23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My wife and I both have a loan with flagship. We could no longer afford the vehicle my wife was financing and in XX/XX/XXXX we requested Flagship to pick it up. They told us it would be 7 to 10 days. They never picked it up i call to asked when it would be and was told that it would be 4 or 5 months. My hoa will not allow us to park vehicles on the street overnight so we were getting letter from them with threats of tow. So I called Flagship to see if the would allow me to sell the car for them, it would make them more money and it would get the car out of the street. They agreed finally after months to settle the account for XXXX in XXXX and the company that purchased the car sent the XXXX payoff to flagship. The problem is they applied the payment to my account instead of my wifes. I called a make my payment in XXXX and I was told that I did not have a payment due?? I asked why and was told by Flagship they did not know why I wasn't due??? I called the next month and at that time I was told that I did not have a payment due until XXXX??? I then very quickly figured the problem was a misposting. I asked them to correct the misposting for month but it went unfix until XX/XX/XXXX. Once I saw it was corrected I called to make the payment and was told all passed due payment are due or repossession. I have now asked to correct the problem they have made and their response is get an attorney and sue us???????????????? They need to correct the problem and allow me to make payments again.
Product: Credit reporting

CHEXSYSTEMS HAS A VERY LOW SCORE ON ME BUT CAN NOT TELL ME WHY. THEY HAVE NO ADVERSE INFORMATION IN THEIR REPORT, YET WILL NOT RAISE MY SCORE. I HAVE NOT BEEN ABLE TO KEEP A BANK ACCOUNT OPEN FOR SEVERAL YEARS. I NEED YOUR HELP, PLEASE
Product: Credit card or prepaid card

In XXXX of XXXX I submitted a check to PNC Bank for a balance transfer of {$5000.00}. 
I thought the promotion was until XXXX of XXXX, however it ended in XXXX of XXXX. 
The promotion included a 3 % transfer fee which would have been a {$150.00} fee. 

PNC did not notify me that the check was no longer valid because the promotion ended. 
Instead, they transferred the {$5000.00} and charged me a cash advance fee of {$250.00}. 

I was surprised they went ahead and did that without notifying me, and wanted to know why the check was processed if the check/promotion was no longer eligible. I was told that was their policy. 

I was told the fees and interest charges could be " stopped '' if I paid the full balance on the card, but I would still have to pay the {$250.00} fee. Their policy did not allow for any other remedy. 

I advised I would file a complaint, and to close my account and to remove my information from their databases. I was a customer in good standing, excellent credit rating, and never paid a minimum balance and always paid on time.
Product: Credit reporting or other personal consumer reports

Account name : XXXXXXXX XXXX XXXX Account number XXXX Shows balance of {$1100.00}. 

Hi experian team, this account was scheduled to fall off from my report on XX/XX/2024. Kindly verify the attached snip which i have shared which shows fall off date as XX/XX/2024. Further to that i called experian customer service three weeks ago to double verify and they told me it schduled to delete on XX/XX/XXXX th However the account didnt fall off from my report and i see them appearing. when i called the customer service they said its schdueled to delete on XXXX. Hence the request is kindly take a look on the snip i provided which shows clearly as XXXX fall off date and kindly honor what i was told by customer service which is XX/XX/XXXX and delete the entry from my credit report. 

Basically the request is you cant show me something and do something.
Product: Vehicle loan or lease

In XXXX, I drove my XXXX XXXX XXXX XXXX vehicle to the XXXX XXXX dealer in XXXX MD because they said they can help me trade in my vehicle for a new XXXX car of the same model. I was just getting over XXXX and needed most of the work to be done before I got there. As far as I was concerned, it was a trade and the lender was First Investors. Later, after driving my new car, I saw XXXX showing on my credit report. I spoke to someone today who is telling me my XXXX car was auctioned off by the dealer and did not get rolled in to the loan as a trade. I am not sure what shady dealings went on but something obviously is not kosher. I never had a reposession and I am quite sure I would know if my car was impounded. The dealer and First Investors did something shady but now I am told XXXX XXXX has the debt of XXXX and it is showing on my credit report. I demand someone explain what they did but they need to STOP showing it as a reposession because it was not. I drove it there! 
XXXX XXXX in XXXX, MD and First Investors did this shady deal and they need to be held accountable for doing this to innocent people.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX  appears to be opened in my name XX/XX/year>, I am not responsible for this debt. please remove it from my credit report
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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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, credit repair services, or other personal consumer reports

To whom it may concern, Upon reviewing my Credit Report on XX/XX/2022 I noticed that for the month of XX/XX/2022 is reporting to be over 30 days late. 

I contacted the company Ally Financial and spoke with representative XXXX ( the representative would not provide a ID number. 

The representative reviewed my account and confirmed that there is no indication of my account ever being 30 days late. 

The company would not provide any information over the phone and will send a payment transaction via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CALIFORNIA XXXX XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX, MN XXXX Subject : Cease and Desist Notice Regarding Unlawful Reporting Violation of the FCRA Dear Jefferson Capital Systems, I am formally demanding that you cease and desist all collection activities and credit reporting regarding the following accounts, as they are in violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer : Account Number : XXXX Balance : {$560.00} Account Number : XXXX Balance : {$1000.00} These accounts are being reported inaccurately and unlawfully. Under 15 U.S.C. 1681s-2 ( b ) of the FCRA, you are required to conduct a reasonable investigation upon dispute. Furthermore, any furnishing of information that is incomplete, inaccurate, or unverifiable is a violation of the law and must be corrected or deleted. 

Additionally, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding that you cease all collection attempts immediately, including but not limited to phone calls, letters, and reporting to any consumer reporting agencies. Any further attempts to collect or report inaccurate information will be considered willful noncompliance, and I will pursue legal action for statutory damages, attorney fees, and any other remedies available under federal law.

I request written confirmation that you have removed these accounts from all consumer reporting agencies and that you will cease all collection activities. Failure to comply within XXXX  days of receipt of this letter will result in legal action being taken against your company. 

This letter serves as formal notice under the law. Govern yourself accordingly. 

Sincerely, XXXX XXXX
Product: Debt collection

Repeated phone calls throughout the day as well as text messages. My parents are receiving calls that they shouldnt be receiving using my name. They call at least XXXX times a day to my cell phone and at least once to my parents home.
Product: Credit reporting or other personal consumer reports

On XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23, I disputed the completeness and accuracy of this closed account on my consumer credit report and it has come back verified. I do not believe XXXX XXXX properly investigated this account because there are obviously inaccuracies. 

The date open, date closed, the payment status, and the date of last activity are all reporting different information to XXXX and Transunion. There are clearly quite a few inaccuracies that are being reported to the different credit reporting agencies. My consumer credit report is an indication of the discrepancies. 

XXXX XXXX was also contacted and still has failed to properly conduct an investigation and correct their errors. Based on 15 usc 1681i paragraph ( 5 ), it states that any information that is disputed by a consumer that is found to be inaccurate or incomplete or can not be verified that the consumer reporting agency shall promptly delete. Therefore, my question is this, clearly I have pointed out several inaccuracies on this one account reporting to the credit reporting agencies, so why havent this account been deleted from my credit report when XXXX XXXX has willfully violated the FCRA? This matter has been brought to  XXXX XXXX attention regarding the various inaccuracies on several occasions especially since I have been disputing the accuracy of this account for the past several months which I have a copy of every single letter to prove it along with the letters from the bureaus stating the account has been verified which I cant see how an account has been verified as accurate with so many discrepancies being reported for the same account to different credit reporting agencies. 

Lets also take into consideration the date of last activity which is also among the several different discrepancies that is being reported from this one account. One bureau is reporting one date and another bureau is reporting a totally different date. This is a manipulation of the statue of limitations since I can not tell when this account is supposed to fall off my consumer credit report. This is a clear indication that the credit reporting agency was provided with different information on one account. This type of inaccuracy is causing me severe stress and is a financial misrepresentation. 

I am requesting that the account be removed completely from my credit report due to the inaccuracy and violation of my consumer rights under the FCRA .I believe that addressing these issues promptly is crucial to maintaining the integrity of my credit report and ensuring that my financial history is reported accurately. I appreciate your attention to this matter and look forward to a resolution.
Product: Checking or savings account

Savings account holder died in Florida. Executor of estate is not in Florida ( nor on the XXXX XXXX where all TD bank branches are located ). Deceased account holder had a minor savings account of {$58000.00}. TD Bank refuses to allow executor to send original death certificate and authorization of executor by mail. TD Bank insists executor must show up in person ( i.e., fly across the country during a global pandemic ) or hire third party agent to close account and distribute savings.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach, in which my personal information was exposed. As a result of this breach, I am requesting that any fraudulent inquiries opened in my name be blocked and deleted in accordance with my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

Specifically, I request that Experian block and delete : Inquiries : - XXXX - XXXX XXXX XXXX  - XXXX  - Experian Buisness Credit Card These inquires were created as a result of identity theft or unauthorized use of my personal information. I believe this is a direct consequence of the data breach and should be promptly addressed. 
To support my request, I have enclosed the following documentation : A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). A copy of my government-issued identification, Proof of address Any other required documents for verifying my identity and the fraudulent activity. 
Please take the necessary steps to block and delete this fraudulent inquiries associated with identity theft from my credit file. In accordance with the FCRA, I request written confirmation that these actions have been completed and that my credit report has been updated accordingly.
Product: Credit reporting

On  XXXX   XXXX     2017 I subm itted a dispute for  XXXX  unauthorized inquiries on my Equifax credit report. They received the dispute on  XXXX  and completed the request on  XXXX . The request that I submitted included  XXXX  hard inquiries that were not factual and I received the same response for ALL inquires, which was inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it s tates that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a response 6 days after I submitted my dispute, one can assume that there was no investigation into this matter. I plan to purchase a home this year and having this many hard inquiries on my credit report show a sign of financial trouble, when that is not the case. I believe there was a lack of investigation into my original dispute to have these unauthorized inquiries removed being that I did not authorize these companies to pull my credit report. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate and unlawful reporting by SYNVS/FD on my credit report. There are multiple discrepancies in the information provided across the credit reporting agencies. XXXX, XXXX, and XXXX are reporting different " Date Opened, '' " Date Last Active, '' and payment history. Additionally, the high credit and credit limit amounts are inconsistent or missing entirely. Furthermore, SYNVS/FD is not registered to transact business in the state of Texas, as their registration has been forfeited due to inactivity. This non-compliance with Texas business regulations makes them ineligible to report any information to the credit bureaus. 

The reporting details also contain significant inaccuracies. The payment history is inconsistent across the bureaus, and the comments indicate that the account was sold or transferred to another lender. However, no validation of this sale or transfer has been provided. Additionally, the account is reported as " charged off '' while reflecting a balance of {$0.00}, which is contradictory and inaccurate. Given these violations and inaccuracies, this account should not be reported on my credit file. The failure of SYNVS/FD to maintain compliance with state regulations further invalidates their right to report this account. 

I request that Synovus investigates this matter promptly and ensures that this account is removed from all three credit reports.
Product: Credit card or prepaid card

I am writing as I feel I have been incorrectly denied for services with AMEX and they are unwilling to escalate to the appropriate team. On XX/XX/21, I applied for the AMEX rose gold credit card with a nearly perfect credit score, very low debt to income, great credit history, no late payments, a substantial salary etc. Once I submitted my application, it was immediately declined using their automated decisioning system. In total shock, I called to inquire and was told by the customer service agent that although my credit profile was very clean, within the past 1.5 years too many credit cards have been closed, which resulted in the denial. I explained this was not the case and was told by the agent to contact XXXX. This is totally unacceptable being AMEX pulled my credit profile and have a copy of my report that could be reviewed for accuracy. Being I work in the financial industry, I requested to have my application manually reviewed by underwriting and was told no, the system will not allow me to resubmit for second review. Frustrated with this reply, I requested to speak to a manager and was informed one was not available and would return my call within 3-4 hours ; never heard anything. I feel this decision is inaccurate as I have not personally closed any credit cards within the last 1.5 years and expect a valid reason to not approve my application. Credit cards being closed by a creditor for inactivity should never impact a credit decision.
Product: Credit reporting

I mailed Equifax last month and asked that XXXX accounts that say I dispute them be changed since I DO NOT dispute them. I have no issue with the results of the investigation. Now my loan officer says I can not get approved because these are still in dispute. 

Despite the fact XXXX of these # XXXX and # XXXX were DELETED by the other credit bureaus. BUT if they refuse to delete them then I am no longer fighting please just take them out of dispute so I can get approved!!
Product: Checking or savings account

I have been with PNC bank since XXXX and have used their bill pay system to make reoccurring payments and one time payments. I did a one time payment to my association for {$25.00}. On XX/XX/XXXX I received an e-mail that my account was overdrawn. I had plenty of money to cover it so I called that evening. I was told that on top of my checking account I knew about, there was another checking account and savings account that I never knew about opened when the account I knew about was. There was never any funds or activity in these 'extra ' accounts but PNC sent the check from one of these with no funds. PNC assured me they would remove the fees and close these extra accounts to ensure this would not happen again. The next day my App looked different and I sent the {$25.00} again. The same thing happened! This time I went to the bank and spoke to XXXX XXXX and she said she saw that I called and that and they again would waive the fees and make sure the accounts were closed but it would take a couple of days. She told me to transfer {$25.00} in the 'extra ' account which I did in front of her with my phone. Yesterday I got a call from the bank where I was told they weren't waiving the fees and there was nothing I could do about it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One continues to claim this card is mine and I have stated that it is not. I have asked for file information that verifies this information and they have not provided it. They only send their generic card agreement and credit card statements. This is apparently fraud and they won't remove the account nor send me a full file disclosure showing how this account was opened and verified. This is a violation of my consumer rights. 15 USC 1681 g ( a ) 1. 15 USC 1681 ( a ) 1. 15 USC 1681 ( a ) D ( 2 ) ( a ) ( i ) My id is attached so don't say as you have in the past that is not me and you can't identify me. It's a stall tactic that you criminally use.
Product: Credit card or prepaid card

In XX/XX/XXXX I attempted to log into my account on the card companies website. I received a message there was a problem with my account and to contact customer service. I emailed customer service who informed me there was a " temporary restriction in your account. '' They said they were unable to assist me via email and to call customer service. When I called customer service they were unable to verify me over the phone, and did not resolve me issue, including restoring my access to my online account and my ability to access money in my account. 

On XXXX XX/XX/XXXX I again tried to regain access to my account. I called customer service and spoke to four different agents who were unable to verify me over the phone or restore online access to my account, and therefore the ability to access the money within it. I gave them my account number and my card number. They asked me questions about the account such as the date and amount of last direct deposit. Seeing as I have not been able to access the account for years, I did not remember this information. They then forwarded me to the automated phone system, which asked for my card number or social security number. After entering it, I would get forwarded to an agent who would again be unable to verify me, and the cycle would repeat itself. 

I asked the agents if there was another way to verify myself or regain access to my account. They all said no, so i still do not have access to money within my prepaid checking account. I asked to speak to a supervisor. I was not connected to a supervisor and my issue was not resolved.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX several times via mail and through the Consumer Finance and the company does not provide the proof and the investigation needed to have these fraudulent accounts posted to my credit report on my XXXX credit report. I have sent letters on dates of XX/XX/2022, XX/XX/2022, and XX/XX/2022.