23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had terrible experience with Wells Fargo back in 2014. I was always charged with overdraft fees when I know I was never in the wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive XXXX credit Report of XXXX XXXX with many errors and Derogatory Remarks on my credit Report. 
XXXX XXXX XXXX Auto Loan # XXXX Derogatory Remarks of 30-59-60-90 days late of XXXX-XXXX-XXXX and many other errors are not been deleted. 
I have marked all the errors and derogatory remarks. 
XXXX already removed the Derogatory Remarks, of XXXX auto loan, but XXXX and Equifax hasn't remove it yet.Why? 
Also XXXX  has removed Bankruptcy from my credit report, but XXXX   and Equifax hasn't remove it yet.Why? 

I also I was employed for XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Ca.for 27 years and I retired on XXXX XXXX on XXXX XXXX.This error needs to be corrected as XXXX has XXXXXXXX XXXX XXXXXXXX. 

I respectfully need a expedited removal of derogatory of XXXX  account because I am going through a VA Loan and purchase process with XXXX XXXX  and XXXX XXXX and derogatory Remarks and unauthorize hard inquiries are not allowing me to obtain a VA Loan as a XXXX XXXX XXXX   Military Veteran. 
I am XXXX XXXX and XXXX. 
I appreciate XXXX, Equifax, XXXX support for our Military Veterans. 
With Respect and Honor Always!
Product: Debt collection

The company is Portfolio Recovery they call way to often at least 5 to 6 times a day on both my phones. I had two XXXX XXXX Credit Cards each using a different number I think this is harassment.
Product: Credit card or prepaid card

I called customer after applying for 2 XXXX cards and the representative stated that it is not approved as I have bad relationship with XXXX as my cards got closed in the past. However, none of my cards EVER gotten cancelled and in fact I have 4 credit cards with XXXX 

They sent me in a circle and I talked to 5 representative up to the Manager 's manager.  And even then they would not help as they assumed the worst in me. My payments and everything are in perfect standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the credit reporting act XXXX  Account # s Has violated my rights account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. XXXX  XXXX XXXX 2XXXX XXXX XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX  XXXX XXXX XXXX  6.XXXX  XXXX 7XXXX XXXX XXXX  8.XXXX XXXX XXXX 9XXXX 10.XXXX  XXXX 11.XXXX XXXX 12.XXXX  13.XXXX XXXX XXXX 14.XXXX XXXX 15. XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish an account without my written instructions
Product: Vehicle loan or lease

A few months before this issue I refinanced my loan from XXXX XXXX to Capital One. 

I sold my vehicle, the buyer gave me a cashiers check which was certified by Capital One for the amount remaining on the loan. 

The check was mailed overnight XX/XX/XXXX, and was accepted and posted as paid off on XX/XX/XXXX. 

I received power of attorney documents by Capital One on XX/XX/XXXX. The documents were filled out and mailed overnight on Friday XXXX XXXX. 

I waited a few weeks for it to come in the mail as it should have. On XXXX XXXX I called Capital One to inquire about the title. I was told there was some mix up and that they had the original title and were going to mail it to me and it would take 3-5 days to process, then it would be sent overnight via XXXX. 

After waiting until XXXX XXXX I called once again to find out what was going on. I was told that Capital One didn't have the title and was going to instead send me a lien release. 

XXXX XXXX I finally received a lien release, made an appointment with the DMV and went to have the title transferred to the buyer. DMV told me that the title they have on file does not list Capital One as the lien holder and would not accept Capital One 's letter. 

I contacted my previous lien holder ( XXXX XXXX ) to try and get a lien release directly from them. They told me that only Capital One could request the release letter because the loan was paid off by them ( When I refinanced a few months prior ). 

I again called Capital One to give them this information and was told once again that they were going to sort that out and mail me a new document. 

XXXX XXXX. Still haven't received anything from Capital One. I called again and requested to talk to someone higher up, I was transferred to a resolution specialist that told me that the paperwork hasn't been moved to the right department and that they are trying to " find '' the title. 

XXXX XXXX. I called the resolution specialist again to get an update. I was told that they " found '' the title and sent it out on this day. 

XX/XX/XXXX. After 10 weeks from the day it was paid off I still have not received anything from Capital One. I was never contacted about the issue by the company, I always had to call for information. This has put me into hardship, the amount of time i've spent from work going to the DMV and waiting hours to talk to a representative over the 20+ calls i've made to resolve the issue. The person who purchased the car has also suffered since they can not register or use it. 10 Weeks with no resolution or clear solution to the issue is absolutely unreasonable.

At this point I have been wronged by Capital One. I do not know what steps to take further to resolve this issue. I have exhausted every option on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of ALL information on my credit report, they stated that they did and stated everything was accurate. After doing a thorough research myself and found improper Inaccuracy on my report after they stated that they verified ALL information to be accurate.
Product: Credit reporting or other personal consumer reports

See the attachments concerning the incorrect, inaccurate, and non-valid addresses, names, and phone numbers that are being reported on my consumer report.
Product: Credit reporting or other personal consumer reports

This is my third complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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/year>
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. 

XXXX  XXXX XXXX : XX/XX/2023 XXXX : XX/XX/2023 XXXX : XX/XX/202XXXX XXXX : XX/XX/2023
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I recently made a payment of {$600.00} and that amount was from all the past due payments that I have previously missed. I eventually got caught up on all my student loan payments and stopped missing payments that were due. I am now caught up on all my student loans. I would appreciate if those late payments that are on my credit report could get removed, having those late payments on my credit report is preventing me from boosting my XXXXredit score.

In accordance with 15 USC 1666 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

My child support account # XXXX is with XXXX XXXX not XXXX XXXX XXXX. XXXX  XXXX XXXX was contracted by XXXX XXXX to collect withholding only. They do not own this account. It is a XXXX XXXX account. ( see attached email ) XXXX XXXX XXXX  continues to report incorrect information even after a representative from XXXX XXXX contacted them and instructed them to remove the late reporting on my credit report. 

Attached is an email from XXXX XXXX dated XX/XX/2018 that affirms my child support account is with XXXX XXXX and that my account is/was current during the months that XXXX XXXX XXXX is reporting 120+ lates. 

Also attached is the payment record that shows XXXX  XXXX XXXX reported 120+ lates while the account balance was XXXX. 
This is a gross violation of the FCRA and these items must be deleted from each CRA for failing to verify and ensure accurate reporting and properly investigate previous disputes. 

Violations seen on attached credit report : XXXX - XXXX   XXXX XXXX reports a 120 day late for XX/XX/2018 even though the balance due was XXXX. ( see attached payment record ) - Item must be deleted. 

XXXX  - XXXX XXXX XXXX reports current for XX/XX/2018 and then a 120 day for XX/XX/2018. It is impossible to become 120 days late within a 30 day period. 
XXXX and XX/XX/2018 report as 120 day lates even though the balance owed was XXXX. ( see attached payment record ) - Item must be deleted. 

TRANSUNION - XXXX  XXXX XXXX reports 120 day lates for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 even though the balance due was XXXX. ( see attached payment record ) - Item must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XXXX XXXX, 2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested for a reinvestigation as my right under FCRA 611 and on XXXX XXXX, 2020, XXXX did not delete as requested and just updated the accounts for Midland Funding. As relevant proof I disputed these Midland Funding accounts with XXXX, since XXXX had a different name reporting along with my other personal information, as a result XXXX deleted the erroneous Midland Funding accounts from my credit report. I believe I have become a victim of Identity Theft. I have attached copies of my XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Credit Bureaus are required to remove any items not later than 4 business days after the XX/XX/XXXX letter. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX  XXXX Balance Owed : {$51.00} ; XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXXXXXX Balance Owed : {$70.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX OF XXXX Inquiry date XX/XX/XXXX ; XXXX  XXXX BANK XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXnquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : XXXXXXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX ) These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. # # # XXXX XXXX Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Direccin : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXhese accounts are either fully paid or incorrectly reported, and their continued reporting is a violation of my rights under the FCRA, as it misrepresents my credit history and unfairly impacts my creditworthiness. # # # Legal Basis for My Dispute : The FCRA mandates that consumer reporting agencies and furnishers of information ensure the accuracy, fairness, and privacy of information included in credit reports. The unauthorized inquiries and misreported collection accounts violate the following sections : - 15 U.S.C. 1681b ( c ) : Permissible purposes of consumer reports, restricting access only to those with legitimate authorization. - 15 U.S.C. 1681s-2 ( b ) : Responsibilities of furnishers to correct and update information after receiving a dispute. - 15 U.S.C. 1681e ( b ) : Ensuring maximum possible accuracy of the information contained in consumer reports. Additionally, the Federal Trade Commission ( FTC ) has issued clear guidelines supporting consumer rights in such disputes. Failure to rectify these errors promptly could lead to further legal action, including penalties under the FCRA
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states its illegal to report Transactions History.Title 12 Also states anything dealing with a securities is and automatic Federal Court Case. Also a charge off is considered income and isnt supposed to be listed on my report of debt sold as its a certificate of indebtedness.
Product: Debt collection

Upon reviewing my recent credit report, I identified multiple accounts that I think were added without my permission and are incorrect. Please block and remove these fraudulent accounts immediately.
Product: Debt collection

I keep being sent notices over a debt that is not mine. I was a co-signer for an auto loan of over 13 years ago. These people keep calling me and sending notices that they are going to take action against me. Mr. XXXX from Settlement Dept.
Product: Checking or savings account

I was charged overdraft fees on top of more overdraft fees. My account has recently closed due to tremendous fees accumulated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Applied for a mortgage on my investment property at XXXX XXXX XXXX in XXXX XXXX on XX/XX/22 The delays by Civic Financial have resulted in numerous delays and have cost me more than {$6000.00} in fees and interest payments to date.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, I placed an order via telephone with XXXX XXXX  XXXX ( dealer ) in XXXX, FL for an item. The amount was {$550.00}, charged to my Navy Federal Credit Union ( NFCU ) XXXX XXXX. I followed up on XXXX XXXX to learn that the dealer could not secure the item from their vendor. I requested a full refund of the amount. The dealer issued the refund and provided me documentation. However, I have yet to receive the refund. I checked with the vendor and they indicated I should have already received the refund. I kept checking with NFCU to determine the refund status ; however, was given no information or insight as to the status. 

I waited eight days before moving forward with a dispute with NFCU, and provided proof of refund documentation. NFCU now indicates the " investigation '' into the matter would take up to four months, and insist that I pay on the account the amount in question. I asked for a provisional credit while the matter is being investigated and they declined. At one point I was told by the NFCU rep that the department I was communicating with were merely " pencil pushers '' and had no further information for me. I asked to speak to the " investigator '' of the matter and was declined. I spoke with a supervisor and was told " there was nothing they could do. ''
Product: Checking or savings account

On XX/XX/XXXX Bank of America issued a payment to XXXX XXXX XXXX in the amount of {$75.00}. Funds were taken from my checking account under their bill pay program to pay my creditor/Payee. On XX/XX/XXXX I received notice from XXXX XXXX XXXX they never received payment and charged my account {$29.00} for a late fee. I immediately sent an inquiry to Bank of America to investigate. I received an email today they tried to call me and put me on the line with XXXX XXXX XXXX. This is a complete fabrication! I never received a call. In addition, the cell phone listed in my profile has not changed since XXXX. I've been a client of Bank of America since XXXX.
Product: Credit card or prepaid card

On XX/XX/2018 I requested a paper check be issued for {$200.00} to my father XXXX XXXX XXXX from my prepaid American Express Serve card. The company issued a check for said amount and indicatedd my father would receive the check within 3 days. XX/XX/2018. The check never arrived and has never been cashed. I filed a request for a stop payment on the check but, yesterday I received an automated letter that they can not issue a stop payment on an ach transfer. The transfer was not ACH since I never provided an account number or routing number for my father, it was supposed to be a paper check which is clearly indicated when you log on to their website. I called today and they say that they need further investigation and will not have any information until XX/XX/2018. I have made several attempts calling the company but they are unwilling or unable to credit the missing {$200.00} back to my Serve Card.  I was told yesterday that the stop payment would be issued and today XX/XX/2018 the {$200.00} would be available for use. Today I call and they again mis inform me that I must wait until XX/XX/2018 for them to complete an investigation into their own deceptive practices and I fear that I will once again simply receive a form letter refusing to stop payment and keep my money. Please help.
Product: Checking or savings account

My cd matured XXXX with ally bank. Two weeks ago I gave them instructions at maturity and asked for a confirming e mail. I was told you would have it in two days. Never happened. Then I was told two days before maturity. 12 calls I recieved nothing. Today it matured and they refused to e mail the instructions given. I dont trust that the funds will be wired as promised to my chase account. They told me a Letter will be mailed. They should be fined and removed as a bank. They are a disaster
Product: Credit card or prepaid card

Capital One insists on me providing them with an EIN. I've explained to them that the IRS does not provide an EIN for a single member XXXX, they use my social security number. They proceeded to restrict my account, after they had charged me a {$59.00} membership fee, and will not issue me the {$100.00} in accumulated rewards. I have paid off the card in full, but they will not allow me to receive my rewards that I have legitimately earned.
Product: Debt collection

I had made the required payment for my Citi account and they still continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve the issue of having fraudulent information appear on my credit report for a XXXX  XXXX XXXX credit card several times. The issue is that, at the time the account was opened ( XXXX ) I would have been too young ( XXXX yrs old at the time, born in XXXX ) to be a co-applicant for this credit card. My latest dispute was filed thru Experian on XX/XX/XXXX after contacting XXXX  XXXX XXXX. The account has recently been closed by XXXX  XXXX XXXX with an outstanding of over {$10000.00}. This is effecting my credit report in a negative manner and I have a security clearance to maintain.
Product: Credit reporting or other personal consumer reports

I have been disputing XXXX for years ; this account was used in fraud! There is a balance of {$2300.00} that is not mine. Furthermore, they sold my account to a collection agency who removed the account from my credit report due to fraud however, XXXX still is reporting a balance owed!
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports