23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have had an XXXX XXXX Platinum card since 1981. Only yesterday I discovered that they discriminate against some of their platinum card holders by not offering them promotions that they offer other platinum card holders. Specifically, I did not receive an offer to purchase airline tickets with XXXX XXXX points at a XXXX % rate than normal that was offered to other platinum card holders. This is discriminatory
Product: Debt collection

Exeter Finance is sending me emails related to one of their account holders " XXXX XXXX '' - I am not XXXX XXXX and do not know any XXXX XXXX. 

I emailed them. I also called them. When I tried to explain this to the account representative, he advised that they can not delete my email from their account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I OBTAINED AN AUTO LOAN ON XX/XX/2019, IT IS NOT REPORTING ON MY CREDIT REPORT, I NEED THE AUTO LOAN THAT I HAVE WITH XX/XX/XXXX TO BE REPORTING ON ALL THREE OF THE CREDIT BUREAUS,
Product: Debt collection

On XXXX of XXXX XX/XX/XXXX of ILLINOIS XXXX XXXX submitted a collection for {$200.00} with Ability Recovery Services. I just recently moved back to XXXX at the end of XXXX, prior to that all my healthcare was on the XXXX base, and since being in XXXX all my care is through the VA. I have great reason to believe that this is not my debt, and I am unable to validate this.
Product: Credit card or prepaid card

I feel that was I was not helped and that no informed properly about my Credit Cards payments. When I talked with someone they told me that they would talk with IT and IT was do an investigate and see if I could work out a payment plan. if not they would call me back I never received a call back about the payment. They are not taking money out of my account without talking with me. I have more bills beside Navy Federal and Its not fair because I was not properly informed.
Product: Credit reporting or other personal consumer reports

I just received a notification from XXXX telling me that I applied for a loan on a loan website that I did not make, and I do not recognize. I ask that you delete that credit application, as I did not apply for any type of loan. Thank you.
Product: Credit reporting or other personal consumer reports

False Representation of Debt Amount ( 15 U.S.C. 1692e ( 2 ) Communication of False Credit Information ( 15 U.S.C. 1692e ( 8 ) ) Unfair Practices ( 15 U.S.C. 1692f ) :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance {$1000.00} This account is reflecting a banalnce thatr has been paid off. Ive asked them numerous times to please update my balance to XXXX. 

XXXX XXXX Balance {$1200.00} Opened XX/XX/XXXX This is a identity error fraud. This account does NOT belong to me. 

XXXX XXXX Balance {$4100.00} Opened XX/XX/XXXX This account was opened fraudulently and has already been settled with XXXX XXXX XXXX Balance {$81.00} Opened XX/XX/XXXX This account has already been settled with the original creditor. 

XXXX XXXX Balance Balance {$670.00} Opened XX/XX/XXXX This account does not belong to me. 

XXXX XXXX Balance {$780.00} Opened XX/XX/XXXX This account has never belonged to me XXXX XXXX XXXX  Balance {$1400.00} Opened XX/XX/XXXX This account has never belonged to me. 

XXXX XXXX Balance {$450.00} This account does NOT belong to me
Product: Credit reporting, credit repair services, 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. 
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 
15 U.S.C1681 section 602A. States I have the right to privacy.

15 U.S.C1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction 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: Credit reporting

I dispute XXXX XXXX XXXX account it was purchase from XXXX account # XXXX credit report show last payment XXXX. XXXX XXXX XXXX claim last payment XXXX, in reality last payment was XXXX. Because more than 7 years from last activities XXXX and XXXX after investigation remove XXXX account # XXXX and XXXX XXXX XXXX account # XXXX from report. Equifax remove only XXXX but refuse to remove XXXX. Please help.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX Balance {$1800.00} XXXX XXXXXXXX Balance {$35000.00} XXXX XXXXXXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

late payment. XXXX pt drop on experian. i had paid off my discover card and stupidly turned of auto payment. a straggler charge appeared and payment was not made on time. I turned on auto pay and paid my balance in full. approached discover via experian w/no resolution to review my account. my account is XXXX XXXX XXXX and has never had a late payment. trying to get someone on chat w/discover and can only get their virtual assistant. this was an honest mistake and now I have problems w/an insufferable corporation who will not provide me any review and adjustment yet I continue to be inundated with relentless solicitations for more credit cards and equity lines of payment, and student loans. I can not believe a company that wont review my account and drops my credit rating is eager to take more of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2022, XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to retrieve my free annual credit report. After filling out the identifying information, my report was generated online. On the online report, there is a large radio button Show Me My Score Now. Underneath the large radio button, there is a hyperlink " Or buy your credit score here. '' I selected the Show Me My Score Now radio button and I was prompted to create an account. I created an account and selected Next. The next page prompted me to give TransUnion a credit card number. There is no information whatsoever explaining costs I will be charged BEFORE giving TransUnion my credit card information. This is totally unacceptable. First, if there a hyperlink " Or buy your credit score here '' under a large radio button Show Me My Score Now, the consumer will obviously think by selecting the Show Me My Score Now button, he or she will not be charged. This display is misleading. Second, even assuming the consumer agrees to pay the fee, there is no information whatsoever of how much will be charged. Costs of obtaining the credit score need to be displayed BEFORE credit card information is requested. This is a classic " bait and switch '' tactic and totally unacceptable, especially in view of that this is my credit history information and affects my life in many ways.
Product: Credit reporting

I was CLOSING my XXXX checking account in XXXX 2015. I accidentally overdrew the balance when I was trying to CLOSE the account. 
This overdraft AUTOMATICALLY triggered the opening of a {$500.00} overdraft protection loan account called a line of credit. I DID NOT NEED OR WANT this line of credit, but it was automatic, and very untimely.. I PAID the overdraft in full as well as the {$500.00} balance to close the line of credit. Instead of CLOSING the line of credit, XXXX kept it open. In XXXX, 2015, I spoke to XXXX XXXX, manager of the XXXX Bank at XXXX XXXX, XXXX, Tn, and he told me the line of credit was CLOSED. He is the BRANCH MANAGER. 
I now see the line of credit LISTED on my credit report. This is INCORRECT. IT IS A CLOSED ACCOUNT. It was a BANK ERROR on behalf of XXXX, and they asssure me that it is NOW corrected. PLEASE HELP! THANKS XXXX XXXX
Product: Debt collection

I have received zero notice regarding an alleged debt. This alleged debt is not only unfamiliar to me, yet this alleged debt from Credit Management, which according to XXXX XXXX originated from XXXX XXXX for the amount of {$XXXX}. 

I have ZERO KNOWLEDGE of this debt. I received no debt validation letter from either company. According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) creditors are required by FEDERAL LAW to verify, through the physical verification of the original signed consumer contract - and any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or e-mail in a fraudulent account. 

Your blatant disregard to positively verify this alleged account has hurt my ability to obtain credit and dramatically decreased my credit score, which has directly impacted by ability to obtain credit, during the Covid-19 pandemic. Shame on XXXX, Credit Management, and XXXX XXXX. 

Under FCRA, unverified accounts MUST be removed. I demand effective immediately this unverified account be removed from my account effective immediately, and my credit score GO BACK UP the 17 points it has dropped. 

This is despicable behavior.
Product: Debt collection

Noticed on my credit report that Allied Collection XXXX XXXX XXXX is requesting that I pay XXXX. I have never received any collection notices and have disputed this bill with XXXX for incorrect billing. Im trying to purchase a home and I cant afford to pay for charges that I have never received and that are not valid which is fraud.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of loans, a credit card, and any other accounts from : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {$650.00}. 

The accounts in question have led to multiple hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have provided a list of these fraudulent accounts reflected on the report maintained by your agency. I do not recognize these accounts, collections, or hard inquiries as reported. None of these accounts, collections, or hard inquiries were opened, initiated, or authorized by me. They are entirely the result of identity theft and fraud. As evidence, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, confirming that all the mentioned accounts, collections, and hard inquiries are linked to identity theft and fraud, as verified by the XXXX Federal Trade Commission.
Product: Student loan

I have one student loan remaining and it incorrectly shows that I was in forbearance for a period of 2 years. I was not in nor did I request to be in forbearance for one loan during this time period. I requested and received a complete record via a Dept of Ed FOIA request and it and it listed all payments were made to the account during that time. I've submitted complaints and requests for re-review but the review has been stalled for months. 
For reference, my other two loans that were paid at the same time and in one payment were already discharged but this one was somehow left out. The loan was transferred from XXXX to XXXX and then to Mohela, however the error occurred before this when the loans were held by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO PROVIDE METHOD OF VERIFICATION I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by XXXX, Transunion, and Experian agencies in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) ( 7 ) filed with Federal Trade Commission to be more specific, based on the FCRA 611 ( a ) ( 2 ) ( B ), Transunion, XXXX, and XXXX  were required to forward all the relevant information provided by Transunion, XXXX, and XXXX to the creditor for their investigation of my dispute. Please provide me a complete copy of all information that was transmitted to the data furnisher as part of their investigation, as requires by FCRA 611 ( a ) ( 7 ) : What certified documents were reviewed to conclude their investigation? Who did they speak with? What was the date? How long was their conversation? What was their position? What number did you call? What is the name of the employee that spoke directly to the creditor? What is the position of the employee that spoke to the creditor? This inaccurate reporting has caused me to serve financial and emotional distress. Please reply within 14 days to the above questions and delete the following items! 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a Navy Federal Credit Union Account about XXXX XXXX  ago. I also used it to start an AUTO BILL PAY for my XXXX XXXX XXXX. So the XXXX auto debit was suppose to taken out on XX/XX/2022. XXXX text me on my cellphone on XX/XX/2022, that the {$210.00} was successfully debited from Navy Federal Credit Union checking account. Now I am being told today by XXXX that XXXX DIDN'T RECEIVE THE {$210.00} AND I STILL OWE THE {$210.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I LIVE IN THE XXXX XXXX, XXXX. WHICH IS FULL OF XXXX XXXX  THEY ARE MESSING WITH ME AND MANY SENIOR CITIZENS HERE. EVERY XXXX WHEN GOVERNMENT BENEFITS COME OUT, THE SENIOR CITIZENS HERE IN THE XXXX, AND XXXX HAVE A Stung OF WAR WITH THE XXXX XXXX, WHETHER IT'S YOUR FAMILY, ASSOCIATES, OR STRANGERS. 
COULD YOU PLEASE ASK NAVY FEDERAL CREDIT UNION TO STOP ALLOWING SENIORS TO BE ROBBED? I AM NOT STAYING WITH NAVY FEDERAL CREDIT UNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I actually review CFPB complaints for a large mortgage company so I will make this concise. Recently I decided to look into financing/purchasing a rental property. Upon checking my credit score ( as one does during this sort of process ) I noticed that My Equifax score is dramatically lower than all other reporting agencies. I will upload a pdf labeled CFPB 1 showing a roughly XXXX point difference between Equifax and the other reporting agencies. When i looked into what had caused the decline of the Equifax score the issue got even more confusing. As item labeled CFPB2 shows, Equifax is reporting that the reason for the decline in my credit score with them is due to me paying down a balance I have on a credit card by a conservative amount of only {$100.00}. How is my credit score decreased due to myself making a payment towards my balance?! is Equifax trying to make people crazy? Lastly, when you call Equifax you can never get a person that can speak English or understand it for that matter. Is that even legal?
Product: Money transfer, virtual currency, or money service

Cashapp frequently blocks people from sending or receiving money from individuals, mainly those who are sponsored. They simply don't know what constitutes as fraud/scams and sending money to a friend.
Product: Payday loan, title loan, or personal loan

It came to my attention during the repayment to mypaydayloan.com, that the loan that they had given to me was illegal in my state of residence. Having already more than paid off the principle balance of the loan, and struggling with their illegal interest rates, I sent them a registered letter revoking their ACH authorization. I also demanded that they cease and desist any and all attempts at collections to this account. This was in XX/XX/2019. They have now contracted a 3rd party debt collector, however, XXXX XXXX. XXXX XXXX calls and makes threats about showing up at my house with legal papers.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists 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  are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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, XXXX, XXXX 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 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: Money transfer, virtual currency, or money service

I opened my Coinbase account in XX/XX/XXXX. Last time I had access to my account was about a year ago. I have been unable to acces the the account because I have a new phone number. Their website verification has been broken for at least 2 months. 

After a few weeks of trying to verify my identity through their site, I started a tech support ticket on XX/XX/XXXX. 

They rep had been unhelpful and had not responded in several weeks - no fix has been made. 

Coinbase has effectively stolen my money/bitcoin. They have no intention of helping me get into my account and releasing my funds. 

You can reference Coinbase support case number : XXXX Please help me. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple names on my credit report that are not my nor names I have ever used. As of XX/XX/2022 I have sent letters to the bureaus and they have not corrected these errors. It's been almost 40 days with no response. 
My name is XXXX XXXX Names that appear on my report are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of those people are me
Product: Credit reporting or other personal consumer reports

Recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that transunion will investigate this account further for me to ensure accuracy. Here is the account that I am asking you to verify as accurate : XXXX  XXXX # XXXX