23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On Thursday, XX/XX/XXXX I received a free annual credit report. After reviewing my reports from all 3 bureaus ( Experian, XXXX, and XXXX ), I noticed a few errors. At approximately XXXX on XX/XX/XXXX I submitted a dispute through the Experian app, requesting to correct the errors. 

Incorrect addresses Incorrect phone number Incorrect credit card information-XXXX XXXX XXXX XXXX  account that has been paid and closed is reflecting a new charged off status as of XX/XX/XXXX. However, this account was originally charged off in XXXX of XXXX. Experian refuses to make corrections to the payment history. A payment was made in XX/XX/XXXX and the account was closed. I explained this to Experian in my dispute. Experian responded to my dispute same day and stated the information has not been changed. Experian did not do their Due Diligence by reaching out to XXXX XXXX to validate the monthly payment history from the date of account opening until it was closed ( XXXX ). I have the right to view all supported documentation that was used to validate if each month from XXXX is reflecting the correct status on my Experian report. 

Experian is in violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 by willful and/or negligent inclusion of erroneous data on my credit reports.

Under Section 609 of the FCRA I would like to request a complete file of the information that Experian used to validate my old XXXX account from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; that means it's illegal to put derogatory or late payments on my credit report it also is not open it's closed and there's a monthly balance stating XXXX dollars means it need to be corrected and updated the previous dispute you said it was accurate about me being the cosigner my signature is under the buyer that means this is fraud
Product: Checking or savings account

Bank charged me over draft fees when I didnt even go negative money just went missing. Around {$300.00}
Product: Credit card or prepaid card

I have a credit card with Bank of America. I made two back to back payments on XX/XX/XXXX and XX/XX/XXXX of 2021. My bank and I have proof that I made these payments. After hours and hours of talking to them and sending documents that I made these two payments they refuse to acknowledge that I made two and they say I only paid one. My bank reimbursed me one of the payments of {$200.00}. I paid off my credit card with Bank of America. Now they tell me I still owe them {$200.00}. They are charging me interest. It is affecting my credit. I am at a loss of what to do. Can you help me?
Product: Vehicle loan or lease

I entered into a contract with US AUTO SALES on XX/XX/XXXX for a XXXX XXXX XXXX. I saw on the news the company closes not knowing where to go for additional financing who to call. The last conversation I had with US AUTO SALES I updated my contact information which is my phone number and a relative address because I reported staying in hotels with my kids and was told a portion of my loan will be deferred. I actually got an email from Us Auto sales XX/XX/XXXX saying my deferment was approved. I got an email from a new company westlake financial and tried several times to reach out to them to gain clarity no answer from the company. The email sent says no reason to call just make payment by creating an online account when trying to create and online account I could not because my contact information was never updated. Everytime I reached out to westlake the phone rung for a long time and when a person finally picked up the phone they immediately hung up the phone. Now today my car was finally repoed and when pressing the option for repression I was able to talk to some one who told me I had to pay $ XXXX today to get my car back. Admitted to not having proper contact information to contact in the matter but Im still out of my car I paid for in the last 3 years. I offered to pay {$800.00} today and in two weeks to retrieve my vehicle. I also asked the tow company who took my vehicle so that I can retrieve my personal property inside the vehicle was given a number that I called all day no response. I have another phone that was inside the car at the time of tow which I was able to track the location up until the phone died which led me to a sheriff station where the tow truck rode by which told me near by repo yards in that county. Although my car was not at any of those tow yards they led me to call XXXX XXXX ncic to see who retrieved my vehicle. I have still been unsuccessful with collecting my personal property have not be able to speak with anyone else from westlake financial or the recovery company they say they use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never get to speak with anyone up to now ..
Product: Credit reporting, credit repair services, or other personal consumer reports

MY rights are being Violated and I keep being told that the account is verified I am not asking for verification Im requesting for DELETION BECAUSE I DID NOT GIVE WRITTEN consent for any of this to be finished on my credit report In accordance with the Fair Credit Reporting act Convergent Accounts are violating my rights # XXXX for XXXX XXXX XXXX, XXXX bank # XXXX XXXX XXXX XXXX and I have received a 1099 for this so it is no longer a bill so it should not be reporting as a open collection, 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 in accordance with the law 15 U.S.C 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Except as authorized under subsection ( b ), 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.Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; SO THIS ITEM IS INACCURATE AND I WOULD LIKE IT DELETED
Product: Debt collection

To whom it concerns, This is my 3rd round sending in dispute letters to Transunion to verify the accounts included in my XXXX letter. I am a victim of an identity theft and need these accounts removed immediately.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit reported and noticed that Transunion and XXXX are still reporting XXXX XXXX XXXX which is a charged-off debt to my account after two attempts to resolve this matter. I contacted Transunion and XXXX in XX/XX/XXXX XXXX  and XX/XX/XXXX XXXX  and have yet to receive any update. 
Furnishing discharged debt, which is now being claimed as taxable income is violating my consumer rights, specifically 15 USC 1681E ( B ). Transunion and XXXX have not done their due diligence of reporting maximum accuracy to my credit profile. Income CAN NOT BE REPORTED to one 's credit report. I have requested that information be removed as I have been issued my 1099c form. I would like to resolve this amicably.
Product: Credit reporting or other personal consumer reports

I have accounts reporting on my credit profile that were opened fraudulently due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting the following accounts have violated my rights : XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX Acct # XXXX, XXXX, XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX 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 an account without my written instructions
Product: Checking or savings account

On XX/XX/XXXXXXXX  my husband and I opened an account with Citizens Bank in XXXX XXXX We deposited XXXX cash and a check from one of my husband 's clients in the amount of XXXX dollars. A few days later we received a notice from the Fraud and Claims Department saying, " Some of the information on the check is not consistent with other information on the check. '' They said they would release the funds on XXXXThis did not happen. When I called the Customer Service department, they said they would be released the next day. The funds were not released. We received a second letter saying the funds would not be available until XX/XX/XXXX for the same reason. Both of these notices were signed by the fraud department. When we spoke to a supervisor at Customer Service, they said all Citizen funds had to go through the Federal Reserve and it was being held on their end and there was nothing they could do about it. I called the Federal Reserve, the representative was adamant that no, they had nothing to do with holds on private accounts- ever. He gave me your number and said for me to contact you right away. That the longest they could hold our money was 8 days. We have since learned that the only way the bank can hold your money is if they believe it's fraudulent. We also learned from the Citizens customer service supervisor that she is dealing with calls like ours every day. Multiple times a day. I have been online and seen complaint after complaint of customers going through this very thing. My husband, XXXX XXXX, who the check was made out to, is a Fraud Examiner, and believes this is a pattern and practice. If the deposit is over a certain amount, its just flagged by the fraud department in order to hold a customers money as Citizens is under pressure to increase their liquidity. This, according to reports on XXXX news. Finally, we contacted the bank the check was drawn on and they sent us a copy of the check that had cleared on XX/XX/XXXX. Before they even sent the first letter, they had the funds. We have a picture of the check. There were no inconsistencies on the check. When my husband tried contacting the banks compliance officer the number provided didnt even ring, it just clicked. He finally contacted the man on linked in. He said he had left Citizens four years ago. He believes this is a pattern and practice, which constitutes fraud and that a criminal referral should be made to the FBI. I just need our money. I have a mortgage and an XXXX mother who I help support. I would appreciate any help you can provide. Thank you.
Product: Debt collection

I am writing to formally address unresolved issues regarding my XXXX  account, which I have been attempting to resolve through XXXX  Complaint # XXXX. I now face further confusion and interference that require urgent investigation and resolution. I would like to request the review and combination of my previous complaint with this new matter to ensure a comprehensive solution. 

Details of the Current Issue While attempting to resolve the prior complaint, I have become aware that the account in question involves a XXXX XXXX XXXX  rather than XXXX. The account has been reported as follows : XXXX XXXX : XXXX XXXX XXXX. 
Collection Agency : Credence Resource Management Address : XXXX, TX XXXX Account Number : XXXX Original Balance : {$750.00} Date Opened : XX/XX/XXXX Status : Collection account ; {$750.00} past due as of XX/XX/XXXX Balance Updated : XX/XX/XXXX This discrepancy has led to unnecessary confusion, including receiving communications from XXXX  despite my attempts to clarify that the accounts are unrelated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX account was report fraud these fraudulent charges on this account has been report fraud a valid police report has been submitted to Equifax as well as XXXXXXXX XXXX XXXX XXXX from has violated my FCRA rights under 15 U.S.C 602 section 8 15 U.S.C. 604 ( a ) section 2 15 U.S.C. 1681 C-2 section c which I demand Equifax to exercise these right as they apply to me. 

XXXXXXXX XXXX is in violation of 15 U.S.C. 1692 f section 1, 2, 3 15 U.S.C. 1692 g
Product: Credit card or prepaid card

I stopped using my credit card after paying it off several years ago. Recently a fraud appeared on my debit card, the bank provided provisional funds while they investigate, and I can use the money in the meantime. Not an often occurence. They stop all activity on the account until I get a new card in the mail and activate it. This time however my prescription came in at XXXX. I didn't have cash so I used my old charge card. A few days later I called the bank to ask how much I owed. In addition to the XXXX for the prescription I had made another 1 or 2 small purchases under {$10.00} on XXXX. I wanted to pay it off immediately. To my surprise it was XXXX. I explained that I didn't make any purchases that large and wanted to dispute the charges. I couldn't. Not only would I have to pay the minimum due for months while the process ran through, but I would have to pay a late fee as well. I explained that I was on a fixed income of {$820.00} per month, on food stamps, medicaid and TX pays my Medicare. I can't afford to pay someone else else 's debt in that amount over time. Because of my slender means it may of necessity be late because I don't have the money. That's why I never used that card after paying it off several years ago.
Product: Credit card

Dont remember date but I reached out to them to lower my payment because I lost my job and they said I need to pay full and the extras they charged me capital one
Product: Bank account or service

I have a stock trading account at XXXX which is owned by Capitol One. On XXXX/XXXX/15 I requested a transfer of settled funds from XXXX account to my Capitol One savings account. The transfer was not made until XXXX/XXXX/15 at XXXX EDT. 
But as of XXXX CDT the funds still had not shown up in my Captiol One savings account. Since both are owned by Capitol One and these are electronic transfers the failure to properly credit the savings account is not correct. In addition, Capitol One puts a ten day hold on these funds being transferred from my savings account to other non Capitol One accounts. This is an unconscionable use of my funds.
Product: Credit card or prepaid card

My Dependant house Wife with no personal income of her own was able to open a credit card using her ( husband 's ) income and was approved with a {$12000.00} credit limit without my permission or knowledge.
Product: Credit card

I was reviewing my Online Banking and I did see the indication of how much I would have to pay to pay the account off in 36 months. This would be helpful so that I can see how I can get to pay this off in a short period of time.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to request a copy of our contract with One Main Financial, including the terms and conditions, and a record of our payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an obvious mix up within my credit report, I found errors and accounts that's not mines. I'm asking that the account XXXX XXXX XXXX  be removed / blocked from my report the account says it was opened XX/XX/XXXX, but the inquire says XX/XX/XXXX, it doesn't match up nor is it mines. In addition there's an account XXXX XXXX opened date XX/XX/XXXX, that says a joint account, I never cosigned or jointly associated with anyone. I'm asking that this account be blocked/ remove in accordance with the law of the FCRA . Lastly account named XXXX XXXX XX/XX/XXXX is not mines and I'm requesting physical documentation of this account or in accordance with the FCRA this account shall be removed.
Product: Credit card or prepaid card

Today, XXXX  XXXXXXXX  Day, I contacted Navy Federal Credit Union to discuss my credit card rewards and a new application. The person who picked up had no idea how the rewards work and he was part of the Credit Card team. Repeatedly he gave me the wrong guidance on the program and mis-directed me on the web site. 

I then asked him about application XXXX which denied me an additional card. He said it was because I only make {$10000.00} a year. I told him I make much more than that and he said well that's what I put in the application. I explained that every time I apply for a mortgage, auto loan or some product NFCU just screws it up and never grants it. 

They have my true salary and also get direct deposits from my employer 2 times a month. They have all my information and my FICO score is XXXX. 

So this XXXX  tells me that I put that value on the web site and I had to tell him 5 times that i did not. He said well we dont have access. I corrected him and said of course you have access to the application, the database and all components. i requested an audit and to speak with the Fraud Department. He refused to transfer me to either group. 

Meanwhile it impacts my credit by NFCU always running my credit score and then not providing a product.
Product: Credit card or prepaid card

Using my Citi credit card at a XXXX store, the prompt displayed " do you want to shop with points ''. The receipt credited {$10.00} for shop with points but Citi deducted XXXX rather than XXXX from my rewards points. I've historically used my rewards points as statement credits and I pay in full monthly, having never been charged interest BUT Citi is effectively charging 25 % interest for shopping with points. It is deceptive and predatory. Citi will make millions by stealing 25 % of consumers ' rewards balances in that scheme. I contacted Citi when I saw the issue after the 2nd time and they said, management likes to hear customer feedback to improve products so they'll pass my comments on to them, and that's all they had to say. Going forward, I will skip shop with points but a down on his luck or maxed out card holder could need points to complete purchases if they have no other means. Citi owes me {$5.00} but they must stop redeeming points for less than their value and stop bamboozling customers with a quick POS terminal request to use points where the redemption value does not equal points consumed.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 my Robinhood account was restricted and they refused to tell me why. I had a total balance of {$350.00} and they closed it with the money inside of my account even though when they sent me the initial email informing me that my account was restricted they told me they would let me transfer my funds. They never did. They kept my money. For months ( XXXX XXXX XXXX ) I kept reaching out to them months after and they never helped me
Product: Credit reporting or other personal consumer reports

SINCE XXXX XX/XX/XXXX TO XXXX XXXX XXXX  CFPB I am demanding proof of contract not computer created statements because they have only sent me copies of statements that I don't even know where they came from or who they are from in a computer you can create mani things like robo signatures I am demanding proof of contract I am demanding proof of contract I am demanding proof of contract they don ; t show proof of contract because they don't have one This is my eighth Qualified Written Request, for proof of claim Dated XX/XX/XXXX. Like on Previous letters advice that BLITT AND GAINES, PC. should fail to produce proof of claim within 30 days ; they will have exhausted their administrative remedy under a private administrative process and tacit agreement, BLITT AND GAINES, PC. failed to provide any documentation, original wet ink signature contract note specifically including records transferred from any previous lender or Bank. And BLITT AND GAINES, PC. ignore my demand and instead supply false untrue forms in pursuant of USC Title 18, part1, chapter 101 2071. USC Title 18 Part1, Chapter 63 1341, 1343, 1345, 1346, 1349.
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- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX- 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: Mortgage

Chap XXXX bankruptcy discharged XXXX XXXX, ( home was included ). XXXX XXXX sells loan to Bayview. XXXX home mod attempted but not taken by home owner. XXXX XXXX foreclosure re-started, XXXX auction was cancelled. Not rescheduled. Neither Bayview or their lawyers will respond to emails about when or if the auction will be rescheduled. XXXX years after bankruptcy and XXXX years last mortgage payment still no resolution, although they continue to pay the taxes and house ins on the property.