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

Original Complaint XX/XX/XXXX XXXX I purchased a car from XXXX XXXX XXXX XXXX XX/XX/XXXX. The loan was financed through Auto Advantage Finance. I have contacted the financing company several times over the phone. I have been to their private customer service center in person and spoke face to face with account mgmt supervisor. I have followed their instructions for reporting issues and getting resolution by making a complaint online with their customer service department. They continue to tell me to contact XXXX and XXXX to make a dispute. I have done that as well and they told me that there is nothing that can be done about disputing an account that they have not received from the financing company. It has been 10 months and I have not been able to get any resolution. 


Company 's Response XX/XX/XXXX Re : Consumer : XXXX XXXX XXXX : Auto Advantage Finance Complaint : CFPB XXXX Regarding the above-reference consumer complaint filed by XXXX XXXX, Auto Advantage Finance respectfully responds as follows : Auto Advantage Finance has submitted an updated credit file in XX/XX/XXXX to XXXX and XXXX. This file reflects all information through XX/XX/XXXX. AAF will attempt contact with XXXX XXXX to follow up with this issue so that we may clear up any confusion and or prevent any future issues. 


Update To XXXX XXXX XXXX XXXX has done absolutely nothing to resolve my issue. I contacted XXXX and XXXX. I was informed that there has been no updates to credit file and no information regarding my account has been received by the credit reporting agency. I am wondering if maybe they entered the wrong SSN # for my acct. The inquiry by XXXX from the day I purchased my vehicle is not showing on my credit report either. I have sent AAF another message in regards to the issue. They have not responded. It has been about XXXX XXXX wks since I sent them a message.
Product: Debt collection

They are violating my rights. Harassing me and caused emotional distress. I was given false information upon attending classes at their facility documents were done in fraud.
Product: Mortgage

My mortgage loan service provider : https : //www.myloancare.com/ has been down for over a week. All calls to their customer service go unanswered. 

I need to make my mortgage payment but their is no information on how to do that. 
The phone payment option is not working either. 


URL : https : XXXX XXXX XXXX XXXX XXXX XXXX  Lot of users have the same issue : https : XXXX
Product: Credit reporting or other personal consumer reports

Capital One did a inquiry on XX/XX/year> and contacted them and wrote them that i did not give permission for a inquiry to be done by them. 

this is also the second report i have sent to cfpb too about this matter
Product: Checking or savings account

On XX/XX/year> I deposited a check made to my finance but payable to me. We included both signatures as well. The bank now deposited it and then reversed it and mailed the check which I may never receive due to my mail situation. I should have been contacted as in their own words is was almost {$27000.00}. Now they wont just cancel the check and put it into my fiancs new account. They were the ones who said I would be fine doing this and then transferring to his new account since he is XXXX. He has waited for a year for this to be the only source of funds from his social security XXXX. Now we are getting the run around and keep saying wait for a check that they decided to mail and it may never come. This is causing extreme XXXX XXXX and inability to pay bills. Please help us. We have called over 10 times to get pushed around and told to fix my mail which I have done numerous times to no avail. The post office is completely aware.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email telling me I had options for a different flight and I asked about a refund. Never told them to give me one. On XX/XX/XXXX, I received an email from American Express saying that I had been refunded for a flight for my honeymoon to XXXX for {$1900.00} Unaware of this, I did not rebook my flights. I booked my flight and hotel together and they only refunded my flight because my flight had been changed. On XX/XX/XXXX six days before my flight leaves, I got a confirmation email saying that the flight I had booked is still ready to go. I showed my wife the email on XX/XX/XXXX and she looked it up and it showed that the flight had been refunded and it was not good to go. I called American Express and they said that I needed to rebook the flight for the new up charge of {$1500.00} per ticket ( I needed two tickets ). They said I would have to book them if I wanted to go and they would create a case for me to dispute the charges and would contact me within 72 hours. American Express does not contact me within 72 hours and by the time they do contact me Im out of the country with no cell service. They called me XX/XX/XXXX. Almost a week later. They email me on the XXXX as well which I respond by telling them I wont be able to get talk because Im out of the country. I will be back on the XXXX. Once I get back, they call me on XX/XX/XXXX. I talk to a female named XXXX. She tells me that they have documentation showing that it was refunded and that I need to take accountability. They offer me a {$500.00} travel voucher thats good for a year. I received an email and a refund but I did not notice it until XX/XX/XXXX. As previously stated above. American Express canceled my flight not my hotel, forced me to book a new flight and add another night, and then told me that I need to take accountability for this.
Product: Credit reporting

There are XXXX inquiries on my report which I have never authorized and I have asked Equifax to please review and remove the inquires off of my file. I never authorized XXXX, XXXX or XXXX XXXX XXXX to pull my credit report. Yet, I have inquires from them reported since 2-3 years ago. I have tried to contact the bureau regarding these incorrect items and I have not received a response for my letters mailed on XXXX XXXX. I do not understand what is going on. These inquiries are affecting my student loan interest rates and I would like them to do the right thing and remove and investigate these companies that have accessed my account without my verbal or written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPB that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. 

Citibank be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPB, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and Citibank This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness.As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 

Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. Citibank as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.
Product: Credit reporting or other personal consumer reports

I filed a complaint with this company XX/XX/XXXX regarding incorrect information report. If XXXX XXXX XXXX  store the cord is for in-store only. 
I purchased some merchandise XXXX or XX/XX/XXXX. The merchandise was returned. Original items brand new. XXXX only gave me a partial credit back when I questioned time and time again why they reported my account delinquent which cause my other credit cards that Ive worked so hard to obtain credit limit to be decreased, which cause my credit score drop XXXX point. 

This agency contacted XXXX I received a letter from XXXX dated XX/XX/XXXX of XXXX indicating that they had put a request in to send all applicable credit reporting agencies the correct information to the discrepancies for my account. XXXX is continually reporting I received an email XXXX days ago that my cold credit card has reported to Equifax for the third time that this account is delinquent there is no balance. I dont know how many times I have to complain to this agency. I dont know what else I need to do it says XXXX/ XXXX XXXX  I contact to capital one they do not oversee the XXXXs in-store credit card only the XXXX universal credit card . 

Because of the lies, the accuracies, XXXX has caused me tremendous stress, and my credit score to take a serious decline because of their false information. I have no merchandise. All of it was returned. My question to XXXX, which XXXX never answered is regardless, if the item was on sale or night. Whatever the customer is charge to purchase the item when the item is returned the customer is to receive the full purchase amount as a credit. No where does it state if a customer uses whatever credit its available when they return the item that they charge the fee what that makes no sense XXXX needs to stop reporting lies on my credit report Ive had enough. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate reporting by all three credit bureausEquifax, XXXX, and XXXX multiple accounts. The issues include : XXXX. Incorrect reporting of account opening dates. 
XXXX. Inaccurate reporting of late and on-time payment history. 
XXXX. Inconsistent information across credit bureaus for the same accounts. 

The accounts affected are : XXXX Bank ( Account ending in XXXX, {$1700.00} ) XXXX Financial ( Account ending in XXXX, {$0.00} ) XXXX XXXX XXXX Bank XXXX Account XXXX XXXX XXXX, {$2000.00} ) XXXX ( Account ending in XXXX, {$2200.00} ) XXXX XXXX ( Account ending in XXXX XXXX {$0.00} ) XXXX These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires maximum accuracy, and 15 U.S.C. 1681i ( a ), which obligates credit bureaus to investigate and correct disputes. The failure to resolve these errors within the 30-day period mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) demonstrates noncompliance.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against the three major credit reporting agenciesExperian, XXXX, and XXXX their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding the reporting of collection and charged-off accounts with inaccuracies and improper balances. The CRAs are not investigating these accounts. They are just coming back saying the account is verified accurate. I have requested a " Forward Flow Agreement '' from XXXX XXXX XXXX, a third party Debt Collector who purchase this account in a bundle. they are reporting an incorrect balance. I have requested XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS for updating my taxes. They received insurance on this charged off account so it should not be reporting a balance. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. These errors directly violate this obligation. Charged-off accounts are being reported with remaining balances, despite federal regulations stipulating that once charged off, written off balances should reflect the true amount owed or zero if forgiven. These inaccuracies are negatively impacting my creditworthiness and ability to access financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score with all three major credit reporting companies has been over XXXX until XXXX when Equifax dropped my score by XXXX points from XXXX to XXXX even though nothing in my life regarding my finances/debt had changed. I called Equifax on XXXX and was on the phone being passed around to 5 different people for over an hour and was told that they could find absolutely no reason why my score dropped and they could not understand that it had happened ( the call was apparently recorded so they can listen to it ). I then asked that my credit score be but back to where it was ( XXXX ) and was told that there was nothing they could or are willing to do. This is ridiculous as I have worked so hard to get my credit where it is and to have it go from excellent to fair for no reason is ludicrous. There is something wrong here as Equifax is the only one of the three companies that dropped my score, again even though nothing in my financial status has changed. It seems unfair that they can just do what they want and make credit scores whatever they want. I requested 4 times to speak with a supervisor but was never put through to one.
Product: Checking or savings account

Bank accounts were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent.
Product: Student loan

I have a US Department of Education loan debt. I 'm forced to use a company called immediate credit recovery to process my collection amount for the period of 11 months so that I can get out of default status and work out a different payment arrangement. I 've had ongoing issues with this company and the Department of Education about my loan. I have been paying the monthly obligation and yet the amount that I 'm paying is not showing on my credit reports as of today XX/XX/17  correctly and on the statements from the Department of Education the amounts are showing past due when they are not past due they are automatically taken out of my account each month. I have proof of all of this. I have contacted the Department of Education they will not help me and I have contacted ICR and they will not help me. Wrong information is being reported on my credit report and information that is inaccurate and money that I 'm paying is not being applied to my account properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute an item on my credit report and XXXX is blocking me from doing so online. They give a useless phone number which makes it very difficult to file the dispute. By not allowing to file the dispute online, XXXX is showing extreme bias toward the consume in favor of the merchant or credit card, as they are allowed to place items on line. I believe also that XXXX is in violation of United States Law regarding consumer protection, as we are supposed to be able to dispute an item on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX   XXXX {$5500.00} XXXX XXXX {$2700.00} USDEPED XXXX {$31000.00} XXXX  XXXX XXXX {$640.00} DPT ED XXXX XXXX {$68000.00}
Product: Mortgage

On XX/XX/XXXX, I emailed KeyBank and advised them that I have not received statement on my mobile/online banking for over 6 months. Instead, When I click to download my statement, a notice appears telling me that my account is undergoing technical difficulties. Again, I have been receiving this same notice for 6 months or more now. KeyBank responded XX/XX/XXXX, apologized and stated that the issue would be corrected in 4 to 5 business days. My confirmation # for this complaint is XXXX. On XX/XX/XXXX, I logged in to KeyBank again, to view my statement and make a payment. There was no statement and In its place, another notice that my account is undergoing technical difficulties. I Have paid my loan monthly and on time b/c I have received statements in the mail. I have not seen a statement for the month XXXX. I have not received it in the mail, and it is not posted online. I will gladly make payment but need to view my statement first. I do not wish to receive statements via mail, and would prefer statements be posted to mobile site for convenience. Either way, I at least need to see my statement. I e-mailed KeyBank again on XX/XX/XXXX regarding this issue and have had no response back. I Am disappointed with KeyBank service. I have had several issue in the recent past. This now my 3 CFPB complaint. It is the only way things seem to get resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act 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, has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly statos that I have the right to privacy. 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. U.S.C 1666B : A creditor may not treat a payment on a credit card account under ar open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immadiately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In accordance with the Fair Credit Reporting act XXXX  account # 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 a account without my written consent. XXXX XXXX XXXX XXXX was not given any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX is reporting unauthorized inquiries on my CONSUMER REPORT. XXXX XXXX XXXX XXXX is in DIRECT violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. There are several errors now listed on a updated credit report as of XX/XX/2022. ENCLOSED IN THE LEGAL DOCUMENT SENT TO XXXX XXXX XXXX XXXX WERE SENT A COPY OF MY ID ( DRIVERS LICENSE ), AND A UTILITY/CABLE BILL STATEMENT FOR PROOF OF ADDRESS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. These concerns were disputed on XX/XX/2022 and have not been removed. The dispute was sent certified mail with return to sender. There are several errors now listed on a updated credit report as of XX/XX/2022. XXXX XXXX XXXX XXXX has caused severe stress and anxiety due to the abusive and unfair practices.
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. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

The company appears to have purchased fraudulent/ identity theft debt from XXXX XXXX and is now representing it as occurring in XXXX of 2023. 

This has already been reported to the police and appears to have been resold rather than resolved by XXXX XXXX.
Product: Credit card or prepaid card

I have had my credit card with Navy Federal Credit Union for over 5 years and have been a member forever 14 years. My credit card expired in XX/XX/XXXX, and I contacted Navy Federal asking for my new card. I was told that my credit card account did not meet their standards under review, and that my account had been closed. I was asked what criteria was used to make that determination, and was told that they didn't know and could not transfer me to the credit card department in an effort to keep the credit card department unbiased. This is the same credit card that I talked to multiple times in the past. They told me that they sent a letter to my address, but I never received it. It was not sent certified mail, and they have no proof that I received the letter.

I then sent a secured message to Navy Federal detailing their disclose, and asking which of the terms I violated that resulted in my account being closed. Again, I received a response that said after review they decided to cancel my account. I replied to their email and asked what the specific reason was.

I received a call today from the credit card department that I wasn't allowed to talk to previously. They then said that my card was cancelled due to my credit score, but my credit score was lower in the past and my account was allowed to stay open.