23daVinci/CFPB_Complaints huggingface dataset:
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 confidentially under 15 USC 1681 Account XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C Section 602 states I have the right to privacy 15 U.S.C Section 604 It also states a consumer reporting agency can not furnish my account without written instructions 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.

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 XXXX years.
Product: Checking or savings account

In XXXX I reported the capital one bank and criminal law enforcement officers stalking me and defrauding my bank account. They closed my debit card against my will and the XXXX  police officer was on the phone with them trying to excuse crimes on " job '' procedure. No such procedure exists. This police officer is trying to steal money again and frustrate me. Stereotypical law enforcement officers are to XXXX  XXXX  to be trusted. 

I tried to dispute two XXXX transactions that XXXX doesn't have on record but the bank stole the money and threatened to shut off my debit card again to assist the police officers XXXX  XXXX psychological tactics. To repeatedly XXXX the victim and call them crazy for telling the truth.
Product: Student loan

I consolidated my private loans ( some from under-grad, some from graduate school ) in XX/XX/XXXXas the payments from each institution ( XXXX XXXX and XXXX XXXX ) were too high for me to pay. I consolidated with a reputable local credit union. After a few months my loan was transferred to XXXX. At this time I was paying interest and principal, about {$260.00} a month on a {$58000.00} loan. I was seeing the principal decrease, as I was accurately paying on time when I could and memorizing the balance every month. In XX/XX/XXXX my loan was then transferred to LendKey, at the time I still owed about {$38000.00}. Lendkey then upped my payments to about {$1000.00} or more a month. They would no work with my on lowering my payment, and would only offer me forbearance after forbearance which at the time was my only option as I couldn't afford the payment. I naively stopped checking my balance accurately as they only accept checks and payments over the phone. The process to pay online is absolutely ridiculous and extremely difficult to understand, they also charge you a percentage on your payment. My co-signer noticed that the loan was showing up well over {$60000.00} unpaid on her credit report, which is completely inaccurate as I have been paying now for over 5 years. When I called LendKey to discuss, they said they couldn't answer the question and I had to email them. I emailed them and got no response. Now they are claiming I am passed due and my amount still owed is almost 10,000 more than what I originally consolidated for. I tried to contact my original lenders ( XXXX XXXX, XXXX XXXX   and XXXX ) to check my initial loans, but I was not successful. I am hoping you can help me with this issue. I feel like companies like Lendkey pray on young adults just starting out as they know that they can get away with it. Any resolution would be appreciated.
Product: Debt collection

This company has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday XX/XX/XXXX, I received several alerts from XXXX XXXX XXXX that I requested a change of address, change of telephone number and change of my social security number. None of these requests were made by me. I have been the victim of identity theft in XXXX of this year and I had since locked my credit files. 

On Saturday XX/XX/XXXX, after checking my credit file, all my personal information had been changed, my address, telephone number and social security number. I immediately disputed the change in address and phone number and it was corrected within hours, however, Experian will not allow me to dispute the incorrect social security number listed in my credit file online and when I called the number they suggested I was placed on hold for 2+ hours 3 days in a row.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX  : XXXX, XXXX : XXXX, XXXX : XXXX 15 U.S.C 1681 602 A. states I have the right to privacy.

15 U.S.C 1681 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 1681 s-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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S. Code 1605 - Determination of finance charge
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open a checking account in XX/XX/2022 with XXXX XXXX XXXXXXXX XXXX XXXX online. The application was held in " Decision Pending '' for over a month, even after I unfroze my credit report for them multiple times. They continued to send me messages within the application portal, requesting that I unfreeze my credit, which I did several times. I also called the bank several times or several occasions, in which, I talked to a female representative, who promised to call me back and/or forward my issue to the department who handles processing membership applications. No one ever called me back. On XXXX XXXXXXXX XXXX, I asked to have my application withdrawn due to the poor service I received, prior to even becoming a member. In mid XX/XX/2022, while checking my credit reports, I discovered on my Equifax report a " hard inquiry '' posted by XXXX 'XXXX XXXX  XXXX XXXX. I couldn't believe it, after getting several messages within the application portal from them, this bank miraculously, were able to run my credit, after I withdrew my application. I've never had any bank to run a " hard inquiry '' for a checking account. I have had checking accounts with large banks and have 2 with other credit unions, who never ran a " hard inquiry '' for a checking account. I submitted a complaint to Equifax and XXXX about the issue and was told on XX/XX/2022 that the inquiry was " factual ''. Yes, the inquiry isn't fraudulent but a " hard inquiry '' for a checking account application I asked to have withdrawn is wrong to me and any other consumer. The fact that they ran the " hard inquiry '' after I told them I wanted the application withdrawn and after they stated they were unable to run it before my application withdrawal is very suspect and appears to be malicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the bank to look at getting a loan to purchase a box truck and was denied. The branch Manager went over my credit with me and saw several things on there that is not mine XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. I also saw some student loans on there and Im not sure how that is possible being that I didnt even grauduate from high school. Some of them ran my credit without me knowing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I have reached out to the FTC and the police here. I am doing this on my own and really need someone help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since I was forced to file Bankruptcy in XXXX 2008 I  have made all payments on time as agreed and paid off all Credit Card Debt Monthly Balances in Full. All other installment loans such as Mortgage, Auto and other installment loans have all been paid on time as agreed or paid off sooner. I have only applied for and obtained credit as needed. After following all of the purposed recommendations my credit score still remains well below XXXX. My score seems to bounce back and forth in the low to hi XXXX 's. I would not have had to Bankrupt in the first place had our Government been in control of our Mortgage & Banking Lending Practices. The Housing Market would not have come to a complete CRASH had our Government put into place Strict Regulations to prevent Appraisers from preparing false Housing values, Our Government continues to fail to Regulate the Banking Industries Lending Practices and it appears that we are heading right back into another Recession. As for my own personal Credit score. It  appears that all three of the Credit Reporting Agencies are creating a false and very Low Unrealistic Credit Score. This has become very obvious based on my credit history since Bankruptcy. I believe they are doing this so that Lenders will not offer me the best credit available and instead these Bureaus are creating the scenario that forces me to pay higher interest rates and fees. Most importantly Experian Credit Report is what Credit Check Score is basing my Credit Score from. So I ask you again how can I improve my credit score to over XXXX? It is obvious that I pay all of my payments on time, keep all credit cards balance paid off every month and have done everything suggested by Credit Score as well as Experian. I am frustrated by the constant interference by the Credit Reporting Agencies and their low intentional Credit Scoring that is designed to force me the Consumer from obtaining the best credit available. A copy of this email has also been sent to the US Treasury and the Consumer Financial Protection Bureau for their review as well. Very Respectfully, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I opened a select checking account at SunTrust at their office located at XXXX XXXX XXXX, XXXX, TN XXXX. This was after multiple attempts to open it online and over the phone which all failed. I was told that I had to go into the office to open it, so I did. 

I opened this account with SunTrust only to fulfill the requirements for the SunTrust XXXX Mortgage Program I joined for my condo. SunTrust sent me a flyer advertising a {$250.00} reward for opening this select checking account ( attached ). I read the flyer and was under the impression that as long as I fulfill all the requirements listed there I'll receive the {$250.00} reward. So I made the {$100.00} deposit on account opening, set up the $ XXXX monthly direct deposit for my salary, and made more than 10 purchases with the SunTrust debit card. On XX/XX/XXXX I contacted SunTrust via their online portal asking how I would receive the award and I was told that to receive an answer I had to go into a local office. So I went to their office on XXXX XXXX on XX/XX/XXXX and the agent told me the problem was that the promo code on the flyer was not documented at the account opening. He said he would contact relevant staff the same day. There was no update. So I contacted the staff who had been in touch with me as I was originally applying for the mortgage. There was still no update. 

This is very frustrating because during the multiple contacts with the SunTrust staff when I tried to open the account online, over the phone, and in person, no one ever asked me about promo code. And the so-called promo code was placed on the top of page 2, which doesn't even say " code ''. Therefore I didn't notice it until the agent told me about it when I was at the XXXX XXXX office on XX/XX/XXXX. Now SunTrust is saying this was not documented at account opening and refusing to give the {$250.00} reward. I feel like this is a trick they play on me as a customer. The process of opening this checking account has been long and difficult enough, and now they are refusing to fulfill their promise even though it's not my responsibility. 

The whole experience of mortgage application and checking account opening with SunTrust has been unpleasant. I would not recommend it to anyone based on what I went through.
Product: Credit reporting or other personal consumer reports

I've noticed new inquiries that's not attached to any open accounts and would like to get them removed. They are unauthorized and they are affecting my eligibility to get funding for my business. The inquiries are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Thank you for your attention to this matter.
Product: Credit reporting

Loan is was closed and is still listed as a home equity and it is not.
Product: Debt collection

i was contacted by phone and email by credit corp solution. stating they was a debt collector whom bought my debt. i asked the called for debt validation. i received a copy of some electronic forms. i asked how was this debt being reported as open and the representative responded. because once the debt is bought it is open. 

this debt was reported as closed and charges off in XXXX this new company is currently reporting this as a open account and continuing to add interest to it. 

this false and misleading information is causing damaging remarks to my credit profile.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the XXXX XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # CS Account Name : XXXX XXXXL # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Debt collection

A year ago I had a medical appointment that was covered and paid for by my insurers without any issues. We recently started receiving communications from a company called AWA collections stating this bill is unpaid, and they have maliciously placed a negative mark on my credit report, despite me proactively sharing with them documents showing the insurers paid my bill. I had no communications from the hospital asking for payment prior to this, so I believe this is a fraudulent attempt to collect a non-existent debt.
Product: Checking or savings account

Overdraft applied and posted while transactions still pending .... 
Argumental document provided by bank not even in chronological order. 

I HAVE SEVERAL EMAILS AND COMMUNICATIONS IF FURTHER DOCUMENTATION IS NECESSARY
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXXXXXX does not belong to me. The creditor confirmed that this account belongs to XXXX XXXX. I have attached the creditor 's response to this email. You are also in violation for the inaccurate reporting of the payment history. It is not consistent between all 3 bureaus, and you are reporting 30 days late after reporting a 60-day late payment. This is a clear FCRA violation. This account is to be removed in 4 days according to FCRA Section 605B.
Product: Credit card

Credit card was canceled last year, however I received a statement in XX/XX/year> showing the account is {$900.00}. Customer Service agent from Citi said the account is closed, however the account credit was remaining because the account was linked to my bank account. This type of activity seems to be similar to the XXXX XXXXXXXX XXXX XXXX  scandal a few years back.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This is a Double charges. The Merchant had both of my card in their system. I paid it once with my Master cards ending XXXX on XX/XX/2022. Please Review the Receipt uploaded. 

The Merchant Charged {$500.00} once in My XXXX XXXX Master card ending XXXX on XX/XX/2022. 

The XXXX time was Not Authorizes that charge to Discover card ending XXXX on XXXX, ( Double-charge ) I had Paid all my Credit Cards on time, and is not right for customer to paid it twice. 
The 2nd time charges is Unauthorize to Discover Bank. Please Review.

I only respsonsible for paying 1 time deductible only. 
they had both of my card on their system Discover cards, and XXXX XXXX. i have to call in to have new card re-issue.
Product: Debt collection

On XX/XX/2021, I viewed my credit report and saw there was a new collections from National Credit Adjusters that is for a very old debt. This debt was closed at least over 10 years ago. I have been a victim of this creditor re-aging old debt which is highly illegal. I've disputed the claim on my credit report and want it removed from all 3 bureaus.
Product: Credit card or prepaid card

American Express responded by demanding 29.99 % interest for six months and sending two inches of " reprints '' of bills of questionable accuracy. While I review these, I have sent the following response : Dear XXXX XXXX : Thank you for your letter. You mention the card-holder agreement. The problem with your frequent changes to the agreement is that you send it in such small print and on such a short piece of paper that it falls away from the statement and is unreadable when retrieved. It can not be that American Express is lacking paper, because you often enclose a full page with a representation of store fronts and the statement about more merchants accepting the card on only one side and on the top three inches of the page! 
Your letter informed me that American Express intends to charge me 29.99 % for six months. I had received a letter dated XX/XX/2017, informing me that I would NOT be charged your 30 % interest. I do not agree to pay such an outrageous amount! 
The price of a box of crackers has gone from {$1.00} to {$3.00}! The co-payment on medication has gone from {$75.00} to {$500.00}! It is impossible to pay such outrageous interest and still have shelter, food, and medication. 
If a consumer goes to a debt-consolidation firm, American Express will receive less that the amount owed, and the consumer will pay more in the long run. If the consumer is forced into bankruptcy, American Express will receive pennies on the dollar! 
When I called the payment number on the fifth, I was informed, " No payment is due. '' I paid {$1000.00} you billed me on XX/XX/XXXX. I want all the overcharges of 29.9 % removed from all bills and reflected in the total amount due!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian They have not removed inaccurate personal information from my account that Ive asked to be removed several times months ago. They are not discriminating against me and will not allow me to speak with an actual human about any of this. They are also violating XXXX Id. XXXX ( a ) ( d ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting Fraud accounts on my credit report, making it complicated for my future goals of refinancing our home & buying a new car. I previously sent Experian several letters for several months, disputing these fraud accounts below in my consumer file : XXXX XXXX acct # XXXX {$2500.00}. XXXX XXXX acct # XXXX {$2200.00}. 
XXXX XXXX XXXX acct # XXXX {$11000.00}. XXXX XXXX XXXX acct # XXXX {$5400.00} XXXX XXXX acct # XXXX {$1200.00} XXXX XXXX acct # XXXX {$820.00} I was a victim of Identity Theft & I have already uploaded a copy of the FTC on Experian.com. Also, XXXX XXXX XXXX XXXX have corrected these errors & removed all of these fraud accounts & Experian is still reporting Fraud. All 3 bureaus are supposed to be reporting the same accurate info. Experian is violating the FCRA for reporting fraud accounts. Also. Experian is reporting inaccurate names, address, phone numbers & employees. Thank You.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wish to dispute the following information found on my Equifax credit report. I was a victim of ID Theft. There are inquiries on my Equifax credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : XXXX XXXX XXXX Automobile Dealers, New - XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX. 
XXXX XXXX Banks - XX/XX/XXXX.