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

On XX/XX/XXXX IN received a EIDL grant for my small lawn service that I currently own and operate. The loan amount was funded by through XXXX XXXX, a small lender. Being that all of my earnings were sent and deposited directly into my personal account the grant was able to be deposited there as well. Almost instantly my account was placed hold " No debits '' status. Suntrust/Truist placed an holdon my account pending the verification on the account. I submitted paperwork to the lender proving that the account was opened before XXXX XXXX, XXXX. MY account was established XX/XX/XXXX. I called the fraud department as well as visited my local branch as directed by the customer service representative. The representative that I spoke with told me that I would have to visit my nearest branch. After visiting my local branch, the local branch advised me that a bank representative needed to call in to the fraud department to verify my identity. Once at the local suntrusts branch, the representative was told the sam things that I was told, That no information can be given over the phone. This has been an on-going process. On once occasion I observed a Suntrust/Trusit customer receive the same grant that I do, he wasn't questioned his demands were met with no hesistation. I am A XXXX veteran and ALL of my XXXX payments were going to my Suntrust account prior to this incident. I will no longer be banking with Suntrust/Truist.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX Balance : {$290.00}
Product: Debt collection

XX/XX/17Original debt was .. {$500.00} a, after interest and fees accumulated to XXXX.. XX/XX/17 also had a XXXX ./ the original debt has been. Paid to the creditor .. the secondary debt collector .. ( security credit services located ) will not update the credit beaureas and remove derogatory remarks from credit. I am recovering from the XXXX and attempting to recover my credit as well ..
Product: Credit card

I contacted Capital One on XX/XX/XX/XX/XXXX... .. disputing {$1900.00}. 

To whom it may concern- Please note that services regarding the charges were for goods thats were not delivered as agreed and advertised. 

Please see where attempts were made regarding purchases for a specific app with XXXX and the game kept crashing and several charges were made and duplicated on several receipts to make combined charges. I have asked the developer and XXXX to reimburse me or credit my debit card and keep getting the run around. The developer of the app is also turning customers into test customers without notification or updates to the customer. The developer has also had major glitches in the app and support is not supportive with fixing the issues. I also reached out to support on the issues throughout XXXX and XXXX. I have told them that I have contacted my bank and have started a dispute requesting a refund. 

XXXX was also contacted on XX/XX/XXXX and XXXX before I contacted Capital One for a refund. The apple excuse is not eligible for a refund with no other explanation. 

I do not want XXXX to be able to charge my debit card with Capital One any longer moving forward as they you can not get an individual on the phone to speak with and they do not communicate back with specifics. 

Please see all attached documents regarding these purchases and efforts to get refunded first without trying to involve the bank. 


Merchant ( s ) Date ( s ) Amount ( s ) Information Needed XX/XX/XXXXXX/XX/XXXX {$56.00} {$64.00} {$48.00} {$27.00} {$32.00} {$32.00} {$54.00} {$41.00} {$27.00} {$48.00} {$81.00} {$51.00} {$16.00} {$100.00} {$16.00} {$59.00} {$46.00} {$27.00} {$75.00} {$48.00} {$29.00} {$64.00} {$32.00} {$160.00} {$54.00} {$54.00} {$280.00} {$340.00} *Original receipt or contract *Date of cancellation, return, or expected credit *Expected date of product or service *Description of product or service not received *Proof payment was made another way *Date and amount of valid charges on this debit card *Efforts to resolve dispute with merchant *Reason for cancellation or return *Merchants terms and conditions or return/cancellation policy *Amount of credit due *Reason due a credit *True nature of dispute *Copy of credit or voided receipt
Product: Student loan

On XXXX entered into an agreement with XXXX XXXX XXXX and XXXX XXXX XXXX involving student loan debt and forgiveness. The contact person with this agreement was XXXX XXXX/Enrollment Advisor, Ph XXXX, Fax # XXXX, address of XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. I have been unable to contact neither XXXX XXXX or XXXX XXXX XXXX over the past few weeks. I was notified by Navient, Department of Education Loan Servicing ( current holder of the loan ) that my loan was severely delinquent and that now the balance on my loan is in excess of {$4100.00} when the principal on my original loan back in XX/XX/XXXXwas less than {$20000.00}. Because I was pursuing further education I was under the assumption ( after speaking with XXXX XXXX XXXX and XXXX XXXX ) that there would be deferrment or forbearance of my loans as long as I was furthering my education. I do not dispute that fact that I need to repay my original loan amount. I just believe that I was severely mislead by this man and this fraudulent company regarding the repayment of my original loan. Also my credit has taken a huge hit since this has happened and I would like to set thing straight and get on with my life. This situation has devastated me and is hard to explain the impact that it has had on my life.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX XXXX is and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just spoke to the Executive Team at XXXX XXXX XXXXXXXX and caught them in a major lie. They sent a letter trying to conclude their investigation in which they have done zero investigation. I just had the same representative for 1.5 hours and I had him going back and fourth and with faulty information. This person has no more information that people below him which are not in the executive level. 
He claims he wants to help me but he kept fumbling. I caught him on many lies in a recorded line. Meanwhile he has yet to use a recorded line. It take time and a lot of effort. Therefore hurting me. He has zero comprehension nor education to understand what damage he has cause to me. 

He sent a on sentence letter to me saying he has concluded on the information that they are correct. He has sent the same information to the FTC. 

This is fraudulent. I have submitted to XXXX XXXX XXXXXXXX what I have paid and this person still tries to spin it in different ways and XXXX XXXX XXXX now want to charge me more than the norm. They are a fraud!!! 

In addition they are now asking me to pay even more money. They will create more harm with a close account with a closed account.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified several inaccuracies and instances of unauthorized information being reported. These errors have significantly impacted my life and financial well-being, damaging my credit health.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit file recently, I discovered old and outdated information had been added back to my credit profile after I already had it removed. This information being re added to my credit profile has caused my work background to come back flagged. This had not only held up employment for me, but it has also prevented me from being considered for an auto loan.
Product: Credit card or prepaid card

I was looking to purchase flight tickets for XXXX XXXX in XXXX, as i was browsing i came across from this offer from United ADVERTISED as a XXXX $ credit on the first statement if you are a first time cardholder. The tickets that i was looking to purchase were around 300 $ there was a button showing the value of the tickets - XXXX $ credit and saying APPLY NOW, so i did, i have filled the application and was approved instantly and was able to purchase the tickets. After the first statement, the credit was not applied and i have called CHASE, the card provider to see why the promotion wasn't honored and the answer that i have received was that i have " applied '' and received a different card, their standard card, which offers XXXX miles bonus after you spend XXXX  . I have tried to explain that at any time in my application it did not say that i am applying for their standard card and not the promotional offer. It is a total rip off and FALSE ADVERTISING. Apparently the offer was just advertised but as soon as you apply you get the standard card, i called numerous times and try to get to the bottom of the issue but nobody was able to give me a clear answer, i only got sympathetic tone and apologies. I feel like i was robbed and its very sad to see this happening here. SHAME on CHASE and UNITED.
Product: Checking or savings account

Fraud Claim filed with Bank of America on XX/XX/18 for debit card use from complete account takeover. My phone number was taken on XX/XX/18 and ported from XXXX XXXX XXXX to XXXX, then then used a debit card that they had taken from my mail after I had one reissued after attempts were made against it the previous week on XX/XX/18. My XXXX account was taken as well. I have been denied my claim by Bank of America twice because they keep saying that I approved the transactions when I have tried to explain that they were approving them because they had my number, they were also calling into the bank with my number and increasing the amounts/limits that could be used on my debit card. I have been a longstanding Bank of America customer and have never had a claim or a problem of any kind before this.
Product: Debt collection

I'm on XXXX for the past 10 years and have XXXX and XXXX they have been paying for my medical bills and I should not have to pay for this one
Product: Credit reporting or other personal consumer reports

I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 

Your agency is in violation!

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, credit repair services, or other personal consumer reports

I hired XXXX XXXX  to assist me with incorrect information showing on my credit report several years back which Portfolio or XXXX was never reporting anything, then all of a sudden they hit my credit report with incorrect information that sunk my credit score for years, Portfolio and XXXX started to report debt and re age old debt as if it just happened and it's over 5 years old. It is costing me jobs and higher insurance due to incorrect information being reported for years. I want all the following accounts removed immediately, they have violated my credit rights for years which is approximately $ XXXX in collection charge offs, on top of original company reporting on my credit so it looks like I owe 2 companies same debt and dates of reporting of last activity and open dates are different with all of the following companies. 
XXXX XXXX  XXXX  XXXX XXXX Portfolio Recovery multiple accounts XXXX multiple accounts
Product: Debt collection

Beginning XXXX XXXX, I was contacted by a credit company, XXXX in XXXX, Georgia and they stated I owed money for a membership for myself and my son at a gym in XXXX, GA. I contacted the gym in XXXX 2016 and requested my month to month membership be cancelled as I was moving out of the area. I was told that I would have to pay for one more month as they had a 30 day cancellation policy. I agreed to that and my son used the gym one more time in the last month of the membership. I am now being told that 1 year and six months later, my membership is still active but in collections and they want me to pay money today or they will report this to the credit bureaus. They also contacted my son and told him that his credit would be ruined if he did not pay this membership today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below I have listed a large number of inaccuracies on my consumer report. The credit reporting agencies have been notified by mail and by phone call. I should not have to debate nor argue over incorrect information listed on my report. I've asked XXXX, Transunion, and XXXX to provide proof any of the below inaccuracies are mine. Under 15 USC 1681a ( e ) investigative consumer report the reporting agencies should not list anything factual or about me as a consumer. In order to validate anything to place on my file it must first be verified by a neighbor, family member, or friend that knows of such knowledge. I gave none of the listed companies permission to use my social security account number to open, apply or inquire. I demand for all listed below to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late, I have talked to XXXX XXXX representative and told her that I made the payment but XXXX XXXX system DIDNT process the payment, it was not my fault, but Their fault. 
I talked to an individual at your company and they acknowledged the error and I was told it will NOT show on my credit report. I have paid my entire balance.
Product: Mortgage

IN XX/XX/XXXX, I SEND A CHECK # XXXX AMMOUNT OF {$1200.00} TO COVER THE PAYMENT FOR XX/XX/XXXX AND XX/XX/XXXX. CROSSCOUNTRY INSTEAD OF PUT THE PAYMENT WAS REQUEST VERY CLEAN ON MEMO OF THE CHECK. THE CROSSCOUNTRY PUT THE PAYMENT FOR MORTGAGE PRINCIPAL, CAUSING ALL THIS PROBLEM. 

I HAVE CALLED SEVERAL TIMES TO FIX THE PROBLEM AND SENT A COPY OF THE CHECKS, PAYMENTS. 

XXXX AND XX/XX/XXXX - PAID ON XX/XX/XXXX CHECK NUMBER XXXX ( AMOUNT OF {$1200.00} ) XXXX - PAID ON XX/XX/XXXX CHECK NUMBER XXXX ( AMOUNT OF {$640.00} ) XXXX - PAID ON XX/XX/XXXX CHECK NUMBER XXXX ( AMOUNT OF {$640.00} ) After several calls to Crosscountry Mortgage, I thought the problem was resolved until I received a validation of debt letter.
Product: Payday loan, title loan, or personal loan

I opened a auto title loan with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$3500.00} I paid {$390.00} on this loan monthly until XXXX! Paying over {$25000.00} for a {$3500.00} loan. As a XXXX XXXX military spouse we fell on hard times and my car was immediately repossessed after paying for several years. Even after the car was repossessed while my husband was XXXX XXXX we were hounded and harassed by this company to keep paying monthly on this loan even after repossession. It is now XXXX and this is still active on my credit report and does not appear to go away anytime soon. This company and their practices must be reviewed! This is a predatory loan with no way out, it is designed to keep the lender hostage for decades! I am begging CFPB to investigate and shut this company down!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Started off by sending my notice of my request for a listed number of documents for XXXX to mail to me on XX/XX/2019 I also sent out disputes to all 3 credit Bureaus This listed consisted of a number of documents I have a right to as a consumer. This list includes - 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note. 

On the XXXX of XXXX XXXX mailed me The Calculation of Surplus or Deficiency Letter, The Notice of sale document. They did not send me any additional documents related to insurance or Finance products, XXXX  XXXX  XXXX  ( XXXX XXXX ), The purchase order, Any License or bond or registration document required by the state that allows them to hold or service this alleged promissory note.The Creditor lied on the contract and stated that I placed a down payment of {$1500.00} ( I Attached proof of this fraudulent claim ) The Account Transaction that I received from XXXX Omits 5 Months worth of transaction history with no explanation of why. It shows a Balance and Past due Balance on all bureaus which is a violation but it also shows a balance that is more than {$12000.00} higher on XXXX  and a past due balance that is inconsistent with the other 2 bureaus, The dates of last activity are just as inconsistent, and so are the dates of last payments made, 2 of 3 credit bureaus report the wrong credit limit, A monthly payment also reports which is also a violation. In my initial contact with XXXX I told them this account was a Retail installment sale contract not an auto loan, they report to the bureaus that the account is indeed an auto loan but yet send me a contract stating that it is true indeed a Retail installment contract but yet it hasn't change on the bureaus or even report that the account is being disputed. This is affecting the way my credit is scored and is no way to report the truthful accurate complete data. Below I have Attached more than enough documents to convince you of this blunder on my credit report.
Product: Student loan

Requested from AidVantage to be on the XXXX plan on XXXX XXXX XXXX after a phone call with the company, submitting paystubs and other details. 

Received information from AidVantage on XXXX XXXX XXXX giving me a " new '' payment plan that was the same as my old plan, with no details as to why. 

Tried multiple phone calls to the company on Monday, XXXX XXXX XXXX without getting through to a real person. 

-first tried the original person I spoke with, using her extension. Got voice mail. 
-then tried three times to get through the main AidVantage phone line to speak to any representative, continually was put on hold, then sent to " voice mailbox XXXX '', which was reported full, and then was cut off from the phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Federal law 15 U.S. Code 1681s-2 ( 7 ) ( A ) ( i ) ( A ) Notice to consumer required ( i ) In general " If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. '' In XXXX of 2022 PROSPER MARKETPLACE acct XXXX furnished negative information onto my consumer report ( late payment ) with out providing notice in writing. 

If this person claims to have sent me in writing that it had intentions of furnishing said negative information please have them send me a copy of said letter and a wet signature of mines confirming receipt of the writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXXXXXX Balance : {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 submitted dispute to experian On 9 accounts. Was sent certified and delivered XX/XX/20. No results received. It's been more than 30 days. Emailed CEO and requested removal for failure to respond within 30 days and not adding " consumer disputes '' notice. Both violations. He in turns opens a dispute for each of these accounts after I sent the email disputing and asking for removal of these accounts. Yet they still remain. Legal action will be taken for violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4th ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.