23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I rented a car from XXXX XX/XX/2016XXXX did not provide a working rental vehicle and refused to swap out the vehicle in an equitable manner. I have executive elite status with XXXX and complained to the manager onsite and the corporate office. To date I have not received any remedy. I filed a dispute with Citibank and they reversed the dispute stating that they needed me to return a signed copy of the dispute. However I never received a document from Citibank to sign. I want the {$120.00} charge from XXXX reversed for failure to provide a working rental vehicle and failure to honor another vehicle in its place.
Product: Debt collection

I received a letter from IC System back in XXXX XXXX, 2015 stating that I have a balance due from XXXX XXXX XXXX. I was shocked and researched the issue with XXXX XXXX XXXX immediately. XXXX XXXX XXXX confirmed with me on the phone and in writing that I did not owe them any balance and the communication from IC System is incorrect. Then, I contacted IC System to explain the situation to them on XXXX XXXX, 2015 and the representative ( XXXX ) advised me to mail them a dispute letter. Then, I did mail IC System two dispute letters. After I sent the dispute letter, I follow-up with IC System three times on the phone on XXXX XXXX, XXXX XXXX and XXXX XXXX, 2015. IC System advised me that the status is pending the response from XXXX XXXX, but they will not report my file to the credit bureaus as they still need to do a investigation. However, I just realized they reported my file to the credit bureaus few days ago without clarified my account with XXXX XXXX XXXX. I called IC System today, XXXX XXXX, 2015 and seeking for help. Their response to me is I am sorry they can not do anything about it, I can dispute that from the credit bureaus if I want to. I believe the whole process make me very frustrated and helpless because of the mistake of a billing.
Product: Mortgage

I applied in XX/XX/XXXX with Key Bank. XX/XX/XXXX before XXXX I was emailed a note saying Denied. Credit is great..so is income, no credit problems. Denied because I put XXXX in key bank in XX/XX/XXXX to use for closing. Bank said denied due to assets ... even though I proved where the money came from ... weeks later still no deniel letter ... spent XXXX on XXXX on on inspection, and XXXX down payment ... which i lost.
Product: Credit reporting, credit repair services, 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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. require the 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$9900.00}
Product: Debt collection

XXXX XXXX XXXX submitted a Move Out Statement of charges upon vacating a leased property. The amount was disputed on XXXX/XXXX/16 and the Property Manager responded that she would investigate and follow up. I sent another message on XXXX/XXXX/16 and did not receive any response. On XXXX/XXXX/16, I received a call from ProCollect Collections due to the outstanding debt amount. The initial dispute was never resolved before the property owner sent to collections.
Product: Credit card

has violated my rights. XXXX Loan 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 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 want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

DENIED CREDIT DUE TO XXXX XXXX, XXXX, AND EXPERIAN CLAIMING I HAVE HIGH RATIO TO BALANCE CREDIT LIMIT AND LENGTH OF CREDIT ACCOUNT OPEN
Product: Mortgage

In XX/XX/2023 I received notice that my mortgage was being transferred from Homepoint to Mr. Cooper ( Nationstar Mortgage dba Mr. Cooper.com ). I was given instructions to set up an online account to access my mortgage via Mr. Cooper. I followed the process as instructed. That process has not worked, and I have not had access to my online mortgage information since XXXX. I have called repeatedly to get the issue resolved and been promised repeatedly that it will be resolved within 48 hours. I have been promised a call back to confirm that it has been resolved but have never received a call back. I have been told repeatedly that the problem has been referred to the " web team '', but this has been going on for months with no resolution. Recently Mr. Cooper failed to make proper escrow payments, resulting in financial penalties for overdue taxes, which they indicated they would cover. Yesterday I received an automated " Happy Birthday '' message from Mr. Cooper, but my birthday is not until XXXX. I suspect they have a corrupted database that has merged my information with another client 's, though I honestly have no idea because I can not get a straight answer from them. I need this issue resolved so that I can manage my mortgage as I work through a divorce. Thank you for any assistance you can provide.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$350.00} & XXXX Date of Inquiry XX/XX/year>
Product: Credit card or prepaid card

Well I have a capital one secure credit card that I open back on XX/XX/2018. Never been late for payments, actually balance from XXXX credit is only XXXX and they closed and RESTRICTED my account for no reason. 
Everytime I call they say they cant provide me with any info as for the current status of restriction on the account but they DONT TELL ME WHY.
Product: Student loan

Loans are on forbearance due to the SAVE court order. Interest is not supposed to be accruing. Nelnet has been adding interest for the entire time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed my credit report today and there is an inquiry listed that I have no idea what it is for and it is not even under my correct name. 

XXXX XXXX via XXXXXXXX XXXX  XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX I have no knowledge of this inquiry and did not authorize it.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : ( XXXX XXXX : XXXX  ) XXXX It's ridiculous this this account is still reporting on my credit file as XXXX and TransUnion have already deleted this inaccurate account. 

I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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: Debt collection

I have called several times trying to solve this account. I filed section 129.21 in XX/XX/2018 I tried working with XXXX  XXXX who refused to help. I just talked to the original debtor last Thursday and was told the collection agency need to contact them about removing my account from the credit bureau. I keep getting the run around.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX credit card has violated my rights. 

1

5 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
Product: Credit card

Yes on XX/XX/year> I was in XXXX XXXX XXXX purchasing a last minute ticket through XXXX. As I was on the phone with a travel agent with XXXX  doing the purchase and as we had discussed all current flight options for that day and I told him which one I picked and he somehow had the wrong flight which had just cleared my XXXX  as we were still on phone then I get instant email of confirmation and I immediately told him this was incorrect and he assured it would be reversed and back on my card. So I still had to purchase the correct ticket as Travel Agent with XXXX assured that the previous charge funds would not instantly go back on but it would after processing ... .And took at that didn't check on it till after sometime had passed by and still noticed that it had not been refunded so I give XXXX a call and after getting through to correct department and addressing the situation then XXXX XXXX go right ahead and issue refund but although the payment and all transactions did process thru XXXX it was split in XXXX payments XXXX  and XXXX XXXX XXXX though my card was only ran once so ultimately XXXX said could only refund part of it and remaining had to process from XXXX XXXX which we have contacted and contacted XXXX  but t to no avail able to reach any XXXX or get a reply back. So I then contacted my card company Current to file a dispute ... .Which they denied and I appealed decision and requested all supporting documents that aided the denial decision ... XXXXThey took weeks also but did finally send me an email stating that I had just transferred money to my card so their could be nothing wrong which is completely wrong because that nothing to with situation of my refund from XXXX... They then stated they were aware of the XXXX separate charges but understood they were all made together at XXXX time showing XXXX merchant as XXXX and the other XXXX as XXXX XXXX but they did not see a refund from either merchant so they could not move further on my dispute ... XXXX also was not correct XXXX  had clearly processed refund and it is shown on transactions on account and the monthly statement so I was not sure how Currents dispute department was not able to view and verify what is clearly in account summary ... .I asked for assistance as a consumer and customer from Current but received nothing less then a quick to know it all and no help at all ....
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting erroneous information on my credit file and i've been fighting with them for several months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have TRIED several times but XXXX Equifax and XXXX are still deciding to report illegal information on my credit file that could be a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

SINCE XX/XX/2015, XXXX XXXX PLACED A SECURITY FREEZE ON OUR CREDIT FILES, AND AS A RESULT CAUSED OUR BK XXXX THUS VIOLATED THE F.C.RA. 15 U.S.C. Section 1681g as well as the Dodd Frank Wall Street Reform & Consumer Protection Act, Title x by not answering the CFPB.GOV PORTAL COMPLIANT CORRECTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received an alert that I have a debt. First of all I dont know where this came from. The address listed on this account isnt mine so how could this debt be for me? I have phone services with XXXX XXXX XXXX, I never had any mobile services with XXXX so I am unaware of this error that your company is reporting inaccurately. I have contacted the Police department and this is being investigated as to where this came from. I have filed an FTC Complaint and I am now forced to take legal actions for accusing me of owing a debt to your company. If this debt isnt removed there will be consequences and fines when we are due to be in court I will be suing for damages that you have caused and the distress on my life and credit file. Your company reported an error on my report. I will forward all records of documents to my lawyer and we will begin the process of taking this court immediately. I asked your company to verify and signatures, documents or any contracts bearing my signature along with the steps your company took to verify this debt. I called an explain that this account didnt belong to me and Im unaware of it and the rep told me I would have to pay no matter what. You cant force a bill on a consumer because the name and the social apprears on the account. I am an identity theft victim and I my files have been leaked in the Equifax credit breach. I believe this may be the reason for this debt. If you continue to place error accounts or information on my credit without doing a thorough 100 % validation that this debt belongs to me then it must be removed by law because youve violated my rights and laws within the FCRA sections 609, 611, 612, 605 and FACTA.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXXXX/XX/year>
Product: Credit card or prepaid card

I have a Capital One credit card and have been an excellent customer, almost always paying my monthly statement in full. I scheduled a full payment of my most recent statement balance of {$5100.00} due XX/XX/2021. After I scheduled the payment, I received a credit of {$19000.00} from a cancellation for a reservation of a cruise. It was posted to my Capital One account on XX/XX/2021, two or three days after the cruise company issued the credit. I attempted to cancel the scheduled payment of {$5100.00}, but the website would not allow me and the payment I had scheduled no longer appeared on my Capital One web page. As of XX/XX/2021, I had a negative balance, in other words a credit of {$18000.00}. And yet, on XX/XX/2021, Capital One deducted {$5100.00} from my checking account for the balance which was obviously no longer due! I spoke with several people at Capital One who told me there essentially was little they could do. They said they could send me a check in three weeks. As a senior citizen, I believe that Capital One thinks of me as a person they can take advantage of, who is an easy mark and may not have the mental capacity to oversee my personal finances. This practice is unconscionable. They were able to deduct {$5100.00} from my checking account in seconds when they already had XXXX of my money and would not allow me to cancel a payment. They should be able to refund the money to me as quickly and should not be allowed to accept payments from anyone if the account has a negative balance larger than the amount due. I am not in the practice of supporting credit card companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Mercedes Financial in reference to my business vehicle reporting on my personal credit And thats not supposed to happen so what you shouldve only been on my business credit the rep at Mercedes financial statXXXX it theres nothing she can do about it and that I need to call the credit bureau which I did and nothing has been done.
Product: Debt collection

Progressive Management and XXXX XXXX XXXX XXXX violated the law by attempting to collect a debt that I should not owe. XXXX XXXX XXXX did not even attempt to bill the Department of Veterans Affairs even though I provided them with written authorization and proof of my insurance. This is violation of Federal code 38 and 17. 

I contacted VA and verified that they never even attempted to bill for service even though I emailed the provider the authorization letter beck in XXXX of 2019 and have proof I did. I am providing VA Care Center reference number XXXX and they can be contacted at XXXX. 

I have written both the 3rd party collection agency and the original provider and have received no response. I wrote the original creditor and Progressive. I disputed the bill and asked for an itemization and received absolutely no response except to have it placed on my credit report. No itemized bill no written response nothing. This is a violation of FCRA Section 623, FCRA Section 611 Part ( A ) ( 1 ), FDCPA Section 809 ( b ) and FTC opinion Letter Cass from XXXX. 

So they have never attempted to bill my insurance even though it was authorized and I went beyond the average effort and provided them with that written authorization. I believe that in doing so they settled with my secondary insurance for more than 20k less than what the VA would have paid so they may have lost over {$20000.00} and are now illegally trying to send me to collection for their mistakes in billing. 

They have ignored legal attempts to get information regarding the bill and yet have placed it on my credit while I was attempting to purchase real property and caused me financial loss. I am seeking legal advice as to what damages I may be able to recover as well.
Product: Debt collection

Upon review of my credit report in XX/XX/2018 it was brought to my attention there was several accounts that reported negatively that needed my attention. A few separate accounts were owned by the same Collection Agency, XXXX XXXX XXXX. There was a total of 5 accounts in all by the same above named agency. I sent a original certified and notorized letter requesting validity on all 5 accounts on XX/XX/2018 to XXXX XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame. I received a response letter stating that one of the 5 inquires would be deleted. The company did so in deletion of the one account but failed to respond in regard to the other 4 accounts mentioned. I reached out to the credit bureaus at this point via certified mail on XX/XX/2018 sending them a copy of the letter provided to the collection agency, to bring the issue to attention and have this resolved and removed properly as stated in the Fair Credit Act Law. At this date and time XX/XX/2018 the Collection agency as well as the Bureau have failed to review and properly delete accounts who have not provided proper proof of validity.
Product: Credit reporting or other personal consumer reports

XXXX was spent farming equifax, typing and creating dispute letters and looking at credit reports. XXXX was spent going back and forth to the post office. XXXX was spent finding errors on my credit reports. XXXX was spent calling Equifax multiple times. XXXX was spent filling out Envelopes. XXXX was spent printing and signing dispute letters. XXXX was spent filling out XXXX certified mail forms. XXXX was spent in line at the post office.
Product: Debt collection

5th third bank is attempting to collect on a debt XXXX XXXX XXXX and reporting negative rating on all XXXX of my credit reports which is against federal law according to the FCRA LAWS