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

In accordance with the Fair Credit Reporting Act XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/2024 Made a XXXX on the XXXX. On the XXXX the same amount was debited. My loan was paid in full on the XXXX with that XXXX payment. I requested the double payment reimbursement and they told me that I would have to wait 30-60 days. Meanwhile I have had to borrow money to bring my bank account current and will need to make my XXXX of the month living expenses. They said the reimbursement was being processed however it takes one day for them to receive why would it take 30-60 days to refund. Knowing the way the representatives talked down to me on the phone when requesting answers on an over charge in interest they hung up after have a very dismissive attitude along with XXXX star rating online I know they will maliciously hold my funds that were basically fraudulently pulled for the max 60 days. I need help. This company is not on the up and up. Interest charges dont add up. The company is Launch servicing, https : //launchservicing.com/
Product: Credit card

I booked a flight through XXXX on XX/XX/2017 which was XXXX leaving XXXX to XXXX on XX/XX/2017 returning on XX/XX/2017 arrived @ airport@XXXX. for catching plane@XXXX. went to ticket counter to get boarding pass & ask if i could take my XXXX suitcase on with me, agent said yes get to XXXX lotion was over the amount to travel so i went back to ticket counter to check the suitcase in agent stalled me & said she is processing to check luggage then she said i 'm sorry it 's to late to check in & if i check your luggage you will miss your flight i replied that I have enough time to catch my plane can I speak to a supervisor, she replied she is at the airplane boarding passenger she is busy she will be with me after she finish, XXXX was the supervisor, she stated to me she will not be able to help me its nothing she can do about my plane leaving & i can call customer service to re-book another flight, & told her staff lets go we are officially closed, I sat in that airport calling customer service I spoke to XXXX explained the action of XXXX staff she stated she would refund my monies for the inconvenience, & put me up in a hotel & there would be no charge for checking in my luggage i did n't leave i waited for the counter to open@XXXX. spoke to XXXX the supervisor, explained what XXXX said & stated there would be notes to confirm, XXXX said to me it will not be valid if i want to catch a plane the best i can offer you is standby & you need to pay & XXXX for the XXXX passenger & {$30.00} to check in your luggage i replied I had a round trip ticket paid, so i was force to pay amount on XX/XX/2017 I wanted to get home I contacted my credit card services elan credit card services ( Gateway Metro Credit Union ) to file a dispute on XX/XX/2017 I have been giving the run around for an entire month being shuffle from card member services representatives XXXX to supervisor, ( XXXX ) of Disputes I was told that they will figure out how to get monies return to me because they are not sure what it would fall under instead i was given the run around to send in rebuttal i did by fax still denied so I am reaching out to get a resolution to receive all my monies that have been paid to XXXX, I also am complaining the actions that elan credit services taken on XX/XX/2017 had terminate the use of my credit card i feel this is so disrespectful as being a customer.
Product: Credit card

To Whom It May Concern, I am writing to file a formal complaint regarding the closure of my XXXX XXXX XXXX ending in XXXX, by Navy Federal Credit Union ( NFCU ). I was shocked to discover this closure only upon calling NFCU on XX/XX/2024, to request a replacement card after graduating from their hardship program. 

The representative I spoke with informed me that my credit card had been closed as of XX/XX/2024, without any prior formal notice provided to me. It is deeply concerning that I was not informed of this significant decision affecting my financial affairs. As a loyal customer of NFCU, I expected better communication and transparency regarding such matters. 

Furthermore, it was disconcerting to learn that a letter regarding the closure was allegedly sent to me on the same day as the closure itself. However, as of the date of my conversation with the NFCU representative, I have yet to receive any such correspondence. This lack of timely notification compounds the frustration and inconvenience caused by the sudden closure of my credit card account. 

This closure not only disrupts my financial stability but also has negative implications for my credit report. Such impactful changes to a consumer 's credit profile should not be made without explicit notification and consent. It is alarming that companies like NFCU have the ability to make unilateral decisions that significantly impact consumers ' creditworthiness without their knowledge or consent. 

Moreover, I find it particularly troubling that while NFCU routinely contacts me via messages and phone calls for payment reminders, something as crucial as the closure of my credit card account slipped through the cracks. This discrepancy in communication raises serious concerns about NFCU 's priorities and practices regarding customer service. 

Additionally, I sought clarification from NFCU through their XXXX XXXX service on the same day, expressing my concerns and frustrations. However, the representative I spoke with advised me that once a card is closed, it is a permanent closure, and the only way to regain the card is to reapply, which would result in another credit inquiry. 

I followed the representative 's advice and wrote to NFCU through their internal message portal, requesting reconsideration of the closure and the reopening of my card. I believe that during a time when many individuals are facing economic hardships, NFCU 's actions are unjust and exacerbate the challenges faced by consumers. 

While I am hopeful for a resolution to this matter, I must express my concern regarding potential retaliation from NFCU. I sincerely hope that my complaint will be addressed fairly and objectively, without any adverse consequences to my remaining accounts with NFCU. 

I am reporting this incident to the Consumer Financial Protection Bureau ( CFPB ) and request that appropriate action be taken, including the reopening of my credit card account. I urge NFCU to reconsider its decision and provide me with the opportunity to continue utilizing my XXXX XXXX XXXX 

Thank you for your attention to this urgent matter. I anticipate a prompt and satisfactory resolution.
Product: Mortgage

Have an issue for paying the rest of the mortgage because of the covid-19 and i will be great if i can see any help thanks.
Product: Checking or savings account

On XX/XX/2022 my checking account and identity were compromised. A transfer from my savings to my checking account among several unauthorized fraudulent charges were made on my Chime bank account. The total amount of the fraudulent charges came to {$1800.00}. My account information including phone number, pin number and password were changed without my knowledge or permission. 
On XX/XX/XXXX the next morning when I started receiving emails that my balance was low, I called Chime to resolve the issue, and found I did not have access to my account. The customer service representative would not allow me access to my account without proving the last five transactions, which I could not provide for lack of access to my account. On XX/XX/XXXX, I was able to call again and finally received instructions over the phone that if I wanted to regain access I needed to prove my identity through picture ID. I did so, was able to reset my password and found the fraudulent charges and my bank account drained. 
I then called Chime again with this information disputing the charges on my account, providing the service representative on the phone with each fraudulent transaction. Chime filed the dispute. On XX/XX/XXXX and XX/XX/XXXX I received two separate emails from Chime about the dispute. They claimed that there was no error found and the amount recorded for the dispute came out to only {$1300.00}. It also was missing a disputed transaction. I made a rebuttal email asking to re-open the claim as the charges were made in Colorado, and I live in XXXX NY. I was able to obtain proof from my manager at work showing that I was at work in XXXX  on XX/XX/XXXX when the charges were made. 
On XX/XX/XXXX, I received a response from Chime stating that there was still no error. The amount of the claim was still incorrect. I requested the document used to investigate the outcome of the claim. In that document they stated their reasons for denying the claim. The reasons stated were either false, did not address the document I provided about my location, and were not evidential. 
I have filed a police report ( case # XXXX ) with the XXXX XXXX XXXX XXXXocal police department. I am still awaiting the official report. I have attached all corresponding documents to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation was done more than XXXX days and yet not has changed, my credit report still has incorrect, misleading, inaccurate information that violates my rights...
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB  XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have a unverified unknown fraudulent account XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am not sure who took out these account for business or credit but they are not mine please delete. 
I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The accounts are 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've reached out to these companies and have not received any type of feedback.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Global Lending has been reporting on my credit that the account is past due even though I have disputed the account due to the fraud that occured when account was opened. The company continues to tell me they are waiting to get in contact with the car dealership ( XXXX XXXX ) to have them cancel out the contract. I was told by a man name XXXX in the escalation department that he was going to remove the negative status on my credit, When I called in about it I was told by a manager he never made any note of it. When I told her last week that i ha proof he said it she said she was going to go back and pull the call and call me back, when she called me back she heard him say it. It was reported deliquent around XX/XX/2020, Even though i had filed the compalint with Consumer Financial Protection bureau on XX/XX/2020 disputing the debt and their practices and then i had been complaining for months.
Product: Student loan

From XXXX XXXX, during the XXXX student loan interest forbearance, my student loans continued to accrue interest and deduct interest from my payments. I continued to make payments on my loans and interest continued to accrue and be deducted from payments. I attempted to contact the company during this time with no response except that there was an error. Shortly after, my loans were transferred services.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

for a while i was being billed monthly charges from Bank of america. I addressed these charges and they were waived as i was told that i needed a direct deposit totaling a minimum of $ 250/month. So i started directly depositing {$120.00} from each payroll check that totaled $ 250/month. I received another charge last month and called in to BOA. I was told that i was misinformed and that it is supposed to be $ 25/pay period/deposit. So, again, i revised my contributions to $ 250/pay period to meet their requirements even thought i was misinformed. I called in today about the charge and was informed that i am out of luck and that they have already refunded charges before. That was not at my request but at a branch managers decision to retain me as a customer as i was there to close out my account. Regardless, i was told XXXX thing to avoid the monthly fees and i did exactly what the representative stated. Then i was charged again, so i switched again and was informed that i may get another charge and to just call in. I spoke with XXXX at BOA in their California call center who was polite but refused to assists. I cant help but have concern for myself and others in regard to receiving incorrect information from BOA and then turning around and charging customers for their under-advised reps. I would like for my account to be credited the monthly maint fee as i did what they asked every time. I would be open to a class action suit to see if others were experiencing this bad business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

INCORRECT INFORMATION IN MY REPORT. ACCOUNTS : XXXX {$14000.00}. XXXX {$11000.00}. XXXX XXXX  XXXX {$11000.00}. XXXXXXXX XXXX XXXX  {$800.00}. XXXX XXXX {$800.00}. XXXX XXXXXXXX {$11000.00}. XXXXXXXX XXXX {$4800.00}. XXXXXXXX XXXX {$3000.00}. XXXX {$6200.00}. XXXX {$900.00}. XXXXXXXX XXXX {$16000.00}. XXXXXXXX XXXX $ XXXX XXXX {$7500.00}. XXXX XXXX XXXX {$800.00}. XXXX XXXX XXXX {$5900.00}. XXXX XXXX {$300.00}. XXXX XXXX {$76.00}. ADDRESSES : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

After reporting fraud investigation transaction results in the account closed, I was unable to contact nor get any response from customer services, for copy of tax documents, currently has caused a big Debt with the Internal Revenue Service.

PLEASE HELP
Product: Credit reporting or other personal consumer reports

This concerns LexisNexis. In or about XX/XX/XXXX and XX/XX/XXXX I placed a security freeze on my account with LexisNexis On two seperate occassions , LN released personal inaccurate information to XXXX and XXXX while the security freeze was in effect. I have reported this to LN but have not received a response yet.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian and XXXX  everything that they ask me to send them to show that I was a victim of identity theft
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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Debt collection

I pulled my credit report on XX/XX/2018 and noticed some collection accounts that I have never heard of before. The collection company in question NCC BUSINESS SERVICES claims that I owe money to them for a bill that I have had in the past. I demanded that they validate the debt under the FDCPA on XX/XX/2018 via a letter sent regular mail, they never replied. They continue to keep this account on my credit report to this day after several rounds of letters to them demanding that they validate this debt. Now that this has gone on this long I am filing a complaint to have this debt removed from my credit report.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continues to report incorrect information about me. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX GA XXXX any other information that is being reported is not correct and is causing me harm. I have previously sent several disputes and complaints yet neither consumer agency responded this is my final complaint before I initiate litigation for this matter.
Product: Debt collection

I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated.

I implore you to ensure the resolution of this matter within the legally mandated 5-day timeframe. I trust that you will act in accordance with the law. 

I am writing to dispute certain accounts on my credit report that I believe are the result of identity theft. After thoroughly reviewing my credit report, I have identified several accounts that do not belong to me. 

XXXX XXXX I request that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I have already taken steps to report this identity theft to the relevant authorities like the FTC. 

Thank you for your immediate attention to this matter.