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

I have already sent a letter addressing the inaccuracies and unknown items on my XXXX XXXX, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken XXXX of and my XXXX are being XXXX. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my XXXX XXXX Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for more than 6 month that my mortgage company which is XXXX XXXX XXXX report my payments to the 3 agency credit bureau but they have been refusing to do it. I file for bankruptcy over 7 years ago and I have sent them a confirmation letter written for me and talked to my attorney and he said the confirmation was include when I filed. so in XX/XX/XXXXthey asked me for a bankruptcy discharge, I sent it to them, then a confirmation letter in XXXX and another documents and calling and ask them many times to report my payments so I can improve my credit score and get better interest when I apply for any kind of loan ... I don't know what else to do ... please help with this Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/XXXX , I sent a letter to Navient regarding the late payments that they are reporting for my student loans. In this letter I requested documentation that would prove that my loans were not in forebearance during that time, and as of  XX/XX/XXXX  I have not gotten a response from Navient regarding this matter.
On  XX/XX/XXXX , I submitted an online dispute with  XXXX ,  XXXX , and  XXXX  regarding the inaccuracy of late payments to Navient in  XXXX  and the status was not changed.
The second online dispute with the  XXXX  credit reporting agencies was submitted in  XX/XX/XXXX .
On  XX/XX/XXXX , I submitted yet another online dispute regarding this same matter, and have yet to get any type of response from NAVIENT.
If they ca n't furnish documentation that states that I was indeed late on payments then I feel that the reporting should be updated to current for the duration of the loan origination.
Thank you in advance for helping me in this matter.
  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Rent Recovery Solutions account XXXX has violated rights 15 U.S.C 1681 section ( A ) ( 4 ) I have the right to Privacy.

15 U.S.C 1681b section ( A ) ( 2 ) Nothing can be furnished on my report without my written consent
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I received a physical credit card from XXXX XXXX. I notice someone was using my social security to open a lot of credit card. I report it to the police and made a police report. The police report is current still pending for me to receive it. I did call the companys of the credit card to make sure to let them know it was not me. 
I notice I still have some inquiries in my credit report XXXX that are affecting my credit score. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All these inquiries on my XXXX credit report I did not apply for. I have not applied for any credit since XXXX XXXX XXXX XX/XX/XXXX Thank you
Product: Debt collection

My for-profit school,  XXXX  College, was closed by the state for false reporting of job placement data. I applied for a defense to repayment with the Department of Education but was denied. I owe about {$55000.00} in loans. I have a business degree from a school that went out of business. I was promised lifetime job placement assistance but the company can not deliver on that promise. My credit is ruined and I now have Navient calling me every day to collect on money I do not have. You ca n't get blood from a rock. The weight of this debt is depressing and paralyzing. It is simply unfair for me to have to pay this debt when I have not been able to get a job in the field that I studied.
Product: Debt collection

I have paid off the collection CONNS XXXX, but it is still showing on all three credit bureaus as a derogatory mark due to past late payments. This is hurting my credit score and need it removed permanently. I am in the process of buying a home and this collection is hurting my chances of receiving a loan.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & XXXX XXXX XXXX  m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Checking or savings account

hey im not able to open a bank account I would like all negative items deleted from my consumer report due to Section 1681i
Product: Credit reporting

Experian has locked me out of on line disputes. The only explanation I get that an account number associated with my social security number is verified as my account. I have sent court documents that verifies that this mortgage loan belongs to XXXX. I have never had or filled any paperwork for an individual account with XXXX XXXX. It has been 6 1/2 years and I have disputed it since this company started reporting erroneous information on my Experian Credit Report. My last document the end of XXXX is a District Court document showing case information, cause number, defendants, when it was filed the docket type, ( several defendants due Texas laws that if a person dies without a will property will be divided between children and spouse. ), case history by date, and an agreement that case is disposed due to estate has no value. It is unbelievable that the credit agency that destroys the ability to get a job, car, or home will take information from some company or person that could realize or not know the major impact erroneous negative reporting does to families. For me how does a company override court documents that clearly identifies that XXXX XXXX has not owned or a part of this mortgage loan since XXXX/XXXX/2013. That the case has an agreement and the estate has no value and it is disposed. If someone could let me the details of how a company can report when they are not involved and how they can report since there is an agreement.
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX XXXX failed to cancel my service and continued billing. I was a XXXX  XXXX customer for nearly 10 years prior to acquisition by XXXX XXXX, XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I contacted XXXX and made a request to cancel services. I was instructed to write a letter of cancelation with the corresponding address provided. I follo1wed the instruction provided and expected the service to be cancelled. In XX/XX/XXXX, due to a divorce, I left the address of service with the knowledge the alarm monitoring service was cancelled. On XX/XX/XXXX, my credit monitoring service alerted of a collection for {$390.00} by Zion Debt Holdings, LLC who apparently purchased the so-called debt from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I attempted to rectify the erroneous collection of debt, but I was told it was a penny to a dollar debt purchase made from XXXX. I called XXXX to explain how I ended up with a debt for services I stop using since late XXXX. Zion Debt Holings, LLC provided a contract transferred to XXXX with my bank information ( which is still the same ) where XXXX XXXX used to do their automatic billing. XXXX never made any attempts to make an automatic payment on my bank account, or I have ever received a debt collection notice by XXXX by mail or reported on my credit report. Zion Debt Holind is now pressuring me to provide a copy of cancellation letter sent to XXXX knowing the possibility of not having was in their favor. XXXX appears to have a history of complaints for the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received my credit report and noticed violations under the 15 US Code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ). In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance, with the written instructions of the consumer to whom it relates. Meaning that if you do not have or have gotten any instructions from me ( THE CONSUMER ) to furnish an account on my report, it should not be there. That is a violation.I never gave written instruction to furnish any of these accounts. Secondly, according to 15 USC 1681. The law clearly states : 1. Accuracy and fairness of credit reporting.

2. There is a need to ensure that consumer credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy ( ME ).

The following accounts are inaccurate and in clear violation of my privacy which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As a consumer, I want the following accounts to be DELETED from my credit report IMMEDIATELY : XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX - Account # XXXX I DID NOT GIVE WRITTEN INSTRUCTIONS TO REPORT ANY OF THESE ACCOUNTS TO MY CREDIT REPORT. 
These offenses add up to Aggravated Identity Theft and Reporting Outdated and Inaccurate Information, also lying about debt validation. Pursuant to 18 U.S.C. 1028a You have knowingly possessed, used, and transferred my personal information without my permission this is a felony punishable by two years imprisonment in addition to civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX  I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.
Product: Credit card

On XX/XX/2024 at approximately XXXX XXXX  EST I went to a SUNCOAST CREDIT UNION BANK located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL and spoke with a associate by the name of XXXX XXXX ( ID XXXX ) who is a member service advocate at SUNCOAST CREDIT UNION about a special deposit Tendered so settle the account for credit card they alleged I owed and agreed to pay the debt. I sent a special deposit money order by certified mail on XX/XX/2024. I received notice on XX/XX/2024 The money order was picked up and signed for but have not heard any response or update to my account balance to reflect the account being settled.I also agreed to pay on the condition they provide me with Verification/Validation of Alleged Debt. I was unable to receive the documents requested. I spoke with another representative on XX/XX/2024 at approximately XXXX XXXX  by the name of XXXX ( ID XXXX ), Member Escalation Analyst with Suncoast Credit Union. Who was unable to provide me with the documents demanded for proof of claim showing the binding contract between both SUNCOAST CREFIT UNION AND ME I also spoke with XXXX ( ID XXXX ) Research Department Suncoast Credit Union XXXX XXXX XXXX XXXX | XXXX | XXXX, FL XXXX P XXXX | F XXXX and they were unable to provide me with the documents to 1. Validate/Verify the debt with the actual accounting for the contract, 2. Verification of claim showing the signed invoice, A copy of the contract finding both Suncoast credit Union and me in a letter certified mail so that there is a independent witness to it being delivered without prejudice. I was not provided for disclosure, equal consideration, lawful terms or conditions XXXX, wet in signature of both parties, being Suncoast, credit union and me. I have Tried calling and going in branch to get this account settled and resolved but out of all the member I have documented speaking to none have been able to provide me with the documents Demanded.
Product: Credit card or prepaid card

Regarding : Citi XXXX XXXX Bonus Bonus Details : XXXX XXXX Points after spending {$7500.00} within three months Problem Description : Card was received with a statement which reads : " Our records show that you are not eligible for the bonus based on a recent opening or closure of your Citi card ( s ). '' Upon calling Citi ( XXXX/XXXX/XXXX XXXX XXXX Duration : XXXX ) today to understand the issue, I was told that I likely had a card within the last 24 months which invalidated the offer. I informed the representative that I have never before had a XXXX card. He further checked and said that I had a different XXXX card which was closed in XXXX. The card which I had closed was different to the Prestige card but I was told that I was likely not allowed the bonus because it was within 24 months and within the same " family '' of cards. I then asked where on the application that information was as I have a print out of the application which I completed online and see no text describing that. The person assisting me spend quite a bit of time trying to find the text which stated that and then eventually had to put me on hold to further investigate. Eventually he was able to come back with text which another individual found on an application which stated the original reason described. The text apparently greatly differed from the offer which I read to the representative which made no such statement. He informed me that the offer was not available to me because of this text. I again stated that it was not the offer with which I had applied but he stated there was nothing he could do about that. I also informed him that when I had called in originally to check on the application ( XXXX/XXXX/XXXX XXXX XXXX Duration : XXXX ) the representative made a point of confirming with me that I would need to spend the {$7500.00} within the first three months to be eligible for the bonus of XXXX XXXX points. He apologized for me receiving bad information but stated that he could do nothing about that. 
Issue : The application, which I printed, makes no mention of the exclusion which the representative from the XXXX call quoted. The simple statement the second representative made that the first was wrong does in no way make what I was told incorrect or invalid. I was speaking to a representative of Citi in my first call and she clearly stated the details of my bonus offer. She even went so far as to put me on hold while she handled the application with, as she stated, an underwriter and never once made a statement that I would not be eligible for the offer.
Product: Checking or savings account

An unauthorized charge was done on Friday, XX/XX/XXXX and posted on XX/XX/XXXX in the amount of {$910.00} was performed at a XXXX XXXX in XXXX, XXXX XXXX, CA. XXXX hours away from him home. 

I called Wells Fargo bank immediately when it happened as it overdrew my account. They stated the chip was inserted and pin used but My wide and I verified we had the card in hand at that moment so that would be impossible unless our card was skimmed and cloned somehow. Also, the fraud claims department was not open until Monday so we were instructed to call back then. 

I called back Monday, XX/XX/XXXX and Wells Fargo XXXX they would provide a provisional credit while investigating. 

There was no follow-up and on XX/XX/XXXX Wells Fargo reversed the provisional credit and said their decision stands because a chip was used and pin and it cant be duplicated. 

This fraudulent charge was not investigated whatsoever and Wells Fargo is not providing the protections for its members i this case where skimmers were able to clone the information and card. 

I filed a complaint and they stated it would take XXXX business days for someone to contact me. 

This is very disturbing as Ive been a long time customer, with several products and place over XXXX in deposits each year. 

The transaction was a one-off charge with no other activity within the vicinity. Wells Fargo needs to do a better job at investigating these matters and communicating progress and decisions with its members. You could tell they were just going through the motions and just because they had some sort of description that stated chip inserted It this is not possible when I had the card in hand. 

I thought Wells Fargo would do better in this situation but pretty much wiped their hands clean of it and put the financial burden on me. 

I want my credit returned as this was an unauthorized fraudulent charge.
Product: Checking or savings account

I signed an affidavit regarding a forged signature on check issued from Capital One several months back, emailed to address provided, the number provided was called numerous times, Capital One reps do not have any information in re. The amount of which is {$4200.00}. The bank which check was cashed at was contacted, XXXX XXXX, they claim no receipt of affidavit from Capital One. I had reached out to person whom cashed check at the time, unable to obtain funds from, I requested Capital One re-investigate matter, their rep referred me back to person whom cashed check which I do not have contact information for and is not my responsibility to do so. This matter was brought to Capital One 's attention back in XX/XX/XXXX, numerous reps replied in re, including a XXXX XXXX, XXXX, XXXX, XXXX, last rep by the name of XXXX. Capital One stopped payment on check prematurely, reissued check via XXXX while I was on vacation which was intercepted and my signature forged. I've attached check copies here as well as proof of whereabouts time check intercepted and cashed numerous times prior, Capital One reps chose to ignore information or mark complaints has duplicate to avoid addressing. I suspect this complaint might be marked as duplicate which is normal behavior for Capital One reps, if so, complaint will be refiled. I request another affidavit sent to me regarding this check.
Product: Credit card

I decided to purchase a new XXXX and Apple Watch for my wife via Apple 's website, using my Apple Card. The transaction was declined. At the Apple store the next day, we were able to force the transactions through with the help of an Apple sales manager. Thinking the card was ok, I went to pay a doctor 's bill online. That too was rejected. When I called Apple card support, they told me the card was " under review '' for fraud. I did not report any fraud, I reviewed my purchases and they were all mine, no issues. Exasperated, I called again and told them that I pay everything via that card. My bills will be late if not resolved immediately. They responded with no assistance or resolutions and no empathy, whatsoever. I pay my credit cards in full every month, I have never been late with a payment since I have had the card. My XXXX XXXX is XXXX. 

Strangely, they sent me an email a week later to contact them. When I called at their request, they again told me nothing, literally nothing. It took another week for them to get back to me.saying, " you're all set, we found no fraud ''. When I asked them what prompted this review, they again would not comment. 

I'm lucky enough to have more than one card, so I spent 5 hours online removing all payments to my creditors from Apple to another card. I spend about {$5000.00} a month on the Apple card. Not anymore. I know it's really nothing to them.

There wasn't even an apology from Apple. Apple card support 's response was, " lets just move forward and not look backward '' ... ... .I was incredulous! It was the worst treatment as a customer I have ever received ( all payments made in full monthly and I reported no fraud ). 

Again, I'm lucky to be able to pick who I want to partner with to meet my financial needs. I voted with my feet and will never do business with them again. I just hope this is a warning for others to be careful and not trust Apple card and have a few other choices available so they can't impact a credit rating. 

I read that Goldman Sachs is trying to unload the Apple card to another credit card company. If this is how they treat people, the regulators should look very closely on how they treat their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never Late on my Account with Bank of the west
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX  Account XXXX, XXXX, XXXX, XXXX has violated my rights 15 U.S.C 1681 Section 602 states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Wells Fargo has an automated system to add an unauthorized payee ( new Wells Fargo credit card ) to your online checking account bill payment function each time you get a new credit card. This happened most recently to me on XX/XX/22 but has happened previously in the past several months. I made at least XXXX complaints to Wells Fargo including their executive office ( XXXX ) but they have not resolved this issue by removing that automated feature. Besides being unauthorized ( and possibly illegal like those unauthorized accounts Wells Fargo set up in the past ), the automated feature is inconvenient because I have to manually remove the payees, and it creates the risk of unauthorized payments. This does not help customers either because they can use a transfer function to make Wells Fargo credit card payments and don't need this automated feature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Overview Balance {$990.00} Highest Balance {$990.00} Opened XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Closed No Info
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries please remove them immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

UPGRADE INC HAS A UNKNOWN LOAN IN THE AMOUNT OF {$10000.00} Opened XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT 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 as a consumer reporting agency can not furnish a account without my written instructions.