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

I obtained a copy of my consumer report on the date of XX/XX/year> that is reporting numerous innacurate negative accounts. This has not only damaged my right to extend credit but it has made me loose hope and trust within the banking system. I have been denied for credit cards and home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that your company ASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according to 15 USC 1681 ( a ) ( 4 ).

I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy. 

I am giving your company the opportunity to make this matter right by way of the following : * REMOVE ACCOUNTS * REMOVE LATE PAYMENTS * REMOVE INQUIRIES
Product: Credit card or prepaid card

I have reached out to American Express recently and they did not address my issue. American Express is in violation of 15 USC 1666d. I requested my balanced by zeroed out each month per the law, American Express is in violation of my rights as a federally protected consumer. I never stated I wanted my account closed. Now I am demanding that my account be left with a balance of {$1.00} each month.
Product: Credit reporting or other personal consumer reports

XXXX is reporting false information to the credit bureaus. They are reporting that my account is 90 days late in payment when that would be Impossible because federal student loan payments were on pause until XX/XX/2023 under national administrative forbearance relief and today is only XX/XX/2023. Furthermore, because of this, my credit score has dropped tremendously, and now has become a burden on me.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Im the consumer submitting this complaint on behalf of myself without any third party being involved. The listed accounts was furnished without my written consent or authorization nor permissible purpose see attached with the identified companies who are improperly furnishing this information to my consumer report without lawful authority or my written consent which is a result of identity theft. I have disputed this information with all 3 credit bureaus partner companies. Below I have attached a copy of my identity theft report from the FTC. Pursuant to 15 USC 1681e ( b ) accuracy of a report is required. Pursuant to section 313b of the FACT Act it was enacted to mandate in a manner which consumer reporting agencies & furnishers of consumer information to the CRA 's are complying with the procedures, timelines, and requirements under the FCRA for the investigation. The FCRA does not require furnishers to report to CRA 's but if they do report to them, they must comply with certain provisions of the statute. You have 4 days in accordance with 15 USC 1681c-2 to remove this fraudulent information from my consumer report. 

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 or other personal consumer reports

There is a hard inquiry on my credit score report from XXXX XXXX XXXX  on XX/XX/year>. This inquiry is fraudulent and I did not authorize it. I called TransUnion requesting to investigate but they refused to do anything about it. I called again and they don't even have any record of me requesting a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

UNKNOWN ACCOUNTS : XXXX XXXX Bank SS Account # XXXX {$5000.00} XXXX XXXX Account # XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX {$350.00} XXXX Account # XXXX {$2800.00} XXXX XXXX  Account # XXXX {$25000.00} UNKNOWN INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XXXX all my loans were current as of today XX/XX/XXXX I show two of my loans are past due. I received no mail or email or phone correspondent saying that my loans were past due. When I called them today they said they've been having some issues with their system so it may have not updated but they now are wanting double payments. These loans have been in non-payment status because I have been in school so I did not even receive anything in the mail saying that these loans would be due again. I can not afford {$1000.00} in loan payments. The only thing they are willing to offer me is forbearance which really does not help the situation. This issue is in regards to the following loans : XXXX XXXX XXXX
Product: Student loan

Source of dispute information : Navient Solutions , LLC Type of disputed information : Inquiry Dates associated with item being disputed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Explanation of item being disputed : This loan was issued under predatory pretenses. Navient Solutions lacked transparency about unfixed and variable interest rates. I was not given valid information about repayment options and was consistently given increased minimum payments despite reaching out to lenders as an attempt to keep the loan in good standing. 

The account with Navient Solutions monthly payments exceeded monthly gross income. I experienced financial hardship due to job loss and as well as the continued financial hardship due to the coronavirus pandemic. Reached out to the company about lowering payments so I can keep the loan in good standing but there was an issue with lowering monthly payments. I have even attempted to set up a payment delay with the lender but was unable to do so.
Product: Credit card or prepaid card

I currently have a Barclay 's Advantage Aviator MasterCard XXXX. I contacted them on XX/XX/2020 to submit a billing dispute for services I did not receive from XXXX XXXX. The two charges occurred on XX/XX/2020 and were in the amounts of {$960.00} and {$30.00}, respectively. Despite repeated phone calls to Barclay 's at XXXX, they did not credit my account while the dispute was in process, nor did they send any written correspondence to me as is typical with credit card companies. They also transfer me to different departments or to a person who I can tell is situated in another country ( confirmed as XXXX ) and will not provide their full name for me to document who I spoke with. Additionally, Barclay 's is taking over 10 business days to process ANY credits from ANY merchant. On the other hand, Barclay 's rapidly processes charges. I believe they are not complying with the Fair Credit Billing Act.
Product: Student loan

I 'm getting no where with these people.. they are AWFUL. I have tried NUMEROUS times to qualify for the income base repayment plan.. Every single time they have lost my paperwork, sent me the wrong paperwork, they placed my loans back in default.. they have accused me of being at fault for all of this.. IT IS FEDLOAN! STUDENT LOAN. GOV!! I ca n't even get into either of these accounts anymore! They have screwed up my password!! I am so lost right now i have no idea of what to do.. they want thier money back then they need to fix their XXXX XXXX system! This whole entire situation has been a NIGHTMARE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to " A Summary of Your Rights Under the Fair Credit Reporting Act '' : You can dispute inaccurate information with the CRA. If you tell a CRA that your file contains inaccurate information, the CRA must investigate the items ( usually within 30 days ) by presenting to its information source all relevant evidence you submit, unless your dispute is frivolous. The source must review your evidence and report its findings to the CRA. ( The source also must advise national CRAs- to which it has provided the data- of any error. ) The CRA must give you a written report of the investigation, and a copy of your report if the investigation results in any change. If the CRAs investigation does not resolve the dispute, you may add a brief statement to your file. The CRA must normally include a summary of your statement in future reports. If an item is deleted or a dispute statement is filed, you may ask that anyone who has recently received your report be notified of the change. 

It has been more than 30 days and TransUnion has instructed me that it is not their job to investigate when " 15 U.S.C. 1681-1681u '' states otherwise.
Product: Student loan

I was sent a letter of garnishment in XXXX from PHEAA ( XXXX XXXX XXXX Assistance XXXX ) i went on a repayment plan of {$260.00} per month and then changed it to {$190.00} per month in XXXX due to financial issues. when the XXXX act went into effect i forego my payments while the student loan forgiveness was being battled out, the repayment was not supposed to restart until XXXX XXXX XXXX they have since continually tried to take monies out of my account since XX/XX/XXXX despite being informed that per the XXXX XXXX that these were not supposed to restart. 

Then i was contacted by my agency department of defense that my loans are still showing as default despite my making payments since XXXX and the deferment per the CARES act. In addition when i checked my loans with PHEAA they are still showing the same original balance of $ XXXX despite my payments over the past years. This is fraudulent and no one is answering my questions or able to provide justification.
Product: Credit card or prepaid card

I have a credit card ( ending in XXXX ) with Discover Bank. 

There have been several issue with this card and Discover is handling this very poorly. 
My credit line is {$3300.00}. A couple of weeks ago, I paid for some airlines tickets ( total $ 1,600.00+ ) through XXXX , so my balance was a little higher than that. That means I still had approximately {$1200.00} credit. 
Due to some glitch ( es ), either on the XXXX or the Discover side, a duplicate charge for the same amount showed up on the credit card which effectively went over my credit limit. It stayed there, pending for approximately 1 week before Discover/XXXX  removed it. Discover said it wasn't them, that it was the merchant although I still can't figure out why they'd let them attempt to charge me twice without texting me about either of the charges to approved or deny ( as they've done in the past ). 
Finally, the duplicate charge was removed after about 7-8 days which means I still had approximately {$1200.00} in credit. 
I had a couple of charges from other merchants that got rejected because of the XXXX charges. But now I hoped I could start paying bills. Well, not really. Because even though my credit should be the one mentioned above, Discover says I only have {$6.00} credit. There are no charges on my card and as you can seen, the billing activity only shows $ 1,700+ in charges. As of now, it looks like my card has been blocked due to these various issues for about 10 days. 
I don't understand why Discover keeps doing this. It's not only bad math and that's alarming enough coming from a credit card company but it's an unfair, sneaky, misleading practice that is putting me in danger of incurring late charges from merchants that I can't pay because of this problem. 
Why was I not protected from the duplicate charge from XXXX? Once that got removed, why is my credit only {$6.00} when it's supposed to be {$1200.00}? Why is Discover taking so long to update my account and why am I not being notified of potential issues with my credit line? 
Again, this is not the first time this has happened. Even though Discover says I have credit for XXXX, I've seen that when I go over {$2000.00}, my credit gets blocked. When I ask questions, their explanations usually seem designed to shut me up or mislead me as to what's really happening with my credit. 
I want my card unblocked and my account updated with my real credit line. If my credit line is really only {$2000.00}, then why is Discover making me think it's {$3300.00} and then doesn't let charges go through? And I would really like real time updates to my account history and more expediency resolving billing/transaction issues ( not 8, not 10 days to resolve seemingly simple issues ). 

Thanks
Product: Credit card or prepaid card

On XX/XX/XXXX an approved charge was made to my account in the amount of {$2500.00} USD. Subsequently, I paid my credit card balance in full on XX/XX/XXXX in the amount of {$3000.00} USD. The merchant later refunded my initial purchase of {$2500.00} USD on XX/XX/XXXX leaving my account with a large credit balance of {$2500.00} USD. 
After speaking with multiple representatives via phone and chat, I understand a technical glitch exists in their system that does not permit me to be issued a refund check for the overpayment ( credit balance ) because of a payment installment program I have for unrelated merchandise that will complete sometime in XX/XX/XXXX. Although the payment installment plan allows for an early payoff, Goldman Sachs can not process this because of the existing overpayment. I was informed that my only solution was to allow the installment plan to complete naturally in XX/XX/XXXX and then request a refund check for any remaining amount. 
Although I understand the technical limitations involved, neither reason should prohibit the exercising of my rights guaranteed by the FTC : promptly credit or refund overpayments and other amounts owed to your account when your account is owed more than XXXX XXXX. If you prefer a refund, it must be sent within seven business days after the creditor receives your written request. 
Today, XX/XX/XXXX I send a certified letter requesting this refund check be processed.
Product: Debt collection

I have been contacted by Continental credit control in regard to outstanding balances owed.The original creditor is XXXX XXXX XXXXThere are 5 accounts total.When these accounts were transferred to Continental credit.Continental grouped them into one master account.I am trying to settle each one individually.However XXXX XXXX at extension XXXX informed me that they dont do that.I have made a few attempts to work with them.However have been unsuccessful.Since there is only one master account.I asked XXXX XXXX why 2 accounts were being reported to the credit bureaus.A solid answer could not be provided to me.I spoke to XXXX XXXX today in regard to this account.The total owed for these 5 accounts is XXXX.I asked her why 2 accounts were on my credit report since there is only one account.This is being reported inaccurately and I would like this resolved.Thankyou for your assistance.There phone number is XXXX XXXX XXXX.
Product: Checking or savings account

Regions charged me XXXX in fees when I havent even went negative yet. Then wanted to give me a hard time about! Asked me well maam what do you want me to do?! I said GIVE ME MY MONEY! THATS WHAT I WANT YOU TO DO ABOUT IT! Then they proceeded to tell me, well I can only refund XXXX XXXX time only! Well I am sorry but this wasnt my fault. 

This has happened more than XXXX. I do remember getting a refund XXXX time. I dont fell like they should charge overdraft fees for every charge that is pending just the charges that you dont have enough money to cover.I have been with regions for a while now. I dont know how many times this has happened but I do know that this is the last time it was a large amount out overdraft charges at once. 

As you can see on the photo I had attached I had enough money in my account to cover all charges but the last one. So I feel like I should have only be charged XXXX fee. Instead of XXXX. This caused me to get farther behind on my bills and caused me a lot of stress. 

I am sure they owe me way more then that from over the years but I dont know how to go back and look it up.
Product: Checking or savings account

Banks Chose to not Verify XXXX XXXX  and XXXX XXXX XXXX  the Bank refuse to verify any class of people they dont like the Banks Violate Fedral and State Laws and International Laws when Bank make zero effort to verify people that are not easely Verifiable excluding Clases of XXXX  XXXX and XXXX XXXX XXXX  ..... 
I have a XXXX Credit Score there 100 % no Valid Reason the bank cant Verify me, The Bank Should request a Coppy of my ID and Utility Bills I Tried to Open a High Intrest Savings acount with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and nobody can verify me. 

The Banks Can Only Verify People that own Houses and Have Steady Jobs. 

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

Account name Citi XXXX/CBNA Account number XXXX XX/XX/2016 was closed Address XXXX XXXX  XXXX XXXX XXXX, SD XXXX Phone number XXXX I never had and account with them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is listing my mortgage twice ... .all my credit cards ar enow closing my accounts because it shows false information of me having two mortgages. I want to sue either XXXX or the my mortgage furnisher for damages to my credit score and limits and balances. during corona im already having troubles now this ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to list a derogatory report on a vehicle that was sold in XX/XX/2016 and has not been my responsibility for three years. I have addressed the issue with the company that performed the predatory loan `` XXXX XXXX XXXX '' and am considering joining one of several class action suits against this company. 
The XXXX that they claim that I owe is fraudulent and I want Experian to delete this account from my record. 
To date ; I have lost Five Job offers due to this and will sue in Small Claims if I can not afford to do anything else with it. 
In my last dispute, I included the proof that I have no responsibility for this vehicle which has been sold four additional times after I sold it as per the department of Motor Vehicles, to no avail.
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 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 I don't recognize any of them since I suffered abuse by these companies to request my credit report without my consent
Product: Consumer Loan

I bought a car originally through a dealership and signed a contract for certain terms and a loan. Then we decided on a different car through the dealership and filled out new paperwork and signed the paperwork on the new car and loan. The loan was right for the first 2 months then I went back to the wrong loan price with the wrong Vin. I have been in conatact with capital one and the dealership with no resolution as of yet. This process has been going on in excess of 3 months. I think I am finally making headway no that I am at the presidents office at Capital one but I want to make sure it does n't hit a roadblock or get stuck on someone 's desk for another 3 months
Product: Debt collection

I am a XXXX XXXX old unemployed and XXXX individual who is trying to start up a new business. It would be a consulting business run by my sons and using my years of experience and lessons learned to advise organizations on how to quickly solve ongoing problems while making their employees happy. 

I started to organize the new business, never having owned my own business before, by using on-line companies who help new businesses get started. I started by using XXXX to create an LLC. They recommended using XXXX to do the accounting work for my new business. Then It was recommended that I use Bank of America 's Small Business Banking Services to help me start using XXXX XXXX ( which was new to me ) and Checking. So I contacted them explaining I had never had my own business before and was n't sure what to do. 

Bank of America had me talk to a number of people in different departments to get started, but it was a confusing and complicated process, and I was never sure what was going on, and told them so. Then, having conducted no business at all with them or anyone connected to them, Bank of America sent me a notice that I had overdrawn my account and owed them money. I tried calling to clear up this error on their part but kept getting transferred to other people. Now I have a bill in the mail saying I still owe them for overdrawing my account. I am attaching their latest warning with this application for help. 

Thank you very much. 

XXXX XXXX