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

I have asked the XXXX, Experian and XXXX to reinvestigate this account being reported to them and ensure that accurate and fair reporting will be done, but my request was not granted, hence I am asking for your agency 's help. 

There are inaccuracies the way this account was reported to the bureaus. Let me tell you why : XXXX : The limit, past due amount, and balance were not reported, Also, the payment history shows multiple CO marks which are erroneous. 

Experian : Monthly payment and limit are missing from the report, and payment history shows multiple CO marks which are inaccurate. 

XXXX : Terms, high balance, limit, past due amount and payment history are missing. 

Clearly, this account was not properly investigated and reported. If the report came from XXXX XXXX, then why it is that each of them reports this account differently? Are they not suppose to have the same information as they all gathered it from 1 creditor?
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I contacted Capitol One National bank and spoke with a Senior Account Manager, XXXX ID # XXXX. 

I shared with XXXX XXXX that in XX/XX/XXXX capital One gave me a line of credit worth {$3000.00}. Oh I informed her that national banks did not have the power to lend their own credit. That my credit was extended to me. Capital one representative stated that capital one gave me a loan of credit. Which makes no sense considering the definition of credit pursue it title 15 USC 1602F. But I went along with her and said OK if it was a loan where did capital One get the credit too long to me? She stated that the line was credit was given on behalf of capital one that the line of credit was not in tangible cash but it was supposed to be US dollars. 
I informed the Capital One representative that banks were committing fraud by creating checkbook money and intimidating consumers into paying them back in US dollars. I shared that along with other information in regards to the fraud that capital One has been committing. I ended the conversation telling the representative that I would like my balance to be zeroed out. She shared that she could not do that and advised me to send a letter to headquarters in XXXX Virginia. She stated that there was no one above her that I could speak with in regards to this issue and that she would know my account. Which means nothing. When I asked her what she would put on the count she stated she would put that guy did not want to pay the balance. Which is not true, I am willing to pay if capital One can prove that they gave me something. Capital one representative have shared that they gave a line of credit. We know that banks can not extend their own credit therefore my credit was given to me. Before capital One to request that I pay them back something that was mine is fraud in bad business. 


Ref # : XXXX Also, All conversations that I have with Capital One representatives are recorded and I have recordings in my possession. Recordings contain Capital one representatives agreeing to the fraud taking place on behalf of capital one.
Product: Debt collection

I disputed account and asked for proof to show account was written off or 1099c So client can file on income taxes.They did not respond or show proof debt was written off. 

XX/XX/year> I called company on behalf of client to request proof debt was written off and copy of 1099c. I was told my XXXX XXXX " No ''. My client would not be able to get proof account was written off.
Product: Mortgage

Complete application : necessary documents and " complete '' status are determined by servicer. California Civil Codes 2923.6 ( h ) ; 2924.10 ( b ). 
While no dual tracking protection is due an incomplete borrower submitted RMA application package by Bank of America, there are dual tracking protection due a complete borrower submitted RMA application package. 
Bank of America has represented no complete RMA application package has been received by the borrower and that the borrower has ignored and failed to comply with Bank of America representatives requests for needed or required application documents to enable a loss mitigation review since XX/XX/2012. This is a material misrepresentation known to be false at the time the statement was made and supplied to the borrower. 
According to the Bank of America borrowers Home Loan Modification Status iportal, the My Documents tab page of XX/XX/2012, all documents that make up the RMA application package were received. Additionally, Bank of America has since caused the destruction of these documents and their corresponding entry to the Bank of America borrowers Home Loan Modification Status iportal. 
Any Bank of America representative who has been assigned as the SPOC, charged with the duties and responsibilities of conducting an independent and complete review of the account records, for whatever reason, should have known a complete RMA application package was received on and before XX/XX/2012 and this ( receipt of the complete RMA application package ) prompted the initial review of XX/XX/2012 that lead to the incorrect MHA HAMP denial of XX/XX/2012.
Product: Credit reporting or other personal consumer reports

Issue # XXXX : In XX/XX/year>, I called XXXX to inform them I was having difficulty making my credit card payments for Acct ending in # XXXX and Acct ending in # XXXX, due to an unforeseen family crisis. We reached an agreement and on XX/XX/year> I received two Confirmation Repayment Plan letters from XXXX for both accounts which stated a monthly payment of {$110.00} for Acct # XXXX and {$130.00} for Acct # XXXX. I paid the following amounts on time per our agreement : XXXX Ending in XXXX XX/XX/year> {$110.00} Reference Number : XXXX XX/XX/year> {$110.00} Reference Number : XXXX XX/XX/year> {$110.00} Reference Number : XXXX XXXX Ending in XXXX XX/XX/year> {$130.00} Reference Number : XXXX XX/XX/year> {$130.00} Reference Number : XXXX XX/XX/year> {$130.00} Reference Number : XXXX XXXX is now telling me that even though they verified via phone I made my payments on time, they have the discretion to fraudulently report to the credit bureaus that my payments were late due to the payment agreement I accepted. I honored my part but they refuse to honor theirs and this has caused me issues on my credit report. 

Issue # XXXX : XXXX does not allow customers to set up RECURRING monthly payments via phone OR online. XXXX 's online UI " Set Up a Recurring Payment '' section first automatically FORCES a customer to make a monthly payment FIRST by enabling the 'Make a Payment ' option and inserting today 's date or another date through the end of the current month with NO way to deselect that option to not make a Payment. Then when you navigate to the 'Set up a XXXX XXXX ' Option below, the dropdown only allows you to select " the XXXX of the month, the XXXX of the month, the XXXX of the month etc. vs. a specific date the recurring monthly payments should start on. What this does is allow XXXX to collect DOUBLE payments for the current month, and if you do not want to make a double payment you can not set up a recurring monthly payment. This happened to me with both cards above over the summer of 2023 and I was not able to get groceries for the children for XXXX week because I had not agreed to make a double payment for both cards and when I called XXXX then they said there is nothing they could do. Nearly 1 year later the problem still exists, causing financial distress for their customers. Lastly, if you can't set up recurring monthly payments XXXX will be happy to collect late fees.
Product: Mortgage

BSI Financial Services XXXX and XX/XX/2020 mortgage payments were made on time via phone payment. 
Payments were confirmed. 
They admitted that the computer system failed to apply payments correctly and would remove all negative reporting. 
Several months of emails and correspondences, the false derogatory marks have not been removed from my credit report. 
I am still in contact with them and waiting for them to make all corrections.
Product: Debt collection

Update on XX/XX/2023 with XXXX XXXX  XXXX XXXX. They sent a dismissal of a garnishment with XXXX XXXX bank without the required judges signature through US mail and fax. XXXX  XXXX bank will not remove the garnishment for this reason. 

XXXX XXXX XXXX XXXX is retaliating against me and delaying access to my bank account funds. XXXX XXXX XXXX XXXX also told a court in XXXX, Virginia that I was provided notice of the debt and hearing, when I was not. This violates my constitutional due process rights.
Product: Credit reporting or other personal consumer reports

According to my consumer reports ( XXXX, XXXX and XXXX ) this financial institution has furnished an account without disclosing opt out information to me. I have recently read the GRAMM-LEACH-BLILEY ACT XXXXnder the Federal Trade Commission and they are failing to comply with the law. The GRAMM-LEACH-BLILEY ACT requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The law covers a broad range of financial institutions, including many companies not traditionally considered to be financial institutions because they engage in certain " financial activities. '' Financial institutions must notify their customers about their information-sharing practices and tell consumers of their right to " opt-out '' if they don't want their information shared with certain nonaffiliated third parties. In addition, any entity that receives consumer financial information from a financial institution may be restricted in its reuse and redisclosure of that information. This financial institution has failed to disclose this information to me and knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. This financial institution knowingly, and willfully withheld information that explains how I the consumer can exercise that nondisclosure option. This is a violation of the GRAMM-LEACH_BLILEY ACT and they should be held accountable for intentionally not giving customers the right to opt out of their disclosures..
Product: Mortgage

XXXX storm hit our home XXXX XXXX  We had damage to our roof, shed, XXXX windows, and our XXXX unit. XXXX is our home insurance only gave us {$15000.00}. We sent check to Veterans United Mortgage they held most of check. We were issued a check in the amount of {$3700.00} on XXXX XXXX XXXX We called Veterans United several times asking for more money since that amount wasnt enough to purchase materials. We were advised by Veterans United to start work and submit proof of work in progress. We did so. Our contractor started the work by removing shingles and putting roofer water proof material. We have had several heavy rains and a tornado throughout this time. Supposedly a second check was issued to us in the amount of {$5300.00} on XXXX  we still have to received it. Our house and most of our items inside are damaged. Roof is still leaking from all rooms and most of our house it caved in. 
Veteran United was our mortgage company then loan got bought out by XXXX Mortgage on XX/XX/XXXX XXXX XXXX XXXX has had XXXX inspectors come out to our home. XXXX days ago XXXX issued another check directly into our account of about {$14000.00}. XXXX came out to our house and said 80-90 % of our home was damaged.
Product: Vehicle loan or lease

I signed a 36 month lease agreement on XX/XX/XXXX for a new XXXX XXXX XXXX. Near the end of that lease, XX/XX/XXXX, I decided to purchase the vehicle. I followed the instructions as outlined for lease-end purchase on the XXXX XXXX XXXX XXXX XXXX I mailed a personal check for the buyout amount indicated and enclosed a requested odometer reading form with the check. I had not heard anything from them for a couple of weeks, so I called and spoke to someone through their call center. I was informed they had never received the odometer reading form and they could do nothing further until such time that they received it. As I stated above, I had already mailed in a completed paper odometer reading form included with my check on XX/XX/XXXX... ..they cashed the check, so I know they received the form even though they claimed they had not. I completed and uploaded another odometer reading form through their website and sent it in. They assured me it would only take a week to ten days for the check to clear the bank and the paperwork to be completed by their title department. Weeks went by and I heard nothing from them. In the meantime, I received an Illinois tax form for the purchase of the car. I signed it and sent it back. I also faxed the same form to them. Another call to XXXX, and I was assured that all necessary forms and signatures had been received and the title would be released and mailed to me within a week. That was nearly two weeks ago and still nothing. It has been 57 days since I began this process and still no title. I want to sell this car and I am unable to do so as long as they continue to hold the title. I will attach a letter from XXXX acknowledging the date and amount of the purchase. I researched the Web to see if there were other customer complaints about XXXX and I found numerous accounts which read as if I had written them myself. Exact same complaints. Necessitating filing with the XXXX and CFPB in order to secure their titles. Their buyout process is unnecessarily burdensome and protracted. Any other vehicle I have paid off through a lending agency like a bank has provided me with the title within two weeks. I feel helpless. Repeated calls to an offshore call center has gotten me nowhere. There is no phone number listed for their title department. Please help me get my title!!! 


Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXX, CA XXXX Customer Service Dept XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XXXX XXXX, 2015, I received my free updated " XXXX '' credit report. 
After reviewing it for accuracy, I noticed a " negative credit entry '' remark that I owe " XXXX '' approximately $ XXXX since " XXXX 2015. " I 've had " XXXX XXXX XXXX '' for the last 18 years. I 've never had " XXXX. " So I called up this " debt collector '' named " Diversified Consultants '' at XXXX as listed on my " XXXX '' credit report. 
All they said was " Pay if off, and then we 'll take it off your credit report. " I told them it was n't my debt, that I 'm a victim of " Identity Theft. " They just then " hung up '' on me!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian is violating FCRA. I have tried several times to resolve this issue to no avail. Yesterday again I spoke with a rep who said a supervisor would come on the line to speak with me and I waited over an hour on hold and no one picked up. This after other times being told a supervisor would call me back and they never did. They claim they verified a public record ( bankruptcy ) ( which should not be on my report ) with the " creditor '' I explained to the rep this was not a creditor, but a court. She corrected herself and said, " oh yes the court '' Clearly, did not know what she was even talking about. They are just spewing lies to consumers. They could not have verified ANYTHING because the US Bankruptcy court does not give ANY information to third parties by phone or mail. At this time my XXXX XXXX reports are ALL FROZEN and locked. So how did they verify this? 
The clearly DID NOT. They are lying and committing a violation of FCRA. This company handles requests like this very poorly and should be sanctioned for this behavior. Lying to consumers and stating they verified information they could not verify. Further, on my previous attempt to resolve this via certified mail I sent a copy of the letter from the court stating they DO NOT give out information and also a copy of the XXXX XXXX freeze letter. This is nonsense.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting 15 U.S. Code 1681c ( a ) ( 5 ) - Requirements relating to information contained in consumer reports 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Hello I'm submitting this complaint because I've tried to resolved this with Equifax but was unsuccessful. I am a surviver of human trafficking.
Product: Student loan

I was in XXXX XXXX XXXX at XXXXXXXXXXXX XXXX. I was struggling a lot I told the XXXX  I had a XXXX XXXX XXXX XXXX and I needed extra time to complete the assignments. They failed to allow me any extra time or help me in any way. As a XXXX   with XXXX XXXX  I still tried to do it the best I could until I was so far behind I just gave up. Due to the XXXX  neglect I feel that I should not have to repay the loans. I never got and money in my pocket and the XXXX  kept all the money and didn't provide help.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 at approx. XXXX XXXX  I received a text from a supposing Bank of America representative asking me if I attempted a {$3500.00} XXXX XXXX XXXX? 
Reply YES or No # XXXX. I replied no and then received a call back from a supposingly B of A rep who then explained to me that my account was compromised and that we will need to transfer the money through XXXX to another account to keep the money from being transfered. He instructed me on how to make the transfer to ( XXXX ) XXXX and that B of A would then credit back your account later i the afternoon and that a B of A rep would call me back and let me know that the money was safely back in your checking and savings accounts. A total of {$1900.00} was transfered from my checking account and {$300.00} from my savings account. I called B of A at approx.XXXX XXXX  to tell them that I think I was scammed, they took a report and said that they will send me an email on the results of there investigation. I filed a report to the XXXX XXXX XXXX XXXX and also with the XXXX, FL police dept since the money was transferred to a phone number in that area. I received a letter from B of A on XX/XX/XXXX saying that they were unable to approve my claim.I
Product: Credit card or prepaid card

I have an XXXX MasterCard. I pay an annual fee and in return do not get charged a surcharge on overseas transactions. When using the card in XXXX, the XXXX bank offers the merchant a choice of charging me in Euros or in Dollars. The rate of exchange the XXXX bank uses to calculate the Dollar amount is, of course, a rip off. I have tried to get merchants not to choose the Dollar option. But they don't always understand, and in a restaurant, I am not standing next to the waiter as they process the transaction.

I am sure this practice must be costing cardholders millions. It should be stopped. And of course, I should be compensated for the losses I have suffered.

I am attaching a statement. Most recent charges are in Euros. But there area few XXXX  charges in Dollars. This is where they are ripping people off.