23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Department of U.S. of Education is reporting innacuraye negative derogatory information on my credit file with all XXXX bureaus. They have accounts listed as 120 days late thro ugh XXXX XXXX. I have contacted XXXX XXXX via telephone provided them my identifying information such as my social number and there is no RECORD OF LOANS WITH THEM. I am asking that they remove ALL LATE PAYMENTS FROM ALL XXXX CREDIT BUREAUS FILE. Also XXXX accounts have been removed from experian please remove from transunion and equifax. They are also reporting accounts opened XX/XX/XXXX and XX/XX/XXXX. Which also do not belong to me and past the 7 year reporting mark. I am requesting the DEPARTMENT remove all XXXX negative INNACCURATE deragoratory.. 120 days late..past due balances..accounts off all my credit file..MY FCRA RIGHTS HAVE BEEN VIOLATED
Product: Credit card or prepaid card

Comenity Bank has TOTALLY SHUT DOWN, you can not access your account at all on line to check balances or pay your bill. 

No customer service get a message due to " unforseen circumstances they are closed ''. They have have messages out there for the last two weeks that they are conducting a system upgrade!!! PLEASE HELP!!! this is so unacceptable, they give you NO alternate way of paying your bills, people are scared!!!
Product: Credit reporting or other personal consumer reports

Dear CBNA, I am writing to address a concerning matter regarding an inquiry reported by CBNA, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation.

Firstly, I require documentation proving that I provided express written consent for CBNA to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal.

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying CBNA to remove this inquiry from my file within four business days.

Furthermore, it has come to my attention that CBNA neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to CBNA. Failure to provide this information will leave me with no alternative but to initiate a level XXXX audit on my account. 

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action.

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX Balance {$270.00}, XXXX XXXX XXXX XXXX XXXX {$2500.00}, XXXX XXXX XXXX Balance {$730.00}, XXXX XXXX XXXX XXXX {$4600.00}, XXXX XXXXXXXX XXXX XXXXXXXX {$1000.00}, XXXX XXXXXXXX XXXX XXXXXXXX {$660.00}, XXXX XXXX {$2500.00}, XXXX XXXX Balance {$280.00}, XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am writing to complaints on wrong information on my credit report. Following addresses inaccurate and not my current or correct addresses : XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXX, FL XXXX. The following inquiries areon my report that were not applied for by me : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE REMOVE AND DELETE ALL INACCURATE INFORMATION IMMEDIATELY
Product: Debt collection

Subject : Response to Unauthorized Access and Disclosure of Information Dear Eastern Account System, Thank you for your response. However, I maintain that my primary concern lies with the unauthorized access and improper handling of my personal information in violation of the Fair Credit Reporting Act ( FCRA ) and Gramm-Leach-Bliley Act ( GLBA ), as well as potential state privacy laws.

The FCRA and GLBA, along with state privacy laws, impose strict guidelines to protect consumer information from unauthorized access and disclosure. Unauthorized access and use of my information without my explicit authorization raise serious concerns about data protection and compliance with these regulations. As such, unauthorized handling of my information by Eastern Account System or any other third party can subject both entities to criminal and civil penalties. 

Request for Further Investigation and Action I am formally requesting that : Eastern Account System undergo an investigation to determine if unauthorized access or disclosure of my information has occurred. 
Criminal charges be pursued if it is found that my information was improperly accessed or shared with XXXX XXXX without my explicit consent. 
While I understand that Eastern Account System may have processes in place for notifying consumers, it is my position that these processes should not override the fundamental privacy rights outlined by federal and state regulations. My agreement with the original creditor does not grant permission to share my personal information without appropriate authorization or compliance with all legal protections. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I signed up for the XXXX XXXX card from US Bank on XX/XX/XXXX. This card came with an offer of XXXX points for spending {$4500.00} within 3 months ; an obvious incentive to spend on the card. On XX/XX/XXXX, I called the company to warn that I was about to make a large ( {$3000.00} ) payment for a car lease, and then placed said charge. A few days later, my account was locked and then closed. This is a bait and switch tactic, as the account was approved and I was incentivized to spend, and then penalized for doing so. I should note that the account is now paid in full.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 at XXXX PM, my wife transferred a payment of {$500.00} through CashApp to me. We always use CashApp to send each other money. CashApp immediately locked my account that I have had for years. I contacted their support that evening and they advised that it would take 24-48 hours to resolve. I didn't hear anything Friday so, I contacted them on Saturday and was given the same general message of 24-48 hours. I waited until this evening to reach out and was advised 24-48 hours again. The representative then told me to contact my local authorities because they will not unlock my account. They are refusing to release my funds and I have spoken with them through chat, email, and phone.
Product: Student loan

Navient offers a .5 % discount per each loan that is scheduled for auto repayment. I recently realized that my discount was " disqualified '' so I called Navient to determine the reason why they were not applying that discount to my accounts. I must note ( prior to discussing call with company ) that per their website, under " Loan / Borrower Benefits '' the option is direct pay and their is an information button next to it which includes the following information " while in active repayment '' ( 1 ) I am currently in active repayment " you receive a .5 % interest rate discount for making payments via Auto Pay '' ( 2 ) I  am making payments via Auto Pay. So I was perplexed to see that the status of the discount was " disqualified. '' So on the phone with Navient I spoke with XXXX ( spelling?? ) and inquired about the disqualification. I informed her that I was in active repayment and enrolled in auto pay. Which she confirmed that my next automatic payment was XX/XX/XXXX. She stopped talking as if that was the end of the conversation and the answer to my question. So I reconfirmed with her and said so you have confirmed that I am in active repayment and on auto pay, then why is the status of my .5 % interest rate discount " disqualified '' with that question she confirmed the reason I am disqualified is due to insufficient funds. So I asked her when funds were insufficient and she confirmed XX/XX/XXXX. So couple problems here. No where in the documentation available online or the information lists that it is possible to be disqualified from the interest rate discount ( but as mentioned above completely opposite - 2 sets of criteria are required. Active repayment and enrolled in auto pay ). Second problem is that the insufficient date she mentioned is over 1 year ago, and that there is no specific time frame to allow me to be qualified for the interest rate discount. I find this very predatory. They should indicate in writing that there are penalties that would " disqualify '' from the interest rate discount. I find this unnerving that my {$33000.00} dollars of loans with them are disqualified from an interest rate discount because I had the unfortunate incident of insufficient funds over a year ago. Please assist in getting this corrected as again I believe this to be predatory and illegitimate.
Product: Debt collection

I have been a Victim of Identity Theft for many years. I have tried many times to speak with this collection department and have not been able to get a contact person as either I get hung up or they send me to voicemail. I have frozen my credit report for all 3 agencies as somebody is working under my social security number and also getting information.
Product: Checking or savings account

I applied for a personal loan on the internet. I received a email and call from the company approved the loan. While on the phone with the company they already had my SSN, DOB and bank information. The company tells me not to check my bank account till they finish depositing the money into mu account. Then tell me to purchase something with my debit card. Next this i know all my money from my savings was taken using XXXX. I notified my bank of everything and they froze my account but they are claiming no fraudulent activity was done and i have to pay back my money that was stolen. They are saying that wrote bad checks and i need to pay them back so now my unemployment checks are being taken each week im not able to pay for anything including daycare for my daughter. My bank with USAA
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE'S SEVERAL ACCOUNT IN MY CREDIT REPORT ITS BEEN 7 MONTH I BEEN SENDING LETTER REQUEST PROOF THAT ALL THOSE NEGATIVE ITEMS IS NOT MINE ALL THRE CREDIT BUREAU NOTHING WAS DONE. XXXX, XXXX, EQUIFAX ALL THEY KEEP SEND ME YOUR FILE WAS VERIFIED AND UPDATE NO DOCUMENT WAS SENT TO ME PLEASE HELP ME A LOT OF INQUIRY IN MY CREDIT I EVEN SENT LETTER TO THEM NOTHER WAS DONE
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Experian 's failure to properly investigate and correct serious errors in their reporting of my XXXX XXXX XXXX account ( XXXX ). Despite multiple disputes, Experian continues to report mathematically impossible and contradictory information : Key Dates and Actions : XX/XX/XXXX : Account opened XX/XX/XXXX : Last payment made XX/XX/XXXX : Account charged off for {$3800.00} XX/XX/XXXX : Most recent balance update showing {$4500.00} Specific Errors in Experian 's Reporting : Mathematical Impossibility : Account shows as charged off for {$3800.00} Yet reports current balance of {$4500.00} Shows {$4500.00} as past due as of XX/XX/XXXX This creates an unexplained {$720.00} increase after charge-off Contradictory Status : Reports account as " charged off '' Yet continues monthly updates through XX/XX/XXXX Shows increasing balances after charge-off Reports high balance of {$5900.00} post charge-off Timeline of Dispute Efforts : Filed dispute on XX/XX/XXXX Received inadequate response that failed to address mathematical errors Filed follow-up dispute on XX/XX/XXXX Experian continues to verify obviously incorrect information Impact : Credit score damaged by ongoing monthly negative updates since XX/XX/XXXX charge off Denied credit opportunities due to inaccurate reporting Higher interest rates on other credit accounts Financial hardship from damaged credit profile Experian has violated FCRA by : Failing to follow reasonable procedures to assure maximum possible accuracy ( 1681e ( b ) ) Not properly investigating disputes ( 1681i ) Continuing to report mathematically impossible information Accepting monthly updates on a charged-off account I request Experian : Conduct a proper investigation of these mathematical impossibilities Correct the balance and status inconsistencies Address how a charged-off account can show balance increases Provide detailed explanation of their investigation methods. 
Remove inaccurate information they can not verify
Product: Student loan

I was referred to XXXX by XXXX XXXX who I found committed fraud and being investigated by the XXXX XXXX XXXX. XXXX XXXX XXXX or XXXX  XXXX started this whole fiasco, they never paid XXXX and they never placed me in a student loan debt forgiveness program. They did not re-certify me in the Pay as you earn. I struggled to find the right repayment program. I finally found one and XXXX refused to accept the program and told me that I had to pay the amount {$250.00}.
Product: Credit card or prepaid card

TD bank credit Cash card credit limit was decreased on me unexpectedly. I have been having so many issues with TD Bank 's credit cards. I have been a loyal customer since TD Bank was XXXX XXXX. I have always paid my card on time also and have had decent credit. 

On XX/XX/XXXX TD Bank sent a letter to me stating that they are decreasing my credit limit by thousands of dollars. To make it worse, they Closed it the same day as the they sent the letter, not giving me any time to respond to it without them already lowering my limit! I didn't receive the letter until XX/XX/XXXX! 

This is not the first time TD decreased or messed with my credit limits. They cancelled a card a few months ago and I had to make a complaint with you guys. Then they admitted their fault and fixed it. Again, they are trying to hurt me. Instead of canceling the card this time, they think they can get away with lowering my limit unexpectedly, without notice or opportunity to respond. 

This is completely not fair and again I am requesting you investigate TD Bank Credit Card services. I want my credit limit back and not only back but increased since I have asked for increased limited before and or line of credit and was denied. Again I have NEVER been late with payments.. They make money off interest from me.. Makes no sense and is not fair and fraudulent in my mind as to what they do. I hope you can help me. Thank you for your time again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX CONSUMER SOLUTIONS, AND EQUIFAX INFORMATION SERVICES, has violated the FCRA, by conducting a reasonable investigation under FCRA 1681s-2 ( b ) requires the furnisher to examine sufficient evidence to determine whether the disputed information is accurate1. The FCRA requires consumer reporting agencies ( CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate 4.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I filed a dispute with XXXX, XXXX, and Equifax regarding fraudulent accounts that had been reporting under my name and social security number that they maintain under a credit profile on XX/XX/year>. I filed another dispute XX/XX/year>, also addressing the accounts, by providing an Identity Theft statement, that outlines the accounts reporting. In the affidavit I made it clear that these are accounts are not transactions that I have been associated with, and that they were fraudulent. As of today, my dispute came back from XXXX stating that the XXXX account was verified. At this time the accounts from XXXX XXXX  account ( XXXX and XXXX  ( XXXX ) are not accounts authorized by me. I want the accounts removed from the credit reports that are maintained under my number. Failure to remove the accounts, will result in a lawsuit being filed against each credit reporting agency. I will attach verifying documents.
Product: Credit card or prepaid card

Today, XX/XX/2020, I went online to the XXXX XXXX XXXX site to make an on-line purchase. I made my clothing selections, then proceeded to make the purchase with my already existing XXXX XXXX card. I placed the order and received a confirmation. Within 2 minutes of placing the order, I received an alert from my credit report monitoring service that an inquiry to my XXXX credit report had been blocked. I have all my credit reports blocked. I researched to see who was making an inquiry as I had not requested any credit cards or any other financial products necessitating a credit report inquiry. I found out that Comenity Bank Capital/XXXX had their inquiry blocked. I did not request a credit card from them nor was I aware of any permissions given to them to access my credit report. I first called XXXX XXXX  and asked why my credit report was being accessed. That person had no idea. I then called Comenity Bank as I was afraid of a potential fraudulent attempt to setup credit under my name. Comenity Bank account protection person stated that no application had been processed by them. I then called XXXX  XXXX who monitors my credit and told them about this. I was informed that they had received numerous complaints from people about different companies, such as Wayfair and XXXX XXXX and others, who apparently are accessing people 's credit reports and then sending them approval letters stating that their request for credit has been approved. I did not request any credit approval from XXXX XXXX nor from Comenity Bank. I was totally unaware of and did not knowingly give my permission to Comenity Bank or XXXX XXXX  to make an inquiry into my credit worthiness. If there is some fine print on their website which is giving this bank permission to request credit information, then this, I believe is an Unfair Business Practice. Luckily my credit reports are locked or I would have been hit with a hard inquiry that I had not requested and had no knowledge of. This practice needs to be looked into and stopped as it can damage people 's credit without them being aware of it.
Product: Credit reporting or other personal consumer reports

XXXX - Account number : XXXX Please provide the description of the procedure of the investigation used to verify this account. XXXX discontinued business with XXXX XXXX  and partnered with XXXX XXXX. I have called each company numerous times and all three companies ( XXXX ) ( XXXX XXXX  ) and ( XXXX XXXX ) all state that they can not locate the account. I have been trying to have this verified or removed off of my credit report immediately. 
Account Number Not Found in EITHER SYSTEM!

I am writing to request a detailed description of the investigation process that was followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ) : Under Section 15 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 

I received a letter from you stating that the account number XXXXwas verified. PLEASE PROVIDE PROOF of Verification Methods or remove from my Credit File. If Information is verified again, please provide Creditor Contact Information as this is unfair for my account to be lost in limbo due to the merger of XXXX and XXXX XXXX. PLEASE REMOVE IMMEDIATELY
Product: Debt collection

I returned the defective items on XX/XX/2023 and Affirm still expects me to pay for something I don't even have and they keep harassing me and messing up my credit report ....
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXXXXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX, XXXX they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on these accounts. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. Please remove these accounts immediately because they are impacting my ability to gain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act accounts 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 a 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, credit repair services, or other personal consumer reports

I ordered my credit report from chex systems and I disputed the things that I did n't authorized and they sent me a letter back on XXXX/XXXX/2017 stating that everything in my report was correct. I am so sick of these credit report people telling you what 's right and what 's wrong. Please show me where I applied for credit, or gave someone written permission to run my credit. This is why I have a fraud alert on my credit report. These companies are not doing there job and it ; s sad that anyone has to keep calling or writing them for them to remove this. What person you know would let a company run there credit 10 times knowing that there not going to be approved. This makes no since. I want these company 's removed from my report. Or send me proof in writing that I aloud them to pull my credit on my behave. These companies claim to have ran my credit on behave of someone else. Which is not true and how can anyone else run your credit on behave of someone else. I would think that I would have to give permission to both companies if this is true. I also know that hen these so called companies ran my report they used the name XXXX XXXX like everyone else has been doing that is not my name. Thee only reason Chex systems has my correct name is because I sent them a copy of my license and social security card to update my information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX