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

I had a credit card account with XXXX until XX/XX/2020. I called the credit card company " XXXX  '' to cancel my account because they charge me annual fees which I paid up till that point XXXX. they sent me a letter acknowledging the cancellation request. 
I cut the card up as directed I never used the card again, Then in XXXX, they charged me the annual fees again even though the account was canceled already. I called their attention to it and I was then assured that all will be taken care of. Then in XXXX, they charged me another annual fee installment with a late fee. 
Then they went ahead and put all these late fees and 30 days late on my account with the credit bureaus I called their attention to it they corrected the account on their own and I have been calling them to correct the credit reporting since it was their error. 
This reporting has had a negative impact on my credit and records Will like XXXX  to correct my records without delay with the three credit reporting agencies. 
.
Product: Checking or savings account

XX/XX/XXXX, at XXXX at Capital One ATM XXXX, XXXX, TX, I tried to withdraw {$500.00} of mixed accounts {$100.00} XXXX $ XXXX $ XXXX $ XXXX Total {$500.00} The ATM stated on the screen it was dispensing cash, but nothing was coming out. I tried to cancel transaction at that point. Something flashed on the screen about an error. Then a receipt printed out that the money had been withdrawn. I went into the branch to let them know. They said I had to call the number on the back of my card. I needed the {$500.00} for a specific project that day so I went ahead and got it out of the ATM in the lobby and proceeded to call the number. I later went back to the branch and they said that an ATM audit was done. They assured everything would be okay and usually it takes less than what they say it will take. I called the number again on the back of my card and they said they were waiting for the branch. I asked more questions at the branch and they said didn't have anything to do with that ATM. It was serviced by XXXX. I called the customer service today and asked about the number of XXXX and I couldn't get it. He continued to say they are waiting for the branch and then he asked if I could get a provisional credit from the investigation team. They told him no, I have banked at Capital One formerly known as XXXX XXXX Bank since I was XXXX XXXX XXXX. Not to be able to talk to anyone face to face ( like back in the day customer service ) and not getting real time results such as immediately reviewing the video and checking the balance of cash in ATM, etc with an audit is disheartening to have to continue to wait or not " trust '' me with a provisional credit. I have had a direct deposit coming into that account from the same place for 8 years and banked there for over 30 years. I haven't received an email or letter that there was an investigation or any follow-up. On another side note, the day before I went into the branch to take out {$500.00} for the same project which I shouldn't have to explain. It is my personal account. The lady directed me to the inside ATM instead of the teller and I had driven across town to go inside in the first place. We only have one branch and three ATMs in XXXX. I really don't like to get that large amount of money out of a machine. I needed to go to XXXX XXXX XXXX  for our summer program on the day of the XXXX, the day my {$500.00} did not come out. XXXX XXXX XXXX is right beside the branch. So I knew the lady would point to the ATM as she did the day before when I walked in so I decided just to drive through and that is when that stupid machine didn't give my cash back ( XX/XX/30 XXXX ATM XXXX TX XXXX XXXX that is still in dispute as of XXXX.
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 has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights.

I have also sent NUMBEROUS request for them to update my personal information to the current information sent with my disputes and they haven't done so. This violates [ 15 U.S.C. 1681 ] ( a ) ( 4 ) - States I have the right to privacy.

[ 15 U.S.C. 1681b ] ( a ) ( 2 ) - It also states a consumer reporting agency can not furnish a account without my written instructions [ 15 U.S.C. 1681c ] ( a ) ( 5 ) - 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. 1681s2 ] ( 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.

[ 15 U.S.C. 1681I ] ( a ) ( 1 ) ( 2 ) ( A ) - 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.
Product: Debt collection

Received collection notification from XXXX XXXX. I asked fro writtne proof of my obligation, never provided. Have filed multiple disputes through XXXX to no avail. From what I can tell according to my Credit Report, the charge is for Sycrony Bank / Paypal. Again, I have no dpocumentation supporting my obligation. 

I am a responsible borrower. I pay my debts. When I am charged for something I have no knowledge of, I expect to receive cooperation. To-date, I have been unsuccessful.
Product: Mortgage

I applied for a home loan from Wells Fargo Home Mortgage, in the amount of $ XXXX for the purchase of a $ XXXX home. I was to supply $ XXXX, as the down payment, which I had from the sale of my prior residence. I applied for the loan in earlyXX/XX/XXXX, and was given a " pre-approval '' letter from Wells Fargo, and told to we could go shopping for a house. We finally found a home in early XX/XX/2020, and made an offer. We were told repeatedly by Wells Fargo representatives that we did not need to put a loan-contingency in the home offer, because we were " pre-approved ''. I was told repeatedly by the loan officer that all we would need to do next is to provide some updated financial information to the information we had already provided, and we would be ready to close the loan on time at the end of XXXX. We were excited that the process would not be difficult, because we were pre-approved. Then the nightmare began. We were asked for an initial batch of additional information such as updated 2020 tax returns, and account balances, then they came back again, and asked for more info, and again ... .all in total they came back 6 times and requested over XXXX pages of additional financial information, which took close to XXXX hours to collect. Many of these requests were completely ridiculous, such as in one request they would ask, why did you make a debt to this account here for this amount. We wrote a letter of explanation, only for them to come back in the next round saying why did you make a credit to this account for this amount. Like they didn't read the answer to the previous question. It got me thinking, no reasonable person is asked for this much information after they have already been approved. It's almost as if they were digging for any reason possible they could find to decline the loan at the last minute. I am certain this has something to do with the bank 's response to the COVID pandemic, and they are taking it out on loan consumers by coming up with ways to nit-pick loan applications to death in hopes they will go away. I finally got sick and tired when they made a 7th request for more information, and I told them I just didn't have the time to work on digging up more paperwork for them. They actually suggested I hire an assistant to help me do it, knowing full well the amount of additional effort they were asking me to do to provide them info. Regardless, now I am stuck. I didn't have a loan contingency in my loan because I was instructed " I didn't need one '', repeatedly by Wells Fargo. They have told me that if I don't provide the additional information immediately, they will cancel the loan, and it will be my fault they cancelled it, and I will lose my {$100000.00} deposit. The house closes on the XXXX of XXXX. I am now scrambling to figure out what to do.
Product: Debt collection

I applied for housing to relocate with my mother who is XXXX. We were denied based on a debt listed on my account that is not mine. My report lists the following : The Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Original Creditor XXXX Stores Online {$3900.00}
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, Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX, Account nameXXXX, Account name : XXXX, Account name : XXXX, Account name : 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, 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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 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 follow items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Unauthorized Hard Inquiries on my report on XX/XX/2021. I do not recognize this and find it to be inaccurate.
Product: Debt collection

I sent LVNV Funding a certified letter on XX/XX/2022 informing them that I was a victim of Identity theft. According to the receipt they received my letter on XX/XX/2022 at XXXX. As of today XX/XX/2022 LVNV Funding is still trying to collect on a debt that was required due to Identity Theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). LVNV is making a conscious effort not to follow the FCRA Guidelines and continue to report fraudulent information and XXXX  is allowing this to stay on here. I am submitting this complaint as a record to show that LVNV Funding and XXXX are not following the FCRA in the event I have to take further legal action. I expect this account to be deleted of my credit report IMMEDIATELY when XXXX and LVNV receives this complaint. It has been over 30days since LVNV Funding have received my letter. Also XXXX has added the Fraud alert to my file but still has NOT deleted the fraudulent activity that was reported. I will be attaching my police report and a few other documents with this complaint. 
Also I will be forwarding this complaint to the other Bureaus so they also can be on alert for this fraudulent account.
Product: Payday loan, title loan, or personal loan

I was approved for a loan with Avant in XXXX. This loan was settled as of XX/XX/XXXX. On XX/XX/XXXX I received a credit monitoring alert that I had a late payment. I emailed their support team via a support email provided on their website with no response. On XX/XX/XXXX, I received an alert that I had a balance of {$7000.00}. I checked online with my Avant account and it showed a {$0.00} balance and that the loan was settled. I called and was hung up on three times before finally getting through to someone who transferred me to a " payment specialist ''. XXXX verified that I did have a {$0.00} balance and told me to email their resolutions department and attach any details. I sent my XXXX credit report and screen shots of my account showing {$0.00}. I can not get through nor get a reply. They violate the FCRA by 1. ) reporting 4 years after the account is settled, 2. ) reporting the account as " charged off '' rather than " settled '', and 3. ) reporting that a balance is owed when my account clearly shows a {$0.00} balance. I have disputed this to all three credit bureaus, filed a complaint with the XXXX and am now publishing a complaint here.
Product: Credit reporting

I had previously disputed this items several times on my credit report with Equifax only, for XXXX XXXX. I have sent them XXXX 's received from XXXX in 2014 taxes paid on this forgiven accounts. And they 're still showing balances when it should show settled and XXXX balances.
Product: Student loan

I emailed, mailed, fax and spoke to loan provider many times asking for settlement of one loan and deferment of 2 other loans, because I am doing my residency until XX/XX/. Each time I called, I was informed that my financial statement will be forwarded to upper authority for consideration. Now they are sending me and my cosigner letter, asking to make payment before XX/XX/2024 or they will put loan in default. No one ever call or answer my email or fax regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents including a copy of my complaint to the credit bureaus, my police report, a letter from my federal XXXX XXXX, a copy of my complaint to the ftc for identity theft, and a copy showing what date the credit bureau received my complaint about identity theft appearing on my credit reports. 

I am the victim of identity theft. It is my understanding that once notified, the credit bureaus have to remove the fraudulent accounts from my credit reports within 4 business days. They have not. I am still fighting to get these fraudulent items off of my credit reports. I was XXXX  for a number of years and the attached police report detail and the letter from my XXXX   XXXX prove that. Yet these fraudulent accounts have not been removed from my credit report. This is severely hindering me from being able to obtain credit myself. Please help me to resolve this matter.
Product: Other financial service

I am highly dissatisfied with Lexington law firms credit repair services, the advertisement states the there is no up front fee, and guarantees your credit will be repaired in 30 days. I have been a client of this company for over a year and have seen no improvement in my credit. I was charged {$99.00} a month for this time.
Product: Credit card or prepaid card

On XX/XX/XXXX, Capital One did a hard inquiry on my credit report. I did not apply for a credit card nor authorize Capital One to make an inquiry on my credit report. I found out about the inquiry through XXXX XXXX, who sent me an email. 

Two days later, I received an email again from XXXX XXXX stating that there were more hard inquiries on my credit report. These were from department stores Kohl's/Capital One, XXXX XXXX/XXXX XXXX and XXXX XXXX/XXXX. Again, I did not apply for any credit cards nor authorize any of these department stores to run my credit. 

On XX/XX/XXXX, I called Capital One to inform them and also filed a dispute. Per XXXX, the person I spoke to, there was no card issued. I was also able to contact XXXX XXXX/XXXX XXXX and informed them of the ID theft and filed a dispute. Per XXXX, there was no card issued. 
I also contacted Kohl's/Capital One in the next few days and XXXX XXXX/XXXX on XX/XX/XXXX. 

In the next few days, I received credit cards in the mail from Kohl 's and XXXX. I called them again to let them know that I did not apply for any credit cards and I already filed a dispute and ID theft complaint. I cut the cards because I did not apply for any of those. I was told that there are no charges on the cards and I am not responsible for any charges ( if there would be any in the future ) associated with those cards. 

I am currently waiting for the outcome from all the investigation from these 4 banks/credit card companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, TransUnion and XXXX  about the validity of accounts on my credit report on XX/XX/XXXX XXXX 30 days ago ). I have not received a response from them. 

XXXX, TransUnion and XXXX  are not complying wither their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

I think that under FCRA 605B, we need to remove any inaccurate accounts from my credit report. Can you examine the documents? Some of the accounts have incorrect reporting, including inaccurate amounts and dates.
Product: Bank account or service

I had a check deposited into my account in the amount of {$800.00} on XXXX/XXXX/15. On XXXX/XXXX/15 the check was delayed depositing and then they said it had been returned. I have proof that the check written has already cleared the other individuals account. I was also charged an overdraft fee of {$36.00} and returned item fees of {$180.00} all on XXXX/XXXX/15, which is a day after the check was deposited into my account. I contacted BB & T and they said they had only the information that the check was either returned for a various amounts of reasons. I then again explained everything and asked to speak to someone else. This is when the representative told me I would receive a call back in 24-48 hours. I am extremely unhappy and beyond frustrated.
Product: Debt collection

on XXXX XXXX i sent a certified letter to oliver adjustment requesting validation ( a signature showing i have a contract with, owe money to or have ever done business with them ). it was signed for on XXXX XXXX after 30 days, this company has not sent me any validation of the so called debt, nor have they marked this disputed as i have pulled my credit report this morning and time stamped it. they have broken Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] by not doing either in the required 30 day by law
Product: Credit reporting or other personal consumer reports

I am sending these request for the removal of an inaccurate address from my credit report. The address listed below does not belong to me and should be removed from my file immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company continues to call at least 5-10 times a day even though they have been told not to call. They use numerous different number to call from. I have even blocked some of their numbers after warning them. This is not even a valid debt. It is causing me several different health problems that I now have to take medication for since the XXXX  is so bad.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting or other personal consumer reports

Privacy and confidentiality under 15USC 1681. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.