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

In addition to NEVER HAVING A CONTRACT WITH THE COMPANY AIDVANTAGE ; this company is reporting knowingly harmful and fraudulent data to credit reporting agencies. This company even sent email saying that Im not required to make a payment at this time- so why is this company reporting false late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EXPERIAN HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORT THEY REFUSED TO DELETE/REMOVE. 
NAMES : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- Addresses : XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX FL XXXX - 2028 XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX LA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX SSNs : XXXX Year of Birth : XXXX PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX IVE RECENTLY PILLED MY CREDIT REPORT AND FOUND SOME ACCOUNTS THAT ARE NOT MINE AND INACCURATE. 
Spouse or Co-Applicant : XXXX Employers : MXXXX XXXX XXXX- XXXX- XXXX XXXX ACCOUNTS : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WAS NEVER LATE PLEASE CORRECT XXXX XXXX  XXXX XXXX/XXXX  XXXX
Product: Checking or savings account

When I opened my checking account with Capital One 360 I was enrolled in a promotion " Open a new Capital One 360 checking account by XXXX XXXX, XXXX and receive XXXX direct deposits of {$250.00} or more within 60 days of accepting the terms. You must also use the reference code XXXX. '' I entered the promotional code and completed the requirements of the promotion as required and never received the {$400.00} bonus stated in the terms. Qualifying Direct Deposits include payroll through an employer, Social Security XXXX XXXX Deposits, Fixed Income Direct Deposits, and government benefits ; I received XXXX ACH deposits of {$250.00} each on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, they were both payments from my part-time employer XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$8400.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$0.00} Other Identity Theft Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$19000.00} Other Identity Theft Company or Organization : XXXX XXXX  XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$780.00} Other Identity Theft Company or Organization : XXXX XXXX XXXX Account Number : XXXX  Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$300.00} XXXX  {$1500.00} ACCOUNT NUMBER XXXX
Product: Vehicle loan or lease

Because XXXX finance charges me late fee without my knowledge XXXX monthly bills I received from XXXX didnt show late fee amount ), I called the company and spoke with their customer service agent. I asked them to send me all payment I made since I purchased my car. It took them about four months and several phone calls before they decided to send me a copy of all payment I made since I purchased my car. 

When I looked at a history of my payment, I noticed that there are several {$19.00} late fees. I also notice that most of my payment was forwarded toward interest fees. Im not sure why. 

When I called back and spoke with a customer agent, he also told me that a four percent late fee has been applied to my loan. 

My questions to you : is it legal for XXXX finance to charge all these fees? What portion of my monthly payment XXXX is allowed to apply to interest vs. principal?
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at Bank XXXX XXXX account number ( XXXX ), XXXX XXXX account number ( XXXX ), XXXX account number ( XXXX ), XXXXXXXX XXXX account number ( XXXX ), XXXX XXXX XXXX account XXXX XXXX XXXX ), XXXX XXXX XXXX account XXXX XXXX XXXX ), XXXX XXXX account number ( XXXX ), XXXX XXXX XXXX account number ( XXXX ). These accounts have resulted in several Fraudulent accounts, inquiries and collections appearing on my consumer FICO credit report> I demand that the aforementioned fraudulent items be removed from each of my consumer reports and that all collection activities related to the items cease under my rights. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

It has been almost 7 months since this happend to me and my business. I received a XXXX grant In XX/XX/2020, this year. The funds were in my account untouched for two months. There was no freeze or any kind of action against my account, at Navy Federal Credit Union. I went into the branch to make a withdrawal with proper identification, and I was treated the worst possible way, the staff and managers, not only embarassed me, but singled me out and had the fraud dept freeze my account. I then called the fraud dept of the bank, from the bank with the Small Business Association on the phone line as well, for a conference call. The purpose of that was to let the sudden flag for fraud alert that the teller/manager put on my account removed. After speaking with the fraud department in the conference call, they allowed me to make the withdrawal and removed the fraud block. At this time im almost 5 hrs into being at the branch on XXXX XXXX in XXXX sc. I handed phone back to the office manager to be certain the fraud specialist cleared up the issue. I then went back in line, waited about 30 minutes, I had in hand, my 2 forms of state issued IDs and filled out withdrawal slip. Then to my amazement, the teller is refusing again to let me make the withdrawal. I ask for the manager that was sitting with me during conference call. She came up and said they now need to verify my military background. Im just looking at these people wondering why they are completely against me making a withdrawal. I explained to them my account has been open around 6 months. Now suddenly uour questioning my military background. I almost called the police on these people workng at the bank. Im now in this bank for 7 hrs and 30 min. Not to mention, the hour drive to the bank. The manager at the bank confirmed my military status and again, i go to teller counter to make withdrawal and the lady tells me again to call the fraud department again to remove the flag the manager placed on account questioning my military background. Its now XXXX  and bank is closed. They refuse to let me make the withdrawal, I was very insulted, embarrased, and completly was singled out. The teller commented that I am the only white person that had been thru the bank all day. She just laughed and laughed with her other co workers. I asked what was that comment for. They just laughed. I left bank and returned the next day at XXXX. The lead teller told me I dont have funds available in my account. The sba can not redeposit my {$10000.00}. I have contacted Navy Federal Crefit union repeatedly. They wont return any calls or letter I sent in. They are responsible for my loss, and need to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : # XXXX My minimum payment was made on the due date XX/XX/2023 which I paid. The balance was {$2900.00} after that payment. My Statement date is XX/XX/2023. I made a payment of {$2300.00} on XX/XX/2023 BEFORE the cut off time and, immediately my available credit limit increased.. The Statement was posted on my account but, had not generated being the Statement date closing of the billing cycle is the XXXX of each month. 

Navy Federal reported the balance of {$2900.00} to XXXX XX/XX/2023 and, XXXX / XXXX The prior balance of {$2900.00} BEFORE Re : # XXXX My minimum payment was made on the due date XX/XX/2023 which I paid. The balance was {$2900.00} after that payment. My Statement date is XX/XX/2023. I made a payment of {$2300.00} on XX/XX/2023 BEFORE the cut off time and, immediately my available credit limit increased while the payment was Pending.. The Statement was posted on my account on this day but, had not generated being the Statement closing of the billing cycle is the XXXX. 

My payment was still pending XXXX, the XXXX it finally posted to my account. Even though I made my payment before the Statement generated they reported my account. 

Navy Federal reported the prior balance of {$2900.00} BEFORE my payment to the CRAs on the XX/XX/2023 and, XX/XX/2023 to XXXX and XXXX reporting agencies that effected my Utilization rate. I file a complaint XXXX XXXX regarding this repeated reporting. In their response to the complaint the company says and, I quote Navy Federal sends credit reporting information once per month within the week of the issuance of the account statement.

If I pay my account payment on the Due Date and, Statement Date why is the balance BEFORE the payment is reported and not the balance AFTER my payment. Navy Federal is not accurately reporting my account. If they can report to the reporting agencies the next day after the Billing cycle close, they can report my payment I made BEFORE the Billing Cycle close. This balance will be on my credit report for 30 days and this is unfair and, misleading of judgement to my character, and effects my ability to obtain credit. Such reporting effects the way lenders whom access my credit report. views me. I demand a correction to the reporting and my Utilization rate.
Product: Credit reporting, credit repair services, 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 and number : XXXX XXXX XXXX Account name and number : XXXX XXXX  XXXX, Account name and number : XXXX XXXX XXXXXXXX & 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit 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 Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX  three times now. Regarding the open status shown with my captial one credit card. It was closed last year with my Chapter XXXX bankruptcy. It still shows open over a year and a half later. Regardless of multiple contacts I've made to XXXX  and Capital One. Neither company has taken action to correct it, although both have made promises to do so. This is a clear violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violatedmy federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602a states I have a right to privacy 15 USC 1681 604 a section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 years. 

15 USC 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 consciously avoids knowing that the information is inaccurate.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : : # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX XXXX  account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trusXXXX and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

I just looked at my consumer reports and noticed a collection on an account that is not mind. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never had this account and did not provide written consent to report the account : XXXX XXXX XXXXXXXX : [ XXXX ]. 
XXXX : [ XXXX ] XXXX XXXX XXXX : [ XXXX ] Please investigate and provide proof with statements showing that this collection is mine and proof that I authorized the reporting of this information. If proof can not be provided I demand these collection accounts be removed immediately.
Product: Prepaid card

I received a physical American Express XXXX XXXX for {$500.00}. I have tried to use it at multiple online stores and it has been declined at all of them. For some of the transactions there has even been a {$0.00} charge to the card even though the transaction was declined. There are sufficient funds on the card to cover the transactions and I entered all the info as directed by the American Express XXXX XXXX site - there is an FAQ on how to use the card at online stores and I followed all the directions. The directions state to enter it as a credit card ( not gift card ) and enter the card number, the expiration date and the security code. If it requires a billing address, the American Express XXXX XXXX XXXX says to enter my name and billing address. I did all of that and they card was still declined. I then called American Express XXXX XXXX customer service and they told me I can not use it at online locations that require a billing address, even though the American Express XXXX XXXX FAQ online said to enter my own info if that is requested. The customer support representative just suggested I use it at a physical location that takes the card, which is not particularly helpful.
Product: Checking or savings account

On XX/XX/XXXX I noticed there were several NSF applied to my PNC checking account. If they had processed them in order there would have been one NSF fee, but instead, they applied NSF fees to 7 transactions, {$36.00} a piece. I called on XX/XX/XXXX and spoke to a " consultant '' and she attempted to credit the money back but the system would not allow her to. The next day I went into my bank account to assess if there were any more NSF fees. That's when I noticed a " Teller Deposit '' for {$340.00}. I called and spoke to another " consultant '' and she told me it was for a child tax credit and it would be removed with the deposit of the child tax credit. I had my complaint escalate and was left an email by a woman ( I will provide the name later ). I tried to contact her and the number she left would just ring and ring and then hang up with no voice mail. On Saturday XX/XX/XXXX, after I had transferred funds and made a mortgage payment, PNC decided to revoke the " Teller Deposit. '' My account showed a negative balance and it's as if the " Teller Deposit '' was never made. However, I took screenshots. No notification and my mortgage has not been deducted yet. So I called the main PNC number on XX/XX/XXXX and the " consultant '' escalated my complaint to another individual in the same department ( Retail Management ). The gentlemen refused to give me his last name, employee ID, or any identifying information. I spoke to him about the " Teller Deposit '' at which point he told me it was a mistake by the teller and I shouldn't have spent the money. At this point, I explained that the teller told me it was for a child tax credit. So he looked at the account and stated it was a " COVID relief '' deposit. I then posed the question that they can just arbitrarily add and take away money without notifying the customer. He told me, " Yes, '' and I proceeded to tell him that this was not legal and he insisted that it was. I have been a customer for over 10 years with PNC and after this, it has left a bad taste in my mouth, and will be searching for another bank to bank with. I have screenshots in XXXX XXXX form for the company to review.
Product: Debt collection

This report requires provisions from HEPA laws and Fair Credit Reporting. XXXX refused to validate and verify a debt that is listed on my credit report according to law under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), Fair Credit Reporting Act 15 U.S.C. 168, and Foreign Corrupt Practices Act. This office refused to provide competent evidence that I had any legal obligation to pay the listed company above and had the authorization under 12 U.S.C. 2605 ( e ), 15 USC 1692 ( e ), and 15 USC 1692 ( f ) in this alleged matter. 
Please provide me with the information you received from this company. I have a right to know who, what, and how a company is reporting on my credit. Is this company in violation of HEPA laws.