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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Mortgage

I am having issues with mt mortgage company doing their job. So, the last two payments I submitted were not applied to my mortgage. On XX/XX/XXXX, I called Flagstar Bank and spoke with XXXX to ask why my last payment wasn't applied after seeing my mortgage statement with payment recorded on statement as Unapplied. She didn't know why but she did make a request to apply the payment to my account. Today when reviewing my bank transactions, I noticed that Flagstar Bank had returned my last payment for the month of XX/XX/XXXX. I called them today at XXXX XXXX  est and spoke with XXXX. He was no help and stated that I did not pay my last mortgage payment. I explained to him that Flagstar returned my money. He was argumentative and said he could no longer speak to me after I said I was filing a federal complaint. This is two months in a row and now they just refused my last payment. What is going on at this Bank? 

I fully believe that Flagstar Bank is retaliating for me filing a federal complaint last year on XX/XX/XXXX. I am extremely upset and believe this is just another way for the bank to take my home away. I am a military veteran, currently injured, and deserve better treatment than this.
Product: Debt collection

Company is trying exacerbate the amount of debt I owe. Claiming I owe over {$300.00} in interest on a {$160.00} balance of a card that is not even 6 months old. I offered to pay the balance of the card of {$160.00} and they still want me to pay ridiculous amounts of interest.
Product: Debt collection

I received a letter in the mail by this company on XX/XX/XXXX telling me I own money on a credit card debt. I did not know this company or what this was for. So, I sent out a debt validation letter not verification, validation and that was on XX/XX/XXXX and I know they received it because I sent it certified with signature USPS and got the signature back that someone had received it on the XXXX of XX/XX/XXXX. I did not get a response back with in the 30 days I was asking for. So, I sent another Letter a non-response letter on XX/XX/XXXX. I also know they received the letter because I sent that certified with signature USPS also and they received. So now its XX/XX/XXXX and I finally get something in the mail from them that looks to be old credit card statements and nothing else. How can this be proper validation? This is ridiculous I have waited over 107 days to hear back from this company. I have now sent out three letters with no progress from them to help me resolve this debt that I may owe, and they are reporting on my credit report.
Product: Credit card or prepaid card

I applied for a PayPal credit account on XX/XX/XXXX. I received a denial from Synchrony Bank dated XX/XX/XXXX, reason for denial : PayPal Credit Account not paid as agreed. On XX/XX/XXXX, I mailed a priority letter to Synchrony requesting the account not paid as agreed. I have attached letter from Synchrony a bank dated XX/XX/XXXX, my letter dated XX/XX/XXXX, copy of USPS mailing. 

I am again requesting the PayPal account from Synchrony. I have attached copies of my letter dated XX/XX/XXXX and USPS confirmation showing letter was delivered and picked up on XX/XX/XXXX. 

Thank you for any assistance you can provide in this matter.
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX a BARCLAYS BANK DELAWARE account # XXXX on my report well over ten times online. Every time I dispute this account it comes back as I have disputed it before so they will not let me dispute it again. This account is STILL missing all the historical balance data. They have " fixed '' the payment history to match the payment history guide. The problem here is it now shows payment history for XXXX of XXXX but this account was sold to a collector on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was removed from my credit report and placed back on my credit report without notice from the credit bureau. I disputed this account with all 3 agencies and was not sent any validation or verification coming back that this account belongs to me. This account was removed from each agencies. This account was placed back on by profile by Transunioun and XXXX  without notice to me and without validating this debt.
Product: Vehicle loan or lease

Brought a XXXX  ( XXXXXXXX XXXX XXXX XXXXXXXX ) from XXXX on XX/XX/XXXX using XXXX XXXX company " Capital One Auto Finance '', we received the XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX and have had possession of it ever since but we have no title. 
We pay {$610.00} every month to Capitol One Auto Finance and still have never received the title in order to legally tag ' the XXXX so we CAN NOT drive it!! 

We have filed as many complaints against XXXX as we can ; filed with the TXAG, Consumer reports and TXDMV and it is now XX/XX/XXXX ( almost 1yr later ) and still no title. 

After an investigation performed by the TXDMV -Enforcement Division- it was revealed that evidence of violations related to the laws/rules they regulate were observed. My complaint to them has said to have been forwarded to the attorney assigned to this case and he will make the final determination on what disciplinary actions-if any- will be taken. 
Weve never received any communications from any lawyer nor anyone else in this matter and we still have no XXXX title. 
We have had to hire an attorney at XXXX XXXXXXXX to work on this but he's not come up with anything yet either. 

On XX/XX/XXXX TX DMV told me the title was now in XXXX and a new title was issued for the XXXX in XXXX on XX/XX/XXXX! 

Can someone please help us -- this is our XXXX XXXX, weve installed a hay-bale bed on this XXXX  ( so we can not return it ) and we need to feed our cattle hay and drive it legally!
Product: Vehicle loan or lease

On XX/XX/2023 I went to XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX in XXXX, GA after filling out a consumer credit transaction application on their XXXX XXXX website. I was unfairly denied based on my credit score by 4 companies whose name follows : XXXX XXXX, Capital One Auto, XXXX, & XXXX XXXX XXXX. I am fully aware and overstand my rights as a consumer under the Truth In Lending Act 15 USC 1601 as well as my rights pertaining to Federal Reserve Act 16, sections 1 & 2. I did not benefit from this transaction and due to the misleading adverstisement for a down payment & other factors, I have been without a car since then. This has brought great damage to my livelihood, my family and being able to provide transportation for my children.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX there was an advertisement on XXXX from a woman with username XXXX  She was teaching a class about finance. Her website was XXXX. I clicked on her ad and she said the class would cost XXXX. I sent the money to XXXX. After I sent her XXXX she said I needed to pay XXXX  for some mining fee. I sent the remaining to a XXXX. I realized I was being scammed when she kept asking for more money and fees. The website she uses doesn't even work and I was never given any materials to study. She completely lied about her class and scammed me. I reached out to chase fraud department and they did absolutely nothing for me. I been a loyal customer of chase for a very long time. I even paid off an entire mortgage using Chase bank and they dismissed everything. I reported my case to the Texas attorney general after chase wouldn't help me. Next I'll report to the local police department. Please help me get my XXXX back. I was totally scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX are associated with information I am disputing as fraudulent. Will you please remove from my Experian and XXXX report.
Product: Debt collection

The collection agency called my employer and went into detail about the loan i took out, the amount on how much was taken out, the dates, everything. Tried to get my employer to pay the debt. I feel this is an invasion of my privacy.
Product: Credit reporting or other personal consumer reports

Thank you for your attention to my credit report and for removing some of the incorrect information. There are still a few items that need further review and removal. This is my new complaint that I encountered incorrect credit report information and I write to dispute certain items in my file resulting from the problem. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file issues due to erroneous credit report details : XXXX : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX : {$590.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$470.00} ; XXXX XXXX XXXX Balance : {$75.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX : {$370.00} ; XXXX XXXXXX/XX/XXXXXX/XX/XXXX -- -- -- -- -- -- -- XXXX -- -- XXXX EQUIFAX XXXX XXXX Balance : {$650.00} ; XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XX/XX/XXXX*** Balance : {$10.00} ; XXXX XXXX XXXX XXXX : {$75.00} ; XXXX XXXX Balance : {$1900.00} ; XX/XX/XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX ; XXXX & XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- XXXX -- - XXXX : XXXX XX/XX/XXXX XXXX Balance : {$650.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$75.00} XXXX XXXX XXXX XXXX : {$1900.00} ; XX/XX/XXXX ( Original CreditoXX/XX/XXXX XX/XX/XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXX/XX/XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX; XXXX & XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXX/XX/XXXX. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy, and the reported payment history on the accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

the following accounts and inquires aren't related to my profile no knowledge nor do I consent to have this information on my credit file please remove immediately, REMOVE ALL NEGATIVE ITEMS Late Payments ( 15 U.S. Code 1666b ) Charge Off 's ( 15 U.S. Code 1601 ) Repossessions ( 15 U.S. Code 1601 ) Bankruptcy 's ( 15 U.S. Code 1681b ) Collections ( 15 U.S. Code 1692c ) Hard Inquiries ( 15 U.S. Code 1602p XXXX XXXX XXXX Balance {$23000.00} Balance updated XXXX XXXX, XXXXXXXX XXXX Balance {$4100.00} Balance updated XXXX XXXX, XXXXXXXX XXXX Balance {$0.00} Balance updated XXXX XXXX, XXXX XXXX closed account Installment accounts Total balance : {$51000.00} XXXX XXXX Balance {$51000.00} Balance updated XXXX XXXX, XXXX These lenders have accessed your credit file : XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX These lenders have accessed your credit file XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Bank account or service

We moved to a new neighborhood and got a letter from Citizens Bank offering a XXXX dollars direct deposit checking account bonus if we make another any deposit within 45 days after the first opening deposition. 
I went in to a local branch. A rep there helped me to open an account, and enrolled me with an overdraft insurance ( XXXX bucks ) without even telling me, and charged XXXX dollars maintanence fee each month since I did not deposit enough money the XXXX time.Ane he gave me XXXX dollars for opening that account. 
And then I went in a few days later to deposit enough money so I could be waived for XXXX bucks for maintanence. The rep promised me to credit me back that XXXX bucks, and the XXXX bucks after I told him I do n't want that. 
After a few months, I checked my account, and found the XXXX total bucks were never credited back to me. I called the rep, he promised to refund me again. 
Again after a couple of month, I contacted him the XXXX time. He promised to do it again. 
As of today, it has been more than 7 months after I opened that account, and I have never received that XXXX dollar bonus as promised to be credited within 4 months, and I still never got back that XXXX bucks, and I am leaving this area soon, I finally went to talk with that rep face to face. 
He finally credited me that XXXX bucks he should have never charged. But he did not give me that XXXX bucks. The reason he gave me is following after he talked to someone on the phone : The XXXX dollars opening bonus he gave me cancelled out my XXXX bucks bonus!! 

I said why do n't you cancel that XXXX bonus and let me have the XXXX bonus then. He said that is a done deal and he can not change it. 

I clearly showed him the XXXX bonus certificate when I went to open that account!!! 
I guess that is how citizens bank honor their opening bonus. A very disappointing experience from me.I almost lost XXXX bucks instead of getting XXXX. What a joke.
Product: Credit reporting

I have demanded that my credit report information be validated or deleted as they are harming my ability to receive credit and /or causing me to have a poor credit score. I have demanded they update and remove all inquiries per not being authorized to check my credit report, as I only gave authorization to XXXX XXXX auto dealer to check, but they tried to farm it out to XXXX different banks causing XXXX different inquiries which I demanded be removed. I have demanded that they verify a account with XXXX XXXX, verify the alleged amount and the original contract as XXXX XXXX allegedly purchased the account from XXXX. They are also reporting very old information on accounts that were closed years ago. They are refusing to validate the information and accounts and are refusing to delete unverified accounts and causing me great harm in trying to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy 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 card or prepaid card

On XX/XX/2020, I received a refund in the amount of approximately {$7600.00} on my CITI credit card and to date ( one month later ), I have not been able to get my refund. I have contacted Citi AAdvantage multiple times and they told me it will take 3-5 days. As of today, my account is still showing a credit of {$7500.00}. 
Company Information : Citi Cards XXXX XXXX XXXX XXXX, KY XXXX www.citicards.com Customer Service : XXXX
Product: Credit reporting or other personal consumer reports

My information was compromised in at least XXXX data breach. Since then, I have been getting emails from credit lenders about loans that I have not applied for. There are also profiles for XXXX XXXX and XXXX that I have no access to, have not authorized and did not create.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance : {$1500.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information. 

XXXX XXXX Balance : {$0.00} - This account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this. 

XX/XX/XXXXXXXX Balance : {$0.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was going over my credit report and there are several accounts that were closed and written off XXXX and the legal statue of limitation has ran on any legal collection of debt claim very old accounts XXXX XXXX XXXX state that the accounts were opened in XXXX and that is not true at all. That the year they bought the old debt. This agency has some how went into court on a fraudulent Service of summons which they served paper at a home address that in no way is my home address at all. They never contacted me in anyway during the legal debt collection term,
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove and delete the following accounts
Product: Debt collection

On XXXX I received a call from this number at XXXX XXXX  while I was at work. The call was on my cell phone, but still I was at work. The call stated it was a spam risk. Then on XX/XX/2019 at XXXX XXXX  a call from the same number of XXXX came to my cell phone and it was also a spam risk call. I answered the second call and I waited another line rang and the lady stated she was from Financial Corporation of America. I immediately hung up the phone. Please check Financial Corporations response to complain number XXXX. They stated they would not call me or contact me anymore and I have asked them not to and they are still contacting me. Please see attached document.
Product: Credit card or prepaid card

On XX/XX/2022 I used my American Express card at XXXX & XXXX 's XXXX in XXXX, WA. XXXXXXXX XXXX XXXX XXXX  XXXX charges a 3 % service charge on all transactions. The merchant does not disclose this fee before charging the customer. There is no written notice anywhere in the business and no verbal notice. The only notice of the service charge is on the receipt after the transaction is finalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST AND FOREMOST I'VE INFORMED CONSUMER ADJUSTMENT CO. OF THEIR ERRORS AND GAVE THEM THE OPPORTUNITY TO REDRESS THE DAMAGES VIA CERTIFIED XXXX MAIL ( TRACKING # : XXXX ), WHICH WERE IGNORED! IVE NEVER DONE ANY TRANSACTION WITH CONSUMER ADJUSTMENT CO. SO ANY ALLEGATIONS ARE A DIRECT VIOLATION OF MY RIGHTS PURSUANT TO FEDERAL LAW. CONSUMER ADJUSTMENT XXXX HAS NO EVIDENCE OF ANY ALLEGED DEBTS. ITS IMPOSSIBLE! SECONDLY ANY ALLEGED AGREEMENT IS NULL/VOID BECAUSE THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH CLEARLY, CONSPICUOUSLY, OR REASONABLY. THAT MAKES IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY ALLEGATIONS YOU ARE ALLEGING. I NEVER RECEIVED ADEQUATE NOTICE PLUS CONSUMER ADJUSTMENT CO. KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AGGRAVATED IDENTITY THEFT. CONSUMER ADJUSTMENT CO. REPORTING FALSE ALLEGATIONS TO 3RD PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( ONE HUNDRED THOUSAND DOLLARS ), I'VE EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF THEIR INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.