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

XXXX XXXX XXXX Account starting number XXXX opened XX/XX/XXXX, XXXX account starting numbers XXXX opened XX/XX/XXXX, XXXX XXXX  account starting numbers XXXX opened XX/XX/XXXX, XXXX account starting numbers XXXX opened XX/XX/XXXX XXXX XXXX  account starting numbers XXXX opened XX/XX/XXXX, XXXX XXXX XXXX Account starting numbers XXXX opened XX/XX/XXXX. All this account XXXX not mine it is opend by somebody who stole my identity and used to get cards and loans. XXXX XXXX account starting numbers XXXX opened XX/XX/XXXX XXXX XXXX account starting numbers XXXX opened XX/XX/XXXX XXXX XXXX XXXX account starting numbers XXXX opened XX/XX/XXXX XXXX XXXX XXXX account starting numbers XXXX opened XX/XX/XXXX I dont have contract with this Agencies they did not provide me with original contract as i requested. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT CONVERGENT ACCOUNTS ABOVE THAT I MENTION HAS VIOLATED MY RIGHT 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 ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Checking or savings account

On XX/XX/XXXX my Wife and I walked into a XXXX  XXXX store and my Wife made a purchase for a couch set that they wouldn't not deliver to us and didn't not keep in stock at the store location. We drove away from the store and decided we could not wait a week for new couches. My Wife called the store to cancel the purchase, since we had not received any products from this store, we thought this would be simple. The store refused to cancel the purchase and our bank refused to reclaim the money. Both parties said we had XXXX XXXX back to the store and present the card we used to make the purchase. Problem, we live over XXXX miles from the store. The store said it would cost {$300.00} to deliver a couch to our location, but the store won't pay XXXX {$300.00} to make that same trip to cancel the purchase. We have received no products from this store, and they are keeping $ XXXX of our money for refusing XXXX XXXX over XXXX miles to come back. There are no laws requiring us to force XXXX XXXX and return to the store for a refund. We have no products from this store, and we want our money back! XXXX. You can't keep money that's not yours! And I'm not driving that distance to come back to a store that I now hate. I simply don't have to. Give the money back, or I lawyer up. Last chance.
Product: Student loan

I am currently in the SAVE plan and was enrolled on XX/XX/year>. Due to litigation the SAVE plan has been placed on forbearance and I should not be making payments or gaining interest. After being in the SAVE plan for a few weeks, I noticed that I was still acquiring interest. I called Aidvantage multiple times and spoke to multiple representatives. Each representative gave a different reason of why I am gaining interest and generally had no idea of what was going on. At the conclusion of each call with Aidvantage I was promised that the interest gained during forbearance will be wiped away at the end of the forbearance. When I asked for written documentation to back up the claim of the interest being wiped away I was denied and told that I will need to wait for the forbearance to end before I can get that kind of documentation. I have gained approximately {$1200.00} in undue interest because Aidvantage will not address the issue.
Product: Credit reporting or other personal consumer reports

Greetings, On or around XXXX TransUnion reported a newly *XXXX** Account with XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX that was open in XXXX in XXXX-No Late Payments on or around XXXX This account was Closed/Removed from all ( XXXX ) Credit Reports XX/XX/XXXX XXXX Have tried to dispute with TransUnion x ( 3 ) only to have removed from " Closed '' account XXXX  is no longer in business and now only a digital account banking out of town.. 

Reporting on XX/XX/XXXX declined my XXXX XXXX with TransUnion by XXXX points.. 

Also, TransUnion refuse to update my XXXX of XXXX oldest XXXX XXXX It is in my opinion that TransUnion has deceptive reporting practices with an underline discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XXXX, XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Mortgage

Applied to Suntrust Mortgage on XXXX/XXXX/16 to refinance our Suntrust Equity & existing Mortgage w/Seterus XXXX. The existing Equity expiring XXXX/XXXX/16 with a higher interest rate Plus a Revolving Line of Credit Fee. 
A check for {$500.00} was written for an appraisal, We received our contract via XXXX everything was moving along fine, Suddenly XXXX XXXX was not returning phone calls, We received a letter from XXXX XXXX Banks requesting a third copy of our personal information and was later told XXXX XXXX was no longer with Suntrustt and could not find all the files previously sent. At this point we decided to refinance with XXXX XXXX and was told the appraisal was no longer valid and another appraisal was required. 
. Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , I received an email stating my account was unpaid. I checked my banks website, which I had ebill setup on with CapitalOne for years and have always paid my bill, and they had not received a bill since  XXXX   XXXX . I logged into  CapitalOne 's web site immediately and paid the bill in full, I proceeded to check my email for any indication my account was over due before I was notified on  XXXX   XXXX , but have no communication  from CapitalOne sayin g as much. In addition, I have received no notification that they were going to stop the use of ebills from them via email, mail or telephone. Upon payment in full of the account, the website said it will not be reported to the credit agencies that my account was " overdue ''. I contacted a young lady in customer support shortly there after and she confirmed they are no longer accepting ebills, does not know specifically when they stopped accepting them, and that my credit report would not be affected by this because I was not communicated with about the change in service. She even removed the late payment fee 's due to this. Two days later I was notified by my credit monito ring my credit score  dropped  XXXX  points, and upon review of my credit report even though it shows as everything paid as on time for th e CapitalOne  account, they are reporting it as 60 days late. This contradicts both what the online payment website said, and what the customer service representative had told me. I contacted them again and got a different person, who after almost a hour and a half told me yes as a consumer he would feel frustrated as well but there was nothing he could do and I would have to contact someone higher than him or mail in a letter, not providing any information on who was higher than him, only an address and fax to send a letter to.   
I have been a customer for many years, I do not carry a large balance, maybe 10-20 , which is paid monthly. While the first representative was willing to help and make promises that confirmed what their website said about the credit report, two days l  ater was the first time anything appeared on my report regarding them and the next representative was unable to help at all.
Product: Mortgage

On XXXX XXXX, 2016, my son and I called Wells Fargo to apply for a Home Equity Loan. 
We spoke with XXXX XXXX ( Tel. XXXX ext. XXXX. ) She explained the process and told us it would take XXXX weeks to close on the loan. We told her that remodeling and updating was being done and she said that as long as it was n't a new home construction, it was OK. We were pre-approved, and were told that there would be a drive by inspection. When the inspector drove by, we were painting the exterior. He reported back to Wells Fargo that the house was under construction. After telling them that the house exterior was being painted, Wells Fargo upgraded the inspection to a full inspection of the interior, which increased the cost of the inspection and would take more time. Again we told them that the reason for the loan was to remodeling and that there were open walls. On XX/XX/XXXX, during the inspection, the inspector requested an estimate to sheet rock the walls. We emailed her the estimate on XXXX. 
The following week I called XXXX XXXX our Home Equity Specialist at Wells Fargo Consumer Lending Group ( XXXX XXXX XXXX ext. XXXX, email : XXXXXXXXXXXX ) to find out the status of our application and she told me that it was being reviewed by the underwriter. After a week, she told me that it needed to be reviewed by a XXXX underwriter. Last week, I reached out to customer service to find out the status of our loan. The agent told me that she would bring it to a manager 's attention. This morning, I emailed XXXX XXXX to find out what was going on. She called me at about XXXX to inform me that the loan was decline because of open walls in the kitchen. As a retiree, this has become a drain on me and my husband. We were taken in circles and had Wells Fargo been honest from the beginning, we could have gone to another bank. We are requesting that any fees ( including appraisal ) be refunded to us. Alternatively, we would still accept the loan if it were processed this week. Unfortunately, waiting 15 days for a response will not work given we have already been put in a position of hardship by Wells Fargo. We need to move forward with our projects, and their funding.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made on time as confirmed by the bank statement attached.

There seems to have been a clerical error in reporting the payment.

Additionally, there is no record of any outstanding balance or missed payment based on my financial documentation. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found out through my insurance company that I was uninsurable for auto insurance because I had an at fault accident in XXXX XXXX New York on XXXX XXXX XXXX. It was later found out that there is another person with my same name and date of birth who lives there had an accident that was assigned to my identity by XXXX XXXX accidentally. I disputed this with Lexis Nexis and they came back and said that the information appeared to correct and that because XXXX  confirmed it they couldn't change the accident info. When I received my consumer report after the first dispute, it showed that my personal information had been mixed with the other person in New York with my name. I have disputed the information two more times and they still have not removed the other persons information from my consumer report, and the accident is still attributed to my name. It has been 4 months and the only progress that I made was to get a letter from XXXX saying that I was not the person involved in the accident. Lexis Nexis insists that they have done everything that they can and that it is XXXX 's fault.
Product: Debt collection

On XX/XX/XXXX, I sent a letter to XXXX XXXX requesting VALIDATION of the alleged debt. Per the FDCPA, 15 USC 1692g 809 ( b ). the company had 30-dayXXXX by law to respond. The company failed to respond or validate this alleged debt thus making it uncollectable. 

On XX/XX/XXXX, another letter was sent to XXXX XXXX notifying them that they had failed to validate the alleged debt. Making it uncollectable. 

On XX/XX/XXXX, a letter was written to Oliver Adjustment Company , Inc. in response to a notice from them attempting to collect on the alleged debt regarding XXXX XXXX. This letter detailed that XXXX XXXX failed to validate the alleged debt thus making it uncollectable under the FDCPA, 15 USC 1692g 809 ( b ). 

On XX/XX/XXXX, another letter from Oliver Adjustment Company , Inc. was received. This letter stated that Oliver Adjustment Company , Inc. has done an " investigation '' and found that I am the correct consumer. This is not only biased but also self-serving since they are attempting to collect upon this now invalidated alleged debt. And does nothing to validate the alleged debt. 

Another letter from me to Oliver Adjustment Company , Inc.,  dated XX/XX/XXXX, was sent via first-class mail. In this letter it was stated for them to cease and desist collection activities regarding the alleged invalidated debt. It further stated my intention to file complaints with the CFPB and my states attorney general 's office. Further notification was given that suit could be filed for harassment and harm. 

I implore the CFPB to take actions against XXXX XXXX and Oliver Adjustment Company , Inc. for violations of the FDCPA, 15 USC 1692g 809 ( b ). Their continued efforts and harassment to collect upon an alleged debt, that was afford every opportunity to validate ( and failed to do so ) is  damaging to my good name, my character, my reputation and has brought both emotional and physical harm.
Product: Credit card

I keep getting calls on my cell phone from Synchrony Bank on my Care Credit account, which apparently is a call center in XXXX XXXX, XXXX. I explained that they are not authorized to call my cell phone for debt collection. The clerk and his supervisor would not listen to me in spite of my repeating that I would make a payment XXXX/XXXX/2015. When I found out the 'collectors ' were outside the XXXX XXXX refused to 'preauthorize ' a debt to my checking account for XXXX/XXXX/2015, which they threatened to add additional late fees. I told them I 'd send a check with my statement 'tear off ' payment form. I explained I give no one my account information over the phone and especially not someone outside the XXXX speaking to me as if XXXX were my XXXX language ( very demeaning and degrading ) without allowing me to speak. When I was to be transferred to the XXXX division the line went dead.
Product: Credit card

Regarding Bank of America 's promotion of credit card check payment, complaint ID : XXXX, submitted XXXX, status closed, " I still have not received the fees of {$400.00} from the Bank of America Credit Card ending in XXXX. This is due to the misexplanation by the Bank of America staff regarding the use of credit promotional checks. I incurred late fees amounting to {$4600.00}, in addition to the original tax fees of {$4200.00}. 

The Bank of America staff assured me that using the payment for tax would not be a problem, leading me to pay the tax bill. However, the Bank of America failed to forward the amount to XXXX XXXX XXXX twice, resulting in non-payment to the county. '' Please let them know what caused I used to pay their credit promotional check,
Product: Vehicle loan or lease

On XX/XX/XXXX My husband and I was driving on the highway and my XXXX XXXX XXXX just stop in the middle of the highway. I called Carvana on XX/XX/XXXX and explained what happened and I spoke with XXXX at Carvana at XXXX who explained that they have a limited warranty which last for only 100 days or XXXX miles whichever comes first. I explained that I purchased the car on XX/XX/XXXX, and the truck was jerking. We mention it to the sales rep and she stated that the ruck is a 8 cylinder truck and the cause could be the torque. It has not been 6 months and the transmission on the car is gone. I advised that this seems like a pre existing condition and they should fix the issue due to I still have a {$400.00} car payment to pay on a car a that doesn't work. XXXX then transferred me to XXXX who stated the same exact thing about a warranty. I ask to speak to a supervisor. They transferred me over to XXXX. XXXX returned the call back to me and explained the same exist thing. I advised XXXX that I will reporting them selling me a lemon. I just want Carvana to fix the car because I am sure this is Pre existing condition. This is not a normal ware and tear when a transmission goes out. XXXX XXXX is still requiring a payment. I cant afford to pay a car payment and pay to get a transmission on a car. This makes no sense to me.
Product: Debt collection

I sent XXXX XXXX XXXX a debt validation letter on XXXX XXXX. 2016. They ignored my request for validation and continue to make attempts to collect on a debt I am not sure I owe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX last XXXX XXXX CFPB fines Equifax XXXX XXXX over errors on credit report The CFPB alleged the credit bureau failed to properly investigate consumer disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter dated XX/XX/XXXX detailing that WITHOUT my consent XXXX   placed a fraud alert on all 3 credit bureaus. Despite my XX/XX/XXXX calls, Experian refused to ask qualifying questions required to remove the alert to this bureau, thereby violating the FCRA even though XXXX agreed to process removal to their bureau.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights 15 U.S.C 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
Product: Credit card or prepaid card

Hello : I filed a complaint with you about capitalone. They responded because of the complaint and tried to blame the behavior of them dropping my credit score each time I used the card. ( I applied for a card, thinking with my history with them would get me a lower interest rate, though when I applied it was through an offer for pre approval and then the app gave me the card without choice, with nearly 30 % interest rate. {$300.00}. limit. I didn't want the card and still don't. When I used the card ( never more than {$40.00} and pof on the XXXX of ea mo ) they would say I was over and lower my score. ) When they called me they tried to blame the lower scores on XXXX, but the agency clearly shows them reporting me as over, etc. I was upset and let them know it. I am a senior wanting a card to buy an occassional gift, but with their card they had told me I could buy after the bill pronted on the XXXX  and had to have it pof before the next due date to have zero affect on credit. 
Theu HAVE DROPPED MY CREDIT SCORE 30 % ON XXXX AND $ 40 % ON XXXX!!!!!!!!! becasue they are corrupt XXXX. PLEASE GET THESE XXXX  TO CORRECT THIS> I DONT DESERVE THIS AND THEY SHOULD BE PUNISHED!!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the XXXX, XXXX and XXXX for multiple violations of my rights as a consumer under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Firstly, I would like to address the violation of my privacy rights under FERPA. The Department of Education/Aidvantage has unlawfully provided transaction history to third-party companies, which directly contradicts the provisions outlined in FERPA. Specifically, FERPA prohibits educational institutions from disclosing personally identifiable information, including transaction history, to third parties without the student 's explicit consent. By sharing my transaction history without my consent, the Department of Education/Aidvantage has infringed upon my privacy rights. Furthermore, the unauthorized reporting of transaction history, is in direct violation of FERPA regulations. Under FERPA, educational records, including payment history, are protected from disclosure to unauthorized parties. The Department of Education/Aidvantage 's actions in reporting late payments without my consent constitute a flagrant disregard for FERPA regulations. Additionally, I am deeply concerned about the unauthorized collection of my Social Security Number ( SSN ) by XXXX, XXXX and XXXX. This action is a clear violation of both FERPA and the Privacy Act of 1974 ( 5 USC 522a ), which prohibit the collection of SSNs without proper authorization. Moreover, as a federally protected consumer under the FCRA, I hereby revoke any and all authorization granted to XXXX, whether written, unwritten, verbal, or non-verbal, in accordance with 15 USC 6802. I demand that XXXX cease all unauthorized collection and reporting of my personal information, including transaction history and SSN. In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement actions against them. Additionally, I urge the Bureau to ensure that my rights as a consumer are protected and that corrective measures are implemented to prevent similar violations in the future. Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assistance in rectifying these violations of my rights.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX, XXXX - XXXX