23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In a previous complaint, I requested that Navy Federal CU take an account off of my credit report. Over the last several years, I have notified them on multiple occasions to take me off the account as an authorized user, but somehow it never seems to be processed. So with the CFPB as witness to my request, please notify Navy FCU that I no longer want to be an authorized user on this account, and remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit card

Due to being unable to have ACH payments deducted from my bank account, Capital One closed two accounts I had with them. They are charging me finance charges, raising my minimum payment due to what's now well over {$150.00} each account, late payment fees, refusing to set up a payment plan and continue to report to the credit bureaus that my accounts are past due. Last month I made two good faith payments in the amount of {$10.00} each, they refused to acknowledge the payments when I spoke with them and reiterated, for the third time, that I don't qualify for them to work with me due to payments having been returned. I offered my debit card as an alternative, they refused. I even spoke to a supervisor who refused to help. I began contacting them in XXXX. I am a XXXX XXXX and am struggling financially but that doesn't seem to matter to them.
Product: Credit card

XXXX is currently reporting chargeoffs accounts to the credit bureau ending in XXXX with balance {$1900.00} and account ending in XXXX with balance of {$3900.00} and account ending in XXXX with balance of {$850.00}. These accounts should be reported to the CRA with {$0.00} balance. XXXX are in violation of the FCRA. I had file complaint previously with case XXXX, XXXX and XXXX. XXXX of the accounts are being handled by XXXX XXXX collection agency and the other by XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I do a yearly credit report from the three main reporting agencies ( XXXX, Experian, and XXXX XXXX ) and come to find out, they have allowed third party companies to report on my name with me having know knowledge of any agreement with them, also their have been a data breach that may have compromise my personal information.
Product: Credit reporting or other personal consumer reports

Account was opened under business, company name ( XXXX name ) I stand only as guarantor. Its a business loan so it should not be reported on my credit at all. it is held in company name, title is held in company name. need it removed from my personal credit report as it is negatively affecting my credit score account was setup for ACH for them to pull payments out from business company XXXX account. need missed payment removed from credit report as it is negatively affecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Will Letter was sent to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, in 2022 in an effort to remove late payments from my account. I was sick with XXXX and fell behind due to not working at the time and they did not provide grace and remove late payments.
Product: Debt collection

I received a phone call on XX/XX/2019 from XXXX stating that he was a 'Compliance Officer ' for XXXX County regarding a case number XXXX and said that i needed to contact XXXX to discuss my options. He said that there was an 'Order of location ' out for me and that he would show up to my residence or job and require two forms or identification and I would need to sign the documents. I called XXXX and it was answered XXXX and they said there were trying to collect {$3000.00} out from Ace Cash express. They said that they would send it to court and that I would lose so I need to pay it now. I asked for them to send me verification of the debt and they told me they don't need to. I asked who were they and they told me that I just need to pay right now. She got defensive and told me she is not going to argue with me anymore she is just going to send my account to the judge and she will get her money one way or another. She yelled and screamed at me and harassed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a Dispute to EQUIFAX on XX/XX/2022. I alerted the CFPB, that the Investigation took longer than the Recommended and REQUIRED 30 DAYS ALLOWED by FEDERAL LAW. 

I've Received a Notice from Equifax stating : " We've added a promotional suppression to your Credit File '' Then turns around and relay : " We Can not LOCATE your CREDIT FILE. '' They ARE IN VIOLATION of my FEDERAL RIGHTS as a Consumer. 

15 U.S. Code 1681i - ( B ) - Procedure in case of disputed accuracy 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance
Product: Debt collection

A debt collector called my in-laws looking for me and my wife. I don't know what debt they might be talking about as we are currently making payments on several accounts that went past due. 

The debt collector told my in-laws to have me or my wife call a number. They gave my in-laws the number. When you call the number a recorded voice clearly identifies the number as a debt collection agency location service. The number they gave my in-laws is XXXX. My in-laws called the number and now know we are battling a financial problem and trying to get our debt straightened out. 

We called the company and fixed the problem with our account. We also asked them why they called. They claimed they just called numbers listed on the account. We told them that regardless of the number on the account they shouldn't have provided my in-laws with phone number to a debt collection agency. For example, my kids could answer my cell phone. That doesn't give them freedom to tell my child a debt collector is looking for me. They completely disregarded our concern and demanded payment on the account. 

They removed all 3rd party contact information from our account but before they did we confirmed that they had a hole slew of numbers that our not mine or my wife 's. For example, they had my wife 's ex-husbands number and his mother 's number as contact numbers for us. My wife divorced him over 10 years ago and neither he or his mother are people we associate with positively. In fact, we are in a custody battle with him because I am trying to adopt my step children for which he is the biological father. The last thing we need is them knowing we are also having financial issues. The company would not confirm whether or not they had called any of the numbers we had them remove from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX   only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXXL XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit card or prepaid card

Revolut, a prepaid debit card, offers subaccounts called vaults, where money on deposit with the card can earn interest. In my case, the offer is to earn 3.25 % on balances placed in the vault. Due to defects with the Revolut application, I receive an error when I attempt to create a vault. 

The only way to raise a concern with Revolut is by chat. They do not accept phone calls. A chat regarding this issue was commenced at XXXX on Monday, XX/XX/XXXX. After nearly four days the problem remains unresolved and the multiple employees who have joined the chat have provided ineffective assistance, inconsistent information and overall deceptive guidance. 

Attached is the complete chat log. I have withdrawn all the balance using an ATM, but that left XXXX XXXX  on the card that an ATM machine can not dispense. It is hard to come up with a place that I can spend the XXXX XXXX balance but I will continue to look for that opportunity so that I can get the card back to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES DISPUTED DOES NOT BELONG TO ME. THOSE INQUIRIES WERE ADDED WITHOUT MY KNOWLEDGE AND AUTHORIZATION. PLEASE HAVE THOSE INQUIRIES REMOVED OFF MY CREDIT.
Product: Prepaid card

My account got locked because the company changed the policy and started locking accounts automatically for any transaction over a {$1000.00}. I have not been able to use the account for months. I requested the account to be closed and the funds to be returned to me. After submitting all the requested documents, the company representative gave me 30 day deadline before the check would be issued. It has been over 2 months since and the account remains open and the crooks continue charging me monthly fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, PLEASE SEE THE ATTACHED ITMES I HAVE BEEN SENDING TO THE CREDITORS AND TO THE BUREAUS. I NEVER AUTHORIZED THESE ACCOUNTS TO BE OPENED, I NEVER AUTHORIZED ANY OF THE CHARGES. 

MY PROBLEM IS NOT ONLY I AM VICTIM OF AN IDENTITY THEFT, BUT NOW I AM TRYING TO PROOF THAT THESE ACCOUNTS ARE NOT MINE. I HAVE BEEN PROVIDING MY IDENTITY THEFT REPORT ALONG WITH THE POLICE REPORT, I AM NOT SURE WHAT ELESE TO SEND THEM, I KEEP CALLING THE CREDIT COMPANIES I SENT THE DOCUMENTS THEY NEED TO REMOVE THE ACCOUNTS, AND ITS BEEN OVER A MONTH THE ACCOUNTS ARE STILL ON MY CREDIT REPORT. THE SME DOCUMENTS I SENT TO THE BUREAUS AND THEY NEVER SENT IT TO THE CREDITORS. 

I DONT KNOW WHAT ELSE TO SEND THEM I AM SENDING MY IDENTITY THEFT REPORT AND THE POLICE REPORT. THE ACCOUNTS ARE NOT MINE, THE CHARGES ARE NOT MINE. 

I KNOW THIS IS MY PROBLEM BUT I AM A CONSUMER AND I NEED PEOPLE TO CARE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to update my personal information, they dont even give you a chance to dispute the addresses, names or social security numbers that are not yours. I have over 35 inaccurate pieces of personal information being reported that will not update to my current address or correct previous addresses, including 3 different social security numbers, 7 different names, and 20-25 inaccurate addresses not affiliated with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXXXXXX On XXXX XXXXXXXX they reported I applied for credit. I did not? 
This is the second time they have sent a notice with in 2 months. 
Something is seriously going on? 
My social security number is compromised? 
Please help me find out where these requests are coming from. 
Please have them taken care of Ref : XXXX XXXX This was for car care? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX XXXX XXXX  that are listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX 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: Debt collection

There is a collection on my report which is unknown to me, I do not owe nor was I ever informed of this. Please help
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Accounts are paid and I never received any opt out notice.
Product: Credit card or prepaid card

I accidentally sent my XXXX/Sychrony payment of XXXX to XXXX Card on XX/XX/XXXX. The amount was not due until XX/XX/XXXX. I did not discover my error until XX/XX/XXXX. At that time, I set up an ACH payment on XX/XX/XXXX for my additional purchases plus the last balance of XXXX. These additional payments were not due until XX/XX/XXXX XXXX/Sychrony calculated interest not on the 10 days that the XXXX was past due but on average daily balance daily balance of XXXX. How they calculate that number I can not find out. 
There is a disconnect between in the credit card industry and the consumer. How can I be charged interest on something that is not past due? 
I have since got them to waive the late fee but not the excessive interest charge.
Product: Money transfer, virtual currency, or money service

Ive been a member of cash app who needed a live agent on plenty occasions when things went wrong with my money and could never get anyone and would takes days or even weeks to get response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX XXXX and XXXX XXXX ( Core Logic ) via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I have not gotten any responses from XXXX XXXX ( Core Logic ) or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My XXXX loan are being furnish without my consent I never gave any person consent to report my XXXX loan Department of education XXXX Account # XXXX XXXX XXXX XXXX Clearly States Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

That aggravated Identity Theft 18 USC 1028a because the have possession of my information and they are also using it without consent from the consumer
Product: Credit card or prepaid card

On XX/XX/2020 XXXX XXXX refunded and airline ticket to my Bank Of America credit card for $ {$3800.00}, See attached refund confirmation from XXXX XXXX. As of today XX/XX/2020 almost three weeks after the refund, Bank of America has not refunded my money. I have talked to multiple customer service people at Bank of America and every time I have been told the money would be credited to my account. Last time I was told it will show in my next statement closing of XX/XX/2020 of course they lied. I received the new statement and still the money is not there. Basically Bank Of America Stole the money from me and of course is charging me for all new charges but does not credit the money refunded three weeks ago by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX I have a record of 99 % ; paid on time .for XXXX  years A late payment is reflected on credit bureaus I have copy of the check sent on time by XXXX XXXX XXXX I have a letter from XXXX XXXX  stating the account was paid in full no late payment. I need XXXX auto loan to correct the information of a late payment I was never late I demand from XXXX XXXX to report to all credit bureau this correction as soon as possible is affecting my credit report potentially negative
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}. Please remove these accounts as soon as feasible.
Product: Debt collection

Ditech calls repeatedly on my home phone and our cells, even though we have repeatedly asked them NOT to contact us via phone. We are not behind on our mortgage payments. I am tired of the daily harassment!
Product: Credit card or prepaid card

This concerns interest charges that are being applied to my account, and which contradict the advertised interest rate ( i.e. no interest ) for which I was qualified and for which I was approved at the time the device was purchased using the XXXX Card credit card. Below is a summary timeline of the transaction. 

XX/XX/2020 : I purchase the XXXX XXXX XXXX  from the XXXX XXXX at XXXX using the XXXX Card, and opted for the 24-month installment credit option. 
XX/XX/2020 : I contacted XXXX  to obtain support because the phone would not successfully complete the second SIM card set up. XXXX  directed me back to XXXX. 
XX/XX/2020 : After unsuccessfully trying to configure the device at the XXXX retail store, I returned to XXXX to request a refund as I was frustrated. At that point, the manager directed an associate to switch out the hardware. 
The XXXX  associate refunded the original transaction, and then completed a new sales transaction using my XXXX  Card details. 
The new hardware worked as expected. Since those transactions were completed, it has come to my attention that my Apple Card account is charging interest, and it is not on the 24-month interest-free installment plan that I thought I was getting. 

All indications suggest that the XXXX sales associate who processed the return on XX/XX/XXXX, did not set up my purchase the way the original purchase was done, thus causing my account to be subjected to interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reported a theft with my former bank account and it was identified that 4 people had deposited 4 checks into a XXXX XXXX account ( totaling {$40000.00} ) that were written from my account. The Bank Account I had at the time was Synchrony Bank ; I steadfastly worked with them including affidavits of theft and XXXX Police reports were filled at the time last year. Recently, I learned I was denied for housing due to these reports within my consumers report which I was cleared of such last year. Now, almost a year later, I have a major issue obtaining housing. It seems that victimization of these checks still reside, when they are not to be listed, this false reporting was to be corrected when I submitted these reports last year.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found that Experian is illegally reporting incorrect information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$180.00} Account Name : XXXX XXXX Account Number : XXXX This is a violation of FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 

I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. 

Please send me an updated copy of the credit report showing your compliance with all FCRA and Metro 2 Reporting requirements. 

With Great Sincerity, XXXX XXXX