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

Hi so on XX/XX/XXXX I submitted a dispute witht he three credit bureaus XXXX  and XXXX  with a problem report on a missing payment from one of my auto car account and everything was taken care off by XX/XX/XXXX and this two credit bureaus were able to get me back my loss points after the dispute was done and erase the missing payment from my credit. But through experian the dispute was also completed by XX/XX/XXXX but they havent update al my points that I loss like in the others two bureaus. Is there anything that can be done so i can get my credit point back from experian!? I really need it because will be using my credit for a first time home buyer in a few months and really need those points back! 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681C. ( a ) ( XXXX ) 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 crime which antedates the report by more than seven years.

15 U.S.C 1681XXXX ( A ) ( XXXX ) 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 card

I had previously used a 0 % interest check, in which for several months I had abalance, and I did make timely payments. During XX/XX/XXXX that balance was paidin full, ended with a XXXX balance. My XX/XX/XXXX statement shows a startingbalance of XXXX, I made a couple purchase transactions during XX/XX/XXXX, and alsoa partial payment on my account. I should have had an ending balance of {$40.00}, although I was instead charged {$1.00} minimum interest, as I had abalance I was told, even though the credit card agreement clearly states Ican avoid paying interest if I pay for purchases in full during the billing cycle. 
So the way I understand it, I would have until the due date to pay the $ XXXXto avoid interest. It was later explained that their systems calculated interestif the account was " coming off of a 0 % promo '' even though it had been paid infull timely.
Product: Mortgage

I did not receive Notice of Sevice Transfer from Bank of America until 9 days before it is due to changee. I received it yesterday ( XXXX XXXX, 2015 ) even though the Notice Date says XXXX XXXX, 2015. If I am paying a bill through the mail and want to avoid late fees, it is MY responsibility to make sure that I send it in a timeframe which will guarantee it will arrive ON OR BEFORE the date it is due. Why is n't a BANK held to the same standards? Also, I do n't know if it is pertinent, but I am XXXX and they sold my loan to XXXX, a company that has been sued. I never missed a payment, my loan is in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of cases below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Record XXXX of XXXX Case Number : XXXX Case Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I dont believe the status of this account is accurate. This delinquency on my credit report should not be there. I demand proof that they went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report. 

Record XXXX of XXXX Case Number : XXXX Case Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont believe the status of this account is accurate. This delinquency on my credit report should not be there. I demand proof that they went through all the proper and logical steps that would have been necessary to validate or refute my dispute. Please provide me with all instruments used to report this account on my credit report. If your agency is unable to do so, I demand that this account be removed from my credit report. 

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: Vehicle loan or lease

My account got paid in full and because of COVID I was initially having a hard time. Every time I would call BMW they would tell me not to worry nothing will get reported to my credit bureau. I always checked with different representatives regarding this issue. After I paid my entire balance off BMW decided to report to CRA that I was late. This is misleading information and this should have never been reported to the bureau because I have always been on time. As of XXXX it is reporting 90 days past due. I paid the balance off spoke to representative and they advised not to worry
Product: Debt collection

XXXX XXXX RANDOMLY SENT A BILL TO COLLECTIONS IN XXXX CLAIMING IT WAS MINE. I NEVER HEARD FROM THIS COMPANY EVER PRIOR TO THIS. I CALLED XXXXXXXX XXXX AND THEY CONFIRMED THEY NEVER SENT ME ANY COMMUNICATION PRIOR TO THIS. THEY ARE CLAIMING THIS DEBT IS FROM XXXX IN WHICH I HAVE NO KNOWLEDGE OF THIS DEBT OR ANY ATTEMPTS TO COLLECT. THIS COMPANY FAILED TO PROVIDE PROPER NOTICE OF THIS DEBT AND MY RIGHTS TO DISPUTE BEFORE IT WENT TO COLLECTIONS. THEY CLAIM I OWE THEM {$450.00} WHICH IS FALSE. THIS COMPANY IS DAMAGING MY REPUTATION AND HAS MASSIVELY CAUSED ME HARM. THIS BILL WAS WRONGLY SENT TO COLLECTIONS IN MY NAME AND I WANT THIS REMOVED IMMEDIATELY. I WOULD LIKE THIS REMOVED FROM MY XXXX AND XXXX CREDIT REPORTS IMMEDIATELY. I WILL CONTINUE TO PURSUE LEGAL AVENUES AT ALL COSTS TO STOP THIS COMPANY FROM RUINING MY NAME AND BREAKING THE FCRA. I HAVE THE RIGHT TO A FAIR AND ACCURATE CREDIT REPORT AND THIS COMPANY IS FALSELY REPORTING. 

I HAVE DISPUTED THIS WITH THE CREDIT BUREAUS AND I HAVE TALKED TO NATIONAL GRID DIRECTLY. I WANT THIS REMOVED!
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I apply for my free annual credit report with Equifax, I get the same response ... 

" Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. '' ... with instruction on how to obtain the credit report by mail. 

What's the point of applying online if I get the same run-around every year. XXXX  and XXXX provide a report online. What's Equifax 's problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting a debt on my credit file that I no longer owe. I recently looked at my credit and noticed this debt reporting for {$1400.00}. I called and immediately settled this debt. I was under the impression that I had paid this account and closed it. However, recently looking at my account I noticed that there was a debt, I was never notified, given any calls or letters. This violates my 30 day right to dispute and is a violation under the FCRA.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$28000.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRIES NOT AUTHORIZED BY ME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX  XXXX 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am attaching police report and from AG
Product: Credit card or prepaid card

Today XX/XX/XXXX I was notified that a Capital One Affiliated Credit Card Account had been closed, causing my credit score to drop XXXX POINTS from XXXX - XXXX. The name of the account is KOHLS Department Store account with a credit limit of {$2000.00}. When I contacted Kohls, it was due to inactivity. It is their policy to close store accounts for inactivity within 36 months. However, I have used my account within 36 months. Kohls has not issued a new card since the old one expired, and I have accessed my account by using my drivers license at the point of sale register and social security number. I requested a call back from the supervisor, and within the hour, a supervisor called and CONFIRMED that there was activity on XX/XX/XXXX, within the 36 month time frame, a payment of {$17.00}. But they have no PURCHASE INFORMATION BUT A PAYMENT INFORMATION!!! WHen asked, if you have a payment, then there must have been a purchase. I think the payment system is recording differently for card usage and when you access the account using the drivers license. When I asked, so why was my account closed, the supervisor identified as XXXX for Kohls, had NO EXPLANATION and stated there was nothing else she could do and even if the account wad closed in error it could not be reopened. XXXX, XXXX supervisor called and reiterated the same. The only other recourse was to reapply, which would cause a hard inquiry on my credit score, causing my credit score to drop even further. 

Closed Kohls account # XXXX This is no coincidence. 

Less than six weeks ago, Capital One, the bank which is affiliated with Kohls, I made complaints XXXX and XXXX, in which they had to remove negative information off of my credit report and retaliated by putting negative and unwarranted information when I voluntarily closed the credit account. I do not believe in coincidence that a Capital One affiliated card would just arbitrarily close an account for no reason, in violation of their own policy of no activity within 36 months, causing negative reporting on a credit score and then forcing me to reapply to the store, which would then cause a hard inquiry on my credit score, dropping it even further. 

It is XX/XX/XXXX and NOTHING HAS BEEN SUBMITTED IN WRITTING REGARDING THE CLOSING OF THE ACCOUNT. I HAD TO RESEARCH THIS INFORMATION ON MY OWN. THIS ACCOUNT WAS CLOSED ON XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX 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. XXXX XXXX XXXX XXXX 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: Debt collection

I disputed the invalidated, inaccurate information with XXXX regarding the negative account and the information that this company continuously report on my credit file. I have sent them a certified letter requesting validation of this debt/information once I was aware of what they were reporting and the negative, inaccurate information. These accounts was paid by insurance before collections and they continuously state that it is not. I contacted the original creditor and they also do n't know what exactly this credit agency is trying to collect.
Product: Credit card

Capitaol One bank USA shows a 30 day late in XXXX 2014. I show two payments made in XXXX 2014. One on XXXX XXXX, and the other on XXXX 2014. Please advise. Thank you in advance for your cooperation
Product: Prepaid card

Received debit card in the mail from XXXX XXXX that I did not apply for
Product: Credit reporting, credit repair services, or other personal consumer reports

are reporting inaccurate information effecting me from getting a job that less to me stressing and lack of sleep mental breakdowns
Product: Payday loan, title loan, or personal loan

I took out a money lion {$500.00} loan in which they force you to be a money lion plus member which takes XXXX out of each pay check and puts that into an investment account. Once you have paid the loan off you are able to cancel the money lion plus account and decide what you want to do with your investment account. I paid the money lion loan off in XXXX, canceled my plus account, liquidated my investment account and they were going to deposit the proceeds from it in my XXXX XXXX account. The sum of $ XXXX. The issue is I have now called them 3 times to figure out where my funds have went. They claim to have sent the payment via ACH on XX/XX/XXXX and say it should be deposited. I have verified the bank account number they sent it to as well as the routing number the last 2 times I called which includes today. They state they don't know where they money is now. They need to deposit my money immediately.
Product: Bank account or service

I received a revised XXXX form from an online banking company earlier this year. It said the income they had said I earned in 2014 was not correct ; that they had made a mistake and I actually earned {$19.00} less than what was originally stated. I contacted them, and was assured this was not a mistake. In order to make my 2014 tax revision, I have had to gather online banking and credit card statements, as well as invoices from an online auction company I sell items through. This has led me to find MAJOR discrepencies in the accounting of these accounts ; recurring payments have been omitted, charges I did not make are on my statements and transaction records, and my invoices have been altered by hand, and are not in the correct document format. I have contacted all of these institutions, to no avail -they all assert that no fraud has occurred. My bank also issued a " standard '' form letter to me, saying, in part, that because I made regular payments, there was no fraud. Please advise me on this most distressing matter.
Product: Debt collection

I am deeply frustrated and concerned about the ongoing issues I'm facing with National Credit System. Despite my repeated efforts, including sending multiple letters and a validation letter, they have continuously failed to respond. Yet, they persist in reporting to XXXX, XXXX, and XXXX, which I believe is a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 regarding the Validation of Debts.

Furthermore, the amount they are attempting to collect is higher than what is allegedly owed, adding to the gravity of the situation. In a recorded phone conversation with National Credit System, they claimed to have been hired by the original creditor. However, when I requested information about this creditor, which they are legally obligated to provide, they stated they didn't have it. This lack of transparency is not only deceptive but also unfair, falling squarely under the Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ). 

Their statement that even if the original creditor accepts payment and I settle the debt with them, they would not remove the entry from my credit report is another point of contention. This stance is not just unfair and deceptive ; it's outright abusive and goes against the principles of honesty and transparency that should govern their operations. The entire situation is causing me significant distress and is a major concern that needs to be addressed immediately.
Product: Vehicle loan or lease

On XX/XX/XXXX my partner and I went into XXXX XXXX and purchased a used car. They let us leave with it. I started calling XXXX about a week later asking about the tags, heard nothing back. Started calling and messaging two weeks later and they said the loan might now have gone through yet didnt give an option to bring the car back. I was asking for answers and explanations. Then on XX/XX/XXXX I went up to the XXXX dealership, again not offering any solution other than telling me that I had to sign the contracts alone because of my co-signer. This was almost a month apart due to credit and the loan. I even had mentioned bringing the car back and that was skipped over as if it wasnt a possibility. Circumstances have changed and I can not solely afford the car by myself and my partner and I split up. I have called the back, PNC, multiple times explaining the situation and asking for a loan extension or some sort of reprieve. I was originally supposed to be signing for my credit and my partner was the one providing pay stubs and pay for it. The bank has refused to work with me after wanting to speak to a manger I was told it could take up to theee days just to get a callback. I am appalled at how both companies have conducted themselves and the more I look for answers to keep my credit in tact and figure this out, the deeper in the hole I go with no solution of how to get out.
Product: Bank account or service

I have had several bank accounts with XXXX XXXX XXXX and Suntrust Bank, I am on XXXX so things are tight for me and I get overdrafts sometimes. I get my check once a month, they would sometimes not pay something or let go through just to apply XXXX or XXXX overdraft charges, you get a overdraft charge of XXXX, a nsf fee of XXXX and an extended overdraft charge fee once a week for as long as overdrafted. The accounts become overdrafted and you ca n't pay back so they close the account, and show overdrafted your checking and your savings, they have yet to explain to me how you overdraft a savings account. The savings account is to help keep from overdrafts if you have money in it. Once the account is closed the negativity is showing in both savings and checking and when go to pay it they make you pay the savings and checking so you pay twice for the overdraft fees and whatever is paid through the checking account. The savings account should not go into negative as there is nothing taken out of it. I do n't think it is right to have to pay XXXX accounts when only the checking account has over drafts and payments coming out of it.
Product: Checking or savings account

PNC is not allowing it's customers access to link their banking account with online services. In my particular case, I attempted to link my PNC checking account with the well known investment service " XXXX '' only to be met with an error. The error being that PNC is not allowing customers access to their own money via trusted third party applications. As a PNC customer I should have the right to link my account voluntarily with financial services that could stand to benefit me. This is my own money in which I have earned. It is not fair to their customers to prevent them access to their own accounts when larger banks such as XXXX XXXX or XXXX  XXXX XXXX customers do not have these issues. This policy only stands to inconvenience their own customers and I believe I will be looking to bank elsewhere because of it.
Product: Checking or savings account

We reported our Truist ATM card being stolen and a charge placed on the card and opened a case with Truist. The money stolen was put back into our account. We were supposed to receive a form in the mail to finalize the complaint, which never came. We then received a letter from Truist indicating that our case was closed since they never received the form. I called Truist again and let them know we never received the form and they indicated we would receive this form in 10 days. Another three weeks or so have passed and still no form has arrived. This morning we spoke with Truist and they said they would be sending a form out in 10 days.
Product: Credit card or prepaid card

Discover is advertising their student credit card as " NO CREDIT REQUIRED '' once I have submitted application I have ended up getting a hard inquiry. It's a false advertisement!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus last XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX ) ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

Submitted a payroll payment from XXXX XXXX bank via payroll processor XXXX on XXXX. Our contractor informed us that he didnt receive the payroll payment days later after the processing period had passed. Due to this, we had our contractor who was the intended recipient reach out to his banking institution which is E-trade to get the status. It appears that E-trade deposited the money into the wrong account which didnt belong to our contractor however another E-trade account. The contractor called E-trade and they told him that they can not reverse the funds and that they would have to reach out to the account owner to notify them of the error. After weeks, e-trade finally told the contractor that they can not move the funds and to call XXXX XXXX which is the banking institution that it was drafted from. 

I then contacted XXXX XXXX ( my XXXX bank ) and opened a claim with them to have the funds reversed from e-trade. XXXX XXXX said they claim would take up to 10 business days and after which time I was informed that they was not able to retrieve the funds.

E-trade has neglected to follow proper business practices which subsequently has resulted in the funds never being deposited into the correct account. I would like this investigated ASAP so that we can receive the {$1200.00} that was deposited into the wrong account at E-trade.