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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Ive never authorized thes e companies to run my credit for the purpose of obtaining a line of credit. The companies area listed in my identity theft report. There are. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am a XXXX  on XXXX. A buyer won an auction in XXXX and was delivered exactly what was promised. A month after product was delivered, she made a claim in XXXX  claiming the items arrived damaged. I fought this claim as it was untrue and XXXX closed the claim in my favor. The buyer was unsatisfied with this result and then opened a claim with Paypal for the same reason. I let them know that this was already handled by XXXX and that they determined that the items were undamaged and the case was closed in my favor. I heard nothing back from Paypal for over a month until the product was returned to me unannounced and they forced a refund from my account. I was never informed that they needed more information or that they had instructed the buyer to send the product back. I now have a negative balance in my account that they expect me to pay for an unauthorized return that should have never occurred. The timing of the sale had a lot to do with the price the buyer paid, so their attitude that I can just sell it again and make my money back is an insult.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/24 pulled my credit multiple times, according to customer service rep hindering me from upgrading my new device. I was instructed to dispute and have inquiry removed from report. I am within my XXXX XXXX exchange period and XXXX will not honor my exchange due to credit reporting as advised by representative. I would like to have these inquiries removed immediately and for XXXX XXXX to honor my warranty.
Product: Debt collection

On XX/XX/18 I received notification that my credit score went down. I researched and found the company Waypoint Resource Group Collections on my XXXX, XXXX and XXXX reports. Theres no account number assoicated with the dept of XXXX. Says the debt was created XX/XX/18. This is an error on my credit. I am sending them a request for orginal documentation with my signature or they need to be removed from my credit report. I am a senior and I feel like XXXX, XXXX and XXXX are not doing their job in protecting consumers. Please help me get this erroneous deleted from my credit report. I can not apply for jobs or apartments that check your credit because of these three major credit companies. Please help me. Thank you
Product: Debt collection

writing to formally dispute the handling of a debt allegedly owed to XXXX XXXX XXXX XXXX, now owned by XXXX XXXX XXXX, in the amount of {$620.00}. 

I have never received a written notice of debt validation or a purchase of debt letter regarding this matter. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) [ 15 U.S.C. 1692g ( a ) ], I am entitled to receive a written notice containing : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. My rights to dispute the debt or request verification within 30 days. 

Additionally, I have evidence that no such letter was sent. I receive daily notifications from the United States Postal Service ( XXXX ) via their Informed Delivery service, which provides images of all mail delivered to my address. There has been no record of any correspondence from Absolute Resolutions regarding this debt. 

This failure to provide proper notification constitutes a violation of my rights under the FDCPA. 


Please consider this letter a formal complaint and demand for resolution. I request a written response within 30 days of receipt of this complaint.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$480.00}
Product: Credit card or prepaid card

I opened my Credit Card with Amex XX/XX/XXXX ( Amex Everyday Card ) and qualified for a 0 % APR offer until XX/XX/XXXX on transactions posted by XX/XX/XXXX. I realize that the promotion period ended, which was my mistake-but I still wanted to do a balance transfer as the rate to my Amex Card was better than my current credit card. I called once and the rep said I needed to call the bank that I wanted to move the balance from ... confused with this response I called back. This new customer service rep was also unhelpful and stated that I couldn't do a balance transfer, I asked for a supervisor and the Amex Representative stated that one isn't available. I said I would hold and he said they are in a meeting and to call back. The Amex rep was obviously trying to get me off the phone like the last rep. I told him I would hold for a supervisor, after 45 minutes I got the manager of the Balance Transfer Department XXXX ( Employee # XXXX Call time was approx XXXX Pacific on XX/XX/XXXX ) and he shared that " many people find the Balance Transfer verbiage confusing '' and proceeded to tell me that he could not complete a balance transfer if it isn't in the first 60 days. I requested mulitple times to have my call escalated and he said his manager " didn't take calls ''. Finally, he said he would have another manager call me back.

Bottomline : The Cardmember agreement I received was misleading and I believe falls under the UDAAP ( Unfair, Deceptive Acts & Practices ). There is an interest rate that is listed in my attached cardmember agreement. No where in my cardmember agreement does it say " no balance trasfers after 60 days ''.
Product: Credit card

Subject : Formal Complaint Regarding Capital One Account Suspension and Lack of Written Response Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding Capital Ones handling of my account suspension and their lack of communication following my submission of required documentation. 

On XX/XX/year>, I uploaded all the requested documents through the secure channels provided by Capital One to resolve an account suspension issue. Despite complying fully with their request and providing the necessary documents, my account remains suspended without any explanation. I have made multiple attempts to obtain a written response from Capital One, but I have not received any clarification or guidance regarding the reason for the ongoing suspension. 

I am concerned that Capital One may be unjustifiably prolonging the suspension or attempting to force the closure of my account, which could negatively impact my credit score. I am also concerned about potential discriminatory practices. I am requesting that the CFPB investigate this matter and ensure that Capital One provides the necessary information and resolves this issue in a timely manner. 

Thank you for your attention to this matter.
Product: Credit card

We always pay off our full balance every month to avoid incurring interest charges. 

We were offered a 0.00 % interest rate for XXXX year on a balance transfer, which I accepted by phone. 

During the call, the agent played XXXX disclosures for me to accept. XXXX of these disclosures stated that payments made would first be applied to whichever transactions carried the highest interest ( which, in our case, would be purchases ) and any remaining amount of the payment would then be applied to lower interest transactions ( in our case, the 0.00 % balance transfer ). 

Last month 's statement was the first statement showing the balance transfer of {$10000.00} plus the transfer fee of {$310.00}, along with purchases in the amount of {$9500.00}. In order to avoid paying interest, we made a payment before the due date of XXXX which would cover all the purchases, with an additional {$1000.00} to go towards the balance transfer and transfer fee. 

This month, we were charged {$100.00} interest on those purchases. 

When I called to inquire about this, and have the interest charge reversed, I was told that if we make any purchases while we have a transferred balance, we would accrue interest immediately on those purchases. I have never heard of any credit card doing this, and it was not clear to me in the disclosures that this would be the case. 

I remember at the time of accepting the offer that this disclosure was confusing, so I asked the agent on the phone to help clarify it for me. It seemed she was not willing to go off-script, and she merely replayed the disclosure instead of directly answering my questions. 

Not imagining that the terms of the credit card agreement would be changed to start charging interest on purchases that are paid off before the due date, simply by accepting a balance-transfer offer, I assumed that the portion of the disclosure which mentioned payments being applied to the highest-interest transaction first meant that we would not be paying interest on purchases that are paid off before the due date. 

I feel that this was all very deceptive and deliberately vague and confusing.
Product: Credit reporting

I have XXXX student loan accounts with the US Dept of Education that were paid in full and settled on XX/XX/XXXX. Experian changed their reports to show that these were collection accounts in XX/XX/XXXX and not in good standing when they have been paid and closed and in good standing since XX/XX/XXXX. I phoned them XXXX to correct the errors. Both times I was told I was being transferred to a supervisor and got sent to a mailbox with no name and no supervisor called back. I also uploaded my documents to their website verifying these loans were paid XX/XX/XXXX and again spoke to someone today who said they would be updated properly. I just received the results of the investigation saying the accounts were updated. They now show as black marks with XXXX ( no data for months XXXX XXXX XX/XX/XXXX and a red mark and a c for XXXX which is the code for a collection account. They are still reporting inaccurate information and seem to have no interest in correcting the error and appear to be deliberately playing games. I have wasted numerous hours on the telephone with Experian representatives and scanning and uploading documents trying to correct accounts that were closed almost XXXX years ago. This is extremely XXXX and unnecessary. Why are they reporting inaccurate information. They had the information accurate until a week ago. When I tried to speak logically with their reps asking how accounts that were showing closed and paid in full could suddenly be closed again and in collection XXXX years later they would only reply that was information given to them by the creditor I have had a massive headache for XXXX days and do n't know what else to do. This is such a waste of everyone 's time.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX  and number XXXX Account Type : Revolving account. The XXXX bureaus currently have balances on this account as XXXX {$50.00}, XXXX {$36.00} and Experian {$14.00} but the balance to this account which is my credit card is {$00.00}
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : - XXXX || Date of inquiry : XX/XX/year> - XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking for a investigation on my credit file because this account is reporting incorrectly on my credit file.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX 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 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: Mortgage

I applied to reduce my interest rate on my mortgage through Nationstar Mortgage LLC they then had someone from Greenlight Loans contact me. They then asked that I sign " Borrower 's certification and authorization '' five ( 5 ) times in the year 2015. Each time I asked why did I needed to resign the new form. I got a different excuse each time by a new Loan person. I wish to have at least XXXX of the requests from my credit reports. I had excellent credit before they pulled my credit each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a screen shot of my account before I closed it just recently showing I was not past due and yet on my report it says I'm past due and hasn't been updated since XXXX XXXX. I disputed 2 or 3 times and kickoff keeps telling them its up to date when it is not up to date and I also have proof. And I want it off my credit report now. Please.
Product: Mortgage

My complaint is that selene finance has not removed the 60 days late from credit report it shows on XXXX  and XXXX. My loan is XXXX I call customer service they told me that they will remove the 60 days off my report but it still shows on XXXX  credit report and XXXX my social security number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

My oldest credit card which is XXXX XXXX XXXXXXXX XXXXXXXX XXXX with a limit of {$80000.00} has strangely disappeared from my credit report on all the credit bureaus ( XXXX, XXXX and Experian ) and I have contacted them individually since XXXX, 2023 when I first noticed it and nothing has been done, I keep calling them and they say same thing every time that they see it from their end but I do not see it when I check my report and more importantly the banks and creditors do not see as well and that has affected my credit card and loan applications because my credit profile without the XXXX  XXXX XXXX XXXX card looks not good enough. I have already contacted XXXX  XXXX XXXX and they told me they report my credit to these bureaus and it is a problem from them and not XXXX. 
Also XXXX since XXXX has totally wiped out my credit history and when I check my profile every is blank and I have contacted since XX/XX/2023 and nothing has been done. Kindly help me fix my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I apply for ANY credit, I am sent letters denying me however these same letters states that either a credit report was not pulled or I have a 700 plus score but yet they still deny me for ANY loan or credit application. I wrote the 3 credit bureau on XX/XX/2020 updating my legal name because I was denied credit due to " inactive file '' status. My name has a suffix behind it so I sent them my ID and other documents to provide proof of my identity and requested my credit profile show up active. I never received any correspondence from them or any notification. Further more my identity was stolen by the XXXX and I received a Notice of Data Breach. I am unsure why i am having these issues but know that I should of been offered the credit in which I had requested. I am still receiving notices that states these concerns. Your help in this matter will be greatly appreciated.
Product: Money transfer, virtual currency, or money service

I was receiving a {$17000.00} reimbursement from the company I work with and they use XXXX for payment processing. I used Square to create invoices and track to make sure I received the funds back. XXXX reached out to me to pay me via a virtual mastercard. The explained to me they will send me this card and I could use it to put it in my bank account. I asked how do I use a card and they explained it wont be an issue. On XX/XX/XXXX I received an email saying lets get you paid and it had a link to the virtual card. I clicked the link and there was no instructions or actionable buttons to click.I emailed avidexchange back explaining I do not know what to do with this. I received no response. The next day I have an email from square saying I got paid {$17000.00} from and invoice and they had charged me a 3 % fee. I did not give them permission to pull these funds down and have no idea how they even knew the funds were out there. I contacted XXXX and they were going to pull the funds back from Square and issue me a check. I received a check in the mail some 15 days later and deposited it in my account and the check was no good. I contacted XXXX and Square and Square agreed to refund the money back to avid and remove the 3 % fee so I would get my full {$17000.00}. The day of the refund Square cancelled it and I calle dand they said I did not provide some kind of verification. I did not receive any request for verification. Then I tried to put pressure on XXXX again since they misled me in the first place. They agreed to get the funds back again form Square and sent me another check that was also no good. So in desperation I decided I would eat the {$510.00} fee just to get my money back because this has dragged out for months. I went on Square and set up a banking account to transfer the funds. To my surprise it said it was going to transfer {$17000.00}. I was like good finally. I set it all up and my bank card was on its way. Immediately I received an email from Square saying they deactivated my account and were holding my {$17000.00} until XX/XX/XXXX. I reached out by phone to see why and as soon as I call it says my account has been deactivated and to refer to the email I received. At this point this is crazy. I can not see how a company can get away with something like this so I am reaching out to the CFPB. Please help!
Product: Checking or savings account

XX/XX/XXXX2022 a charge from XXXX XXXX XXXX WA XX/XX/XXXX for {$1900.00} appeared in my checking account. I disputed on XX/XX/XXXX2022 and Chase provisionally refunded it. Then they reached the amount on XX/XX/XXXX2022 stating that my pin number was used in the transaction so that proves it was me that made the transfer. This is totally false as I have never given my card or pin to anyone and I also have never heard of an international cash wire being done using a debit card and pin number. To this day Chase will not refund my {$1900.00} that was stolen from me.
Product: Mortgage

Had unfair lending practices with mortgage with Citibank. I had a loan on a rental property with 10 % down. The lender I had was purchased by Citibank Mortgage. I had the loan for 10 year and tried repeatedly to get the PMI removed. Citibank kept telling me I had to pay several thousand dollars to get the equity up to 20 %. At on point they requested $ XXXX on a property that I paid {$120000.00} for. They only paid down roughly {$100.00} down on the principle on a monthly basis. The rate was 7 % and the remainder of the charges were PMI. After 10 years I had only {$10000.00} of the principle paid down. Total scam. Every time I called to get PMI removed they said I had to get a new appraisal with their team and have both these high cost, a large amount of capital down, and really high closing costs.
Product: Debt collection

XX/XX/18 - I received a notification from XXXX   regarding a new entry on my credit report asking me to verify. I had no prior notice of this, so I contacted Waypoint Resource Group, XXXX XXXX XXXX, XXXX XXXX, TX., XXXX, which is the company who reported this debt. I spoke to " XXXX '' regarding an entry on my XXXX credit report dated XX/XX/18 in the amount of {$49.00}. I asked who the original creditor was, as it was not included on the report, nor have I received any billing statement to identify the creditor. She told me it was XXXX XXXX XXXX. I asked about a payment arrangement, or a settlement amount, but she said no such arrangements could be made. I also told her that her company is reporting to the credit bureaus weekly, as " new collections '', which I believe is not allowed. She became rude, and told me that the entire debt must be paid immediately. Since I live on a low fixed income, I could have handled it better with some kind of arrangement. After this call, which did not go well, I contacted the original creditor, then found that there were actually 2 different accounts which I owed, both now being handled by Waypoint. I paid the older of the 2 in  the amount of {$55.00} on XX/XX/18, and arranged to pay the {$49.00} bill next month.