23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The credit bureaus Experian, XXXX, and XXXX are missing some or all of my XXXX credit card accounts and payment histories. They are also missing car loan and mortgage histories. They 've claimed these accounts are not reporting to them or that they are up to date which they are not. It 's not possible that these 4 XXXX, XXXX, and XXXX accounts do n't report to some or all of the XXXX credit bureaus. In fact I 've confirmed that most report to all XXXX. Apparently when credit history is missing they do n't consider that an error like I do. This has damaged my credit. Where my credit should be excellent, according to them it does n't exist or I have no payment history. I will try to include these supporting documents : XXXX Credit cards and ID 's pictures sent to all XXXX bureaus, XXXX XXXX XXXX property whose mortgage is paid in full but does n't appear on any credit report, XXXX. Utility bill showing current address, XXXX. ExperianXXXX, and XXXX Credit Reports, Dispute Forms and Dispute Results, XXXX. XXXX previous letters from credit card companies stating that they are reporting to all XXXX bureaus which I sent to them and they ignored.
Product: Credit reporting or other personal consumer reports

It has come to my attention that the credit Bureaus are not removing files when I sent with an FTC fraud report since it is required by law 605b of the FCRA. If you do not remove the items listed below, which are inaccurately reported due to identity theft, I will forward my documents to my attorney to initiate legal action. I prefer to avoid legal proceedings, so please comply with the law. 
Please remove the following items, as they are fraudulent and were opened without my consent or knowledge : XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UPON REVEIWING MY CREDIT REPORT I NOTICED SEVERAL ACCOUNTS ON MY REPORT THAT I HAVE NO KNOWLEDGE OF. THE LASTEST ACCOUNT FROM A COLLECTION AGENCY I HAD NOT HEARD OF NOR HAVE I HAD ANY WRITTEN INFORMATON FROM THIS COMPANY. EQUIFAX HAS A HISTORY OF BELIVING WHAT'S REPORTED. I HAVE NO KNOWLEDGE OF XXXX XXXX XXXX XXXX I OWE ANYTHING TO REPORTING BY XXXX XXXX.
Product: Student loan

Beginning in 1997 I attended a public university and student loans were an option for financing. Prior to acquiring a XXXX XXXX XXXX degree, the XXXX XXXX Alabama at XXXXXXXX XXXX financial aid office said student loans were easy to repay and the loans had no interest or very low interest rates. I also took out a loan to attend a XXXX degree program at the XXXX  XXXX XXXX and the loan advisor explained that loans would be easy to pay and the most affordable option. 
I currently have loans financed with Great Lakes Loans and/or the US Department of Education, and I think the the Truth-In-Lending Act is not followed by the institutions. The organizations changed interest rates from fixed to variable. If I had known student loans interest rates would be variable, capitalized, and difficult to pay, I would have applied for more scholarships or attended a different program. In my opinion, these changes and proposed changes do not comply with the Truth-in-Lending Act.
Product: Payday loan, title loan, personal loan, or advance loan

I met with XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/23 I agreed to purchase the home food delivery service for {$100.00} per week. It was never disclosed that there would be two lines of credit opened up with Home Acceptance Corporation ( HAC ) under my name and without my consent. I received two billing statements from HAC on XX/XX/23 and this is when I realized two lines of credits were opened up in my name.

( 1 ) HAC Account # : XXXX - {$2900.00} plus interest for 36 months ( 2 ) HAC Account # : XXXX - {$2200.00} for 6 installment payments I reached out to XXXX regarding these two lines of credits opened and explained to him that this was not something I was aware of and did not consent to these terms and conditions. His sale pitch for the product omitted the details of the loans. Loan 1 was for a cookware set that I told him I did not need. He insisted that the price I agreed to pay included the cookware set so it didn't make sense not to take it. He omitted the fact that a loan would be taken out for XXXX with 17.99 % interest for 36 months. I have requested to cancel these loans, but I am being told that I can not cancel because the funds have been issued to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I requested to return the cookware set and return what had not been used.
Product: Credit reporting

I have contacted each credit company to dispute all of the incorrect information on my credit reports. XXXX particular items were fraudulent accounts that were not authorized by me. The items where included in a chapter XXXX however I disputed those prior to the bankruptcy. I dont feel those accounts should be reflecting on my reports. Its hurting my account and its not my debt.
Product: Checking or savings account

I have complained directly to the Bank of Americas customer service department about not being able to deposit my money into the account from a XXXX account which is actually in USD. Their customer service department misled me to believe that running to their branch which is about XXXX miles from where I live would make a difference but it turns out that none of the branch can handle this XXXX. They also claimed that they did not any reason why this happened and did not provide any solutions at all.
Product: Checking or savings account

America First FCU, headquartered in XXXX, UT, has done almost nothing to combat the spread of the coronavirus. While considered an essential business that must remain open during this pandemic time, they have only closed a few of their branches and keep most of the branch lobbies open to all. This is very concerning and does nothing to prevent/slow the coronavirus from spreading. Many other financial institutions have made the ethically right move of only keeping their drive-thru open at branch locations, but closing their lobbies. America First FCU appears adamant on keeping their lobbies open, which puts their employees and their membership in highly increased danger of contracting and further spreading the virus. They do not care if this means people in their organization and in their communities become ill or worse. This is unethical and disreputable.
Product: Credit card or prepaid card

On XX/XX/2022, I received an alert on my credit monitoring stating that Capital One had place a Hard Inquiry on my credit report. I had NOT applied for a credit card. I place a Fraud Alert on my credit report. A couple of days later, Capital One called me and said that someone had submitted a credit card application in my name. I told them it was not me, that it was fraudulent. ( I assume the application would have been approved if not for the fraud alert. ) The customer representative told me the application would be destroyed and that Capital One would remove the Hard Inquiry from my credit reports. They did not! I attempted to have XXXX remove the Hard Inquiry, but they can not. XXXX said I have to contact Capital One. 
On XX/XX/2022, I called Capitol One. The customer representative told me to submit a letter with the details of my request, a copy of the Hard Inquiry on my report and they would remove the Hard Inquiry. I did exactly as she suggested but Capital One did not follow through on the promise. I instead received a form letter implying that the inquiry was a prescreen ( not true ) and how to opt out. I called Capital One again and the customer representative told me to contact the credit bureaus. ( which I had already done ). 
I mailed a second request to Capital One on XX/XX/2022, with my complaints and documentation. Today, XX/XX/2022, I received the identical form letter, with a new case number. 
I am totally frustrated! The Hard Inquiry remains on my credit reports with all 3 bureaus, with a notation that I applied for credit, which I did not. Capital One, apparently could care less, it is obvious they do not even read the letters, I have 2 form responses with 2 different case numbers! The credit bureaus can not remove the Hard Inquiry, since it was Capital One 's error that place the Inquiry on my report.

I my opinion, it is not right that this Inquiry should remain on my report and that Capital One does nothing to address my concerns and correct Capital One 's error. 
To my understanding, The Fair Credit Reporting Act requires Capital One to report accurately and conduct reasonable investigations of disputes. 
I would appreciate any help you can provide with this dispute. If my complaint is not appropriate here, then an alternative would be appreciated.
Product: Money transfer, virtual currency, or money service

In XXXXXXXX XXXX XXXX I was purchasing a car I paid {$4200.00} down to a dealer.I used my Navy Federal Credit Union Account to transfer {$4200.00} usd to another Navy Federal Credit Union Account holder Navy Federal Credit Union failed to help me recover my loses after waiting 3 months after I filled a claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX CRED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Debt collection

Action Collection Services INC. is reporting a collection account ( XXXX XXXX XXXX ) on my XXXX Credit report that is not mine and they are damaging my credit with this. 

I contacted Action Collection Sevices Inc. on XXXX ( attached : original letter to Action, & certified mail delivery ) asking them to send verification of the debt with in 5 days. By law a collection company has to verify any debt the consumer asks to verify.They still have not. They responded with a letter stating they can not locate the account ( attached : Action response letter ) I gave them all information needed to locate said account, obviously they are misreporting information to the credit bureaus and damaging peoples credit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Eviction Reporting on my Trans Union XXXX and XXXX Consumer reports
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 XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint to urge the Credit Bureaus to correct and updtae the disputed accounts from my Credit Report. I am submitting this compkaint addressed to the Credit Bureaus in response to their current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX* Balance Owed : {$2000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00}
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. 
XXXX Account # XXXX, has violated my rights. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports | U.S. Code | US Law | LII / Legal Information Institute.

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. 

Hard Inquiries Unauthorized XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX - XX/XX/2022 2022
Product: Checking or savings account

My name is XXXX XXXX and I had my daughter open a savings account with Goldman Sachs ( marcus.com ). I do not have a phone number so we used her cell number to send SMS authorization codes. This has worked fine for the few years we've had the account opened. I've made numerous transfers to my XXXX XXXX checking account. We then tried to set up another external institution to transfer funds to. The transfer had a problem and my daughter called to find out why. During the conversation, it was disclosed that the phone number tied to my account was hers. At this point in time, they locked my account and I can not access any funds. I have had her call several times and nobody is willing to help. Today we found out they are sending us some sort of affidavit that we need to get notarized. I am in a XXXX  and it is very hard for me to get out and we do not know a notary. I need my funds transferred ASAP and my daughter told them that, but they said they can't do anything. So they have all of my savings locked up at this point for no valid reason. When we signed up for the account, it was never specified that the phone number tied to the account MUST be mine. We went back to look and verified this language is not on the web site. This is some sort of rule they've made up on the fly. Please help me to get my money out of this bank.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : This account XXXX XXXX XXXX XX/XX/2022 IS NOT MINE 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX and XXXX are reporting XXXX XXXX XXXX on my credit files on all three files it shows {$3300.00} updated on XX/XX/2022 date opened XXXX XXXX2022. I have disputed with all three of them to verify and they have returned me answer verified as correct info but when i call the collection company they say its some kind of medical bill 3 years old. i never got any mail from collection company and no documentation showing what is this for. they dont have any detailed bill or date when or who got treatment for what.
Product: Debt collection

Card was paid off and there was no more activity, I asked the company to provide information and statements and they failed to do so.
Product: Checking or savings account

On Saturday XX/XX/XXXX. I walked into a Chase Branch with my mom who received a legal settlement check from her attorney whom Ive known for over 10 years. The amount was {$30000.00}. My mom and I presented our identification to the Bank representative and witnessed us both sign the check which was deposited into my savings account. The purpose of us doing this in person was to make sure the Bank would know everything is legit. The check was also from a Chase account. The Bank rep gave us a receipt saying it would clear on Wednesday XX/XX/XXXX. 

However that did not happen. I contacted Chase and they also verified it would be cleared that day. On XX/XX/XXXX my online profile was restricted due to what they said was a fraud alert when I spoke to customer service. They said they needed verify my identity which seemed weird but okay no problem. Representative said it would be resolved in 24 hours and everything would be okay. Later that day I started to receive emails saying my accounts were restricted and to contact customer service immediately to get it resolved. I called and all they could tell me is my accounts are restricted and chase is closing my accounts in 10 business with no reason provided. 

They said they needed to speak with my mom to verify she was okay with me depositing the check which she did. I found that to be odd because we did this deposit in person at a branch with a bank representative. This has created a very negative experience for me and has impacted both my mom and I financially as we were planning to use some of those funds to help me pay past due rent to my landlord because I was out of work for 6 months and now working again. Ive tried to get this issue resolved with my no help and as a result I may lose my apartment because of Chase. I worked at Chase for 12 years from XXXX until XXXX so I am very disappointed this has happened to me and I am sure countless others. Chase seems to have gotten too big to care about its customers anymore and only focused on Shareholders and stock price valuation. This is not how you treat your customers and this policy needs to be seriously changed.
Product: Checking or savings account

Etrade Morgan Stanley Max-Rate Checking account would not process cash transfers. Would not list verification deposit amounts from external funding accounts in transactions. Placed unauthorized and unidentified {$150.00} hold on available account funds with no explanation for six days. Account was frozen with no access to last remaining {$150.00} from XX/XX/23 to XX/XX/23. Etrade refused any explanation for unauthorized hold on account while no charges were pending. All current transactions were posted and cleared yet unidentified freeze on funds remained for six days.
Product: Credit card or prepaid card

I paid an annual fee for a line of credit to Avant which was issued through XXXX. I have been continuously having my payments declined which are within my available credit. I have calling Avant numerous times and been lied to and hung up on on multiple occasions. The call center attendant told me that they are having this issue with several customers. I have had my car insurance cancelled due to this and have had reinstatement fees added.
Product: Debt collection

In XX/XX/XXXX, I received a letter from Cavalry Portfolio Services claiming that I owe them {$1000.00}. I responded on XX/XX/XXXX with a letter requesting that they validate the debt and they responded on XX/XX/XXXX with printouts of old account statements and a bill of sale from XXXX whom they purchased the original debt from. They did not provide an original signed contract as proof of debt so I sent them another letter on XX/XX/XXXX stating what they sent me did not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation and also this : " In the case of XXXX XXXX XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX  debt collection letter, XXXX  counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).

XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of XXXX at XXXX. Specifically, XXXX  claims that a copy of the consumer credit contract between XXXX  and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.

The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX  after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. '' However, they were still reporting the collection on my credit report and their response, on XX/XX/XXXX and XX/XX/XXXX to the letter I sent them on XX/XX/XXXX was the exact same printouts they sent me on XX/XX/XXXX.