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

XXXX XXXXXXXX XXXX dictionary defines the term " defamatory '' the act of communicating false statements about a person that injure the reputation of that person What false statement is Kovo Inc. communicating? 
1. This credit account is open. 
2. This credit account although closed is being reported as open 180+ days past due. 

Are Kovo Inc. 's false statements injuring my reputation? 
Yes. The credit account was paid in full, closed, and never late.
Product: Student loan

We tried to pay off all my sons student loans when he graduated, we called got pay off info, sent checks, and then we started getting calls that there were loans not paid for. Over the next 5 years XXXXNavient kept us forbearing our loans while we " figured it out ''. In XXXX they finally told us the problem was interest capitalizing on all the loans in XXXX of 2011, why then when we called for pay off information at the end of XXXX, beginning of XXXX, and end of XXXX was this never reported.? They do n't have an answer, and they insist I am responsible for all charges that accrued. I do n't think that is fair since they made the mistake in the first place, and compounded the mistake by taking 5 years to be able to explain it. These are very shady dealings and I feel they are just trying to XXXX us over.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXX Balance : {$9100.00} XXXX XXXX  XXXX Balance : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My apologies if this is received multiple times. There is an inquiry on my transunion credit report from XXXX of 2022. The inquiry is listed as XXXX XXXX, XXXX. I do not recognize this inquiry and would like it removed.
Product: Credit card or prepaid card

I applied online for a business credit card with Chase in XXXX of XXXX. They needed document to process my application ( copy of EIN ), I sent it to them and never heard back. I tried calling their customer service number and their hold times are always more than an hour. When I finally got time to call them and spend time holding such incredibly high wait times, I was told its been more than 30 days since I applied and they closed my Process. My credit report was pulled. 

I didn't want to spend time researching, my credit is perfect, so I figured I will just go to the branch and apply for a credit card in person. 
I visited the branch on XXXX and applied for a credit card. I emailed the banker a copy of EIN for my business and also applied it to the website provided in a letter from Chase. 

I have spend ridiculous amount of time calling Customer Service, being transferred from one department to another department. Talking to their Executive Office was a waste of time, they did not to anything, instead they closed my case and told me their loan department will reach out to me. To this day, nobody reached out to me and I have not received a response to my business card application after I provided them with the copy of my EIN for my business.

I also reached out to XXXX XXXX XXXX and they closed my case with the result of this issue being resolved, however nothing was done. Chase just told them that case has been closed and consumer has been notified. 

We are in XX/XX/XXXX and I started applying for a simple business credit card in XXXX of XXXX. 
This has been the worst experience ever, however I am looking to get a resolution as I do not want to go apply somewhere else for the third time to just open my business credit card!

Their customer service and Executive office take no ownership of issues their customers are having.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX  XXXX XXXX and XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; XXXX. Proof that you are licensed to collect in my state ; and XXXX. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed for a loan with my bank I received a denial letter. Stating I had account in collect or delinquency. I have no accounts in collection or delinquent Lack of revolving account information. I have multiple loans. In my name reporting to all reporting agencies Lack of bank/national revolving informal. I've been with the same bank for 25 years. 

Length of time accounts. I have multiple loans/accounts that have been open for years. 

The report was from Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the co-signer on a loan student loan for my sister with XXXX XXXX and they didnt pull my sisters payment in time and made it late when she submitted it on time and it has negatively effected my credit for years. The payment was made on time and pending on their end. They counted it as a missed payment. It shows as a major missed payment and they will not take it off. It was one occurrence and they were quick to throw it on my credit score as a co signer instead of resolve the issue. They would not even release me from the loan until she made 12 months of payments on time after that occurrence.

It was recently fixed on XXXX  due to the help of this service and I would like this removed from TransUnion and XXXX  as well immediately.
Product: Checking or savings account

On XX/XX/2020 my checking account was hacked at Navy Federal Credit Union. I reported the compromise XX/XX/2020 to the company that {$3800.00} was ACH transferred to another bank without my consent. Since the compromise the company will not answer my question or let me talk to anyone in the security department. In summary I am a victim of Identity theft and also bank fraud.
Product: Credit card or prepaid card

I have several credit cards with Comenity Bank, XXXX XXXX, Sony, XXXX XXXX is my due date and is imposible to make the payment, I have been trying to get online to pay my bill that was due today. Site down all day long. it's been down for days with no communication. So I have no way to make my payments, customer service number says " due to unforseen circumstances our offices are temporarily closed. ''
Product: Checking or savings account

There is an issue with the bank where nobody is getting their deposits from their jobs. This has been going on for 3 days now going into a holiday weekend, I was supposed to get paid yesterday and capital one is still holding my money hostage. Banks have insurance and are able to release the funds to us until they get reimbursed. This is an issue on their end and they also are providing absolutely no information about when it will be resolved. I was on hold today for 2.5 hours to be told were working hard to resolve the issue, we dont know when it will be fixed As of right now capital one is going to be giving me my hard earned paycheck 6 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX also at Equifax and she refused to remove these hard inquiries from my report, she told me whether I authorized them or not they will be off my report in 2 years! 

XXXX is does not allow me to speak live they connect me to a chat and then the agents keeps stating that you can dispute these bc they are statement of facts and ask if I would like their mailing address! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

During the beginning of the epidemic, I spoke with someone at Wells Fargo Dealer Services about payments, I declined the deferred payment at first, then I accepted the offer for deferred payments and heard nothing after that. I was working in XXXX Tennessee, and the truck was repossessed. They didn't allow me to make up the payments I missed, instead they made me come up with XXXX to get the truck back. I had to use payroll to get the truck back. Wells Fargo now says that its a charge-off after I paid my money, and its not favorable on my credit report. I have repeatedly told them that this is a bad practice. I went to purchase a truck today and was denied because of this.
Product: Debt collection

The phone number XXXX has called numerous times throughout XXXX, XXXX, and XXXX. Theyve called me XXXX times since XXXX started. Its currently XX/XX/XXXX. They ask me to verify my name and I do, then they proceed to tell me that they cant find account information. I spoke to a XXXX and they submitted a ticket to their IT to have my name removed from the account, this was in late XXXX or early XXXX, but they continue to call me. Ive blocked their number, but when they last called, XX/XX/XXXX at XXXXXXXX XXXX  I asked to speak to a supervisor and there wasnt XXXX available. I was transferred to Customer Service and found out they were operating out of the XXXX. I disconnected and blocked their number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting my score by over XXXX points. Compared to XXXX and XXXX. I have all three reports matched up and they are all the same as reported.. They are killing me and tells me I was 60 days past due but does not show it in there report from any account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I hope this finds you well. Back on XXXX records # XXXX. We submitted a complaint to you regarding XXXX XXXX XXXX. In which you passed on the information to another agency. We never heard back from anyone. After a long battle with XXXX XXXXXXXX on the phone XX/XX/2019. We were told, because we mailed a final payment with a letter to close the account BUT logged into the XXXX XXXX web portal to verify they received final payment ... that triggered " reopening '' the account in which we were charged {$500.00} XXXX monthly fees plus finance charges since we had no idea " we reopened the account by logging on ''. XXXX XXXX via a recorded phone call on both sides, assured us they would remove from our credit report ... in which we filled a complaint with XXXX and wrote letters to all XXXX credit bureaus. One credit reporting company did communicate with us and it is removed, but the other 2, never responded and the XXXX XXXX is a mark against us, with late payment and account closed by XXXX XXXXXXXX. This company preys on people mistaking them for XXXX XXXX, same logo, etc. Address out of XXXX XXXX, company is actually overseas. How do we stop this company from preying on others? How do we once and for all get this horrid mark removed from the other XXXX credit bureaus once and forever? They are a predatory falsifying " Bank '' lender NOT from XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against the credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 ( a ) ( 1 ), which prohibits furnishing inaccurate information. Furthermore, these accounts were reported without my written consent. According to 15 U.S. Code 1681b ( a ) : Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I request the immediate removal of the following accounts from my credit report : XXXX. XXXX XXXX  - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX ( 2 Duplicate accounts reporting ) XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX  - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX These reporting of these accounts breach the following sections of the FCRA : 15 U.S. Code 1681, Section 602 ( a ) : This section emphasizes the need for accurate credit reporting to ensure fairness and privacy. The false information on my report violates this principle, compromising my creditworthiness and privacy.

15 U.S. Code 1681, Section 604 ( a ) : This section limits the purposes for which consumer reports can be furnished. Inaccurate reporting exceeds these permissible purposes, unfairly damaging my ability to obtain credit and other benefits.

15 U.S. Code 1681c ( a ) ( s ) : This section outlines the time limits for reporting negative information. The accounts in question either exceed these limits or are incorrectly reported, violating the statute.

15 U.S. Code 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.

It is also pertinent to note the requirement of written consent involving multiple signatures for reporting data. Under 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) : A consumer reporting agency may furnish a consumer report for credit purposes only if ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for credit purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

The companies involved must provide proof within five days that they obtained the required three signatures or they must delete all listed items.

Thank you for your prompt attention to this urgent issue.
Product: Debt collection

I recently received communication from Eastern Account System of Connecticut. have no contractual relationship with this company. I demand this company to cease and desist contacting me otherwise I will declare it as harassment.
Product: Credit card

On XX/XX/year>, I made a XXXX-night reservation at XXXX XXXX by Hilton in XXXX, NV, using my Hilton American Express ( Amex ) card. The reservation number is XXXX, and the total charge for the stay was {$330.00}. 

During my stay, I encountered significant service failures that rendered the accommodations unacceptable and uninhabitable, including : A non-functional heater on a night with temperatures in the XXXX. 
Being abruptly awoken early in the morning by a building-wide fire alarm, triggered by hotel staff burning food during breakfast preparation. 

These conditions fell far below the standard of service promised by Hilton. I requested a refund directly from the hotel, but they refused. Instead, Hilton Corporate issued XXXX reward points as a goodwill gesture. 

These reward points have no measurable cash value, are insufficient for a comparable stay, and can not be used unless I accrue a sufficient balance. At no point did I agree to accept these points as compensation, nor were they ever presented as a resolution I consented to. 

On the same night, I contacted Amex to dispute the charge, and their representative initially assured me that my evidence was sufficient for a successful chargeback. However, Amex later reversed their position and sided with Hilton, claiming the reward points constituted a valid resolution to my dispute. 

I explicitly stated multiple times that reward points were not an acceptable remedy, and I repeatedly requested a full refund. 

On XX/XX/year>, I contacted Hilton Corporate again and demanded that they remove the points and issue me a full refund ( XXXX XXXX : XXXX ). XXXX has continued to use these points as a tactic to avoid properly refunding me for their failure to deliver promised services. 

I have escalated my dispute multiple times with Amex, providing them with a Hilton corporate ticket number referencing my case. I also engaged with both Hilton and Amex customer service representatives, and Hilton indicated their property manager would contact me to resolve the issue. However, no follow-up occurred, and Amex closed my dispute again without a proper investigation or justification. 

To document these issues publicly, I have posted a XXXX review on the XXXX XXXX XXXX property listing, including images as evidence of the conditions I experienced. 

You can view my review and supporting photos here : XXXX XXXX XXXXXXXX Desired Resolution : I am requesting the full removal of the {$330.00} charge for services that were not provided as promised and for Amex to properly and impartially review my chargeback dispute, free from bias arising from their co-branding relationship with Hilton. 

This situation highlights a failure by Amex to act in good faith, prioritizing their partnership with Hilton over their obligations to me as a cardholder under the Fair Credit Billing Act ( FCBA ).
Product: Credit reporting or other personal consumer reports

Im filing a formal complaint regarding ACHIEVE PERSONAL LOANS ( Account Number : XXXX ) due to their ongoing reporting of inaccurate information on my credit report. Despite several disputes, the inaccuracies remain unresolved, continuing to harm my credit score and misrepresent my financial history to potential lenders. I have made multiple attempts to resolve this issue by contacting both ACHIEVE PERSONAL LOANS and the credit bureaus, yet no action has been taken. The failure to address and correct these errors is causing unnecessary financial stress and limiting my access to credit opportunities.
Product: Credit card

My interest rate was increased without notice to 26 %, and I have had my auto pay set to pay whatever the minimum balance is each month, the idea was to help build my credit. After 6 months, I notice that I have been getting hit in $ XXXX interest charges, some months I was charged XXXX $ in just interest. When I called the Company today to find out why, they said I needed to pay the entire statement balance in order to stop the massive interest charges. Gave no reason as to why my rate changed and then the rep tried to tell me everyone 's rate is the same, then would n't explain why the minimum payment that their system sets, is n't really what I need to be paying or why they couldnt notify me about it. I have no late payment history with these people yet they told me they can not change my interest rate or work with me on getting this paid off.
Product: Checking or savings account

I verified all of my personal information but still wasnt able to access funds
Product: Credit reporting or other personal consumer reports

Ive been with XXXX XXXX XXXX XXXX years and it constantly breaching my information to the black web and not helping me clean it up now 30 days ago there was another breach and my account was hacked with XXXX XXXX XXXX workers stating they needed a deposit and another line was added, and I was paying for months on another line without permission, never added investigation with been more than 30 daysNothing has been resol Nothing has been resolved.ved.