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

My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information. Please also refer to 20 USC 1232g ( b ) on student rights pertaining to privacy. the reporting of my balance and payment information relevant to my student loan accounts is a violation of my privacy which I did not authorize.
Product: Credit reporting or other personal consumer reports

I received alerts on my credit monitoring system and noticed a plethora of inquires that i do not recognize and have not given my consent toward. 
This is a violation of 15 USC 1681B : permissible purpose of consumer reports, and must be deleted immediately. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I was told that I had to open XXXX accounts, and that the automatic transfers between accounts would insure that fees were waived. Instead I was charged dozens of fees. If the banker had opened only XXXX account, as I had asked, there would have been no charges. The fees totaled $ over {$400.00}. When I asked for the fees to be reversed, they reversed only {$62.00}
Product: Checking or savings account

Enrolled in the free checking bundle with an offer of {$300.00} with the First Citizens Bank. The requirements that were I make 10 debit card transactions within 90 days and I did so. They haven't paid and weren't helpful when I messaged them. I want my bonus offer money.
Product: Checking or savings account

Purchased a computer from XXXX for XXXX and two other items totaling XXXX on XX/XX/XXXX with a credit card that I manually entered into the system. 
Noticed when checked bank balance with BB and T that had negative balance I could see that XXXX charged wrong card. Error was noticed two hours after purchase on XX/XX/2019. 
Contacted XXXX they told me they would correct mistake XX/XX/XXXX not fixed contacted company and bank again XXXX told me they couldnt fix it and to return computer Computer was a gift and said item was not in my possession Filed merchant error with Bank was told it could take 120 days and contacted XXXX and was told too bad its your fault you clicked the wrong button and ended the call. To date nothing is fixed and my bank account has maintained a negative balance since XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card company, XXXX XXXX XXXX, updated my payment status from XX/XX/2017 for my credit card account. It should now reflect that the payment for that month was never late, however, it is showing that this account was late during that time frame on my Transunion and XXXX   reports. I have attached the letter received from XXXX XXXX stating that they have requested that this information be updated.
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Payday loan, title loan, personal loan, or advance loan

ace payday loans charge outrageous illegal interest and fees i demand payment to me of {$10000.00} for this fraud
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX Bank : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Credit card or prepaid card

I received a letter and on XXXX XXXX I guess the XXXX XXXX left it on my door.I do n't have a job to make payments or do payment arrangements to send on this Credit Card and it s a old bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX  Account status charge off Date opened XX/XX/XXXX Date closed XX/XX/XXXX. XXXX Past due {$360.00} XXXX XXXX XXXX  # XXXX Account status charge off Date opened XX/XX/XXXX Past due {$480.00} XXXX XXXX  XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX Past due {$0.00} Experian XXXX XXXX XXXX  Date opened XX/XX/XXXX Past {$360.00} XXXX XXXX XXXX # XXXX Date open XX/XX/XXXX Past due {$480.00} XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX Past due {$350.00} XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX Past due {$1200.00} XXXX XXXX XXXX XXXX # XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$360.00} XXXX XXXX XXXX Account status collection Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$480.00} ARS Account status collection Date opened XX/XX/XXXX Past due {$0.00} ( FCRA ) 15 U.S.C. 1681 and Following ) Creditors or collectors are not allowed to report an accurate information to your credit reports under the Fair credit reporting act. I would like all 3 agencies to remove these accounts off my report as soon as possible. And would like to receive a full report of the investigation from sub parties in original creditors.
Product: Debt collection

I am corresponding with you to report a flagrant violation of the FDCPA and XXXX by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, XXXX this company received a letter from me where I disputed the accuracy and validity of this account which is the result of the fraudulent activity which has reported on my credit report and asked that they block the account from my credit report. The company has done nothing and in violation of my rights have kept reporting this account as a valid account on my credit report. This company continued to report this account which is a violation of FCRA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to freeze my account but they wont answer with a human to find out why. I have tried every phone number. The number in XXXX kept hanging up when i did start talking about needing to freeze my account. I had lifted the freeze on XX/XX/XXXX until the XXXX this year, but i dont need it unfrozen that long. Apparently EXPERIAN doesnt want to freeze my account unless i buy one of thier products because that it the only page they send me to. I have tried filing out the freeze form numerous times, supplying them with the pin they gave me to easily unfreeze and the pin i used to freeze tears ago, but nope they want paper verification that will probably take until XX/XX/XXXX to get there. I dont have a printer and shouldnt have to pay for certified mail to just FREEZE my account. They are rude, obviously understaffered and i believe they are scammers, i mean why are they not using text verifications etc to FREEZE my account. Maybe they tip off scammers to open accounts. I can not beoieve they are allowed to break the law and violate my right to freeze my credit report account TODAY.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a CITI bank card not activated in deceased husband 's old desk drawer with my name on it I was not aware of it. I had my own credit cards. XXXX didn't request it, nor did I. They were the only company who did not write it off. My cards are all deactivated/closed. Either a plant or a premeditated identity theft link to his cr. Line loan.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service violating Consumer Financial Protection Act and Electronic Transfer Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a correction of the following information that appears on my credit report.

I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft.

I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

Please carefully review and remove or correct this information at the earliest possible time.

Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/2017, XXXX XXXX negotiated with XXXX - XXXX regarding my outstanding balance. An agreement was reached and I have been paying my payments monthly since XX/XX/2017 without any interruptions. However, XXXX is showing my account as a charge off even though they are currently taking and receiving payments for my account. This is causing stress and time to continually go back and forth with XXXX that I hired XXXX XXXX XXXX to help. To this date, The XXXX XXXX have not been successful either. Please resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had tried to open XXXX accounts, XXXX was business and XXXX was personal at XXXX XXXX, and also at XXXX XXXX. I was told by both banks that I am unable to open account today due to their system reporting back that I am showing up in their system, under CHEX SYSTEMS, and that I am bot able to open the account. 

I have never had this problem occur ever, and I also am aware that I DO NOT have an outstanding balance with any Bank or any Credit card company, in fact my credit score is above XXXX. 

I work for XXXX XXXX XXXX and XXXX  as a XXXX XXXX in XXXX XXXX and maintain my credit and history is very important. 

I have had Identity Theft done to me in the past were I had notified all 3 Credit Companies, Social Security Office, WA DMV, Federal Trade Commission about Identity Theft and How I was a victim of it. I had also filled out ID theft Victim Document and notarized it to provide to all the company 's as well. Their were credit cards and many credit inquiry 's that were happening to my account which I was unaware of. Some one was using my identity. 

I had then noticed that their was an account opened with XXXX XXXX under my name which I never was aware of and never did I open this account or authorize anyone to open it on behalf. Their were transactions happening on that account and someone was actually using it as a bank. I immediately contacted the bank and notified them of the situation and sent in all the documents, and instead I was told that this is false and they do not believe me. 

I had then checked again 2 months later and then their was an account under XXXX opened recently under my name, and prior to that their was XXXX account opened some time back as well. I then again filled a police report and filled ID theft. I called XXXX XXXX left a message several times and never heard back. I also notified 3 credit company 's about this issue and they replied within a timely manner. 

It has been one thing after another, XXXX bank finally resolved the issue and took me off their system, but I am still showing at Check Systems and it shows that Washington XXXX had sent over a complaint against me to put me under check systems, but I never banked with XXXX XXXX and I did contact XXXX XXXXl and let them know that along with Check systems but nothing has seemed worked and has only caused problems. 

I would like to have my name removed from Check Systems as I never opened an account with XXXX XXXX or XXXX or XXXX, I bank with only XXXX XXXX and have been since 2004. 

I need check systems to remove my name off the list as son as possible so I can bank with other banks and not have a problem. 

Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

All student loan accounts were marked as closed for an entire XXXX XXXX and were reopened as of XXXX. This is illegal and inviolation of my consumer rights. Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 168 1b 2. This company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. Info was marked as accurate which in inaccurate and I am entitled to cure forthwith and henceforth.
Product: Debt collection

I am writing to bring to your immediate attention a matter of utmost concern and frustration regarding the persistent reporting of fraudulent account on my credit report. I have previously submitted clear and comprehensive evidence proving that this account was the result of identity theft. To my dismay, these fraudulent entry persist on my credit report with your bureau, despite other credit bureaus acknowledging and rectifying the issue promptly. 
XXXX XXXX  XXXX XXXX XXXX  XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
It is perplexing and disheartening that your bureau has not taken similar corrective measures, especially when other credit reporting agencies have acknowledged the legitimacy of my identity theft claims. This inconsistency in reporting raises serious concerns about the effectiveness of the investigation process undertaken by your bureau. 
I demand an immediate and thorough investigation into this matter and the prompt removal of the specified fraudulent accounts from my credit report. The failure to execute a proper investigation and correct these inaccuracies is not only damaging to my creditworthiness but also raises questions about the adherence to the Fair Credit Reporting Act ( FCRA ) standards.
Product: Credit card or prepaid card

We have two zero-interest promotional balances on our XXXX XXXX card issued by Comenity. Early in the process of paying the balances down, I called the card issuer and confirmed over the phone that their process was to 1 ) apply the minimum payment to each balance, and then 2 ) apply any extra funds to the promotion that would expire first, which is standard practice for any card I've had a promotion with in the past. Over the next number of months, after I spoke with them, I made over-the-minimum payments to pay down the balance that was set to expire in XXXX, but when I checked my statement I saw that they had not been applying the payments correctly. They were applying the smallest minimum payment to the balance that would expire first and everything else to the newer balance. I called them to try and rectify the issue, and they transferred money from one plan to the next for the incorrectly applied past payments, but when I asked them about future payments, their solution was for me to " call every time I make a payment to ensure it gets applied correctly, '' which I have been doing every month since then. The oldest balance expired on XX/XX/2020, so in an attempt to make sure it was processed correctly, I made the payment over the phone with an agent and told her exactly how to apply the payment. She assured me it would be done correctly and the balance would be paid off before the expiration date. I called back again a few days later, still before the expiration date, to double-check that it was done how it should have been. This agent told me she saw the notes in the account from the previous agent and assured me it would be processed correctly, but there was no way for her or me to see that until a new statement was issued. This morning I received my new statement, and of course, they have applied the smallest minimum payment amount to the balance that expired in XXXX and everything else to the newer balance and charged me interest on top of it. They make no apologies for processing my payments incorrectly, despite the multiple calls I make every month, and they certainly don't seem to do anything to rectify the issue going forward. I'm trying to figure out why it's my responsibility as a consumer to call a credit card issuer *every month* to make sure they apply my payments correctly *per their own policies* AND still get charged interest because *THEY* can't get it right. This is a predatory practice and takes advantage of consumers, even responsible ones who are doing everything they can to manage their finances appropriately. I have had no satisfactory action taken in response to my complaints directly to the issuer.
Product: Credit reporting or other personal consumer reports

Experian has in accurate information on my report that I dont recognize. I have attempted to contact the credit agency with hopes of removing the discrepancy. Please assist
Product: Checking or savings account

I am writing to formally express my concerns regarding the sudden closure of my bank account with Navy Federal Credit Union ( Access number : XXXX. XXXX, I was informed that my account had been closed without any prior notification or a valid reason provided. This decision has caused me significant inconvenience, as I have relied on my account with Navy Federal for my financial transactions and budgeting.

Throughout my membership with Navy Federal, I have maintained my account responsibly, adhering to all account terms and conditions. To my knowledge, there were no issues that would warrant such an action, nor was I given an opportunity to address any alleged concerns. I respectfully request a full explanation as to why my account was closed and that you reconsider this decision. 
The lack of clear communication regarding this matter is concerning. Additionally, I am requesting guidance on any remaining balance and the next steps to retrieve my funds, as this was not addressed upon closure. I kindly ask that you respond to this complaint with an explanation within XXXX  days, as well as information on any appeals process that may apply. 
Please feel free to contact me directly at XXXX via email at XXXX should you need any additional information. 
Thank you for your prompt attention to this matter. I hope that we can resolve this issue amicably and that I can continue my membership with Navy Federal.
Product: Credit reporting or other personal consumer reports

The unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX were still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.