23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXXXXXX 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 have many negative accounts thats not mines.I suffer from XXXX i was in an XXXX XXXX in my family since my XXXX  was XXXX in front of me I fell apart. Someone took advantage of me.XXXX XXXXl , XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX collectrions, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX , XXXX XXXX, XXXX XXXX , several repeated collection account i dont have any negative credit. it looks like woman stuff im a man. all these acconts are not mines.
Product: Student loan

My loans were recently transferred from XXXX to Aidvantage. XXXX had been sending a monthly account statement for my account. Aidvantage did not send the following monthly account statement ( XX/XX/XXXX ) as scheduled once they took over as servicer, so I contacted them. 

They insisted the monthly statement had been sent to my inbox as scheduled. When I confirmed it had not, with a screenshot as proof, they offered to send one by mail, but insisted that monthly statements are sent automatically and that I should receive the next one ( XX/XX/XXXX ) in my inbox as scheduled. 

I asked for an explanation or investigation as to how the previous statement was missed, so I don't continue to miss statements and have to retroactively request them each month. Initially, the aidvantage rep simply stated " ... there seems no reason why the XXXX statement will not be sent as scheduled. '' I had to clarify that Reg Z requires that periodic statements be sent before the rep conceded that they would " submit a request to our IT dept to research this matter '' and disconnected me from the chat without providing any information as to how I would be informed of the findings of their " IT '' investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Per my rights under the FCRA, please provide the contact information for the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, 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, states, a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed hard inquires on my Equifax credit report that were inaccurate. I called Equifax on the XXXX and spoke to an agent named XXXX ( agent number XXXX ) and explained to her that these inquires were inaccurate because I never authorized them. She said told me that there was nothing she could do about it. I sent a letter to Equifax and have yet to get the problem resolved.
Product: Debt collection

My fiance and I ( XXXX XXXX ) were living in the XXXX XXXX XXXX XXXX, XXXX CT. The XXXX materially and repeatedly breached its obligations to us under our lease, which caused us to terminate the lease and move out of the apartment. The XXXX then sent our debt into collections with Rent Recovery Solutions, during this time we notified The XXXX that they and Rent Recovery Solutions were only permitted to contact us via formal writing. Rent Recovery Solutions ( RRS ) attempted to contact us by phone, which we made aware was inappropriate. We received a letter of collection from RRS and responded within 30 days that " As your client, XXXX and XXXX XXXX " XXXX '' XXXX, has been repeatedly advised in writing, the entire amount of their claim is disputed and will not be paid. XXXX materially and repeatedly breached its obligations to us under our lease, which caused us to terminate the lease and move out of the apartment. '' Our credit scores have been flagged by RRS and we dispute all amounts due. It should be noted that RRS is not listed as a XXXX Agency with the XXXX as of XXXX XXXX. We have told both parties that we are being represented by a lawyer and are disputing all charges.
Product: Vehicle loan or lease

In the year XXXX I got XXXX  and I could not make my car payments to Wells Fargo if I remember correctly it was 3 to 4 months they took my car away when trying to get the amount of XXXX to XXXX they told us that after a date limit they gave us 10 extra days when we had the money Wells Fargo took our car to XXXX XXXX we live in XXXX we complained because if they had given us the extra days they didn't care we had to get an XXXX there since we didn't have a car, this happened He never let me enter my account again to check if the payments were up to what I owed after that in XX/XX/XXXX I got sick again with XXXX  and they took my car again for one or two months that I did not pay after That for a month or two that I did not give or pay what I could, they took it from me and charged me more than a XXXX dollars when I owed XXXX, I even preferred to lose it.
Product: Credit card or prepaid card

Capital one credit card was fraudulently opened Has fraudulent current charges Ive written numerous letters Capital one refuses to delete from my credit report Ive also contacted all three credit rules XXXX XXXX and XXXX Count was fraudulently open online I am a victim of identity theft and there is a extended fraud on my account
Product: Checking or savings account

My elderly parents had numerous accounts through which they conducted banking. My mother managed all of these accounts. As her health failed, I began assisting in paying bills. My mother died suddenly, and my father knew nothing about online banking and my mother 's passwords were unknown. My father attempted to add me to his Capital Bank ( now XXXX XXXX  ) account, but didn't know the security information and the nearest branch was hundreds of miles from his home. I attempted to have the required documents for adding me sent to my father, but they refused because he didn't know the answers to security questions that my mother had made and, again, told him he would have to drive 200 miles to XXXX to add me in person. With neither of us having access to the account, we had no way of knowing what bills my mother had paid through the account or the account balance. Unsurprisingly, my father had his home and auto insurance cancelled for non-payment and received a letter from First Horizon demanding {$430.00}, nearly all of which was overdraft fees. He is XXXX, has no internet access, and has trouble with financial transactions more complex than using a debit card. I live 500 miles from him and have arranged autopay for all his bills, but I believe that XXXX XXXX took advantage of my father.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX Date opened XX/XX/XXXX  Balance {$0.00}. Please delete ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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

I went to the Bank of America ( BoA ) branch XXXX XXXX XXXX, NY on Friday XXXX XXXX, 2015 to pay my credit card bill in person with the payment coupon provided by BoA for a bill due Tuesday XXXX XXXX, 2015. The teller misapplied my payment to another account. I called BoA to fix the error on Monday XXXX XXXX, 2015 and I was told by the BoA representative that BoA would charge me interest for 7-10 business days after which time they would retract the interest from my next bill and apply my payment. 

I pay my bill in full every month and have had this card for 25 years. My payments that day ( I made XXXX cash payments to the same account ), if properly applied, would be for the full billing amount - no interest would be paid to BoA. I am unhappy that BoA misapplied my payment even though my payment coupon was printed for the proper account and that they are charging my account interest that they otherwise would not be able to ( by misapplying my payment to another account they prevented me from paying off said account in full ). Their solution to allow the interest to accrue and then take it off my next statement is unacceptable. By delaying the transfer of my payment to the proper account for 7-10 business days they hurt my credit and fraudulently charge me interest that they are not entitled to. 

When I asked the representative for a reference number for this transaction ( moving the payment to the proper account ) I was informed that BoA offers no such reference. I asked her for her name so I could have some verification that I discovered and reported to BoA the error in applying my payment and she would only give her initials. By refusing to provide me with verification for my request to fix BoA 's error, and only providing me with the initials of the representative after I pressed her for some type of verification, BoA gives the appearance of trying to set up the customer to suffer further errors ( BoA can always say they never got my call to fix their error, for instance ) in order to charge consumers more interest fraudulently. Applying my payment to the proper account should be made the same day I reported the error, especially as I found and reported the error in advance of the the bill 's due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX XXXX  alerting me that I voluntarily closed my Toyota Financial account. I just simply paid off my loan. Considering that there is an existing investigation with Toyota, I should not have a closed account. If anything, the account should say PAID IN FULL. My XXXX Credit score decreased by 58 points due to this error. I have been paying this loan for a little over 6 years and am very aware that if I voluntarily have Toyota Financial to close the account, I lose Credit length and perks due to paying a loan in full. This needs to be put back on my report. Removal of this from my report is a derogatory mark. It makes no sense considering that I still have an open dispute on an account that has an open dispute. I called yesterday and the rep said that maybe the credit bureau removed it, because Toyota has not yet reported. Reporting happens at the beginning of the month, according to the representative. I do have my title but I never voluntarily agreed to having a closed account and derogatory mark on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted   XXXX   XXXX   to set up an arrangement for my account. After speaking to multiple people I finally reached the credit department and they agreed to set me up on a payment plan for  XXXX  a month. I have yet to receive a letter so therefore I called to check the status. I spoke to a young lady that told me that my invoice would reflect  XXXX  and that is the statement that I would be responsible for. I made the payment of  XXXX  but they debited my account for  XXXX , which the funds for that was not available for. In addition to the unauthorized payment, they place a 30 day late on my credit report. I have never been late paying them in addition, they totally confused me with the debit out of my account. I request to have my payment of  XXXX  removed and the 30 day late mark removed as well.
Product: Mortgage

I feel I was a victim of illegal practices by XXXX XXXX XXXX during the time of XX/XX/XXXX to XX/XX/XXXX. As I understand it this case has since closed and I am upset because I am just getting the claim

paperwork. I want to know if there are any unclaimed monies that I might be eligible for since I feel was a victim of this illegal practice. I was in loss mitigation over a year and never got any assistance, meanwhile my mortgage continued to escalate and add up. I realize you need particular I formation regarding fees and fines & overages I may have been charged and will do my best to provide this documentation. I just want to know if I can still file a claim and if I was due a refund.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution procer was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 26 financial loss, and I seek appropriate redress for these violations.
Product: Consumer Loan

I never took out a loan for Cash Net Usa and they began taking money out of my account. I never applied for one at Cash Net. Ever. I read the reviews and I can see others have had this happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I filed a dispute with Experian and XXXX credit bureau about the unverified accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX  account number XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved for FCRA non-compliance and because I have not received a response from this company about these 2 unverified accounts as of today Which is a violation of the Fair Credit Reporting Act. These collection agencies are supposed to notify me of their investigation results within 30 days.. Thank you
Product: Debt collection

I XXXX XXXX XXXX have been receiving debt collection letters for over a year now for a property that was awarded to my EX-WIFE in the divorce. she let it become repossessed and is refusing to pay the debt for the property which has now gone to collections. Since it was her as awarded by a judge in the divorce proceedings the debt is hers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- {$2700.00} Wrong information do not know this account fraudulent XXXX XXXX XXXX - {$340.00} Fraudulent account XXXX XXXX  - XXXX Fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I visited XXXX XXXX in XXXX Florida located at XXXX XXXX XXXX XXXX. When I arrived I had a pre-approval from XXXX XXXX for a car loan. The dealership and I discussed the purchase of a vehicle. Once an agreement was reached the dealership asked me to complete a credit application, " I did so ''. The dealership came back with a response from XXXX XXXX and I declined the offer. Once I left the dealership I discovered via email, the dealership had shared my information with 5 lenders and each of those lenders pulled credit reports. The reports obtained were without my consent or my knowledge. XXXX XXXX was the only credit report I authorized. As a result, I have taken several credit hits which will remain a negative mark for years, and I would like them removed. I believe these unauthorized credit inquiries were a violation of the FCRA. XXXX, XXXX, and Experian must remove these credit inquiries placed on my credit report on XX/XX/2022. I will take legal action using XXXX XXXX XXXX XXXX if these 5 inquiries are not removed immidiately.
Product: Credit card

I paid the balance due on my XXXX Credit Card back in XXXX and they are still showing an outstanding balance with interest. My XXXX XXXX is taking a huge hit with this on it. 

I work for a bank and this looks very bad on my credit report.
Product: Student loan

To Whom it May Concern : I have been a customer of XXXX XXXX then Navient for about ten years. I have always made my monthly payments. This month ( XXXX ) was extremely hard on me financially. I called Navient and asked if I could have a forbearance just for XXXX. I will be able to pay XXXX. As stated before I have paid monthly since I acquired the loan. I was told there is a {$100.00} forbearance fee. My loan payment is about {$170.00} a month. If I ca n't afford {$170.00} why would I be able to pay {$100.00}. I have federal student loans and have never been charged a fee. They stated that this fee will be applied toward my loan. I do not have the monthly payment and I do not have {$100.00}. I find it unfortunate that a company that I have had a good relationship with for ten years is unwilling to Assist me.
Product: Mortgage

I started my mortgage on XX/XX/2012. Before I made my first payment, Wells Fargo purchased the loan. I have made all of my payments on time to Wells Fargo ever since. 

I would like to cancel my PMI. I have met the requirements that I have the loan for 5 years and have no late payments. It is my understanding from your site ( https : //www.consumerfinance.govXXXX ) that I have a right to request my PMI be removed when I pay the mortgage down to 80 % principal remaining on the lower of the purchase price or the appraised price ( they were the same in my case ). Wells Fargo insists that I must reduce the value to 78 % of my principal to price ratio. I spoke with Wells Fargo 's mortgage servicing department in XX/XX/XXXX and was told this. I asked to speak to a supervisor and was told I would receive a call within a few days. I did not receive that call. I went to my local branch in XXXX, FL today and the bankers there called the mortgage department. They were told that I had to get the ratio to 78 % and I had no right to seek removal at 80 %. I spoke to XXXX XXXX and her manager.
Product: Credit card or prepaid card

Last year I applied for an received a Capital One Quicksilver credit card. It featured an interest free period and other features. 

I paid my balance in full and on time every month. 

When the interest free period expired, I was hit with an interest charge, although the statement balance, as usual, was paid in full BEFORE the due date. 

The CSR told me that I would be charged interest on my balance for two consecutive  months after the interest free period ended regardless of whether I paid the balance in full or not. 

WHAT??? 

Apparently this ripoff is buried somewhere in their fine print. 

I have always been under the impression that if you pay your statement balance in full every month, you will not be charged interest, since there is nothing to charge interest on! 

I question the legality of this policy. It should NOT be allowed. 

I cancelled my Capital One card, paid the balance in full and closed the account. Good riddance. 

As far as Capital One is concerned, I PREFER TO REMAIN ANONYMOUS. I do not trust Capital One and would be concerned about retribution. My complaint is rather generic, so there is no need for them to associate it with a particular account. 

If the bureau would like the account number of this Quicksilver card, I will be glad to provide it confidentially.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Bureausbut they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below are the accounts that are reporting on my Credit Reports : 1. MIDLAND FUNDING XXXXX Opened XXXX XXXX, 2016 Balance {$2400.00} ; 2. MIDLAND FUNDING XXXX Opened XXXX. XXXX, 2016 Balance {$1500.00} ;
Product: Checking or savings account

I walked into the US Bank Branch located at XXXX XXXX XXXX XXXX XXXX CA XXXX and requested to open a checking account. The banking representative was a XXXX female named XXXX. I am XXXX XXXX and XXXX stated, " We typically do not allow XXXX to open checking accounts at US Bank. '' I couldn't believe what I was hearing from this woman! My family and I immediately walked out of this banking location. We were being discriminated against because we are XXXX!
Product: Debt collection

I was incarcerated when the accounts that are showing on my credit report were open I was in the XXXX and I have sent this documentation to all the creditors and still nothing has been removed, I cant open any type of accounts while incarcerated.
Product: Debt collection

I do not owe these people yet they have tried to get money from me that is not owed to them. They have taken me to court XX/XX/XXXX and are still trying to get what is not owed to them. XX/XX/XXXX they tried to garnish my pay in which I no longer work at the establishment. On XX/XX/XXXX they assumed that I worked at another company and decided to send them garnishment papers in which I no longer work there either.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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

There are some accounts on my credit report that I do not recognize