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

XXXX  XXXX XXXX and XXXX XXXX are reporting debts I do not owe. I have not been to the doctor 's since the 1990 's, these debts are not mine. Furthermore XXXX XXXX XXXX is past the statute. The account # 's are XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX. I do not owe these debts and they are not mine.
Product: Credit card

I received this email. It is ashamed that someone should should be forced to buy to keep a credit cardDear XXXX XXXX, As a result of a recent review of the Discover ( R ) card account referenced above, we have closed your account as of the date of this letter. 

This action was taken for the following reason ( s ) : Inactivity on your accountWe will credit your account with your Cashback Bonus ( R ) ( or Miles ) balance if you have one. 

Should you have any questions regarding the actions taken on your account, please contact us Monday - Friday XXXX ET, by calling XXXX. 

Sincerely, Account Review TeamOur credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. 

You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. 

For a free copy of your credit bureau report, contact : XXXX CONSUMER RELATIONSXXXX XXXX XXXX, XXXX XXXX also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. 

Type of credit score FICOYour credit score XXXXDate XX/XX/2015Scores range from a low of XXXX to a high of XXXXKey factors that affected your credit score were as follows : XXXXThis information was provided to us by XXXX CONSUMER RELATIONS, a consumer reporting agency. 
FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency which administers compliance with this law concerning Discover Bank, the issuer of the Discover Card, is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit card or prepaid card

I paid off my entire balance with Discover card, then I accepted a 0.0 % balance transfer for 1 year. Since that time period they have continued to charge me XXXX cents a month as a minimum interest charge rate. They keep saying that I haven't paid off the prior interest charges and the minimum balance goes towards paying off interest charges first. I HAVE NO INTEREST CHARGES and the balance is not paying off anything. This is deceptive trade practices saying XXXX wont be charged any interest charges when in fact I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting 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. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The accounts above have 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 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: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/2020 {$160.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$720.00} Reported balance Credit limit {$400.00} XXXX XXXX XXXX Last reported XX/XX/2020 {$470.00} Reported balance Credit limit XXXX XXXX XXXX XXXX  XXXX Account Type Lease Balance {$470.00} Date XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Balance {$800.00} Date XXXX
Product: Debt collection

I C System XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$230.00}. The collection has been reported as past due. I do not know this company & Ive never done business with them. This company does not have a contract with my signature on it.
Product: Credit reporting 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau, I am writing to dispute a report made by USAA on XX/XX/XXXX, which stated that my credit card account is delinquent. This account was closed and paid off in XXXX and should not have been reported as delinquent. As a result of this error, my credit score has been negatively impacted by up to XXXX points across all credit bureaus, including XXXX, XXXX, and XXXX. 

I have contacted USAA regarding this issue, but they have been slow to resolve it.
Product: Credit reporting or other personal consumer reports

Experian is committing fraud & is in violation of the fcra My XXXX credit file doesnt align with my experian credit file please correct the inaccurate information
Product: Checking or savings account

I deposited my check on XX/XX/XXXX and it cleared just fine. After having issues with with my account being frozen and then not telling me why it was frozen in XXXX and part of XXXX, I made a complaint to the CFPB. 

Complaint # XXXX After my complaint they unfroze my account but then out of no where they did a Return Check Deposit from my check in XXXX. I asked over and over calling there customer service why this happened and they said they cant give me any information or tell me why its happened, or anyway to fix it. Now there trying to close my account for no reason. 

I asked my prior employer to track where the check funds were returned to and its says it was only deposited into SOFI and doesnt know why a return check deposit occurred with them. I just wan na figure out why this happened and what i need to do. I cant help but feel like there in violation of withholding my funds without giving me any information of any compliances.
Product: Student loan

I have been repeatedly treated in a reckless manner by representatives at Fedloan. They have offered unsolicited advice to put my loans into states of forbearance and deferment without explaining to me the consequences of such actions. 

This reckless advisement has resulted in over {$13000.00} in additional capitalized interest on top of my original balance. 

I am seeking a resolution on this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to TransUnion XX/XX/2019. The USPS Certified Mail dispute letter was delivered and signed for on XX/XX/2019. TransUnion has not responded to the dispute or acknowledge that the dispute is being investigated. According to the FCRP, the bureau ( s ) have 30 days to respond to a dispute, and it's been past the 30 days.
Product: Payday loan, title loan, or personal loan

I have a personal loan with USAA. The pandemic hit and they offered to stop the payments for 3 months I agreed. I made the first payment in beginning of XXXX and stopped for the 3 months and began repaying again in XX/XX/XXXX. I originally paid the loan in full for the first payment but decided I would pay the loan twice a month instead of in lump sum. I would break the payment into two and make the payments on time and everything seemed fine. One day months later I was looking at my banking accounts noticed the balance jumped in front of my eyes. I thought it was strange so I told my husband about what I had seen. A few days later I noticed the same thing happened again. My husband had asked if had taken a screenshot and I didn't so this time around I thought about it but decided not to again. It happened a third time and this time I was determined to start taking the screenshot. In XXXX of XXXX I went to make a normal partial payment and notice the entire set up of the loan was different. I made the payment and contacted the bank to ask about the changes I was seeing and they told me this was normal. I began to take record of what was happening to me. I still can not find the first payment on the loan as it is as if it was never paid. Its nowhere in the payment history and their explanation is that they loan was paused for 3 months. 

The bank was now collecting interest twice while adding it back to my principal balance daily. So currently my PRINCIPAL balance increases daily and even if I make a payment to change my principal balance the interest is being added back to the principal balance daily. I do not understand how I can be paying the same amount in interest as when the loan began and the principal balance is less. Please audit my account. 

This bank is taking advantage of me and maybe others.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I filled out an online application with XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX ) for a boat loan. There was no disclosure in the application that a hard credit inquiry would be conducted. 

I did not authorize a hard credit inquiry against my credit report. 

The loan request was summarily denied, so I attempted to reapply the following day, XX/XX/ with more money down. This time the loan was forwarded to a XXXX XXXX ( XXXX ) who said the bank needed additional financial records to proceed. Again, during this second loan application, I did not authorize a hard credit inquiry against my credit report. The loan rate quoted me was 10.44 % and I withdrew my request and decided not to receive a loan from this bank. 
Less than a week later, I receive two letters indicating hard credit inquiries from XXXX XXXX XXXX XXXX on my credit report. I contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, and she said she would speak with her manager, who later said they could do nothing to remove either inquiry. 

I believe XXXX XXXX XXXX XXXX misrepresented they business as demonstrated my numerous complaints to the XXXX  ( XXXX XXXX XXXXXXXX ) and fraudulently collected financial information without my consent. 

I would like XXXX XXXX XXXX XXXX to contact Experian and have BOTH hard inquiries removed from my credit report.
Product: Debt or credit management

I HAVE HAD ACCOUNTS WITH XXXX XXXX XXXX ON AND OFF XXXX XXXX 's AND NEVER HAD A PROBLEM. 
IN XXXX I WENT TO XXXX XXXX XXXX IN XXXX OHIO I PURCHASED A BED AND WASHER & DRYER, I SIGNED THE PAPERS AT STORE BY SELLS STAFF AND HAD TO DRIVE AROUND TO WAREHOUSE TO PICKUP FURNITURE, THE NEXT THING I RECIEVED A BILL FROM XXXX XXXXXXXX XXXX  OF WHICH I MADE ARRANGEMENTS TO MAKE MY PAYMENTS ON LINE. 
I MADE ALL PAYMENTS FOR TWO YEARS ON TIME AND NEVER MISSED A PAYMENT OR WAS LATE. 

WHEN I CHECK MY PAYMENT BALANCE IN XXXX IT WAS APPROXMATELY {$2300.00}. 
WHEN I RECIEVED MY XXXX STATEMENT BAL WAS {$6400.00} I CALLED XXXX XXXX XXXX XXXX  IN XXXX OH AND WAS REFFERED TO SYNCHRONY BANK, OF WHICH I WAS TOLD THAT WAS THE NEW AND CORRECT BALANCE BECAUSE THERE WAS A 24MONTH PAYOFF CLAUSE, STATING THAT I HAD TO PAY THIS BALANCE WITHIN THE 24MONTH PERIOD OR " INTEREST PAYMENT " WOULD APPLY.

AS I HAVE STATED I DON'T REMEMBER BEING TOLD BY A SALES REP ABOUT ANY " 24 MONTH CLAUSE " NOR AS THIS EVER HAPPENED IN ALL THE YEARS I HAVE BEEN DOING BUSINESS WITH XXXX XXXXXXXX, I AM ALMOST XXXX XXXX XXXX I AM A 100 % SERVICE CONNECTED XXXX VETERAN WITH A XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
IT IS OF MY OPINION AS A XXXX VETERAN AND ELDERLY PERSON OF HAVE BEEN TAKEN ADVANAGED OF, AND TAKEN IN A MONEY SCHEME OR SHAKE DOWN BY THIS COMPANY OR BANK, I DON'T REMEMBER SIGNING ANY DISCLOSER DOCUMENTS ABOUT 24 MONTH PAYOFF AND DO I REMEMBER ME GIVING XXXX  XXXX PERMISSION TO SELL MY ACCOUNT TO SYNCHRONY BANK I BELIEVED I WAS DOOPED INTO THINKING MY PAYOFF WAS CLOSE TO {$2300.00} WHEN {$400000.00} WAS ADDED TO MY ACCOUNT, I BELEIEVE AS A XXXX VETERAN AND XXXX  PERSON I WAS TRICKED AND TAKEN ADVANTGED OFF.
Product: Debt collection

Online Information Services has attempted to collect a debt from me. This company is in violation of 15 USC 1681k, this company doesnt have a valid contract with me and doesnt have my permission to report this information on my consumer report. They a Have violated the FDCPA and the FCRA and I demand a settlement and removal of all my information from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with XXXX & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these items. Here is the list of information I need removed/blocked from my credit reports : Names ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX : XXXXXXXX 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 XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following accounts : XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$620.00}.
Product: Student loan

EdFinancial student loan servicer is terrible and are mishandling my money. I had a {$200.00} payment made on my behalf by my employer to EdFinancial on XX/XX/2023. The payment was only applied to the highest interest loan rather than applied to the monthly payment even though the payment was made after the billing statement was issued on XX/XX/2023 and my account showed the full monthly payment was due. I have submitted an email request to have the funds reallocated to cover my monthly payment sometime XX/XX/XXXXand never received a confirmation that the request was received or being worked on. On XX/XX/2023, I called and verbally requested the re-allocation. The phone rep submitted it for me and had no comment about my email submission having no response. I called again on XX/XX/2023 asking why the re-allocation had not been done since my payment was due on XX/XX/XXXX. The phone rep then said she'd re-request it and set it as an " emergency '' to get done. She told me that my going to be " delinquent '' payment wouldn't show up on my credit this month because we have 12 months of non-credit reporting time. As of today, XX/XX/XXXX, the re-allocation has not been completed. My account now shows past due, even though the XX/XX/XXXXpayment was made and XX/XX/XXXX payment due date isn't until XX/XX/XXXX. I can't get ahold of the phone reps since there are like 60 calls ahead of me and it " may take more than 24 hours to return calls. ''
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I must insist that you promptly eliminate any unsubstantiated assertions mentioned either above or below in your documentation. To be eligible to disseminate alleged information, you are required to satisfy the basic criteria. I categorically reject the legitimacy of any statements that lack verifiable evidence, even if they adhere to the requisite reporting protocols stipulated for certification. This includes adherence to the indispensable XXXX XXXX Compliance guidelines outlined by XXXX in their XXXX, which unequivocally declares that any departure from these norms poses a threat to the veracity of the data. Listed below are the Inquiries that are being challenged. 

XXXX - XXXX These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX FCU - XX/XX/year> These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX - XX/XX/year> These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit. 

XXXX XXXX - XX/XX/year> These inquiries are incorrect, unverified, and unauthorized. I did not consent to these inquiries, nor did I authorize any entity to access my credit report for these purposes. Please investigate and remove these inquiries from my report as they do not have a permissible purpose and are negatively impacting my credit.
Product: Mortgage

PNC took over as servicer for both of my mortgages a few months ago. Since then, I've have spoken to them numerous times and they are unable to get me signed up for online access. Once they transferred me what they called " IT '' and it was a forever hold. 

Without online access I can't change my auto pay, view my loan information, etc.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of XXXX XXXX # XXXX {$2800.00} XXXX XXXX  {$2900.00} XXXX XXXX XXXX XXXX XXXX  {$440.00} # XXXX. Upon challenging this, XXXX  credit bureau deleted the accounts based on lack of the ability to properly verify all reported information being accurate. I noticed as a resulting of challenging the accounts with Experian credit bureau the agency verified the same accounts. We agree Experian is in violation of FCRA and my consumer rights is 1,000 per violation. 
We also agree with the cogent observation by the fifth circuit that the plain language of the statute places the burden of re- investigation on the consumer reporting agency. See Stevenson, 987 F.2d at293. the FCRA evinces congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the Collection and dissemination of credit information. the " grave responsibility, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.