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

I am submitting this complaint against TransUnion as a result of their investigation into a dispute that I submitted against collection agency XXXX XXXX XXXX. I submitted a dispute on the basis of the company no longer owning the account but still reporting to the bureau in XX/XX/XXXX. XXXX XXXX informed me that the debt had been sold to another agency. TransUnion response to my dispute was that the debt was validated and updated the account by re-aging the debt which impacted my credit score. This response to my dispute should not have been updated as if it were a new account. 
TransUnion has not fully investigated my numerous disputes against this company and has only just updated the account as paid on XX/XX/20 after I provided a bank statement showing the account was paid. TransUnion has not addressed my multiple complaints that XXXX no longer owns the debt and should not be reporting on this account to the bureau. The payment was made to another company and not XXXX XXXX. This is a violation of the FCRA for both the re-aging of the debt as well as allowing XXXX to report on a Debt that they no longer own.
Product: Student loan

Hello, I am having a lot of issues with Navient which is the company that I have to go through for my student loans. Since XXXX of XXXX I have been trying to fix this problem where they have been making my payments XXXX dollars each month, and I just ca n't pay that. I have been calling multiple times each month to try and get this fixed, but every time they say it will work out, and you have to wait. Well by the time you wait to see if it does work, the payment is close to due, and it never does work so then they keep on making me do a forbearance to then repeat the process to try and " fix '' the problem. But it is getting out of control now and I thought this last time I contacted them it would work but it did n't, the payments are still the same. So now I feel like I am all out of options and just not pay my loans and just deal with the consequences. If they keep screwing me they wo n't get anything and neither of us will win. I have no documents to submit, all my interactions have been over the phone. Please, I could use help dealing with this company. I was young getting into this mess and I still do n't even know much about how this works. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their handling of my vehicle, which was stolen and subsequently repossessed without any notification or assistance. XXXX is currently threatening legal action against me, demanding that I pay {$16000.00}, despite the fact that my vehicle was stolen and I made repeated efforts to recover it. 

In XX/XX/2022, I discovered that XXXX, the towing company that had my vehicle, had been hiding it from me despite my multiple attempts to contact them. My father finally reached them under the pretense that he had funds to retrieve the vehicle, at which point XXXX stated that I owed {$11000.00} to get it out. I also reached out to XXXX multiple times to seek help in recovering my vehicle and my personal belongings, but they refused to assist in any way. 

XXXX did not notify me when they repossessed the vehicle from XXXX and failed to provide any paperwork concerning this repossession. When I called XXXX last week, they informed me that they do not issue documentation for vehicles that have been reported stolen. I find this to be an unacceptable response, especially considering my vehicle was stolen and I have a claim ( Claim No. XXXX ) XXXX XXXX XXXX regarding this incident. 

I believe XXXX actionsthreatening legal action for the recovery of {$16000.00} while refusing to assist or even notify me of the repossessionare not only unprofessional but may also be in violation of consumer protection laws. This lack of communication and assistance has caused me significant financial and emotional distress, as my personal belongings worth approximately {$30000.00} were left inside the vehicle. 

I kindly request the Consumer Financial Protection Bureaus intervention to investigate XXXX handling of this case and to prevent further unjust actions against me. Any guidance you can provide would be greatly appreciated. 

Thank you for your attention to this matter.
Product: Checking or savings account

Its been about 3-5 years ago someone stole my purse and use my ID, SSC and I had to file for identity theft. So now I have a code behind my driving license / SSCard so no one can use it but me. Navy Federal Credit Union blame me for opening up an account that I didnt open, I have sent them police report and information stating that it wasnt me but they still want me to pay for something I didnt do. 

Say Ive spoken to them on numerous occasions in the past 3 years but theyve refused to thoroughly investigate
Product: Credit card

It has come to my attention as of XX/XX/2024, upon reviewing my consumer reports with all three major consumer reporting agencies ( XXXX, XXXX, and XXXX ) I notice that there exactly 4 accounts reporting that are exactly the same. These accounts XXXX XXXX XXXX XXXX XXXXXXXX are being reported by COMENITY BANK. The accounts reported by COMENITY BANK are being reported as " No Data '' in the payment history which implies that both accounts are incomplete. These accounts have also been sold to a " debt buyer '' by the name of XXXX XXXX XXXX. I am aware that once a creditor closes and sells an account to a debt collector, that collection agency would own the accounts they purchased. So, if COMENITY BANK sold these two accounts that are also being reported by XXXX XXXX XXXX, why is COMENITY BANK still reporting them on my consumer reports? I have reason to believe this could be spiteful and deceitful behavior coming from COMENITY BANK. Now both COMENITY BANK and the collection agency are reporting the same account on my consumer reports. This is a violation of the Fair Credit Reporting Act 15 USC 1681 as it relates to unfair credit reporting. This is damaging to my reputation and misleading to modest creditors who legitimately do business in compliance with the law.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. I recently reviewed my credit report and noticed inquiries that resulted from the XXXX. I would like these inquiries to be blocked and removed.
Product: Vehicle loan or lease

This is the second complaint made via this website. The first being on XX/XX/2023 after the vehicle was repossessed. Upon going to my parking spot I realized that my vehicle was not there. After several inquiries to the apartment complex where I live, I came to the realization that Credit Acceptance must have had my vehicle repossessed. Upon speaking to a customer representative and a supervisor, they informed me that there was a problem with my automatic payments, and they had not received payments on our agreed payment arrangement for the months of XXXX and XXXX. I informed them that I was not aware of this problem and inquired why they did not send me any notices regarding the default payments via mail as has been the case in the past. The supervisor at the time stated that she was not aware of why that was, but if I wanted my vehicle returned I would have to pay a certain amount of money, or the vehicle would be auctioned. After the first complaint, Credit Acceptance stated that they sent out a notice. They further claimed that the person investigating the complaint was unable to reach me. However, the notices that were sent out were done on the actual date of repossession, XX/XX/2023 and addressed to my former residence. The second notice was sent to my current address on XX/XX/2023 discussing the investigation set forth by Credit Acceptance after I filed the complaint. There was no correspondence presented by the company to demonstrate that they attempted to send me any communication via mail or email regarding default payments or due process of repossession of the vehicle. They failed to mention that I did return the phone call by the person investigating the complaint, and that she stated that she would investigate the matter, and there was no more communication with my person. Considering that Credit Acceptance had not tried to communicate as all businesses/organizations do regarding a missed payment, it is my belief that Credit Acceptance utilized two months of missed payments to justify and make a profit not only on the remaining balance, but also on fees that would be accrued after the vehicle is auctioned. A tactic that I find to be very disingenuous as they promote their company as one of helping those acquire a vehicle when they can not get approved by other loan companies. For a company that prides themselves in helping people get into a vehicle, their lack to communicate caused an unnecessary financial burden. I had to cancel my auto insurance that will most likely increase my rate when I return to the company and get insured again when I get a vehicle. As a result of not having a vehicle, I had to find other means of getting to my destination that caused a financial burden as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has not answer to the complaint in a timely maner according with the FCRA section 609, this is inaccurate reporting, the account should be removed from my credit because is an unverifiable account also more than 30 days has pass with no answer.

Account # Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this viola
tion.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX
Product: Credit card or prepaid card

I have a charged off balance on a Paypal credit card through Synchrony bank. I called them on approx. XX/XX/XXXX to inquire about settling the balance. They offered a settlement of {$350.00} ( half of the balance ) which I accepted. I asked them to send the offer in writing so that I would have a record. They sent me the offer letter, which reads in part " Please remit this payment 30 days from the date of this letter. If we fail to receive the above payment by indicated date, the amount will not be settled pursuant to this arrangement ''. The date of this letter as noted in the upper right corner is XX/XX/XXXX. I called Synchrony today XX/XX/XXXX to pay per this letter and have been told that the offer was voided/cancelled due to non-payment as of the XXXX of this month. None of the agents that I spoke to have access to the letter which shows the date of XX/XX/XXXX and are refusing to honor their own written agreement. I have asked for a return call from a supervisor 2x today and have not gotten a call. I am asking for Synchrony to honor their written agreement so that I can settle this once and for all. Dealing with Synchrony has been a nightmare, they do not follow through with anything they say and fail to honor their own contracts. All I want is to have this settled.
Product: Credit card or prepaid card

Saturday,  XXXX   XXXX ,  2017 ; I m ade a payment before the  XXXX   XXXX  due date, but did not receive a payment confirmation number receipt of my payment or an email. On Monday,  XXXX   XXXX ,    2017 ; I c hecked to see if the payment was posted, and it was not ... I attempted to make the payment again, and it " went through '', gave me a confirmation number, but has yet to send me an email confirmation. While attempting to make the payment, I noticed that the screen did not state that it was past due ... Additionally, I noticed that once I clicked the payment button, all of my accounts appeared readily available to accept payments. This is preposterous, as only  XXXX  of those accounts appear when I login - my business, and  XXXX  credit card. Bank of Americ a ( BoA ) is tryin g to subject me to money laundering by having these accounts open but not giving me the ability to use each ... Additionally, not accepting payments or rather, not presenting a customer proof of payment is egregious.
Product: Checking or savings account

XX/XX/XXXX I was shocked to see my Capital One 360 Savings account was earning only 0.30 % APY when market rates are much higher. I looked at the Capital One website and saw that their savings account product was earning 4.35 %, so I believed that there was an error on my account that failed to adjust the rate. My interest rate had remainedthe same since around XXXX of XXXX. 

XX/XX/XXXX I called Capital One and spoke with XXXX. XXXX informed me that my account was earning what a Capital One 360 Savings account should, and that the 4.35 % APY was for the Capital One 360 PERFORMANCE Savings account. She advised how I could open such an account and move the funds. I asked to be escalated to her supervisor regarding the large discrepancy for quite some time. 

XX/XX/XXXXXXXX  I spoke with XXXX ( supervisor ). XXXX reviewed communications to me and confirmed Capital One did not communicate to me ( via mail or email ) that my interest rate would be stuck at 0.30 % and that the product was being replaced ( seemingly no longer supporting XXXX increases ). He also confirmed that my APY is variable, and that reasonable consumers expect variable APYs to increase due to the Fed 's interest rate changes and market interest rates. He noted the bank 's website had a feature to compare my current product 's interest rate to new product 's, but that this feature was not available in-app or communicated to me proactively. He also noted interest rates are available in account details when logged in, and on statements ( not currently mailed but available when logged in ). However, he agreed that a reasonable consumer would expect their interest rate to adjust due to the Fed and market rates. XXXX also agreed that 0.30 % is not in line with any savings accounts offered by Capital One or its competitors at this time. 

In short, Capital One created a new savings account with an extremely similar name that has reasonable rates and failed to notify existing savings account customers that this was a different product and that they should no longer expect reasonable rates. Capital One did not offer the ability to roll into the new product or in any way communicate that the customer would stop receiving APY increases if they remain with the 360 Savings account. 

Capital One experienced significant bank gain at the expense of customers for under-providing interest for years by a significant percentage. The bank was also highly deceptive ( violating XXXX ) in its similarly-named product with vastly different interest rates, and caused additional customer harm by acting against reasonable consumer belief by failing to raise interest rates on the older product.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  HAS REAPPLIED ONE ACCOUNT THAT WAS DISPUTED/DELETED WITH XXXX XXXX XXXX THAT NOW SHOWS AS BELOW ON MY CREDIT FILE : XXXX XXXX {$0.00} Closed 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$0.00} {$750.00}
Product: Debt collection

Hunter Warfield Put a collection for {$3200.00}. This collection should not be on. The Company XXXX XXXX Is Claiming I Owe them this money, This is false. I am under leagal cousel againt This XXXX XXXX. I have also filed a XXXX Descrimation case also, A HUD Complaint, And XXXX XXXX Attorney General Complaint. 
The fact is XXXX XXXX Apartments, At XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Owes me the amount of {$3200.00} I have notified The Collection Company Hunter Warfield to cease and desist and take the collection off all my credit Bureaus .They are breaking the laws Of the CONSUMER CREDIT PROTECTION ACT & Fair Credit Reporting Act, Harrasment of Me And My wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have become aware I am a victim of identity theft in the last few months. I 've notified creditors in writing, I 've asked Equifax on more than one occasion to send related documents to creditors supporting my claim and it 's getting quite ridiculous. At this point the creditors should automatically delete accounts related to identity theft or if the creditors are being uncooperative Equifax should block/delete the accounts on behalf of the consumers claim according to the laws laid out in the Fair Credit Reporting Act. There is still inaccurate false items being reported to the Equifax Credit bureau. I have exhausted myself to try to have the inaccurate, incorrect information removed from my credit file, however Equifax keeps sending me letters saying the information has been verified as belonging to me. Enclosed in this complaint will be screenshots of correspondence with Equifax. OnXX/XX/XXXX I receive a notice from Equifax saying that the address XXXX XXXX XXXX in XXXX, Georgia XXXX has been deleted from my report. And then betweenXX/XX/XXXX and XX/XX/XXXX I received a notice from the credit bureau that there has been a change to my credit report and the address XXXX XXXX XXXX in XXXX, Georgia XXXX was supposedly reported by " one of my creditors '' as a recent address. At the same time XXXX XXXX was apparently deleted but still showing up. Now mind you, I have never lived/resided/got mail at XXXX XXXX XXXX in XXXX, Georgia. 
It does n't take a rocket scientist to figure out what is going on. The creditors in dispute are trying to verify the accounts as belonging to me by having identifying information such as an address that I have never lived at. This then gets the wrong address reported to my credit file so the creditors may verify the address as belonging to me so they do n't have to delete the inaccurate account information appearing in my credit file. This should be crystal clear to Equifax and they should delete the inaccurate credit accounts on my file that I have disputed more than once. The inaccurate credit accounts are XXXX XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX. Please remove these accounts at the soonest time possible.
Product: Bank account or service

I made purchases with my debit card and I asked the bank to dispute the charges and it has taken about 3 months to finally recieve a provisional credit but then they decide within a week ( before I even receive the dispute forms ) to deny my case and now this issue has spread to my credit card companty and I am really upset at the way this situation has not been taken seriously by the bank and I am ready to retain legal action if necessary.
Product: Consumer Loan

We were on vacation when our debit card number was hacked. We reported this to our bank after discovering several charges in XXXX, XXXX ( we live in XXXX ). The XXXX was also consulted. We did n't get a chance to call XXXX ( CNAC ) as it was the XXXX XXXX weekend, and frankly we were in shock. The bank froze our account until this is resolved. CNAC wants a letter, or fax to them, but XXXX XXXX will not do this. Why would we want a letter to us the bank is keeping us abreast of this situation? CNAC calls at least 4 times a day. I tell them the same thing every time. It is bad enough this company sells people who do n't have the means to get a car any other way because of issues in their life. We have said car into the shop 6 times. Brakes, radiator, rear tailight, and other things. This company needs to be investigated. This company also uses a device that changes numbers every time.
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, Account name : XXXX XXXX XXXX XXXX : XXXX, Account name : XXXX  # : XXXX, Account name : XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX # XXXX XXXX XXXX Account name : DEPT OF EDXXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX has violated my rights. Section 611 of the FCRA ( 15 U.S.C 1681i ) 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 ) Section 623 ( a ) ( 4 ) Section 607 B of FRCA. 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

I received alerts from XXXX and XXXX of a new tradeline appearing as Collection on my reports. The account shows opened XX/XX/2020. The company reporting is XXXX. I've never received any information or heard of this company before. I've never, ever done business with them. I found the company online, however, no assistance for correction. I have no account number, no date of account transactions, nothing! It shows opened on my reports in the amount of {$1.00}, XXXX on XX/XX/2020. Nothing else. I had no account number to give them. They don't have my social security number or full name, this just appeared on my credit reports and no one seems to know why. This is very frustrating and needs to be removed immediately!
Product: Credit reporting or other personal consumer reports

" I discovered that my stepfather had created an email account in my name and used his credit card to open a line of credit without my knowledge or consent. As a result, I recently received a notification about a late payment on an account I had no prior knowledge of which has dropped my score by XXXX points.