23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY FAILED TO RESPOND AND IS CURRENTLY IN DEFAULT AFTER BEING PUT ON NOTICE Consumer did not respond to AFFIDAVIT AND DECLARATION OF NEGATIVE AVERMENT and MEMORANDUM IN SUPPORT OF PRIVATE ADMISTRATIVE PROCESS AKA ; CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM ( CAFV ) with NOTICE OF ADMISTRATIVE REMEDY POINTS AND AUTHORITIES. Non-negotiable Private between the parties AND SILENCE IS ACQUIESCENCE NOTICE. 

On XX/XX/2020, Consumer sent XXXX XXXX, Authorized Agent for XXXX XXXX XXXX XXXX Successor to XXXX XXXX XXXX XXXX XXXX a CONDITIONAL ACCEPTANCE FOR VALUE ( CAFV ) PRIVATE INDEPENDENT ADMISTRATIVE PROCESS along with Proof of Claims, CAVEAT, NOTICE : ARTICLE VI U.S. CONSTITUTION, Certificate of Mailing under 37 CFR 1.8. with no response. 

On XX/XX/2020 a Notice of Fault and Opportunity to Cure and Contest Acceptance was sent with no response. 

On XX/XX/2020, a NOTICE OF DEFAULT AND RES JUDICATA was sent with no response. 

An invoice fee and notice of fee schedule and Final True Bill of Accounting was also sent with Copyright, trademark, trade name violation : 1. Usage of XXXX, XXXX or XXXX XXXX, XXXX, XXXX including all derivatives, spellings, and upper-case lower-case combinations and renderings of the trademark and trade name without express written consent {>= $1,000,000} Acceptance of Presentments ( without contract ) 2. Unauthorized Citations {$10000.00} 3. Warnings Issued on Paper {$10000.00} 4. Mental Anguish {$10000.00} 5. Trespassing {$25000.00} 6. Summons, Court Notices ( without contract ) {$10000.00} 7. All other related items, fees, or offers {$10000.00} 8. Punitive Damages {$10000.00} Depositions, Interrogation ( unsolicited ) 9. Name {$10000.00} 10. Drivers License Number {$10000.00} 11. Social Security Number {$50000.00} Obstruction of Travel, Property Search, Trespass, Theft, Carjacking, Interference with Commerce 12. Taking/Theft/Deprivation of Property {$10000.00} per day ( as of XX/XX/XXXX ) Signature, Endorsement, Autograph ( SEA ) 13. Autograph under threat, duress, or coercion {>= $1,000,000} Company is in violation of many FCRA violations and continues to reported incorrect and outdated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been disputing a particular account on my XXXX report since XXXX every 30-45 days for Innovate Loan Service . This account is being reported as an open account from XXXX. This is not my account nor do I have any car for this loan it is now XXXX  and these people are inaccurately reporting information that I have tried to have deleted. Ive emailed XXXX XXXX and XXXX personally of XXXX even proof of me filing serval disputes. I also hired a law firm and they were able to even get a response from XXXX. This has cost me so much emotional and physical distress over the course of this year. Delete this inaccurate and incorrect information the company doesnt even exist! The number and address listed is non working. The place in XXXXXXXX XXXX is not there business as listed either I went there! I live in XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

StellarFi is a credit reporting platform that claims to help consumers build their credit by allowing them to link recurring bills & pay a monthly subscription in which they will report to the credit bureaus. On XX/XX/2023 I contacted StellarFi 's customer service to alert them about a fee that I incurred while utilizing their platform, due to their system not reflecting my correct information ( funds available in my bank account ). They insisted that this was my own fault for not having enough funds available which is not true. I closed the account with them seeing how it did not help me but instead actually hurt me. I recently re-opened my account with StellarFi to give the platform another chance at helping me build my credit, since the account reflects on my credit report ( once you open the account it doesn't go away ). I have encountered the same issue with them again on 2 separate occasions, 1 in which I paid my bill personally to avoid any late fees, and 2 I contacted their customer service to alert them that their system has yet again failed to reflect accurate information regarding the funds available in my bank account. They have denied any wrongdoing after I've made them aware that this has happened to me before also I have read reviews about this same problem happening with other consumers. It seems as though they have a system issue/error which reflects incorrect information which results in your bill not being able to be paid on time or at all and they refuse to help consumers resolve it. They've continued to deny any errors and have also even suggested that my account has insufficient funds or that I have a low balance and can not afford to pay my bills and am trying to place blame on the platform. I've tried working with customer service and have escalated this issue but it seems this company is not willing to correct any errors they/their system have made. They expect you to pay a monthly subscription while failing to uphold their claims of reporting your recurring bills & subscription payments to credit bureaus which should have a positive impact regarding your credit file 's payment history. I don't know what else to do at this point but file a complaint and leave reviews warning others, who just want to fix their credit, about their malpractice & negligence.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning several inaccuracies on my credit report, which include multiple attempts to add inaccurate addresses, collections accounts, and inquiries, some of which are suspected to be fraudulent. These inaccuracies are adversely affecting my creditworthiness and financial well-being. I request your prompt assistance in investigating and rectifying these issues in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies requiring your immediate attention for removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I observed multiple attempts to add inaccurate addresses to my credit report. These addresses are not associated with me, and I have not resided at these locations. It is essential that these inaccurate addresses be removed from my credit report. 

As per the FCRA, I demand that you : Initiate a thorough investigation into the accuracy of the disputed items without delay. 
Notify me of the results of your investigation within the legally mandated 30-day period. 
Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Non-compliance with the FCRA can lead to legal consequences, and I trust that your agency will handle this matter with the utmost professionalism and in full compliance with the law.
Product: Credit reporting

i have been disputing a file for over a year now with transunion and XXXX and XXXX, XXXX has been the only company to comply. i contacted transunion on many occasions informing them i was also recording the call and they would flip out in protest about it as if i dont also reserve the right to record the call as they do for " quality intrent purposes ''. i have made them aware on multiple occasions that 2 companies XXXX and XXXX had been inproperly reporting records on my reports and i want them removed immediately. i have even in goodwill attempt sent certified letters, made phone calls while recording the call myself for retainment, and had pleaded to get these accounts off my record as they are not mine. XXXX has been the only one to remove them after finding they were not mine in their investiogations but transunion and XXXX still havent complied, i have even contacted the companies and requested debt validation forms, " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act an the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting ''validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' is what i write in essense as well as quoting the violations they are comitting, '' *defamation *negligent enablement of identity fraud *violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) *violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. '' i have been very formal and yet these items still remain and they just continuously disopute rather then delete, the only reply i got back from first premier has been that the are not obligated to supply me with the requested information, and they even use a provision of my name which violates websters ninth new collegiate which states english grammer shall holds no provisions over names. i would like these accounts removed at once this has gone on long over a year now and these companies fail to comply with FDCPA, AND FCRA. XXXX just flat out ignores me and when i call they hang up on me after transfering me 6 times
Product: Credit reporting, credit repair services, or other personal consumer reports

i called the company to inquiry about the Forbearance program due to covid 19 but I did not enrolled on it, they told me that if I get enrolled I would not be reported to the credit bureau. Howver I received a letter from the bank asking my ok for the forbearance program, when I called they told me I was automatically enrolled so I did not need to do anything and no reports where going to be made to my credit. I requested to be cancelled on this program as I never authorize in writting having me put in this program.

Today my credit score dropped from XXXX to XXXX  becuase they reported the forbereance in my credit report which is not alligned on what they told me.

I never been late on my payments. I request this mark to be taken off my credit report
Product: Mortgage

I had payment taken weekly and I was under the assumption and was told the bank was applying that money towards the load principle weekly. Come to find out they were hold my money until enough money was there for a full payment. My payments should of went directly on the load. The bank owes me for all the extra interest charged me because it should of been going down weekly not monthly.
Product: Credit reporting or other personal consumer reports

Inquiries were made without my authorization I have filed a FTC report. 
FTC report # XXXX The followings inquires were not authorized ; Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I called to inquire about downgrading my Amex Bonvoy Brilliant Account ( XXXX ), instead the agent accidentally closed my account instead. The agent stated that they were going to reinstate the account and that it wouldn't be an issue. A week later, with no new account, I called back and was told that they were unable to reopen my account and told me not to worry and that my annual fee of {$450.00} would be refunded. For the time being, they issued a {$37.00} credit instead. 

I called back a few weeks later and was told they messed up and that there was nothing Amex could do to reinstate and that someone would call me back. no one ever did. 

Amex messed up. Closed my account. 

Stole {$450.00} in annual fees and refused to refund it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one has stated over several months that the account has been properly investigate and updated but how is this possible if the account is reporting inaccurate high balance, inaccurate date of last activity, and inaccurate payment history. This is ground for removal this also violates my rights under FCRA 15 U.S.C 1681 section 602 A. I have the right to privacy
Product: Credit reporting or other personal consumer reports

File number XXXX issued date XX/XX/XXXX dispute results..transunion did not contact the data furnisher there is no update date showing..date updated XX/XX/XXXX has not changed was there an investigation done? If there was, the creditor violated sec 623 a 3 notice of dispute by consumer. This grounds for deletion. 15 usc 1681i.
Product: Credit card or prepaid card

On XX/XX/2020 my bill for {$21.00} did not go through when it was on auto-bill. I reached out to the company 31 days after, made the payment in full, because the only notification I got that it didnt go through was from it hitting my credit with a 30 day late payment. They never notified me of the bank rejection of the payment. I now can not qualify for a mortgage because of this mark on my credit and the company will not help me with this very unfair situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for FIRSTPOINT COLL RESO, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Mortgage

The PNC website advertises a HELOC with a fixed rate lock feature. The advertisement contains a payment amount example and a rate amount with a fixed rate lock of {$50000.00}. When I inquired about this option, however, the Loan officer told me that the best rate was only available on fixed rate locks of {$75000.00} or more. This means the payment amount does not match the rate advertised. This is deceptive as they are advertising terms that are not actually available.
Product: Checking or savings account

I was charged {$350.00} for my storage unit. This amount was {$150.00} over the amount that was owed. I filed a dispute with my bank, called the storage place and told them this was wrong, he left me a voicemail stating they overcharged me on accident, then 3 weeks later mailed me a check for half of the amount they overcharged me. The bank sided with the merchant because they provided " proof '' the charge was valid. I submit a transcript of the voicemail from the merchant showing that they overcharged me, and sent a copy of the letter show they overcharged me. The bank still sided with the merchant and now I am out {$350.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a bill from a this company and i always mail my payment. However, one month they received the payment 5 days late. The check was dated for before the payment was due but it was not processed until after it was 5 days late. The company reported me as 30 days late on my credit report because of this and it has damaged my ability to get a home loan with the best possible rates. I had also mailed other payments into them that were received 5 days late as well but i never had a 30 day late payment put on my credit report. Technically the payment was only 5 days late and a late pay was assessed to my account which is fine. Since the incident, i have always paid more then i have agreed to pay each month as well and attempted to have them remove the late payment history but have not been successful.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2024 i opened on line a checking account with Wells Fargo including {$300.00} bonus, plus i provided two addresses ( residential & mailing ). Since then the Bank for gave me many Unjustified Problems, including denying purchases in person, online purchases and don't allow me to withdraw my money, the balance today is {$900.00}. Even though is easy for Wells Fargo to verify my address they send me two letters asking me to go to their Branch in order to verify my address. I reached Wells Fargo 's Branch twice XX/XX/2024 & XX/XX/2024 @ XXXXXXXX XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX. I spoked to the XXXX. XXXX XXXX ; not only he didn't tried to verify my address but his attitude was XXXX, Disrespectful & Hostile. I reached a second Well 's Fargo twice XX/XX/2024 & XX/XX/2024 @ XXXX XXXX XXXX, XXXX, XXXX, ( XXXX ) XXXX. I spoked to XXXX & another employee who refused to give me his name and both refused to verify my address, plus their attitude was XXXX & Disrespectful. I asked to speak to Branch 's Manager but i wasn't allowed. The real reason that Wells Fargo gave me these Problems and don't allow me to access my funds is because i filed a complaint before with CFPB against them. Wells Fargo, etc. and it's employees proved to me as well as to everyone else that are a Criminal Enterprises on XXXX and allowed to o Defraud everyone because the XXXX Government is in their Pocket since day One. Wells Fargo HAS STOLEN MY MONEY and the XXXX System don't protect consumers.
Product: Checking or savings account

On XX/XX/2020, we noticed that our account was frozen, we can not deposit or withdraw money for our business account. We called Chase bank at XXXX XXXX to get an explanation, however they can not provide anything as now.
Product: Checking or savings account

I deposited a check for {$1500.00} on XX/XX/23 and have not received my money from Huntington nor did they tell me why I can't receive my funds they will not give me any answers and there closing my account
Product: Debt collection

Today, XXXX XXXX, they shared my personal information regarding a debt with my father without my permission. They also sent him an email to his email address regarding my debt. As far as I am aware, this is highly illegal since I am over XXXX.
Product: Credit card or prepaid card

Capital One placed a restriction on my credit card because I made a {$300.00} payment on XX/XX/2021 for a balance of {$370.00} ( the balance increased to {$380.00} overnight on XX/XX/2021 ), they want to verify that I am the primary account holder on my checking account with XXXX XXXX XXXX XXXX XXXX, I am the only account holder on my checking account. Capital One decided to flag my account because I have been paying off the balance entirely since I received a payment of Life Insurance money after my mother died. I am trying to boost my credit by using my credit card instead of my debit card. The Capital One Representative called my bank and asked me to enter my identifying information so that they could speak with a representative of XXXX which I do believe is not legal, also my bank will not speak to me if there is a 3rd party on the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

CERTIFIED LETTERS WERE MAILED AND RECEIVED BY AGENY ON XXXX AND AGENCY FAILED TO MARK THE ACCOUNTS AS BEING DISPUTED BY CONSUMER.
Product: Debt collection

XXXX with Pioneer Credit Recovery has contacted 3rd parties about an unknown alleged debt. I have a Bankruptcy in place which XXXX has ignored. While leaving a message on XXXX, Legal Assistant to Attorney XXXX XXXX on a recorded line. I insisted that XXXX Cease & Desist from contacting me altogether, Cease from contacting 3rd parties instead contact XXXX to discuss this matter. XXXX informed me long into the call that he was speaking with me on recorded line without my knowledge or consent. This debt collector has grossly violated my rights and I have no clue what his collection matter pertains to.
Product: Bank account or service

I received an offer from Citi Bank. The offer stated that if I opened a new Citi Gold Checking account and used their bill pay function on the account for two consecutive months then I would receive a promotional offer. The promotional offer was for XXXX thank you points. I signed up for the new account and I met all of the requirements to get the bonus offer. I also sent them XXXX direct messages on their website asking them if I had done everything I needed to do to get the offer. They assured me XXXX times that I had met all the requirements and that I would be receiving the XXXX thank you points within 90 days. I waited 90 days and I never received the points. I just contacted them again and now they are saying they are not going to give me the XXXX thank you points like they promised they would.
Product: Mortgage

My original loan date is XX/XX/2021 which has exceeded the two-year loan seasoning period. Cardinal Financial is advising that I only have two options to qualify for remove PMI. I can qualify based on the original property value by making a principal curtailment of {$40000.00} to pay the Unpaid Principal Balance ( UPB ) down to {$380000.00} or I can qualify based on the substantial property improvements by providing a detailed list of substantial property improvements completed. After the two year seasoning period one can qualify to remove PMI based on the CURRENT value not the original property value.