23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX ) Account # XXXX XXXX ) Account # XXXX XXXX ) Account # XXXX These three accounts 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear XXXX, XX/XX/XXXX I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$210.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Open account with account # XXXX opened on XX/XX/XXXX and a balance of {$170.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 








Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, XX/XX/XXXX I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX, XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX  Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$92.00}. The original creditor is XXXX XXXX XXXX.
Product: Credit card or prepaid card

Capital One bank has been promoting that it will help its customers through the pandemic. Since XXXX, I have been contacting them so I can get help with my monthly payment due to my hours being reduced at work due to COVID 19. They agreed to help me and said they will enroll me in a program that will make my account current without any minimum monthly payment. In XXXX i received a notice that i was late, I called and they said that i was supposed to call every month. I said i wasn't sure i understood that and if they can please help me and they refused and made my account 30 days late and sent it to my Credit report which cost me 40+ points reduction. In XXXX i made the call again and ask if i can have my interest freeze because my card went over the limit due to interest and i don't have enough to make payment and they said they cant. and in XXXX i made the call as well. In XX/XX/XXXX a Representative said he has a better plan for me that won't require me with any minimum payment or late fees. I asked if i still had to call every month and he said i don't until XXXX but now I'm receiving notices in my credit score that I'm late 3 months, and I'm receiving emails feeling pressured to make a payment on XXXX for {$200.00} to make my account current or will be going in collections which means it will affect my credit score as well. I Now call in XX/XX/XXXX and ask why is my account showing I'm behind 3months and why is this being sent to my credit report and they said that is due to the new program. I explain to XXXX the manager that it wasn't what I was told especially with the questions I specifically asked which were do i have to make a minimum payment, will my account be current, and do I have to still call every month. XXXX said she can't do anything for me but to review the call. This is the first time I have ever written a complaint with capital one because they are my favorite bank but with the situation, I'm going through I feel they are juggling me around and giving me all these fees towards my account when they know I can't afford it. It will not be a fair call where I'm asking for help and my account goes into a collection or destroys my credit score more than what it is all because no one wants to help.
Product: Debt collection

On XX/XX/18 i contacted XXXX XXXX at crest wood XXXX   apartments regarding forfeit my lease due to an family emergency which resulted into me having to move back to XXXX. I was given a pay off balance of XXXX to forfeit my lease. I was given a payment plan which i also gave a date when i was moving out. On XX/XX/2018 i contacted XXXX XXXX via phone stating i had already moved out and i had sent my payment via money order with the keys by mail. I also contacted XXXX XXXX asking for a copy of my pay off plus a copy of my forfeit agreement however leaving numerous of voicemails XXXX nor XXXX never called back. We communicated a lil thru email, where XXXX stayed she had received my money order of XXXX. She never contacted me back after. So i felt everything was done and paid off until i was placed in collections stating they never received anything from me and i have every money order & email that was sent between the three of us. Ive tried contacting XXXX XXXX myself to resolve the issue and no one called me back or anything. Ive been trying to get this removed from my credit for a year now Ive paid them and gave the keys back to the unit. By me not being an XXXX  native i feel like they mistreated and placed it on my credit to keep me from moving back home to XXXX. Ive been homeless since behind XXXX and XXXX unprofessional behavior with me.
Product: Vehicle loan or lease

Personal property was repossessed without notice, interest rate incorrect, World Omni Corp dba XXXX assigned contract to *itself * ( XXXX XXXX XXXX XXXX ), Promissory note was taken, car used as collateral, fraud involving signatures of buyer/co-buyer, Adverse Action ( repossession ) XXXX XXXX XXXX  XXXX Skip-tracing violation, personal information given to third party ( towing company ). 
The company contract is different from my original contract. 
These companies are violating the RICO ACT, this is organized crime!
Product: Debt collection

Reporting invalidated and unverified information to consumer reporting agencies. Buying my Personal Information without my written consent which is an invasion of my privacy. Reporting an alleged debt of {$1100.00} when there is no written contract between me and MARS INC. Violations of 15 USC 1692b ( 2 ) -stating that I owe debt. Violations of 15 USC 1692d ( 1 ) harming my consumer reputation. Violations of 15 USC 1692d ( 2 ) -using obscene language that I, the consumer find abusive.
Product: Student loan

When I originally signed up for school I was confused in the fact I was getting a grant, paying the school, and signing for a government loan. It was all a very confusing situation where we were constantly interrupted and very unorganized. I was under the assumption I was getting a grant and would pay the school monthly while attending. I was a single mom works now 2 jobs while doing the classes online. This was very exciting to me that I would be able to go to school and earn a degree and start a new career. I worked hard for 2 years finishing assignments staying on the Dean 's list. I could not wait to get my degree and finally start my career in XXXX XXXX and XXXX. I made sure I never missed a monthly payment to the school so there would be no delays of graduating. I was told that upon graduation they would help with job placement. After walking across the stage all of those promises where gone. I was told there were no jobs available where I lived. I would call the school and leave messages and get no response. Then the reality of I had student loans. Now I have a worthless degree and drowning in student loans. I graduated almost 10 years ago and have not even come close to the income promised. I found out after graduating that I didn't even need a degree in XXXX XXXX. I was able to get a XXXX  job and took courses and have been working in a physicians office as a XXXX XXXX. I have asked Navient year after year if I can get the loans consolidated so I can make reasonable monthly payments instead of multiple payments at prices I couldn't even imagine paying with my current income. Navient has told me year after year that it would be best if I just did forbearance and deferments. Not fully knowing what those are they set me up for those. In the meantime the interest keeps going up and up. Making it even more impossible to ever imagine paying them off. The college 's and student loan officers should not be allowed to mislead students. When we are signing up we are so excited with our dreams of a better future and your throwing so much information at them and easily confusing them. It's not right and should be against the law. I'm adding my complaint so hopefully it will help stop them from doing this in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$400.00} XXXX XXXX {$710.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$9600.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced a mortgage with my credit Union. XXXX west paid of the previous lender XXXX XXXX Mortgage. I contacted them and they said that the loan was paid off. 
The problem is when I pull up my credit report with experian it now shows I have XXXX mortgages XXXX with XXXX XXXX XXXX XXXX and the report still shows I have an active mortgage With my previous Lender. This shows I have XXXX active mortgages on my credit report. I have disputed this with Experian and called XXXX XXXXXXXX XXXX letting them know of the problem. I was advised they would pass this information on to the department that will take care of this. I have called Experian several times trying to get my credit report updated showing I only have XXXX mortgage with my credit Union. As of today the XXXX of XXXX the wrong mortgage information is still on my credit report but it shows under a dispute but it's been under a dispute for over 30 days and every time I call experian they keep saying they have up to 30 days to correct the error. It's obvious I'm not getting any where to get my credit report updated. I hope filing a compliant with your department will get them to do what is necessary to correct my credit report since filing a compliant to your agency should let them know it's time direct a little more attention to getting this credit report corrected.
Product: Credit card

When Bank of America did not receive a payment from me on time, or even 30 days after the payment was due, they did not bother to call, text me or mail any correspondence to me. They were emailing statements to an old email address which I failed to update them with however they had my phone number and my mailing address. I was only made aware of the late payment as Bank of America mailed me a letter after the payment was already 60 days late. This letter advised that my payment was 60 days late and as a result my credit would be adversely affected and that they 've lowered my account balance from {$4500.00} to {$500.00}. 

Upon receipt of this letter I called Bank of America to first off pay my account balance of {$6.00} which was initially due on XXXX/XXXX/14. After I paid the balance I spoke with someone to dispute the lowering of my limit and asked if they could retract or note their reporting to the credit reporting agencies differently so it would n't affect me negatively. Their argument to not calling or mailing anything to me was that I selected paperless statements. I brought up the fact that that any debtee will try all methods possible to reach the debtor and collect that payment. They were of no help, the rep. was very rude and they still have not mailed anything, as they promised, with their answer to my disputeAs a customer of Bank of America, I would think that they 'd want me to receive the best service, that they 'd want me to keep a good standing account with them and that they 'd look out for my best interests. In this case I feel like Bank of America failed me and then they penalized me. All of this was totally avoidable had I updated my email address or remembered that I had charged {$5.00} on my card however in the event I failed on my part, Bank of America should 've called me, texted me or mailed a letter to me as soon as they did n't receive a payment when it was due. Instead they mail me a letter after my payment is already 60 days late. If they were capable of mailing this letter, why could n't they have sent me XXXX 60 days before letting me know the payment was late? There should be a rule to protect the consumers and state that the debtee must try all methods available to them to reach the debtor as soon as the payment is late.
Product: Vehicle loan or lease

I am writing this letter in regard to a recent adverse action that was done against me, pertaining to a getting a loan for a vehicle on XX/XX/22. After carefully reading the letter, it seems you have discriminated against me based off my consumer report. Company procedures does not supersede Federal Laws. This is a direct violation of my rights of a consumer 15 USC 1602 ( f ) tells me that credit is my right. I can not be denied a right 15 USC 1602p makes it clear that you, ( ALLY BANK ), have committed fraud and used my credit card without authorization and I received no benefit. 15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against. Now I would hate to escalate this situation and I am sure that you are just doing your job ; but I would have to hold you personally accountable for this because as of now you are acting as unauthorized representative. I am willing to let all of this go if your company does the right thing and reverse this decision. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent Equifax to verify accounts that I had questions about and provide me with the method of verification that would prove that they actually investigated the problem. I requested to recieve any findings to this dispute in writing.  On XX/XX/2019 I called Equifax  out of concern that the dispute had went passed the statute of 30 day and requested the information in dispute be deleted due to law saying that they only have 30 days to  verify a dispute  or the information in question must be deleted.  The representative refused to acknowledge the law and kept saying she will provide me with a explanation of the dispute on 10 days. I inform her it was pass the 30 days and would like the information deleted immediately.  She refused so I ask for her identifying information to prove that I called. Instead of providing me with the information the rep hung up in my face. I do have a recording of the conversation if Equifax would like to here and i have information showing as of XX/XX/2019 some of the information that was disputed is still in dispute which is well pass the 30 days in which I will attach to this complaint.  I have used Consumer finance protection bureau to keep up with my complaint s and history show that every recent dispute expanded pass 30 days and Equifax continues to report the information that is in question. The Public record is still in investigation and I  also have that attached to show its been over 30 days and I have not received a final answer within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit AcXXXX XXXX Acct # 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 an account without my written instructions.
Product: Debt collection

Jefferson capital system {$410.00} information was sent to a third party without my authorization and invalid address etc ; XXXX XXXX XXXX  {$1100.00} information was sent to third party without authorization and invalid address etc ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 reporting, credit repair services, or other personal consumer reports

XXXX is reporting different amount of accounts than Experian and XXXX. 

They have failed to help with reporting XXXXXXXX XXXX XXXX  as an open account. XXXX has fixed this with no problems. They are claiming no data was given the past 3 months and that it was recently reported closed which it is not. Company also has refused to remove multiple hard inquiries placed in an abusive manner on my report XXXX XXXX XXXXXXXX has not reported for the month of XXXX & account should have XXXX $ balance!
Product: Checking or savings account

On XX/XX/year> - I was sent XXXX I hardly use the account and my father did not he sent me this money to pay bills. I owed them {$100.00} so they took the XXXX dollars out and left me with {$900.00}. I asked him to expedite the process of getting my money back because I thought it was unfair that they basically just left it open so that I could make a deposit and they could take my money and then hold my other money XXXX. The lady said there was no way they can expedite anything and she understands that I have bills, but there's nothing she can do. She said that because the account was suspended that the department that handles that takes about XXXX business days and then it takes additional time to get to to me I was upset with how they can just take my money and not give it back to me when it's not theirs in a timely fashion. So my XXXX has another account there so I said I don't wan na do business with you guys because you're unprofessional and you don't care about my utilities and my bills and you're holding my money XXXX so I wan na close my other account she then said oh well we can get that money to you in one to three days. I said well how was that fair? Why can't you get me my money in one to three days she said because like I said that department takes three days I said so really you can not get it expedited it anyway, knowing that you guys were only needing {$100.00}. You should've never kept my account open, but you purposely did so you knew when a deposit was Sent in you would get paid and then you would keep all my other money until it's convenient for you. I don't see how a company can take all those days to get your money back to you but soon as they get your deposit, they can take the money that's owed to them now all my bills are behind. I'm not able to pay my bills because they wan na wait business days to take it. I refuse to get it refunded and wait I let then know today because I was filing a complaint first because I think it should be expedited. I feel like it's illegal what they're doing, and it needs to be brought to everyone 's attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter certified to both Equifax and XXXX over 45 days ago regarding inaccurate accounts that are reporting that XXXX has already removed due to not being able to properly verify these account. I was under the impression that all reporting must be accurate as this is not the case. This is causing me more stress in my life and I would like to this matter to be resolved and not just an update that they are still working on it. According to the FCRA if inaccurate unverfiable information is not completed within 30days of receipt of the letter it must me removed. I have tracking information showing they have received my letter Equifax tracking # XXXX and XXXX  tracking # XXXX I thought you guys assist in protecting the consumers because its past 45 days and I should not have to deal with something reporting inaccurately that is no fault of my own. How is it that XXXX  was able to get this done and these two bureaus are not where is the accountability