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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT.THE LISTOF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 

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 an account without my written instructions. 

15 U.S.C 1681 s-2 ( a ) ( 5 ) Section States ; No consumer reporting agency may take 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: Credit reporting or other personal consumer reports

I am rewriting to express my dissatisfaction with the inaccurate information present on my credit file reported by EQUIFAX. The details in question lack proper certification, validation, and physical verification, rendering them questionable and not proven to be valid. My address is XXXX XXXX XXXX, XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX, born on XXXX. I have identified potentially duplicative and unquestionably dubious requests on my credit record, lacking any authorization from me. As a consumer, I am within my rights to request the prompt removal of these late payments, as they violate both federal and state consumer/civil rights. This complaint serves as a formal request for compliance with FACTA Title 1 Section 151, which explicitly mandates a clear description of the reporting process. This issue pertains to the accuracy of data and the reporting procedures. I have also attached the FTC report to support this compliant with the FTC report number XXXX for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I discovered someone attempted to open a XXXX XXXX XXXXXXXX unlimited cash rewards XXXX signature card Ref # XXXX. I notified XXXX and the credit agencies stating that it wasn't me. I've spent countless hours on the phone on hold trying to get this corrected as its affecting my credit score. please I need help in having this removed from all 3 credit agencies. please call XXXX or email me at XXXX I want this removed and corrected.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION/NELN Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 an account without my written instructions.
Product: Checking or savings account

Capital One deceived me and other holders of its " 360 Savings '' account by conflating it with its newer and higher-yield savings account option, the " 360 Performance Savings '' account. The bank allegedly failed to notify 360 Savings account holders of the newer option.

Capital One increased the 360 Performance Savings interest rate from 0.4 % in XX/XX/XXXX to 4.35 % in XX/XX/XXXX, while it lowered and then froze the 360 Savings rate at 0.3 % between late XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Car crash on XX/XX/20 My insurance totaled vehicle and paid Ally what the cars market value was. They have made delinquency and late payments. They have not responded myself, call me back when leaving messages or ever answering and giving the paper work needed by my insurer for months. 

I have been negatively affected by Ally and this is not ethical to make me and my credit suffer. 


My comany Insurance has gap. Ally has been reluctant to speak and resolve this and allow my insurance company to pay the remaining balance of what is owed. 

They have not reported to any Credit reporting agency the vue of payments made. 

They have made false reports on their own recongnisense.
Product: Credit card or prepaid card

My Barclaycard Bank of Delaware MasterCard credit card account is lost/stolen and has over {$5000.00} in fraudulent charges/transactions listed on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that the statue of limitation on debt in TX is 4 years. I filed a dispute with the credit bureaus twice and XXXX XXXX repeatedly failed to address the new law passed in XXXX. I filed an internal dispute via the bureaus customer service and requested they specifically code the dispute to address statue of limitation. XXXX XXXX  response was to charge off the account XXXX times on all three bureaus. XXXX XXXX  wilfully and knowingly submitted Erroneous information to all 3 bureaus in violation of the XXXX CFPB settlement prohibiting the bank from submitting Erroneous information to credit bureaus. 4 months ago XXXX XXXX Bank was sold to XXXX XXXX. As of last week XXXX XXXX forwards all call to XXXX XXXX, XXXX XXXX reports " no record '' of my account. The entry on my Bureau Report is from XXXX XXXX and the XXXX charge offs were submitted by XXXX  XXXX.
Product: Student loan

I am contacting you because I have recently been treated wrongfully by Navient. During my entire tenure with Navient, since they split from XXXX, I have made on-time consecutive payments. As a result, I have always had the waiver eligibility ( XXXX ) of the final 6 payments ( amounting to about {$2000.00} ) waiver notification present for all of my four Stafford loans. My 114th payment should have been my last. However, on XX/XX/XXXX, the day after my 114th payment, they removed this benefit without giving a reason. I called them to let them know of the error and they stated, by mail after a week, that I am ineligible because my loan term is less than 10 years. This is untrue, my loan term is exactly 10 years, which satisfies the conditions. They are trying to remove this benefit that I was expecting and was very much looking forward to. They are ruining their reputation ( in my eyes ). Will I need to get an ombudsman ( or even a lawyer ) to fight for reinstatement of this eligibility?
Product: Debt collection

TOWER LOAN has been harassing I, XXXX XXXX, the consumer about an alleged debt. I asked TOWER LOAN to send me validation of the alleged debt and to send me the correct amount owed. TOWER LOAN refused to send validation information. TOWER LOAN sent me a description of payments that were made. TOWER LOAN also garnished my paycheck which is against the law. I also asked TOWER LOAN to stop contacting me and I am still being contacted. TOWER LOAN has been providing false information to the credit reporting agencies. TOWER LOAN provided a document with false information on the document. TOWER LOAN said I made payment to the company in 2021, which is false. TOWER LOAN has violated my consumer rights.
Product: Mortgage

This not my first time reporting US BANK to you, I reported them when they refused to accept payments from the HAF program via housing. After my housing assistance stopped I was still sick from XXXX I was already dealing with a hardship from a XXXX XXXX XXXXXXXX. Which I had to go in to forbearance in XXXX after I ran out of money. US BANK is not a bank that helps customers when they are having payment problems. I have a long time hardship at the moment so I called Us Bank in XXXX due to the continuance of my hardship they put me on a 3 month forbearance plan which was set to end on XX/XX/XXXX. I did some research and I went to Fannie Mae 's website to see what other options and help was available .... I read about the flex modification/ hardship modification the I emailed customer support to tell them about the previous problems and my current situation with US Bank around XXXX. A representative did not contact me till about 2 weeks later, She called me and I missed her so she left a message her name was XXXX, I returned her call but i believe she had left her office so I left a message. When we finally got a chance to talk she told me that I should apply for a long term hardship modification and I need to hurry up and send the application in before XXXXshe said I can see that's when your forbearance ends. She told me where I could locate the documents so I went online found them printed them out and filled it out. US Bank told me I had to call them again to extend the forbearance but I learned my lesson last time, I faxed the modification application about a week or so later they sent my a notice in the in their banking website. When I read it I called them up, I told them what do you mean by is my hardship over? I would not have sent the application if I did not have a hardship, the representative told me they could only help me if my hardship was over. I told her that is not what XXXX told me she said let me educate you on how the modification works. I told her I already read how it works and talked to a representative from Fannie Mae. I also told her during my search that I read US Bank doesn't offer real help to the customers when they need mortgage help. She said, " That's not true. '' I started to tell her I had to report this bank to the FCC for not wanting to accept my mortgage assistance payments, but I was mad at this point I told her I should at least have a trail period then I hung up. Us bank has decided not to contact me about extending the forbreance instead they reported a default on my credit report. I wonder if my race place a part of how they treat me? When I paid the XXXX dollars to catch up with the last forbearance I had with them soon as my account was current they hurried up and put delinquent on my credit file making my credit score plunge. This bank is just like all the rest HORRIBLE I do not have any other account with them because of that fact.
Product: Debt collection

I pulled my credit report then I noticed a collection account on my report. Is was XXXX XXXX XXXX. I called them ( I C Systems Collections ) and gave them my name and address and they couldn't find any collection account. I then disputed it with XXXX XXXX thinking it would come off. 30 Days later i checked my report and it is still on there as verified! I called I C Systems Collections and gave them my name and address and they still can not find the account even though they just verified it. I called I C Systems Collections with a representative from XXXX XXXX on the phone and they also said they can't find the account with my name. ( Recording attached ) I asked why they can't delete it then and they said they do not have the authority!
Product: Checking or savings account

Dear Sir/Madam, I applied the following Checking and Savings account with bonuses on XX/XX/XXXX. I have made my first direct deposit of $ XXXX on XX/XX/XXXX, but I didn't receive the {$200.00} Checking bonus as of today. Also, I have deposited {$100.00} until today, while I didn't receive the {$50.00} Savings as well. So could you please investigate this problem for me and fulfill the bonuses for me ASAP? 

Thank you very much! 

XXXX XXXX XXXX Checking bonus : You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 12 months or closed due to negative balance to be eligible for the bonus. 
Eligible accounts include BBVA Compass ClearConnect Checking, BBVA Compass ClearChoice Interest Checking, BBVA Compass ClearChoice Free Checking and Easy Checking Within sixty ( 60 ) days of account opening, at least one electronic deposit of your paycheck, pension or  government benefits ( such as Social Security ) from your employer or the government in the amount of at least {$500.00} must post to the new checking account The {$200.00} cash bonus will be deposited into the new checking account within 90 days of meeting the bonus requirements described above. Account must be open and in good standing with a balance greater than or equal to {$0.00} at the time of payment in order to receive the new account bonus. 
Savings bonus : You must be a new BBVA Compass consumer savings customer who has not had a BBVA Compass consumer savings account open within the last 12 months or closed due to negative balance to be eligible for the bonus Eligible savings accounts are BBVA Compass ClearChoice Savings, Build My Savings, ClearConnect Savings and Young Savers Savings account must be opened within 60 days of checking account Account must be opened with a minimum balance of {$100.00} in your new BBVA Compass Savings account. The minimum balance of {$100.00} must be maintained through XX/XX/XXXX to qualify. 
The {$50.00} cash bonus will be deposited into the new checking account within 90 days of meeting the bonus requirements described above. Account must be open and in good standing with a balance greater than or equal to {$0.00} at the time of payment in order to receive the new account bonus. 
The BBVA Compass savings account holder must be an account holder on the new BBVA Compass consumer checking account General rules : New BBVA Compass customers may be eligible for {$250.00} in cash bonuses from XX/XX/XXXX XX/XX/XXXX, by opening a new qualifying BBVA Compass consumer checking account, and one of the following : BBVA Compass consumer savings account. 
There is a maximum of one ( 1 ) {$250.00} bonus per household. There is a maximum of one Checking Bonus and one Savings Bonus. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Product: Checking or savings account

My first Wells Fargo account was closed without a warning or notification. I was charged fees on that account that I never understood. The language is a just deal with it type of situation. Never no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed an item on my credit XXXX removed it. XXXX and XXXX did not, and when i sent a letter on why it wasnt removed they added it back on to my transunion. if it was removed all three should of removed it not add it back.
Product: Credit card or prepaid card

My account with Barclays, XXXX XXXX XXXX XXXX was closed. I made a long term payment plan at $ XXXX  monthly till it was paid off. I had been paying that for over a year when I went to make my payment in XX/XX/2023 they said my account was transferred to XXXX XXXX and could not take my payment. I called XXXX XXXX and they had no record of me so I called back Barclays and they said it takes time. In XXXX I got notification that my account was delinquent from Barclays and after calls on XX/XX/XXXX and XX/XX/XXXX they said they could take a payment for the card while it was still transitioning to XXXX XXXX to bring my account current. I was taken out of the long term payment program for missed payments when I was able to make those payments and they were reported as missed through no fault of my own. I contacted a lawyer who wrote a letter that I be reinstated into the payment program and have heard nothing. At this point in time I have made countless phone calls to Barclays and have not found one person who understands what has happened and there has been no effort to resolve this. I have confirmed with XXXX XXXX that they do not have my account and Barclays continues to send me emails as to payment reminders, sometimes Im able to make the payment easy albeit now a high interest charge and sometimes I still have to deal with Barclays saying they cant accept my payment. I am denied online access because my account is closed, however I have a balance that I am paying off. The email for payment just has the date and minimum payment due. This has been a frustrating situation that has affected my credit score and they should be able to see that my account was not transferred and allowed to make payments easily.
Product: Credit card or prepaid card

My family and I traveled to XXXX XXXX on XX/XX/XXXX, through XX/XX/XXXX of this year ( XXXX ). We used our Marriott Credit Card just a few times there. In XXXX we discovered that once we left until I discovered in XXXX that several transactions each day were being charged for thousands of dollars. I went to the branch ( JP Morgan Chase ) here in XXXX XXXX, MI ( XXXX ) and put in the claim for fraud. The lady there was very helpful and I could not have gotten to the bottom of it as quick without her help. Within days I seen all the charges ( about a XXXX of them ) credit back as well as the interest. We also canceled the credit card and I got a new number in the mail. 

A few weeks ago I noticed that some charges were put back on my card totaling XXXX that were put back on resolutions department. Which in turn we sent them proof of our travel back to the state on XX/XX/2021. 

We received a letter from them saying that they are removing a XXXX charge. but the other charges were valid since the merchant says so. 

I called back into the resolution department and put in another dispute which then sent me a letter sayin those are valid. 

I have been with JP Morgan Chase for almost a decade and up until now they were very good, but with the international fraud issues we are experiencing they have completely dropped the ball.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Mortgage account was paid on time and never late. I was made aware the mortgage was sold to a new lender via USPS and did exactly what both lenders advised me to do. I assume this was reported as late due to an admin error. They reported a payment as late.
Product: Credit reporting or other personal consumer reports

There are over 24 unauthorized inquiries on my credit report that are fraudulent I reached out to the original creditors and received no response these accounts need to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX . ) XXXX Balance : {$510.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$510.00} XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX . ) XXXX Balance : {$510.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX for {$6100.00} no verification on account Navy FCU For {$15000.00} no response XXXX XXXX XXXX no verification XXXX  incorrect information Navy FCU for {$6600.00} reporting incorrectly Navy Fcu for {$13000.00} is reporting in error
Product: Debt collection

On XX/XX/XXXX I received an alert from XXXX regarding a credit inquiry. Upon review of my credit report I noticed there was someone else 's name, address, and employment information on my credit report. I contacted XXXX to correct this information on XX/XX/XXXX. Then I froze my XXXX, XXXX, and XXXX reports for one year. Then, on XX/XX/XXXX I received a letter in the mail from a debt collector in reference to an apartment in XXXX. I wrote them a letter in response with proof of my mortgage for the house I currently and have lived in for 12 years now. I also explained in my letter that I have never lived anywhere other than the county I currently reside in. I also requested they send me the original information regarding the debt so that I can file a police report. I mailed all of this on XX/XX/XXXX. Then on XX/XX/XXXX I received an alert from XXXX that a collection was placed on my credit. I pulled my credit report and found multiple collections on my report at the same time. They are for apartments and XXXX XXXX XXXX. I called XXXX on XX/XX/XXXX and reported them all as not mine. Then today XX/XX/XXXX I received another alert from XXXX that there are collections posted on my report. I pulled my report and there are two new collections reported against me that are not mine. I have attempted to contact these agencies and they just do not believe they are not mine. They insist it is me because my birth date matches. Then they insist I owe the debt and written bad checks to their creditor, and I absolutely have not. Even the XXXX XXXX XXXX creditor, I explained I have an account with XXXX XXXX XXXX and it has never been late or unpaid. They didn't want to hear it and asked me to pay my debt. I requested that I be mailed the information but have not received anything to date. 

On my credit report ( none are mine ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXXt RE : XXXX {$500.00} XXXX XXXX RE : XXXX XXXX {$210.00} XXXX, XXXX RE : XXXX XXXX XXXX XXXX {$220.00} The one I sent a letter to is : Rent Recovery Solutions XXXX RE : XXXX XXXX XXXX {$570.00} I feel like there will be more ... .and my credit which has always been stellar is suffering.
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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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.