23daVinci/CFPB_Complaints huggingface dataset:
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 Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I noticed that I have two medical debt collections on my XXXX and XXXX credit report. 

The collection was reported to the credit bureau on XX/XX/XXXX. 

My date of service at the hospital was XX/XX/XXXX - XX/XX/XXXX. 

That is a direct violation of XXXX and the No Surprises Act.

This is also a direct violation of the FCRA as the credit bureau 's are inaccurately reporting a medical collection debt that clearly violates XXXX and No Surprises Act. 

According to the XXXX XXXX XXXX  XXXX, medical debts can not be reported to credit bureaus until they are at least 180 days past the date of first delinquency/service. With date of service being XX/XX/XXXX, and the collection being reported on XX/XX/XXXX, that is less than 180 days and is a direct violation of XXXX. 

According to the No Surprises Act, providers must give patients an opportunity to resolve billing disputes before sending them to collections. I disputed the hospital charges as they were excessive with my insurance company and my insurance company was working that out with the hospital when I received a collection letter in the mail. 

I have attached my medical bill from the hospital showing the dates of service. I also attached proof of the payments I was making while I was waiting on my insurance company to resolve the dispute. I also attached the certified letter and mail receipts I sent to the secondary reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX was opened due to fraud and shall delete from my credit. 
Account number XXXX has a balance of {$7500.00} which inaccurate report because I never opened or applied for this fraudulent account. I request documents of ownership to see how this account was opened and also I want to see the wit signature about this fraudulent account.
Product: Consumer Loan

I have been a customer with Drive Time car company since XX/XX/2014. I have made my payment faithfully every two weeks. We just moved and are struggling to find a job but I have been taking my child support to pay the payments. In my lease as you will see it has a late payment clause for after 10 days late they will charge XXXX ( see image ). My payment was 4 days late and they repo'ed my car, leaving me with a XXXX price tag to get it back. When I called to ask about the lease agreement clause, they said 1 day late is late and they can repo my car. So what is the 10 days about then? I was advised that it should not be on my lease. No where in my lease does it say this is a ( 0 ) day grace period lease. I had made the payment ( I guess minus XXXX dollars they later said I owed ) 4 hours before my car was towed, the lady on the phone said I did a payment on their website so they refused it and I needed to go to XXXX! When she hung up my payment was returned. Three phone calls later and three different stories I guess that contradicting ( 10 ) day period is not available and you have 0 days. This is a contradiction of the lease agreement. I would of paid the XXXX dollars had I known that it would of been the reason for my repo after only 4 days. I also had a friend go to Drive Time over a year ago for the XXXX credit for my referral, NEVER got it! The way I look at it you made way more than XXXX dollars off another sale because I pitched the sale for you.
Product: Credit card or prepaid card

I reported my card stolen. First progress proceeded to allow more than $ XXXXin unverified charges. First progress refused to respond to written inquiries and hung up on me when I called. 

It is now apparent that this was all fraud so they could steal my {$500.00} deposit. If that were not the car then I would have received the copies of the signed or pin verified charges. They could not provide them, so the intention was evident.
Product: Checking or savings account

HELLO name-XXXX XXXX XXXX 
XXXX XXXX i renew my cd on XX/XX/XXXX with number XXXX online with bank marcus by goldman Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX PA XXXX this cd is keep renewing for more than two years i am loyal costumer for the bank.in XX/XX/XXXX i saw some account name XXXX XXXX XXXX is connected to my cd XXXX and my saving account XXXX and that is not my account and i never requested it. ere XXXXXXXX XXXX th withdrawal from saving XXXXand bank deposited back without informing me so i called bank today XXXXabout this fraud they ask me to to close the saving account so i did .but they didnt close my cd and asking XXXX for closing the cd.as of now XX/XX/XXXX until XXXX still that fake account is connected and showing that money will go to that account ( XXXX XXXX ) which is not mine. 
so i ask bank that i want to withdraw my money from my cd because of this scam but they are asking XXXXXXXX XXXX to do that so please help me to get my money back. 
note- bank withdrawal XXXX and put back is XXXX without my request.so they new something is wrong still not informing me. 
i talked to three different departments of bank but no response please help me to get justice i have all supporting documents and bank calls are all recorded lines of banks thanks
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the negative items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than XXXX business days after the XX/XX/XXXX. Ive already included this in my previous Complaint Number XXXX & I am including it again. 
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 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

I have disputed the attached account multiple times and have reached out to Wilshire to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. I have asked for a debt validation multiple times and have never received verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX My husband and I heard on the news that as of XX/XX/XXXX, Equifax was hacked and our personal information, social security numbers and credit information was breached. 

It is my understanding that Equifax is to offer both of us one years free credit reporting and alerts yet it is impossible to find the service. I have been on the computer all morning. I signed up and was suppose to receive an email to " finalize '' our so called membership and nothing was received.
What is the gov't going ot do about this breach? We feel we should have a lifetime of free monitoring, reporting and alerts as this issue with follow us for years to come. We have worked hard for 40 years to have an excellent credit score and Equifax jeopardized it overnight. They are doing little if anything to help their VICTIMS.
I have spent hours and hours the last two days trying to secure our credit while Equifax does nothing.
Product: Credit reporting or other personal consumer reports

There a is a few items I do not recognize on my report I have fully investigated my rights in this matter. Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit reporT
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a payment to my Capital One credit card ending in XXXX. This payment was above my " regular '' monthly payment or even the history of payments. I paid {$380.00}. This was the balance at the time. I have four accounts with Capital One -- savings, checking, and two ( 2 ) credit cards. Previous payments have been made via the checking account and the payments posted within 24 hours. These payments are electronic. On XX/XX/XXXX, it was an electronic payment. I telephoned Capital One on XX/XX/XXXX inquiring into the posting. I was informed that a " hold '' was placed on the payment. However, the Associate stated that she could make a call to have it override. I declined and stated I will call back in a few days. On XX/XX/XXXX, I call and was informed that the " hold '' will last until the XXXX. I requested a supervisor and XXXX was placed on the phone. She informed me that due to federal regulations that Capital One can place a 7 day hold on the payment " just in case ''. I asked that she mail me this regulation. She declined. It was then I felt like a criminal. I asked to speak with her superior and she stated she is " it ''. I called and spoke with XXXX and XXXX, respectfully. They both stated there was as " hold ''. XXXX did give me the courtesy of reviewing the " list '' of possible reasons for the " hold ''. Just reaffirming that the payment was " suspicious '' ; therefore, reinforcing that I could possibly be a criminal. He stated that my " pattern of payments '' have changed. No other reasons are given to justify this action by Capital One except my " pattern of payments '' have changed. This is quite disturbing.
Product: Debt collection

There was a claim issued against my State Department of revenue by a debt collection agency for a medical bill that exceeded the statue of limitations in my state of south Carolina. According to SCCLA XXXX it is 3 years. Secondly there was not proper notice of such claim provided to me by this agency or the original debtor which would have afforded me the opportunity to dispute such claims according to SECTION XXXX of South Carolina laws.
Product: Mortgage

My partner and I applied for a HELOC with Wells Fargo Bank. We have a mortgage with another bank, but they do n't offer these types of loans and we 've been banking with WFB for 40 years ( me ) and 25 years ( him ). At the time of the application, I told WFB there was a small medical bill ( just over {$300.00} ) that I refused to pay because the company would not tell me what it was for, and it was sent to collections. The bank said that should n't be an issue. My credit score came back at XXXX, which was a surprise to me, and they refused the loan on that basis alone. My partner 's score is XXXX. 

Turns out I had another bill in collections for {$130.00} that I did n't know about, and I guess that reduced my score. My score when we refinanced a year ago was in the XXXX. 

We asked Wells to review this decision and take into account our years with the bank and the fact that my credit report shows no negative activity with any of my credit cards or other payments. I have some high balances, which they knew from the start, and we were trying to get the loan to consolidate those and reduce our payments. They still refused and said it was only because my score was so low. 

Since then, my score has gone back up to XXXX according to XXXX. I have tried calling the underwriter contact at the bank multiple times but she has refused to respond to my requests to understand why this loan ca n't be approved when we clearly have the credit, not to mention the loan is guaranteed by the equity in our home. We 're asking for a loan that equals about one-third of the amount of equity we have.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
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 confidently under 15 usc 1681. The personal account information 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 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C. ( a ) ( b ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of the 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 reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the bureau a certified letter more than 30 days ago that included proof that the discharged student loans were supposed to be removed from my credit report. I sent them what it studentaid.gov has listed on their website and the letter that was sent to me both stating that when they were discharged due to the school submitting fraud they were supposed to be removed from my credit report. This bureau has intentionally broke the law by ignoring all of my disputes and information and keeping the negative information on report. This has negatively impacted my ability to secure credit and get housing. I have stated this to the credit bureau but they continue to ignore my requests and not adequately investigate and remove the information. I have included proof with this complaint also.
Product: Vehicle loan or lease

On or around XX/XX/year>, I applied for an auto loan with Navy Federal Credit Union. On XX/XX/year>, XXXX XXXX sent me an Adverse Action Notice ( attached to this complaint ) stating : " Thank you for the recent request for credit. After careful review and consideration, we are unable to approve your request for the following reasons : YOU CAUSED XXXX XXXX A LOSS. '' The Adverse Action Notice did not provide sufficient detail to enable me to understand the basis of the decision as required under 12 CFR 1002.9 ( a ) ( 2 ). Seeking clarification, I sent a letter for reconsideration and a request for clarification of the Adverse Action Notice and lending practices to the address provided by Navy Federal Credit Union. The letter was delivered on XX/XX/year>, and received by XXXX XXXX on XX/XX/year>. 

On XX/XX/year>, I called the number provided on the Adverse Action Notice to check the status of my request. During this call, a XXXX XXXX representative misled me into filling out what was described as a " Pre-Approval Application. '' I was told that my reconsideration request was under review and that completing the pre-approval application was part of their " Appeal Process. '' The representative stated that submitting this application was necessary to proceed with the reconsideration of my loan. 

Relying on this information, I submitted what I believed to be a pre-approval application in the amount of {$38000.00} for an auto loan. However, I later discovered that XXXX XXXX had processed it as a new credit application, leading to a hard inquiry on my consumer credit report. That very same day on XX/XX/year>, I received another Adverse Action Notice via email ( attached to this complaint ) stating : " Based on an internal review and/or information obtained from your credit report, you don't meet our lending criteria for approval. '' This action was both misleading and deceptive, as I had been assured that the application was part of the reconsideration process, not a new credit application.
Product: Credit reporting or other personal consumer reports

INCORRECT RESIDENT ADDESSES ON CREDIT REPORT/XXXX, XXXX, AND EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX after they sent me a letter and placed a hardship loan write-off from XXXX card, buying an already charged off loan in my name, due to XXXX card failed to let the XXXX XXXX XXXX XXXX know that they had already wrote the account off under a government program. I got sick, XXXX treatments did not work and I am on XXXX XXXX. My family had helped with assisting bills, however once the XXXX treatments did not work, they stopped assisting. I sent XXXX card a copy of my full XXXX  hearing, signed court decision and a letter explaining my medical condition that led to my hardship. 

XXXX card was very understanding and told me they were writing the loan off under hard ship. 

In my entire life, I had never been late, paid ahead of time all of my bills, even paid more than the amount due. Even while being sick. 

I now received a letter that XXXX XXXX XXXX XXXX bought a closed account under my name with XXXX card after XXXX Card refused to provide all documents. I did receive from XXXX XXXX   XXXX XXXX what they received from XXXX card when purchasing an already closed account due to hardship, however it did not include the private court XXXX  paperwork that XXXX card had in my file. 

I in turn called the collection agency XXXX XXXX XXXX XXXX on quite a few occasions. They also admitted to they do not buy hardship loans and agreed to close the file and terminate paperwork. 

I am now asking the collection company to please remove the collection account from all three credit bureaus. 
As a XXXX fighter, I deserve to have a bit of human decency and only asking that the collection be removed and all information of an account they bought through XXXX card that was already closed. Per advised by attorney, XXXX bank sold a bad loan, hardship loan that the bank had already closed and wrote off under government program. Therefore, I should not be penalized by XXXX XXXX XXXX XXXX to due the issue of XXXX selling a closed, wrote-off hardship consumer loan in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  placed someone elses debt on my credit report and they stated it was from 2008. I have no idea who these people are and was never a client of theirs. I never had XXXX  or whatever it is reporting. 

Capital One ignored a dispute claim I filed on the card they are reporting and never investigated. It was multiple charges on the card thats were fraud.
Product: Checking or savings account

For the past 3 weeks I have called Wells Fargo multiple times in order to close my checking account. Multiple times I still on hold a for a hour before the call being answered and dropped. THe one time I was connected with a person I was told I would need to call back because they say a transaction pending. I asked for them to call me back but they refused. I am trying to close my account since I was charged a fee unexpectedly. It seems like Wellsfargo makes it really hard to close your account so they can continue to charge consumers fees. This seems like a shady practice.
Product: Vehicle loan or lease

XX/XX/2019, I went into the XXXX dealer to get information on a XXXX XXXX that I was leasing for {$540.00}. XXXX a month. At that time I had been leasing this vehicle for six months. I was very worried that I may be going over my milage alluded. I just needed reassurance and advice on what I should do. I made it clear that I did not want another vehicle, I just needed reassurance on the milage because I drove out of the city every day. I spoke to the person whom I dealt with for years, I bought several cars at this XXXX dealership in the past so I trusted them, not thinking they would miss lead me. 

The dealer pressured and tricked me into getting another car for {$580.00} a month. No one checks my credit to make sure that I could afford the payments and they tacked on negative equity from the other vehicle of {$11000.00}. The total for one car came to {$41000.00}. 

I am only making {$13.00} an hour, full time and {$11.00} at a part-time, XXXX hours a month at another job. Therefore, I can not afford this car.