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

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries appearing on my credit report, which were established without my authorization due to a recent data breach. I am invoking my rights under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these items promptly removed from my credit file.

Accounts to be Blocked and Deleted : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$71.00} Unauthorized Inquiries to be Deleted : XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As per my rights all the information in my credit report should be accurate and verifiable.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, ( TransUnion, Experian, Equifax, XXXX XXXX ) the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This inaccurate and false information consists of a business and personal credit card account and collection account opened at XXXX XXXX in XXXX and XXXX under the account numbers XXXX for my XXXX XXXX XXXX and for my XXXX for my XXXX XXXX XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I have had fraud on my account that kept reoccurring since XXXX and because of that, my accounts were closed. All my accounts are at a XXXX XXXX. The aforementioned collections on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit collections and are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently filed a dispute with the consumer reporting agencies, Equifax, XXXX, and XXXX, on an account that was inappropriately reported on my consumer report. 
During the dispute, the consumer reporting agencies listed below failed to notify me that the account would be reinserted in my consumer report as required by FCRA 611 ( a ) ( 5 ) ( A ) [ 15USC 1681FA ].

Account Name : XXXX XXXX XXXX XXXX / acct # XXXX XXXX : Result of Investigation : Updated XXXX {$1900.00} Equifax : Result of Investigation : Updated XXXX {$16000.00} XXXX : Result of Investigation : Updated XXXX {$1900.00} I demand that these inaccuracies be corrected immediately to ensure the accuracy and fairness of my credit report, as required by federal law.

This is a clear violation of the FCRA. On XX/XX/year>, the FACT Act law, 15 USC 1681a ( 2 ) ( B ), went into effect and states : ( B ) EXCLUSIONS. Except as provided in subparagraph ( C ), the term consumer report does not include ( i ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The above-referenced account is an authorization and approval of a specific extension of credit directly to me. As such, this account is not included in a consumer report.

The reporting of this in accurate account is a clear violation of the FCRA and has caused damages. I demand that you delete this account from my consumer report immediately.

Failure to respond appropriately to this final notice will result in legal action being taken against you for non-compliance with the Fair Credit Reporting Act ( 15 USC 1681 ).
Product: Credit card

I secured a Chase XXXX card for an immediate family member with mental issues. He lives eleven hours away from me and has been stranded a couple of times. I wanted him to have an emergency credit card with a {$300.00} credit limit knowing that he was unable to responsibly handle a higher limit. On XXXX XXXX, 2016, I checked on line and discovered that he had charged {$360.00}. I immediately called Chase and was told that they allowed some overages as a courtesy, and I was told that my family member could not charge anymore until the card owner made payments that brought the balance to under the {$300.00} limit. Therefore, I did n't check online again until XXXX XXXX, 2016, when a got a text alert that the card had been used again. When I checked the balance on my {$300.00} credit limit card, it was now {$1000.00} including pending charges! I immediately called Chase again, and I was told that, at their discretion, they could allow charges " somewhat '' over the credit limit! This was over three times the credit limit not to mention that their discretion does n't matter to me for I am the customer, and it was my discretion to limit this card to {$300.00}. They did not fulfill their obligation. In addition, I have a text alert set up to notify me if the balance ever exceeded {$500.00}. I received no text. Again, they did not fulfill their obligation. I should not have to pay any charges over the {$300.00} credit limit and want to file a formal complaint against Chase. Setting up a credit limit of {$300.00} gave me financial security but, at their discretion, if Chase can approve charges 3 times that, what 's the point in having a credit limit?
Product: Payday loan, title loan, personal loan, or advance loan

I had to get another payday loan to pay off the other one. The interest rate is 597.25 % which is significantly higher than the rate allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened this account in XXXX XXXX, 2010 this company but it was not for {$50000.00} I do n't know where this amount has came from but the balance is missing on my credit report and its reporting derogatory stating that I was paying on time then i went to 90 days late then 120 days late for about 6/7 months at a time I 'm unsure how someone can owe a company for 120 days late 6/7 months in a row it seems like time stop and also how did I ever take out {$50000.00} XXXX XXXX, 2010, I would like to pay what I owe an nothing more and get this negative remark removed from my credit report, the true balance is missing and the payment history is not right, can someone please help i have been reaching out to the bureaus for years.
Product: Debt collection

On XXXX, I noticed a collection in the amount of {$410.00} on my XXXX account. 

I looked up the company and emailed there support line providing documentation that not only had this bill ever gone to collections, but that I had paid in full and on time, in accordance with the payment plan XXXX and I created. 

I am very curious about the legality of this debt collection, because I had already received a collection on my credit report in all XXXX bureaus about 12 months prior, all of which were successfully disputed. 

Additionally, this payment was made in full to XXXX on XXXX. 

ERC ( Enhanced Recovery Company ) has refused to remove this collection in the face of the documentation I have provided them, citing that they will need to hear from XXXX themselves about an account that has long been closed.
Product: Debt collection

Collection detected on credit report Debt Recovery solution balance of {$170.00} I contacted DRS on XX/XX/2023. I am unaware of this account I didnt receive any letters about this account through mail. I did not open this account. Ask for removal off credit report
Product: Credit reporting or other personal consumer reports

Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Student loan

I was orginally given an email stating to go to the Mohela 's site to set up my autopay. Then I got an email, two months later, saying my payments were denied and my account was wrong. When I called, I was told that I had to make manual payment to confirm my auto dd account, which I did. I also made an extra payment the beginning of XXXX make sure I didn't go last due again. I now got an email saying my auto dd account is not valid and that my payment attempted on XX/XX/24 was returned. I used the exact same account information from the auto dd as my manual parent for the account ending in XXXX. I don't want to cancel my auto deduct because I would Lower the quarter percent interest rate. I will contact lawyer if this issue and and my repayment plan issues ( other case ) don't get resolved.
Product: Credit card or prepaid card

XXXX  I paid off my Amazon card. I called Amazon credit services on XX/XX/XXXX because my acct showed negative {$52.00} I was told it was a credit. I tried using it towards a purchase but it wouldnt work with their assistance. Finally in XXXX I was issued a refund in form of a check. On XX/XX/XXXX I paid off my acct {$270.00} On XX/XX/XXXX I purchased deco mesh Wi-Fi router extended I had to return it on XX/XX/XXXX and recieved credit of {$100.00}. I watched my balances it never reflected refund of {$100.00}. I paid {$160.00} on XX/XX/XXXX watching to see if credit was made no it wasnt. I called Amazon credit XX/XX/XXXX at XXXX spoke with XXXX employee Id # XXXX she said she saw it said credit says applied but it never was because I kept paying off the balance. She said she would report to billing give them 30 days to get credit.I called XX/XX/XXXX at XXXX spoke to XXXX he said I would have to call XXXX he couldnt transfer me than said she wasnt in. All these calls Ive asked for my {$100.00} credit back in a check. I tried calling Amazon customer service they said they cant help. Recently I had another credit of {$14.00} on XX/XX/XXXX it never been posted or given back. Also a purchase was made XX/XX/XXXX I didnt buy anything. {$14.00}
Product: Credit reporting or other personal consumer reports

My credit score that was XXXX from perfect payments went down XXXX points because Synchrony reported my payment to XXXX XXXX as late. I talked to a representative and made a payment on XX/XX/XXXX and my XXXX XXXX report shows that Synchrony posted a late payment report on XX/XX/XXXX. Please remove this as it has been paid and in good standing.
Product: Credit reporting or other personal consumer reports

I received credit card from XXXX  XXXX XXXX, and never received the card at first. when I finally received it I used the card and set it to auto pay. Once I checked my report I seen my score dropped and that XXXX reported a late payment on my report ( they broke my privacy laws and did not have my consent to report that ). Which by 15 USC 1666b which is considered a billing error, this is violating my consumer law rights. They also know of my situation and said they put request to have it removed 3 times and nothing has transpired.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX In accordance with the fair credit Reporting act XXXX  Accounts # XXXX & # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Also I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

my name is listed as a cosigner and i assume the renter defaulted or something i have been harassed with phone calls, threats and damage to my credit report.

i sent them a notice referencing statute 15USC 1692 a and c, asking them to cease all communication.

They are harassing at work, in the hospital, etc. This has been going on for almost 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway of taking lawful action and litigating Transunion for their headstrong nonfulfillment of the FCRA statute. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please take off the late payment from this account : XXXX  XXXX
Product: Mortgage

My mortgage loan was transferred to Mr. Cooper and they did an Escrow Analysis in XX/XX/XXXX and said I was paying too much into the account and lowered my payment from XXXX ( found by my original loan ) to XXXX because property taxes were not as much as they expected. Then I get another analysis done XX/XX/XXXX saying my mortgage payment is being raised to XXXX because I did not have enough to cover property taxes. That is a huge jump in payment, I complained asked if I could remove the escrow account and pay on my own because a XXXX EXTRA a month payment is ridiculous and I could handle funds better. They said no, and cut the extra payment across 3 years so I now pay XXXX a month, still ridiculous. I got a notice in XX/XX/XXXX that we were moved into a flood zone and needed to purchase flood insurance. I let them know we would be purchasing our own policy, they purchased one for us anyways that was XXXX dollars and charged my escrow account, after I purchased a policy from XXXX XXXXl for XXXX and sent them the declaration page. They then paid XXXX dollars to XXXXXXXX XXXX after I spoke with them on the phone telling them I already paid it and had the receipt and XXXX XXXX said I had to pay the whole year to issue the policy and declaration page. So I then had a bigger negative escrow balance because they paid XXXX flood insurance policies, when they did not need to pay for any and they ran an escrow analysis in XX/XX/XXXX and want me to pay XXXX a month. They told me I would receive the XXXX dollars back from XXXX XXXXXXXX and I have to deposit it in to the escrow account. I have received nothing, I want the escrow account removed from my loan and I can easily handle the funds much better than XXXX XXXX incompetent analysts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account on my credit report called XXXX XXXX  acct - XXXX I have contacted XXXX many times and they will not provide me with a contract, give me details as to what this account is, they will not tell me who opened it, and none of their information matches with me. I have told them several times to remove it from my credit report, but all they do is give me the run around. I NEVER OPENED UP anything with XXXX and they tell me is that they can not find me in their system. 

Since XXXX XXXX is not doing anything about it, I have tried to put in several disputes with Experian and they are not deleting this FRAUDULENT account. It does not make sense that this account remains on my credit when I DID NOT DO IT. it has taken a toll on my mental health and has caused my credit to suffer. I have even filed a police report and still NOTHING HAS CHANGED! Every time I dispute the account with Experian they say that the account is " VERIFIED '' but that is IMPOSSIBLE because I NEVER OPENED ANYTHING WITH STATEWIDE, and statewide themself say that they cant find me in their system!
Product: Student loan

I got this call from Allied Interstate with a different number and I 'm making my payments to my original debt collection service, while there maybe other calls with outdated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I opened up a XXXX XXXX in which I signed a two year agreement. I has service for a few months and ended up switching carriers at which time I owed an early termination fee since I did not keep service for the full two year as I had initially agreed per the contract. In XX/XX/XXXX I was contacted by a debt collector on XXXX XXXX behalf in which I was offered what I thought was a great deal. The debt collector offered me the opportunity to settle the account in full and if I did they would delete the collection account from all three credit bureaus. They advised once my payment cleared on their end which normally lasts about 48 hours that they would send me a deletion letter to provide to the credit bureaus. Months went by and never received one as they promised. I do not know the name of the debt collector nor do I have their number so I had to call XXXX directly and XXXX advised me that there was no such comment on my account. The collection account was removed from XXXX but not from XXXX or Equifax. Not sure why it was only deleted from one of the three credit bureaus but they have not delivered as agreed upon. Not only should have the account been deleted Upon looking further into my XXXX credit report I realized that XXXX XXXX is n't even being reported correctly as it does n't even show up as a collection but is being reported as a regular account which was closed with two late payments as failed to pay and a 1 month term. From my understand a collection account shows up as a collection as how it currently shows On Equifax. Credit reports show as {$0.00} balance but should n't be on neither of the two anymore.
Product: Credit reporting or other personal consumer reports

XX/XX/year> A payment was made in the amount of {$1000.00} via debit transaction in the retail store XXXX XXXX XXXX XXXX XXXX XXXX The payment was inclusive of a past due amount {$190.00} plus current month {$190.00} along with {$610.00} in principle payment. The past due amount was due on XX/XX/year> along with the XXXX payment. On XX/XX/year> I received credit notification of a 30 day late and improper balance report as well. I am requesting the 30 day late status and balance adjustment in an expeditious manner. Attached you will find a copy of the store receipt and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refuses to XXXX me online access to my statements to review due dates, statements, or make online payments. I have called several times to seek resolution and no resolution has been offered. The representatives will terminate the call and send you back through the automated prompts repeatedly or hang up to avoid the situation.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX ... I attempted to contact XXXXXXXX XXXX  regarding the charged-off account with them. I was told by 2 representatives and 1 supervisor that 1- my account wasn't charged off ; after argument, they agreed that yes it was sold off, the first collection agency they sold it to charged it off themselves and it came back to them. Since then, they have sold it to another collection agency. On my credit report ; it shows that TransUnion and XXXX are the only ones reporting this charge-off. My dispute with XXXX was successful in removing this item. The opening date for the account reported by Transunion is XX/XX/XXXX. In contrast, the opening date for the exact same account reported by XXXX is XX/XX/XXXX. As well, the last reported dates differ on both of the credit reports. The date of last reported, last active, and last payment. Due to numerous errors, I am requesting this account be removed from my credit reports with Transunion and XXXX per FCRA 15 USC1681 eb regarding the reporting information must be 100 % accurate.
Product: Credit reporting or other personal consumer reports

my information was involved in a credit breach, i recieved a letter from a company stating as such.
Product: Checking or savings account

On the XXXX of XXXX I went to chase bank XXXX XXXX XXXX, in XXXX XXXX California. I opened a checking accounting to deposit a refund check issued by my insitutuion where i'm enrolled for school, The personal banker XXXX advised me to electronically deposit the federal issued check even through my suggestion to deposit XXXX in person. I was made aware I would have a regular wait time of XXXX days to receive access and XXXX dollars was made available in the meantime. After the bank received my funds they automatically flagged my account and restricted access, after numerous calls back and forth between customer service and my school there is no clear answer on why my money has not been made available to me, but yet is available and circulating through the bank itself. The common request is for a verified phone number of the check issuer, and my school has no idea what a verified number refers to. I've met with the head banker and still can not access any of my funds even though as a college student on the verge of homelessness they will not help. So much misinformation, and no clear cut answer, I really want my funds and it feels extremely unethical the way I've been advised and how they are handling my money, the money is present within chase and they're actively accruing interest for there own profits, at my own expense and livelihood. I do not know what to do at this point, and the response time has been lackluster.
Product: Debt collection

During the XXXX rental was returned, government credit card was charge. Later, an extra amount charge ( cleaning service ). Tried to talked to the rental agency but no number for customer service to talk about the extra charge. No way to ask about the extra amount charge. Later a letter was received with amount that I must paid.
Product: Checking or savings account

I am writing this to file a complaint 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 lagged posting or charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX  Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>