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

On both credit reports XXXX and Experian they show that I have accounts with XXXX XXXX XXXX and XXXX XXXX. I do not have accounts with them. I called XXXX XXXX XXXX and XXXX XXXX they both said that they do not have any accounts with my Social Security Number. The partial account number listed on XXXX XXXX XXXX is # XXXX on both XXXX and Experian. Partial account number listed on XXXX XXXX is # XXXX. 
This number is on both XXXX and Experian. I have filled out the papers that both Experian and XXXX provide if you have issues with the reports. Told both XXXX and Experian that these account are not my. To remove them immediately. I contacted the fraud departments of the bureaus. I have also informed the Federal Trade Commission and they said to contact you. Also filed a police report with XXXX, PA police department. Report number with them is XXXX.
Product: Mortgage

Stearnes Lending continuously posts my payments 15-18 days after they receive them via ACH through my bank 's bill pay.
Product: Credit card or prepaid card

Comenity - XXXX XXXX credit card does not have the option to set up reoccurring payments which is very inconvienent. You have to go online each month and setup the payment. Unfortunately I was dealing with an ailing family member and was preoccupied for months until they passed and forgot to set up my payments. I have gone online for several months even years and paid on time. This is the only creditor I have that does n't have an option for reoccurring and you ca n't set up the next one until after your payment is made. I received a phone message and was horrified that I forgot to set up that payment so I immediately setup a payment to make it current then I set up another one after that one got paid for the next due. Called the company the very next day was transfereed to customer relations and they told me to write a letter and fax it or mail it asking for forgiveness and if they can fix the late reporting to my credit report. I received a letter dated XXXX XXXX, 2017 stating they reviewed my file and ca n't make any adjustments to my credit reporting. Bottom line you should be able to set up any online account to have reoccurring payments so you do n't make the mistake of not setting it up every month. Even XXXX who has interest free promotions like XXXX XXXX allows you to set up reoccurring payments. It seems companies that wo n't want you to mess up so you end up paying all the interest ... which to me is very deceptive.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting if charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balance despite initially available funds. I believe these practice are unfair and request an investigation into my account transaction.
Product: Credit card

I opened this card in XXXX, I have been using and paying my account on time. I went online to pay my bill and the card info was gone. I immediately called Capital One it went to the fraud department and I explained I was trying to pay my bill. They stated that my account was under investigation they could not tell me anything else and that I would get something in the mail and that I do not owe anything. Well I printed a copy of my credit report just now and this account IS on there and it states that there is {$420.00} owed. If I can not pay as I attempted to on XX/XX/XXXX I need this to not be reported on my credit file. THEY WILL NOT LET ME PAY but they are reporting on my credit report? This is very sketchy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an unauthorized credit inquiry on my credit report. I visited a car dealership that was supposed to run only XXXX account for me, but instead, they ran my credit for multiple accounts and resulted in multiple hard inquiries on my credit report. I did not authorize this inquiry, and I was not informed that my credit would be checked for multiple accounts. 
I am requesting that this unauthorized inquiry be removed from my credit report immediately.Please investigate this matter and remove the inquiry from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your prompt attention to this matter.
Product: Credit card

i reached out to my crytpo.com visa debit card because i have a charge on my card from XXXX XXXX that i did not approved because i canceled my membership in person. XXXX XXXX two weeks ago still has done nothing and i have emailed them over a week ago to cancel my membership. visa crypto.com froze my card because i disputed that charge. they didnt even reach out to XXXX XXXX for confirmation. crytop.com is trying to get me to give up my right to dispute any and all future transactions and then they will unfreeze my card. this is completey wrong and i have screenshots to prove this. this is unamerican and unconstitional.
Product: Debt collection

I recently installed the XXXX XXXX app and started reviewing my credit report. I saw a collections report for an account with XXXX XXXX XXXX that was opened on XX/XX/XXXX and has an owed balance of {$280.00}. I did not open this account as I have been an XXXX customer for about 3 year 's. I am also participating in a program called the XXXX XXXX XXXX that provides internet / cellular service at a free or reduced rate for low income families. I have had free/ reduced internet through this program with XXXX for over 3 years and would not jeopardize my reduced plan by adding another service alongside my established service with XXXX XXXX About 4 years ago, I was the victim of identity theft and have an open case and fraud alerts with the FTC. I am assuming this XXXX XXXX XXXX  is associated with my identity theft issue. I spoke to the collection agency today XX/XX/XXXX and spoke with a representative named XXXX who would not accept the information I provided to dispute this debt. I do have verified documentation to support this dispute. I spoke to XXXX XXXX XXXX, a rep named XXXX and was also met with mild discourtesy regarding the information I am providing to dispute this debt and no knowledge of this account. When I spoke to the collection agency, she verified my address as being XXXX XXXX XXXX XXXX XXXX CA XXXX. This is not correct. My address is XXXX XXXX XXXX XXXX XXXX CA XXXX. She also had an incorrect email address and phone number for me. I gave her the correct contact information. However, both entities are persistent about collecting this debt and refusing to accept or note the correct information I am trying to provide to dispute this account.
Product: Mortgage

The cabin that the mortgage loan is on is our vacation rental investment home and was purchased in XXXX with no mortgage against it. We own a logistics transportation business since XXXX and was very profitable up until XXXX when Covid hit so many businesses.My husband and I haven't received a personal income in four years and have depended on our cabin rental to help pay what bills we could.We had our mortgage loan with our local bank and was looking for lower interest. The company we went to sold our loan to Select Portfolio Servicing and had never dealt with this type of company. XX/XX/XXXX I started working with XXXX XXXX to get my mortgage moved to help with payments and use our equity to consolidate debt and do renovation needed at the cabin.Signed all the documents in XXXX with a notary and was told from XXXX they would payoff SPS and would receive funds end of XXXXThey requested a payoff quote from SPS on XX/XX/XXXX. I was also working with SPS for a lower payment so we could continue making the mortgage payment. On XX/XX/XXXX they sent me a payment plan that was to start on XX/XX/XXXX for {$3200.00} and was higher than our payment of $ XXXX were not trying to help with our issue to have affordable payment! I was still working with XXXX hoping for an answer and the first lender did not work. On XX/XX/XXXX SPS withdrew my application for assistance because I didn't the payment plan that I could not afford! On XX/XX/XXXX they sent me a demand notice of default, so I started sending them documents for the assistance program. From XX/XX/XXXX I kept getting letters stating missing information and contacted them each time to see what else they needed up until XXXXOn XX/XX/XXXX I contacted the relationship manager and wanted to make a {$5000.00} payment on the loan that would cover two months and wouldn't except because had started foreclosure on the property. We have always had our home loans with our with our local bank and moved the loan for lower interest and have always made our payments on time for 42 years. I have never done business with this type of company and would have never moved our loan if I had known this could happen! There business practices are unethical for the average consumer that is trying to survive and was hit with an unfortunate situation out of our control. We want and need to keep our home and the rental is our only income to live.I have read reviews with SPS and they are all BAD. I hope you can help me with this and stop foreclosure on our home.They have set the date for XX/XX/XXXX to no longer work with me. Need your Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an amazon credit card through chase bank on  XXXX   XXXX  of  2017 . I was told I would be hearing back shortly. I then received a letter from synchrony bank saying they could approve me for a store card at amazon. I am only  XXXX  and did not realize the difference at first so I now have a store card to amazon through synchrony. However in order to get my card I had to call them and just go over my information with them. I did this on  XXXX   XXXX . I then checked m y credit score and  it was lowered because synchrony hit me with  XXXX  hard inquiries,  XXXX  on  XXXX   XXXX  and  XXXX  on  XXXX   XXXX . They should not have hit me  XXXX .
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 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, lets 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, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report 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 XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Debt collection

Reviewing today XX/XX/XXXX my XXXX XXXX account, I found a collection from Capio Partners claiming {$120.00} from original creditors of XXXX XXXX Hospital. Also, I received a letter from this company Capio Partners dated XX/XX/XXXX about the same claim for a service at the XXXX XXXX Hospital from XX/XX/XXXX. 
I have never been or received any treatment on this Hospital at all. 
Please help to eliminate this collection that is affecting my credit score! 
Thank you very much!
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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name XXXX XXXX XXXX XXXXXXXX, Account Name : XXXXXXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : 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 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

For years I have been unable to get online delivery of my credit reports from Equifax. I am always greeted by the message " Online Delivery Unavailable '' for my credit report and instructions for how to mail in a request and what documents had to be attached to prove my identity. 

I have contacted Equifax numerous times, opened several disputes, and discovered that they have more than one file on me, under different names. I never seem to know which one they eventually mail me, sometimes I got both. I spent over two hours on the phone with them on XX/XX/XXXX, was told the problem was fixed, but it never has been. In fact there is a new " Previous Address '' in the file which I'd never heard of, much less lived there. There also appeared another address which was specifically discussed on that phone call and which I was told would be removed. It was not. 

The last credit report sent to me, dated XX/XX/XXXX was address to one name while the " name on file '' on the report was another. 

I hope something will be done to fix this as it is apparent Equifax doesn't care and could be reporting the incorrect file to inquirers. Their file ( s ) are so effed up now I'd like to sue them and get removed from their system completely.
Product: Credit card

To Whom It May Concern, My name is XXXX XXXX, phone number XXXX. I have been a loyal customer to Citibank for years. I was always proud of the customer service and the banking services that Citibank provides. 

For almost two weeks I have been trying to ask CitiBank to save me and my account from an agent who committed a discriminatory act against me and harmed my credit intentionally but they emailed me saying " we are sorry we can not do anything to assist you please contact the presidential office. 
The story begins when I called Citibank to talk to a credit department to increase the credit limit for my forward card. 

A Citibank employee named XXXX replied to me and started the process. Part of the process is to verify the identity of the applicant via calling him by phone. XXXX asked to hung up the phone to call me. But, he never called. Instead, he decided to reject my application and went to a break time. 

After waiting for XXXX, long time, I decided to call back to check why XXXX did not call me. I was astonished to hear that he rejected my application without mentioning a reason. I asked to talk to the credit department. The customer service agent named ; XXXX ; said that the credit department said they do not want to serve you ; I asked him to record this on my file that the department decided not to talk or help me. I asked XXXX also to refer me to the manager. 

The manager of the customer service was so helpful and called the credit department but the credit department said that " I was approved then I was rejected because XXXX could not reach me via phone. '' XXXX never called me or even try to call me. XXXX decided to cause harm to my credit score and causes inconvenience to me by deciding not to call me and rejecting my application for the credit increase. He discriminated me may be because of my name or my accent. 

I filed serval complained with Citibank but all of them were ignored and finally they told me they are going to send me the reason for denying. They never mailed me the reason. For few second the posted a message on my account saying I was rejected because I have not updated my phone number in the fraud alert and they removed the message quickly from my account. They removed it because it was wrong, my fraud alert has my number long time ago and I managed to use it when I applied for servers credit card and also when I increase my credit limits for other Citibank credit card on XXXX XXXX, 2016. 
My credit score has negatively been affected by Citibank agent act and I am emotionally been affected and put a lot of stress on me. This is especially after all Citibank customer service informed me that they did a mistake but they can not help me and I have no way to get my right back. 
I never had such racial discrimination in my life. Please help me stopping such discrimination and any potential harm from Citibank employee and get my right by fixing my score they harmed. 

Look forward to hearing from you, XXXX
Product: Vehicle loan or lease

Over the past XXXX XXXX XXXX BOA has carried my auto loan and there have been issues with payment processing since the very beginning. I attempted to set-up autopay, as I do with all other accounts but there always seemed to be some sort of error doing so with BOA and the autopay feature never seemed to work as it should. On many occasions I set-up autopay online, I completed handwritten autopay documents which I mailed in, and of course, I spent several hours on the phone with customer service representatives who helped me on their end and assured me this would not happen again.

Thankfully, we finally figured it out after 2 years and payments seemed to be withdrawing as they should. However, to my dismay, a payment over the summer did not withdraw due to insufficient funds ( the first time this has ever happened might I add ) and I was not notified of this. BOA continued to collect future payments. 
When I realized there was a payment past due I contacted BOA immediately to settle payment and also filed a complaint since I was never contacted to collect this debt. The customer representative told me that BOA made several calls but I never received one. I asked them to confirm the phone number and the last digit was incorrect. We were both in shock. This is unacceptable considering the amount of phone calls I have had with BOA over the life of my loan, plus they definitely called me the first 2 years to collect payment when autopay failed.

They also mentioned they mailed a letter via USPS which I did eventually received but I had just moved and had mail-forwarding services on which only meant the letter took twice as long to reach me. 

I called BOA and asked for a one time forgiveness and was assured this would not impact my credit but received a letter stating they would not remove the late payment. The remaining balance on this loan was paid in full this same month.
Product: Credit reporting or other personal consumer reports

Bankruptcy reported on credit. Not public records how was information released. 

XXXX  XXXX Bankruptcy : Bankruptcy XXXXXXXX XXXX XXXX {$0.00} Discharged
Product: Credit card or prepaid card

Capital One Retail Services ( Lord and Taylor ) charged me a {$27.00} late fee! 
Outrageous and obscene. I have never been late with paying Lord and Taylor!
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This account was charged off on XX/XX/year>. Since then, the account has been repeatedly updated as a charge off every month. This is an update on the payment history. The charge of account should not include an active payment history. this inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX : XXXX