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

None of this information is mine, I need it to be removed. 

AXXXX 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 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Mortgage

Carrington illegally threat late charge assessment immediately after servicing transfer. The loan was newly originated and subsequently sold and servicing transferred to Carrington. I had to actually stop a payment to original lender and make a new payment to Carrington. This type of bullying behavior was what the law was intended to prevent but Carrington does whatever it wants because there is no recourse for someone like me.
Product: Checking or savings account

Fraudulent charges were disputed. The bank denied the disputed transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy is on my credit report. I need this removed because it has not and can not be verified. Bankruptcy court does not verify bankruptcies with credit bureaus.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed multiple unauthorized inaccurate inquiries. I have no knowledge of where these inquiries came from and never gave anybody permission to access my credit report. I also understand that these inquiries are in violation of my consumer rights. In accordance with 15 us c 1692b i have the right to privacy and for these items to be furnished on my report requires my express authorization. I am asking that these items are removed from my credit report and stop violating my consumer right to privacy. There is no certifiable evidence that can verify these inquiries so therefore in accordance to 15 us c 1681section 604 of the Fair Credit Reporting Act you must remove these unauthorized inquiries from my credit report lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided. 

XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XX/XX/20 XXXX XX/XX/20
Product: Credit reporting, credit repair services, or other personal consumer reports

To help my credit score, I decided to use a debt-paying service called Bright XXXX on Friday XX/XX/2023. Everything except " Bright '' has been my experience with this company. It has been very dark to say the least. They use very misleading marketing, advertising, and pitches. They loan you {$50.00} upfront and you pay it back in increments of {$10.00} once month. Supposedly by doing that they report your on time payments to credit bureaus. 

Where the fraud comes in at is they lie and say its {$7.00} a month for premium service sounds cool right? NO! ANNUALLY, they charge you {$88.00} for a service you never tangibly receive results from ( a very unexpected/hidden fee ). They also lie and say that with the premium service you get 24/7 real live money experts to answer any questions or concerns you may have, you get a " financial plan '' which is supposed to be tailored to your needs.

These are tailored lies that they hide behind to scam money out of people who are just trying to fix their debt and increase their credit score. I have current screen shots that show I have only received messages from Bots no real person ever. I have yet to be contacted by a real person, I have contacted them on their social media, and by email. Both times the responses were generated I can also assure you that another lie that they mislead people on telling them that some one will respond back to them in 24hrs. There is no customer service at all. Another Lie.

By fraudulently stealing people 's money and making frivolous statements and false promises, this company takes advantage of those in financial need and trying to pay off debt. Irreparably misleading marketing and advertising are the hallmarks of their entire business model.
Product: Credit card

I open an account with Target red card and Ive been having a difficult time making payment several attempts of making payment over the phone online or even target office. Its just really hard for me to do that and really bad on my credit score
Product: Credit card or prepaid card

My complaint is about Capital One charging me 3 late fees. The problem I am having is that I use an app called XXXX to automatically pay my bills. I have had this app for a few years and never had any issues. What happened was Capital One was booted off of my XXXX account so I had to re-link it. I was never notified by Capital One that my payments were not made. I checked my phone records, voicemails, emails, and spam. There were no notifications to make me aware of this situation. I found out when I was with my mortgage rep to get pre-approved for a mortgage. The problem that I am having is that my credit score has dropped to under XXXX and I always had a score of about XXXX. I then called Capital One. I expressed my concerns and all they did for me was waive one {$38.00} fee out of three {$38.00} fees. I have been a loyal customer with them for 8 years. I have NEVER been late on a payment. This was an innocent mistake, but they NEVER notified me about the late payments.
Product: Payday loan, title loan, or personal loan

Friday, XX/XX/XXXX, I drove from XXXX, NC to XXXX, NC to set up a deposit and automatic draft account with XXXX XXXX XXXX who is renting business and residential space from property owned by my sister, XXXX XXXX, of XXXX and myself. We arrived around XXXX to PNC bank to set up the automatic draft. There was a teller and a customer care representative working. The teller, who was also the manager, told us that we could not be taking care of until XXXX. I told her we would wait for the representative to finish with their customer. She replied that the representative would be leaving for lunch and when she returned the teller/manager would be leaving for lunch. I had yet to have anything to eat. The lack of customer service and indifference to our time and a three hour return to XXXX was incomprehensible to the client and myself. My sister handles this account for our farm property. XXXX XXXX had a {$9000.00} dollar check to deposit. He said he had been there three other times to set up the automatic draft and they were unable to help him. I do not have an account with PNC Bank nor do I ever intend to. I have asked my sister to establish an account in another bank who has proper respect, concern, and time for their clients. They get a F plus for customer service. Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

my name is XXXX XXXX i live in XXXX XXXX XXXXXXXX XXXX my social security XXXX XXXX XXXX a person uses my name and my social security to open a credit card in the bank capital one XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom it may concern, I would like assistance with the disputes I have sent to XXXX. I sent dispute letters to XXXX on several different occasions, letting them know that these collection accounts were being reported inaccurately : XXXX XXXX - XXXX, XXXX XXXX XXXX, and XXXX XXXX - XXXX, all three of these accounts are being reported as open accounts when they are indeed not. I will be attaching the disputes sent on XXXX and XXXX to XXXX. I understand that all information being reported must be reported XXXX percent correct. However, here we are almost XXXX months later. I rechecked my credit report on XXXX, and the information is still being reported incorrectly ; all three accounts are reported as open. This is inaccurate. Writing to XXXX about these errors and not getting the issue resolved is frustrating, not to mention it's costing me time and money. Please assist me in getting this issue resolved. I appreciate your assistance in resolving this matter.
Product: Credit card or prepaid card

i have been using this account for over a year now doing my initial setup i was asked to verify documents i used my drivers license and bank statement for prof of address my account was just restricted due to me updating my address so i can not use my funds in my account till i send a id so i send my drivers license again and my utility bill for prof of address i can not use it cause i used it before and the only other document i can use are passport or id in the united states when you have a drivers license you can not have a id too and everyone do not travel to be able to have a passport my utility bill clearly have my name and address on it and it was rejected as well when it was on their list of approved documents i am very XXXX about this situation i need my money i updated my address in my app that clearly states it was me doing so.
Product: Debt collection

1. A Debt collection notice was received on XX/XX/2024. 
2. A phone call was received on XX/XX/2024 from the agency and there was no mention of financial obligation or money owed, but asked for return of a company laptop. For which I have indicated that I need to go into the office and I am out of town. I will be returning week of XX/XX/2024.

3. He threatened to me to derogatory information on my credit file and it will stay for 7 years. 
4. I went into the office on XX/XX/2024, resolved the issue with IT Dept, mailed the laptop on the same day. 
5. I have called the Debt collector contacted on XX/XX/2024to inform that the laptop is received by the company on XX/XX/2024, at 9 AM. 
6. He indicated to me that he has put derogatory information on my credit report. He asked me to send me the confirmation, which I have sent to him. I pulled the credit report to see what is wrong and found XXXX had a debt of {$150.00}. There is no financial obligation that is communicated to me by my company either with an invoice or statement or in any other form. 
7. I have sent an email asking for valid basis for debt of {$150.00}, which he has not. provided. He indicated that FDCPB guidelines do not apply to me. 
8. I have disputed the amount with Debt Collector on the XX/XX/2024 in writing, but he has indicated that they do not need 30 days to validate the debt. I have until XX/XX/2024 to dispute the debt. 
9. On XX/XX/2024, the company has indicated that they will no longer respond to me, but only to my legal counsel. 
10. The following communication was sent on XX/XX/2024 to the Debt Collector and his response was good luck and I do not have any rights. 
Please provide the basis for {$150.00} debt that is owed to XXXX. 
Please provide a statement or notice of {$150.00} obligation mailed to me prior to arrival of your postal mail on XX/XX/2024 Had it been communicated to me ; I would have resolved it with XXXX. 
Any written/postal communication of this financial obligation prior to XX/XX/2024. 
Any phone calls informing of this financial obligation. There is an assigned HR Co-Ordinator postemployment, which he indicated to reach out to him for any questions and indicated that he will reach out to me regarding any matters related to XXXX, post-employment. 
Without a signed contract for the financial obligation, without a civil judgement against me, how can you claim this financial obligation? 
I dispute that I owe any money to XXXX. I was following instructions provided to me. 
Also, please show a proof that this financial obligation, if any exists, is assigned to Bilateral. 
On your XX/XX/2024 call, you have threatened me to report this debt to Credit Bureau and ruin my credit for 7 years, while I am disputing the debt within 8 days of your communication.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized credit inquiries listed on my credit report. Upon reviewing my credit report, I noticed the following inquiries that I did not authorize or initiate : Inquiry 1 : Creditor Name : XXXX  XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry 2 : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry 3 : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry 4 : Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Inquiry 5 : Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry 6 : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry 7 : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry XXXX : Creditor Name : XXXX XXXXXXXX XXXX Date XXXX XXXX : XX/XX/year> I believe that these inquiries are the result of either a clerical error, unauthorized actions, or potential fraud. I did not apply for credit or request services with these creditors, nor did I give them permission to access my credit report.As per the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these inquiries and remove any that are found to be inaccurate, unauthorized, or otherwise inappropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed multiple letter to transunion and XXXX to dispute multiple hard inquiries on my report dating back to XX/XX/2022 from multiple car dealerships I did not authorize or give permission for any of those dealerships to run my credit. I have called every month since XXXXXXXX XXXX XXXX  and both credit bureaus have not tooken action. I have also contacted those dealerships and companies to report what was happening and now as of todays date XXXX nothing has been removed from my credit report so I am filing a complaint
Product: Money transfer, virtual currency, or money service

I have been working on getting my cashapp back. I use this account to make payments and receive payments for my small business. Then one day I went to use it and I had a notification that my account was closed due to violation of their company policies. I told them that I haven't used my account in like 6 months so why is my account being closed. Just given the run around with cashapp and customer service. I requested my account to be open because I use this for my small business that I just started. So far given the same answers and they stating that they would look into it and nothing fixed till today.

I told them my account has been hacked because why would they close it because they said I violated their company policies and I explained to them that I haven't used my account for 6 months. Still no answer
Product: Vehicle loan or lease

THE INFORMATION I AM GETTING FROM MY BILLING STATEMENTS, STATE I AM BEING OVERCHARGE FOR INTEREST ON THE CAR LOAN. ON XX/XX/2017, I BOUGHT A VEHICLE WITH A BALANCE OF {$20000.00}. AT AN INTEREST RATE OF 4.8 PERCENT. I HAVE OWNED THE CAR A TOTAL OF 28 DAYS AND HAVE MADE 2 PAYMENTS OF {$16000.00}. CLEARING IN 19 DAYS AND {$400.00}. IN 6 DAYS. MY INTEREST SHOULD BE AROUND 53.00. NISSAN FIGURES {$16000.00}. {$400.00}. AND {$3600.00}. TO PAY OFF VEHICLE. {$20000.00} - {$20000.00}. = {$72.00}
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 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 XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the companies listed below have violated my rights per : 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 XXXX, account ending # XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX XXXX account ending # XXXX XXXX XXXX XXXXXXXX XXXX XXXX, account ending # XXXX XXXX  XXXX, account ending # XXXX XXXX, XXXX, account ending # XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I didnt get my front line worker money and they sent me an email saying there was wrong with the account.
Product: Credit card

On XX/XX/XXXX of this year I was notified via email and text about potential fraud on a Citi credit card. I contacted Citi 's fraud department and told them I never activated the card and I did not make the purchases from XX/XX/XXXX and XX/XX/XXXX. 

Citi cancelled the card and issued a new one while they were investigating the purchases. Citi 's " investigation '' consisted of them asking me if I lost the credit card or gave it to anyone in my family. I explained it was not lost and it was still attached to the paper as it was never activated and I had never been to towns listed in the transactions. The card is so old that it is under my maiden name. 

In XXXX I received a letter that I was responsible for the purchases since the credit card was not lost or stolen. I called Citi and asked for a history of the statements and transactions of the card to prove I had never used it. They could only find transactions for the fraudulent purchases. I asked how a credit could be used when it hadn't been activated and the manager of the fraud department told me good customers can make purchases without activating their card. They told me I'm responsible for the {$260.00} of charges and the only thing I could do was write a letter to dispute the charges. 

I'm truly baffled and disgusted with Citi 's response. People are encouraged to use credit cards to protect themselves against fraud. I would have had an easier time disputing these charges with my bank. The person I spoke with could not explain why the card wasn't closed due to inactivity.
Product: Mortgage

I believe they over charge on my bill statement ... I pay every month but they still charge me for late charge ... I paid extra for my insurance every month but now they still bill me .... 
My payment used to $ XXXX/month ... .now I have to paid $ XXXX/month just for extra insurance, but i 'm ok with that until now ..they just sent me a note of default and intent to accelerate {$2100.00} have to due before XXXX XXXX 2016 .... I do n't know what that for?
Product: Credit card or prepaid card

I received an email from Bank of America on XX/XX/XXXX stating that I was approved for a credit card that I never even applied for. I then received a text on XX/XX/XXXX stating that my application had been approved and my card would be sent out shortly. Today ( XX/XX/XXXX ) I got an email again from Bank of America stating that my credit card would be sent to my home. At no time did I ever inquire or apply for this Bank of America credit card. I will follow up with the company as well regarding this issue. I am concerned because I have heard recently in the news that Bank of America has been in trouble for doing this to other consumers.
Product: Vehicle loan or lease

My car loan was sold to an extremely bad company. They changed my due date for the loan without letting me know and then they falsely reported to the credit companies untrue information. They also refused to produce any original documents to say that they did anything legally. They destroyed my credit over a fake XXXX dollar fee and then reported that my vehicle was repossessed over the false XXXX dollar fee
Product: Mortgage

I had notified the loan servicer-Gregory Funding, LLC. of my extreme hardship and asked to work with me payment assistance options, give me forbearance. This company stalled the process, every day create artificial barriers in order to escalate foreclosure activity. As a victim of discrimination, predatory lending and consumer fraud, I ask for your help. As a homeowner, I had submitted loss mitigation forms and supplemental supporting documents many times, last one was mailed last week, however their staff are well trained in verbal manipulations and stall tactics. Prior to COVID-19 pandemic, my mortgage loan was sold/transferred to more than dozen of suspicious " bogus '' loan servicing companies, including the current company.I have a proof of my misaaplied/missing and never posted payments I've made last year. My timely payments were posted to my account, prior to XX/XX/2020, however this company repeatedly refused to report my mortgage payments to CRA 's.