23daVinci/CFPB_Complaints huggingface dataset:
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 : Purchased by a another lender. 
Sold to : XXXX XXXX Account transferred or sold Charge XXXX XXXX XXXX XXXX Balance : {$700.00} Status : XXXX XXXX Late 120 Days XXXX XXXX XXXX XXXX Balance : {$130.00} Status : XXXX/XXXX, Late 120 Days Comments XXXX Account seriously past due date/account assigned to XXXX XXXX  Collection account 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section 2 : 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 crime which antedates the report by more than 7 years.

15 U.S.C. 1681c ( A ) ( 1 ) a person shall not furnish any information relating to any consumer to a 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 am a XXXXXXXX  in NY and IM trying to relocate to XXXX and I had a mortgage broker pull my credit and there are somethings there that are not mine. I have been a victim of Identity theft
Product: Credit card or prepaid card

In XX/XX/XXXX, I purchased an appliance from a Sears  XXXX in XXXX, Tex. 
Sears sold or assigned my purchase agreement, without my knowledge or consent to a Citi Bank Master card firm in XXXX XXXX, SD. This Master Card, SHOP YOUR WAY MASTER CARD became the creditor and mailed me an account statement. 
The terms of this statement stated my balance due with monthly payments of {$28.00}, first payment due XX/XX/XXXX. 
On XXXX, XXXX, I mailed a bank check for {$84.00} to Shop Your Way, with the notation that this payment was for XXXX, XXXX, XXXX & XXXX XXXX. This would make my next payment of {$28.00} due on XX/XX/XXXX. 
I received a letter from MasterCard stating that I " COULD NOT BE CREDITED WITH AN ADVANCE PAYMENT '', and my next payment for {$28.00} would be due on XXXX XXXX, XXXX. I refused and did not make any payment in XX/XX/XXXX. 
I received a statement in XXXX that I was being charged a {$28.00} " Late Fee '' and my next payment due was {$60.00} due on XXXX XXXX, XXXX. 
I attempted to resolve this situation by telephone with a Master Card employee. 
This foreign speaking female told me, very emphatically, that MasterCard " DID NOT PERMIT ADVANCE PAYMENTS '' and my next payment was due, with a " LATE FEE '' was due on XXXX XXXX. I am not going to be taken advantage of by this deceitful policy. 
My next payment is due on XX/XX/XXXX, and I will never pay a " late fee '' to MasterCard. I believe that Citi Bank, & Shop Your Way MasterCard should be held accountable for this reprehensible, mendacious treatment to a customer that has paid his account in advance and then charge a " late fee ''!
Product: Credit card

I had a business relationship with the owner of XXXX XXXX, XXXXOn or about XX/XX/XXXX, Capital One Bank ( USA ) N.A . made a solicitation to XXXX XXXX, XXXX. Upon verification and approval, on the front of the credit card, the words " Capital One Business Platinum '' are printed as well as " XXXX XXXX, L '' ( LC ). On the reverse side, the words " Capital One Small Business Solutions Center '' also appear. ( Exhibit XXXX ). 
2. Capital One 's Customer Agreement specifically states that this is a business account. Under the heading Business Purpose Account : " Your Account is a business Account that must be used only for business purposes. '' Capital One states under the Account Information clause that : " We maintain the right to restrict or close your Account if your information can not be verified or you do not provide additional information as requested. '' Capital One accepted the application for a business credit account under these terms. In filling out the application, it required my name, address and social security number. I did not provide the EIN number nor did Capital One contact me to verify the information or request that I provide the EIN number. 
( Exhibit A ) 3. It is alleged that Capital One has misrepresented itself and committed credit card fraud by leading me to believe that by applying and receiving this business account, I had corporate status protection as a limited liability corporation. At certain times, Capital One issued and billed the account to XXXX XXXX, XXXX. ( Exhibits XXXX, XXXX ) 7. I filed legal action against officers of XXXX XXXX, XXXX in Federal Bankruptcy Court ( Exhibit XXXX ) and received judgment against officers of XXXX XXXX, XXXX ( Exhibit XXXX ). I continued making good faith payments after having been promised by XXXX XXXX, XXXX that they would reimburse me for business related expanse as well as all amounts owed. When it became clear that the owners of XXXX XXXX, XXXX were not going to reimburse me for business related expenses, I was no longer able to make good faith payments to Capital One and defaulted. 
8. Capital One has pursued this issue relentlessly. Capital One claims that I am personally responsible for the corporate account issued to XXXX XXXX, XXXX. 
9. Capital One filed a lawsuit on XX/XX/XXXX and continue putting pressure either settle or go to trial. I can not afford an attorney and continue to maintain that I have corporate status protection under a limited liability corporation. According to CAL. CORP. CODE 17101 : ... no member of a limited liability company shall be personally liable under any judgment of a court, or in any other manner, for any debt, obligation, or liability of the limited liability company, whether that liability or obligation arises in contract, tort, or otherwise, solely by reason of being a member of the limited liability company. 

10. Capital One has relentlessly pursued the collections, ignoring the fact that they issued a business card to an limited liability corporation, yet the individual is responsible for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 
XXXX {$390.00} XXXX XXXX {$460.00} XXXX {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to Equifax 's website to un-freeze my previous freeze on my credit. After troubleshooting several log-in pages that were no longer accessible ( error pages came up in several parts of the website ), and multiple website errors claiming more information needed to be completed in the account information form- even though all required boxes were filled in, I was able to set up an account. As part of the verification process I was asked ( 4 ) security verification questions about my credit. ( 2 ) security questions claimed that my credit report " may '' include a car loan from XXXX and asked about the amount and the loan provider. I have no such loan, so I checked the " none of the above '' boxes to both questions. ( 2 ) security questions claimed that my credit report " may '' include a loan from XXXX and asked about the amount and the loan provider. I have no such loan, so I checked the " none of the above '' boxes to both questions. I was then informed that I had answered incorrectly and that to access my account I would need to fax or mail personal ID documents, write coverletters, etc. I have verified through other credit reporting agencies that none of these loans are on my report. I can not get access to my Equifax credit report because they deny access to my account until I send them the information. I am telling you right now, that as soon as I get my report these false loans from XXXX and XXXX will not be on the report. I believe that the security questions they generate are deliberately inaccurate in order to kick-off these lengthy " verification '' processes that just give them more access to our personal data that they can then subsequently lose to hackers and data breaches. Now they will have photocopies of my personal documents on file for hackers to steal too. On the same date XX/XX/XXXX I was able to unfreeze my accounts at XXXX and XXXX without any issues in about 5 minutes. Now my mortgage loan will be delayed because I have to go through Equifax 's paper wild goose chase that they started in the first place with these security questions they generate that have inaccurate information. This is not the first time this security question issue with inaccurate answers issue has come up with them. As soon as I am able to get a report to prove this deliberate ineptitude I want to hold them accountable.
Product: Student loan

On XXXX XXXX XXXX I reached my final count of 120 qualifying payments that needed certification. My PLSF form states that I've been with the same employer since XX/XX/XXXXXXXX MOHELA has failed to count XX/XX/XXXXXXXX XXXX XXXX. I've called MOHELA several times to fix the issue and update my count so that my loans can get forgiven under PSLF. MOHELA has failed to give me a proper resolution of certifying all of my counts. MOHELA representatives give me no information on their process because this has been on ongoing thing with MOHELA. I've met all requirements for PLSF and MOHELA has failed me as a consumer. I've pointed out their error and their resolution is to wait it out. How is this acceptable? 
XXXX  XXXX XXXXXXXX Unsubsidized XX/XX/XXXX PSLF, TEPSLF Employment Not Certified View Details XXXX XXXX XXXXXXXX Unsubsidized XXXX PSLF, TEPSLF Employment Not Certified This payments should of been counted. Again my final PSLF states I've been with the same employer since XXXX There are no gaps in employments. Please assist in processing my form and finally be done with MOHELA.
Product: Credit reporting or other personal consumer reports

I got a new XXXX through BOA car Loan on XX/XX/. On XX/XX/XXXX I made my first payment through my personal account in BOA online banking since I am able to see all my personal accounts including my BOA car loan account through Online banking. 
After that, I create the payments through Bill Pay in my Business account ( XXXX XXXX XXXX XXXX XXXX ) I always pay my cars through my business account not personal account. Since my previous XXXX car was through XXXX XXXX, this payment was already created. I modified that automatic payment and added the BOA car loan account number but inadvertently did not make the change from XXXX to BOA, therefore even though the payments were created and sent with the correct BOA number, they were sent as a check to XXXX instead of BOA ( a completely mess ). On XX/XX/XXXX and received an email that my car account was past due ( I did not receive an email prior to this or by mail ). I contacted BOA right away and they said that my account was paperless and that they do not understand why I did not receive an email or phone call prior to that. I explained the entire situation to them but of course they said they understand it was a mistake and that they already reported me to XXXX and I need to fight this with them. They say they will add the notes of what happened on my profile that way when XXXX contacted them, they were able to explain but they can not call XXXX on my behalf. I have been fighting with BOA since that trying to figure out where the payments are and to obtain the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account ( Pheaa XXXX ) multiple times & Transunion has violation my rights. As seen in the pictures this account was reporting Derogatory/Chargeoff. After disputing inaccurate information not only have they changed the status to open but they are also reporting that its current. Even the payment history has been updated which is inaccurate as well! No documentation has been sent to me from Transunion or XXXX proving that this account is mine. This is illegal!
Product: Vehicle loan or lease

On XX/XX/XXXX I was denied my own use of credit which is discrimination according to Equal Credit Opportunity Act.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies that are adversely affecting my credit score. These inaccuracies include accounts that I do not recognize. Attached, you will find a detailed list of the accounts and entries in question. 

I am currently in the process of purchasing a house for my family, and it is critical that my credit report accurately reflects my financial history to ensure fair and favorable mortgage terms. I urge you to review the attached documents thoroughly and remove the inaccurately reported accounts as required by the Fair Credit Reporting Act. 

Your prompt attention to this matter will not only help rectify errors in my credit report but also facilitate a significant life event : the purchase of our family home. 

I appreciate your immediate action in resolving these discrepancies.
Product: Checking or savings account

I received a Wells Fargo alert on XX/XX/2022 at XXXX Eastern Time stating : my savings account ( # XXXX ) balance is NEGATIVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " - {$4600.00} ''. 

This alert was completely false. As determined, on both XX/XX/2022 when logging in the balance was never Negative ( Always positive ), and on XX/XX/2022 the balance was never negative. It was always positive.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

Please see and review the attached file for what I am complaining about. Initiate immediate actions for this. thanks, Attached FTC
Product: Credit card

I recently had a credit card account closed by Chase Bank. I have had this particular card since XXXX of XXXX and pride myself on having a positive long term credit relationship with Chase. I had received a letter stating that the account would be closed due to inactivity if not used prior to the card expiration date of XXXX XXXX. I promptly made a purchase with the card and paid the statement in full once received. Today, XXXX/XXXX/XXXX, I contacted Chase Bank as I had not received my replacement card yet. I was informed by the representative that my account had been closed. When I referred to the letter I received and stated I used the card as instructed, I was told that the letter stated the card would be closed regardless. Unfortunately, I do not have a copy of the letter from Chase, however I have received similar letters from other banks and once I used the card they have always been renewed. I believe this action by Chase Bank is fraudulent and negatively impacts my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information being reported on my Experian credit report. I have spoken to representatives and sent letters to dispute the public records which should not be reporting on my credit per the XXXX, which states- Beginning XX/XX/2017 public record data collected for credit reporting agencies, including bankruptcies, civil judgements and tax liens are to be removed from credit reports. 

They have not complied with this law, whereas the other bureaus have.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : formal dispute regarding inaccurate information on my credit report. 

Dear, Experian These allegations highlight systemic issues that directly undermine consumer protection and perpetuate the inclusion of inaccurate information on credit report. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXXXXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXX  XXXX XXXX Balance Owed XXXX {$12000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$2700.00} XXXX
Product: Credit card

Hi, I 'm submitting a complaint against Care Credit/Synchrony Bank due to being misinformed about billing payment options for my account. I talked with a chat representative whose name is XXXX XXXX on XXXX/XXXX/16 at XXXX Eastern time, Reference # XXXX. The inquiry was, if I can pay my bill with a credit card? His response was credit card payments are n't excepted but that I can ask my credit card company if they have a bill pay option ( which they do n't ) or I can use XXXX XXXX. The problem is the XXXX XXXX information he gave me is incorrect and/or is unrecognizable by XXXX. The XXXX representative ( XXXX ) whom I talked to by phone on XXXX/XXXX/16 at XXXX Eastern time, told me that there is n't a code city name and POS name that was given to me ( POS name : Synchrony Bank XXXX XXXX XXXX name : XXXX ) in their system. 
Synchrony Bank ( formerly GE Capital Retail Bank ) does n't give their customers any other options to pay their account except by the consumer 's bank account. This is an inconvenience to those who want more than one option to pay their bill, or may not have the money in their account on that date. Most businesses give you more than one option to pay your account bill. It seems like they want you to be late paying your bill so they can tack on the late fees and interest charges, which is ridiculously high, if you do n't pay on time and with only one option to pay. I 've changed my billing date before and I do n't feel like I have to keep doing that to make a timely payment, when other payment options should be available in order to make a timely payment. I would like to know why I was given the wrong information and why there is n't other options to make a payment on the account and/or payoff the account, besides using your personal banking account. I 'm already paying a late fee of {$27.00} from last month which was n't late, but was charged anyway, because the money was there in the account, in addition to the {$100.00} a month bill payment. I hope this issue can be resolved before my next due date which is XXXX/XXXX/16. I pretty sure I 'm not the only consumer whose had complaints about this company. 
Thanks.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act This creditor has violated my rights under 15 USC 1681 section 602 states I have rights to privacy 15 USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 uses 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

On XXXX and XXXX, There were 2 unauthorized charges on my goodyear credit card. 
This account had been hijacked and a hacker used it to make unauthorized purchases. 

I notified XXXX on XX/XX/XXXX when I noticed these bogus charges and told them what happened. I also closed my account with them on that same day. 

Citi Goodyear decided I was at fault and refused to dismiss the charges.

I've attached the letter I was sent. 



I can not afford to pay this fraudulent charge. What recourse do I have?
Product: Mortgage

On XX/XX/2019 I requested and applied for a pre qualification for a mortgage for a second home from Bank of America. The agent XXXX   XXXX  out of XXXX, NC sent me the electronic application, which I completed and she called me a XXXX. She stated that in order to qualify for a 10% down payment I would need to have a 740+ credit score. My 3 scores at that time were XXXX, XXXX  and XXXX. My BOA app states an XXXX   score. She stated she would call me on Friday XX/XX/19. I heard nothing until late on Monday, when I was informed that I did not qualify for 10% down because my score was less than 740. I have since had multiple phone calls and emails with the representative, who stated she would call me on a conference call with her supervisor on XX/XX/19. On XX/XX/19 I sent copies of all 3 of my credit reports to the representative. I pulled them myself to avoid additional inquiries on my report. On XX/XX/XXXX I received an email stating the she was sick and would not be able to call me. On XX/XX/XXXX I sent an email to the representative stating that I was still waiting. On XX/XX/XXXX I received an email stating that her manager had requested that she send him "an additional piece of info from the company they order reports from" I have had no contact or response since then.I fear that if I allow them to re pull my report, they will pull the correct scores and attribute this to a computer malfunction. I do not have the pre qualification to date, and I have no answer as to how their system pulled an erroneous score. On this loan alone, BOA would stand to make considerable amounts more by charging an interest rate based on a lower than actual score. Please assist in making sure that this is not intentionally being done by BOA to increase revenues. Thank you for your assistance and consumer protection. I fear that this is much bigger than just one mortgage. Sincerely, XXXX XXXX XXXX XXXX  XXXX  XXXX, NC XXXX  XXXX-XXXX-XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have committed some violations .... 

-XXXX  XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX15USC 1681 Section 602A states I have a right to privacy *15USC 1681 Section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction
Product: Credit reporting or other personal consumer reports

I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine. 
These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.