23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer credit report and noticed some inaccurate items Capital One has been furnishing that are also in violation of the law including my right to privacy. As a federally protected consumer, i have the right to privacy per the Privacy Act of 1974. The account listed ( in the dispute letter attached ) is reporting inaccurate late payments to non affiliated third parties and I hereby opt out of Capital One sharing my non public personal information to non affiliated third parties, such as the Credit Reporting Agencies. This is a major violation of the law and major violation to my rights as a consumer acting in good faith with my commercial dealings. These unlawful practices Capital One is exercising on me as the consumer are causing hardship onto me and the well being of my family. 

Violations mentioned in the attached letter are pursuant to 15 USC 1681, 15 USC 1666b, and 15 USC 1637 ( b ). 

Transactions and experiences are not included on the consumer report but Capital One is unlawfully reporting transactions and experiences to XXXX, XXXX, and XXXX ( whom are non affiliated third party companies ). 

Regardless of the many violations, I need Capital One to honor my right to exercise the opt out nondisclosure option per 12 CFR 1016 and 15 USC 6802, and no longer report these transactions/experiences to the CRAs especially since the account is PAID IN FULL.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied for a car loan I was denied because my credit came back bad. When I looked m my credit report I saw several things that were not mine and should have never been on my credit : XXXX XXXX. XXXX 
XXXX 'S XXXX XXXX. XXXX XXXX XXXX OF XXXX. XXXX AN. XXXX XXXX. XXXX XXXX. 
XXXX. XXXX. XXXX XXXX CR XXXX. XXXX XXXX. XXXX XXXX. XXXX 'XXXX. XXXX XXXX XXXX. I was instructed to contact the police department locally and FTC, and I've done both.
Product: Credit reporting, credit repair services, or other personal consumer reports

I missed a payment in XXXX due to my mother suddenly passing away from XXXX she was giving months to live but then that changed to weeks & I wasn't aware of my payment status cause I was dealing with my sick mother and when I decided to call fortiva retail to make a payment I was only 33 days late & I explained my situation & every receptionist acts like they don't know what I'm talking about & can't help me out to where I get info to write a Goodwill letter, I've been a good customer with fortiva retail credit & plan on still using them if we can get this issue resolved by the proper department
Product: Credit card

I was previously married to XXXX. We divorced in XXXX. Both XXXX and I are XXXX, and we carefully went through our financial matters, and dealt with all issues amicably. On any debt that had a balance, it was addressed in our divorce settlement. We were aware that there was a Home Depot account ( XXXX ), and we looked at the statements. The statement had his name only. Based upon the statement information, we concluded that the account was in his name, and I therefore, did not require him to close the account. 
I opened a separate Home Depot account in my name at the time, XXXX I have continued to use the account, and the account has been maintained in good standing. It is not showing on my XXXX credit report. I can provide account statements as necessary. Account XXXX. When I applied for the new account, there was no mention by Home Depot that I already had another account with them. When I setup my online account access, the account was not present. 
In XX/XX/XXXX, my ex-husband worked on some projects and used the card. I can provide the statement from that time, and you can see that it has only his name. You can see that there was a XXXX balance up until that point. He contends that he did not use it up to that point. XX/XX/XXXX, he had financial difficulties and the account became delinquent. In XX/XX/XXXX, he entered into a settlement agreement with a collection agency and has been paying this off {$25.00} a month. 
Citibank nor the collection agency ever contacted me related to any issue on the account. Citibank and Home Depot have had my contact information. As you can see from my credit report, I have maintained several accounts with Citi over the years, and I have a current Home Depot account which I had during that time period. I was completely unaware of the issues until I applied for a re-finance loan on my XXXX XXXX XXXX home in XXXX XXXX. I called Citibank, and they would not provide information on the account as I was not the primary cardholder. They transferred me to their delinquent accounts department, and I offered to resolve the account. They told me I was not the primary account holder. I have tried to challenge the account with the credit bureaus, but they state that it was a joint account. 
In summary, I do not believe that it is correct that this should show as continued negative credit on my account. Citibank did not properly display that this was a joint account on the Home Depot statements. There was nothing to indicate that it was a joint account. My name was not present. Secondly, when there was an issue they did not contact me regarding the delinquency. If they had, I would have done something to resolve it. When I did find out about it, I contacted them, and they would not let me resolve it at that time. This issue is completely beyond my control, but it continues to negatively impact my credit which is otherwise outstanding. I am a CPA and I need my credit history for my employment.
Product: Mortgage

Real Time Resolutions sends a request to all Credit Bureau agencies to update my tradeline and show status as 'included in bankruptcy ' and ERASE the 90day delinquent status on my and my husband 's credit report. However, this only lasts for XXXX cycle and I am forced to make repeated phone calls and letters to get them to correct the status time and time again.
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( AXi ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I prepaid entire lease in full as he brought the car. 
When lease ended in XX/XX/XXXX, I tried to return it to the dealership But the dealership, XXXX XXXX GM went out of business I went to several dealerships,, XXXX XXXX, XXXX and XXXX XXXX and no one would take car. 
I called gm and they said try XXXX XXXX GM I went to XXXX XXXX, gave them the car, they didnt give me a receipt and they had nothing for me to sign. I asked who does he need to pay, and the dealer said, they didnt now and that GM would send a bill and for to wait for it In XX/XX/XXXX I received bill from GM and paid bill. 
A month or two after a {$80.00} bill came and he immediately paid. 
In XXXX I ran my credit and it shows late payments. 
No notice of past due amounts were sent, no phone calls were made and for no reason I was marked late. 
After he paid he got another bill on XXXX stating {$35.00} more is due ( see bill in folder )
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX  employee refered me to National Credit Care to try and remove my " late mortgage payments ''. I missed a payment in XXXX and paid the rest on time up until XXXX when I realized when I was going to get a VA Construction Loan. I was notified by the lender that i had 2 late mortgage payments. I was unaware of this. They used wach payemnt i made on time for the previous months payment. I was told by them they can not remove them as they are " accurate ''. The employee gave me a guys number and his name is on the website account. I feel this is a scam as I spoke with another lender about the process of what they do. They are misleading. I am a XXXX veteran being scammed by my own countrymen. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX to release my medical information to a third-party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX, XXXX # XXXX, XXXX, XXXX # XXXX is to only be revealed with the patients 'authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has inappropriately handled my private data in the process of their credit reporting. The breach of information that recently occurred has left millions of Americans at risk with little to no recourse. In addition, the transparency and reporting on this issue has been unsatisfactory. They have enabled private parties to access our information and have not given us appropriate means to defend ourselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two account with Navient. One was charged off to NAVIENT  XXXX XXXX XXXX private loan. The charged off account has been in repayment for four years making monthly payments and not missing any. I was told by Navient I had to pay a lump sum ( XXXX $ ) to have my co-signer removed from my charged off account. My co-signer is still on my account. My payments were applied to accounts wrongfully and when addressed Navient applied payments but the interest rate for my charged off account was very high. My XXXX report states failed to pay for the past two years. Navient was contacted several times regarding credit reporting and has yet to address it. My credit score is significantly affected by Navient 's false credit reporting. I have documents that support me making consecutive payments on time for several years. The school my loans were from has closed. The loans are from 2005, I have been making payments and my loan amount is still showing I owe more original balance {$6500.00}, showing I still owe {$11000.00}. The practices that Navient uses is unethical. Please help me resolve this as this is affected my credit score. I have called Navient and asked them to resolve this multiple times and was told I have to write to Navient directly which I did. I have not received any additional information regarding the credit reporting. NAVIENT  XXXX XXXX XXXX only corresponds in writing not over the phone. Please help me resolve this as I mentioned this is unethical. Thank you!
Product: Credit card

On XX/XX/year>, I made a fall balance payment of {$9300.00}. On XX/XX/year>, Chase Bank lowered my credit limit from {$9400.00} to {$500.00} without notice. 
This is a drastic move to lower my credit limit by {$8900.00}, especially when I had just made a full balance payment on the account.

I feel this is an unfair practice. I know that in 2024, I was late with maybe two payments made within 30 days. I had been going through XXXX XXXX  and would be forgetful of due dates. I always made the account right. 
I'm requesting that Chase Bank reconsider reinstating my credit limit bank to {$9400.00}. 
I just paid the card down in hopes of using the card for emergencies and an upcoming trip. 

Account ending XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated they receives the verification from a bankruptcy from the court and that is not true. Since they did not disclose the correct verification process they have to remove the item from my report and not report it again. They removed it before and put it back on which they are not supposed to do.
Product: Checking or savings account

On XX/XX/year>, my son XXXX XXXX fell victim to fraudulent activities. He was contacted by an individual via email regarding a job opportunity. As a XXXX XXXX XXXX was looking for a job to help with his school expenses, so he accepted the offer, believing it to be legitimate. The individual then deposited two fraudulent checks, each amounting to {$490.00}, totaling {$990.00}, into XXXX XXXX Chase Bank account. When XXXX informed me about the job offer, I immediately advised him to contact Chase Bank for assistance, as I suspected fraudulent activity. I also instructed him to inform the individual that he no longer wished to pursue the job. Subsequently, the individual instructed XXXX to send back {$500.00} using XXXX XXXX. Unfortunately, due to XXXXXXXX XXXX lack of awareness, he complied. Upon discovering this, I intervened and prevented any further transfers. XXXX then contacted Chase Bank to report the fraudulent activity. A claim was initiated, and the account ending in was subsequently closed. Furthermore, both checks were returned as Chase was unable to locate the account, confirming my suspicion of their fraudulent nature. Assuming that the matter was resolved, I attempted to open a new account for my other son on XX/XX/year>, only to discover an outstanding balance. Upon contacting Chase Bank, I encountered unhelpful and dismissive representatives. No one seemed to grasp the severity of my situation, and one representative even abruptly ended the call. I felt distressed and deeply disappointed by the treatment I received. After enduring two hours of frustrating phone calls, I was finally able to reopen the claim, only to receive another notification that the claim was denied and that the owed amount would be deducted from my current account. This is unacceptable. My son has been unjustly victimized by fraud. I urgently seek your assistance in resolving this distressing matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried for several years to ask the federal student loan account holders to follow the court orders attached.

The bankruptcy court orders which includes my student loans to be discharged.

And the FTC Phoenix Court Order Settlement in which certain loans need to be discharged and cleared.

Nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several correspondence to the Credit reporting agencies and they have failed to respond to my request for an investigation. Also XXXX stated that they verified my information but have failed to respond to my request for a Method of Verification letter.
Product: Mortgage

Was denied assistance on my loan with Carrington Mtge for the fourth time. They advised me to appeal the deck on each time wit no success. My daughter lives with and I submitted her income to show extra income. I was put in forebearance and I feel that applying for assistance was just a way to put me further behind on my payments, Now the only offer is to liquidate my home. XXXXXXXX XXXX sold the mortgages to Carrington which was a XXXX Rural development loan. I called XXXX and was told, they show no record of a guaranteed loan with this address. I called HUD and was set up with a counselor, Carrington refuse to give her information about the decision on the loss mitigation. XXXX XXXX, HUD counselor. Her phone # is XXXX XXXX XXXX. I feel I was denied the CARES act and this company uses predatory tactics to take people properly. My husband is deceased. I sent death certificates and did a succession on property and they still have on the loan. 
I do plan to seek legal representation but I feel I do not need to pay for a lawyer for their shady tactics. What is the next step in government to address a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 : Balance paid-in-full. 
XX/XX/2019 : In Great Standing XX/XX/2019 : XXXX balance XX/XX/2019 the account showing balance of {$570.00} XX/XX/XXXX : All Credit Reproting Agencies need to update my credit report to show XXXX balance = XXXX ; paid in full ; in good standing. Never late.
Product: Credit reporting or other personal consumer reports

This is my second complaint. I have provided my written information and my personal information. I requested proof providing statements showing I gave permission to have my information shared to third parties for any purpose. If proof can't be provided remove inquiries and update information to Maximum Accuracy as required. The Fair Credit Reporting Act protects consumer privacy in multiple ways, including by " limiting '' the circumstances under which consumer reporting agencies may disclose consumer information. FCRA section 604, entitled " Permissable purpose of consumer reports, " identifies an exclusive list of " permissible purposes '' for which consumer reporting agencies may provide consumer reports, including in accordance with the written instructions of the consumer to whom the reports relates.
Product: Checking or savings account

On XX/XX/XXXX XXXX processed a refund in the amount of {$1500.00} to my Venmo card ending with XXXX, somehow it ended up showing as a charge which put my account negative {$1500.00}, I disputed the charge immediately with Venmo and was told it was definitely a charge and Venmo fronted the money on my behalf and the account would remain negative until I paid it back, I reached out to XXXX numerous times and was treated very unprofessional and was even told I had called over XXXX times regarding this issue, the refund was sent to the card ending in XXXX, and I was to never call again, I was also provided an email on XX/XX/XXXX stating this fact from XXXX and to provide the email to Venmo and XXXX should work itself out, on XX/XX/XXXX, Venmo closed the dispute and said the charges were valid, I appealed the dispute and provided an invoice from XXXX that XXXX showed the original payment method used to pay for the rental as well as the email also clearly stating an apology and the date the refund was sent, I reached out to XXXX in XXXXXXXX XXXX XXXXXXXX again was told the same thing as previous email stated, for several months up until last week around the XXXX of XX/XX/XXXX Venmo zeroed out my account after I filed a complaint with the XXXX, the problem is I'm still owed the {$1500.00} that XXXX told me twice was sent and provided the same authorization number for the refund, Venmo has been sent the refund that was supposed to have been provided to me by XXXX and will not release it to me.
Product: Credit card or prepaid card

Signed up for a business credit card. Nonetheless, the personal banker made someone who i wanted to hire as a manager as the primary in the account. I was never advised about how the credit card was set up. The primary is no longer associated to the business. I can't close the account, which is under my business, and the primary party keeps using the card. My company is liable for any purchases and I can't close the account or do anything. The bank refuses to answer questions about the CC.I have attached the article of incorporation showing that I'm the only person who own the company. 

I really believe that the personal banker was driven by his own greed to reach sales goals when he opened this CC. The personal banker didn't take the time to explain how he was setting up the account or anything else. 

I have been mistreated by Bank of America and no body can help me resolve this issue.
Product: Credit card or prepaid card

I was successfully managing my Chase credit card balance and not paying any interest using Chase 's My Chase Plan feature which charges a fee to make repayments over time. The My Chase Plan fee is less than the interest rate. After a few months of this Chase emailed me a promotional offer to access a 10.99 % interest rate instead of the 24.99 % rate for a period of 6 months. I did not need the offer as I was not paying any interest, however I decided to accept it anyway as I read the fine print in the email and did not believe there would be any negative consequences to accepting the offer. 

Once I accepted the lower interest rate offer I was no longer able to access the My Chase Plan feature. Without access to this feature I was no longer able to pay off my credit card balance every month and the balance and interested started to accumulate until I maxed out my credit card. When I spoke to Chase to ask why I didn't have access to the My Chase Plan it took the customer service officer some time to figure out what the issue was. Eventually the customer service officer read the terms and conditions of My Chase Plan and noted that it's not available in conjunction with other offers. If it takes someone who works at Chase in a customer service role time to figure out why I couldn't access My Chase Plan, how do they expect a customer to know what rights they are giving up when accepting an offer?