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

I am filing a complaint with the New York State Attorney General and speaking to a lawyer because Comenity Bank system has been down going on three months I along with hundreds of others can not make a payment through their website through easy pay or with customer service however they refuse to take responsibility and instead are reporting me as delinquent to the credit reporting agencies as well as having pulled a hard inquiry without my permission which they stated it was an error and would be removed which it has not. I have attached a video of me clicking on a link from an email sent to me by comenity in order to pay my bill which is a broken link. This has been sent to me numerous times and I have only been able to contact comenity through XXXXXXXX XXXX and have let them known about this
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my ChexSystems consumer credit report sent to me via mail.
Product: Checking or savings account

I am filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have encountered. Despite having sufficient when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
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 : OFFICE OF THE ATTY GEN Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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: Debt collection

Earlier last year an account popped up on my credit report that I did n't owe. When I tried disputing the account through the credit agencies, I got some letters back stating that I owed this money. For months I tried to fight it and could n't get anywhere so I hired a company a few months ago called XXXX XXXX XXXX to look into this debt for me. 

Back on XXXX XXXX of 2015 XXXX, who I will refer to as XXXX, sent the collection agency NCC Business Services my authorization to speak directly to them. A few weeks later XXXX. tried calling NCC so they could discuss the account and NCC kept giving them the run around about how they had n't received the authorization. Finally on XXXX XXXX a representative named XXXX from NCC answered the call and spoke with my representative XXXX about the debt. My representative asked for debt validation and an itemization of the debt. He was given an e-mail to ask for this validation and itemization. My representative did so and has awaited for this itemization. He was told 3-5 business days as a time frame to receive this itemization and he never received it. 

On the XXXX of XXXX my representative then called NCC again as he had not received the itemization and re-requested it. again he was given the same e-mail as before which is XXXXXXXXXXXX. Again he was told to request the itemization by e-mail from a representative named XXXX. Again he did so. He was also told by the representative XXXX that no prior e-mails were received by his company even though the e-mail provided was confirmed as the correct one. XXXX also reiterated that it would be 3-5 business days to receive this e-mail. 

On XXXX XXXX my representative called once more as he had not received anything again. He got into an argument with the collector as again he was being told that no request for itemization was ever received or " uploaded into the system. '' Because they had failed to provide the itemization within their own allotted time frame, and because they were n't even acknowledging that they had indeed received a request for validation, I am now submitting this complaint to you so you can look into their failure to adhere to the F.D.C.P.A. they are jeopardizing my credit and they ca n't even prove that this debt is mine! 

I will provide you with all the e-mails and phone calls my representative forwarded me so you can see that NCC Business Services is not doing their job properly and breaking the law by reporting an account they ca n't validate.
Product: Credit reporting or other personal consumer reports

In the matter at hand, the Consumer ( XXXX  ) alleges continued inaccuracies and material misrepresentations in credit reporting by Experian for the XXXX XXXX ( XXXX ) account/tradeline with the corresponding account number ending XXXX. Despite multiple disputes and clear evidence of inaccuracies, Experian has failed to correct the information, resulting in significant harm to the Consumers creditworthiness, financial stability, housing stability, employment, and health. Experian is the only XXXX that continues to persist inaccurate, incomplete, and facially false information for the account/tradeline in the files it maintains and disseminates regarding Complainant. XXXX and XXXX removed the account/tradeline altogether. Although XXXX and Experian fixed the majority of the errors in XXXXXXXX XXXX subsequent disputes of the remaining errors yielded reinsertion of the same erroneous data as before which included facially inaccurate information. A detailed demand letter and supporting documentation are included.
Product: Checking or savings account

I sent out a bill payment on XXXX to XXXX credit card. Lending club decided to take a review of my account. They reviewed the account and cleared it of fraud. However my check was rejected a month later on XXXX and XXXX is now charging me a {$39.00} fee. If XXXX 's does not waive the fee I want Lending club to cover it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are affecting my Credit score on two credit reporting websites including Equifax and XXXX. On XXXX XXXX I was pre approved for a credit card by XXXX XXXXXXXX and denied due to my scores reflecting my school student loans that should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that these items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account advises that I opened XX/XX/XXXX. I've sent credit reporting letter from XXXX XXXX to have removed as it's reporting negatively on my file as I never gave permission to report. I've not received any correspondence from the company as of XX/XX/XXXX.
Product: Credit card

I applied for a CITI Simplicity credit card with the intention of using the balance transfer offer. I submitted my application online. As I was waiting for my approval status, the website refreshed and provided me with an error message. I then called CITI credit card applications customer service to notify of the issue and to find out the result. I was notified that I was approved for a {$2000.00} credit limit. I notified the customer service representative that I would like to request that the limit be increased. I was told I needed to wait until the card arrived in the mail then to call back with the request. About one and half week later I received the card and placed a call to customer service like I was told. It took XXXX attempts for me to be able to speak to a service representative. The first XXXX attempts, I was on hold for 40 minutes and could not hold any longer. The XXXX attempt, my call was answered in 10 minutes. I then requested for my line to be increased to {$7000.00} because the reason for me in applying is to perform a balance transfer and {$2000.00} is not enough. After providing additional information, I was notified that I was not approved for the increase. I asked the representative about options on how I could withdraw my application and I was told that I needed to withdraw my application the day I submitted the application. She said that my account was already open and I can not withdraw my application. This is troubling because I was told I needed to wait for my card to arrive in order to negotiate the credit limit. However, I was never notified that there was no option to withdraw the credit application if I did not like the terms and conditions. Other banks always have provided the opportunity to withdraw a credit application, im not sure what makes CITI different.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr has repeatedly reported that I was XXXX  and XXXX  of a crime. I was actually found not guilty and the case was sealed by the judge. The only permitted access to have knowledge of the XXXX and/or court proceedings, is only to be known by law independent snd no outside of government agency is allowed to possess, report, or give knowledge of any of the events of the case. 
They refuse to remove the XXXX information and have caused me financial and XXXX problems and had kept me from obtaining and remaining gainfully employed multiple times over the past several years. Snd they still refuse to remove the false and sealed files.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I discovered that a collection account was posted by XXXX XXXX XXXX ( XXXX ) to my TransUnion consumer credit report. The report indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from XXXX regarding this collection account. However, based on the information provided by XXXX to the three credit bureaus, this debt is not mine. Together, the credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to XXXX by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. 

I submitted a dispute regarding the collection account referenced above to TransUnion via certified mail on XX/XX/XXXX ( see attached supporting documentation ). 

As a XXXX  supporting the COVID-19 response, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this notice on XXXX XXXX to let it be known that I feel my authority and confidence in the credit reporting business is and has been undermined through means of unfair and deceptive practices. I've been viewing my consumer report and its relationship between XXXX XXXX : XXXX, XXXX and Equifax. I reviewed my credit report and saw that you guys still furnished the same information that I disputed upon request for proof of the information being violated on XXXX XXXX when I sent a complaint to the Consumer Financial Protection Bureau ( CFPB ) and also to XXXX and Equifax. via certified in regard to the inaccurate information and how XXXX and Equifax did not do a proper Investigative Consumer report. I do not recall that XXXX and Equifax. haven't sent out any further communication with me as the consumer in regard to an investigation consumer report. Since XXXX and Equifax. haven't verified the information stating how they came up with the conclusion that the information was accurate there's been numerous financial intuitions stating that I am not credit worthy as a consumer for an extension of credit due the fact that there is information on my consumer report that's negatively impacting my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt. I do not deal with debt collectors via telephone, I explain that I only deal in writing and to send me the details of the alleged debt. This debt was sold to them by XXXX  XXXX. The company claimed that I owed for something I disputed with them. I have yet to receive any written communication from them. I have recently had negative hits on my credit report from XXXX XXXX. I have not been given the proper documentation and they are taking illegal action to place this on my credit report without going through the proper procedure of debt collection. 

Please have them provide physical evidence that I have a legal obligation to pay XXXX XXXX. That is exactly all I need. Please provide me with the name of a written agreement, signed contract with XXXX XXXX, the money owed, and license number. If they can not provide this information or fail to reply to this validation request within 15 days upon receiving the notice, this account must be deleted completely from my credit report.
Product: Debt collection

The company LVNV funding, has bought numerous uncollectable debts from companies and is now reporting negative information on my credit report with no validation made on the accounts. I have a collection for {$1000.00}, from " XXXX XXXX '', - which was an account that fell behind when my husband XXXX XXXX   and became totally XXXX. There was XXXX protection on the initial account, as well as protections in place through the military lending act, as well as the SCRA- since my spouse was XXXX XXXX. The original creditor never applied any of these protections and now this company has purchased the debt and is trying to collect a debt- with no regard to these credit protections for service members. 
There is another debt showing for {$360.00} for an account that says " gettington '' - that I have never heard of nor received any validation for. Only a negative mark on my credit report. 
This company is buying debts that aren't even legally collectable. I have already made disputes, with no resolution made.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. I am demanding a deletion of the following account. Here is the account that I am asking you to verify : XXXX XXXX XXXX XXXX : acct # : XXXX
Product: Mortgage

I have sent this company a written request for information and validation of the debt and proof of claim i owe the debt to them. It has been 4 weeks with no response other than the calls to pay a debt that they wont validate. I know that my loan is paid off but this company is threatening to take my home. They have never produced any disclosures or contracts between myself and them.
Product: Credit card

The Discover credit card has been charging us cash advance APR of 24.24 % at a variable rate for years now and it is more than the minmum payment. We have not used the card for years and ca n't seem to pay it off because of this issue. I spoke to their management and was told if we pay more, than amount would go to minmum payment not the balance which would keep us in the vicious circle of the interest rate taking all of the payments. Can you help us ...? we are willing to pay more but want the balance to show signs of going down and the APR to go back to regular APR 13.49 %. Again we have not made any cash advances on this card for years. We have been with them since 1987.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Fraudulent Accounts : Account Name : XXXX  XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$4100.00} Account XXXX XXXX Fraudulent Accounts : Account Name : XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$1900.00} Account Number : XXXX XXXX Fraudulent Accounts : Account Name : XXXX XXXX XXXX XXXX  When Account Was Open : XX/XX/XXXX Amount : {$370.00} Account XXXX XXXX Fraudulent Accounts : Account Name : XXXX  When Account Was Open : XX/XX/XXXX Amount : {$800.00} Account Number : XXXX Fraudulent Accounts : Account Name : XXXX  When Account Was Open : XX/XX/XXXX Amount : {$390.00} Account XXXX Fraudulent Accounts : Account Name : XXXX  When Account Was Open : XX/XX/XXXX Amount : {$680.00} Account Number : XXXX Fraudulent Accounts : Account Name : XXXX  When Account Was Open : XX/XX/XXXX Amount : {$430.00} Account Number : XXXX Fraudulent Accounts : Account Name : XXXX  When Account Was Open : XX/XX/XXXX Amount : {$680.00} Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Suntrust Bank with account # XXXX with a balance of {$570.00}. 
The reporting of this account is in violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( i ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Suntrust and XXXX ( Person ) is violating federal law pursuant to [ 15 USC 1681 ( a ) ( 2 ) ( i ) ] under the FCRA by reporting or furnishing " information solely as to transactions or experiences between I ( consumer ) and the person making the report ( Suntrust and XXXX ). The statue clearly states this should be excluded from the consumer report. 

Remove the illegally reported information immediately before swift legal action is taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my credit card had suspicious activity with XXXX. I called XXXX and reported the fraud charges. XXXX never called up to take down the information and in XX/XX/XXXX I received a credit card statement showing a balance of {$6.00} being owed and they said if we didn't pay they would close the card. 
My wife called as the account is through her but it was my card. XXXX said that they would fix it. This went on for months until XXXX when we got another statement saying we owed the same amount. Again my wife called and they had already closed the account that was paid in full, XXXX balance with a {$6000.00} credit limit and reported me as delinquent to the credit bureau. Again XXXX said they would fix it. 
Fast forward to XX/XX/XXXX my wife spoke with XXXX again as I had tried to apply for a small personal loan and was denied, the reason was XXXX. 
The lady my wife spoke with helped her over a 2 hour period to ensure they would get this handled. What my wife found out was XXXX never reported the original charges in XX/XX/XXXX as fraud. As it's been too long now they can't report them the usual way so they had to go through a special department within XXXX to get it handled. My wife called again today, XX/XX/XXXX, and XXXX pretty much said we can't help you. 
I would like them to fix the credit card and reinstate at the original {$6000.00} with the interest we had originally. Take off the delinquent charge and report as fraud like it should have been done originally. Then they need correct the credit issue so my credit is fixed! 

Everything was via phone call and all the notes are in our account under my wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

I was injuried on the job and covered by worker comp. XXXX sent the XXXX bills to me, so I called them and wrote them that they need to send the bill to The XXXX, as the bills are covered by workers comp insurance. They continued to send me bills monthly for awhile. Then they turned the bills over to the XXXX XXXX XXXX whom in turn allowed the false record to become a part of my credit history. I spoke to XXXX several times over the last few years and they failed to take actions to contact the people that sent the false report to them or take any action to correct the mistakes. There are XXXX bills that came from the same day over the same injury, and both from XXXX. After a few years I found out that the false records were still on my credit report, as I got turned down on my credit applications, and also got higher interest rates for credit I did get granted. I again called XXXX to complain and file disputes with credit reporting agencies. XXXX finally deleted XXXX of the false bills but left the other. This is not fair nor lawful. I am paying higher interest rates on XXXX credit issues because of them false reports not getting the proper attention from the XXXX XXXX XXXX and the report credit score agencies, ( XXXX, Experian, and XXXX, as far as I know. 
XXXX XXXX XXXX : item # XXXX ( recently deleted ) and case # XXXX which is still listed.
Product: Money transfer, virtual currency, or money service

In XX/XX/2021, XXXX XXXX stock ( XXXX XXXX ) experienced a short-squeeze in which it increased in its value exponentially. I had shares in XXXX  XXXX  and Robinhood halted trading for XXXX stock to which I was not allowed to sell my positions ( and therefore make money ). 

This was a scam on Robinhood 's behalf because they falsely-advertised that their users are able to make money through buying and selling stock, but on the opportunity where I could have made a lot of money, I was locked out of selling my positions until the XXXX stock price went back down. This is illegal. Robinhood convinces people to open an account with them but misleads them into thinking they are protecting their users from market volatility when something like this happens.