23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

SECURITY CREDIT SERVICES Account number XXXX I have never opened an account with this company which was listed as XX/XX/2019 Please forward me a signed contract from Security Credit Service with my wet ink signature and XX/XX/2019 date on it This is a fradulent account whichI have never signed or witnessed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX I'm reporting American express companies. For improperly and falsely reporting on my credit report. I entered their covert relief program 19. They told me that I can consolidate my payments to one payment for {$240.00} a month. They said it was show up on my credit report as paid as agree and would not affect my credit score. I told them that I don't want to do it if it's going to affect my credit score. They said it was show as paid and nothing will happen to my credit score.This was a lie my credit score dropped from This was a lie my credit score dropped farmXXXX XXXX XXXX. To XXXX XXXX XXXX in the two months that I was in the program because American Express company report it partial payment. In return the credit bureau 's report at me late payment for 60 days. I never paid late ever in eight years I had a highCredit score
Product: Credit reporting or other personal consumer reports

The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my XXXX and Equifax report on XX/XX/year> and noticed some accounts and inquiries are incorrect and fraudulent. 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. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

XX/XX/XXXX and XXXX. Excessive overdraft fees, first one against a positive balance. If after a XXXX fee your balance is negative XXXX then obviously I had a positive balance of XXXX!!! When I access my account on line I first see recent pending and cleared items. It gives me an option to bring up Full Account Activity but they tell me this is not a correct representation. Then why is this available to me to look at???? They give me different daily balances then what I see on the Account Activity. But it is pretty obvious if you get a negative XXXX after a XXXX fee the account had to be positive. If not for the first 2 fees that are wrong the next item in was for! XXXX which would have made the balance a negative XXXX  cents, under their negative XXXX  dollar thresh hold for a fee. After that I had items of XXXX, XXXX and XXXX, those would cause fees, but only three. I admit to three fees. The next item after what should have been three fees, not six was the direct deposit of XXXX. If not for the first 2 incorrect fees the balance would have been negative XXXX   plus 3 fees of XXXX dollars or neg XXXX That would make balance after direct deposit a positive XXXX not XXXX They do this all the time. They give different dates of the items clearing and different dates of the daily balances then the Full Account Activity I can bring up and look at. If what I can bring up and see is wrong then why can I bring it up. Why do I get an activity page that is not the correct order???? But like I said if a fee of XXXX makes your account negative XXXX the balance was obviously positive. The balance would have to be negative XXXX plus at least XXXX  to have been over drawn!! They can not fathom this when I say that, it is simple math. I have printed information I will send in the mail.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in regards of the reporting, inaccurate amount and dates are being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX/ XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my report and saw these inquiries appearing that I did not authorize. Listed below are the inquiries that I demand to be deleted from my report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that are not mine. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> 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

Was approved for 2 credit cards with PNC Bank. A personal for XXXX and a business card for XXXX. Seemed fine. I had an emergency back where Im from so i had to move shortly after from XXXX  back to XXXX. Im a new XXXX XXXX, and am eager to do things right, but had no coaching on how to manage finances so I was excited to be a new client with PNC. Little did i know that this conservative Bank would profile me, and close both of my cards indefinitely and told Bank managers that i work with on my accounts that there was a lot of fraud on my cards. I do admit that i had to use my personal card to do business transactions at times, and my business card to do personal transactions at times. Mainly because their fraud department would decline my transactions per one or the other card, leaving me with not much choice other than using another card. I was treated as if I was doing something illegal, when in fact, I was just trying to start my year, and my new business off on the right foot. This was unfair, and I am being punished for not following rules that I didnt know existed. They said i should not have bought pizza ( for an event that my business was holding ) or gloves for my kids ( when my personal card wouldnt work ) with the card i used at the time. Now my cards are both closed while Im in the middle of a project that I got the cards for in the first place.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected rights to privacy and confidentiality, Under Section 15 USC 1681 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 Has Violated My Rights.

I looked at My Credit Report on XX/XX/year> and noticed some things are being incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) Also according to 15 USC 1681 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. Also according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

This card was stolen XXXX  chase banking XXXX. Recalled new debit card to stop XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have repeatedly contact Experian and XXXX asking them to update my credit report noting I have a XXXX balance. I am getting absolutely no where with them. They both continue to refuse to update and leave the balance as $ XXXX even though its {$0.00}. I have contacted both companies in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify is accurate. XXXXXXXX XXXX XXXX XXXXXXXX Open XX/XX/2022
Product: Credit reporting or other personal consumer reports

I think this account is having problems, could you please investigate it? 


I disagree, I looked at my credit report again and according to him. Act publix law 91 -506 title VI section 611 it is clear that it is not correctly reported and I want to demand that research method that they did and please if you can send me and demonstrate how you did the research method I have every right to have this account investigated, which is not correct. You investigated it and you didn't give me any reason and I asked you under Act Publix Law 91-506 title VI section 611 that protects me as a consumer, and you told me again that it was verified correctly.. please eliminate this because it is hurting my credit and This is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$98.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a credit injuries that needs to be removed can you please remove it XXXX XXXX XXXX XXXX
Product: Bank account or service

Local Chase  branch continually calls me when I have 'large ' sums of money in my checking account trying to get me to setup either an additional savings account, investment account, or something similar. These calls come from multiple people, and it 's not acceptable. I get these calls throughout the year due to being self-employed and paying my estimated taxes, as those payments come out of my checking account.
Product: Money transfer, virtual currency, or money service

I deposited XXXX into a money market IRA account on XX/XX/2020. The funds show available to use today, but the bank is not allowing me to transfer any amount to my personal checking account because of a 11-day hold. This is an issue for me because the banks have been bailed out due to COVID-19 and I have not been able to be employed since the beginning of this pandemic. There was no effort by the branch manager to call XXXX XXXX to ensure things were in order for them to transfer my funds and this is extremely not helpful to my financial situation. 

I have been a hardworking tax-paying citizen and this is unfair and unacceptable. Is there any that you all can do to help my situation? 

Thank you.
Product: Credit reporting or other personal consumer reports

To whom it may concern, an update to my Consumer Report was made as of XXXX XXXX XXXX. This update is still showing multiple inaccuracies including the remark Consumer disputes this account 180 Days past due. The official date that I discovered this violation is XX/XX/XXXX when I made my first complaint to the CFPB about this account Complaint ID : XXXX. In pursuant to 12 U.S.C. 5564 ( g ). [ 6 ] ( Except as otherwise permitted by law or equity, no action may be brought under [ the Consumer Financial Protection Act ] more than 3 years after the date of discovery of the violation to which an action relates. Also, in pursuant to 15 U.S.C 1679i ( Statue of limitations ) - Any action to enforce any liability under this subchapter may be brought before the later of ( 1 ) the end of the 5-year period beginning on the date of the occurrence of the violation involved; or ( 2 ) in any case in which any credit repair organization has materially and willfully misrepresented any information which ( A ) the credit repair organization is required, by any provision of this subchapter, to disclose to any consumer ; and ( B ) is material to the establishment of the credit repair organizations liability to the consumer under this subchapter, the end of the 5-year period beginning on the date of the discovery by the consumer of the misrepresentation.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I find it unfair that the XXXX consumer reporting bureaus are reporting an account that was once marked as 'Current ' on my XXXX credit report. However, in XXXX, they suddenly tagged it as 'CLOSED ' and 'LATE ' account.

I don't understand how they processed their investigation, leading to the sudden addition of a late payment remark on these accounts, especially when I was never late with my payments. 

Due to their improper investigation of my credit report, I demand that they must promptly remove these accounts or update them to current status. 

XXXX, Account # : XXXX XXXX, Account # : XXXX I have attached all the necessary proof in this complaint. Kindly assist me in updating my credit report to reflect the current status, correcting the inaccurately reported accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Vehicle loan or lease

Toyota Financial stopped sending us monthly statements since I settled my personal bankruptcy case several months ago. I was originally on the loan, but I did not declare my XXXX on the bankruptcy. We have been making every payment since we purchased the vehicle last year. 

I can not access my account information online because they denied access. I can not call them to see if the payments have been applied to the balance because they refuse to talk to me about the account. My mother can not talk to them because she doesn't speak good English. They have been treating me as a criminal since I declared bankruptcy even though I did not include the vehicle. My lawyer has tried several times to contact them, but they refuse to honor the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to aXXXX XXXX XXXX XXXX to get my credit report from all three agencies. 

XXXX  stated " online delivery unavailable '', stating I had to fill out additional paper work to get my credit report. 

Trans Union and XXXX  did not provide credit scores and had additional steps to retrieve these scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote you on XX/XX/2021 in regards to erroneous items on my report and I have yet to here back from you. It's been well over the 30 days, and as stated in Section 611 ( a ) of the FCRA, failure to investigate disputed items within 30 days leads to deletion of items. I'm looking forward to these disputed items to be deleted immediately or I plan to file litigation for the XXXX that's been caused against me. My information was also impacted by the Equifax Data breach, and may have got into the wrong hands and person.
Product: Credit reporting or other personal consumer reports

Despite many attempts to resolve these matters directly with the bureaus for more than a year now, the errors persist on my credit reports, causing harm to my credit. Accounts disputed previously and has been reported as " accurate '' and " verified '' yet the accounts report varying information between the reporting agencies. This is a violation of Fair Credit Reporting Act. Any information found to be inaccurate or incomplete or can not be verified the agency shall promptly delete that item of information from the file of the consumer. These inaccuracies have unfairly impacted my creditworthiness, delete any inaccurate or incomplete information. I trust that you will handle this matter with the urgency and seriousness it deserves. I request the immediate removal of these accounts. Ensure these files are TRUE, ACCURATE reflection of account. All furnished information must be a complete and accurate without error and complaint with guidelines. Accounts showing inaccuracy must be removed. 
XXXX XXXX XXXX XXXX XXXX also reported as XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX also reported as XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX also reported as XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX also reported as XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Over the last year we have seen the interest charged on our JCPenney card go up and down while the interest rate has slowly gone down and no new charges have been made. Here is a list of payments and interest paid over the last year : XXXX Payment Interest APR Rates Charged XXXX {$200.00} {$140.00} 27.99 % 26.99 % XXXX {$200.00} {$140.00} 27.49 % 27.99 % 26.99 % XXXX {$190.00} {$130.00} 27.49 % 27.99 % 26.99 % XXXX {$190.00} {$130.00} 27.49 % 27.99 % 26.99 % XXXX {$190.00} {$130.00} 27.49 % 27.99 % 26.99 % XXXX {$190.00} {$130.00} 25.99 % 27.49 % 26.99 % XXXX {$180.00} {$120.00} 27.49 % 26.99 % XXXX {$190.00} {$130.00} 27.49 % 26.99 % XXXX {$180.00} {$120.00} 27.49 % 26.99 % XXXX {$180.00} {$120.00} 27.49 % 26.99 % XXXX {$170.00} {$120.00} 25.99 % 25.99 % XXXX {$160.00} {$110.00} 25.99 % 25.99 % XXXX XXXX {$170.00} {$120.00} 25.99 % 25.99 % I have contacted the company and was told the interest amount changes are based on how long the balance has been at that level. This explanation make no since to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report on Transunion and XXXX credit reports showed a new account opened with XXXX XXXX XXXX  XXXX which. I did not open. They resolved this issue at the bank then said for me to contact you to place a freeze on my SS number to prevent unauthorized use.
Product: Credit card

I paid off the balance as stated when I signed into online banking on XXXX of {$90.00}. The VERY next day, the credit card company charged me a late fee for the previous month. Then they began charging me interest on the late fee ( no purchases had been made for several months, I was just paying down a final balance ) and I did n't realize it. I assumed the card was paid off, and the interest and late charges continued to rack up. I got a phone call about it months later, and when I went to look, I owed them {$75.00}! When I called, the guy argued with me angrily for a half hour about how I should pay my bills and I was late. I finally demanded a pay off number and paid {$77.00} ( a little over what he gave me to ensure they did n't try to charge me finance and interest charges again! ) today. Basically, they charged me interest on late fees which is absurd but also charging late fees the day after someone pays off their balance and not informing them that they actually will owe more is deceitful.
Product: Credit reporting or other personal consumer reports

FTC Report filed on XXXX Dispute Letter : I hope you're doing well as I write you this letter. After carefully requesting my credit report from your company, I am having a lot of trouble discovering a lot of inaccurate or invalidated accounts. Since my information was impacted by the XXXX data breach and might have ended up in the wrong hands, I am unaware of these things or inaccurate information. I have substantial proof that your breach was the reason for these incorrect items in my report. You are failing to comply with the FCRA by reporting carelessly and inaccurately. I demand that these items be updated and deleted right away. I also demand that you send me a credit report within 30 days that reflects the updated changes. 

Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Identity Theft XXXX XXXX XXXX XXXX Identity Theft XXXX  XXXX Identity Theft XXXX XXXX XXXX Identity Theft XXXX I swear under penalty of perjury this account was opened fraudulently I am aware of your unlawful practice of responding to consumer complaints and challenges by sending generic letters regardless of the information provided. Each disagreement must be resolved on an individual basis, according to 15 U.S. Code 1681i ( 2 ). I used fully accessible software to create my letters. My consumer rights are violated if my letters are not processed. I will view this as a violation of my rights and will speak with my attorney.