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

In accordance with the Fair Credit Reporting Act. The accounts listed below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I contacted Experian, XXXX and XXXX to reinvestigate the following accounts : XXXX. XXXX Card, Date Opened : XX/XX/XXXX, Balance : {$5700.00}, Partial Account Number : XXXX XXXX. XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00}, Partial Account Number : XXXX. 
However, they stated everything was complete and accurate but that is not true as the open date, date of the last activity and much more are incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

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 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. 
Also, Experian, XXXX and XXXX are not even in compliance with XXXX credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my letter on XX/XX/2020 today is XX/XX/XXXX and its been 32 days and you have neglected to respond.Per the FCRA you have 30 days to validate the debts or remove these accounts. Please remove these accounts immediately. 
I have included a copy of the letter that I mailed to you certified on XX/XX/2020.
Product: Credit card

On XX/XX/XXXX I applied for the hardship program when it came to my XXXX credit card because the store had went bankrupt and closed down and the pandemic was going on I was told by the lady I spoke with that I could agree to pay {$10.00} a month from XX/XX/XXXX of XXXX to XX/XX/XXXX of XXXX then my card would be paid off instead I was told then I contacted the company and spoke with XXXX and a XXXX that I still had to pay even though I completed the program I explained to them that I was not told that by the representative that set me up on the program. On XX/XX/XXXX I received another letter from them of congratulations for completing the program I paid a total of {$220.00} to them when I only owed XXXX I then told them that their company says on the recording that the call may be recorded or monitored for quality assurance and that they should be able to go back and pull the call to hear the conversation and what the representative told me to prove I am not lying they then turned around and sent me a refund check a year or so ago and they said I owed them {$11.00} or so which I sent now they are hounding me again for more money when I was told by the representative how the program worked. I want them to get this resolved if I have to go to court I will
Product: Debt collection

My name XXXX XXXX XXXX on or about XX/XX/2024 XXXX, PORTFOLIO RECOVERY ASSOCIATES sent the validation of debt notice to a undeliverable address I never received one and my rights on how to dispute ... violation of the FDCPA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a 1099-C evidencing the cancellation of the debt of {$19000.00}, linked to the account : XXXX ( attached files ) Since it has been over a week since I receive this information I find it upsetting that this has not been reflected on my credit report and file. 

Yesterday, I filled a claim with XXXX and they closed my claim stating that it is a duplication. And they did not allow me to provide them with notice from Navient. I have been economically hurt and will seek damages. 

This is also a violation of the Privacy Act of 1974. 

Navient Corporation ( Exact name of registrant as specified in its charter ) Delaware ( State or other jurisdiction of incorporation ) XXXX XXXX XXXX XXXX, XXXX, Virginia ( Address of principal executive offices ) XXXX ( Commission File Number ) XXXX ( I.R.S. Employer Identification No. ) XXXX XXXX XXXX as well as other responsible parties will receive a civil suits. 

I filed a complaint with the OCC, XXXX, and the Attorney General.
Product: Credit card

Hi, I had received an email offer from Discover for earning an extra 6 % cash back at Restaurants on up to {$1000.00} in new purchases through XX/XX/year>. I activated this offer through my email by clicking as per instructions and used my credit card for several restaurant purchases during this period. However, I have still not received the promised 6 % extra cashback for restaurants. I reached out to customer service and they told me they don't have access to view these special email offers and put a complaint to their corporate with complaint number XXXX. Despite activating the offer and using the credit card for restaurant purchases within the specified period, I didn't receive the promotion as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$4700.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

Company is using deceptive advertising, there are no APR 's with the email solicitations from compass lending group. 

Compass Lending Group XXXX via XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my absolute outrage at the egregious violations of the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and the shocking absence of Metro 2 compliance evident in your recent reporting. Transparency, accuracy, and adherence to standards are non-negotiable, and it is abundantly clear that your actions have fallen disgracefully short of these expectations. 



Upon reviewing the credit report you provided, it is blatantly evident that it fails to adhere to both FCRA and XXXX XXXX data field formatting standards. This not only raises serious concerns about data accuracy but also highlights a complete disregard for established reporting processes. 



In light of this deplorable situation, I formally demand that you provide me with a document outlining all evidence supporting the inaccuracies in my report. This document must be verified and complete with sources. Any deviation from the 2020 Consumer Reporting Resource Guide ( CRRG ) standards jeopardizes the integrity of dataa matter of grave concern. 



Furthermore, I insist that you take immediate and aggressive action to rectify any false accounts on my credit report. Address the non-compliance with XXXX XXXX standards and ensure my credit report adheres strictly to the established formatting standards. Remove any inaccuracies and false accounts promptly to comply with FCRA and XXXX XXXX standards. 



In accordance with the FCRA, I am entitled to sue for up to {$1000.00} per violation and Your immediate attention to this matter is not only crucial, but it is also imperative. Further non-compliance will result in swift legal action within [ 30 days ]. This is your final opportunity to rectify these violations promptly, or I will pursue legal action to remedy these violations and demand the immediate removal of inaccurate information. 



Furthermore, I remind you that you must immediately remove any unproven claims listed from your reporting. I demand nothing less than 100 % accuracy on my credit report, and I expect only factually accurate, verified, and compliant data to be documented in it. This includes claims that may comply with necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete XXXX XXXX Compliance standards set by CDIA in their CRRG, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.
Product: Payday loan, title loan, personal loan, or advance loan

I utilized Affirm to create a {$300.00} Affirm virtual card that I inenteded to use to pay a paypal invoice for tutoring on XX/XX/XXXX. Affirm approved the virtual card loan as a pay in installlments loan with a down payment of {$61.00} due on the origination of the loan. Affirm authorized the virtual card and debited me {$61.00} on XX/XX/XXXX. I attempted to use the virtual card to pay the paypal invoice 3-4 times that same day but the merchant did not accept the virtual card as payment. I contacted support that same day to see if they could help me identify or look for any issues with the payment being declined. They could not provide me any resolution or reason for it so I just paid the paypal invoice with another payment method. 

I notified Affirm on the same afternoon that I would like to cancel the loan as I was unable to use the virtual card/loan for the purchase, the whole reason the loan was originated. I spoke with Affirm and they told me they could cancel it but when the support agent attempted to cancel it they said there was a " technical issue '' and the loan could not be cancelled. 

I contacted Affirm again the next day, XX/XX/XXXX, telling them I would like the loan cancelled and my down payment returned to me and they said the same thing, they were unable to cancel the loan due to a technical issue and to wait 21 days for the loan to end merchant processing. 

All I want is my money returned to me in a timely manner. Affirm did not facilitate the loan/virtual card payment to the merchant but still took my {$61.00} downpayment. They have not paid anything to any merchant on my behalf and the virtual card generated has a 24 hour time frame so there is no reason for them to not return my money back to me. Instead they want to hold my downpayment for 21 days for no apparent reason.
Product: Credit reporting or other personal consumer reports

I am disputing incorrect information being reported on my credit report by XXXX XXXX regarding a credit card account that I previously held. 

- **Account Number : ** XXXX - **Account Status : ** Closed - **Payment Status : ** Charge-off - **Balance Owed : ** {$960.00} - **Credit Limit : ** {$1100.00} - **Account Type : ** Revolving - **Account Rating : ** Closed - **Date Opened : ** XX/XX/XXXX - **Date Reported : ** XX/XX/XXXX - **Date of Last Activity : ** XX/XX/XXXX - **Last Verified Date : ** XX/XX/XXXX - **Closed Date : ** XX/XX/XXXX **What happened : ** I had a credit card with XXXX XXXXXXXX, and I have never missed a payment on this account. Despite this, my credit report incorrectly shows a balance of {$960.00} listed as a charge-off. I have contacted XXXX XXXX multiple times to request that they update my credit report to reflect " paid as agreed and never late. '' However, I keep getting the runaround, with representatives promising to make the updates, but no action has been taken.
Product: Credit card or prepaid card

Unresolved Chargeback dispute between Citi and a merchant ( XXXX ) regarding the original transaction date of XX/XX/2020 in the amount of {$1700.00}. This was a deposit for an out-of-state apartment lease who required a merchant transaction through XXXX. 

On XX/XX/2020, I was forced to put a temporary hold with Citi on this transaction due to Covid-19 travel restrictions, but two days later I cancelled the hold when the landlord agreed to hold my deposit until Covid travel restrictions were lifted. 

Citi sent a " Dispute Detail report '' that this transaction amount of {$1800.00} was canceled and applied a permanent credit to my Citicard. Later, Citicard rescinded this credit claiming they made a mistake and the charge remained on my Citicard. 

The merchant nor the landlord received the funds after I cancelled the hold with Citi. 
I used other funds to pay the amount again to the landlord, while Citi showed that I still owed it on my Citicard
Product: Debt collection

Mercantile Adjustment Bureau has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

On my credit report I have a collection debt of {$590.00} from the company XXXX XXXX it says the account was opened XX/XX/XXXX so its been open for a year and 3 months. The original creditor is XXXX. I was never told it was going to collections and its affecting my credit score. I would like it removed. I havent had a XXXX account since XXXX so i dont know why its still on my credit report. I also have a complaint with XXXXXXXX XXXX XXXX. and I have a collection debt of {$350.00}, it says the original creditor is XXXX XXXX XXXX XXXXXXXX. I have never in my life heard of this creditor called XXXX XXXX XXXX XXXXXXXX so I dont really know why its on my credit report also. this has been on my credit report for 2 years and 5 months I would also like this off of my credit report also.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX : XXXX XXXX : XX/XX/2021 I didn't have a late payment during this time. I request that the credit bureau to investigate this late payment. The credit bureau has not contacted me after 30 days. This incorrect information is negativity effecting my credit score and should be removed immediately as soon as possible.
Product: Vehicle loan or lease

My car was repossessed XX/XX/XXXX. I was not notified by American Credit Acceptance as required by law of a repossession. On the morning of the repossession, I was told that I was notified and I wasn't notified at all. In addition, I inquired as to the location of the auto and was told that I could not find out because they don't want me to know where the car is. 

I received a letter in late XXXX from American Credit Acceptance that the car was in Washington DC. On XX/XX/XXXX, the vehicle was transferred to XXXX, VA ( XXXX miles away ) to be placed for auction. I was unaware that this was going to happen. I found out on XX/XX/XXXX, that my XXXX XXXX XXXX had been moved to an auction lot. American Credit Acceptance has cause a lot of unnecessary trouble. 

Now, in addition to having to go without my vehicle, AMERICAN CREDIT ACCEPTANCE has reported to XXXX, XXXX AND XXXX that the account is CLOSED and that I have a " foreclosure ''. My account is open and I have a payment arrangement to get my car back, although it is an overpriced arrangement. 

Please help.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. despite having sufficient funds when transactions were authorized, I was charged fees do to lagging postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am applying for a mortgage loan as my new house is withing 60 days of being complete. The bank said they pulled my credit from the 3 agencies, but Equifax does not show any credit report. I called them 4 times and each time they tell me the same thing that there is nothing in my profile preventing my information from getting to the bank. 

My credit also shows a death notice from XX/XX/year> which was supposedly fixed last XXXX of XXXX. My loan officer and I are at my wits end trying to fix this so I can lock in my mortgage rate.

Any help you can provide will be greatly appreciated.
Product: Credit card or prepaid card

I've attached a photo of a stolen card issued by Square/Cash App that my friend living in XXXX has found on a Telegram channel ( or similar - forgot if he specified ), and asked if I could report it to Square given that a random person 's payment card information is now on the Internet randomly. 

Square responded first sounding very confused, asking who's card it is and what country I'm in. They eventually told me they don't have a system to resolve this ... ( also, they assumed the cardholder 's name is my name ) The email conversation is attached.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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 XXXXXXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

There are several inquiries on my report that I did not authorize.
Product: Debt collection

Last year, my car was unlawfully used by a mutual person. A debt collector with the name of Wilbur has been trying to contact me apparently for the last year. Well recently spoke with a lady named, XXXX. She said I didn't have insurance at the time of the accident. Which is a false statement. As I went to my insurance and they printed out proof that I had insurance. XXXX said that wasn't gon na help and asked for the policy number. They're threatening to suspend my license if I don't pay. I don't have that kind of money. And I operate a driving business. I will be contacting the DMV and the court of clerks. I wasn't the person driving.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). I have advised them that under Section XXXX ( XXXX ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Product: Checking or savings account

Last XXXX I received a wire transfer of XXXX that was transferred to XXXX XXXX for XXXX reasons. XX/XX/XXXX Bank of America closed my accout and XXXX XXXX returned the money back to Bank Of America and a year later they still won't return the XXXX and have made several different claims on why which has proven to be fakse. Bank of America refuses to give me my XXXX and XXXX from last XXXX. Bank of America claims XXXX XXXX that XXXX XXXX never returned the money tothem, whichis false on XX/XX/XXXX I received a XXXX check sent by UPS proven by the documents attached to this form. Further XXXX XXXX returned the money to them on XX/XX/XXXX which shows that Bank of America statement is false again Bank of America is going to answer back that the funds were available at a financial center even though I received a letter fromthem statingthat the funds would not be returned to me. They also claimthat XX/XX/XXXX I went to XXXX XXXX XXXX and purchased a cashiers check in the amount of XXXX, why would I purchase a cashiers check for XXXX and not for the whole amount and how can I purchase a cashiers check in XXXX but received one in XXXX thru UPS, even the proposed form was blacked out in key parts and the check says purchased by Bank Of America plus I have never stepped one foot in XXXX because it's over 200Milesfrom my home andthereare much closer Financial centers near me. It proves that they have stated false and Fabricated information for their own mistakes. During this whole process, I have yet been able to get a hold of anybody in Bank of America to discuss these things bytelephoneor email. My calls are forwarded to a voice mailbox and never returned .They have avoided all forms ofcommunication except when a complaint is filed, then they send a letter stating false information and have changed there story several times to accommodate them.