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

I recently applied for seasonal work for XXXX XXXX and submitted to a background check provided by First Advantage. The background check came back in a very timely manner, but to my distress identifies me as a felon. I have not been found guilty of a felony.
In XXXX of 2013, I pled guilty to XXXX XXXX XXXX XXXX. The first, for XXXX XXXX ; the second for XXXX XXXX.
These charges are correctly named on the background check. However, the first, for XXXX XXXX, says the charge type was felony, and this is wrong.
I 'm not a lawyer, but I do n't think there is a felony charge type for the charge of XXXX XXXX. In any event, I did go to the State of Alaska online court record to make sure the XXXX XXXX charge was listed there correctly as a XXXX XXXX XXXX, and verified indeed it is. ( See : http : //www.courtrecords.alaska.gov/ searching under personal information I supplied to XXXX XXXX in my job application. ) I hope this supplies the information necessary for XXXX XXXX to clarify and correctly evaluate my background. Additionally, however, I hope First Advantage and this agency, ConsumerFinance.gov will work on my behalf to prevent this error from being repeated. I greatly appreciate XXXX XXXX and First Advantage making me privy to this misinformation coming up on their search and I can only wonder if there have been other times it has come up and I 've not known.
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a Southwest Credit card based on an offer that appeared in my Southwest account. 

Here are " details '' of the offer, copied from the offer : The product is not available to either ( i ) current Cardmembers of any Southwest Rapid Rewards Credit Card, or ( ii ) previous Cardmembers of any Southwest Rapid Rewards Credit Card who received a new Cardmember bonus within the last 24 months. This does not apply to Cardmembers of the Southwest Rapid Rewards Business Card and Employee Credit Card products. 

The last time I signed up for a credit card from Chase was XX/XX/XXXX. I waited until XX/XX/XXXX to cancel my card ( to make sure that previous bonus payment of Rapid Rewards were more than 24 months as described in details ) My card was declined, because I PREVIOUSLY had a Southwest Credit card. The letter stated that I " may be able to reinstate '', but not eligible for bonus rewards. 

I called twice today and spoke to customer service agents ( who were both nice ) ... but said the same thing : You may need to reapply in 30 days. My credit rating is over 800. I now have a declined credit card on record. I don't want to " reapply '' in 30 days to be told that I'm declined again. I asked to be transferred to someone who could answer directly if I would be approved. 

The first time I was transferred, I was disconnected immediately. The second time I was transferred, the EXTREMELY rude supervisor hung up on me ... after telling me that the call was being RECORDED. 

I tried to explain to him that I don't want to " apply '' again in 30 days if they are going to deny my application. Again, my credit rating is over 800, and that would be a second denial of credit on record. 

At that point, he said : " We don't look at your credit rating, we look at your credit history ''. 

Really??? What that translates to : You've gotten a Rapid Rewards bonus in the past, and we don't want to give it to you again. 

FINE : Then change your " details ''. 

I am CLEARLY eligible for this promotion. Both customer service agents confirmed that my last application was XX/XX/XXXX, and confirmed my card had been canceled.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX 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. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX -- - UNAUTHORIZED INQUIRY 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: Checking or savings account

SoFi bank froze my account since XXXX of last year it is now XXXX and my account is still frozen with no update response or verification nothing. They keep telling my me they would either close my account and send out a check but that hasnt happen either. i become nearly homeless because I couldnt pay my rent anymore. My account is still open and no one seems to taking my life serious I have my money in there and I need access to it please someone help this is theft company is a fraud. Its a online bank holding my money without my consent
Product: Credit reporting or other personal consumer reports

I thoroughly went over and reviewed my credit report recently, and I have noticed that there were some things which are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account, XXXX XXXX XXXX, account number # XXXX  is not complete and is not accurate. 

XXXX XXXX XXXX account number # XXXX  last payment date is not reporting correctly, date last active, date of last payment is not correct, as well as the payment history is reported incorrectly. This account is not accurate.
Product: Student loan

To Whom it May Concern, I have been dealing with this issue with Navient since 2013. I am a recipient of the XXXX LRP program. I filed a complain with you ( XXXX ) regarding the reapplication of my LRP benefits. I have since received a report and I am far from pleased. What I asked for was the payments to be applied to the principal and interests for loan 1, 2 and 3. This should leave a balance of XXXX  based on my calculation and anything extra should role over to loan 4. I was disgustingly shocked by the report received from Navient. Now I understand why roughly a million students default on their student loans every year. The Principals for loan 1, 2, 3 and 4 are as follows : {$13000.00}, {$14000.00}, {$10000.00}, and {$16000.00}. According to the report received, the principal balances reflect the following in the same order : {$15000.00}, {$16000.00}, {$12000.00}, and {$19000.00}. As you can see this is a huge difference from the principal Navient is showing on their website. These figures do not include the interest accrued of the years prior ( since XXXX ). I was expecting to wipe out the total balances of loans 1 to 3 and may have extra money remaining to pay some of loan 4. This issue is becoming too much for me and my family. I want to get this behind me. I have been cheated. My father is very much incapable of repaying these loans and my sister and I want to pay them in it's entirety. He can not keep a steady job and the monthly payments for all these loans are equivalent to more than his monthly salary. At this point, I am more interested in coming to a settlement. I am willing to pay Navient {$45000.00} in 120 days. This is all the money I have in my 401K, savings and I will sell my car and some of my furnitures. I want to get this behind me. I have a history of mental illness. With the pandemic and all that is taking place in this world, I need to put Navient behind me for my sanity sake. There are so many layers to this insanity that I am no longer willing to entertain. I was to hear a balance of $ XXXX $ XXXX after the payments are recalculated. Nothing about this is right. Please take the settlement and allow me to move on from this. A this point in time I am exhausted. I am medically retired from the military and is dealing issues related to my illness and medical care. I can not take this nonsense. I do not understand what is going on and I am exhausted.
Product: Debt collection

Hello, I was contacted by a debt collector for XXXX XXXX XXXX saying I owed {$2000.00} from XX/XX/XXXX in a property I didnt even live in!. The address in Question is XXXX XXXX XXXX XXXX MD. I Stayed at this property for 3 months while my house was being built in XX/XX/XXXX. 4 years after the fact. In addition utilities were included so I have no clue what they could be thinking. If this hits my credit report I would like to file legal action. Thank you for your help. XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

claim # XXXX for chase acct XXXX. Fraud! Check altered & cashed by unauthorized person. Chase fraud department contacted numerous times. Several letters to us saying claim cancelled. Several times Fraud department saying claim not cancelled. Several times asked for same documents which we submitted. No one is in charge, and no one seems to know what anyone else has said or done. Original claim filed by Chase bank XXXX. in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called  XXXX  twice on  XXXX / XXXX /17 regarding inquiries that should not be on my report. The first gentleman that I spoke to would not allow me to speak and I could barely understand him due to the language barrier. I requested to speak to a supervisor and he discod the line on me.
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The following inquiries should not be listed.
  XXXX   XXXX    XXXX , PA  XXXX   XXXX / XXXX /17   XXXX   XXXX    XXXX  , NJ  XXXX  which is also showing twice within 30 days.  XX/XX/XXXX  and  XX/XX/XXXX .
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 and again XX/XX/2023 I called Capital One regarding my 2 credit cards about the hardship program. I spoke with XXXX ( ID # XXXX ) about the BAP program and enrolled. At that time he stated they would no longer be reporting my payments late and would remove the late payments from all 3 credit reports as of that date. This has not happened and I was lied too by the customer service representative. Not only did they fix the previous late payment reporting, they reported the payments that I did make as late as well. Now my credit reports ( all 3 ) are showing that I am 90 to 119 days late or 60 to 89 days late. I would not have entered into this program had the customer service rep lied to me about the outcome and what Capital One was willing to do. I simply was trying to get back on my feet after a temporary job loss and they preyed on my niativity.
Product: Consumer Loan

Please let me start with some past experiences that are my rationales for my complaints. I have experienced fraud several times since 2010 and now choose to pay most of my bills online and am still setting up a paperless system. My COMPLAINT : CareCredit/Synchrony Bank -- I was recently was told I was being connected to synchrony bank and was connected to the wrong bank from another account ( Amazon XXXX. They were asking my entire social security number and other things I felt uncomfortable with and that 's how I found out the phone call had connected me to the wrong bank which added more concerens for this complaint I will explain now : My problem : I am taking extra precautions so ... I have tried so many times to sign onto my CareCredit account to make payments to my bill and the site does not allow me to, it says it does n't recognize me. Long story short, after a few months of trying I finally called. I was told by synchrony bank I had a late payment so they " locked '' my online account ( causing me further late payments as I am unable to do this during the day so I have been up all hours late night with NO clue what is wrong ) I have NEVER heard of locking online access because a payment is late and insisting it be paid by phone. I do NOT feel comfortable paying by phone and I told them this sounded like a racket to incur more finance charges rather than " ALLOW '' a customer to pay their bills on time. I also mentioned to the rep/supervisor I was so upset by this, I may file a class action law suit because it was their fault I can not even access my own account online as I am unable to do this during normal business hours. He then removed those late charges but I can not see anything for sure to confirm this in my account because it 's locked! I do not want to pay by phone! I can not keep track of what I do by phone, mail/paper mess everywhere, and I have no proof etc., I have problems and have been scared with phony calls too many times by phone lately so I am insisting to to have access to my account but they are refusing unless I pay to catch up. I want to but NOT by phone. I can not afford to lose one more penny and I do n't want to use mail because again, I still can not see whats going on. ONline I can take a screen pic of what I am seeing.
Product: Debt collection

I am writing to file a complaint regarding Portfolio Recovery Associates , LLC and XXXX for inaccurately reporting a debt on my credit file with XXXX, XXXX, and XXXX. The continued reporting of this account as open and in my name is incorrect and harmful, as the account was stolen and later sold on the dark web due to the XXXX  data breach. I respectfully request the CFPBs assistance in having this inaccurate information removed from all three credit bureaus. 

Account Details : Original Creditor : XXXX Current Creditor : Portfolio Recovery Associates , LLC Reported Balance : {$720.00} Reported Delinquency : XX/XX/XXXX Account Purchase Date by Portfolio Recovery : XX/XX/XXXX Issue Summary : 1. Stolen Account and Fraudulent Charges : This XXXX account was stolen and subsequently used fraudulently. I reported this theft to XXXX, and they were made aware that this was not my debt. 


2. Purchase of Debt by Portfolio Recovery Associates , LLC : On XX/XX/XXXX, Portfolio Recovery Associates , LLC purchased the debt despite my prior report of fraudulent activity on this account. Since then, they have continued to report the account on my credit file as if I am liable for the balance, which is inaccurate and harmful. 


3. FTC Report and Data Breach : I have reported this stolen account to the Federal Trade Commission ( FTC ), given that my personal information was compromised in the XXXX data breach, which ultimately led to my XXXX account being sold on the dark web. 



Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation. Due to the inaccuracies and the fraudulent nature of the charges, I am requesting immediate removal of this account from my credit report across all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX account was sold to XXXX XXXX XXXX , XXXX. I called the original creditor which it was XXXX XXXX, and they told me that, they aren't reporting this account to any of the credit bureaus because the account was sold. I have a letter from XXXX XXXX XXXX , XXXX stating that that account is not being reported by their company either, if non of these two companies are reporting this account then this is being reported inaccurate on my credit reports. By law I have a right to dispute any inaccurate information that is on my credit report, I need the credit bureaus to delete this account from my credit reports, this account has not been verified nor validated at all. I demand that this matter be investigated and documentation bearing my signature be provided to me, as it is required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report and Experian account it is showing that I still owe XXXX XXXX XXXX student loans a balance of {$8600.00} when I made a payment to settle in full. I received a letter Saying I have a balance of {$0.00}. This was account was taken care of on XX/XX/2022. XXXX hired a company by the name of XXXX XXXX XXXX to take the payment. Their information is XXXX XXXX XXXX. XXXX XXXX, XXXX, Ohio XXXX Ph. ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Bank Of Americas remove late payment reporting ( XXXX, XXXX, XXXX and XXXX of XXXX ) on my credit history and after several discussions an reporting they refuse to. 

In XXXX of XXXX Bank of America merged a bank card I held with another person and which was closed with my personal credit card online account management system. When they did this it removed my current XXXX XXXX XXXX XXXX information which is what I had set up to do monthly recurring payments. This account was set up this way since XXXX and I had never had a problem since they did this merger - and with out my knowledge or approval. This merger also wiped out all my contact/email information which was how I received notification and statements on my account. 

In XX/XX/XXXX I went in and did a one time {$5000.00} payment to pay the balance in full. With out my knowledge it used the closed BOA account as the payment method instead of my XXXX XXXX account. I never received any notification that this happened or that the payment did not go through. 

They posted a late payment notice on my credit report and I called BOA immediately. Their technician agreed it was their fault and he corrected the situation with the online system and we re-set up my XXXX XXXX account information. They took off late payment fees and I then paid my account up to date. They also agreed to removed the XXXX late payment posting - which they never did. 

There after the same thing happened with their system and it kept trying to use the closed BOA account as the reoccurring payment. They then kept posting late payments to my report report and charging me late fees. 

Now they are saying it is my fault and responsibility. How can I be responsible for an online financial management system they manage and offer to their clients? They are diverting responsibility and now have put my financial future in jeopardy. 

I have reset up the recurring payments AGAIN with their tech which is $ XXXX/month. However they are still posting late payments because I am now at {$1200.00} in a minimum payment which I can not afford at this time. 

They have refused to work with me on any level and will not accept any responsibility for the technical disfunction in their online payment system. 

I am in the process of finding legal presentation on this matter but in the mean time I want to file and record this issue with CFPB. This process is quite unfair. They do research on themselves and then file a report saying its my fault that their system faulted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX
Product: Checking or savings account

I have been attempting to close my account with US bank for over three weeks. They keep telling me they have placed a hard hold on my account, but then continue to post transactions. I then make covering deposits, and again ask to finally close my account. The complete failure of the bank to simply close my account is hugely problematic. I continue to monitor the account and act in good faith, but they continue to fail to close it.
Product: Debt collection

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. XXXX92.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per XXXXexas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.