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

I applied for a loan yesterday and was told a delinquent account with XXXX existed which dropped my score from XXXX to XXXX! The lender says all 3 bureaus ( XXXX, XXXX and Experian ) have the delinquent account listed. I have never opened an account with XXXX. I called XXXX in XX/XX/2022 and the rep stated they didn't have me as an accountholder at all. After that call, I contacted XXXX to dispute the account and it was removed. Then in XX/XX/2022 I reviewed my credit file and it appeared again. I'm a retired XXXX veteran and senior with a fixed income who takes pride in my credit rating and should not have to continue to call and email to remove this erroneous account which is negatively impacted me. Please help.
Product: Credit card

On XX/XX/XXXX I called and requested to settle the balance on my Old Navy Card Account in order to close it. At that time the balance on the card was {$390.00}. The card had fallen past due because when it was transferred to Barclays, the payment information for automatic payments was not transferred with the account and I moved during this transitional time period. The 90 day settlement amount that was agreed upon during that phone conversation was {$310.00}. I set up automatic payments which were deducted from my checking account on XX/XX/XXXX for {$110.00}, XX/XX/XXXX for {$100.00} and again on XX/XX/XXXX for {$100.00} totaling the {$310.00} well within the 90 day time frame for the settlement amount. After these payments were deducted in accordance with the verbally agreed settlement, they failed to close the account. At this time, the account has been forwarded to collections which has been harassing me for $ XXXX well above the amount that should have been written off in accordance with the settlement that has already been paid out on this account. This amounts to a pyramiding racket of racking up fees upon fees and has left me in complete distrust of this company for their shady credit card practices. The company states they can't do anything about it and that they don't have the settlement on file but they do show records of the payments made for the settlement I discussed on the phone that day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2023 I received a notification that my Experian credit score had decreased by XXXX points and apon inspection into this concern I noticed personal information that was not granted by myself or a court order was appearing on my consumer report. So I contacted a agent at the Experian consumer reporting agency and advised them that there were unwanted, unauthorized information on my consumer report # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX and to please remove and update. After the agent argued with me over what they could do and not do about my request I then made the agent aware that Experian policy doesn't supercede federal law and there should only be 1 ) Name 1 ) address 1 ) S.S # 1 ) D.O.B A copy of this report will also be sent to the XXXX. And the Attorney General.
Product: Credit card or prepaid card

DISCOVER bank is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly? 
Who verified these accounts? 

DISCOVER has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX )... I was sent an account statement which does not provide any validity of this account.
Product: Checking or savings account

A consumer processed a transaction on my Wells Fargo account without my authorization. I called the merchant and explained that I did not authorize that payment. They advised me that it was nothing that they could do, that I needed to call my bank being that it was already processed. I called Wells Fargo and spoke to 3 different agents. I explained that the merchant did not have authority to process that payment. I was told by one of the agents that because the payment was too close to the actual due date, that they couldn't reverse or stop the payment. I qas also told that the payment needed to get paid anyway. That is for the customer to decide if they want to make that payment or not and for what amount.
Product: Payday loan, title loan, personal loan, or advance loan

I setup a debt management plan with navy federal. The dmp is set to pull on the XXXX and then goes to navy federal after its been pulled. 

Navy federal closed my accounts upon accepting the dmp so they should be very aware of how this works.

Navy federal has been telling me for two weeks my payments are past due. Ive submitted multiple messages to navy federal informing them of this mistake and requesting they update the payment date to the XXXX XXXX XXXX XXXX as was reflected on the dmp.

Navy federal did not respond, they had an AI chat bot say it couldnt help me a day after I submitted my first message.

My dmp pulled the payment for navy federal on XX/XX/2024. It should pay my accounts at navy federal  on XX/XX/2024. 


Today, XXXX XXXX, XX/XX/2024, navy federal took all of the money from my savings account and applied it to my loan as a partial payment.

So now navy federal took my savings, and will get their full payment on the XXXX as my dmp says they will. This causes me to not only lose XXXX dollars on this paycheck, but also very much impacts my XXXX  XXXX. I would like for navy federal to fix my due date issue and refund me the over payment they decided to collect despite my efforts to inform them of their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint regarding this Capital One Account and it is starting to affect my credit. I filed a complaint over this account ending in XXXX over 30 days. Received 1 phone call from the Corporate office from a Supervisor named XXXX on XX/XX/2019 who's number is XXXX and extension is XXXX. On that day XXXX left me a message to return her call to the number above. I returned her call at least 6 times and left 6 different messages regarding this issue. I also called another Supervisor from XXXX named XXXX who's number is XXXX and extension is XXXX because she had helped me with another account ending in XXXX ( and took care of that one for me ). After not having ANY luck receiving any phone calls back I called the number XXXX on XX/XX/XXXX, XXXX & XXXX and simply waited for a new rep to come on the line. At that time I was told that he could not help me and that he would send a message to a supervisor to call me within 72 hrs. It is not XX/XX/XXXX and I still have not heard back from anyone. The charges on the account are not my charges and I was reassured that they would be disputed by a supervisor however I continue to receive notifications on my credit report that my payments are late and the amounts are recording on my credit report. If I do not hear back from someone by XX/XX/XXXX I will be calling all news channels and filing a suit with my attorney. Capital One has been unprofessional and even threatening during this entire process.
Product: Payday loan, title loan, or personal loan

This company is calling me on my employer phone which is a hospital and I can not accept personal phone calls in an hospital setting. The phone is designated for patients only. Voiced this to them and a XXXX still proceeded to reach me at my place of work. I will file harassment if this continues
Product: Debt collection

Consumer portfolio services XXXX called me requesting information on my wife. I asked who they were and what the company did several times and it was never mentioned that they were a debt collector. I looked them up online found out they were a debt collector a called the number on the site to determine if this was legitimate or if the last call was a scammer. New call seemed legit and like there is an accountbut they told me they could not release any information except to her. After quoting the ftc site about the spouse they moved on. Then i asked for the details of tgedebt. They said they didnt have to provide that. I once again quoted the ftc site on requiments. They then offered to transfer me to someone who could provide those details. Requested details be sent in writing several times and they refused to provide unless we gave personally identifiable information to them. Since ive never dine business with them i refused and requested they provide XXXX required info in writing. When we left the call it doesnt not seem like they will honor the request per the statements on the call.
Product: Credit reporting or other personal consumer reports

I call XXXX, Equifax and XXXX credit reporting agency, to remove inaccurate name and address on my credit report. I was inform by a rep to uploaded a copy of my Driver License, Passport, and Address on there website. As of yet see any removal of any inaccurate.
Product: Checking or savings account

I reported fraud some of the transactions. Due to the airlines when to the airport they canceled my flight without my knowledge. Another one I reported when my written notes on why Im disputing it. But received a letter theyre closing my account due to I abused their policy. Like Im just gon na be happy with the money being taken off and not treated fairly.
Product: Credit card or prepaid card

My Citi Bank Visa ( XXXX XXXX ) has a " price rewind '' feature that if I find a lower price within 60 days of the date of purchase, they will credit me the difference. In XXXX of 2018, Citi changed the rules so that items from an " internet auction site '' are no longer eligible.

Here is a link to what is and what isn't covered : https : //www.citipricerewind.comXXXX I recently filed two 'price rewinds ' for some electronic items. A computer monitor that was {$70.00} cheaper than what I originally paid for it and a computer video card that was {$100.00} cheaper. I later found these items on sale at the XXXX XXXX XXXX  : http : XXXX XXXX is a pretty well known for selling computer parts but I believe that they have also opened this 'store ' on XXXX to gain further market share and exposure because they now they sell much more than just computer parts. 

Now I can understand Citi not wanting to 'price match ' and XXXX auction, but an XXXX  XXXX is not an auction - it is a sales platform. Brand new items, with warranties, return policy, etc are sold at a fixed price. In the instance of the computer monitor I filed a Price Rewind about, XXXX sold over 250 of them ( at  {$800.00} each ) through their XXXX XXXX. I view an XXXX XXXX as the same thing as a small vendor selling something through another well-known sales platform - XXXX I don't think it is right that Citi automatically disallows any purchases from an " XXXX XXXX '' and automatically label it as an 'auction site '. I think they are abusing that policy to avoid paying out on claims
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report from XXXX XXXX XXXX XXXX and equifax shoe accounts that I never applied for and inquires I never applied for it has banks, car loans. Credit cards that I have no knowledge of also XXXX XXXX  said my social security number has been compromised on the XXXX  web
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently gotten a copy of my credit report and disputed the accuracy of of the accounts that are in question. The credit bureaus responded saying that the items were verified, Ive taken another look and I find it hard to believe that these accounts were verified. EVERY single account is INACCURATE and violates the FCRA. Ive documented ALL of the INACCURACIES and I want all of these accounts removed IMMEDIATELY. The credit bureaus are in VIOLATION. I refuse to be taken advantage of. If the accounts are verified I want proof of it. I refuse to keep getting computer generated responses.
Product: Debt collection

Collection account appeared on my collection report from ASSETCARELLC/CAPIOPART   for an aparant medical debt from XXXX XXXX XXXX in Massachusetts ; to which I have not lived in since 2014
Product: Credit reporting, credit repair services, or other personal consumer reports

when i reach out to XXXX  and XXXX  about two bankruptcy on my report they said they was verified thru a third party who which i or the us federal bankruptcy court have not gave the permission to report
Product: Student loan

I have recently paid of my loan to Sallie Mae. In the process of doing so I ended up with a credit. I called to receive my credit and have my account closed. I was told that it had to go through a billing cycle and the check would be mailed and account closed at that time. They told me it would be in the beginning of XXXX. It is now XXXX and I have not received the check, nor has the account been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the a Fair Reporting Act XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section A States I have a right to privacy.

15 U.S.C 1681 section 604 section 2 It also states a consumer reporting agency can not furnish an account without written notice.
Product: Credit reporting or other personal consumer reports

I've reached out to Equifax in XX/XX/year> regarding my online access to my credit report and my ability to dispute inaccurate information online. I was told then and multiple calls since that they would put a trouble ticket with the technical department to fix the issue. Here we are and its XXXX XXXX and its worse. I can't see anything. I've called in again to escalate to the office of consumer affairs and reached an agent by the name of XXXX XXXX ID : XXXX and receive the absolute worse service ever. None of my issues were addressed and I was talked to rudely and ultimately disconnected.
Product: Checking or savings account

I do not have overdraft protection selected on my SunTrust personal checking account. I do not want my bank to honor charges that would put me in a negative positive, therefore, I did not select this coverage on my account. I have not been using the account as of late and there had been low/no activity on it and I have not been putting money in. My XXXX account is billed to this personal checking account through this debit card. On XX/XX/2018 there was a balance in the account of XXXX and on XX/XX/2018 XXXX successfully billed my debit card for XXXX causing the account to overdraft and incur a XXXX fee. As stated prior, this account has been dormant and I haven't checked it frequently. On XX/XX/2018 the account incurred a XXXX maintenance fee and then on XX/XX/2018 incurred another extended overdraft fee of XXXX. I was not made aware of this until I received a letter on XX/XX/2018 from Suntrust stating that my account was overdrawn XXXX. I called the company and asked them to please explain to me how a charge could go through if I do not have overdraft protection selected on my account and the representative stated that " recurring charges '' where an individual has given someone their card number does not constitute this rule. Personally, the overdraft fees charged are exorbitant which I try to avoid at any cost, and I think that it is deceptive that if I have elected that a bank to not permit a charge to go through that they should honor that request. I don't care that XXXX has my credit card information on file. I would rather them disrupt my service and flag me to fix billing on their end then have SunTrust disregard my request so they can collect their excessive fees.
Product: Credit card

this credit card company was opened with a deposit of XXXX and at the time was difficult to pay the balance it was closed took the initial deposit and charged interest fees and now it's closed or charged off with an open due amount
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax are consumer reporting agencies, and as a consumer, I have the right to ensure my private information is not shared. This right is supported by 15 USC 6801, which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Under this title, furnishers of information to credit agencies are defined as financial institutions.

15 USC 1681, Section 604a2, states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Equifax, nor the financial institution furnishing information to credit agencies have my consent, written or otherwise, to furnish this information. Therefore, I revoke any and all consentverbal, non-verbal, written, implied, or otherwiseto Equifax, XXXX, and the furnisher of information to credit agencies. 

15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies has never informed me of my right to exercise my nondisclosure option. Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission, which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states, " 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. '' Additionally, 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Furthermore, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am hereby opting out of your reporting services.

Be advised DO NOT SEND ME A STALL LETTER. ID, PROOF OF ADDRESS, AND SOCIAL SECURITY IS ATTACHED TO EACH DOCUMENT. THEREFORE YOU DO NOT NEED TO SEND ME A LETTER STATING TO SEND YOU PROOF OF IDENTITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX and Equifax to remove inaccurate accounts that are UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and Equifax are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Due to excessive expenses after recovering from Hurricane Milton and being in a federally declared disaster zone, I have communicated via numerous calls and messages to Freedom Mortgage since beginning of XX/XX/year>2024 that I am requesting a Disaster Forbearance plan which would defer 4 monthly mortgage payments to the end of the loan. Freedom Mortgage is not processing this request and instead seems to be trying to force me into a loan modification which would significantly increase my interest rate plus extend the terms of my loan. Freedom Mortgage has also reported to the credit bureaus that I am delinquent and my credit score dropped XXXX points. On top of all this Freedom Mortgage has reported a balance increase of {$2100.00} to XXXX since XX/XX/year>2024 and there's been NO notice sent to me directly about this
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX XXXX To whom it may concern this is my final warning before I take legal actions. Ive won a lawsuit against your company in the past for placing incorrect information on my credit report without my consent. 

I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a pacer System. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the date you receive this letter. 

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

My original claim XXXX requesting removal of debt {$490.00} has not been removed from all three credit bureaus. This debt was dismissed years ago even though not mine. Owning a credit card does not automatically make this a legitimate debt of mine due to identity theft years ago. I have repeatedly asked for documentation showing my signature on the specific purchase ( s ) in question. If this document cant be provided please remove this entry on all3 reports immediately
Product: Student loan

Due to an error on the part of Mohela in XXXX of XXXX, a refund for that month of student loan payment was to be refunded. This was processed in XXXX of XXXX and I am yet to receive it as of XX/XX/XXXX. Everytime I call they tell me that it is the Department of Education that will be issuing it. When I call the Dept. of Education they say it is Mohela. Therefore, nothing gets done and I have no recourse. 

I would like this resolved promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX LOANS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following account is reporting in an inappropriate manner.The account is showing a payments history reflecting a continued charge off after this account was closed on XX/XX/year>. This situation is detrimental for me and my family. 

XXXXXXXX XXXX. XXXX