23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Discover XXXX XXXX has called my partner now my father over a dozen times over my account. I have spoken to them about this issue but to call someone over a dozen times ; XX/XX/2021, about another persons account is harassment. I have told them that I only have one phone number and confirmed that I can only be reached at that phone number. For Discover XXXX XXXX to call someone who is not the account holder over a dozen times in one day is absurd.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( Sequium Asset Solutions LLC ). They have violated my rights using the 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 instructions. It is reporting to my XXXX credit report and in the amount of {$2300.00}. The account number is XXXX. I have not received any validation letter or notice.
Product: Credit card or prepaid card

I received a promotional offer from PNC Bank for my VISA credit card. The offer was that if I made {$500.00} in purchases on my new card between XX/XX/2022 and XX/XX/2022 I would receive a {$100.00} credit on my account within 90 days. I made a {$500.00} purchase on XX/XX/2022, but I never received the credit. I called their customer service and was told they didn't show the offer as having been made on my account. They were going to research the issue and get back to me. That was over a month ago and they have not contacted me. I have a copy of the promotional email I received from them with the offer which is attached to this complaint along with a credit card statement showing the purchase made on XX/XX/XXXX.
Product: Vehicle loan or lease

You discriminated against me and did not approve my application requesting to extend credit meaning you failed/never tried to make me a counter offer. Now I'm very aware that the credit score is a factor, but it isn't the determining factor as I'm being told it is. I've submitted an application, pursuant to 12 CFR 1002.2f, to extend my credit to me. This, to my understanding, was to be treated as a consumer credit transaction ( 15 USC 1679a ( 2 ). Being that I am an applicant pursuant to 12 CFR 1002.2 ( E ) I'm requesting an extension of my credit. How can I lawfully be denied extension of my own credit? 12 CFR 1002.2 ( h ) defines Consumer credit as credit EXTENDED to a natural person primarily for personal, family, or household purposes, in this case a car. Fact, this is a violation of 15 USC 1611 being that CAPITAL ONE AUTO FINANCE gave me false information. You are willingly and knowingly denying me extension of my own credit. CAPITAL ONE AUTO FINANCE has DISCRIMINATED against myself with an adverse action. Credit is the right granted to me under law 15 USC 1602 which Congress has set into place to protect the consumer. 15 USC 1681a, 12 CFR 1002.7 denial is an adverse action under congresses definition not mine. Congress not myself explanation of ACTIVITIES CONSTITUTING DISCRIMINATION says it shall be UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANTS WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION. 15 USC 1691 the law is clear on this and Congress placed these laws to protect the consumer from Discrimination and unfair banking practices. CAPITAL ONE AUTO FINANCE has continued to be willfully negligent and noncompliant on this matter. Corporation policies do not supersede law. This could lead to criminal liability and civil liability for CAPITAL ONE AUTO FINANCE if chooses not to rectify this matter which is in the best interest of CAPITAL ONE AUTO FINANCE. I being the card holder as defined by 15 USC 1602 have received no benefit from this matter which under 15 USC 1602 ( p ) you have unauthorized use of this card. Adverse Action against a consumer is against the Law according to the Equal credit opportunity Act which is codified in 15 USC 1692 and is pursuant to civil liability under 15 USC 1692k. 
Since the letter you sent me dated XX/XX/2023, is both proof and evidence that I have been discriminated against, you are also criminally liable.
Product: Debt collection

Kohn claims to own a very old debt of {$17000.00} that had been ostensibly held by XXXX. Kohn has tried to sell this non-existent debt to others, i.e., its purported assigns. No facts in evidence have ever supported existence of any such debt being owed to Kohn nor its assigns. I have been contacted non-stop by Kohn 's assigns, using both my phone number and mailings, in bad-faith. Kohn is retaliating for my past CFPB complaints about their unlawful acts.
Product: Checking or savings account

I am now being charged for charge backs even though the money is available. In some cases NFCU has held the payment for more than XXXX hours in an effort to collect a fee. I feel like I am being retaliated against for reporting their misuse of power. It seems as though I am being attacked financially. Please investigate.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I purchased a cashier 's check in the amount of {$85000.00} for the closing costs for a home I am buying from US bank. I had the funds in my account. I closed with the title company on XX/XX/year>. On XX/XX/year> the title company called and informed me they could not process the cashier 's check as there was a stop payment on it. I called the branch I purchased it from, and they advised they dis not know why or how a stop payment was put on a cashier 's check as they are certified funds. They transferred me to the hot line. The hot line can not tell me why there is a stop payment on it. The funds were not put back into the account from where they were drawn. The title company is now showing as negative {$85000.00}. The hot line is telling me the only way to fix the issue is to go to the branch I purchased the cashier 's check from and see if they will issue another one. The representative can not guarantee they will. She has been trying to get in contact with the branch but they apparently are not responding. As well, I work Catastrophe insurance and am currently assigned to the XXXX and XXXX XXXX in the southeast and as such am scheduled to work XXXX to XXXX Monday through Sunday. I have the title company on a three -way phone call with US Bank support, but US Bank support is unable to provide any reasoning on why there was a stop payment on the check or how to fix it. If we do not get the funds to the title company, they will have to reverse the close and the effects from this could ripple for months and may cause me to lose the loan and the home. As of right now, I have been on the phone with US Bank for almost XXXX hours and nothing new has been figured out, either on why this happened or how to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act convergent account : XXXX XXXX  XXXX # XXXX, & XXXX XXXX  Acc. # XXXX, & XXXX XXXX Acc. # XXXX, & XXXX XXXX Acc. # XXXX, & XXXX XXXX Acc. # XXXX & XXXX BANK Acc. # XXXX & XXXX Acc. # XXXX Has Violated my rights. 
15 U.S.C. 1681 Section 602A. : 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 card or prepaid card

Hello so this doesnt really apply to me yet but a major issue numerous people are having is paying their bills with comenity bank because they are still doing a system update that has been going on for days now and its already causing problems with customers when their credit card payments are due usually companies offer you an alternative to pay your bill online or automated system the automated system sends you to a recording and then hangs up its very unacceptable because as soon as your credit card payment is late you get a negative mark on your credit report this is not fair to customers my credit card payment isnt due yet but Im making this complaint for other comenity bank members because Im sure some of them are having problems and comenity hasnt contacted w tone regarding this problem or what are they going to be doing for customers
Product: Checking or savings account

XXXX XXXX  shows an account open with XXXX XXXXXXXX XXXX   which is now TD Bank. I have tried to resolve this issue but I am getting no where with TD Bank.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible 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 or other personal consumer reports

Subject : Dispute of Account with XXXX XXXX Dear XXXX, I am disputing an account listed under my name from XXXX XXXX, as I do not recognize it and did not authorize it. Please investigate this account and provide verification of its validity. If it can not be validated, I request that it be removed from my credit report immediately. 

Account Details : Creditor : XXXX XXXX Account Number : Attached are copies of my ID and proof of address for verification. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Vehicle loan or lease

Ally  Auto owned the loan to my XXXX, in mid XX/XX/XXXX my husband sent them a check for {$25000.00} which should have more than paid off the loan. In late XX/XX/XXXX I called to find out why the check had not cleared and found they had posted the check for only {$25.00}. It took over a month to clear this up. The check has now been correctly posted for {$25000.00} and a refund of {$1400.00}. ** was supposedly mailed on XX/XX/XXXX. I called to find about my GAP refund and was told it was included in the refund ( it is not, the math doesn't work ), I was then told that GAP refund would take 45-60 days. I had cancelled the GAP insurance in early XX/XX/XXXX through the dealership ... I called XXXX XXXX and they confirmed that the refund they issued cleared their bank on XX/XX/XXXX. I called Ally back and gave them this information, after transferring several times they stated that they found the refund {$410.00} but it would still be 45-60 days. I feel I shouldn't have to wait this long, especially since they have had the money over 30 days and that they should be paying me interest on the money they have held over 10 days ( that is more than enough time to cut a refund check ). As of today I have not received refund of the overpayment or GAP they owe me.
Product: Checking or savings account

To whom it may concern, I am writing to complain citi bank 's extremely sloppy action regarding dealing with customers 's service. My checking account underwent a fraudulent activity in which my whole money around XXXX USD was stolen and transferred to another unknown debit card in XX/XX/XXXX. Because of this, the bank closed my account without any notice. I immediately called the customer service to report this fraudulent activity and was told that I will receive the original amount of money within 60 days via check. During the six days, I constantly checked with the customer service and got the same answer. Besides, I was advised to open a new checking account and they will deposit my funds to the new account. Within this period, I only received one letter from the bank stating that the money transfer did not go through without stating anything about my funds. After more than 3 months, I did not hear anything. I called the customer service everyday and received the same answer there was not any information related to my account. And one representative suggested me visiting one branch. I visited one branch in XX/XX/XXXX, the banker asked me to follow up in 24 or 48 hours. But I emailed and called the banker without any response. I just want to report citi ' extremely irresponsible service.
Product: Student loan

I recently contacted XXXX via its website concerning my student loan payments. Specifically, I requested copies of my original loan documents, and an explanation as to why my monthly auto-debit amount fluctuates some months. I wanted to verify my original loan terms and amount regarding the loans taken over by XXXX from XXXX Bank and XXXX. To date, I have not received any response regarding my loan documents or the changing monthly auto-debit amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2023, to remove personal information that I don't want on my credit report. Here are my tracking numbers : # XXXX # XXXX. 

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 6802 no financial institution is supposed to share my information to 3rd parties.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

I am submitting another complaint regarding several unresolved issues that demand immediate attention. According to FCRA section 605, it is imperative to remove any items listed on FTC REPORT # XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report # XXXX. I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MD XXXX XXXX Please note that you have a four-business-day window to remove the reporting of any fraudulent items from my credit file. I do not consent to XXXX or any form of automated verification. Your swift attention to this matter and a response within four business days would be highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing all incorrect information from my credit report with Equifax to help my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights XXXX has violated my rights XXXXXXXX has violated my rights XXXX has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights XXXX XXXX XXXX  has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights XXXX XXXX has violated my rights XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX  has violated my rights XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX has violated my rights XXXX card has violated my XXXX XXXX ser has violated my rights XXXX has violated my rights Workers credit union 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: Debt collection

I had a rental property in XXXX, Georgia from XXXX to XXXX till XX/XX/XXXX. The utilities company was XXXX  XXXX XXXX. I started received collection notices from Convergent Outsourcing Inc in XXXX from bills from XXXX XXXX XXXX that they said I owe. They reported the unpaid debts to reporting agencies few times. I wrote few letters to them about the bills & asked for the authentication of the debts and finally after providing all the documents requested by XXXX XXXX XXXX ( Police report from my home residence, sale documents of the property in XXXX ) they sent me a letter in XX/XX/XXXX that the account is not mine. But Convergent Outsourcing Inc. are still trying to mess up with my credit reports. Once a while they re-aged the debts and reported to reporting agencies then took it out after I dispute it. It's happened a couple times & they still tried to call me as recently as last year. Yesterday I received another collection bill from Convergent dated XX/XX/XXXX. I am really sick & tired with these harassments. Please help me to put an end to it & this Company is need to be warned & penalize for abusing my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a letter to a credit bureaus 3 or 4 times requesting they removed items from my report yet they havent respond to any of my letters
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/PPC is reporting that I was late on a payment which is totally incorrect. I have never ever been late as you can see from my credit report. One report reflects i was late in XXXX while another report reflectsthe same exact account was late in XXXX. This information is totally inaccurate and my ask is that you will PLEASE conduct an investigation into this inaccurate information that is hindering me from continuing to become the best version of myself. This is causing my health  to go down so please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion credit reporting about an incorrect account reporting on my personal credit bureau. The account reports that an XXXX XXXX   account was included in a Bankruptcy which it was not. TransUnion credit reporting refuses to remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Only XX/XX/XXXX  someone submitted a fraudulent credit card in my name. When I received the notification, I contacted the credit card company and informed that I did not submit an application. I explained that it was fraud and to cancel the application. They told me to contact the FTC and file a report.
Product: Credit card or prepaid card

my card was stolen and my son who is on duty was overseas there claiming this signature which is just a line is mind or my families which is not this is not our signature nor is it my sons or my daughter who live in my house but where over seas at the time and there is proof penfed made this decision illegal knowing its fraud and are violating my rights under the FCBA they need to be investigated as this is a routine matter they deny legitimate fraud claims the XXXX police report number is for the fraud is XXXX phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. 

My report dated XX/XX/XXXX reported 14 90 day lates. But then on my report dated XX/XX/XXXX the information changed to 31 90 day lates. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a 108 point difference between XXXX and XXXX. At a minimum I am requesting that this company report to XXXX the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from XXXX allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screens of my XXXX and XXXX credit reports showing the difference in reporting which is causing the XXXX credit score to be retarded by 108 points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the XXXX score and the XXXX score ( Fico reason codes ) is that XXXX is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if Capital One is deliberately misreporting this item ( with recent delinquent activity ) on XXXX in order to damage my credit score. 

Several months ago I negotiated with Capital One and paid off the outstanding balance and as a part of the settlement agreement they agreed to remove the payment history which they did follow through with on my XXXX credit report however they did not on XXXX  and you can see the result in my credit score disparity as explained above.
Product: Mortgage

I got dumped on this company ( Greentree Servicing LLC ) by XXXX back XX/XX/XXXX. They are trying to put me into a forced escrow account. It 's been a battle to no availe since XX/XX/XXXX.There is ABSOLUTELY no one to discuss the matter with ( only cust svc reps XXXX. I have paid all my required interest pymt, s on time w/add, l principal paymt, s. All my taxes are paid up to date. They are holding back my pymt 's and not applying my interest / and or principal pymt, s. To make a long story short ... ... ... ..they have implied and told me that they would start foreclosure proceedings on our property. I have NEVER been late with a mortgage pymt. THEY ARE ALSO IN THE PROCESS OF RUINING MY CREDIT!!!! They are saying that I.m not paying my mortgage. The issue is the escrow account I can elaborate further later on. I am XXXX yrs old XXXX ; as is my partner XXXX wife ) to be. I am XXXX a Veteran and we are ( were ) in the process of applying for a VA loan. This company has made a shambles of our plans. What they are doing, is unethical ; probably illegal and have from the beginning ; been unwilling to discuss this issue. YOU CAN ONLY TALK TO A CUST SVC REP!!!!!!! IT, S A JOKE ... BUT NOT. I HAVE ALL DOCUMENTED INFO ON MY PYMT, S, AND FROM THE LOCAL TAX OFC. By the way ; I believe this company has been practicing their tactic, s for some time. As we speak ; they, re changing their name again XXXX ... Please help us with any assistance you can provide us.Thank you