23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I once had a credit card from capital one which i had paid off and i was never late the account was established since XX/XX/XXXX i was never given the opportunity for an unsecured credit card the account went in-active so in XX/XX/XXXX of this year i was applying for another secured credit card of which i was talked in to applying for an unsecured card after they company looked at the account. I explained to the supervisor that i was a victim of identity fraud and my score was low and they said not to look at that because i was a great longstanding customer and when i applied as they suggested me to i was turned down so i recently submitted another application for another secured credit card.
Product: Debt or credit management

The amount {$620.00} They said the account was opened on XX/XX/2024 ( XXXX mos ) Status is Open Company Name is XXXX Charter Communications Placed for collection this account is not mine I never did business with this company in my life I would really appreciate if this was removed, How is it possible for someone to run my credit without consent and that's exactly is what happened I would appreciate. I have not applied for anything in over 4 months. This fraud
Product: Credit reporting or other personal consumer reports

Im filing a complaint to report incorrect credit reporting. My research showed that I need to visit the Federal Trade Commission ( https : //www.ftc.gov ) to file an identity theft report. According to FCRA Section 605b, Credit Reporting Agencies must remove items listed on an identity theft report with reference number XXXX. Attached are documents to help remove the erroneous personal information and inquiries from my report. Here are the items that were opened without my permission : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX -- -- -- -- -- TRANSUNION XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an incorrect credit reporting, not later than 4 business days after the date of receipt.
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. 


I told the XXXX, Transunion, and XXXX to reinvestigate these 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. 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 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

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. 

Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card or prepaid card

In XX/XX/2018 I set up a automatic deduction from my bank account of {$57.00} upon there terms. The company has been charging me late fees every month since in XXXX, XXXX, XXXX. I'm requesting these late fees be taken off. The interest I can understand but the late fees I disagree with. 

I also have been receiving debt collection calls from this company. Monthly payments have been being made and are automatically deducted from my account. 

I want the automatic payment method stopped. I tried to manage my payment method through the XXXX XXXX website and it would not let me. It said to call synchrony bank. I emailed XXXX XXXX and they said they do not handle the payment methods that I would have to contact synchrony directly.
Product: Mortgage

I currently have a mortgage with Bank of America. The mortgage was opened in XXXX XXXX for {$110000.00}. In XXXX XXXX Bank of America Sent me a bill saying my mortgage was short paid {$5400.00} and they would like to Modification if I did not have the {$5400.00}. They did not explain why I was {$5400.00} short paid although I did not miss a payment or was I late. Not knowing any better And not having {$5400.00} I allowed them to modification. Between XXXX XXXX and XXXX XXXX I gave them an additional {$15000.00} in cash via certified check to void for foreclosures. In XXXX XXXX I gave them {$5400.00} in XXXX they modify my loan by the same amount I then gave them the amount of {$10000.00} in XXXX XXXX to avoid foreclosure although I have been making payments all along In addition my mortgage payments rose from the original {$1000.00} to a high of XXXX During this period. I have been paying the mortgage for 14 years and now I am more than I borrowed I have had no late payments in the last XXXX. I have XXXX different loan numbers the original loan number into XXXX and they changed the loan number into XXXX XXXX when all the trouble seem to start. I have called repeatedly and asked for all the correspondence pertaining to my loan. They reported to the credit bureau having me late for almost 6 months for an entire year in XXXX. I have asked for forensic accounting from Bank of America in writing in XXXX of this year. I have received nothing. I have emailed the head of home loans at the corporate office nothing. I feel that the modifications crisscrossed with the amount of money they required me to send but the modification still were put on the back of my loan I have give them over {$25000.00} to make my loan current over the XXXX XXXX years but yet I still have modifications XXXX XXXX time XXXX another and almost XXXX another please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple complaints/disputes to XXXX, equifax and XXXX in regards to my consumer rights being violated. Their abusive credit reporting practices and lack of effort to correct their mistakes, have continued to hinder my ability to achieve a basic means to live. It has impacted me in obtaining employment, financial services, housing and transportation. Attached is my most recent disputes and instructions for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to complaint # XXXX. Your claim that there is an unauthorized party in my complaint is totally false and baseless. I submitted my complaint on behalf of myself and even have an affidavit of truth under the penalty of perjury notarized in my documents so this complaint was clearly submitted by me. Funny when you know the law Experian likes to send out stall responses instead of complying with Federal Law and addressing facts, however I will not be deterred as I am resubmitting my original demand and Experian needs to address the facts I have presented. 

The Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached. Pursuant to 15 USC 1681 ( a ) ( 4 ) -There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Notice Congress said the consumer has a right to privacy. EXPERIAN has infringed on my right to privacy. First of all no one gave them this role, they assumed it pursuant to 15 USC 1681 ( a ) ( 3 ). Second of all pursuant to 15 USC 1681b ( a ) ( 2 ) I never gave them written permission to furnish anything on my consumer report. No consent is IDENTITY THEFT. I demand that the following accounts be removed immediately from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLEGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also demanding to be compensated via check {$1000.00} per violation totaling {$15000.00} pursuant to 15 USC 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX  I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/XXXX  I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. XXXX XXXX XXXX  states they have no record of it yet they are appearing on my Transunion account. XXXXXXXX XXXX has submitted a dispute and XXXX XXXX XXXX has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires. 
The following is appearing on my credit report XXXXXXXX XXXXXXXX XXXX XXXX XXXX ( Never authorized or requested ) XXXXXXXX XXXXXXXX XXXX Dealer Services ( Never authorized or requested ) TransUnion XXXXXXXX XXXX  XXXXXXXX ( Never authorized or requested ) XXXXXXXX XXXXXXXX XXXX  ( Never authorized or requested ) XXXXXXXX XXXX XXXX XXXX- ( Never authorized or requested )
Product: Debt collection

I have asked them to send me a letter, and they have yet to do so. They speak in a manner that is hostile, saying it is an urgent criminal legal matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/22, I requested by phone Ally Bank transfer {$930.00} of interest from a High Yield 5-year CD to an account at another bank. I was told it would be done within 5 days. It never happened. 

On XX/XX/22, I called back, received an apology from employee XXXX and promised it would be taken care of that day and I would receive number showing it has taken place. I received reference # XXXX ; however, again nothing was done, no transfer. 

On XX/XX/22 I called for the 3rd time and requested a supervisor. I spoke with XXXX, who promised the transaction would be completed by the next day and that I would receive either a call or email confirming. I was not contacted and again nothing happened. 

I then called again on XX/XX/22 and spoke with XXXX ( from the Leadership Team ), who promised this would be immediately taken care of and I would be notified by the next day regarding the completion of transfer. Again, I have heard nothing, and no transfer has been started.
Product: Credit card or prepaid card

I realized in  XXXX  of  2017 th at my interest rate was changed. It is currently 29.9 %. When I opened the account it was in the low teens. I did have one late payment in  XXXX  on this account. I have called the company, they offered to increase credit line and lower future rate, but would do nothing on my current rate. I would like a full accounting of when and reasons why my interest rates were changed since the inception of my account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I advised Experian ( XXXX ) that my report ( Report # XXXX ) has an closed/transferred account for XXXX XXXX Account number XXXX which originally had a delinquent payment in XX/XX/XXXX. Per Experian 's website ( https : //www.experian.com/blogs/ask-experian/how-long-past-due-remains/ ) " In your case, the account is paid off and closed, so the entire account will be removed XXXX years from the date of that missed payment, or XXXX years from the original delinquency date. If the late payment occurred in XXXX of XXXX, the account should be removed no later than XX/XX/XXXX. '' However the manager indicated that this will stay on my report until XXXX! He indicated although XX/XX/XXXX was the initial delinquent payment, there were subsequent on time payments which " resets the clock ''. This is not what is written on their website. 
Furthermore this is not what is indicated under FCRA guidelines : " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than XXXX years old, or bankruptcies that are more than 10 years old. ''
Product: Debt collection

On  XXXX   XXXX , 2017 -- Reliant Capital Solutions wrote a letter to my address claiming that I owe them {$550.00}. I have not spoken with anyone with this company and this is the only communication that I have had with this company.
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I wrote a letter for them to validate the debt that they claim I owe. My letter is dated for   XXXX   the  XXXX , 2017. I know that I am well within my 30 pay period to dispute the debt. I have yet to see any form of communication in reference to this debt.
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Reliant Capital Solutions has already reported this debt to all   XXXX   credit bureaus. According to the FCRA, Reliant Capital Solutions is in violations as they are supposed to respond to my request to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Checking or savings account

XX/XX/2018 PNC Bank continues to charge me a fee for not having " qualifying deposits, '' even though I deposit more than the required amount each month. I am injured and can not work. I accept small jobs for cash intermittently in order to pay bills and live depositing more than their {$500.00} a month but I can not get employment. They are requiring my deposits be ONLY FROM PAYROLL CHECK DIRECT DEPOSITS which I can not do because no one will hire me with my injury. This is a violation of my civil rights and it violates the XXXX act.
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681 ( c ) ( 2 ), BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 

Unfortunately, my personal identifiable information was compromised and used to open a fraudulent credit card account. I was a victim of Identity Theft. I am attaching my FTC Identity Theft Report # XXXX to have this account removed from my credit file by this Creditor. Also, There are 2 addresses on my credit file that I do not recognize and they need to removed too. ( XXXX XXXX XXXX XXXX XXXX, MD XXXX and XXXXXXXX XXXX XXXX XXXX  MD ) These accounts need to be removed immediately.
Product: Student loan

I was notified by irs that our income tax was going to be offset due to default student loan. I contacted reliant capital solutions llc I was informed my only option is to refinance and enter income driven repayment. I was directed to go to a website to print out application the website brought up a XXXX search. I googled the applications needed and filled them out. I was informed they would not be accepted I redid the applications with an employee of the company on the phone she again informed me they were wrong. I was asked to fill them out a third time. I was given 2 different fax numbers only one works the second one only worked after several attempts made. I have been receiving hang up calls from numbers associated with this company.
Product: Money transfer, virtual currency, or money service

They took for ever to answer my request and then the blocked my account
Product: Student loan

This agency constantly called a place i consult for work, This might effect my relationship with this employer, negatively impacting my ability to work. I was told that they kept on calling. That is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXX XXXX  ( Original Creditor : 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 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: Debt collection

I received collection notices from  XXXX  stating I owe them {$12000.00}. At the bottom of the letter it states they purchased the debt owed from Santander. I had a vehicle repossessed by  Santander  in VA in  XXXX .  XXXX  is reporting the debt is a collection owed to them and was opened by me with them in  XXXX   XXXX . This is incorrect! I never opened an account with  XXXX  in  XXXX   XXXX . I was living in Delaware in  XXXX   XXXX  and not in Va. This incorrect report of an open outstanding collections of {$12000.00} is being reported negatively on my credit file. It was previously reported by  Santander as repossession on my credit file. This has negatively impacted my ability to sustain my credit standing and is preventing  me from securing housing. I have disputed it with the credit bureau and with FTC. I just want them to correctly report it on my credit file as it was originally.
Product: Student loan

First of all they are trying to say I owe XXXX which is XXXX XXXX because I havent even been in school that long and my mom has paid XXXX. They are scam artists and need to be shut down before they XXXX over more people.
Product: Credit reporting, credit repair services, or other personal consumer reports

IRS is reporting that there are blocks on my credit accounts, that they can not verify my cell phone number, that I am deceased, though no agencies have reported this and I called to remove the extended locks on my XXXX  accounts. I am unable to file federal taxes or receive my stimulus payments. Furthermore, when updating my cell phone data with experian, hoping the irs would pick it up, I IMMEDIATELY began receiving XXXX spam text messages. This happened within minutes of the update, so experian is not selling the information, it should be considered a breach of their servers by spammers. Anyone receiving such spam texts who used the experian app in their cell phone should report to FBI cyber at ic3.gov. Anyone using experian boost should consider linked accounts as breached.
Product: Checking or savings account

I deposited my IRS refund check into my Bank of America checking account through the atm on XX/XX/XXXX. At the time of the deposit the deposit confirmation said that my funds would be available on XX/XX/XXXX. I went on my bofa app on XXXX to check the status. It said that the funds are hold until XX/XX/XXXX. The check amount was XXXX. I called bofa to try and understand why they would put an IRS check on hold. They then told me that the issuing bank has not verified that the funds were available. Naturally I called the issuing bank. They said that they hadnt had any request for payment of that check from bofa. I waited a day to allow transaction process to take its course. I called bofa again on XX/XX/XXXX and they said they still hadnt received a response from the issuing bank. So, again, I call the issuing bank to see what was going on. They told me that I needed to contact my bank and find out why they are holding my funds because they sent the funds to bofa on XX/XX/XXXX. Bank of Americas response to my question, where are my funds, is the same, they have not received the funds from the issuing bank and that they still havent verified that the check is good. But meanwhile, they have the funds already.
Product: Credit card or prepaid card

My credit card company ( ASPIRE ) has not returned my negative balance credit for over three months. They claim I requested it on XX/XX/XXXX but that is false. I have called multiple times and was told it was going to be mailed. I called and confirmed I have had a negative balance since XX/XX/XXXX. I don't know what to do.
Product: Credit card

Credit provider did not allow no-fee over-the-phone payments in XXXX ( no option was available and customer service stated as much when asked ), causing us to rack up fees, penalty, interest, etc. unjustly.