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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$4300.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXXXXXX XXXX : {$0.00}
Product: Checking or savings account

I am writing to file a compliant against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal credit Union for similar practices, when transactions settled with insufficient balances initially available funds. I believe these practices are unfair.
Product: Credit card

American express platinum Credit card services. 
I attempted to use my Member rewards points ( XXXX ) to purchase gift cards totaling the amount of {$1000.00} on XXXX/XXXX/16. Account was frozen and told to call into CS. The agent explained that my account had been flagged for review. I told her that it was a time sensitive purchase. The American Express Agent then advised me to make the purchase of {$1000.00} using my credit card, and that when my MR points were unfrozen, they could be used to pay the balance. I did as advised by the Amex employee. I attempted to call in about my points over the next month with no help. Finally a letter stating that my points had be retracted due to a prior similar card being opened. I called into CS and explained that i was told the previous card was different and i would receive a bonus on the new card due to it being a different category. I also stated that i had been misled by AMEX into making a large purchase to which i would be reimbursed for. Currently I 'm still with no help and i feel like amex has committed fraud and mislead me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found multiple hard inquiries on my credit report that I did not authorize nor recognized. 

Inquiry : XXXX XXXX Inquiry : XXXX I never authorized XXXX  XXXX nor XXXX to pull my credit in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of gross abuse.
Product: Credit reporting or other personal consumer reports

Being XXXX XXXX they never tried to assist me better to receive a loan, the navy credit union discriminated against me.
Product: Debt collection

I keep getting calls from SWC stating that XXXX says I owe them money. I haven't had XXXX-XXXX in years. My cell service is through XXXX by XXXX-XXXX and has been for the past several years. I told them not to contact me on the phone when they called that I don't owe that debt that I don't even have XXXX and haven't for a long time.
Product: Vehicle loan or lease

I told Bank of America, of my pending class action suit after my cars engine locked on me, no fault of my mine own, and the car is deemed totaled unless I buy a new engine. Ive contacted BOF on many occasions over the months and never received any replies ... only my payment is due each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I sent a letter to Experian regarding 4 accounts they are reporting the payment status inaccurately.

Not Only did they NOT correct them but two other accounts not listed in the original investigation, they changed the payment status to a negative status with NO reason.

All SIX of these accounts are reporting a payment status that is reporting derogatory. a payment status is supposed to show the CURRENT payment status. 5 of these accounts are student loan accounts which should not be reporting any negative derogatory due to the covid 19 federal loan deferment. NOT TO MENTION THEY HAVEN'T BEEN LATE. the payment status should show PAID AS AGREED.

The Division of Child Support is also showing a payment status that is not accurate it needs to report the CURRENT payment status.

Ive included my original letter as well as all SIX of the accounts credit reports with their inaccurate information highlighted.

This is not only FCRA violation, but it is FEDERAL LAW TO NOT REPORT STUDENT LOANS DEROGATORY WHILE IN DEFERMENT.
Product: Student loan

Since XXXX, 2017 my three loans serviced by Navient have raised my interest rates by 1/4 % three times. My rates have gone from 5.5 % to 5.75 % to 6 % to 6.25 %. Every time I call ( the first time on around XXXX XXXX ) I have been getting the run-around and bounced to different agents at Navient that tell me I can not consolidate this loan or lock in the current interest rate. I 've been informed that I must simply allow my interest rate to rise without having the power to do anything about it. I asked to speak with a superior or manager and they have refused to connect me.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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

My bank account was levied without notice or legal service. The bank representative gave me the phone number from the levy documents, which led to the XXXX XXXX Sheriff Dept. When I contacted them, they gave me the court case number for a legal action of which I was completely unaware. I immediately pulled reports from all XXXX reporting agencies, and not one report listed a delinquent debt. The court clerk did give me the name of Law Offices of Patenaude and Felix, a firm whose name appears in countless internet searches as predatory and abusive debt collectors. Therefore, this levy is an illegal collection attempt and an probable example of zombie debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last three months I have called Experian to cancel my membership. I call each day I am notified of payment being taken and every time I am told its been cancelled however the following month they bill me again. Today was my third time calling to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the following items for more than a year now with Zero results from the three credit reporting bureaus expect for XXXX. XXXX has updated and conducted investigations which they have already updated. Unfortunately XXXX and TransUnion have fallen behind in even sending out any investigation results. 
I am listing the Inaccurately Reported Personal Information below needing to be immediately Removed & Deleted. 
TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding an erroneous late payment entry on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. Specifically, I am addressing an alleged late payment that has been reported by TD BANK NA under account # XXXX. 
I want to stress that this late payment entry is inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to TD BANK NA. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entry continues to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove this inaccurate late payment entry from my credit report. Please ensure that this account is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a debt on my credit report that I have disputed that was not deleted after asking for the debt to be validated. It was verified without sending me any information on how it was confirmed. I sent this letter to the credit bureaus on XX/XX/2022. The debt amount is XXXX this debt was bought by a third-party collection agency. I would like this debt deleted from my credit report because I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of a letter. It was not done in that time frame and also the debt was never verified as being mine debt and I never received verification on how it was verified it just was updated and I was supposed to just accept it and or pay it. I want it deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. 
Experian is very quick to report negatives on my account. When looking at my balances I've found they fail to recheck on accounts. Yet my score is being dropped XXXX points. Only XXXX points increase today as most of my balances are lower then the debt shown on the report
Product: Checking or savings account

On XX/XX/XXXX of 2023 I opened a fraudulent claim with my bank called chime someone unauthorized charged my account for the amount of {$1800.00}. When I opened the fraud claim it took them ( 2 hours to reject my claim ) They didnt even take time or effort to investigate which I found poor of there part ( I have proof of that as well ) I called back the same day to explain my frustration and they let me reopen the claim which they call rebuttal and its been 30 days now and I havent been able to get my money back. I have called them countless of times and they literally hang up on me and ignore me and every time I want to speak to a supervisor they do the most to not transfer me! Please help I want this resolved! 
They have also done this in the past! Someone stole {$700.00} from me and same thing was rejected 2 hours later
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an adverse action notice that denied my employment with XXXX due to my background check. I have been a XXXX for XXXX since XX/XX/XXXX. At that time my pre employment background check was ran and came back clear. XXXX uses a third party background check company named Checkr. Checkr reported outdated background check information to XXXX on my behalf. My criminal background is from XX/XX/XXXX where XXXX XXXX   requirements states that there must not be any criminal record within the last seven years. I have tried contacting both XXXX and Checkr regarding this issue and both companies keep directing me back to the other. I would like checkr to report my criminal background history per companys policies since they are the background check provider for numerous companies. If my background is from XX/XX/XXXX and the company only requires to go back 7 years checkr shouldnt be reporting information that surpasses the 7 year guidelines especially since checkr gave me a clear background check upon employment with XXXX.
Product: Money transfer, virtual currency, or money service

I was transferring XXXX between my linked external account at CIT to my checking account at Citibank. I have transferred between these accounts multiple times in the past without issue. Today I was told my funds were being held from XX/XX/XXXX until the XXXX. There is no reason for electronic funds between verified accounts to be held for 3 business days + the XXXX holiday. 
There is no resolution being offered with a 48 hour delayed response from Citibank. I will be closing my accounts for sure, and when I said that the representative snarklily replied she could close them now. I need to move all my autodebited accounts, but her reply was very telling about the company 's attitude.
Product: Debt collection

I called the company named credence resource management about an account for {$6100.00} and I requested any information about why is it so much that I don't owe so much. And they told me that they do not have any information only that I need to pay them. And I asked are you sure that it's my account? And they said it is from the year 2020 and they don't have any information. Please delete this company from my credit report because this account is invalid.
Product: Credit reporting

XXXX addresses reported on my report are incorrect, I have never lived at either XXXX XXXX XXXX XXXX in XXXX, Tx. or XXXX XXXX XXXX XXXX in XXXX, Tx.. I would appreciate these entries being removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness of an accuracy of the list of the accounts below. 

XXXX XXXX Account # XXXX XXXX  XXXX Account Number XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I have no liability to XXXX XXXX XXXX for they are a third party debt collector and I have contract no with them. XXXX XXXX XXXX brought the debt from XXXX XXXX XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like XXXX XXXX XXXX to provide me the direct contract between them and XXXX XXXX XXXX showing that they are authorized to collect for XXXX XXXX XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to opt out of XXXX XXXX XXXX, Transunion, XXXX XXXX XXXX  reporting this to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not try to receive any credit card or do any increase. Nothing to do with Wells Fargo, please fix this inquiry on my Report!
Product: Credit reporting or other personal consumer reports

Equifax and XXXX reporting inquiries on my credit report and collection that is not accurate I requested the inquiries and collection be removed according to .Obligations of Credit Reporting Agencies ( 15 U.S.C . 1681e ) Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in the information they report and are required to correct or delete inaccurate, incomplete, or unverifiable information when a consumer disputes it. As well according to 15 USC 1692f Unfair Practices. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXDOFED Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

This is regarding Barclay USA credit card company.

There was series fruad transaction for the purchase I've never done with total amount of more than {$7000.00}. 
I called company and reported fruad back in XXXX, XXXX and I was told it will be resolved in a few week, but never happened. 
I called follow up calls for more than 5 times, and the latest call I made was XX/XX/XXXX, and was informed same thing that my issue will be resolved in XXXX business days. 
The ability handles fruad issue in this credit card company, Barclay USA is just horrible... never heard any company who is not capable of dealing with fruad issue like this one. 
My CASE # : XXXX Account manager I talked on XX/XX/XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XX/XX/2018, and XX/XX/2018, I have submitted disputes and 609 letters regarding investigation into XXXX XXXX XXXX about an account. I still have not received any information from TRANSUNION regarding debt verification from the company. I have also requested several times information directly from the company with no response other than late or missed payments. I refused to keep sending money for an unverified debt or contract. Transunion has continued to ignore my investigation and provided no documentation from the XXXX
Product: Money transfer, virtual currency, or money service

Money was sent to this company/individual who scammed me saying never received money after I sent him wire transfer date XX/XX/2021, amount {$400.00}. I messaged him via text and pls find enclosed attachment of the conversation, his reply ( never received money ). I tried contacting my bank SANTANDER and they have denied my claim 3 times without even contacting the XXXX XXXX for dispute and claiming my hard earned money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I shall begin by saying this is a cease and desist letter to the companies XXXX XXXX XXXX, EXPERIAN, XXXX, AND XXXX. I am seeking Monetary Relief because my rights under the FCRA have been violated by XXXX XXXX XXXX ( 15 U.S. Code 1681n - Civil liability for willful noncompliance ). This company has been reporting to all 3 credit bureaus that my account has been charged off however, they have been constantly harassing me via email to make a payment. Below I have attached proof of how the account is reporting on my credit report which is also accurate for the other bureaus and I've also attached proof of them emailing me today XXXX saying that I owe a payment. I would like this account IMMEDIATELY deleted and removed from all 3 credit bureaus as this is a CLEAR violation of my rights. This corporation is trying to profit from the government as I assumed they filed a 1099C for this " debt '' and they are also trying to profit off of myself as a consumer since they are STILL asking me to make a payment. HORRIBLE HORRIBLE HORRIBLE and shame on them!!! I would also like to receive monetary relief from the 3 major credit bureaus as I have reported MULTIPLE times that this company has been violating my rights and all they have done was validate the account without any explanation as to HOW they validated it. I'm confused because I was under the impression that these credit bureaus have an obligation to the CONSUMER but it looks like they are working together with these major corporations to try and profit off of poor consumers as this account has cost me thousands of dollars in interest. I will take legal action if this account is not removed and deleted within 15 days off of all 3 of my credit reports as there is no excuse or explanation that can justify such violation!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my credit report that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX & XXXX/XXXX. The only reason I found out that these accounts are on my credit is because I applied for a personal loan today XX/XX/20 and I was not approved because of these three accounts. I have no idea who opened these accounts in my name without my permission but I did not receive any type of benefit such as money, goods, services or any other benefit as a result of these accounts being open in my name. I never made any payments towards these accounts and I do not have any type of contract or relationship with those companies and I did not give them permission to run my credit or view my confidential information. I have filed a police report regarding these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went bankrupt in XX/XX/2020. I have 2 credit card accounts that are showing CLOSED THROUGH BANKRUPTCY, but still shows they were late, negatively affecting my score. I want them removed from my report like the rest of my accounts that were late, but are no longer showing on the report after the bankruptcy. I disputed these accounts multiple times in an attempt to have them removed without success. I contacted the companies and was told they could not remove the accounts. This is negatively affecting my credit.