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

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. I will also attached a copy from XXXX XXXX  saying they deleted those bankruptcy account from their end as well. These inaccurate accounts are affecting me tremedously and Its putting me in position were I can't do anything.
Product: Credit card

I got an email today stating that Fortiva, the company that holds XXXX XXXX " XXXX XXXX '' credit cards, is going up on my APR from 25 to 35 percent in four days. I've held this account for at least four years, pay diligently, and use it sparingly since my initial APR was ~25 percent. When I called customer service tonight I was transferred to " XXXX '' in the XXXX call center. Operator id XXXX ( last digit is a XXXX ). 

She stated this was not penalty pricing for missing one payment last month and they actually refunded me my late fee. 

She said that EVERYONE that has the card is getting this rate increase across all markets in the United States and it based on the prime rate. 

I believe this is a violation of the Fair Credit and Reporting Act and is arbitrary and capricious. I am requesting an investigation of XXXX XXXX XXXX XXXX  Fortiva, based on the premise of PREDATORY lending practices.
Product: Credit reporting or other personal consumer reports

In as few words as possible, Freedom Home Mortgage Company 's criteria on how to repay your loan, such as no ability to split payment to fit pay period, limits what a customer can do on their site as it relates to repayment, and it is structure, so you have to utilize you outside banking service to be able to split you payment to fit your pay period ; however, Freedom process your payment for you bank in a way the best fit their objective, in my case, my bank had authorized payment to Freedom Mortgage for my XXXX XXXX payment as it has always done since Freedom became my mortgage servicer in XXXX, the payment is set to auto draft and process each month at the same time however, Freedom does not handle the payment for them the same way each time, on XX/XX/XXXX freedom accept the first authorization dated XX/XX/XXXX, but does not process the authorization until XX/XX/XXXX, Upon processing the authorization another transaction is pending, Freedom payment is set to auto draft and has first position to be process, Freedom rejects and subquenctly resubmit the authorization to my bank, it is process a week later by Freedom and paid out. However this process freedom has now gained further interest by rejecting the first authorization and resubmitting, then turning around and ding my report as the there process carried over to the next period. However, the transaction was initiated on XX/XX/XXXX and shown as paid until XX/XX/XXXX, where it was paid against the resubmission, the date of which is past due. When XXXX this has happen in prior period with no report as late ; the different is timing, XXXX is a XXXX period were process is delay significantly due to the holiday season. Therefore the burden or process is rendered to me ; Freedom gets a late fee, interest, and their payment, I receive a negative mark for their back office event, the consumer has not control over the timing and back office if you accept the payment as XX/XX/XXXX, then reject and resubmitted it the same as the original transaction, I would like to bring to their attention then done this prior before by this is the first time they recorded a late, I spoke to customer service at Freedom twice, and the rep said the same thing, the other Rep could not make sense of it because you can see the back office event in the account history when leaving the question, one state your not late or state they did process it but not sure why they gave me a late as this was done like this in the prior period. I have no control over processing. Ultimately, the creditor receives the money ; it was their process, not mine. I was told by one rep it was because I use ACH, and the other said it was because I didn't use the Freedom website to make the payment, it is a lot of confusing that I had no control over
Product: Checking or savings account

On XX/XX/2023, a total of {$3400.00} was stolen from my account through my debit card information at two separate post office locations at the same time. On the same day, I called my bank and told them that money was stolen out of my account, and the representative claimed she stopped the payment, but it was still taken out. She said they would investigate the transactions. Since then, I have been chasing Chime to retrieve my money back, but they have not done a proper investigation and they did not issue me a provisional credit. I provided them a police report and an FBI investigation report to prove that I am a victim of fraud. I even went to one of the post offices where my money was stolen from, and they said to go back on XX/XX/XXXX and that they may have more information at that time. They also stated that Chime has not contacted them. However, they still refuse to comply with any of my request. Every time I call Chime, they seem clueless, keep transferring me to different individuals, and even though I provide them a case number and ask for the status, they keep saying they don't know, and have no access to my case or account information. It has been almost 2 months now and I still have not received my money back. I know that they are violating Reg E and UDAP. I am hoping the CFPB would help in this matter. I will also take this complaint to their banking partners, XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND EQUIFAX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I SEE NAME VARATIONS, ADDRESSES, AND CREDIT INQUIRIES I NEVER AUTHORIZED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF XXXX XXXX XXXX681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

I received call from the caller I'd showed XXXX but they said they were Experian and that someone tried to open an account using my information. Then they wanted me to verify all my credit card numbers and I told them no. The number they used was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have medical bills that are incorrectly reporting negatively as unpaid medical bills to collections in less than a year. According to the Medical Debt Relief Act S.214 Section 3, no medical bills are to be reported as collections to credit report within 1 year. 
The following negative marks are damaging my credit : XXXX XXXXXXXX XXXX XXXX  XXXX reported XX/XX/22 Balance {$100.00} Please remove all incorrectly reported items as they violate FCRA 15 USC 623.
Product: Debt collection

XX/XX/XXXX XXXX XXXX aka XXXX XXXX cable services closed my cable account, I returned the cable box and delivered them to their field office. My cable bill was {$260.00} after shutting off the service, they continued to bill and added more and more dollar amounts to my account. Making my pay of past due monies owed to XXXX impossible for me to pay, now my owed amount is doubled from my billing statement, placing negative reporting on my credit report. This seems to be a practice they do to customers who can't or won't pay them what they ask. I'm a senior citizen on a fixed income, and this is effecting my credit FICO score. the information on the reporting of my past due amount is incorrect and I'm stuck with negative reviews and FICO score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit reports, I noticed an account reported by BOFA on my 3 credit bureaus. The account in question contained some inconsistencies acrross the bureaus. There was no activity reported for the said account in XX/XX/XXXX for XXXX while there was an OK status for the 2 others. The XXXX credit report is showing 150 days past due on XX/XX/XXXX and charged off for XX/XX/XXXX however both XXXX and XXXX are only showing 120 days past due on XX/XX/XXXX. The company also fails to identify if the account was paid in these reports.
Product: Debt collection

I am a vicitm of identity theft. On XX/XX/XXXX NCC Business Services received my DEBT VALIDATION REQUEST. I respectfully requested them provide me with competent evidence that I have any legal obligation with them. At that time, I also informed that reporting invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), might constitute fraud under both federal and state laws. I did not receive any validation for that debt. 

There two accounts being reported as mine are the following : 1.  1. NCC BUSINESS SERVICES, acc # XXXX. Opened Date XX/XX/XXXX, Balance {$750.00}, High Balance {$750.00}. 
2. NCC BUSINESS SERVICES, acc # XXXX Opened Date XX/XX/XXXX, Balance {$140.00}, High Balance {$140.00}. 

Please help me solve this issue, since they are commiting a Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Product: Money transfer, virtual currency, or money service

Paypal is not safe as it says it should be. I have a transaction amount of {$23.00} dollars and {$20.00} dollars. I try to reach out to them to file for fraud, was unreachable. I had to rely on help center which was a confusing site for me to file for fraud. I wanted my account to be safe and locked. No options were there as well. I want assistance via phone but they can not help at this time thats what they say when u call me. Im afraid of having my account getting hack, getting my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion, XXXX, and XXXX regarding fraudulent accounts reporting on my credit in XX/XX/2022. I sent them a letter with an affidavit and my identification. It's now been over 60 days and I haven't received anything. There has been no removal of the accounts.
Product: Debt collection

Capitol One Credit card company took over my walmart credit card that was through XXXX XXXX. I reviewed my first statement from Capitol one and I found there is a discrepancy on my balances on the statement. I used the card with a promotion of no interest for 6-12 or 18 months. So under my promotional balance it shows I owe {$780.00} but in the new balance field it shows {$910.00}. I called Capitol One and was on the phone for over an hour trying to get a reason for the discrepancy. I was on hold for long periods of time and then after all that time I was told I had to call XXXX XXXX because Capitol One could not see my previous statements so they would have to fix it. I called XXXX XXXX and was on with them for over a half hour and was told they no longer have access to my account I have to call Capitol One. I then called Capitol One and was on for 1 1/2 hours and was finally transferred to a Manager. The manager was very rude and disconnected me or hung up on me. I am not able to get anywhere with them on resolving this issue. I have never had an interest charge to my account and always paid on time. I have not made any charges on this account since XX/XX/2019. I want to know where they are getting the {$120.00} extra that I owe. I have no problem paying it if I can get proof I owe it. I want to file a complaint for Capitol One trying to get more money from me than I owe and no willing to find out why there is a discrepancy of {$120.00} when my statement shows perfectly well the balances do not match. I asked both representatives from Capitol One to file a dispute for me and have my account audited and they both refused to do so. I will not pay the difference of {$120.00} when I don't have an explanation on why it happened and proof.
Product: Debt collection

Since LVNV FUNDING owns said debts. Please send proof that a 1099 was sent or not from the original creditors. Please provide to me that LVNV FUNDING is licensed to collect in the state of Pennsylvania and also the UCC and USC codes stating that you can collect on said debt in Pennsylvania and provide the agreement and my wet signature between us and any documents stating that an arbitration was done.
Product: Credit reporting or other personal consumer reports

I dot not recognize the address below, can please remove this off my report. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX HOPE YOU HAVE A GREAT DAY. 

THANKS
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate XXXX late payment reported by XXXX XXXX on my credit report for XX/XX/XXXX. This error has negatively impacted my credit score. Despite providing evidence of timely payments and requesting correction, the erroneous delinquency remains. The payments made were {$3500.00} on XX/XX/XXXX for XXXX, {$3500.00} on XX/XX/XXXX for XXXX, {$880.00} on XX/XX/XXXX toward XXXX, {$880.00} on XX/XX/XXXX toward XXXX, and {$1700.00} on XX/XX/XXXX to balance out XXXX 's amount due. Not only did I pay XXXX on time, I called to bring the account current in XXXX, but XXXX Mortgage did not initiate the payment. I had to call back in XXXX to request again that the payment be made. I request your office to investigate and take appropriate action to correct my credit report. Thank you for your assistance.
Product: Checking or savings account

In early XX/XX/2023 I noticed my account had a note saying " Your account is Restricted '' I called immediately to find out why but the agents on the phone kept saying I have to wait until it was investigated. I made several dozen calls and same answers. They promissed that a note was being made on my account that I was calling to resolve the issue. 

A specific name of a person was given to me but only first name XXXX was assigned to my case. They said they will e-mail him so he can get in touch with me. He never did and its now 8 months. 

I need help resolving this issued. I keep getting the run around and time is going by very quickly with no resolve.
Product: Checking or savings account

Called Bank of America on XX/XX/23 to report fraud. They will not close the account and even sent a statement to the fraudulent address
Product: Debt collection

On XX/XX/XXXX, I applied for a job with Glasser & Glasser P.L.C- I submitted a credit check for employment purposes only. I was offered a job with the company making {$14.00} hr. On XX/XX/XXXX, I sent the background form for Glasser & Glasser P.L.C to only use for employment. After running the background, on XX/XX/XXXX, I was sent a collection notice from Glasser & Glasser P.L.C as a collection notice for XXXX XXXX XXXX, ( that I had at a different address ) sent to the address I applied for the job at Glasser & Glasser P.L.C with. On XX/XX/XXXX, I sent a certified letter to cease all communications in regards to the above style case. Returned green card was returned as proof of their receiving it. Thirty days later, XXXX XXXX XXXX, from Glasser and Glasser P.L.C mails me, at the address provided for employment, not the alleged debt address, a letter and copies of statements from Capital One, violating the Fair Debt Collection Act 804 subsection C in regards- ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
On XX/XX/XXXX, I received ( again to the address given for employment purposes ) A Warrant in Debt, filed by Glasser & Glasser P.L.C in General District Court of XXXX XXXX, Virginia. Hearing set for XX/XX/XXXX at XXXX. 
Attempted to settle any alleged debt with the original creditor is referred to the third party collections of Glasser & Glasser P.L.C who illegally obtained this alleged debt in the purpose of offering me a job with them. No other notice was sent to me prior to filing my background report for the purpose of employment. To me this is a ponzi scheme, as the offer for employment was rescinded by Glasser & Glasser P.L.C. I feel this is a illegal way to obtain a alleged debt, by falsely offer employment then take it away when they obtain a debt on your credit report. And violating the Fair Debt Collection Act in so many ways.
Product: Credit card

I ordered XXXX  large outdoor solar lights to put around my barn on XX/XX/XXXX from a company called XXXX XXXX  XXXX. The charge in the amount of {$290.00} showed up on my credit card statement on XX/XX/XXXX. The number that showed up appeared to be a Nevada number, but I thought the lights were coming out of Utah. A month went by and I hadn't received the lights, so I called the company several times to inquire on a delivery date but could never get through. I finally was able to talk to a human in about XXXX and they said they wouldn't deliver the lights until I gave them a drivers license number or a green card number. No vendor had ever asked me for that information before and it raised a lot of red flags. I didn't give them my drivers license number and they refused to send the lights in spite of the fact I'd already paid for them. I alerted Elan Financial Services of this issue and on XX/XX/XXXX, XXXX reversed the charge and requested a dispute form, which I faxed to them on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX saying they had talked to XXXX XXXX  XXXX and were provided with a tracking number for the package that proved there was a delivery on XX/XX/XXXX, so the charge was reapplied to my card. Yes indeed, we did get a package from XXXX XXXX  XXXX from a Michigan address, but it was a XXXX '' X XXXX '' box. Not only was it empty, but there's no way ( XXXX ) XXXX long outdoor solar lights would have fit into that box. I contacted XXXX again and they asked me to file another dispute with photos of the box and tracking number, which I did and faxed to them on XX/XX/XXXX. Months go by and I never heard back from XXXX. I call them and they say they've been trying to call me, but they were calling a land line that had been disconnected over XXXX  years ago. Then they tell me that the deadline to resolve the dispute was XX/XX/XXXX, even though they requested more info from me on XX/XX/XXXX. I've been a loyal customer in good standing with this credit card company for over XXXX  years so I thought they might make an exception, but they wouldn't budge. They wouldn't take the charge off even though I proved my case with the evidence they requested. They closed the case and I'm still stuck with the charge for lights I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  today XXXX XXXX I spoke with an representative. I mention to him my rights under USC 1692 stating that I did not owe debt on my collection account. I also mentioned that this information was false and it was not my debt. The Representative pulled up my account and stated to me that the debt was verified as being mine. I mention to him according to USC1602a that I was an administering agent of my credit card ( SocialSecurity Card ) and that I do not own any debt attached to it. I also have to return this SS card at the SS Administration request.I mention to the representative to lookup USC18 A it will provide him the information I was giving him. He mention that the debt was verified. I mentioned to him that according to USC15 1681e to investigate a debt or verify they needed to do an investigation. They, never have investigated with any neighbors, friends and associates of mine the consumer. At this point he told me to hold on the phone i waited on the phone And he never returned. The phone went to another representative, and I explained the same to this respresentative he was very hostile towards me telling me that the debt was mine and thats why its on my report. I stated to him according to Usc1681b ( a ) According to written instructions, that I never gave Experian any written permission to furnish any information on my credit file. This agent placed me on hold then the called was dropped.
Product: Credit card

I have advised Capital One multiple times that my 2 cards were transferred to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, CA XXXX ), effective XX/XX/year>. In spite of multiple notifications, Capital One continues to call and email me instead of working with XXXX. Now Capital One is threatening me via email and phone calls for write off and legal action instead of working with and cooperating with XXXX. Please direct Capital One to cease contacting me and work with XXXX as directed effective XX/XX/year>.
Product: Student loan

online it shoes navient is allowing for private studne tloan cancellatiin for school misconduct and navient declined to send me an application. twice.