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

I sent letters off on XX/XX/2022 ( tracking # XXXX ) to remove personal information that i dont want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to15 USC 6802. No financial institution is suppose to share my information to third party people. THESE ARE CLEAR VIOLATIONS OF MY FEDERALLY PROTECTED CONSUMER RIGHTS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX, XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear CFPB, I am writing to formally submit a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, Experian, XXXX I recently reviewed my credit report and noticed that my positive credit card account with XXXX XXXX  has been deleted from my XXXX credit report. Credit Card accounts stay on your credit report for 7 years. 

After contacting XXXX XXXX customer service, I was informed that they reported to all three credit bureaus XXXX, Experian, XXXX on XX/XX/year>. However, Experian has failed to accurately reflect this information on my credit report. Instead they deleted it from my credit report. XXXX. 

Furthermore, Experian has violated 15 U.S.C. 1681 ( a ), which pertains to the accuracy and fairness of reporting. I did not provide Experian with oral or written consent to pull my credit report, and this action has adversely affected my credit history by shortening it. 

I kindly request that the CFPB intervene and compel Experian to restore my XXXX XXXX account to my credit report. Thank you for your attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested validation of XXXX XXXX debt, but the credit bureaus keep " verifying ''. I requested information, documentation, contracts, signed agreements for the debts that are being reporting a negative on my credit profile. 1st request sent certified mail XXXX/XXXX/17 ; response was " verified '' 2nd request sent certified mail XXXX/XXXX/17 ; response was " verified '' Credit bureaus have not provided documentation on unverified negative records in my credit profile : * These items remain on my credit report in violation of Federal Law. * Under the FCRA the credit bureau should provide me a copy of the original creditors documentation to verify if this information is mine and is correct. * These negative records are also listed on my report as duplicate records ( 2-4 times ) cause a significant impact on my credit profile and score ; resulting in credit denial and I am unable to refinance my home to favorable terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Portfolio Recovery Associates, LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
Product: Checking or savings account

During the COVID-19 global pandemic, I was assessed an incredible amount of NSF fees by USAA bank XXXX I called once in XXXX to ask for some of my NSF fees to be refunded, and they complied. They offered to allow me to claim " financial hardship '' in XX/XX/XXXX but I politely declined because at that time I didn't need any additional assistance. Through the rest of XXXX, I was charged a total of {$980.00} NSF fees across two accounts. I called in XXXX of XXXX to claim the financial hardship they once offered me since we are in a global pandemic, and I was told that was not an option. In XXXX, I was charged a total of {$1000.00} in XXXX fees after I was told I could not claim financial hardship. I called in XXXX of XXXX, as well as posted on their facebook page, my situation and respectfully asked if they could refund me my money as we are in a global pandemic and are in a financial hardship and I was told no and they threatened to block me from their XXXX  page. It is also important to note that I have been a USAA customer for over 8 years and have used over 10 of their available services including various checking accounts, insurances, etc.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX to collect a debt from XXXX. XXXX failed to disclose the call was to collect a deb until XXXXXXXX XXXX into the conversation. 
I requested the supervisor, was transferred, and the manager ( unknown name ) was very dismissive of the issue. 

No resolution for this infraction of offered or addressed.
Product: Mortgage

On XXXX XXXX, 2016 the short sale lender requested that we receive an offer in the amount of $ XXXX. I now have an offer in that amount and I submitted it over to the short sale lender on XXXX/XXXX/2016 and the short sale lender has come back and stated that they do not have enough time to review the short sale offer and they suggested that I just let the property foreclose. However, if they would postpone the foreclosure sale to review my offer, then I will not have to get foreclosed on in XXXX. At this time, I feel as if the short sale lender is being unreasonable and they are not giving me an opportunity to review any foreclosure alternatives. This is absolutely the worst lender I have ever experienced. I know that the government says that the lenders should provide foreclosure alternatives to homeowner. So, I am asking, no I am demanding that someone stand up for me and my right to need assistance.
Product: Debt collection

The collection account on my XXXX credit report is not accurate. 
Rec Mgt Grp ( original creditor : XXXX XXXX XXXX ) - XX/XX/2021, {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XX/XX/XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I was notified by the mortgage office that an old creditor GM Financial was reflecting my bankruptcy with an incorrect date, my bankruptcy file date is XX/XX/XXXX with a discharge date of XX/XX/XXXX. GM Financial has a date of XX/XX/XXXX for the discharge, I have filed a complaint electronically and also called and spoke to a rep with XXXX  and still no resolve. I explained to the rep that this was included in my bankruptcy and the information needs to be accurate. After reviewing my credit report they had the balance as {$10000.00} and the total balanced owed as {$100000.00}. Now this is affecting me from being able to purchase a home due to the mortgage company advising that I can not proceed further for another 2 years based on the incorrect information/date they see on the file.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX  XX/XX/2022 ; If XXXX and TransUnion feel there is a possibility XXXX items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Kohls Charge personal on the phone in 2016 and agin in on my last phone interview with Kohls Credit.

I was told that the late payment in XX/XX/2016 would be removed if I filed an dispute.

I was told both the call were recorded.

Please, have the fraud department audit the calls and remove the late pay.

I also tried to pay the amount due the week of the charge and was told I could not pay until it posted.

The above was at the XXXX  Customer Service Department on the week of the Charge. I called the # on the Card.
Product: Debt collection

The name of the company is called IQ Data international Inc their address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WA XXXX. I have received two letters from this company I have tried to resolve the situation on today 's date XX/XX/2023 and I am not sure if this is a real company because upon talking to the person they wanted more information personal information and hung up on me when I refuse to give it to them.
Product: Credit card or prepaid card

I applied for credit card with Avant and was approved online. To send my card they wanted a photo of my drivers license, verify my phone number and email. I submitted all the requested information and then was prompted to 'take a selfie '. I was having trouble taking the selfie and called the company to express my frustratihotoon. The representative I spoke to could not help me and ask if I wanted to close the application to which I replied NO I would figure out how to provide the requested information. 

I called back and got a different representative that was able to help me. Together we were able upload the requested information. As soon as I uploaded it I got an email from Avant that says I was declined. This was AFTER they said I was approved. 

I don't mind not getting the credit card but I am furious that they took ALL my personal information and did not give me the card. There was no reason for them to request my verification to make a decision about giving me the card. It is quite apparent that they 'changed ' their mind after receiving my photo ID, verified my phone number and email address AND got a photo of me by a selfie. None of that was needed to make a decision and I would only have sent that because they told me I was approved. What are they doing with personal information from people that do not have an account? This needs to be investigated.
Product: Credit reporting or other personal consumer reports

I want these inquiries deleted from my credit report as I did not authorize these companies to run my credit this is fraudulent. 
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 XXXXXX/XX/XXXX Exeter finance LLC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express advertised a welcome promotion on its XXXX XXXX XXXX American Express Card. Under this promotion, American Express will award a new cardholder XXXX XXXX XXXX points after spending {$2000.00} in purchases on your new Card in your first 3 months. 

I applied for a XXXX XXXX XXXX American Express card and was approved in XX/XX/2021. On XXXX XX/XX/2021, I reached the required {$2000.00} spending criteria for XXXX XXXX XXXX points to be awarded. However, two months later, as of XXXX XX/XX/2021, I have not received these points. 

Upon following up with American Express on multiple occasions in the past two weeks, the company not been able to resolve my issue.
Product: Debt collection

I contacted FBCS back in XX/XX/XXXX certified mail regarding the company illegally pulling my credit since XX/XX/XXXX. However, the company never responded. However, after I notified FBCS certified mail with a dispute letter regarding them pulling my credit without my consent, authorization, or awareness. No response. FBCS, failed to respond, instead they waited several months later to add an account to my credit reports, while failing to respond to my dispute letter sent back in XX/XX/XXXX in regards to the unauthorized inquiries. When I initially contacted the company certified mail regarding them pulling my credit, there were no accounts that were listed by FBCS or had been added to my credit reports. However, after they signed & received my dispute letter that wanted to know why they had been pulling my credit, the company ignored the dispute letter ( s ), waited several months, and just added an account onto all 3 credit reports. I had to learn about their deceitful actions by accessing my credit reports. When I contacted the credit bureaus, the company then continued to update and falsely verify the account as belonging to me, yet the collection agency never contacted me prior to falsely adding an account to my credit or after. I learned about FBCS illegal credit pulls by obtaining a copy of my credit reports. However, no contact of any sort was ever done by FBCS. On XXXX XXXX, FBCS signed and received another dispute letter sent certified mail. This letter outlined all of the illegal violations FBCS conducted back in XX/XX/XXXX, and highlighted how they failed to respond back to my certified dispute sent to them back in XX/XX/XXXX. The letter also explained the violations and how they continue to do them. However, after FBCS signed and received a recent dispute letter on XXXX XXXX, again no response or reply was ever provided from the company. The XXXX tracking # XXXX XXXX XXXX XXXX XXXX was signed and received by FBCS on XX/XX/XXXX.
Product: Credit card or prepaid card

I dont understand why I keep me in the night for an Apple Card, I make my payments on my other credit card in time every month, Im just looking for a chance to prove myself I have a long time Apple Music I would like to purchase more items thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I purchased a XXXX vacuum and financed through XXXX XXXX XXXX XXXX XXXX -parent company Scott Fetzer Financial Group Our agreement was that my first payment would be XX/XX/2018 with a 10 calendar days late payment Im made my first payment on XX/XX/2018 using my 10 day grace period On XX/XX/2018 I hard a hard inquire on my credit report because we are correctly financing with a bank and it came back that I had a LATE PAYMENT on XX/XX/2018 the day I signed Parker work for the vacuum, when I called the company ( XXXX ) they said that this was false and that they they did not run my credit-the report said otherwise-and that my account was in good standing with them
Product: Mortgage

This is a HELOAN. My monthly payment was always XXXX. I was late paying my taxes which Mr. Cooper paid part to the City. I paid this back and continue paying my real estate taxes to my City. In  XX/XX/XXXX I filed bankruptcy with a discharge in XX/XX/XXXX. During which time I never received statements from Mr Cooper, I made several calls asking why no statements, but got no justified answer. My outstanding balance owe in XX/XX/XXXX was {$1800.00} and in XX/XX/XXXX escalated to {$4700.00} even though payments made during that time exceeded {$9000.00} ( BLOCK OUT PERIOD ) The amount owe continue to increase. Now {$7000.00}. Mr cooper stop taking my regular payment in XX/XX/XXXX. I was told my account has been forced escrowed and was told by some staff this escrow will be removed since I am up to date and I have been making my Real estate tax payments. I FEEL THIS AMOUNT OWE IS INACCURATE AND MY PAYMENTS ARE NOT BEING APPLIED CORRECTLY. The HELOAN NOTE agreement has been violated. I have been charged late fees in excess of the agreement since XX/XX/XXXX ( fee should not exceed {$10.00} and at times was charged $ 20- {$45.00} ) until corrected in XX/XX/XXXX. I have been Charged 3rd party fees totalling {$490.00} and no one could explain why. 
My request to Mr. Cooper 1/ Please apply my HELOAN payments correctly so I can see what I actually owe dating back from XX/XX/XXXX. 
2/ Please Discontinue the escrow and return my excess payments since I was never notify of escrow.

3/ Please provide me with statement on my account XX/XX/XXXX to XX/XX/XXXX to verify what went wrong.

4/ Please refund me all unauthorized 3rd party fees charged.

5/ Please refund all late fees charged in excess of the agreed amount on the HELOAN Note agreement.

6/ Please make my loan corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXXXXXX XXXX XXXX I had scheduled a payment with XXXX XXXX for my account. I recently had my debit card stolen so my funds were not in the account. I spoke with them to set up another bank account to connect since my previous one was stripped of funds. After the call they said my new account would process the payment. Once the due day occurred it didnt come out of the original account so it bounced back which caused me to be 30 days late. I have never missed a payment ever and felt this was really frustrating considering the fact I just had spoke with them on the phone. When I reached back out the company didnt take ownership and said they couldnt do anything about it.
Product: Credit reporting or other personal consumer reports

My credit score is showing XXXX whereas the XXXX other credit reports with the same information are showing into the XXXX. That only that but every company has updated Experian with the proper account status balance information and other very important critical information to calculate my score and they have provided the evidence of that and yet Experian does not update and report properly and timely. This is getting ridiculous and I'm going to contact a lawyer if they don't fix this. They play games over and over with customers and have multiple data breaches as of late that they do not address either. Whenever I send a complaint through this system they do not respond to the actual details of my complaint. XXXX XXXX XXXX XXXX and all of my other credit accounts are not accurate only on Experian. The information is correct on XXXX and XXXX. For example XXXX  is not overdue and I am not over my balance. Another example is XXXX XXXX My balance is only about {$400.00} and they have it at {$1600.00}. Both of these companies have provided me evidence and as I can see reflected on my other XXXX credit bureau reports as updated and accurate except on this report. There is something seriously wrong and they are discriminating against me because I am finally complaints and they are retaliating by lowering my score and not calculating it properly. There are lawsuits for these same things with the same problems with Experian. They retaliate and they discriminate. I think it's time for them to be sued by me now.
Product: Student loan

Regarding Aidvantage : On XX/XX/23 I attempted to make a payment of {$9000.00} which ended up having a payment reversal. I made sure my bank details were correct and even tried using a different account on XX/XX/23 to make a payment and that was reversed too. Both times I received email confirmations of my payment and at no point did I receive any notification that my payment had been reversed. There is also no information telling me what went wrong with my payments so I have no idea how to resolve this issue.
Product: Checking or savings account

On XX/XX/year>, I was assured by the Assistant Vice President at the XXXX XXXX XXXX XXXX, XXXX, AZ branch that no unauthorized charges would be allowed on my account. However, the following unauthorized transactions were processed : XX/XX/scrub>XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$81.00} Overdraft fee of {$81.00} for the XXXX XXXX transaction. 

These actions violate consumer protections under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, 12 C.F.R. 1005.11. J.P. Morgan Chase failed to investigate or resolve these issues, leaving me financially vulnerable.

I request the CFPB to investigate these practices and enforce necessary corrective measures to protect consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my wifes and my credit report the bank reported us 60 days late on XXXX for the month of XXXX for both of us as it is a joint account. I reached out to XXXX XXXX XXXX XXXX where XXXX XXXX said this was incorrect and would be correct and still to this day no avail as to a correction. He also asked me to send him a report showing where it was showing this and still no fix. I am requesting this to be removed completely as it was never paid late.
Product: Debt collection

I started getting random emails in my account about a XXXX credit card after i fell victim to a XXXX  job scam in which i had accidentally given my ssn number and picture of my id and i called them when it started showing up on the report since the debt was fraudulent and unauthorized and not mine and i disputed it with XXXX  multiple times and they kept denying it and harrassing me.
Product: Checking or savings account

I made three payments through the Pnc bill payer to the XXXX XXXX   under the nick name XXXX account on : XXXX {$30.00} XXXX {$50.00} XXXX {$30.00} None of the money has been applied to the XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft back in XXXX I started to see credit cards, student loans, and auto loans on my profile. I asked the school and XXXX to investigate to have this remove due to my police report and identity theft affidavit but every time they keep transferring this account to different different depart and not removing the account. 

Last they agreed to remove the but for some reason they contact me and said the account being service through a new company even though its a fraudulent account. So i need your need your help cause they trying put a debt in my name that is not mines. 

on my credit file its showing XXXX student loans, XXXX : XXXX Account # : XXXX Open XX/XX/2016 Balance {$1400.00} : XXXX Account # : XXXX Open XX/XX/2016 Balance : {$1800.00}. All account has interest with late payment which is hurting my credit.