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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In addition, I am also a victim of identity theft and have filed a necessary report with the Federal Trade Commission. I have provided the Identity Theft Affidavit in this complaint. 

Per 15 U.S. Code 1681b, I have noticed that there are several inquiries that were NOT authorized and they do NOT have permissible purpose according to the credit act law provided. The credit bureaus are in VIOLATION of the FCRA, and these items must be removed as soon as possible.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that your Crediting Agency will investigate this account to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account Number : XXXX
Product: Debt collection

Violation of the law, failing or refusing to validate disputed items within XXXX days
Product: Credit card or prepaid card

We are having an ongoing problem with my Capital One XXXX  credit card. When I went to use the card on XX/XX/XXXX, my charge was declined. When we contacted Capital One on XX/XX/XXXX, they informed us that there was a restriction placed on our card. We have been customers of Capital One for several years and have NEVER not paid our bill in full on a timely basis. We have never incurred a finance charge. When we called Capital One consumer service and asked why there was a restriction on our account, they would not tell us why. They said that someone would reach out to us within XXXX hours. We also asked to speak with a supervisor ( XXXX XXXX ) who told me the same thing. They would release no information on why our card was restricted. On XX/XX/XXXX when no one reached out to me within XXXX hours, I also sent a detailed email to the President of Capital One ( XXXX XXXX ). Again - no response. I contacted Capital One again yesterday - XX/XX/XXXX - and requested a supervisor. I spoke with XXXX ( XXXX ) and he told me that someone will contact me within 5-7 business days of the inception of the restriction and also would not tell me why the card was restricted. It has been 8 business days and no one has contacted me. Therefore, I was NEVER contacted by anyone at Capital One either to originally inform me of this restriction - and thus spare me the embarrassment of having my card declined in a public space - or to follow through as promised within 72 hours or 5-7 business days. To date, not one call or email or text has been sent to me by Capital One nor has anyone been willing to tell me why a restriction was placed on my account. I believe that 15 US Code 1681g is applicable here and that the consumer reporting agency, i.e. Capital One, is required by law to clearly and accurately disclose to me all information in my file when requested. I do not know how to resolve this issue as Capital One will not cooperate with me in any way. All I want to do is sever my relationship with this awful company. My last bill was paid in full ( as always ) and I have outstanding charges of just over {$1500.00} made after payment of the last bill but before the restrictions were placed on my card. We have cash back of {$540.00} due us and want to deduct this amount from our remaining balance, pay our last adjusted bill and close our account. Both supervisors and each person I spoke to at Capital One told me we could not get our cash back until the restrictions were lifted and yet they won't lift them or give us any reason for said restrictions. Both myself and the primary card holder - my husband XXXX XXXX- have been involved in these communications with Capital One. We need help in resolving this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Cell : XXXX
Product: Vehicle loan or lease

Gateway One lending and finance decided to sell out to santender financial. 

I have a loan for a car with Gateway One lending and finance. I found out through a 3rd party that my loan had gotten sold on XX/XX/XXXX. In the email that I had received ; my credit report improved but I found it inappropriate that I found from a 3rd party on the sale of gateway. After getting an email from santendar, I immediately called them on XX/XX/XXXX. In that phone call, I asked the questions regarding when the sale was started with negotiations, when both corporations knew about the sale and declined to advise clients about this sale until getting information from a 3rd party. In the call, they informed me that the sale was final on XX/XX/XXXX. They mailed out a letter on XXXX apparently ; I find that unacceptable and Gateway One or Santendar should have sent a letter or a call or email immediately about this action. 

Now, I have to develop a new web account and continue to pay on a car that Ive been paying on for a year and a half. I have a year left on my car. 

I think there should be fines or penalties associated with the action by gateway sale as many people according to Santander have been upset about this. They knew this was coming and did nothing. Its unacceptable that this has happened!
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the following erroneous information on the following accounts : 1. ) XXXX XXXX XXXX XXXX - not 30 days late on XXXX and XX/XX/XXXX 2. ) XXXX XXXXXXXX - not 30, or 60 or even 90 days late on XXXX, XXXX, XXXX consecutively. this is not true 3. ) XXXX XXXX  XXXX - I am not late on the month it shows on the report 4. ) XXXX XXXX - not late 30 days on XX/XX/XXXX, this is incorrect These accounts were not delinquent on the specific months mentioned on my credit report.. Reverse the late payments, fix the accounts they were not delinquent
Product: Credit reporting

I am submitting this complaint about experian credit reporting agency. My XXXX/XXXX account was recently changed and put in the " potentially negative '' part of my credit report. I again called last week to dispute this information. This account was corrected in the past after I sent in the letter from XXXX/XXXX shops to verify that there has never been a late payment made on this account. It is suppose to be reported as accounts in good standing. Last month experian for whatever reason moved this account and put it back into potentially negative which affected my credit score. I have sent experian 2 copies 2 seperate times the letter I received from XXXX stating the account was never paid late. Experian should have this letter on file and I questioned it and was told they can re-dispute it for me. That is not the answer this account should have never been moved to accounts that are potentially negative. My complaint is I spend valued time on the phone with experian trying to correct the incorrect things on my credit report. Now I have to wait 30 days again before a response. This should have never been changed to begin with. I spend time money on stamps copies of the letter etc to correct the wrong information when finally it is corrected then a few months later it is back to square one.
Product: Credit card or prepaid card

Charged a " Security Fee '', when I signed up it never mentioned anything about a fee. It was a 6 month 0 % interest promotion. And it's not fair that I'm getting billed for something I never agreed to/wanted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy invalid reporting wrong date, reference number and amount did not file chapter XXXX bankruptcy ; XXXX and state collection are not my accounts invalidly reporting no contract and needs to be removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Last night I received a report from a credit monitoring service that I maintain, that said I had a hard inquiry made to my credit report and it cuased my credit score to take a dip. I am alerted when this happens as I like to maintain excellent credit and want to be on watch for fraud, identity theft and other issues. 

An organization by the name of " XXXX XXXX XXXXXXXX '' made an inquiry on XXXX XXXX XXXX. I did not apply for credit with this bank. Its lists an address of XXXX XXXX XXXX XXXX XXXX, ND XXXX. I have disputed this on my experian account but it is concerning. 

That was followed up by an email to my email account this morning claiming that I opened a credit card. It said : " Congratulations, XXXX, on your new credit card! You have been approved. To get the most out of your card, enroll in online banking or download the XXXXXXXX XXXX Mobile App. The app lets you move money around effortlessly, lock and unlock cards, pay all your bills with one secure password, and so much more. You can even bank by voice or text with the XXXX XXXX XXXX  Assistant. Download our app today. 
XXXX  on the XXXX XXXX, Get it on XXXX XXXX  About your new card : Your card will arrive by mail in about 7 days. Be sure to activate it that will boost your cards credit line to {$2000.00}. If you requested a balance transfer, youll receive a letter with information about your request. Thank you for choosing XXXXXXXX XXXX '' When I tried to call the number foXXXX XXXX XXXX it asked me for the last four digits of my social security number so I hung up. 

When I looked at my credit file it appears that yesterday someone also tried to open a credit account with Bank of America, also on XXXX XXXX XXXX. That was another hard credit inquiry. That address is XXXX XXXX XXXX XXXX XXXX TX XXXX. I am disputing this one as well on experian. 

I XXXX  " XXXX XXXX XXXX as I had never heard about them and found out that after a five year investigation your organization ( which is how I learned of the existence of this organization ) fined them millions of dollars for making unsolicitaed/unapproved hard credit inquiries and opening credit facilities on unsuspecting consumers. I guess they are at it again.
Product: Debt collection

In the process of trying to refinance my home in XXXX XXXX, my credit was pulled on XXXX/XXXX/XXXX, and this Real Time Resolutions collection was showing up on my credit, which essentially ruined my opportunity to refinance my loan. 

I sent them a certified letter asking them to provide me with documentation that this debt was mine or that I had any business with them, including any contracts, my original signatures on their documentation, etc. They did not respond, so I filed a complaint with the bureaus. After the credit bureaus got involved, instead of providing the documentation I had requested confirming that the debt was mine or that I had any type of business contract with them, the company just removed the debt from my reports, which showed clear when it was pulled again on XXXX/XXXX/XXXX. 

As I was getting ready to apply again this month for the loan which has a balloon payment due in XXXX XXXX, I checked my credit again, and the same company is reporting the debt again, but now they 're using a slight variation of the original company name. They have again ruined my chances of refinancing my loan, which is due now in XXXX. 

I need this debt removed immediately so I can refinance my balloon payment loan, and I need this company to stop placing this debt on my credit report. I fear that they will wait a few months and again place the debt onto my credit report. 

I am forwarding copies of the credit reports which show the timeline of when the debt originally appeared, when it was removed and the date it showed up again, showing the same debt but with a slight variation in the company name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed dispute letters from my place of residency to all three credit bureaus did not receive any responses over the 45 day max period. I am using XXXX XXXX XXXX XXXX as a credit repair service. They informed me to file a report with your company. The original lettrs were mailed out on XX/XX/2020.
Product: Money transfer, virtual currency, or money service

During a family vacation to XXXX XXXX in XXXX ( XXXX ), 2023, I received several phone calls as someone saying they were from XXXX XXXX  that there was fraudulent activity on my account and someone was using money in my account and that it had been hacked and they knew I was out of the country. They asked about last transactions and said I should add myself email, etc.. and instructed me on how to begin sending Zelle payments of funds out to the bank. It was a scam and I lost XXXX  of dollars that I could not get back.
Product: Vehicle loan or lease

This pertains to the complaint # that XXXX was responded to by HMF. the company claims that " HMF attempted to contact XXXX XXXX on XXXX XXXX, 2017, but was unable to '', I would like to have all the copies of communications, on how this contact was attempted? what all processes the company followed to ensure that it meets the Fair Credit Reporting Act ( FCRA ) and how XXXX XXXX 's consumer financial rights were not violated by reporting negative credit information to the consumer reporting agencies without informing XXXX XXXX of this action? Why should HMF should not be sued in this case for apparent violation of the FCRA? Upon receiving the {$750.00} from XXXX XXXX, why did HMF failed to inform the remaining balance on the account?
Product: Debt collection

XXXX XXXX XXXX {$10000.00} 15 U.SXXXX Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was only informed via a XXXX article that my private information was stolen from Equifax servers back in XX/XX/XXXX. When I input my info on XXXX Equifax link, it confirmed My information was compromised and I would need to enroll in an identity theft product. By enrolling in the ID monitor I waive my rights. This will create a huge ongoing inconvenience and could delay a refinance. Equifax has such critical information that this could take many days, hours, or weeks to monitor over a long period of time. The thieves could also wait out the identity theft monitoring and then use my info to damage me. I am very concerned that equifax never contacted me directly, and this happened in XX/XX/XXXX. The identity theft service ca n't even start until XX/XX/XXXX. They have a responsibility to keep all info safe.
Product: Credit reporting

I have previously disputed this incorrect collection account from my credit file from XXXX XXXX XXXX because this was an account that I opened myself and used for a small period of time, but the card was stolen. I reported the card stolen to the original creditor and continued to pay towards the amount that I owed after I was told the other charges would be removed, they never were. The account has previously been removed from XXXX for the same reason on XXXX XXXX, 2016.
Product: Debt collection

Attached please find a debt that Radius Global Solutions, LLC claims that I owe. Radius Global Solutions, LLC does not possess a license to collect in the State of Tennessee, my home state. Place enforce that they remove this from all three credit bureaus.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan with Wells Fargo on XX/XX/XXXX. I was pre-approved so I proceeded with the application process. Wells Fargo sent me a notice to upload my XXXX XXXX & most current paystub. While uploading that info I accidently up loaded other tax documents that was I was not asked to send. I tried to cancel but it did not work. I called to speak with a loan specialist and was treated very unfairly. This lady was way out of line. She told me she was going to call my employer about my tax write offs. This is none of her business nor the my employers. I called to complain about the incident and the way I was treated and was assured that it would be handled and she would not be handling my loan request. Well she called my employer and my loan was denied based on the info that she shouldn't have even received. They deducted last years tax deductions from this years salary. How is this fair? My situation is different this year. I'm so embarrassed now that all my co workers no my financial situation and how can they base their decision on something that was not even required to obtain the loan. I have had this account for years and I am currently looking for somewhere new to bank. Shame on Wells Fargo for treating my like this. I have been humiliated and treated like a criminal or something.
Product: Vehicle loan or lease

On XX/XX/2022, had an accident in my leased vehicle. My insurance company declared a total loss on XX/XX/2022. 

On XX/XX/2022, my insurance company sent a check for {$24000.00} to XXXX XXXX XXXX XXXX, which was cleared on XX/XX/2022. 

My lease for Hyundai was due to expire in XXXX, XX/XX/XXXX, and we were in the process of speaking with our bank to get a loan to cover the {$14000.00} buyout amount at the end of the lease. 

Because the insurance paid XXXX XXXX {$24000.00}, there is a discrepancy of {$9700.00} which is in credit on the account. Hyundai refuses to pay me the difference ( the credit amount ) on the account, after giving me false information every time I have called them over the past 6 weeks. 

I have been told that a check will be expedited, that a manager needs to evaluate the account after 30 days, that the manager needs 5-7 days to evaluate the account, that it could take an additional 10 days to process the check and send it out, and now that they won't release the funds because it was a leased vehicle. I even asked if it could be transferred to a new vehicle purchase, and they said that was not an option.
Product: Credit reporting or other personal consumer reports

I discovered several unauthorized and inaccurate derogatory marks on my TransUnion credit report. These accounts were placed in collections without my knowledge or consent, and I dispute their validity. Despite taking steps to resolve this, the issues remain unresolved, and my creditworthiness continues to be negatively impacted. 

Here are the details of the disputed accounts : Original Creditor : XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Balance : {$2000.00} Pay Status : Collection Estimated Removal Date : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXXXXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Balance : {$950.00} Pay Status : Collection Estimated Removal Date : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Balance : {$160.00} Pay Status : Collection Estimated Removal Date : XX/XX/XXXX Original Creditor : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Balance : {$250.00} Pay Status : Collection Estimated Removal Date : XX/XX/XXXX Recently, I submitted a dispute to TransUnion regarding these accounts XXXX but no satisfactory resolution was provided. TransUnion failed to verify the accuracy or validity of these debts, which I believe violates the Fair Credit Reporting Act ( FCRA ). Specificall

y : 15 U.S.C. 1681i ( a ) : TransUnion is required to conduct a reasonable investigation when disputes are submitted. 15 U.S.C. 1681e ( b ) : TransUnion is req
uired to ensure maximum accuracy of the information they report. 
These accounts do not belong to me and are causing significant harm, including lowered credit scores and financial hardship. I am requesting that these accounts be investigated, verified, and, if found inaccurate, permanently removed from my credit report. 

Thank you for your attention to this matter.
Product: Vehicle loan or lease

I obtained a copy of my credit file around XXXX XXXX and filed a dispute through the credit bureaus against Nissan Motor Acceptance. Once bureaus investigation was completed it came back the information disputed was verified, no change and Nissan Motor Acceptance as new information. In receipt of this information I sent XXXX, XXXX and XXXX a letter of stating : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Nissan Motor Acceptance has not responded to my request. I am asking that you please look into this matter and have them remove this derogatory rating. The account was paid off in full and never late.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. XXXX XXXX XXXX XXXXXXXX has to different opening accounts dates on Transunion XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> This is inaccurate an is hurting my ability to obtain credit
Product: Checking or savings account

Citi Priority Checking account advertised that if terms are met that XXXX AAdvantage bonus miles would be awarded as a 'sign up bonus '. The terms to be met are " When you spend {$750.00} worth of debit card purchases and make one or more qualifying bill payments for two consecutive months. * '' according to the advertisement. 

The checking account was opened on XXXX/XXXX/19. The {$750.00} minimum debit card spend was met on XXXX/XXXX/19. The two bill payments were made during consecutive months. First on XXXX/XXXX/2019. Second transaction date XXXX/XXXX/2019. All terms were met within the allotted 60-day window from when the account opened. 

I reached out at two points during the process to confirm that terms are being met and was assured that I was " ... good to go! ". As of XXXX/XXXX/19, I have not received the incentive for opening this account and have been assessed fees associated with the account.