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

I had opened two separate UTMA accounts for my daughters with Capital One 360. My first daughter 's account was set-up correctly as a UTMA account and converted to a regular savings account when she turned XXXX - we were sent emails prior to her turning XXXX stating her accounts would be converted from a XXXX account to a regular account on her birthday. For my XXXX daughter, they placed the UTMA acronym on the account name, but systemically had it listed as a regular savings account allowing my XXXX child to make withdrawals from the account without permission. When I attempted to correct the problem with a banking representative, I stated I was sold a UTMA account, and it appears I was given something else, and that I was simply requesting they correct the account set-up. I was informed by the customer service rep, that they do not sell or maintain UTMA accounts, but that they just create regular savings accounts and stick the UTMA designation in the account name as a nickname. I asked for escalation as that sounded like a deceptive sales practice, and I received a message response back that did not address my concern about the account set-up, but just to repeat that the account is a regular saving accounts which allows all owners to make withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Account number : XXXX, Last reported dates should be the same per bureau.This is an unverified account. There are also inconsistencies accross the line items for Date Opened, High Credit Amount, Credit Limit, Date Last Active, and Account Type-Detail. For example with regard to Last Reported Date I see that the Last Reported is showing XX/XX/2022 for TransUnion, XX/XX/2022 for XXXX, and XX/XX/2022 for XXXX. Additionally, the two year payment history doesn't overlap. This clearly goes against my FCRA rights. 
unverified account. 
XXXX XXXX : Account number : XXXX, Each bureau is showing a different Date last active, Last Reported Date, Date Opened, and Date of Last Payment. For example Date Last Active is showing XX/XX/2022 for Transunion XX/XX/2022 for XXXX XXXX/XXXXXXXX for XXXX. The two year payment history is a mess and non-consistent. This is an unverified account that I have previously disputed. I see this account is still not remove.
Product: Credit card or prepaid card

On  XXXX   XXXX ,  2017 , my credit application  ( Reference nu mber :  XXXX  ) was unreasonably delayed in violation of the following laws :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Debt collection

Wrong driver license number on file with west lake XXXX XXXX XXXX XXXX  Every time I submit inaccurate information and documents its always returned that the loan information is accurate which its not accurate information or correct information
Product: Debt collection

I have sent XXXX, XXXX, and Experian the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate info immediately XXXX XXXX XXXX XXXXXXXX. XX/XX/scrub>XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Someone hacked my account and sent money to themselves I filed a police report I filed a report with attorney general cashapp told me I couldnt get it back furthermore they owed me {$50.00} for a debit card that was metal that I ordered from them and I XXXX tried to activate the card it was not able to be activated so they made me pay {$10.00} for another debit card so cashapp in total owed me {$450.00} and I also want to charge them {$10000.00} for breach of trust in allowing my info to be accessed by 3rd party vendors they hired to not answer our calls or questions in regards to the fraud on the app.
Product: Student loan

XXXX/Navient did not apply additional payments towards the principal of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called transunion on XX/XX/XXXX to follow up on inquiries that I did not authorize on my credit report. Informed the supervisor that I submitted a police report back in XX/XX/XXXX and the supervisor informed me their was no report on file. The company signed for my dispute package ( sent priority mail ), processed my dispute, but have no documents attached to my file. By law, all documents submitted must be uploaded to the consumers file. This company is violating my rights under the fair credit reporting act and I still have fraudulent inquiries on my credit report. I was just released from jail after 2 years in XXXX so there is no way that Ive applied for credit in XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from BRIDGECREST, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BRIDGECREST and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and BRIDGECREST with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached letters detailing this blatant disregard for the FCRA that XXXX, XXXX, & Experian has shown. They have not shown any proof of verification for these accounts and its been over 60 days. Therefore, the following accounts listed on these letters should be removed immediately.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my most recent credit report, I noticed that several accounts I have no knowledge of have been added to my credit report. I have included my ID for verification purposes. Here are the accounts and amounts associated with this activity : XXXX XXXX XXXX {$1400.00} {$1400.00} XXXX XXXX XXXX {$2500.00} {$2400.00} {$2500.00} XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XXXX & XXXX Original creditor : XXXX XXXXXXXX XXXX {$380.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$61.00} XX/XX/XXXX XX/XX/XXXX XXXX
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I XXXX XXXX paid XXXX creditor Capital ONe NAre : Kohls department stores account ending XXXX reference # XXXX I paid {$560.00} the settlement amount they were going to delete this from my credit and this is still showing I paid back on XX/XX/XXXX and today XX/XX/XXXX still showing I deserve better credit consumer protection cheched mailed to XXXX FL XXXX check # XXXX today XX/XX/XXXX called spoke with XXXX for few minutes then she hanged the phone tried many times never answer the phone I re-tried asked to speak to a manager they hanged the phone XXXX more time. is this a true company XXXX credit capital one for kohls department stores inc a valid company they took my {$XXXX} in XX/XX/XXXX as consumer I deserve better consumer protection. XXXX XXXX XXXX married name divorced main name now XXXX I paid this account to delete records from my credit report.
Product: Student loan

On XX/XX/XXXX, I applied for a {$15000.00} XXXX XXXX XXXX XXXX, a student loan to be used to finance the New York State Bar Exam preparatory course and exam fees. The application and note both read as a master  student loan. The interest rate on this loan has increased each year and is now currently at 10.5 %. To date, I have already paid {$16000.00} on this {$15000.00} loan, and still have a principal balance due of {$13000.00}. 

In XX/XX/XXXX and again in XX/XX/XXXX, I reached out to student loan refinance companies to attempt to refinance this loan to lower the interest rate and monthly payments. Both attempts have been declined because this loan, which is currently serviced by Firstmark Services, is being inaccurately reported on my credit report as a personal loan and not a student loan. When I reached out to Firstmark about getting this corrected, as it is not only impacting my ability to refinance, but also my credit score per XXXX, they responded by saying the loan is " not reported as a student loan and is also listed like this in the promissory note and disclosure documents. '' After review of the promissory note, which clearly states it is a " Master  Student Loan Promissory Note '', I reached back out to Firstmark, who has yet to correct the issue on my credit, leading to another denial of my refinance application.
Product: Credit card or prepaid card

I opened a XXXX XXXX XXXX  credit card with Bank of America on XX/XX/2022, and bank of america made a decision to close this account on XX/XX/2022. I only used this card for XXXX weeks, and I was charged for the annual fee {$550.00} on XX/XX/2022. 

Spoke with multiple " managers '' at BOA, and none of those people are willing to solve the issue and provide the refund. Please note it is BOA that closes my account and is responsible for doing pro-rata cancellation. 

How is it possible that a bank approves my application, charges me {$550.00}, suddenly closes my account, and doesn't provide any refund? 

That is called Robbery. Otherwise all banks can just learn from Bank of America, get credit card applications approved, charge the full annual fees and then close the accounts. This is the easier way to make money, isn't it?
Product: Credit reporting or other personal consumer reports

I paid off both of my credit cards before I headed on a trip around XX/XX/year>, so that I can use them on the trip. The payments went through and they updated my balance. I used the credit cards the whole trip which was about a week with no problem. When I got back from my trip I went to check my balance so that I know how much I would need to pay, there was still nothing wrong with my account. A couple days later I went to order something from XXXX, which wasnt a big purchase. My credit card had declined, which was odd since I still had a disposable balance the last time I checked. I logged into my Capital One account to be met with both of my accounts closed. I was completely in shock as to why. Ive always kept up with payments never late. So I call their customer service to see what the problem was. The lady on the phone said my account had been flagged for fraud. Im now extremely scared because I dont know who got access to my account. As she kept explaining, she said that they reverted a payment that I made on XXXX of my cards for what every reason they decided. Without updating me on that decision, while continuing to let me use the card while I was on my trip. Ive now had my credit score drop a couple XXXX points due to this and have struggled to get back on my feet now that I have no credit cards. Also credit wise I havent been able to get out of this involuntary slump I was put i.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my personal credit report, I have found inconsistent data on my report and would like to resolve these issues for the following accounts : XXXX XXXX # XXXX Delete this account for inaccuracies : Date of charge offs on reports have inconsistent dates. XXXX reports no charge off XX/XX/XXXX, Experian reports charge off for XX/XX/XXXX, XXXX reports no charge off for XX/XX/XXXX Account Type is inaccurate.XXXX reports Installment Account, Experian reports XXXX XXXX, XXXX reports Installment XXXX  # XXXX Delete this account for inaccuracy because Date of Late Payment reports inconsistent dates. XXXX reports late on XX/XX/XXXX, Experian reports late on XX/XX/XXXX, XXXX reports late on XX/XX/XXXX XXXX XXXX # XXXX Delete this account for inaccuracy because Date of Last Payment reports inconsistent dates. XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, XXXX reports XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing this account. I've contacted the bank, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite repeatedly submitting my claim to Experian for years now, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. It appears Experian is failing to fulfill its legal obligation to process the identity theft report even though the bank already removed the account from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I settled my debt with Portfolio Recovery Associates, LLC on  XX/XX/XXXX and found out in XX/XX/XXXX that they falsely reported my debt unpaid to the credit bureau. 

I settled my debt with PRA through a third party settlement company on XX/XX/XXXX and found out in XX/XX/XXXX, while applying for a Mortgage, that PRA had falsely reported my debt unpaid to the credit bureau. When calling PRA, they lied to me and claimed that while they had recieved a settlement proposal, they never accepted that proposal. They continued to tell me that I still owed {$1300.00}, and then offered me a {$750.00} settlement as if they were doing me a favor. I called my settlement company shortly thereafter and they immediately furnished me with proof of correspondence, which proved the settlement had been accepted. PRA literally had multiple staff and management members LIE to me to try to get more money out of me. What they did is blatantly illegal, and if I had the means and the time, I would pursue legal action. These derogatory marks on my credit report have affected my ability to secure a mortgage and will affect my interests rates for years to come, indirectly causing me thousands of dollars in financial loss.
Product: Debt collection

I contacted them several times via email, requesting documentation and they never provided. They just keep endlessly saying they are investigating I disputed with the credit companies but they denied it several times.
Product: Debt collection

I have reviewd my credit report from XXXX and XXXX and the collection XXXX XXXX XXXX has been deleted upon the investigation account was verified not vaild. I have attached copy of my credit report from XXXX and XXXX. 


Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Product: Money transfer, virtual currency, or money service

i started to use coinbase from 4 months and everything was fine untill one day i deposited XXXX $ and the deposit was complete after that i tried to buy some cryptocurrency from then and they asked me to verify my account and the verfication included home address, name, SSN, and job title. after providing all the informtion needed i was told that they can not locate my Id then i send them a copy of my documents SSN and bank statment and driving license they replied that they can not solve it manually and they are using a third party and to keep trying untill i solve that quiz.I have been trying to solve it for a month now with no result.now i need to get my money back which is XXXX $ as i used XXXX $ for purchasing some cryptocurrency before having this problem.now it looks like they can not help me by anyway so i am asking for your help. 

thank you in advance
Product: Credit reporting or other personal consumer reports

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report. 

Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late Payment : 3. Late Payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Thank you for your attention to this issue. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. This creator Synchrony Bank has violated my rights under 15 usc1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer reporting agent can not furnish a account without my written instructions under 15 usc166b a creditor can not treat a payment on a credit card account under a open and consumer plan act. As late for any purpose can you help wit that
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that have been open/closed repeatedly on my report from XXXX XXXX, there has never been a lapse in account that I have had with them. 

There is a XXXX account that has been opened up fraudulently in my name. I have sent in a dispute through XXXX XXXX and they have refused to acknowledge the frauds behind it. Below are the dates for the accounts mentioned above. 

XXXX Department Store : XX/XX/XXXX This account above was the one that was opened fraudulently. 




XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX The account above is still open but it has been placed on my credit report three times.
Product: Mortgage

Ever since NationStar Mortgage acquired my loan amongst a bundle of mortgages that XXXX XXXX XXXX divested themselves of, they have done everything they could to cheat me by trying to wrestle my loan terms from me. They 've alleged that I did n't have home insurance when they knew I had. They have had a company they do business with break into my home ( XXXX XXXX XXXX ) under the excuse they did n't realize I was living there. What business does this when all along I 've been paying my mortgage by the allowed grace period each month since I bought the home in 2002! I 've had to send my payments by certified mail because along time as tried to change my terms they no longer allowed me to pay my mortgage through their pay by phone system. They 've never to this day replaced my door or restored the glass that they broke by breaking in when I was n't home. I came home one day last year to discover my front door 's lock was changed. Items were missing from my home. They 've accepted payment of taxes by the town without crediting me as they 've always been paid by me! NationStar Mortgage has been doing a disservice to me and been unjust as they attempt to discredit me by trying to elicit all kinds of fees from me through their corrupt operation!! Please help me by restoring my loan to its original terms & cleaning up whatever damage they 've done to discredit my good credit. Much appreciation for your help, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ma XXXX Loan # XXXX
Product: Mortgage

In XX/XX/XXXX I filed a chapter XXXX bankruptcy. My mortgage is through Citimortgage Inc. and the bankruptcy was complete as of XXXX/XXXX/XXXX. I was advised that I was to start making payments on my mortgage again as of XXXX/XXXX/XXXX. The trustee and the mortgage company had signed off that I was paid in full through the trustee through XXXX/XXXX/XXXX. Since then, they have constantly insisted that I was a month behind in payment and the trustee brought them to a hearing that they did n't even attempt to show up for and the judge signed a court order that the bankruptcy was paid and current through XXXX/XXXX/XXXX and we had bank statements proving that we were paid current. They will not acknowledge the court order. They keep insisting they never received it as well as any other documents proving that we are current. They keep harassing whenever we make a payment and when we try to bring forth the court order they just absolutely refuse to admit they are wrong. We ask them to show us where we are behind and they refuse to do so. Now they are saying we are two payments behind and we have proof that it is not so. All supporting documents will be attached,