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

INACCURATE INFORMATION ON CREDIT REPORT. WRONG SOCIAL SECURITY FTC VIOLATION XXXX/XXXX XXXX - {$1700.00} - DOES NOT BELONG TO ME HARD INQUIRIES - US SM BUS ADMIN XXXX, XXXX   XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Bank account or service

Im not able to open an account due to a check I had no idea about. I was young and not thinking about why I would receive a check in the mail. I placed the check in my account and I waited three days like the teller told me before I could remove any funds. After three days I went to the bank to find out that the account was onhold/closed due to a fake check. Ive been trying to resolve this problem for the longest time. I had to cancel my direct deposit and wait for the money that was in the account already to be released to me by check in mail. I currently have a prepaid card that Ive been using since then. Im working on building my credit and hopefully will be buying a house. I cant do any of this if this matter is not resolved. I ask that it be removed off my credit and that I have a second chance. I call XXXX and had the report mailed to me so that I could find out why I cant get an account in my name. I filed bankruptcy in XXXX 2012 it was discharged in XXXX 2012. I believe this was included as well
Product: Debt collection

I have been a patient of the XXXX XXXX in 2016. I have made several payments that have not been reflected in my billing statements. I was recently turned over for collection by XXXX XXXX to M.G. Credit of XXXX, Florida. I have sent two letters with copies of payments but have not received an answer from M.G. Credit as to the status of why my rece3ipt for payment have not been reflected in my billing statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries 15 U.S code 1681n Infamis of pulls Collections, Charge offs, auto loans, student loans, credit cards : 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

Medical bill : You are in violation of 15 U.S code 1692g medical bill or personal information should not be on my report Action to put underneath each item : 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title XXXX chapter XXXX The Following Must Be Deleted ASAP!! 

XXXX XXXX XX/XX/XXXX, XXXX {$1700.00} XXXXXXXX XXXX  XX/XX/XXXX, XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXXXXXX $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$860.00}
Product: Student loan

Ive never missed a payment, Ive been paying for years now and my balance is hardly moving. I have a 10yr payment plan.

I too, was told to take a break at one point and go for a forbarence during XXXX XXXX ( not being told Id be accruing interest ) In XXXX I called to ask about applying extra payments outside my normal payment to try and pay down my balance. She said to make an overpayment and itd go directly toward the principle. Almost a year later, I find out .... Im paying interest on the overpayments. 

Next, I look further into the past payments ( auto drafted ) theyve applied {$11.00} here to principle and then {$200.00} to principle another month then back to {$100.00}, and randomly taking huge chunks of interest in a non assending order at all. Theres definitely misapplied payments and Im definitely being taken advantage of. I should have paid closer attention.

I tried to make a complaint on the website but its not working. Theyre really not helpful on the phone either.
Product: Credit card or prepaid card

I have a Capital One Venture Card. On XX/XX/2020 I was charged a annual fee of {$95.00}. After I discovered the annual fee, I called customer service on XX/XX/2020 to cancelled the card. At the time the customer representative convinced me to downgrade to another Venture Card so that I won't get charge on the fees and told me that fee would have been waived. 

When I check my statement in XX/XX/2020 I still see I carry the annual fee. On top of that I am being charged interest of {$2.00} per month since then for the annual fee, totaling {$10.00}. 

I called them today XX/XX/2020. I requested for supervisor who is Senior Account superior. Basically she told me that me that that don't waive annual fees. Had I known that I would have just close the account all together.
Product: Checking or savings account

I received printed checks and a debit card in the mail from a bank I did not open an account with on XX/XX/22. I called them on XX/XX/22, and they said they would close the account, and I should report this to the FTC and the three credit bureaus.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance Owed : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple loan originations have been fraudulently originated on my behalf by Evergreen Moneysource Homeloans/ Evergreen Moneysource Mortgage XXXXEvergreen Homeloans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On or about : XX/XX/XXXX Loan # XXXX for {$270000.00} XX/XX/XXXX Loan # XXXX for {$170000.00} XX/XX/XXXX Loan # XXXX for {$140000.00} I am confused and do not understand how this could occur. This is major Consumer Abuse
Product: Credit reporting or other personal consumer reports

Ive had this car loan for over 8 years now. Ive tried over and over to dispute this with Capital one because this account is paid off but has a lot of delinquencies so I want it off my credit. I think I at least deserve that. This account is affecting my credit negatively and its been the 7 years Law that it has to stay on my credit.
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 XXXXXXXX XXXX Account XXXX XXXX XXXX, has violated my rights. 

XXXX XXXXXXXX Account number XXXX, has violated my rights. 

XXXX  XXXX Account number XXXX has violated my rights. 

XXXX Account number XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX  Account 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: Debt collection

I am filing a complaint against AR Resources Inc. for their repeated failure to provide proper validation of a debt they are attempting to collect, and for reporting inaccurate information to the credit bureaus.
Details of the Issue : Lack of Proper Licensing : AR Resources Inc. does not possess the necessary license to collect debts in the state of XXXX XXXX. According to XXXX XXXX state law, debt collectors must be licensed to operate within the state. AR Resources Inc. 's lack of licensing renders their collection activities illegal and invalid.

Failure to Provide Adequate Validation : Despite multiple requests for validation, AR Resources Inc. has failed to provide proper documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). They have only provided a standard account summary, which does not meet the legal requirements for debt validation. Specifically, they have not provided : The original signed contract with the original creditor.

A complete payment history.

Proof of assignment or ownership of the debt by AR Resources Inc.

Instead, AR Resources Inc. has repeatedly provided the same insufficient form that does not constitute valid proof of debt. This form does not address my request for proper validation and fails to meet the standards set by the FDCPA.

Continued Reporting of Disputed Debt : AR Resources Inc. has continued to verify the debt with the credit bureaus without providing proper validation. This is a direct violation of the FDCPA, 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until the debt is validated.

Impact : The actions of AR Resources Inc. have caused significant stress and financial hardship by negatively impacting my credit score with inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to finance a car through XXXX  I told them I only wanted my credit ran to one bank but they ran it through serveral other banks. 
It was ran through XXXX XXXX XXXX XXXX two times on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union fraudulently placed unauthorized inquiries on my credit report, I was a victim of fraud and they told me they're not going to remove the fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  balance increased by {$48.00} NOT ACCURATE XXXX XXXX Due to the amounts of fraud going on this is unacceptable, this does not belong to me and I want it removed. 



XXXX  fraudulently placed unauthorized inquiries on my credit report, I was a victim of fraud and they told me they're not going to remove the fraud. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX increased by {$48.00} NOT ACCURATE XXXX XXXX Due to the amounts of fraud going on this is unacceptable, this does not belong to me and I want it removed. 



XXXX XXXX REPORT INCORRECT BALANCE ON ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX/XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623
Product: Checking or savings account

I opened a Chase Total Checking account on XX/XX/2021 because of a promotional offer I received for a sign up bonus of {$220.00}. After completing the sign up and initiating a deposit from XXXX, XXXX XXXX XXXX ) I tried to find the offer again online to forward to a friend. At that point I saw the monthly fee that I was not made aware of before opening the account. Upon looking further into my account settings I noticed a XXXX XXXX account under a tab named Show or Hide accounts. I then realized that Chase Bank had opened an additional debit account in my name that I never requested or was made aware of. I also found out that the XXXX XXXX account can not be accessed via the mobile site and is only ever visible under that specific tab. I am still currently unable to get in contact with customer support. I attempted to lock my Checking account and was not able to. I am unable to close the account online, which is how I signed up for it. It must be done over the phone or in person. When I called to demand my accounts be closed I was told to call back Monday through Friday. Fortunately the deposit has not reached the Chase bank account yet. Chase 's 48 page legal disclaimer is outrageously long and intentionally confusing. I am outraged that a banking company is able to hide the fact that they opened a secondary account under my name without my approval or knowledge. Today is XX/XX/XXXX. There has been a hidden debit card open in my name for 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I apply for a credit card over two weeks again. I get a letter in the mail. Saying I was denied do to my score being a XXXX. I called experian to get this taken care of. Because on there web site it show my score as being a XXXX. Also there are thing that I have paid in full and its showing on those account they are derogatory marks when accounts have been paid in full. I have apply for credit cards and get denied all the time because of this. Also XXXX XXXX put a freeze on my account. I have called and sent in request to have it removed and its still there. I am not happy at all because my other credit scores are in the 600. 

Thank you so much for your time
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00}
Product: Credit reporting

Hello, I have a leased a vehicle from XXXX and have been making consistent and on-time payments for 5 years now. I was startled to see when I checked my credit report that there was a record of a 30+ day late payment with XXXX that was negatively affecting what has been otherwise a very good credit rating. I have never been deliquent with a payment for 15 years! After checking my checking account and seeing that no check had been cashed for 2 months I realized that I was past due and immediately called their billing agency and made payment by electronic check. I am now up to date on my payments. The problem is that I believe that I am not at fault, and that XXXX IS at fault for this late payment. Therefore, I called XXXX explaining the situation and requesting that 1 ) XXXX waive any late fees associated with the payment and 2 ) that XXXX go back to my credit report and state that I was not deliquent on any payment. XXXX was willing to do number XXXX, but they were adamant about not going and correcting my late payment on my credit report, claiming that because XXXX was not at fault, they had no obligation to do so. I then contacted Experian, and after their investigation, they did not amend my credit report either. 

I believe that XXXX is wrong, and that they are obliged by law to correct my credit report, since the reason that the payment was late was their fault not mine..I have leased with XXXX for 5 years and never missed a payment till XXXX XXXX. XXXX on the other hand has always been quite haphazard with when I receive invoices from them. Sometimes I will receive them within a couple weeks of the due date, other times just within days of the due date ( in which time I have to turn around and pay the bill very quickly ). XXXX time I even had to call XXXX and ask where my bill was as I was getting nervous that I would be late due to getting their invoice not in time to mail payment back. I also found out from XXXX that they use XXXX party entities to send out invoices and to process payments. In the case here, XXXX never sent me the invoice for the months in question, and naturally I did not pay since if there is no bill, it does not enter my mind to send a check. It would be impossible to keep track of all my bills without the invoices that the companies send me! XXXX says that it is my responsibility to pay, even if they failed to send an invoice for that month, but that does n't seem fair at all putting all that responsibility on the consumer. Even this month, XXXX claims that they sent an invoice on XXXX XXXX, and I am still waiting for the bill. Why should my credit score be damaged seriously by something that is XXXX 's fault? 

I am further frustrated by the fact that XXXX never communicated with me effectively in telling me that I was late for payment ( in which case I would have paid immediately ). The only thing they did was left a vague phone message which I did n't return because I thought it was regarding a completely different issue that I had called them about and was not urgent for an answer. I wish they would have sent me a letter or something to let me know I was late!
Product: Credit card or prepaid card

XXXX Calls my phone and says has lower interest rates available for me on my credit card. I have hung up on several times but called back today and person who answered said was a private number XX/XX/XXXX XXXX called 2 times XX/XX/XXXX When you call back says number not in service XXXX call rejected when try to return call called 4 x XXXX XXXX XXXX called XX/XX/XXXX If you call number says not working number XXXX called 2 x on XX/XX/XXXX called 1 on XX/XX/XXXX XXXX Phoenix Financial called 2 x XX/XX/XXXX called 2 x XX/XX/XXXX
Product: Checking or savings account

Ive been trying to transfer my money out ( declined with no explanation one month ago and ignored my inquires 3 weeks ago ) and then close my account ( also ignored my communications over a week ago even though their site says they will reply in 2 days ). They will not let you close over the phone- automated system says due to security reasons. I have never been able to talk to someone.
Product: Mortgage

I can not contact my Mortgage company, Suntrust/Truist to get the proceeds from a check my insurance company sent with my, my spouse and suntrust name as payees back from Suntrust. It means we are unable to continue to work on our property which was damaged in XXXX when Hurricane Laura devastated our town, XXXX XXXX, La, and damaged our home which is financed with Suntrust. There is no way of contacting them by phone to speak with a representative. For several days in a row, I've waited 2 hours by phone and simply had to hang up. I called at XXXX, their opening hour, and immediately go on hold for hours. I need help with finding out about the check sent to them for a signature 3 weeks ago. We are at our wits end. Is this something your agency can assist me with? If not, I simply dont know how to contact them as your calls NEVER get you to a representative that can assist you, only recordings. 

Sincerely, XXXX and XXXX XXXX
Product: Mortgage

I have been trying to get a loan modification with Selene financial for close to 2 years. After offering me only a feed in lieu or short sale they offered me a loan modification and I appreciative. However the terms are unclear to me. It doesn't state the duration of the loan 30 years nor whether the balloon payment contains administrative fees as well as arrears. 
I does not disclose if there is a prepayment penalty.I need truth in lending and feel that I am asked to accept unfair terms through nondisclosure. I am an XXXX American female Citizen who has been the victim of loan modification flipping in the past. The practice continues.
Product: Credit reporting or other personal consumer reports

15 USC 1681 SECTION 602 A States I have the right to privacy 15 USC 1681 SECTION 604 A : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX  Reported : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported : XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

Credito Real USA / AFS Acceptance financed my auto loan in XXXX XXXX XXXX. I never received a copy of the Agreement or any paperwork. I have made all payments on time and started asking for the agreement and a copy of my payment history in XXXX XXXX XXXX I could not get it until over a year later ( XXXX XXXX ) after I refused to stop calling them in order to get it. Found out car had frame damage and wasn't told about it in XXXX XXXX when it was serviced for an alignment. I got 3 different auto shops to verify this information and sent it to Credito Real immediately. All 3 auto mechanic shops stated if I have frame pulled it could total the car and none of them wanted to perform the job for safety reasons. Credito Real agreed by phone in XXXX XXXX  to settle my loan for {$6000.00}, I owed almost {$9000.00}. A few weeks later ( XX/XX/XXXX ) while I'm at the car dealership they tell me they wont take less than {$10000.00} and that I owe {$12000.00}! Shows {$8000.00} on my credit report and i can not seem to get financed for a new car with this situation going on. I have a 28 % interest rate and have been a great payee. I would like them to honor the {$6000.00} agreed payoff so i can get a safe reliable car to get to and from work in.