23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied for a new credit card ( XXXX Credit card ) with BBVA Compass bank few days ago and I received and activated it on XX/XX/XXXX. I registered the new card online so I can fully manage it myself. I had a credit account with this bank long ago which I stopped using since XX/XX/XXXXand was fully paid. I never used that old card and I never receive any new card. While online, I was surprised there were 4 accounts in my name and one of them has a balance of {$1500.00} ( CRC # XXXX ). I called their contact number on XX/XX/XXXX and spoke with a representative who told me to ignore it. According to the representative, the other cards showing were replacement cards. But I never received them, therefore never activated nor used them. He is quite arrogant when I insisted that I never had this card. ( But I printed all what I saw in my monitor ). I decided to cut the conversation and later called again. Next time I called on same date ( XX/XX/XXXX ), I spoke with a lady rep who said the same to ignore it. She told me it 's just nothing. I told her that if it was nothing, why is it generating current statements and even had balance. I printed the latest statement that I saw ( period XX/XX/XXXX-XX/XX/XXXX ). I  told the representative to close the new account I just opened because to me, there is something wrong in their system. I asked the lady to close all account in my name because I believe there is something wrong here. 

Today ( XX/XX/XXXX ), I went online to check if the account were closed but they are still there. And thus I need help in this case. 

I demand that all the accounts that appears in my name be closed and information be taken off their system.
Product: Debt collection

XXXX XXXX XXXX is consistently harassing me. The company has called from different area codes repeatedly every day for months, even after I have asked them to cease calls. They also send mail even after relocation to a different address that I do not provide to them. I have disputed against the company on numerous occasions and there has been no resolution. Upon further investigation, the state of North Carolina requires collection agencies to be licensed within their state. XXXX XXXX XXXX is not licensed or registered with North Carolina 's Secretary State and should therefore be removed from all credit bureau agencies 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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX 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.

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

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

ADP XXXX CARD On XX/XX/2019 I noticed ( 2 ) two charges that were pending on my account. Both were {$200.00}. A total of {$400.00} was charged without my card and without my permission. I contacted the card service and made them aware of the charges while they were pending. I was told these charges needed to clear before any action could be taken. I phoned back after the two charges cleared and was again told I had to wait 10 days before filing a complaint. I waited the 10 days and filed the complaint. 
Still nothing has happened and the charges still stand. The card was stolen, used for {$400.00} without my permission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  and a Agency names CBNA and the DEPARTMENT OF EDUCATION have all three reported on my credit report without my permission which is illegal According to the Fair Credit Reporting Act Section 605B I respectfully and lawfully demand that these inquiries be removed immediately from my any credit report baring my, copyrighted NAME to avoid legislation involving these matters. FTC and Secretary of State will be contacted to do further investigation. 
Please Be Advise this is an opportunity to cure before the administrative process begins. 
I have emails, screen shots and well dated records as well however it is my intention to settle these errors in an out of court proceeding/arbitration.
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 and number XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX BANK XXXX XXXX ) Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX BANK Account # XXXX. 

XXXX. XXXX Account # XXXX XXXX. XXXX FINANCIAL XXXX  Account # XXXX XXXX. XXXX  XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX 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 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, other than records of convictions of crimes which antedates the report by more than XXXX 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

Experian is reporting XXXX XXXX XXXX - XXXX on my credit report when it was deleted from the other XXXX reports. I have contacted this collection agency and they have failed to provide proof that I owe this debt. XXXX and XXXX deleted it because they lacked proof. 

Experian is the only credit report that is reporting XXXX XXXX XXXX - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX - XXXX and XXXX - XXXX. I am not sure how these XXXX accounts were able to be verified by you and but XXXX and XXXX deleted it. 

I also need help deleting the following names that are incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also need help deleting the following addresses that are incorrect. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dispute Department TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in case of disputed accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days.

The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please urgently rectify the unauthorized inquiries on my credit report, which are causing me considerable distress and were not approved by me.
Product: Payday loan

this online lender is not license in the state of texas. they kept adding more fees and interest charges i was not expecting and can not afford. they have been harrassing me with emails and phone calls during work and on sundays. I been paying more then what I owe and not am behind on my bills.
Product: Student loan

Dates/Months Contacted NAVIENT : XXXX, XXXX, XXXX 2019 I secured loans for {$15000.00} at 6.8 % from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX WI XXXX. 
The loan was sold to Navient Corp. I continued to make payments. I realized the balance of my loan was not decreasing. When I contacted Navient about the matter, I received a response that was the equivalent of a Form Letter that did not specifically answer my questions. 
I contacted an attorney and asked that a letter be drafted requesting very specific information : ( 1 ) definite capitalized interest, ( 2 ) how is interest capitalized, ( 3 ) what interest accrues during forbearance periods and how the capitalized interest is calculated, ( 4 ) what is the duration of the capitalized interest.

The response I received from Navient Corp. was the same Form Letter I had received earlier. None of my questions was answered.

After years of making payments, I owe more than I borrowed. I have made several attempts to resolved issues with Navient Corp. in light of the fact that Navient has been sued by the Consumer Financial Protection Bureau, I am requesting assistance to have my loan considered paid in full. I have over 15 yrs of service with the XXXX XXXX XXXX ( XXXX ).

Id appreciate your office looking into Navients practices of providing bad information, processing payments incorrectly and lack of response to borrowers questions/concerns. 

Thank you for your assistance and cooperation concerning this matter
Product: Debt collection

Account is a total mistake itself. Previously reporting collection while derogatory/ charge off at the same time with inaccurate date last active reporting zero data on payment history and date of last payment with XXXX XXXX and XXXX XXXX reported no account whatsoever. Currently account is stating as open account. Now, added payments to payment history stating as OK as agree all the way from XX/XX/XXXX to XX/XX/XXXX with 120 days late on XX/XX/XXXX and XX/XX/XXXX by XXXX while XXXX is reporting consecutive charge off as if it was some sort of payment method. date less active stating incorrectly reporting as XX/XX/XXXX by XXXX and XX/XX/XXXX I XXXX  while XXXX Reports XX/XX/XXXX yet data is missing on the last payment there is no possible way that account couldve gone from collection back to open account from reporting zero data on payment history to reporting a whole report of payment history by XXXX while XXXX reports nothing but charge-off and XXXX XXXX is definitely not reporting any data on payment history. This is not tolerated information must be 100 % accurate at all times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX, XXXX Report # XXXX Right Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Wrong : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Credit reporting or other personal consumer reports

Formal Dispute of inaccurate Credit Reporting under FCRA and Consumer Law.

I am writing to formally dispute information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which inquires credit reporting agencies to conduct a reasonable reinvestigation of disputes items. Recent findings by the Consumer Financial Protection Bureau have brought to light significant concerns regarding XXXX  failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer Protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable investigation of disputes items within 30 days. Furthermore, under 15 U.S.C 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.
Product: Credit reporting or other personal consumer reports

DELETE ADDRESSES XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX GA, XXXX DELETE CREDIT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX DELETE HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I went to Enterprise Car Sales in XXXX, PA to purchase a vehicle, XXXX XXXX XXXX. I filled out the credit application prior to so they can ensure that I was able to get a car loan since this is my 1st car loan. XXXX from XXXX XXXX XXXX  in XXXX, PA then connected me with Westlake Financial Services. Westlake financial services offered me a loan with a down payment of {$2600.00}. My car payments roughly would've been {$400.00} a month, which is what we agreed to. On XX/XX/XXXX ( Almost a month into the contract ) XXXX from XXXX Car Sales call me and states that Westlake Financial Services was not able to finalize the car loan just yet. They asked me if I can provide {$3000.00} more that day, I told them I do not have {$3000.00} more just out of the blue just to give you when we agreed on a {$2600.00} down payment. They claim the reason for this was because my credit score was not high enough? Which is what I am confused about. They showed me my credit score and I signed the papers from Westlake Financial Services, so we mutually saw my credit score and agreed to my rate. Westlake Financial Services claim that they " found more credit '' ( my name was legally changed years ago ) and without the higher down payment then I would have to return the vehicle. I'm just confused because my social security number never changed? Just my name. People change their names  everyday for various reasons. Since I am an identifying XXXX   XXXX and my previous name was a male name, for some reason they start referring to me as " sir ''! I'm just unsure what to even do.
Product: Credit reporting or other personal consumer reports

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

I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 

I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the Thank you for your assistance in this matter, __________________________________
Product: Checking or savings account

I HAVE APPROXIMATELY XXXX USD IN MY DISCOVER BANK ACCOUNT. 

WHEN THE BANK REFUSED TO SEND A REPLACEMENT CARD AND PROVIDE ACCESS TO MY ACCOUNT, I ASKED THEM TO CLOSE THE ACCOUNT AND MAKE THE MONEY AVALABLE THE BANK HAS NOT RESPONDED. 

I HEARD THAT DISCOVER IS BEING PURCHASED BY XXXX  XXXX. I WONDER WHETHER THIS IS RELATED..
Product: Credit reporting or other personal consumer reports

Compliance Documentation : Confirm that this account is being reported correctly and in full compliance with XXXX reporting guidelines, including accurate status codes and permissible dates. 
3. Immediate Action to Cease Reporting Until Verified : As this account remains disputed and unverified, you must cease reporting to credit bureaus immediately under 15 U.S. C. 1681s-2 ( a ). Failure to comply with these requests within 30 days will result in legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I may also seek damages for harm caused by false reporting under 15 U.S.C. 1681 n and 1681o. If you are unable to provide the requested documentation, this account must be deleted from all credit reports. Continued failure to comply will leave me no choice but to pursue legal remedies, including a lawsuit for violations of the FCRA and FDCPA.
Product: Payday loan, title loan, or personal loan

I have an account with NetCredit and I took out a withdrawal for XXXX by mistake, which was my fault ; however the checking account that I have my NetCredit account tied to is closed and no longer active. The XXXX was never received because I don't even have that account anymore. NetCredit says I got the money. I DID NOT RECEIVE any funds! Now they are wanting me to make a payment! 

Netcredit keeps responding back to me about my checking account XXXX. That is NOT the account that is tied to the netcredit line of credit! I NEVER RECEIVED THIS MONEY AND THE ACCOUNT ending in XXXX WAS CLOSED MONTHS AGO. They have stolen money and now say that I owe it to them! I can not get this issue resolved and they are not willing to help!
Product: Debt or credit management

I paid Lexington law. Multiple payments for credit repair. My score never changes nothing bc ever came off my credit and they charged me a lot to close my account. In total I spent XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

A company has failed to update the current status of report I notified all three Credit Bureau of the situation and all have failed to properly investigate the issue. I reported a Company named XXXX XXXX to all three Bureaus about inaccurate information and no steps have been taken to remove the inaccurate information from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law.The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : Equifax : XXXX XXXX XXXX : {$180.00}
Product: Credit reporting or other personal consumer reports

My social is incorrect with transition I have not applied for any cars, homes, etc I have been involved in over XXXX data breaches. I have also received settlements from XXXX banks due to them and still awaiting compensation for others
Product: Credit card or prepaid card

I signed up for an American Express " Everyday '' credit card advertising no annual fee. The explicit terms of the offer were 10 % back at restaurants for 6 months ( up to {$2000.00} ), as well as {$200.00} cash back after a {$2000.00} spend. I was approved for the card onXX/XX/XXXX. I called American Express to confirm this bonus, and was explicitly told ( during a supposedly recorded conversation ) that these were the terms. I easily met this criteria, but received no bonus. 

Furthermore, American Express signed me up for a *different* card with an annual fee that was immediately charged. While I expressed my concern to them about this, since I was told that I would receive the sign up bonus I did not cancel the card and paid the annual fee ( +interest ). 

I called AmEx many times and used their online chat feature 5 times. Each time I was told that I would be contacted within 7 days. I was never contacted at any point and always had to initiate contact. 

One of the times I was on chat, I was told that the investigation was closed, in my favor, and I would receive a credit soon. 

On XXXX I was told over the phone that I did receive a {$280.00} credit on my account, as I was supposed to. I looked and this {$280.00} credit was entirely unrelated to a sign up bonus but instead dealt with a hotel cancellation refund -- with no relation to American Express at all other than it being the card the payment was made to and the refund was sent to. 

Today (XX/XX/XXXX ) I was told that while the complaint was escalated, there was no sign up bonus on my card. This is directly contrary to their marketing and why I signed up in the first place. This is directly contrary to what I was told by an American Express representative on the phone the first time I called. In sum, all of this is misleading and blatantly deceptive. 

All of this should be in American Express ' records.
Product: Credit reporting

everytime i try to get my report it asks me a bunch of quistions about loans i have never had then kicks me off when i say none on the quistion. im afraid there is charges that are not mine on there where it will not let me in called and they want me to go threw a bunch of stuff. i want my report where i was denied credit and should not have to suscribe to there web site to get it like i was told i could pay XXXX and get it. under the fair credit act im intitled to know what is on there