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

Under the laws of UCC article 9 as well as State statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time were adhered to. the creditor did not follow the proper procedures and failed to notify me of anything concerning this appropriately. My rights have been violated.

also, My gap insurance covered this auto loan in full. This violates the Fair Credit Reporting Act 15 U.S.C.1681Ba3 ( C ) furnishing reports in connections with creditor insurance transactions that are not initiated by consumer.

I have also asked for a purchase order agreement between the debt collector and the original creditor. I have asked for this alleged debt to be validate and verified with other documentation and i received nothing. and these credit reporting agencies are reporting this information to my credit report without being provided any verifiable proof or documentation requested and in question and this is a violation i am demanding a swift deletion and i trust that the CFPB will investigate and address these infractions.
Product: Credit reporting or other personal consumer reports

I have checked my credit report, and I have discovered fraudulent hard inquiries, these hard inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete this hard inquiries from my credit report
Product: Debt collection

Claim I owe on a payday loan from 10+ years ago in XXXX The collection agency is XXXX  ( XXXX ) XXXX and have this number calling me multiple times a day ( XXXX ) XXXX
Product: Credit card

Formally requesting for the XXXX pay for my account # XXXX, be removed. For some reason UpGrade does NOT allow its customers to manage the autopay online. 
I know they will say it's for security reasons but we all know it is not. 
Many times I like to make payments early for various reasons, but can not cancel the autopay. 
Therefore, I want to make sure there is proper documentation that I have made this request. 
Email Address for this account is : XXXX XXXX
Product: Debt collection

I moved out XXXX, located at XXXX on XX/XX/XXXX. I was subsequently notified of resulting move out charges in the amount of {$1000.00} via mail on or about XX/XX/XXXX at my new address in XXXX ( See annex A ). I was not notified of these charges at anytime prior to this date either orally or in writing. The notice stated I had 30 days from the move out date to remit payment which I did on XX/XX/XXXX ( see Annex B ) However, XXXX XXXX had already referred my account to a debt collection agency, Hunter Warfield prior to the XX/XX/XXXX deadline ( see Annex C ). The amount paid was in the value of {$1000.00} as a {$64.00} is currently in dispute with XXXX XXXX XXXX.I currently in discussions with XXXX XXXX XXXX in regards to the remaining {$64.00} but the company has yet to return my calls. I have notified both companies in writing of my payment of this debt and my intend to fill a complaint.
Product: Checking or savings account

I am writing to follow up on the dispute regarding the {$120.00} charge from XXXX XXXX by XXXX XXXX XXXX. Chase representatives have informed me that the charge is valid based on information provided by the hotel. However, when I contacted the hotel directly, the manager, XXXX, stated that the charge was unauthorized and should not have been applied. 

To resolve this matter, I kindly request documentation or proof of the specific information the hotel provided to Chase that determined the charge is valid. This includes any correspondence, statements, or evidence submitted by the hotel to support the charge. 

I believe there is a discrepancy between what the hotel communicated to Chase and what I was told directly by the hotel manager. Providing this information will help clarify the situation and allow me to take the necessary steps to address the matter. 

Thank you for your assistance. I look forward to your response. 

This all has taken place on XX/XX/year> - XX/XX/year> 2024
Product: Checking or savings account

There are 6 transactions on my account from cash app that are fraudulent.. I contacted Wells Fargo after trying to speak to cash app for days and getting nowhere.. Wells Fargo submitted and declined my claim and when I called to get help, they wouldnt listen and said they cant refill it and I am out of XXXX I am a student and I cant afford this fraudulent transactions to ruin my life. Please help
Product: Credit reporting or other personal consumer reports

I kindly request the immediate removal of unauthorized inquiries related to identity theft from my credit report. According to FTC laws, I have the right to a 4-day removal process or such issues. I request swift action to rectify this matter. Thank You! XXXX XXXX XXXX
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 : AXXXX 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 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

Equifax is reporting a Public Record that do not belong to me. I have made many attempts to get this situation rectified. I need your help in getting this Public Record removed from my credit profile.

Also, there the XXXX XXXX XXXX address do not now nor in the past belong to me. Please remove this address from my credit profile.
Product: Debt collection

ask for the company to validate the debt and that the account was a charge-off account in the amount of XXXX.
Product: Consumer Loan

I applied for auto financing and they advertised a 0 % for 72 month loan and when I applied they refused to give me the rate even though I had good credit. I asked for information of the qualifications and was refused the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry details on my account, Please remove this. Thank you! 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I have recently obtained a copy of my XXXX  credit report. It showed a credit inquiry by your company that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my Home loan application and making it very difficult for me to acquire credit I have sent this letter through certified mail in as much as I need your prompt response to this issue. Please be so kind as to forward documentation that you have already had the unauthorized inquiry removed. 

However. should you find that I am remiss and that you did have my authorization to inquire into my credit report then please send me proof of this fact Thank you very much.
Product: Debt collection

I called off a mark on my credit report. The recording said it was a collection agency and that calls are recorded. When the collector XXXX got on the phone she asked a couple verification questions and told me calls are recorded and it is an attempt to collect a debt. Not one time was I given the full XXXX XXXX This is an attempt to collect a debt any information obtained will be used solely for that purpose. I advised the collector XXXX that she had broke FDCPA by not giving me the entire XXXX XXXX she said she did. I disagreed with her and hung up. I then waited a couple of hours and called to talk to a manager that told me because I knew I was calling a collection agency she didn't have to give the full XXXX  XXXX  I advised on first contact you have to or in violation. She said they mailed a letter and that was first contract. I told her I had never spoken with anyone prior to today and never received a letter she claims it is not first contact. Obviously I disagree
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. 

XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts : 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I dispute this debit and ask for validation 4 times and they keep saying I owe them money {$4500.00}. this is not my debit. I don't know this company and I don't have a sign contract with this company.
Product: Mortgage

I can not create an account to pay my mortgage I had an account, and suddenly I could not access the account I have called multiple times between XX/XX/XXXX and XX/XX/XXXX. 
I was told multiple times by the company that the issue was resolved and it is not Their website will not allow me to create an account to pay my mortgage and I do not believe the company is being honest I have been told many times I would be contacted within 48 hours, and not a single time did this occur, I have had to take the initiative to call back every single time I have been told trouble tickets have been submitted, only later to be told by another Representative there is not trouble ticket I have all of these conversations recorded and dated I am attaching the error I always receive after going through the process of creating an account Also, a lower priority, but their website has many issues. 
For example. and you can look at XXXX XXXX XXXXXXXX, you have to perform the captcha 4 to 10 times for it to work correctly This website prevents people from getting information on their loans and paying them by not working correctly
Product: Checking or savings account

XX/XX/year> my rent payment drafted {$1800.00} leaving me with XXXX XXXX XXXX XXXX XXXXXX/XX/year> they returned my rent payment of {$1800.00} leaving my account balance of {$1800.00}. This cost me money and accrued me {$120.00} in fees from my landlord. 

I called Bank of America and was told if I submitted an invoice they would look into reimbursing me, when I called again to submit said invoice, I was told I was misinformed and my account did have insufficient funds and they would not be reimbursing me. 

Bank of America is returning payment because theyre too scared to charge over draft fees since they were fined.
Product: Mortgage

The servicing was transferred from XXXX XXXX to specialized loan servicing XX/XX/2019, their billing was false I informed them but they refused to correct or address the issues : they made adjustments to the account when I asked why they would not tell me, they kept the adjustments concealed for 9 months
Product: Debt collection

XXXX XXXX my identity was stolen by Sequium Asset Solutions. I was informed that if i did not owe the debt to submit a dispute which they only allow you to submit online. instead of ending communication they used my electronic dispute as way to continue unlawful communication with me. this debt is not my debt and i have no knowledge of any transaction or contracts with this creditor. An identity theft report has been made and sent to them via certified mail.
Product: Checking or savings account

I recently opened a " high-yield '' investor checking account with Charles Schwab Bank expecting `` high-yield '' interest rates currently between 4.0-5.0 %. However, after opening the account, I noticed my interest rate to only be 0.45 %. When I called the bank, the representative I spoke to admitted that this was misleading and that they have since changed the name of this account to " investor '' checking. This is flagrant false advertising and fraudulent behavior. This bank should be investigated for false advertising!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$540.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.
Product: Credit card or prepaid card

I had a group of invalid transactions for which the merchant owed me full refund. Capital one recovered these amounts through the Visa Dispute process, and the disputes have been fully resolved as of XX/XX/2021. After the credits were fully resolved, my account has a credit balance of XXXX. On XX/XX/2021 the credit balance was XXXX  from my account to be mailed back for the credit balance refund. This refund was never received and was supposedly pending for approval to assure the dispute cases were fully expired. This has been pending since for 6 months, and still as of today the my credit balance refund has not been received. I called multiple times, and all Im continuously told is that I need to wait 30 days. At one point Capital One has suggested for a faster resolution to go directly to the merchant. However, the merchant has confirmed that all these chargebacks were already processed 7 months ago and they wont refund me again after all these were already credited to the capital one account.
Product: Credit card

My recent experience with PNC : I've had this credit card with them since XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), have multiple accounts with them and a lot of money in and out of there - business and personal accounts, checking, personal loan, etc. 

They cancelled it without warning - I only found out because it was declined at a store. I had a {$1000.00} limit on the card and a balance of {$0.00}. The credit report indicates it was closed XXXX XXXX XXXX. I called yesterday and was told they couldn't tell me why it was cancelled but it was likely due to inactivity. I last used and paid off the balance in XX/XX/XXXX and have not used it since. It's currently XX/XX/XXXX and I haven't received a letter. I've made multiple calls, my complaint was sent to escalation ( with a 24-48 call-back guaranteed ) on XX/XX/XXXX and was called back within hours saying they would not reopen the account. 

There is no record of a document being provided to me in my account history and now I have no access to past statements to verify their records are correct.
Product: Consumer Loan

XXXX XXXX XXXX, acct XXXX .... I submitted documentation to XXXX, and XXXX. I have sent certified mail via USPS to address on file with XXXX and creditor, XXXX XXXX REFUSED deliver usps tracking number XXXX. I then asked XXXX, and XXXX to delete item from my credit report as unverifiable, but XXXX, and XXXX has refused to take documentation that I supplied to delete and XXXX refuses any correspondence from my attorneys or myself. I do not owe this creditor. The creditor is unwilling to verify any balances with me nor accept any correspondence from me attempting to do so. I also supplied the XXXX-credit bureaus with a letter from my attorney demanding that XXXX XXXX remove all negative reporting until we are able to verify account, but none of the complied. Additionally, I asked that each bureau provide me with how they are obtaining this verification from creditor and that too has been denied. This creditor updates my information randomly with inaccurate information effecting my daily credit scores. Most recently creditor updated my XXXX file on XXXX/XXXX/2016 that I owed {$8500.00} an additional amount after verifying I supposedly owed {$8400.00} on XXXX/XXXX/2016 and XXXX on XXXX/XXXX/2016 ; updated my XXXX file that I owed {$4600.00} on report XXXX dated XXXX XXXX, 2016. This creditor is intentionally trying to destroy my credit by updating false information and XXXX is an accomplice to the act by refusing to accept my documentation that the debt does not exist or remove it until company is willing to provide documentation. 
This creditor is using reporting laws to illegally affect my credit and the credit bureaus are ignoring the reporting laws to assist this company in its illegal act.
Product: Credit card or prepaid card

Last XXXX my mom used my capital one venture card referral link to open a card since I would get a {$500.00} referral bonus. On their referral fine prints, it reads that it takes up to 8 weeks for a referral bonus to hit my account. Ive contacted capital one several times since its been past the 8 weeks and they just give me the run around and tell me theres nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX XXXX i commenced a dispute of the contract between me and XXXX XXXX XXXX Via an inquiry directly with said company At which point I was under the impression that negative reporting would cease for 30 or at least until There was proper validation of the obligation however Experian and XXXX immediately reported negative information during this time and they refuse to rectify this mistake after I have reached out to both of them and provided all pertinent documentation of this dispute. XXXX is also refusing to amend the report after several request
Product: Credit reporting or other personal consumer reports

Bank XXXX XXXX XX/XX/2023 Bank XXXX XXXX XX/XX/2023 Bank XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union ( NFCU ) Stated that I exceeded by credit limit and the balance carried over to next bill. This is not true. I always pay my credit card off every month as I did a week ago. During the pay off last week, I had a credit card fraud, so NFCU cancelled my credit card and issued me another credit card. During this transition somehow it showed I exceeded my credit limit and the balance carried over to the next bill. XXXX  and XXXX  lowered me and my wife 's credit score by 35 points - now at XXXX. XXXX/XXXX/NFCU needs to correct this immediately. My credit score should be XXXX and my wife 's should be XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Mortgage

I refinanced my mortgage last year. Ocwen, the servicer at the time, received and applied full payment on XXXX/XXXX/XXXX. As of today, XXXX/XXXX/XXXX, I have not received a satisfaction of mortgage from Ocwen, nor is the satsifaction recorded with the county in which I reside.
Product: Payday loan, title loan, or personal loan

I am a navy federal account holder I just saw that navy federal had to pay out a class action law suit for locking accounts and threatening to go to the commanding officer I was just wondering because this happen to me numerous time and I just paid my loan off last week and I want my piece of the pie too.Everytime I call navy federal to discuss the matter they put me on hold until I eventually hang up.
Product: Mortgage

While I was dealing with unfortunate veteran XXXX issues, I placed my house in a loan forbearance with LoanDepot. When the issue was resolved, I put my home out of forbearance to start normal payments and repaying what was owed while the home was in a reference. 

However, LoanDepot solicited a trial period payment plan ; how it was explained to me by Loan Depot on XX/XX/year>, was that the acceptance of the trial period plan would trigger a loan modification request that would change my loan term, payment, and interest rate beyond what was the owed balance. This was not stated in the paperwork for the new terms. Luckily, through asking more questions, the LoanDepot representative revealed that additional information would inherently change the entire terms of the loan, not just a repayment of the balance. I find this dishonest in their paperwork and not in line with the Truth In Lending Act.