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

In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last few months I have disputed this account with the credit bureaus. Each time the credit bureaus come back and tell me this debt has been verified. This company is inaccurately reporting to the credit bureaus each month. This company is negligently and willfully violated the Fair Credit Reporting Act. Bridgecrest negligently and willfully failed to ( 1 ) conduct a proper investigation of my dispute, ( 2 ) review the information provided by the credit reporting agencies, and ( 3 ) direct the credit reporting agencies to report accurate reporting. I am asking this company to provide me a complete history of this account in its entirely and Bridgecrest can not supply that and report accurate information to the credit bureaus they need to remove this from my credit report. Negligence will be brought into a lawsuit against this company for violations of the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did n't properly secure my sensitive information. It became vulnerable to a data breach and I was impacted.
Product: Credit card

To whom it may concern, I opened my 4th account with Capital One on XX/XX/XXXX. Specifically, I opened a Venture travel card as they are running a promotion where you get XXXX bonus miles when you spend $ XXXX in 90 days from opening the account. However, what I found was that unlike my other 3 capital one accounts which let you immediately use the card in virtual form when you open the account this Venture card suddenly " does not qualify ''. In other words, the only card with a time sensitive benefit attached they choose to not allow you to use right away. Also, all 3 of my other cards came incredibly quickly while this one opened on the XXXX I am not expecting to receive until the XXXX ( as per their app ). It would seem that the company is going out of their way to ensure a reduced amount of time to use the card and earn the bonus miles. 

I requested that they approve the virtual card for the account like my other 3, they said they didn't have any control over it. I requested they extend the date by which I had to spend the $ XXXX for the bonus to begin once the card was received, again they could not. I then requested any form of email confirmation of the conversation and documentation of the issue and was told they are unable to do this as well. 

The issue just seems to be the discrepancy when it comes to the single time sensitive card and I am willing to be that this happens to basically everyone else as well.
Product: Mortgage

Mortgage servicing company is trying to trick me out to assess NSF fee inspite of receving the mortgage payment for the month. There were XXXX mortgage payments made in the month of XXXX 2015 my mistake in e-bill payment. Mortage company was notified about issue immediately about it. Customer service rep at Mortgage company informed me that XXXX payment will not be cleared and not to worry. But after a week Mortgage company sent me letter with NSF fee. I have contacted that mortgage payment was already paid for the Month of XXXX 2015 asked to remove the NSF fee. But Mortgage company is is not removing the NSF fee. I would like CFPB to help me in removing NSF fee and alert consumers of the unfair trade practice of the Mortgage Servicer.
Product: Credit reporting or other personal consumer reports

Account was disputed and kept coming back verified. The account is. Reporting inaccurate information according to the FCRA 15 us 1681 e b all information reporting to someone's credit report must be accurate or shall be removed immediately Account XXXX XXXX Account open has different dates Acccount last open has different dates
Product: Credit card or prepaid card

unlawfully denying my credit card application for false non-decisive factors
Product: Debt collection

XXXX. XXXX XXXX XXXX, XXXX XX/XX/2023 XXXX The Company sends me letters and phone calls. I dispute it. XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 Balance XXXX company is sueing me. I am disputing. XXXX XXXX XXXX member services XX/XX/2023 Balance XXXX Company sends letters and phone calls. I am disputingXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX The company sent me letters and phone calls. I am disputing. XXXX. XXXX XXXX XXXX, XXXX XX/XX/2023 Balance XXXX The company sent me letters and phone calls. I am disputing. XXXX. XXXX XXXX XXXX XX/XX/2023 Balance XXXX The Company Sent me letters and phone calls. I am Disputing. XXXX XXXX XX/XX/2023 Balance XXXX Company Send letters and phone calls. I am disputing.
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, XXXX, XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me and I seek resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid the debt with the original credit with XXXX/XXXX   service. I paid in full and I reported this to the credit reporting companies. I am unable to provide to my family a home to live due to this continue reporting on my credit. I have ask several times and never the issue is been resolved. XXXX does not comply with my requests and is hurting my family and my personal credit at this point. I am requesting once again to please remove this collection that is paid off.
Product: Credit reporting or other personal consumer reports

in accordance of Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S.C. 1681
Product: Credit card or prepaid card

I have a problem with my American Express XXXX XXXX XXXX card and i am hoping someone can help me. i was supposed to get XXXX points after spending {$3000.00} in 3 months which i did fairly quickly. In fact, this offer is still on your web page ( screenshot attached ) : https : //online.americanexpress.comXXXX XXXX XXXX XXXX XXXX XXXX  Later, we noticed that the XXXX points had not been allocated even though we had spent the money. We called and they promised to open a case and call us back in two weeks. When no one called, back. we called again and found that there was no case registered. We then spoke to your rep XXXX ( ID # : XXXX ) who opened another case ( XXXX  ) and has again promised a call-back.

Finally, we contacted the CEO 's office and they told us that we would not get the card because we had had the card earlier, which was apparently in some fine print that we were supposed to read.

However, our problem is that we are lay people expected to read many layers of fine print but American Express, with its army of lawyers, appears to have committed fraud by loudly proclaiming the XXXX   points without being equally loud in stating the exceptions. Also, when we are expected to read an unfamiliar contract, why would they not even know that my application would not qualify, right at the beginning? Also, why would not tell me when they at least gave the card? Or when i made the initial requests until it got to the CEO? Clearly, the intent to commit a bait and switch fraud and hope i would just give up.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act FCRA credit reporting agencies are required to accurately report credit information and be in compliance with E_Oscar platform protocol. All three major credit agencies ( XXXX, Experian, and XXXX ) have reported inaccurate information on the accounts listed below : These inaccurate accounts must be deleted to be in compliance with the FCRA Account 1 : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account 2 : US DEPT ED XXXX XX/XX/XXXX {$6700.00} Account 3 : DPT ED/XXXX XXXX XX/XX/XXXX {$0.00} Account 4 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 5 : US DEPT ED XXXX XX/XX/XXXX {$3100.00} Account 6 : US DEPT ED XXXX XX/XX/XXXX {$5600.00} Account 7 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 8 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 9 : US DEPT ED XXXX XX/XX/XXXX {$3000.00} Account 10 : US DEPT ED XXXX XX/XX/XXXX {$1900.00} Account 11 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 12 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 13 : US DEPT ED XXXX XX/XX/XXXX {$6700.00} Account 14 : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account 15 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 16 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 17 : US DEPT ED XXXX XX/XX/XXXX {$11000.00} Account 18 : US DEPT ED XXXX XX/XX/XXXX {$6400.00} Account 19 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 20 : DPT ED/NAVI XXXX XX/XX/XXXX {$0.00} Account 21 : XXXX XXXXXXXX XXXX XX/XX/XXXX {$84.00} Account 22 : XXXX XXXX  XXXX XX/XX/XXXX {$820.00} There are items such as various date opened, last reported, date last active, and date of last payment that is incorrect and inconsistent for the same accounts across all 3 credit bureaus. All of these accounts must be deleted from my credit report because it violates the FCRA and is not in compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that I did'nt pay and was marked late because this clearly a billing error. 

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ).

Damaging my character and Ive tried numerous of times to get the matters escalated and resolved with them directly.

Im depressed and XXXX after dealing with inaccurate information on my credit reports. This is defamation of my character and detrimental to my health. Transactions known as late payments are illegal and are to be excluded from a consumer credit report. This inaccurate late payment ( s ) violate the Fair Credit Reporting Act and I demand you to remove it from my credit report. 
Your corporations have caused me to be judged and lose out on opportunities which created actual damages to my life. I demand you to correct this to paid as agreed or risk being under litigation in federal court
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent for my credit repot & saw ir was low, so contacted XXXX, got the report and from there XXXX file # XXXX & 547 days later, the negative is NOT ME as I reported Identity/cyber theft how/why isn't it fixed after 547 days??? 
I called XXXX on Wednesday, XX/XX/2018 inquiring to the status and the lady filed yet another ( 4th ) dispute??? I followed every direction and I thought it would be corrected by now?!

I put fraud alerts on/with XXXX yet places i.e. XXXX XXXX still using my name? They l XXXX it seems did not provide other credit agencies that I am victim of cyber/identity theft so my credit is so low for my paying everything like a responsible person and no-one contacted me to ask if it is me taking out school loans when I paid mine off earning XXXX XXXX XXXX and paying it ...! 
My HELOC is now over {$100000.00} and I did not use any $ $ yet XXXX put fraud alert and money was directly being withdrawn as agent there should be {$1000.00} in that account insttera I owe all of that and got a phone call saying I can eaxgtend my HELOC although XXXX said it was closed but could not tell me why over seven ( 7 ) years ago????? What is going on because XXXX 's just giving me the run-around and I want my {$10000.00}!!!
Product: Checking or savings account

This most recent XXXX, I was out of state and lost my phone which then got STOLEN. I didnt think much of it at the time because I was attending a family funeral. I still had my physical debit card so I continued using as normal. We eventually tracked my phone down to under a bush and I saw my bank was emptied into crypto currency. I contacted bank of America on Monday, XX/XX/XXXX and they opened a claim, i checked today and it said the claim was closed. I called customer support and they stated that I accepted pop up security alerts on my phone. How would I do that with a lost phone? Clearly whoever had my phone did it to continually make transactions. Luckily the reopened my case but I am not having to move out, late on bills and {$0.00} in my account! I would like my money back that was stolen from me!!! I trusted them as a company with my hard earned money.
Product: Mortgage

Hello Green Tree Servicing did not provide correct information regarding the sale of my house and is listed on my credit as a short sale and am requestion that get removed.They broke the law by mishandling the rewuest for short sale and never told me it would fall indure the short sale
Product: Student loan

Navient sent my student loan to collections. I came to a settlement agreement with the collections agency and paid the amount before the required date. Navient has still not removed the balance from my credit report. In addition, they sent the the loan to a new collections agency, even though the entire amount has been settled. Attached I have a copy of the settlement letter from the original collections agency, proof of payment and a copy of the letter from the new collections agency asking for amount that has already been settled.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX MA XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXXXXXX ( Incident Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I see that XXXX, XXXX, and Experian are reporting XXXX XXXX XXXX XXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or written consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-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 ''. XXXX, Experian, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

I am writing you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made or accounts I have opened. It is the result of identity theft. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX I am victim of identity theft and have included my FTC report. Please remove the account from my credit report The account was previously deleted and than reinserted back on my credit report without proper documentation or method of verification on how this account was proven to be open by me.
Product: Bank account or service

XXXX XXXX, 2016 : I received a call from a collection agency this week for an outstanding debt of approximately {$55.00} in relation to US Bank. I am no longer a client of US Bank and closed my account with US Bank in XXXX 2016. I eventually called the recovery department for US bank to find out the origin of the charge. They could n't specify what the charge was for and told me to call the branch where I closed my account. When I called the branch they told me I had a pending transaction at the time I closed my account for approximately {$25.00}. When this charge went through, my account was reopened and hit with another {$30.00} fee for an overdraw. US Bank failed to contact me about any of the aforementioned events and failed to notify me ( written or verbal ) about the charges I allegedly owed. I received the run-around for three hours on the phone trying to find out how to dispute the charge and/or resolve the issue, but I was n't able to make progress. I believe the situation is solely a product of US Bank 's incompetence to XXXX the pending transaction at the time I closed my account and their inability to contact me before sending the claim to a debt collection agency.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditors ( Upstart Network Inc, XXXX XXXX and XXXX XXXX  XXXX ) have violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 1581 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am demanding that these accounts be updated to Paid as Agreed and Never Late XXXX.
Product: Credit card

My Synchrony Care Credit payment was due XX/XX/year>. I paid {$270.00} online from my XXXX XXXX checking account ending in XXXX ( which was one of three payment methods I had input into my account years ago ). I had made payments from this same account in XXXXXXXX XXXX XXXX without issue. I received dunning emails, texts, and calls that my payment was overdue on XX/XX/year>. I messaged the chat and support help but got no answer. I phoned the support center XXXX number on the evening of XX/XX/year>, and the representative said that I had initiated the payment from an old closed XXXX XXXX account. This account was closed BY XXXX XXXX two years ago because when my phone was XXXX XXXX, the hackers got into my account, so they issued an entirely new account for me. I hadn't made payments from that account in over two years. She rudely implied that this issue was due to " operator error, '' and I asked this matter to be escalated and to speak with a supervisor. She would not let me speak with a supervisor, but instead held me hostage on hold for over an hour while she spoke with the supervisor. She relayed that the supervisor acknowledged that this was a " glitch '' error on their part, and they would give me a letter in writing stating this was not my fault, they would rescind the late fee, and they would notify the credit bureaus that I was not late. I then made another payment from the same account, as she ASSURED me that it would be fixed. Today, again, I got harassing messages that my account was overdue and to make a payment immediately. I called the XXXX XXXX  number again and was put on hold for almost two hours with no solution. I had to end the call because I could not hold any longer.
Product: Checking or savings account

My husband, XXXX XXXX ( verified user on my account ) usually gets his check deposited to my account on every XXXX  XXXX XXXX. It is now XXXX on XX/XX/year> and Capital One has failed to deposit my husbands ' settlement/direct deposit from his employer. Capital One has expressed technical issues with a third party vendor, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about the consumer protection laws, and I request your assistance in investigating this matter to ensure our rights are upheld. Thank you for your attention in this matter.