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

In XX/XX/XXXX, I received notice from my credit reporting agencies regarding an account with XXXX. This account was closed over ten years ago at my request. All statutes of limitations have expired on this account and it is against the law for this to be appearing on any current credit reports. XXXX has falsified contact and payment information starting in XX/XX/XXXX in order to continue damaging my credit and increasing the amount of this falsified debt. XXXX had refused to remove this from my credit reports. Furthermore, all three agencies ( XXXX, Equifax, XXXX ) are still reporting this expired debt. All of my attempts to remove this negative report have been ignored by XXXX as well as the three credit reporting agencies and they continue to violate fair credit reporting laws. XXXX is a predatory lender and a simple XXXX  search on the internet will reveal how many military personnel and their families have been hurt by this company. XXXX went so far as to contact me after I had been XXXX XXXX in order to establish this account with me. It clearly states in their own policy that XXXX accounts are for active military personnel only. I was approached while undergoing medical treatment at a VA hospital and should never have been solicited in my medical condition to open an account as a veteran. Upon closing my account, and attempting to set up a reasonable repayment plan, I was denied, and they immediately reported it and refused all attempts by me to remedy this debt. My final contact with them was in XX/XX/XXXX and I have had no further contact by telephone, text, email or US postal service. However, they continue to falsify credit reporting statements with fictitious statements regarding payments and communiques. This allows them to continue to report what should be an expired debt.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why they are there. I reviewed my credit report as I usually do, but this time, there were unexplained discrepancies. I even refreshed my browser to ensure it wasnt a glitch, but the unauthorized inquiries remained. Im deeply frustrated by this situation and request a thorough review of the documents Ive provided to resolve this issue permanently.
Product: Credit reporting or other personal consumer reports

As per complaint XXXX, transgene continues to reinvestigate the XXXX XXXX account listed on my credit report. I did not ask for a reinvestigation from TransUnion, I asked them to follow through with the removal of the account as they had stated on the previous response to my complaint. They continue to reinvestigate and update this same XXXX XXXX account as it is still listed on my report. 
They previously stated that this account had been removed from my credit report. I have received numerous updated reports with XXXX XXXX still showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my credit card ontime and XXXX still put a late payment on my report from XXXX, I have tried for 4 years now to get it off and they refuse to correct the mistake they made. The sad thing is I also work for them and they refuse to fix it. They also ran my credit four times without my permission. 

Unauthorized credit pulls Transunion XX/XX/XXXX XXXX  XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously reported these accounts as inaccurate and they were remove. Now they are reporting as closed negative accounts on my credit please help me resolve this issue for a final time. The following accounts need to be BLOCKED AND DELETED from my credit file please. 

XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$480.00}
Product: Consumer Loan

I have not been able to resolve an issue with Ally Financial car loan and I would like it removed as it 's reporting to the XXXX and negatively affecting me
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy and according to 15 U.S.C. 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 mor 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 reporting

My credit is suffering because it says I have not paid back a student debt, but I did in fact just pay it.
Product: Credit card or prepaid card

I am a full time resident of XXXX Ohio and was charged on Macy 's XXXX XXXX card for purchases i neither authorized or knew anything about. In addition these charges took place in XXXX XXXX XXXX, New York. I have never been to this state and have proof of purchases made on my personal debit card in Ohio while these transactions were taking place. When I noticed the discrepancy, I contacted my credit card company right away to file a dispute. In response, they mailed me a copy of a signature that does not match mine from a store that i have never been to. The transactions I disputed and am still disputing were in the amounts of {$210.00} and {$190.00}. I have paid the remaining balance on my credit card that i was responsible for but I refuse to pay for purchases that were not made by me. There should be video security footage from the store that shows the purchase was not made by me and I am willing to send a picture to prove that as well. I will be filing a police report since my dispute was not resolved and am filing a report with you as well. I also intend to escalate my dispute with the credit card company directly. I am hoping someone can help me since I was never in New York and did not authorize the purchase of any men 's shoes Do not get a credit card with Macy 's or XXXX XXXX because they do not take fraud seriously.
Product: Debt collection

I am in receipt of a letter dated XX/XX/19 from Portfolio Recovery Associates to collect a debt owed to XXXX XXXX. At no time did I received notification from XXXX XXXX that they have hired Portfolio Recovery Associates to collect this debt. The account number for Portfolio Recovery is XXXX. The Fair Debt Act specifically states that a creditor must send a letter to the debtor informing them that they have sent this debt to a collection agency. I never received such a notice from XXXX XXXX. I have had problems with this collection agency picking up old debts that were written off by the creditor. I am asking that this company cease and desist from attempting to collect this debt from me : XXXX XXXX
Product: Mortgage

Ive own my home for 9 years and the payment has been ridiculous because of the pmi. 2years ago i had a conversation with lender about getting the pmi removed and they told me over the phone that XX/XX/2018 it would drop off. It has not and cost me XXXX extra a month. All they do is deny any conversation when i had written everything down the day of the conversation. Ive always been on time wth payments just seems as if my balance never moves. PMI is a joke.
Product: Credit card

On XXXX we were in a car accident in XXXX XXXX where our rental car was totaled and we were charged {$3500.00} XXXX with 15 % tax ( {$520.00} XXXX  ). We submitted a claim with Chase Card Benefit Services and gave them everything they asked us for : copy of the incident report form from XXXX XXXX XXXX, Final rental agreement & receipt including rental dates and charges, pictures of the accident, and statement that showed the covered card was used to pay for the rental. They asked for the cost of repairs so we sent them emails from XXXX XXXX XXXX XXXX where they confirmed the car was not repaired but was deemed total loss and the total payment was the {$3500.00} XXXX  + {$520.00} XXXX  ( 15 % tax ) reflected on the final rental receipt. Card Benefit Services continued to ask us for a Cost Matrix/Estimate of Repair for Damages/Final Repair Bill . We went back and forth with XXXX and with Card Benefits Services and were getting nowhere as this document simply does not exist as the car was not repaired. We sent Card Benefits Services emails from XXXX confirming this and they continued to ask for this. Finally, on XXXX they made a new request for us to provide " Documentation that confirms the renter listed on the rental agreement was an authorized user of the covered card. '' We provided this and on XXXX they again asked for an estimate of repairs. We believe they are acting in bad faith to prolong this process and ask us for documents that do not exist. We have been going back and forth with Card Benefits Services for 6 months now and it is clear they are acting in bad faith.
Product: Debt collection

Associated Bank helped me dispute multiple disputes including one for XXXX and during the internal investigation of associated bank corp and the other website vendor they determined that the transaction was valid based on an ip address, date of transaction and username and my email address. im still disputing this because is my current email address that im using but someone is watching my email emails that's how they know all my whereabouts and thats why im getting all the calls and the texts that are harassing and and spam fraud and identity theft people are hacking my and collaborating my XXXX XXXX settings and i can't control no matter how many times i change my password. someone has control from somewhere else. i can pull my XXXX  location history and dates from my email address and ip addresses to see if that matches the login the other website gave associated bank. the other red flag was they are claiming to associated that my email was linked to a username i created which i didn't and i dont recognize for one for two my whereabouts on the date that ip address access used my email address and that username to log that site was from location XXXX XXXX i have alibi that places me in XXXX  XXXX all day that where i live. I claim someone's setting me up and associated is coming after me because financially there holding me responsible for this XXXX transaction plus whatever else i disputed with it from all the other probly phone websites.
Product: Credit reporting or other personal consumer reports

I submitted documents showing proof of the accounts listed on my credit report was reporting incorrectly and should be deleted. From the looks of whats was sent back to me, nothing was done and continue to not correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and there are two errors on the report that should be deleted on my report due to bankruptcy chapter XXXX was filed XXXX 2016 XXXX XXXX XXXX and XXXX XXXX XXXX tried working with them and did not get no where no resolution made this has been an ongoing effort to try and get this corrected
Product: Credit reporting or other personal consumer reports

It is frustrating to have discrepancies across my credit reports. TransUnion has mostly accurate information, except for the XXXX XXXX auto account. However, XXXX and XXXX did not remove this account, and it remains on your credit report, negatively impacting your XXXX XXXX. My Capital credit card balances are still being reported inaccurately. They are not at XXXX % utilization ; in most cases, they are not even XXXX % utilized. 

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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604A 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 reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of criems which antedates the report by more than 7 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

Synchrony Bank sent a Change-In-Terms Notice for my JC Penney store credit card stating a {$1.00} monthly paper statement fee will be added to my account to continue receiving paper account statements in the mail. This meets all 3 requirements of the unfairness standard of section 5 of the FTC Act to be deemed an unfair practice. 1. The practice causes substantial consumer injury. 2. The injury is not outweighed by benefits to the consumer or to competition. 3. The injury caused by the practice is one that consumers could not reasonably have avoided. This is because I as a consumer will be forced to watch my emails for monthly statements and could miss one due to the email going to junk mail and cause my account to be late. Also, many of my older friends and family do not have an email address or computer or smartphone, therefore, will be unable to receive an electronic statement and will be forced to pay a {$1.00} a month statement fee. This is unfair and must be stopped.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. JPMCB - CARD SERVICE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. DPT ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX  In Violation of 1028a Aggravated identity theft As they never sent me the Method of verification for accounts : XXXX. XXXX : Account : 2 U S DEPT OF EDXXXX, Account Number : XXXX XXXX. XXXX : Account : US DEPT OF EDUCATIONXXXX, Account Number : XXXX and account number XXXX XXXX. Equifax : Account : Us dept of education, Balance : {$5300.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Equifax, XXXX and XXXX have also Committed identity theft On Consumer Report Along with The creditors According to the Fair Credit Reporting Act, 15 USC 1681 section 602a emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As the consumer, I assert my right to safeguard private information, supported by 15 USC 6801, which underscores the obligation of financial institutions to protect customer privacy. 

Under 15 USC 1681 section 604a ( 2 ), consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the concerned consumer. Equifax, XXXX, and the ( Furnisher of information to credit agencies ) lack my consent and written authorization for sharing this information. 

Moreover, 15 USC 6802 ( b ) ( c ) specifies that a financial institution must provide an explanation of how consumers can exercise their nondisclosure option. However, ( Furnishers of information to credit agencies ) failed to inform me of this right. 

I am Giving equifax, XXXX and XXXX a chance to set my consumer report right By Deleting all accounts in question off my consumer report I will Be charging equifax, XXXX and XXXX a XXXX dollars for each day accounts stay on my report from the date of receipt of this complaint Please rectify immediately
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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX 
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: Money transfer, virtual currency, or money service

Seller doesnt transfer history when users must update their debit card information. I signed up for Zelle to receive a small payment from a friend a year ago. The transaction never went through and they refunded the sender without ever letting me know. This year my friend sent another payment and my debit card changed since the last transaction which I had forgotten until after she sent the money. Now the rep from Zelle says they will refund the payment because the card changed. Honestly this company is very hard to work with and it seems like a scam. I deleted the app.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXXXXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$19000.00} 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

Reference complaints - XXXX and XXXX. Issue is resolved. Respectfully request closing out these complaints of Navy Federal Credit Union.