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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On show on XX/XX/XXXX, I deposited a check for {$2700.00}. I did not get the money till XX/XX/XXXX. They Said it was because I had a new account, but I have had my account with them for XXXX  years and it was just a new account was open because of fraud on my account so it wasnt a new account they would not give me any of the money until the XXXX
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Bank XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

I have experienced a financial hardship and this item is reporting as a chargeoff ; however, I have not received a 1099 form. Could you please send me a copy of the 1099 for tax purposes? 

Capital One Auto Finance
Product: Vehicle loan or lease

XXXX and XXXX credit Bureau both has been false reporting my credit for the last three -years in a row. They have been contact several times as the inaccuracy of the practice of reporting after my car accident they were paid and settled out and they continue to report well past the payoff and turning my account in to a charge-off creating a removal date of XX/XX/XXXX creating several denials for automotive applications as following : XXXX XXXX XXXX appl # XXXX on XXXX ( denied ), XXXX XXXX XXXX XXXX XXXX reference # XXXX XXXX XXXX App ID XXXX on XXXX XXXX XXXX on XXXX XXXX App # XXXX XXXX XXXX app # XXXX listing a collateral of XXXX XXXX XXXX XXXX 2wd '' my car was a XXXX XXXX XXXX , XXXX XXXX XXXX App # XXXX on XXXX XXXX XXXX App # XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX Appl # XXXX, XXXX XXXX App # XXXX on XXXX XXXX on XXXX XXXX XXXX XXXX app # XXXX , XXXX XXXX Appl # XXXX on XXXX , XXXX XXXX Reference # XXXX on XXXX XXXX on XXXX  at a credit score of XXXX XXXX XXXX XXXX XXXX Adverse Actions on XXXX , XXXX XXXX on XXXX XXXX XXXX XXXX Appl # XXXX XXXX XXXX , XXXX Appl # XXXX XXXX XXXX Score XXXX XXXX XXXX app XXXX score XXXX on XXXX XXXX XXXX appl # XXXX on XXXX, By turning account into a charge-off they are able to keep account on the credit report inaccurately I'm applauded after XXXX car accident in a roll of someone hitting me and founding these major errors, Finally, the default months are after settlement dates car accident on XX/XX/XXXX Pymt date of XXXX XXXX on XXXX Senior Rep at XXXX name XXXX  claims Payment came in sometime in XXXX XXXX. Hopefully someone there processed the payments ( investigate ) spoke w her on XX/XX/XXXX over a recorded line exactly at XXXX on Tuesday she stated that both payments are there but they continue to not report my credit properly causing me credit denials, higher interest rates, higher payments for cars and bad purchases for vehicles that breakdown quickly..
Product: Credit card

I have PayPal Credit Card. PayPal offers XXXX  XXXX  with 6 months deferred interest on purchases over {$99.00}. You can complete your transaction on the PayPal app. I recently paid for professional services of dancers and used the PayPal Credit Card to pay for those purchases. The amount involved is approximately {$1400.00} ( two separate transactions ) on XX/XX/year>. The dancers did not want to incur the fees charged to withdraw the money and asked me to send it as friends/family. I thought that I would be absorbing the fee so that the dancer could receive the amount we agreed to for services. If they had increased their charge to cover the fee, because the amount of the fee is based on the amount of the transfer, it would increase proportionally. PayPal says using friends/family to send the money caused the payment to be treated as a cash advance. Although, sending the money to pay an individual would have resulted in the same characterization, i.e. a cash advance. Cash advances do not receive the special financing terms of 6 months deferred interest and begin to accumulate interest immediately at 29 %. This is where the XXXX XXXX terms become a bit more layered. I have a transaction under the XXXX XXXX that is about to expire and if the balance is not paid in full by the expiration date, then the deferred interest is added to the balance of the account. PayPal notifies you when a XXXX XXXX promotion is expiring and the amount you must pay to avoid the deferred interest. My expiring promotional balance is {$1600.00}. The amount that I must pay to avoid the deferred interest is {$3000.00}. The reason the amount to avoid the deferred interest is {$3000.00} is because PayPal applies any payments you make to cash advances first before the special financing terms. Although PayPal will allow you to allocate your payment to the XXXX XXXX promotion to avoid the deferred interest. I am now in a situation where I have inadvertently taken a cash advance at 29 % interest and potentially more based on other Special Financing promotions that I may have. There should be clear explanation that a transaction constitutes a cash advance and is not eligible for the promotion. I believe PayPal is aware of this practice and I believe that it is misleading and deceptive to have consumers believe that they are purchasing something under the XXXX XXXX terms only to find out that it was not eligible after the fact. This transaction can lead to financial hardships for the uninformed consumer, especially in the current economic climate with increasing interest rates.
Product: Credit card or prepaid card

On XX/XX/XXXX nine unauthorized purchases was made through my AFFIRM account for {$200.00}. each. I contacted AFFIRM within minutes of being alerted of the purchases about the fraudulent activity. The customer service represented took my information and made a claim for investigation. Meanwhile the loans were pending and on XXXX XXXX each loan they were all approved. I was able to cancel the mattress purchases of {$360.00} made through XXXX for a crib mattress. 

And on XX/XX/XXXX, I received a follow up letter with the incorrect loan number stating that I am responsible for the loan. I have tried contacting AFFIRM both through email and call to clarify the loans and to get more information as to where these purchases were made. Till today I have had no success. My calls aren't being answered nor my email mails are being replied. They have also blocked my ability to access my account through their help center. However, the loans continue to be active. I received another notice from them from them about another purchases on XX/XX/XXXX that they rejected because they could not access my XXXX ID. 

IN between I made a police report and I also alerted each credit bureau and froze my accounts.
Product: Debt collection

The collection account is not mine. I have repeatedly filed disputes through XXXX, XXXX  and XXXX  and the collections agency will not provide the documentation I requested proving the debt is mine. I do not have any knowledge of this account. I even tried contacting the company and ask for proof or validation that the account belongs to me and all they send are the typical credit card paper statement. This is not proof. I want to see where I signed an application or proof that it was me that created this debt. All they send are statements. I want to see solid, legal documentation that the debt was incurred by me.
Product: Debt collection

I have been receiving calls from a company named Portfolio recovery they use spoof numbers every time they contact me. They have contacted me daily since XX/XX/year>. I have blocked every number they have called me in. They are a debt collector but I know this is spam since I have no debt.
Product: Debt collection

Good day, I can not express enough how exhausting and overwhelming this situation has been. Imagine waking up to discover a debt that isnt yours, completely unverified, and finding yourself harassed through countless channels with various tactics. Its beyond frustrating and deeply unsettling to face threats of legal action over something I have no connection to. As a XXXX XXXX, this feels like a blatant violation of my consumer rights. The stress is affecting my XXXX  XXXX, and Ive spent several sleepless nights worrying about this matter.
Product: Credit card

On XX/XX/year>, I tried accessing my account online and was unable to do so. I called and spoke to XXXX and XXXX but they were unable to help me. 

Please help me to gain access to my account. 

Thank you. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I want to bring to your attention, once again, that XXXX XXXX Original Creditor : XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX Account # : XXXX has been removed and re-added multiple times by your agency. I am outraged by the changes and decisions that your agency has made, highlighting the inconsistencies and irregularities in your records. I have noted the removal and re-adding dates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This repeated action is not only unhelpful but is detrimentally affecting my credit files. 

In my understanding, if a company puts back an account on a consumer 's credit report after it was removed, the credit reporting agency ( CRA ) must : Tell me within XXXX business days that you put the account back. 
Provide me a written notice including : > A statement saying the disputed information is back. 
> The name and address of the company that gave you the information, and their phone number if available. 
> A notice telling me that a statement can be added to my credit file. 

This is important because before putting the account back, the company that provided the information must confirm it's accurate, and this notice is a way to show that they did that. It also lets me dispute the information if I think it's wrong. However, your process appears biased and lacks my attention and approval. 

Moreover, I request further proof and evidence of the persistently incorrect and misleading accounts added to my files to understand how your verification was done. I strongly demand the complete removal of these accounts from my credit report due to inaccuracies and contradictions of your reported items. Specifically on the following : 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 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  I expect a prompt resolution to prevent further damage to my credit profile. 


Sincerely, XXXX XXXX
Product: Mortgage

Hello I need help. I have a mortgage that is guaranteed by USDA. Due to the loss of roommate income I entered into the Covid forbearance. I am in a position to resume mortgage payments now, however The Bank of Oklahoma who now holds the loan is offering me to make a lump sum payment of $ XXXX XXXX or a three month repayment plan. Neither of these options are affordable for me. 

Please advise other options I may have. I believe the bank is mistaken in their responsibility to assist homeowners to resolve their amount due. 

I am talking to a mortgage broker about paying off the entire note including the deferred amount of $ XXXX but I am told that there are regulations that prevent another mortgagor from refinancing until the forbear amount is paid off. 

Please advise as I understand my forbearance is ending the end of this month and I'm not sure what to do. 

Thank you for your time XXXX XXXX cell : XXXX XXXX, TX
Product: Debt collection

I received a letter stating that this account would be removed directly from PORTFOLIO RECOVERY # XXXX they failed to provide proper validation and verification as specified in FDCPA Act. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit. I am sorry what affidavit? I was unable to find anything that shows, PORTFOLIO RECOVERY, or any third party law firms and collection agencies are in accordance with the Georgia law. 7-3-8. License required ; application ; fees. Rule 120-1-2-.07 Procedures for the Licensing Process,7-3-8. License required ; application ; fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Capital One credit card this card was disputed on or about XXXX, I became very ill and XXXX XXXX XXXX and had to depend on nurses and health care workers while having to undergo XXXX XXXX XXXX XXXX XXXX XXXX  and was not able to care for myself. During the time of my recovery, medical help was hired to care for me and to take care of bills and personal needs. stole my credit cards by using them without my authorization. please be advised that all my capital one cards were paid and I always had a perfect record of paying my bills. not having my XXXX was very scary and having to rely on people not only to take care of me but, to pay my bills and to run my household as if I was to do it. The problem is these people destroy my home stole my personal things and all my credit cards and destroy my credit by an identity thief. 

I'm pouring my heart out I'm so tired of going back and forth trying to explain why this or how this has to happen to me. please understand as soon as I realize this was going on I reported this to the police and I put my home insurance company on notice. I have reported these credit cards to capital for the last several years. again, please remove the late data off of all the credit cards that you have not removed but you assigned all my credit cards new numbers and removed unauthorized charges and late charges I did not occur. again it has been several years that I have been disputing and I'm trying to start a new begining. please understand i have reported to the police and my insurance company you have the police report. I don't know what else to do but i can get a letter from my insurance company. If you review your files and recordings and the investigations you will see that i have been doing all that is required. 
these late data is causing me to suffer and it is not fair that I was a victim I XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX 30,60,90,120 DAYS XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THIS IS A VERY DIFFICULT ACCOUNTS BECAUSE THE ACCOUNTS WERE BEING USED BY DIFFIENT HEALTH CARE WORKERS AND I DIDN'T KNOW IT WAS IN HOW OR WHO, THE ACCOUNTS WERE CHANGED BY THE COMPANY MANY TIMES. IM NOT RESPONISIBE FOR THE FRAUD. 

IM AVAILABLE FOR QUESIONS. 


TOTAL OF CREDIT CARDS IS 4, ONE ACCOUNT IS IN CHARGE OFF PLEASE IM ASKING FOR MY ACCOUNTS TO CURRENT AND ALL LATE DATA OFF AND CHARGE OFF TO BE REMOVE. I ASK AND SEND MANY POLICE REPORTS.
Product: Mortgage

Bay View Servicing at XXXX continues to call us daily even though we have never been late on our mortgage payments. We asked that they stop calling over XXXX days ago. They continue to keep us on a dialer.
Product: Bank account or service

I have opted out of debit card overdraft, meaning they should decline all debit card transactions when there is no money in account. They put through a XXXX charge which overdraw my account by {$3.00} and they assessed a XXXX dollar fee. I called and they were able to reverse the fee and it left my account negative. I was not informed if I left it negative they would then assess another XXXX dollar reacurring fee. Now because they waived the XXXX fee there is nothing they can do I ca n't even close my account until it is paid, because I will receive another fee because I only get paid once a month.
Product: Student loan

I have contacted FED STUDENT LOANS via XXXX and through Experian, XXXX and XXXX. REcently it was transferred to XXXX XXXX and the only creditor to respond was transunion. Please help remove these loans i went through a Chapter & bankruptcy and i have reported to them to remove the missed payments and remove the loans and two creditors are still reporting. I can included the adversary proceedings and the dates the payments were supposedly late were actually in bankruptcy.
Product: Money transfer, virtual currency, or money service

I paid {$6100.00} in full with an ECheck for payment of a Great Rivers of XXXX XXXX with Vantage Deluxe World Travel on XX/XX/2023. The trip has since been canceled by XXXX and many hundreds of others are affected. They lowered the price of the trip with the caveat that you paid for the trip with an ECheck or essentially with cash. They had your money and no intention of running this trip and many others. I was notified on XX/XX/2023 that the trip was canceled. I found out all the trips scheduled with XXXX were canceled through XX/XX/2023. They are still selling trips after this on their website. I immediately asked for a cash refund and was told it would be noted on my record. I sent XXXX an email with this request which has had a generic response of processing the request. I have yet to hear anything about a refund of payment. I did purchase the XXXX XXXX XXXX from XXXX included in my pricing. XXXX covered XXXX XXXX of this trip which was prior to departure of the trip. XXXX XXXX XXXX covered me when the actual trip departed. With XXXX responsible for the coverage of the trip which they canceled in full is a double whammy. My reservation with XXXX has been canceled. I explained this to XXXX in the XXXX XXXX of JP Morgan Chase and she said her system did not allow the claim to be filed.
Product: Debt collection

My husband and I had credit cards through XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX XXXX, which was subsequently paid off with the XXXX loan. We received a judgment from First Resolution Investment Co for both credit cards stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to XXXX XXXX XXXX XXXX XXXX to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XX/XX/XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. We called First Resolution Investment who directed us to their lawyer at XXXX XXXX XXXX, XXXX who laughed when we told them we had paid this off and told us to prove it.
Product: Checking or savings account

On XX/XX/2023 I received an ACH deposit from taxes. Account access was immediately blocked and put into closure account has still not been completely closed almost 30 days later, not my Checking or Savings account! I want to end all relations with this banking constitution and receive my funds in full! I have contacted the XXXX  and filed complaints. This is causing me financial hardships and unnecessary havoc in my life. The funds are mine, in my name, into my account ; from a legit constitution, I do not understand why I am still being blocked from access to all of my funds!
Product: Mortgage

Mechanics Bank formerly Rabobank consistently and constantly applies our monthly payments incorrectly. Causing us stress as well as unnecessary late fees & penalties. We are continually on time monthly with our payments. 
We recently submitted a complaint and got a very professional letter and phone call of apologies ; expressing that it was done in error on their part and that it would be corrected and NOT happen again. That was incorrect. They continue to apply our monthly payments incorrect, assess fees and penalties to our account and report us negatively to all the credit bureaus. 
This has been in fact happening since 2011 at which point they put us into foreclosure did not rectify the situation we ended up paying XXXX for their errors/mistakes to get our home out of the foreclosure process. 
Each time I call this institution to clear things up I am told that our account is " Restricted '' and needs to be handled by the appropriate person. 
When we go into a branch to make payments or mail in payments they are VERY consistent with applying the payment incorrectly, assessing fees/penalties sending us late notices and phone calls. What can be done for our stress over ALL these months and years! PLEASE HELP!!