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

On XX/XX/2017 I used my credit card for a friend that lives out of the country to pay a some type of fees on his timeshare account with XXXX XXXX XXXX XXXX XXXX XXXX ; Because his credit/debit card was declined due to his banking security issues and he was not able to use his own credit/debit card at that time, so I used my card for the transaction. That was the ( ONLY TRANSACTION ) I allowed to be made on my credit card and never signed any contract with XXXX XXXX XXXX XXXX. ; After a couple of months I was traveling in XXXX and tried to use my card for a small purchase and the transaction was denied, I figured that the transaction was declined because I was out of the country at that time. Once I arrived back to the United States I contacted my bank and logged in to my online account only to find out that there were several large amount charges from XXXX XXXX XXXX / XXXX on my credit cards, so I contacted my credit card companies and let them know that the transactions were not authorized by me, so they place a claim for the transactions. Everything seems to be fixed for a while but after a couple of months the charges were reversed back to my account and the bank issued me a letter stating that XXXX XXXX XXXX XXXX. XXXX. ; provided them with my authorization for the transactions when I did not. XXXX XXXX XXXX XXXX. XXXX. negligently and knowingly charged my cards without my authorization for their member/stockholder account because their member/stockholder credit/debit card would not go through for the transactions, so they charged my cards over and over. Without my authorization XXXX XXXX XXXX XXXX. XXXX. saved my card information on their system without notifying either myself or their member/stockholder. 

After and while looking up the company online I found similar situations, they are money hungry and their agents try and do anything to get money in no matter what even it it is to break law in every aspect. 

Now, I owe my credit card companies {XXXX} not counting interests and my credit card companies only tells me to go to the police and nothing is resolved. 

Now the only choice I have is to file a law suit in Federal Court to recover the moneys they charged me because I can never pay this amount. 

This also have impacted dramatically my credit scores making it impossible for me to get a loan due to extremely high interest charges. Even more, myself and my partner have almost all of our accounts jointly and his credit has also been affected dramatically.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information and Experian denied taking the information off and instead let the consumer continue to charge me for whatever collection this is. I was homeless living with friends and family from XXXX. I was the victim of identity theft. I explained this to them and they are still reporting false information in my report
Product: Credit reporting or other personal consumer reports

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. My Account Names and Numbers : XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX
Product: Credit card or prepaid card

I made the first payment on the new credit card from Capital One/Walmart of {$490.00} on XX/XX/2021. However, I am yet to have that payment credited to my account to allow for available credit for me to use the card. I called Capital One and spoke to XXXX who told me that the credit will not be available to me until Friday, XX/XX/2021.That is 9 days ( 7 business days ) after Capital One got the money from my bank account. The representative told me there is nothing they can do to make the funds available on the card before XX/XX/XXXX and that if I want I can close the account. This to me, is ridiculous service and goes against their terms of service shared at the time of applying for the credit card. It shows that they do not care about me as the consumer as long they are getting the interest accumulated on held payments ( float ). Also, because I paid the account in full, they are losing on interest that could have been charged on the balance on my account. This is unfair practice.
Product: Mortgage

XXXX  and  XXXX   XXXX  sold  XXXX   XXXX   XXXX ,  XXXX  NJ in  XXXX ,  XXXX . As part of the sale, they needed to pay off a reverse mortgage held by Champion Mortgage  Co. Champion p rovided a payoff statement which charged interest on the loan through  XXXX   XXXX ,  XXXX . They refused to provide a per diem interest amount. On  XXXX   XXXX ,  XXXX , a wire in the amount of {$220000.00} was sent. On  XXXX   XXXX ,  XXXX , Champion sent a second payoff amount, demanding an additional {$900.00} in interest, even though the loan would not be open until the end of the month. On  XXXX   XXXX , a wire for the {$900.00} was sent. We were assured that any overage would be returned to us.  Champion  failed to provide an accounting of the loan, and did not record a cancellation. On  XXXX   XXXX ,  XXXX , a letter was sent to champion requesting the cancellation and placing them on notice of a {$50.00} per day fine assessed if they failed to file the cancellation. No response was received. On  XXXX   XXXX ,  XXXX , an email was sent  to Champion. Although the email was acknowledged, no substantive response was received. As of this date, Champion still ha s not provided a copy of a recorded cancellation of mortgage, nor has it returned the excess interest due. Another demand letter was sent to  Champion  on  XXXX   XXXX ,  XXXX .
Product: Credit reporting or other personal consumer reports

Transunion Violated the United States Code Law 15 U.S.C.
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 XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXXXXXX has violated my rights. Or a 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

TransUnion is still reporting money lion on my account I have tried to contact them sent letters and called disputed multiple times online
Product: Debt collection

XXXX XXXX notified me of a Derogatory Mark by a company called Cavalry Portfolio Se that I've never heard of. They are saying I owe {$3400.00} to them and put the mark on all 3 credit bureaus. Date is showing as XX/XX/2018. I've never opened anything at all in XX/XX/XXXX.They call me repeatedly from multiple phone numbers posing as a " local '' number and it's to my mobile number which I use for my business. It's ridiculous being on the phone with potential clients and having the same numbers beeping in. I've said repeatedly that I have no idea what debt they are referring to and to send me something showing my name, and my signature with their company deemed with this ridiculous amount otherwise to stop calling me. I still receive phone calls. My next course of action will be to contact an attorney to handle this if it's not resolved.
Product: Credit card or prepaid card

A couple months ago I disputed a charge against a merchant for charging my Citi credit card when they already charged another card they had on file for me. I showed my statement with my other bank as proof to Citi and they kept ignoring, and just rebilled me for the transaction ... As mentioned to them previously, I already paid for this with my other bank and I am NOT paying for it again!!!
Product: Credit card

On XX/XX/2025 I received XXXX letters stating both my credit cards with Wells Fargo credit limits decreased DRAMATICALLY ( {$14000.00} to {$400.00} ) and ( {$12000.00} to {$6000.00} ) and the reasoning ( high card limit, late payments ) were none at which applied to me. When speaking to the executives he just kept repeating we can decrease your limits at any time per our contract agreement. The most frustrating part is I had just paid off a large amount on one of the cards prior to them decreasing my limits. I have no other reason than to believe because they are no longer making interest money from me off that card they chose to decrease it.
Product: Debt collection

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name & Account Number : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. XXXX ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA XXXX ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX ran my credit without my consent or knowledge through XXXX XXXX to obtain a copy. I have called multiple times with reference numbers and kept being told they can not find the application unless I give them my social security number. They can not find the application they ran with the reference number they provided for the report I did not approve or had any knowledge of.
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 : # XXXX, / Account name XXXX XXXX  : # XXXX, Account name XXXX : # XXXX, / Account name XXXX : XXXX XXXX, / Account name XXXX XXXX : # XXXX / Account name XXXX : # XXXX, / Account name XXXX XXXX XXXX  : # XXXX # XXXX Account name : XXXX XXXX  # XXXX XXXX, / Account name XXXX XXXX XXXX : # XXXX XXXX Account name XXXX XXXX  : # XXXX, / Account nameXXXX XXXX  ( Original Creditor : XXXX XXXX ) : # XXXX Account name XXXX XXXX : # XXXX, has violated my rights. 


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

My husband and I opened accounts with suntrust over a year ago. His payroll check was deposited each Wednesday at midnight. We would set payments to disburse that next day. Suntrust would pay the scheduled amounts but charge an overdraft fee for every payment. This left our checking account in the negative on a regular basis. I got a loan to clear the account up and Suntrust continued doing the same and eventually closed our account for an extended overdraft balance of approximately {$1100.00}. We opted out of overdraft protection when we opened the account. We should not have been charged any fees with exception to check payments or ACH payments ; however, most of the fees derived from point of sale transactions and snowballed, causing all transactions to incur a fee. Again, we did not wish for nor elect to participate in overdraft protection. I have gone to the Bank physically and spoken with several bankers, including the branch manager of the XXXX, Georgia location, XXXX XXXX, with no success. I went again and was escalated to an executive team, a representative contacting me by phone once and never hearing back from him. We have added approximately {$10000.00} in overdraft fees that were taken from our account in less than one year. Suntrust has not cooperated with refunding any of the fees to date. Their handling of our funds in contrast to federal banking regulations has caused our credit scores to plummet among many other things.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report a year ago, I found several mistakes that were on my credit. Since these items were obvious fraud or mistakes by the bureaus I hired a credit repair agency to handle the issues on my behalf. It has been close to a year and they have not been able to remove the errors. Someone recommended to me the Consumer Finance Protection Bureau. I hope your company can assist me in getting these fraudulent items removed from my credit report. 

The errors that are reporting on my credit report are from the following companies with whom I have never associated with : XXXX XXXX, XXXX, XXXX XXXX & XXXX XXXX
Product: Checking or savings account

I can not link my robinhood account to my PNC account and this means that I cant access hundreds of dollars
Product: Credit reporting or other personal consumer reports

I submitted a letter to all three Credit reporting agencies regarding an account that is reporting inaccurately on my credit report on XXXX2024. 
The account payment history is inaccurately showing late payments. The account shows a history of on time payments then goes immediately to 120 day late payments, which is not possible or accurate. FCRA states that account are to be reported accurate. 
Experian is also reporting the payment status inaccurately, it should state Paid as agreed. 
Ive included the certified letters that were sent to the Credit Reporting agencies as well as the credit report for the account in question.
Product: Credit card

My ex-spouse requested a divorce resulting in the sale of our home. Upon seeking new housing, I learned that my credit was very low because of cards she had opened without my knowledge and or permission. I contacted Capital One and filed a fraud report on XX/XX/XXXX and closed the account so she could no longer use the cards. That same afternoon, she asked me if I had opened a fraud case on her, and I said, " No. '' Apparently, she received an email or text with the information I provided Capital One that morning. After approximately 10 calls to the Fraud Depart. and Collections to dispute their findings, they still are holding me accountable for those charges. They currently have me on a XXXX plan paying {$35.00} and {$26.00} a month for each card. I filed an Identity Theft Report with the Federal Trade Commission and submitted it to Capital One and XXXX to have the charges dropped and my credit restored so I can seek housing. Capital One asked me to provide evidence that I was XXXX. stating I needed an ID because the phone number and email were not mine ; they were hers and they are STILL holding me accountable. I demand that these charges be dropped and my credit restored. I should not be held accountable for their poor business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX there were 3 credit inquiries on my credit report that I did not authorize Bank of America XXXX XXXX XXXX XXXX XXXX A new credit card application was denied by XXXX ( XXXX XXXX XXXX ) I did not try to open this new account
Product: Debt collection

I received a call this morning, spoke to an agent and advised of the situation and what I needed to validate this debt, we hung up and 42 seconds later, she called me again to collect the debt without the information that I requested. 

I have requested this information from them since they started calling me over 2 years ago and they refuse to provide it stating I need to send them pictures and a receipt for cleaning services I paid for.
Product: Credit reporting or other personal consumer reports

XXXX still put this credit acceptance on my credit report it is settled I don't remember it's been since XXXX XXXX XXXX it was a lemon it could not pass inspection for nothing car broke down on highway tow truck came towed it s aid the engine went oil leaking out no front lights it was a nightmare terrible once the car got to the tow shop he manager said it was a peice of junk lemon do I complaints to XXXX, attorney general office, consumer affairs office they told us to try to get the car back to the dealership XXXX XXXX in XXXX NY XXXX XXXX XXXX used car lot closed down 1 year 3 months after we had the car they we're selling lemon cars drive 1 year until inspection and that when we found out the car lot was scamming customers selling car that were in storms flooded water damaged engine 's credit acceptance said they need to get the car sold so we told the tow man what happened and what we went through with this car lemon he brought it and used the car for parts so he contacted credits acceptance and they agreed on XXXX and I sent a copy of the paid in full letter XXXX credit said that's not proof I want to sue them for damages of XXXX voilated code 15us 1681 code809 code 611 code. 623 code 605
Product: Credit reporting or other personal consumer reports

I am writing to formally address two concerning matters regarding my account with your company. Firstly, I would like to bring to your attention the presence of inaccurate negative items on my account. These items are having a detrimental effect on my credit profile and financial well-being. I urge you to take immediate action to rectify this situation by removing these negative items from my account. 

Secondly, I would like to express my frustration regarding a late open account that has yet to be corrected. Despite my repeated attempts to resolve this issue, it remains unresolved, causing undue stress and inconvenience. I request that you prioritize the correction of this late open account and provide me with regular updates on its progress until it is satisfactorily resolved. 

It is imperative that these matters are addressed promptly and effectively to uphold the standards of integrity and customer service expected of your company. With this, I am asking for your assisstance to remove or correct these items in my credit file : Inaccurate Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX  XXXX Balance {$940.00} XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$610.00} XXXX  XXXX Balance {$2700.00} XXXX XXXX  XXXX **** XXXX {$1700.00} XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX Balance {$4400.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX  XXXX Balance {$940.00} XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$610.00} XXXX  XXXX Balance {$2700.00} XXXX XXXX  XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$4400.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX Balance {$690.00} XXXX  XXXX  XXXX XXXX Balance {$810.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX Balance {$610.00} XXXX  XXXX Balance {$2700.00} XXXX XXXX  XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$4400.00} XXXX XXXX Balance {$2600.00} XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX  XXXX  XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX Balance {$810.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of all accounts related to my credit report that were XXXX under my XXXX XXXX XXXX, which has since been closed. As you may know, creditors are not allowed to report accounts as active or delinquent once they have been XXXX through XXXX. It has come to my attention that the following accounts continue to appear on my credit report, which is a violation of federal XXXX  laws. 
I have provided the list of these accounts below and request their immediate removal from my credit report : XXXX  XXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXXXXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXXXXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXXXXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXXXXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXXXXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXXXXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXX  ( Account No : XXXX ) - Paid, Closed XXXX XXXX XXXX Account XXXX XXXX XXXX ) - Paid, Closed/Never late XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX ) - XXXX through XXXX XXXX XXXX XXXX  ( Account No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account No : XXXX ) - Paid XXXX Closed/Never late These accounts were either included in the XXXX  or were closed appropriately.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$24000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account still showing a a collection on my Credit Reporting Agencies. I negotiated a pay for deletion, however, agency never deleted. Please delete as agreed up and make me whole again. Thanks.