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

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX XXXX and equifax to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.
Product: Credit reporting or other personal consumer reports

his notice to opt out was sent to all companies listed on XX/XX/XXXX. IN VIOLATION OF 15 USC 6802-15USC 6805 ( OPTOUT ), THE PRIVACY ACT OF 1974. AND IT IS ILLEGAL TO REPORT TRANSACTION HISTORY WITH OUT THE WRITTEN CONSENT OR INSTRUCTION OF THE CONSUMER. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 SF/LEAD BANK XXXX XXXX XXXX XXXX SELF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient  is the worst bottom feeders in the world. I submitted my paystubs for 2 months and bank statements. I was working with  XXXX  in a special department. I called her every few weeks since management was supposed to be reviewing my submitted documents. I got someone on the phone and she reviewed my documents and set me up on rate reduction program at 2.5 %. I can not afford the full payment and without being in this rate reduction program I can not pay anything towards balance and the amount I owe is going up. After paying for a month, I called in today to find out why I got a late fee. He told me that I was denied the rate reduction program due to being in it twice in the past few years. He canceled my automatic payments. I can not afford to pay on my loans at this time, the loans will sit. I chose to feed my family and roof over head more than pay on a loan that lies and hurts people.
Product: Checking or savings account

I have been managing my mother 's checking account for the last year, my name is also on the account, as far as I can tell there have been numerous overdraft fees attached to her account due to fraudulent checks that were cashed by the bank. I have spoken several times to the fraud department with very little help, no correspondence on claims filed. We have closed the account and opened a new account and still the problem persists. Checks that were ordered have never been received! Checks have been ordered twice in 2022 for the new account and still never received. When we notify the bank all they say is wait a couple of more weeks. Her savings account has been drained by overdraft fees!
Product: Checking or savings account

On XX/XX/2021 I opened a claim with capital one about a damaged pendant I had received from a seller in a mall. I told them that I returned the damaged pendant to them the very next day I bought it and was refused a refund. Which is why I initiated a chargeback. The customer service rep I spoke to apparently put that I kept the item. Ive called multiple reps to fix this misinformation yet none have. The only response I had gotten is that the charge amount was correct and that they would be reversing the credit they gave me. They said they requested pics of evidence from me for the first time the claim was opened but Ive told them I never received an email stating that. So the claim was opened a 2nd time. I then sent pictures of the damaged item for the dispute on XX/XX/XXXX to the bank as evidence and they claim they never received the email even though I have PROOF that I sent them the email with the pictures. After tons of calls I sent them that proof yesterday and today they said they denied my claim for the final time and will not be reimbursing me cause they said they cant find an issue. The customer service Ive dealt with at Capital One has been horrible and I want my money back.
Product: Checking or savings account

On XX/XX/2021 my debit card was used for 5 unauthorized transactions : 4 transactions for {$100.00} and 1 transaction for {$200.00}. On XX/XX/2021, after the transactions settled, I submitted a written confirmation of error for each transaction via email to XXXX, as outlined within their Deposit Account Agreement. A claim including 4 transactions ( 3 transactions for {$100.00} and 1 transaction for {$200.00} ) was filed XX/XX/2021. On XX/XX/XXXX, I spoke with a Dispute department representative and their Manager. I was advised that because I did not specifically request to initiate a dispute claim within the email previously submitted or via inbound call, a claim was never filed and an investigation never initiated. The Manager was unable to answer straightforwardly answer how a claim was initiated on my behalf on XX/XX/2021 if this was the case. I was also advised that because the 4th transaction for {$100.00} was not included in the claim filed XX/XX/2021, a new and separate claim would need to be filed for this transaction which, again, further extends the timeframe allotted for provisional credit and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XXXX I sent dispute letters to the bureau in regards to each account. They responded with by sending me a credit report saying that they were verified. In XXXX I responded with another dispute letter stating that if you verified I would like a hard copy and method of verification. The bureau responded with again another credit report stating that each account was verified. I have rights and and under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), to have the bureau provide proof of each and  every account within 15 days. If not all accounts should be deleted. The bureau has not provided any type of proof of any account on my report besides the word verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX account # XXXX and 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 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX XXXX My score dropped from XXXX points from XXXX to XXXX in the last 20 days. 

I have less than {$3000.00} collections. 
100 percent on time payments. 
No Bankruptcy. 
No loans. 
No Mortgage which was paid on time when I did have mortgage. 

Again this is discrimination, I have supported docs of my current situation. 
As a now XXXX first responder close to 30 years. 

I now still remain XXXX 
Now need knee XXXX. 
Still have pending XXXX claim since XX/XX/year>.
Product: Credit card or prepaid card

i made a purchase and ended up returning the item. i was confirmed e mail from seller i was refunded chase bank claims they refunded my credit card but the bill does not show a credit according to the numbers new balance i meant and its not the first time they have done this they will tell you what you want to hear but does not corispond to what they actually do. just sick of them pulling XXXX every now and then. because they know its very hard to really have anything done about it in my opinion
Product: Credit card or prepaid card

On multiple occasions Credit Karma has pre-approved me for credit cards when thats wasnt the case. I would then proceed to apply and get turned down in the end. Its very frustrating
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

Subject : Immediate Attention Required Violation of Privacy Protections Under 15 USC 6801 and 6802 Dear [ XXXX, Transunion and XXXX ], I am writing to demand immediate action regarding a grave violation of my privacy rights under 15 USC 6801 and 6802. It has come to my attention that my private information has been unlawfully furnished to your agency without my explicit consent and without the required documentation. This is a blatant breach of the Gramm-Leach-Bliley Act ( GLBA ) and demonstrates a reckless disregard for federal privacy regulations. 
Under 15 USC 6801, financial institutions are unequivocally required to : Ensure the security and confidentiality of customer records and information. 
Protect against any anticipated threats or hazards to the security or integrity of such records. 
Guard against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
Furthermore, 15 USC 6802 explicitly prohibits the disclosure of nonpublic personal information about a consumer to non-affiliated third parties unless the consumer has been provided with a clear and conspicuous opportunity to opt-out of such disclosure. You have failed to ensure that the information furnished to you complies with these mandatory requirements. 
Your failure to adhere to these requirements has resulted in the unauthorized dissemination of my personal information, thereby exposing me to potential harm and inconvenience. This breach of privacy is not only unlawful but also subject to significant penalties. Under the GLBA, non-compliance can result in fines of up to {$100000.00} per violation for the institution, and individuals, including directors and officers, may be personally fined up to {$10000.00} per violation. 
I demand the following actions be taken without delay : Cease and Desist : Immediately halt any further unauthorized sharing and use of my personal information. 
Investigation and Rectification : Conduct a thorough investigation into this violation and provide a detailed account of your findings. 
Policy Review : Review and update your privacy policies and procedures to ensure strict compliance with the GLBA and other relevant privacy laws. 
Confirmation of Compliance : Provide written confirmation of the measures taken to rectify this breach and prevent future occurrences. 
Failure to address this violation promptly and adequately will compel me to pursue further action, including filing a formal complaint with the Federal Trade Commission ( FTC ) and seeking legal recourse to protect my rights. 
I expect a comprehensive response within 15 business days from the date of this letter. Should you have any questions or require additional information, you may contact me at [ XXXX ]. 
This matter is of the utmost seriousness and urgency. I trust you will handle it accordingly. 

Account that Need to be Removed immediately XXXX XXXX XXXX
Product: Debt collection

today XX/XX/XXXXXXXX  spoken with XXXX representative from Glass mountain capital XXXX XXXX XXXX about a XXXXXXXX XXXX  phone that was returned thru insurance I tried to get another phone XXXX  told me that they were out of them so I had to pay XXXX dollars for a XXXX which is paid off Now they say I still owe XXXX for a phone that has not been in stocks or working and that I had given back to them this last year around this time in XXXX  The company is XXXX XXXX XXXX XXXX I was told by XXXX that as long as I returned the phone the debt will be cleared because I was forced to pay my last {$200.00} for the XXXX ..this is is hindering me for getting what everything that needs to be done would like this removed please
Product: Debt collection

I opened a XXXX XXXX credit card XX/XX/XXXX, and fully paid the principal as well as all late fees XX/XX/XXXX. The bank decided to wait to put this towards my balance until the day after another late fee was issued. After {$340.00} in late fees ( which was over double what my account limit was which was a {$100.00} spending limit ) it was sent to Midland Collection agency. Comenity bank says they have no access to any payments that were ever made and Midland says that only the bank has access to my payments and amounts. The collection agency was sold this account on XX/XX/XXXX, yet did not report it to my credit until XX/XX/XXXX.
Product: Debt collection

This collection appeared on my credit report from a company I have never heard of. I have contacted them and asked for proof of the debt and have not received any information, only a demand for payment or they will leave it on my credit. It is severaly impacting my credit score and I feel as if I am being extorted for money that I do not owe.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer with the right to privacy. 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, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. 
XXXX XXXX, TRANSUNION, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding these 2 accounts. The continued inaccurate reporting of these 2 accounts shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a 1099-c from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payment and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish. 

These financial institutions have violated the following Federal rules and regulations 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication 4681 The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. 
These companies have made my life difficult in reporting this account for the for almost 6 years. Now it is XXXX and I'm not able to get my family what they need
Product: Credit card

Synchrony Bank has enlisted an attorney by the name of XXXX XXXX to sue me and file a civil lawsuit against me where the statute of limitations in Oklahoma has passed. This is a time barred complaint and by doing so this seems not only unlawful, but appears to be a violation of the FDCPA. Synchrony bank has had lawsuits before for sketchy and unfair business practices and it appears they are doing so again.
Product: Credit card or prepaid card

I have an account with Synchrony Bank. I have three store cards that process through Synchrony. There is also a Synchrony app, where you are supposed to be able to make payments. I only have a balance due on a Care Credit card. To use the app, you have to enter your Synchrony account number. This is a problem, since I NEVER RECEIVED A SYNCHRONY card. I don't know if it was lost in the mail, mis-delivered, or something else. Any email corresponcence they send, has only the last 4 digits of the account number. Trying to get past their XXXX  digital assistant is nearly impossible. This means the only way I can make a monthly payment, is to get on with somebody, via chat. It takes forever to accomplish this. All I need is for them to send me a duplicate Sychrony card, and I think I'm good. But, YOU CAN NOT get to a human when calling their number. Look at theri XXXX account and you can see, I am one of hundreds with similar issues.
Product: Credit card

I had a very hard time setting up a successful autopay for my BofA business credit card account. I set it up online in XXXX XXXX, and the payments were never sent. I set it up over the phone, and still got charged late fees. They eventually refunded the late fees but the difficulty in setting up a successful autopay is borderline devious.
Product: Credit card or prepaid card

I received an credit offer from Fifth Third Bank at zero interest good through XX/XX/XXXX and on XX/XX/XXXX I went to my Bank and accepted the offer.

Since accepting the offer I have to go into the bank and have them reverse the interest charges and they ca n't seem to resolve the issue and I 've spent countless hours trying to resolve the situation.
Product: Credit card or prepaid card

Dear Team, I have received lot of pre approved/ pre selected offers from below companies in email from Experian. but when i applied to them i was denied and it caused me accumulating Inquiries on my report -XXXX XXXX ( Secured Credit Card ) - XXXX XXXX Dear Team , I  had a credit Card with XXXX XXXX for which i was Late for XXXX  payment in about 2 years they closed my account and Marked my account for Late Payment when i was out of country. which badly hurt my Credit Report. i request XXXX XXXX  to remove the Late Payment as it was not deliberately done. the Customer service representatives from XXXX XXXX put me on run around for couple of months and asked me to apply for new account etc which caused me to add Hard inquiries on my account. 

- XXXX XXXX Credit Card
Product: Debt collection

I 've reported these people before. You have open complaints. I received another call this morning at XXXX XXXX. Here 's the transcript : Hello, This is XXXX XXXX XXXX we have some paperwork listing your name and address that 's involved with an investigation that requires your immediate attention we need a return call back from you, so that we can report you 've been cooperative and compliant in our investigation. Our office number is XXXX, Please reference file number XXXX when calling. Have a good day.
Product: Student loan

I took 3 loans each for {$5000.00}, {$2500.00} Interest paid {$2500.00} interest not paid from Wells Fargo, starting in XXXX. I got a good job in XXXX for XXXX XXXX 's and I began to pay on the loan I paid {$500.00} every pay period for the next 5 years. Has nothing to do with it my daughter was killed in XXXX I got a call from Wells Fargo I told them I am glad you called I lost my job they said I need to make loan current so I paid {$320.00} over the phone, it was not for another 6 months I found out it was a company selling my loan to another and I also found out I owed {$10000.00} still!! Wells Fargo sold my loan to another company also and I was paying them so someone has ALOT of my money somewhere, I don't know what to do? 


Did research I think these are people who called pretending to be Wells Fargo Student Loan : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Direct ) # XXXX
Product: Bank account or service

On XXXX XXXX XXXX this year I made a donation in the amount of {$1000.00} dollars to XXXX XXXX XXXX XXXX, TD bank mistakenly deleted my account in the amount of {$10.00}. I contacted Td Bank on XXXX at XXXX a.m. I spoke to a woman named XXXX. She advised me in 3-5 business days the remaining {$990.00} dollars would be debated and corrected. On XXXX I spoke to a man XXXX who stated the matter had been corrected and he would send me a canceled check I should receive in 3-5 business days. The check number XXXX, the number I called to speaks to all these individuals was XXXX XXXX. On XXXX XX/XX/2015 I received a letter stating the {$990.00} was debited from my account. I called XXXX XXXX and they had not received the balance of {$990.00} dollars as of XXXX XXXX. I called Td bank at the number in the letterXXXX XXXX, the letter was sent from : Td Bank XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. I spoke to a woman named XXXX at XXXX [ XXXX XXXX on XX/XX/2015.She said this would take a month to resolve. This is totally unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX