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  : # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # 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 card

Requested copy of statement that show the credits that changed the reporting balance from {$2500.00} reported XXXX 2016 to {$1900.00} reported balance as of XXXX 2016. I sent a direct request to Capital One requesting the statement for that change but never received XXXX. I did receive a letter saying Capital One was going to change it but never the supporting Credit Card statements showing how the account was credited. Also could I get a verification of the correct address and furnisher name as it would appear on my credit report for account number as reporting in my CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I applied for the covid-19 forbearance that was offered on the company 's website, which stated it would not report any late payments during this process. I had covid in XXXX XXXX and wasn't fully recovered, losing work time that decreased my income in half. I was informed by a company representative on or around XX/XX/2022 that I was approved and that my covid-19 forbearance loan representative would contact me with the details of the forbearance. my contact person XXXX XXXX XXXX. I contacted and talked to XXXX XXXX XXXX at or around Ending of XX/XX/2022. I was informed that he would look into the forbearance and I informed him how I was informed that I was approved. I XXXX XXXX that I had a late payment for my XXXX payment I was informed by XXXX XXXX what I wanted him to do regarding my account and, I stated that my late fee is removed because I was informed that I was approved for the covid-19 forbearance. I wrote a letter to the CEO to address this issue and received an email from XXXX XXXX XXXX. I was informed that they would not retract to late charge on my XXXX even though I was informed that I was approved for the forbearance that on their website says they will not report late payments during the process of a forbearance. I was lied to and due to the company 's representative 's deception and error, my credit rating was decreased by XXXX XXXX due to this company 's error. The late fee in XXXX needs to be removed due to I was misinformed by this company.
Product: Credit card or prepaid card

I made a {$180.00} payment on my Bank of America Visa card acct on XXXX XXXX, ahead of the XXXX XXXX due date, and received a confirmation number ( XXXX ). BOA charged me a late fee and did not credit the payment. I managed to have the late fee reversed on XXXX XXXX, but the payment has still not been applied.
Product: Credit card

American express reported 30 day late payment on my credit report for XXXX 2015 and XXXX 2015, when I actually paid for both months on time and in full balance. I requested amex to delete these inaccurate payments but got several auto generated letter stating that it was not their fault. Even after they sent me statements for the month of XXXX which showed a credit of {$38.00} so no payment was due at that time due to the fact that i overpaid the account. For the month of XXXX I made XXXX payments, only XXXX was posted on XXXX which is way before the due date for the month, the XXXX payment was lost by them and was not credited to my account till a couple of months later SEE ATTACHED STATEMENTS SHOWING PAYMENTS RECEIVED ON TIME AND SEE ATTACHE PROOF OF PAYMENTS MADE TO AMEX AND REMOVE THE WRONGFUL LATES REPORTED FOR XXXX AND XXXX OF 2015 IMMEDIATELY!!
Product: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 
XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction was authorized. I was charged fees due to lagged posting of charges and funds. This issue aligns with the CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I feel this is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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
Product: Credit card

After my small business failed the only option I had for a credit card for my new business was a secured card through Capital One. I signed up for this account, deposited {$2800.00} do bring my available credit line to the maximum {$3000.00} limit. My complaint is based on a recent transaction that was declined because I was three days late on my payment. There are plenty of funds on my account to cover this transaction. I have a payment scheduled for this account today three days passed by due date and yet they still decline my transaction. I feel that this is an unjust practice considering that I have available secured funds and that I 'm only three days past my due date - can somebody please tell me if this is an acceptable business practice?
Product: Credit card or prepaid card

Ive been a Chase Freedom Unlimited card holder since XX/XX/2022 with 100 % perfect payment history. Sometimes even making 2 payments per bill. I was approved by Chase for a credit line of {$8100.00} in XX/XX/2022. On XX/XX/XXXX, I was blind sided by a letter from Chase that my credit line was reduced to {$6400.00}. I found it completely insulting that Chase would randomly take away {$1700.00} in credit from me given my payment history and never being late or missing a payment once. 150 % unjustified. Additionally, I have 100 % perfect on time payments with other card accounts and my credit reports show that. Chase has maliciously hurt my credit rating as my usage percentage has now gone up as a result of their reducing my limit. Chase reducing my credit line has put me in a major bind as I planned on using the card for something and now can not. Chase customer service and executive relations staff are rude and not helpful whatsoever. Now im told by Chase that if I want to see about getting the original credit limit CHASE gave back, I will be subjected to an additional hard inquiry on my credit. Chase already did a hard inquiry and approved me in XXXX for the {$8100.00}. A card holder with perfect on time payment history shouldnt have to go through all this and be subjected to further inquiries just to get the original credit limit back. Chase should be going over and above to help me in this matter and does the complete opposite. What if I had been in the middle of a trip and a hotel or car rental tried charging my card and it was declined due to this? I could have been in major trouble if I was unable to pay a bill. Chase never thought about me in all this. What Chase did was insulting and disrespectful to me. Attempts to resolve this matter in getting my original line back have failed.
Product: Vehicle loan or lease

During the pandemic our lease was up. We called as we always do as responsible adults 3 months out and in a panic due to everything shutting down. Kia corporate kept telling us we do not know anything. Can not answer. I called Kia XXXX and they said they were closing down and their lot was full and they could not accept anymore cars. The said only XXXX was open and could take our car. We called them and they said to bring the car in and we can see what they could do because they also maybe shutting down. Upon arrival we explained that we could hold onto the car for another month or two because we did not want three payments since were were barely working and my wifes company had been shut down. They explained to us that we should NOT get a bill from Kia for the extra three months and that IF we did that they should work with us on it and not to worry and it was a good idea to turn in the car early since they may be shutting down. WHY WOULD ANY HALF SMART person get a new car and not wait a month or two if they did not have to? EIGHT months go by and we got a letter in the mail from KIA stating that we owed 3 months of the other car! I called them and they would not discuss as per usual. I had to write in and wait another 30 plus days for a response. Then when I got one - they offered me a payoff amount because I was LIVID and they would not and refused to work with me. I agreed to basically pay those scammers two months and they not only put in as a charge off but also 3 months late!! How dare them and now we just got scammed again by Kia and they salesman who refinanced our car pulled a fast one and said that for {$50.00} extra a month we would have a service plan that covered all MAJOR services and we said that's really good because we just had an oil change but did not get the full service because were were not sure if we were refinancing or getting a new car. Had a 30 minute talk about it. We then got the plan took it in to XXXX and had to PAY FOR OUR SERIVCE up front got scammed again because the {$50.00} a month was only for oil changes and who in their right mind would pay {$50.00} a month for 7 years for oil changes????? After the manager delayed with every excuse in the books for never getting back to me blah blah it was too late to cancel the loan docs. They finally sent the money to XXXX XXXX credit to put toward the principal as well so I have proof of being duped once again by Kia. And THREE kias ago we were told that we got a new one and found out it was a different year than we were sold and I have another friend who they did to as well. This company is also fraud and horrible - I wish we never got stuck into this but they force us to stay or we have to pay them {$500.00} to go to a different kind of car at lease end. This is the only reason we have stayed with this terrible company- we are being held hostage- this is a joint loan and needs to also be fixed for XXXX XXXX XXXX XXXX XXXX. Same address email XXXX XXXX
Product: Credit reporting

To Whom It May Concern, It seems the last XXXX times I 've tried to get my free credit report through XXXX from each of the credit reporting agencies ( ie TransUnion, XXXX and XXXX ), they were never able to process my request 'at this time. ' I 've even tried sending on of them ( ca n't remember which XXXX ) a written request and have never heard back from them. The only reason I tried the XXXX time was because of a notice from a medical provider that their patient medical data files had been improperly accessed by an outside hack and that I should contact either of the XXXX credit reporting agencies or subscribe to an ID management company to monitor my and my family 's credit free for 12 months. ( Why not forever since they mishandled my family 's sensitive personal information? ) Why are n't the XXXX credit reporting agencies processing my requests as they should according to the law in this situation? This is very frustrating and the major credit reporting agencies should be more responsive to the law 's requirements and provide consumers their 'free ' credit report with no hassles or hoops to jump through.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I provide a digital software development service online client paid me an amount after getting service, PayPal put a hold on that payment don't know why I thought there is some mistake so I refunded the amount and asked my client to send the money again he sent payment again now again PayPal put a hold on that money and charged my client twice for a single payment. Now after getting my payment confirmed by the client they closed my account. Now they are not even letting me refund the amount to the client so that I can ask my client to pay me through another source. I have not been able to get help from them. I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' Reference ID : XXXX
Product: Credit card or prepaid card

Applied a American Express Gold Card on XX/XX/XXXX, the page shows if I spend over {$2000.00} during 3 months, I will attain XXXX XXXX points. But I finish all requirement on XX/XX/XXXX and ask Amex why I didn't receive the bonus. It said that i can not receive that even i did not receive any notice that i can not receive that. After Amex internal report unitl today XX/XX/XXXX, i still can not receive the bonus with reason misuse history of incentive. It's unreasonable since no that notice before i apply the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, DEPTEDXXXX account # XXXX, XXXX XXXX account # XXXX, has all violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Flagstar called me multiple times between XX/XX/XXXX and XX/XX/XXXX to offer forbearance during pandemic. I accepted forbearance from XX/XX/XXXX. 
In XX/XX/XXXX I informed Flagstar that forbearance is no longer necessary and would like my mortgage reinstated. I resumed making mortgage payments in XX/XX/XXXX. On XX/XX/XXXX I submitted a loss mitigation application and subsequently submitted supporting documents as requested by Flagstar. Despite my repeated monthly requests Flagstar kept my loan in forbearance whilst I was making regular payments. I eventually informed Flagstar that I would not make anymore payments until I received the new terms of my loan and my loan was no longer listed in forbearance. I received the new loan packet on Saturday XX/XX/XXXX and noted that the due date was XX/XX/XXXX. I informed flagstar that there was no way I could have the documents reviewed, notarized and submitted to meet the XXXX deadline. XX/XX/XXXX and XXXX are holidays here. I requested a new packet that allowed adequate time for review and submission. Flagstar did not honor my request. Instead I started receiving numerous calls from Flagstar encouraging me to apply for other federal relief programs. I repeatedly declined such offers and told the representatives that I just needed my mortgage reinstated as I no longer needed the relief.

Flagstar has refused to reinstate my mortgage and has instead opted to initiate foreclosure. I have found Flagstar 's actions to be predatory : Keeping my mortgage in forbearance even after I requested that forbearance be stopped, was making payments, and completed loss mitigation application ; the incessant calls trying to get me to apply for other federal relief even after I informed flagstar that relief was no longer needed and submitted documentation demonstrating such ; demanding lump sum payment for reinstatement. I feel that Flagstar purposely kept my loan in forbearance for the maximum time allowed by law and failed to then reinstate my mortgage in time per pandemic guidelines. Flagstar is still refusing to reinstate my mortgage that I qualified for and submitted the necessary documentation for since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with CAVALRY PORTFOLIO SVCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, account ending in # XXXX was placed for collections. This account is being handled by XXXX XXXX, a NJ based attorney. This company/attorney did not report by balance correctly as I have made 4 payments of {$480.00} and 1 for {$290.00} for a total of {$2400.00} via wage garnishment. The original amount I owed was only {$1800.00}. After repeatedly trying to dispute this on my credit report, the company/attorney never reported by balance accurately. This has precluded me from obtaining a car loan with a decent interest rate. I have documentation to prove all payments in excess of my original balance were made. I recently tried to dispute the item and yet again the company/attorney reported this account with a balance of {$1600.00}. I can not seem to have this accurately reported and the credit bureau websites will not allow me to continue to dispute the same account. I also tried to contact the original attorney XXXX XXXX XXXX and could not reach them via telephone during normal business hours. I received an automated recorded message each time I called to settle. Before I knew it, my wages were garnished.
Product: Money transfer, virtual currency, or money service

I transferred money out of my Venmo account balance to my checking account. What I thought would be a very easy process as the service is advertised as an easy way to send money. The next day I received an email stating that my account was restricted due to recent activity that triggered some security alerts. I contacted Venmo to fix this and they advised that it would take 15 BUSINESS DAYS so at least 3 WEEKS for someone to contact me back to even begin the process of fixing this error that Venmo has made. The money I transferred out was to pay my mortgage. Needless to say, I can not tell my mortgage company they will have to wait at least 3 weeks to get their money, so how is it okay for Venmo to say the same thing to me? It's not and it's despicable that action is not taken against these corporations for these horrible practices.
Product: Student loan

Subject : Request for Forgiveness and Reversal of Late Payment Report Background : In XX/XX/2021, the first couple of payments for a student loan were missed. The borrower did not receive a bill and thought nothing was due because of the stay-at-home order issued by XXXX XXXX of Washington XXXX The account was set up by the borrowers parents, but there was a miscommunication in transferring the login information to the borrower. This error was discovered from a credit report blemish. 

Actions Taken : The borrower went online and paid the overdue amounts as well as the following month. The account was successfully closed within six months of the credit being hit, ahead of schedule. The loan servicer was contacted for relief, but none was given. The borrower requested that the late payment be rolled back off the loan, but this request was denied. 

Bad Faith of UAS Connect : There have been several reports of UAS Connect exhibiting bad faith in their handling of student loans. For example, one borrower reported that they had a recurring payment set up with UAS Echo, but when UAS Connect took over, they did not transfer the recurring payment and filed a delinquency. Another borrower reported that they thought their XXXX XXXX XXXX with UAS Connect was in COVID forbearance extension until they discovered that the first payment was due two months prior. When they contacted UAS Connect, they were told that there is no missed/late payment forgiveness program2.

Request : The borrower is requesting forgiveness and reversal of the late payment report with the credit agency. This would be in good faith, especially during the COVID-19 pandemic and in light of UAS Connects reported bad faith in handling student loans.
Product: Credit reporting or other personal consumer reports

FCRA 605B obligates you to remove any incorrect accounts from my credit report. Please check the documents, as some of the listed accounts have inaccuracies in reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled the XXXX XXXX account in full through XXXX XXXX XXXX. Transunion is still reporting the account on my credit file as delinquent, negative debt. This account should reflect as settled in full or removed from my report as the collection agency agreed by written letter that this account is serrled and I am released from the obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email that states : " My team is working on your refinance request, but we would like to get more info about your financial goals. '' This email gave me great pause as I have not requested a refinance and I was worried about Identity Theft. I called the number on the letter and was told this is a marketing piece. I think the piece is materially deceptive, appalling, and disgusting that it was sent by XXXX XXXX | Vice President, Mortgage Banking. Regardless if he led the marketing campaign, it is a direct reflection of poor leadership and I believe it violates UDAAP. Additionally, I tried to unsubscribe and the email did not allow. Rather I have to update my preferences, which does not provide for a simple opt-out solution. Again - disgusting. I worry about my parents or other unsuspecting individuals that don't understand their rights or even how to complete the necessary steps online.
Product: Credit reporting or other personal consumer reports

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. 

XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXXXXXX Balance Owed : {$40.00} XXXX XXXX XXXX Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance XXXX XXXX {$420.00}
Product: Credit reporting or other personal consumer reports

Incorrect account information on XXXX. 
XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX -- Incorrect inquiry information on XXXX. 
XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX Incorrect personal information on Transunion. 

XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, VA XXXX XX/XX/XXXX
Product: Debt collection

The company is attempting to collect a dept for my XXXX credit card. They call me about 20 times a day and about 3 of those calls have come after XXXX. I have asked them to stop calling so much and not so late only to be cussed out and called a deadbeat loser who cant pay bills!! I want this harassment stopped by them