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

I told Experian, XXXX, and XXXX to reinvestigate these accounts. XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX 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 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 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 my 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.
Product: Checking or savings account

On Saturday XX/XX/year> I made a mobile deposit with a check from the United States treasury. ( That is my daughters XXXX with both her name and my name, as well as both of our names on the checking account. ) I reached out to customer service to speak with a supervisor to ask some questions about the mobile deposit and was told I would have to wait 5 to 10 business days to get a call back from a supervisor. At XXXX Axos sent an email stating that the check was rejected. And now Im not able to cash it at the check cashing because in the back of the check I was told I had to write for mobile deposit only. So I was told by the check cashing place that I have to wait another 7 business days. Then Axos sends me a message on the Axos app at XXXX stating that the check was accepted, but I checked my account and there is absolutely nothing pending. And there has yet to be a supervisor to give me a call back to confirm or assist in the issue
Product: Vehicle loan or lease

I paid two payments on my truck loan that have been lost by the bank. See the uploaded documents for full details.
Product: Mortgage

XXXX XXXX XXXX sold our mortgage to Carrington in XXXX 2015. We received a cancellation notice from our homeowners insurance stating that the invoice they mailed to Carrington has gone unpaid! What are they doing with my money? Stealing it from us! My husband tried to reach a customer service rep at Carrington today to resolve the issue, and he was on hold for over 15 minutes and did n't get the opportunity to speak with anyone. We have a VA loan and this is how they treat military personnel.
Product: Debt collection

sent 2 certified letters requesting verification such as the original agreement with my signature, payment history, age of debt, and original owner of the XXXX XXXX. Sent XX/XX/scrub>XXXX again XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair credit reporting act XXXX account XXXX  has violated my rights 15 u. s 1681 section 602 A states that I have the right to privacy 15 u s 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Account Number Verification XXXX XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX XXXXXXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXXXXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account
Product: Credit reporting or other personal consumer reports

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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

When my mom passed away in 2014, I had to travel to XXXX. I had left some family members in my home to watch over my children not thinking otherwise with our bedroom open and all of my credit cards in one of my bags. One of them ended up using my credit card, basically stealing thousands from me. I reported it to discover but it was too late. We managed to lower the payment from a little over {$9000.00} to {$4500.00}. As I was ready to make the payment, they told me they will not accept the payment and that they have filed a 1099-C.
Product: Credit card or prepaid card

I have credit card account at Kohls.
I made online purchase of XXXX  on XX/XX/XXXX and never received any bill or payment reminder for this balance.top of that, I am struggling to schedule auto pay for this account from last couple of years. every time when I call for auto pay assistance, they say it 's under payment option when you go online. I ca n't find any auto pay option. find attached file for all payment option.
In addition, they charged {$15.00} late fee in XX/XX/XXXX and reported my account to credit bureau. They should have at least inform me before reporting to credit bureau. Moreover, they charge {$37.00} again in XX/XX/XXXX as late fee.
so basically my balance is as of now around {$81.00} with all fees where my original purchase amount is only {$26.00}. Associate was very rude while talking and when I ask about the reminder they said you are responsible for the balance and we did contacted you in other form. I do not have any other contact channel.
Product: Student loan

I have Navient formally XXXX and been paying on it since XX/XX/2005. It has not gone down any, I feel the interest I am being charged is not fair and I am not able to make the payments because of this, causing me to default. Please help me! It is ruining my credit. I want to pay back my debt but I am struggling for so many years!!! I keep having to do a forbearance. My monthly payments are killing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has refused to correct the inaccurate information that has caused me to be denied from refinancing my home with XXXX & obtaining a personal loan with XXXX XXXX XXXX XXXX. I have sent numerous dated certified letters to XXXX  as well as FirstPoint Collections Resources Inc. ( who is the debt collection company ) that placed this inaccurate statement on my report. These two entities have reluctantly taken over 45 days to respond to me as well as provide any verification that a debt is owed especially since this is considered a medical debt and now refuse to investigate and respond back to me regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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

XXXX XXXX XXXX closed my credit card and charge it off on they behalf as i read on the irs website that if a company charge off it is consider my debt as paid and full because the company have written it off
Product: Credit card or prepaid card

I received a credit card in the mail from Synchrony Financial located in XXXX FL. The account was opened on XX/XX/18 without my knowledge or consent. It appears on my credit report from all 3 reporting agencies and includes a hard inquiry from the same company. I neither applied for or authorized the inquiry or the opening of the account. I have contacted Synchrony Financial and it has not been closed or removed from my credit reports. The company would not say who applied for the credit card and I suspect they did this on their own without permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

in according to the fair credit act XXXX 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 XXXXXXXX XXXX XXXX Has violated my rights.15 usc 1681 section A states i hava a rights to privacy.Also 15 usc 601 section 604 section A 2 it also states a concomer reporter agency can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

I Dont recognize these accounts, another person use these accounts, please remove these accounts from my credit report XXXX - Account XXXX XXXX XXXX XXXX - Account # XXXX
Product: Credit card or prepaid card

So there was over XXXX $ and then XXXX the second time while I was trying to secure my account with bank of America prepaid claims department. 
Claim status. XXXX and XXXX they were from back in the months of XXXX and XXXX.
Product: Debt collection

XXXX XXXX  bank called me on XXXX XXXX and on XX/XX/XXXX. I haven't heard from them in two years and now they put the debt back on my credit report again when they took it off my credit report back in the year 2020. They are going to repeatedly call me just like they did in 2020. My credit score dropped dramatically because of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference : Removal of late payment ... over 7 years I called the XXXX- No Answer or response I called and email a letter to XXXX XXXX  XXXX- the updated the report- but did not remove the Negative status and its been over 7 years.

I called and emailed Mr. Cooper/NationStar Mortgage- they acknowledge the length of time and stated I should expect a letter removing the negative report from my credit report. As of today, I still haven't seen a letter.
Product: Credit card or prepaid card

My XXXX XXXX XXXX son received a NetSpend prepaid debit card. I 'm not certain how this ended up being mailed to him. He is not able to enter into a contract and should not have been issued a card. 

I contacted Netspend on X/XX/2017. The automated voice system does not give the consumer an option to speak with a live representative. If you select cancel the card as your phone option, you are placed on what seems to be an unending hold. 

I want this card removed from their system. I do not want my XXXX XXXX XXXX son 's information sold to other companies any purpose. The company should not be contacting minors in an effort to solicit their business and get them hooked on prepaid cards. This never should have happened without my direct authorization. 

Sending a card to a minor is egregious behavior. 

Netspend. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TXXXXX This should not be permitted to happen to my child nor anyone else 's child. 

Netspend should stop marketing to and soliciting of minors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a claim with the cfpb against XXXX XXXX XXXX XXXX XXXX in 2020, XXXX XXXX XXXX XXXX XXXX is reporting a debt that doens't belong to me and it furnished an address to my credit report that doesn't belong to me. I filed a identity theft report and the information was never blocked from reporting on my credit report, which is a violation. I am requesting that these items be removed from my credit report immediately. attatched is the documentation that should support my claim. I am having difficulty applying for a mortgage because of this fraud account that still reporting on my credit report. XXXX  and XXXX  has already removed this item from my credit file and I am waiting for equifax and XXXX XXXX XXXX XXXX XXXX to do the same.
Product: Debt collection

I have sent two certified mail to med-1 solution requesting Debt validation without respond. Signed prove of delivery is attached. In regards to Med-1 response to my previous compliant, we did contact the court. They must verify the debt that they are collecting on if requested, and we have not received that. Or they must have prove that they sent this information out previously. Collection should be stopped until this information is sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX . XXXX # XXXX XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify  these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account and items Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Not my name XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX, CA XXXX Not my address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Not my address * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Debt collection

XXXX XXXX-I found Bull City Financial Solutions reported derogatory remarks to the my credit report on all three major Credit Bureaus XXXX XXXX, XXXX and XXXX. 

XX/XX/XXXX, XXXX sent a Validation Letter to Bull City Financial Solutions Inc via certified mail to ask for information to help me validate that the debt was actually mine and that I owed that debt and or VALIDATION BE IN THE FORM OF A NOTARIZED STATEMENT BY A PERSON WITH THE ORIGINAL KNOWLEDGE OF THE DEBT AS IT WAS CONSTITUTED AND WHO CAN TESTIFY THAT THE DEBT WAS INCURRED LEGALLY.

.

Bull City Financial Solutions Inc did not send the requested information asked for in my previous Validation Letter. 

XXXX XXXX Instead Bull City Financial Solutions sent a piece of paper with some addresses and names and insurance information, some creditor information on it. There is also some medical information showing for XXXX XXXXXXXX and XXXXXXXX XXXX XXXX  showing on the back of one of the documents they sent to me which is against HIPPA laws . ( This was not what I asked for nor did it prove or validate any debt. ) Upon my own investigations I found that Bull City Financial Solutions Inc is not licensed in the state of Oklahoma to collect debts which means they need to cease and desist all actions in reporting false debts to my credit reports.

Bull City Financial Solutions Inc will not show proof or any validation of the debt they claim I owe.

According to the FDCPA Bull City Financial Solutions Inc is in violation of the law.
Product: Vehicle loan or lease

Re : Santander / Chrysler Capital double billing Over XXXX callers were waiting for an agent when I called Chrysler customer service, XXXX, XX/XX/XXXXXXXX  I made 2 payments in XX/XX/XXXX using my XXXX debit card. Each payment was in the amount of {$460.00}. I also made a {$460.00} payment on XX/XX/XXXXXXXX XXXX using the same XXXX debit card. The first payment was processed on XX/XX/XXXX. The second payment was processed on XX/XX/XXXX XXXX XXXX The XX/XX/XXXX payment was also processed by my bank. The XXXX bank statement shows both XXXX payments posted and no payments were returned. I am waiting for the XXXX bank statement. 

Santander / Chrysler Capital insists that the XX/XX/XXXX payment was returned. 

On XX/XX/XXXXXXXX  I submitted my bank statement for XX/XX/XXXX. No payments were returned. 

Santander /Chrysler Captial has not applied all of my payments and is attempting to double bill me, a practice Santander has been sued for in the past. 

The call requesting the bank statements on XX/XX/XXXX with a supervisor has a recording ID # XXXX. I faxed the XX/XX/XXXX bank statement to XXXX ( see attached ). 

The supervisor ID # XXXX stated I made a payment on XX/XX/XXXXXXXX XXXX XXXX which I didn't. Each time I call them, they say I missed a different date of payment. Then the supervisor said all the payments will be posted next week. And that I am current. This was after I told him I am contacting the CFPB. 

My Chrysler Capital account has not been updated online. And I don't know why they are trying to double-bill me. I do not believe them because every day I call, a Santander/Chrysler Captial representative changes the dates of the missed payment. 

Kindly assist. 

Thank you, XXXX XXXX Please help me, XXXX XXXX
Product: Credit card

When I initially set-up automatic payments for this credit card, I did not realize but I had fraud on the payment bank account which blocked all ACH debits so when Bank of America went to receive money for my bill, the payment was blocked as fraud by my bank. I fixed this issue on my end, unblocking payment to Bank of America. 

However, on their end I have not been able to set up automatic payments in their system for almost a year and have had to call to make a payment before my due date every month. I would like to schedule automatic payments like I do with all of my bills and other credit card bills and have called them FOUR times, spending at least an hour each time trying to resolve this issue of not being able to schedule payment ahead of time or even pay through their site. Each time a friendly customer service agent assures me they have fixed the issue and I will be able to pay through the website or schedule a payment and neither is true, if I want to pay my bill, I can not use the app or the website either one time or to set up automatic payments, I have to call to make a payment. The last time I called the representative said she could see that I had called other times, so proof of the time and effort I have spent calling them should be in their system! I have zero faith they will resolve this if I call again after four attempts that is why I am reaching out to you. 

This is not acceptable, I am not being afforded the same services as their other customers and as what happened last month, when I was very busy, I forgot to call in on time and my payment was late.
Product: Payday loan, title loan, or personal loan

I was checking rates for a XXXX loan/unsecured and inadvertently applied for a loan. I checked again to see a different term length and another application was created. Therefore, I had XXXX applications with Pen Fed. I received multiple marketing calls, emails and texts regarding these XXXX applications. I created these applications on XX/XX/XXXX. On XX/XX/XXXX ; I decided to pursue XXXX of the loan applications. I was denied on application # XXXX so I tried application # XXXX and was denied. So I called Pen Fed about the denial and was told I was denied because the date of the was more than 10 days so go ahead and apply again ( attempt # XXXX ) ; I was denied right away. I called Pen Fed back again and was told it should not have been denied and it was because it was my browser that I should use chrome. Now Pen Fed can't tell me why they denied me. I suspect some type of bait and switch deal going on here. They say they " think '' its because of XXXX ratio but that is doubtful based on my income vs. debts -- -highly doubtful. My fico is XXXX and credit is excellent. 
I need assistance because now I have XXXX credit denials on XXXX inquiry -- -two of those were made at the sole recommendation of Pen Fed staff. I don't trust Pen Fed to assist me. I need the assistance of your bureau.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX BANK XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : Bankruptcy # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 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.