23daVinci/CFPB_Complaints huggingface dataset:
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. 

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  and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

HYUNDAI CAPITAL AMERICA is reporting information incorrectly on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax credit report my credit score dropped XXXX points overnight. I believe an issue arose when my wife filed XXXX  XXXX but reaffirmed the car and is still making payments on time. I never filed Bankruptcy. I think the finance company XXXX XXXX representing XXXX XXXX XXXX located in XXXX Tennessee listed me as filing Bankruptcy because I co-signed with my wife on the car. They can not do this according to the Bankruptcy lawyer for my wife. I asked Equifax to explain and they said they would send me my report. I told them I already accessed annual credit report for them. It said I had a Bankruptcy but when I tried to dispute it it said I had no Bankruptcies. Obviously this is an error that urgently needs correcting as I was about to apply for a real estate loan but can not until this is removed and my score restored.
Product: Prepaid card

I paid 2 utility bills, XXXX and XXXX, in XXXX using an AmEx gift card. Tried to do again in XXXX and both declined, over and over again. Have spoken with both XXXX and XXXX and neither understand why declined- no issues on their end. Have called AmEx gift card customer service multiple times and can't get a straight answer, and always from someone in another country. 
Last attempt asked for supervisor, was transferred and told speaking with super. He spoke very broken XXXX. Couldn't get acceptable answer from him. When I asked him what security issues I'm missing, he wouldn't tell me. I had tried both vendors online and was declined. When speaking with the vendors, they tried to input info manually and still declined. 
No one can tell me why it worked in XXXX but not in XXXX. 
I asked the last AmEx gift card person I spoke with to transfer me to a supervisor in the US and he wouldn't I was told there was no one available. At that point, I have to admit, I responded to him in a not very polite manor. 
My card was a " 10 year anniversary '' gift from my company for being there 10 years. What's the point if I can't us it the way I want to. Worthless. They got $ from the boss for 6 of these 10 yr anniversary cards and in actuality they are worthless.
Product: Credit card

Capital One Quicksilver is advertised as XXXX % cash back. However, when a promotional credit posted to my account for {$5.00} the amount of rewards deducted was {$0.00} which is XXXX %. This is greater than the rate that I earned rewards and is an unfair practice, likely due to rounding up which is in the company 's favor, not the consumer. 

Additionally, the {$5.00} promotional credit was from a merchant funded offer through the Capital One shopping offer page. It feels wrong that earning a reward for spending money at a sponsored merchant, which posts as a statement credit instead of a credit to my reward balance, results in my reward balance decreasing. These promotional credits should be applied in such a way that they do not negatively impact the overall reward balance.
Product: Payday loan, title loan, or personal loan

I took out the loan in XX/XX/XXXX and my 2nd installment payment was not honored by my bank. When XXXX called me about the missed payment, I told them that I could not pay it in lump sum and the representative said that I could pay XXXX until the that installment was paid. I setup a payment for that day XX/XX/XXXX and then paid XXXX 9 times and the last payment of XXXX came out on XX/XX/XXXX. The original installment agreement also continued to extract from my account on the dates originally arranged. When I made my final payment XX/XX/XXXX. I was contacted immediately after stating that I had XXXX something balance. When I called and asked why, the representative mentioned that I had accrued interest that was not paid for from the missed payment. The representative said that when I setup the XXXX payments it was explained to me. I told the representative that it was not and she put a manager on the phone and he said he would review the call and get back to me. Nothing happened, except more collection calls. When I talked to the company again the same thing happened. I explained to the representative how the interest was not explained to me and that representative put a manager on the phone and proceeded to tell me again that they would review the call and get back to me. The next call I answered after that was from a collection agency. I talked to them a few weeks ago and they told me about the debt. I explained to them also the situation and they mentioned that they would XXXX know. I am trying to apply for a mortgage and my financial counselor noticed this on my credit and with me telling her what happened, we decided to file the complaint.
Product: Debt collection

A company by the name of Afni is reporting a collection. That is not correct or mine it started off a XXXX then XXXX XXXX  the. afni. XXXX deleted XXXX  from my report because of reporting incorrect information not Afni is reporting that same account. But to XXXX it is appearing to be a new collection. Item and this keep happening after a few month this company will sell the debt to another company. And this process wholl continue
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an Identity Theft Report with the FTC over this issue, since ERC claims to have no written or verbal communication with me, nor do they have any of my identifying information but wants me to provide them with my driver 's license, proof of address and social security number. This does not seem like a legitimate company.
Product: Credit reporting or other personal consumer reports

Ive submitted two cases through this portal and two letters certified mail to Experian. About these unverified inquiries, the individual companies nor Experian have provided me any proof that I initiated these inquiries in any shape or form. The reason being because I did not do so, I have not given anyone permission to do so in writing or in any other manner. They have violated the Fair Credit Reported Act. At this point I'm in the process of taking law action and I would need to be compensated for my time, physical and mental anguish ruffly {$5000.00}. They have broken the law and have taken advantage of me. Below are the following codes under the Fair Credit Reporting Act that have been broken/violated. I'n not sure why they are aloud to violate the law and codes under FCRA XXXX Please take the time to review all information, attached is copy of XXXX of the letters sent as well as the certified tracking for it. Thank you Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy of the information they report. If they fail to do so and dont correct the mistake after youve disputed it, you can take legal action. ( Unverified/Illegal use of my information 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  Statutory damages : If you take legal action under the FCRA and can prove a violation, you could be awarded statutory damages. These can range from {$100.00} to {$1000.00} per violation, regardless of actual damages According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Product: Credit card

Attention XXXX XXXX : I applied for a Credit Card on XX/XX/2020 and was denied. Contrary to your presumptions and alleged reasoning for denying me, I have the right to Full Faith and Credit, see the attached document ( XXXX ). Your Language Fraud, False and Misleading Denial of my Own Credits is pursuant to 17 CFR 240.15c1-2 - Fraud and Misrepresentation and 15 USC 1692e XXXX and Misleading representation. You are unlawfully and knowingly withholding access to my securities that I the bondholder authorized on the initial tender of payment/application/credit card from the certificate of indebtedness bond. Your wilful withholding of my access to my securities is defined as securities fraud pursuant to 18 U.S. Code 1348 - Securities and Commodities XXXX. You are not only wilfully violating my right to my Credits ; you are also in violation, and non-compliance with the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Since you are unlawfully denying me my Credits, Retract my Application immediately upon receipt of this NOTICE, non-assumpsit. A Certified verification letter in writing/typed with the company letterhead and an Officials signature confirming my Application Retraction is required point by point, exact, for my record keeping ; non-assumpsit. Thank you for your cooperation in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I'm a veteran who went to the XXXX  for XXXX related issues that turned out to be none life threatening. The hospital took my information and never billed the VA. I got the VA in touch with the original creditor and they verified that the debt was fraudulent. XXXX is the only creditor left who cant seem to allow the truth and submitted documents from the VA stating my insured covered status as verification of fraud. All other creditors have removed the debt.
Product: Debt collection

Jefferson capital keep hit me up about a debt I have nothing to do with. XXXX this account was open fraudulently by someone. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. They are reporting a collection as an Open account which is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$16000.00} XX/XX/XXXX
Product: Mortgage

After my parents passing, I got an assumption modification on XXXX with XXXX  and I had been making timely payments and complyin with my payments until XXXX I was forced to rent out the home to pay off other debts that I had assumed .Tenants weren't the best but we tried to make the payments as best as we could .In XXXX especially during the pandemic shut down things got bad and we had to go into forbearance. We had to pay an attorney to try to evict the tenants which was not possible Until XX/XX/XXXX. The home was completely destroyed, insurance only paid {$10000.00} which only covered XXXX of all the damages. I recently moved back into the house in XX/XX/XXXX and started making payments in The month of XXXX until XXXX. I have requested help to repay what is owed but the mortgage servicer keeps giving different information XXXX have been denied for every help they could offer and I have appealed several times. I even had the XXXX XXXX XXXX XXXX step in to help me and they instructed that they found a.solutiin and would help me modify and when we tried to move forward I was denied once again and just received a letter stating I need to pay {$47000.00} before XX/XX/XXXX of not further actions will be taken. 
I think this company is trying to scare.e and take.me.out of my home. They are.trying to confuse me with different false information to buy time and send me to foreclosure.
Product: Debt collection

The debt was for bills that were the responsible party for a workman 's compensation claim through my employer XXXX.
Product: Credit card or prepaid card

DISCOVER FAILED TO EXTEND CREDIT LINE INCREASE AND HAS BLOCK ME FROM CLOSING MY ACCOUNT ON LINE, REVERSE ALL FEES ETC.AND IS REPORTING AUTHORIZED USERS.
Product: Consumer Loan

Hello, I have recently inquired about transferring my personal property into my business which would require me to obtain a business loan. I have been attempting to do this with XXXXI began working with XXXX XXXX XXXX XXXX # XXXX ) in XXXX of 2015. It has been a nightmare dealing with her and I have found her conduct to be extremely unprofessional. Initially she took all of my information, and I was extremely transparent about my goals and quick to respond with financial information as needed. Eventually communication began to wane and weeks were going by without an update. She would haphazardly ask for different forms at the last minute, and would not bother to call or make sure these " last minute '' request were received. At one point after asking her for an update, calling both her work and cell phones AND sending an email, she emailed me back saying the loan was cancelled-she did n't realize that everything had to be completed within 21 days of initiating the request, AND she tried to say it was my fault because she asked for a form on Friday and it was n't there on Monday XXXX the same day it was cancelled apparently XXXX. 

I still proceeded to try to re-apply and continue the process with XXXX XXXX and BB & T. I had to consistently XXXX her down for updates. There were 2 WEEKS where I have heard NOTHING. I eventually caught up with her on her cell. She proceeded to tell me that she " thinks '' the hold-up is some additional paperwork that she " personally '' has some concerns about, AND when I asked if it were possible to just check in regularly even if there is no new information ( which I 've never heard of ), she basically refused. 

Eventually I complained to BB & T about the process, and after talking with her apparently, they said my application was in underwriting and they were n't sure when I would hear back. That is totally bogus and I know this because I have 3 other loans and I know how the process works. Coincidently, I received an email from XXXX XXXX a week later saying they could n't help me with my loan. No REAL or clear reasons, AND this was more than 2 weeks after my last interaction with her. I found this experience to be totally unfair, unprofessional, and unacceptable.
Product: Credit reporting, credit repair services, 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. 

1 ) Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX AN XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX ) XXXX 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. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Mortgage

I suffered an injury in my XXXX which prevent me from continuing working i exausted my saving travelling to get my back fix abd able to continue working but it was too late. After 6 months of payment they wpunt let me pay no less than XXXX payments which was atound XXXX XXXX I did not have that kinda money. So i kept on falling behind ... i tried loan modification but they say they cant work with me. No matter how much money inwas getting from diferent jobs that i was able tonaquire..i was able to increase my income after my XXXX  injury got better. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a HELOC loan with PNC bank which was paid in full and should have been closed on XX/XX/2021. It is still shown as active. This is adversely affecting my credit rating and my ability to secure a mortgage. I have called twice with no change in status on my credit report.
Product: Debt collection

I sent Navy Federal Credit Union a Debt Validation Letter on XX/XX/XXXX. I did not receive any communication from Navy Federal Credit Union confirming my debt of " {$27000.00} ''. Nor did I receive notice of right to dispute from Navy Federal Credit Union. Navy Federal Credit Union sent me two letters on XX/XX/XXXX and XX/XX/XXXX that did not disclose it was an attempt to collect debt. Both letters on XX/XX/XXXX and XX/XX/XXXX requested a payment of {$240.00} a month at 6 % interest for 12 months. 

I sent Navy Federal Credit Union a Cease and Desist Letter on XX/XX/XXXX. I did not receive any communication from Navy Federal Credit Union confirming my Cease and Desist Letter. Since then, Navy Federal Credit Union has harassed me and my grandmother through excessive communication tactics after I've told them to stop contacting me. The dates of the harassment are as followed ; via email ( dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), text ( date:XXXX ), phone calls ( dates:4/28/21, XX/XX/XXXX and XX/XX/XXXX ), called my grandmother ( date:XXXX ) and physical mail letter ( date : XX/XX/XXXX ). This physical mail letter threatened to take negative action against my credit report. As a result, my credit report is impacted with negative remarks on XXXX/XXXX/XXXX, XX/XX/XXXX and XX/XX/XXXX and my credit score has decreased significantly.
Product: Credit reporting or other personal consumer reports

ON THE FOLLOWING DATES XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MULTIPLE INSTITUIONS AND COMPANIES HAVE INQUIRED INTO MY CREDIT FILE REPEATLY WITHOUT MY EXPRESSED PERMISSION I HAVE NOT GIVEN ANY OF THESE FINANCIAL COMPANIES WRITTEN AUTHORIZATION OR PERMISSION TO INQUIRE INTO MY FILE .THESE INQUIRES ARE THE RESUALT OF FRAUD AND ID THEFT PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC SECTION 602 THIS IS A CLAER VIOLATION MY RIGHTS AND THIS COMPANY HAS NOT CORRECTED THESE. ERRORS
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FCRA XXXX  ACCT # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602A I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX ACCT # XXXX {$470.00} EQUIPMENT WAS RETURNED AFTER MOVING OUT OF STATE, XXXX SAYS DIDN'T RECEIVE. REQUESTED THEY RUN CAMERA SURVEILLANCE AND THEY DENIED.
Product: Checking or savings account

Yes I have money in my account and have been trying to use my debit card and it want let me says contact my bank well I have called every # on this paper from which the card came from and cant get in touch with a actual person I need access. To my money this is XXXX it needs to be fixed
Product: Credit card or prepaid card

Bank of America issued credit card I did not apply for. It was being mailed to NY. I have not lived in NY for 20 years & never lived in that area. They never questioned it. They should have contacted me immediately. Especially as I already have a card with them.