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

My entire federal and state tax refund was taken for the amount of {$5000.00} for my student loans in the year 2018. There is absolutely no record of this on your end of any payment what so ever.
Product: Debt collection

Sent multiple certified mail letters for proof of debt, payment receipts on the account, and agency licensing/information and was never provided. They automatically threatened to report to credit bureaus and threatened my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have attached in may letters have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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: Payday loan, title loan, or personal loan

XXXX I agreed to apply for a loan {$1000.00} XXXX I get a direct deposit of only {$450.00} XXXXACH {$65.00} applied to interest only XX/XX/XXXXACH {$65.00} applied to interest only XX/XX/XXXX-ACH {$65.00} applied to interest onlyXX/XX/XXXX-ACH {$65.00} applied to inteerest only I inquire about the loan, only to find that any payments made was to interest and my principal stayed the same amout. Also the orginial 669 % apr has been changed 772 % apr Outrageous!!! sent an email like the website instructs you to do when you want loan deatils. NO RESPONSE!!! 
Yesterday I accessed the website to and setup a customer account. Only to find all these documents that got sent to an email that I use only for my XXXX and to access the internet with my XXXXXX/XX/XXXX 
I never agreed to withdrawls from my bank account but the contract says " to revoke this I have to tell them my option of how I want to make my payments. '' So what I understand the money taken from my bank account is only for their interest and the loan needs further instruction for repayment details??? 
Also federal and state laws dont apply to them, so they can change the terms of my loan and what I agreed to. The " XX/XX/XXXXlands '' what does that mean XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never late I refinanced the car and they reported it late and it should not have need GO FINANCIAL 30 DAYS LATE Auto Loans {$0.00} Status Date Reported XX/XX/2017 Payment Status 30 Days Late Account Details Bureau Name GO FINANCIAL Account Type Auto Loan Responsibility Individual Original Loan Amount {$14000.00} Date Account Opened XX/XX/2017 Date Account Closed XX/XX/2017  Payment Details Date of Last Payment XX/XX/2017 Monthly Payment {$0.00} Term 72 Months Payment Frequency Monthly ( every month ) On Time Payments 100 % Worst Pay Status Current
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute information with LexusNexis but they refuse to provide me my report or even allow me to dispute any information. I was denied my enrollment in CLEAR because they use LexusNexis and the info that was used to identify me was completely inaccurate.
Product: Checking or savings account

Chase bank closed my account in XX/XX/2022 with haste because i filed fraudulent activities on my account i went into the bank twice to show my ID and social security card as told by the fraud department but to No avail chase sent a notice saying it was responsible and authorized the fraud on my account they sent a check for XXXX but kept the XXXX in my account i didnt owe them any money but they still kept the funds sent a letter saying they closing my account but wasnt reporting me so why did they close my account because they didnt do a thorough investigation i was XXXX and they were being XXXX i want my funds and an apology they sent a recent notice saying they had made the mistake and i was right there were incorrect charges on my account but my account close so how they putting a permanent credit to a closed account i didnt receive all the money in my account when it was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached below is proof that XXXX XXXX XXXX XXXX responded to the CFPB complaint and informed that they have contacted the bureaus to have this account and hard inquiries deleted from my credit report. XXXX has denied receiving the request from XXXX XXXX and neglect to delete unauthorized/ fraudulent accounts and hard inquiries disputed from my credit report or not even reviewing these serious matters.
Product: Debt collection

XXXX accounts for {$160.00}, {$88.00}, and {$140.00} and date of service was XXXX. Accounts were written off due to billing insurance company beyond billings limits on XXXX. All XXXX accounts were referred back to original creditor from collection agency on XXXX/XXXX/XXXX. I contacted collection agency but they refuse to close account and remove from my credit report to reflect the correct reporting. I would like accounts deleted asap because I do n't owe and this account been closed out since XXXX XXXX.
Product: Mortgage

Bank of America I requesting your assistanceAt anytime XX/XX/XXXX - XX/XX/XXXX did Bank of America acknowledge XXXX XXXX XXXX as owner of property located at XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

" I am deeply concerned about the way the card company has handled my situation. First and foremost, I feel my privacy has been violated as they required me to upload sensitive medical documents related to a XXXX XXXX, which I consider highly insensitive and an invasion of my privacy. 

Additionally, despite submitting relevant medical documents, the card company seemingly ignored this evidence, showing a lack of proper consideration for my claim. This negligence in evaluating my situation has caused me significant emotional distress, especially given the sensitive nature of my circumstances. 

Furthermore, the company failed to verify the missing payee information, despite the evidence I provided. This negligence on their part has not only caused me financial distress but also emotional turmoil. 

I believe I have been exploited as a vulnerable individual in this situation. Being XXXX XXXX of making such deals, I was taken advantage of, which I consider a form of financial exploitation. 

Moreover, it appears the company engaged in fraudulent activity by manipulating information in their computer system to secure insurance, protecting themselves while causing me substantial financial harm. As a result, I have suffered a significant loss of both money and property. 

The unauthorized contract, made with a person who had a representative payee, who was not present during the transaction, clearly indicates an unauthorized agreement. This, combined with the company 's deceptive practices, has left me in a dire situation. 

I urge the CFPB to investigate these matters thoroughly. The company 's actions not only violate consumer protection laws but have also had a profound impact on my life. I seek justice and restitution for the harm I have endured due to their unfair and deceptive practices
Product: Credit card or prepaid card

Avant- missed payment on XXXX XXXX. Closed account months ago and still accumulating fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now my THIRD COMPLAINT to Equifax using CFPB and I will be compiling all my complaints and documents for submittal to upper governmental regulatory agencies to get justice.Despite two complaints, Equifax has chosen to leave data fields blank in regards to Outsource Receivables. Equifax has not been able to validate the debt nor post date of first delinquency data which would cause this negative information to be posted until the end of time. I will PERPETUALLY make complaints through CFPB until Equifax does what their are required to do by law. All their activity will be preserved for evidence of wrongdoing.
Product: Credit card

My avalialbe credit was credit was dropped approximately XXXX, negatively impacting my credit score. 
I have never missed a payment and paid on time. 
I have had 23 years of excellent credit history.
Product: Credit reporting or other personal consumer reports

Subject : Request for Credit Information Correction - Compliance with XXXX XXXX Code XXXX and Other FCRA Provisions I am writing to you as the holder of accountXXXX XXXX - XXXX - This information is incorrect. Please investigate it.to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of XXXX XXXX Code XXXX and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to XXXX XXXX XXXX XXXX, creditors must send periodic statements, including all information required by section XXXX ( b ), at least XXXX  days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections XXXX XXXX Code XXXX and XXXX XXXX Code XXXX, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my XXXX XXXXhave not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of Reported late payment : XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Since Im a stickler for research, I found that under section 605b ( a ) Experian 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX of XXXX : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate XXXX Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX of XXXX : XXXX Inquiry : XXXX XXXX XXXXDate of XXXX XXXX XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXate of Inquiry : XXXX Inquiry : XXXX XXXX of XXXX : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXk NaDate of Inquiry : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my XXXX, and Equifax credit report and found various inaccurate names and addresses. The list of accounts has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

e remove the following addresses from my account. I have never lived at the addresses listed below nor have I given anyone authorization of these addresses. 

Type of Account : Inaccurate Address Inaccurate Address as stated on Credit Report XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX
Product: Debt collection

Caine and Weiner, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer report agency can not furnish in account without my written instructions 15 US C61666B a credit may not treat a payment on a credit card account under an open consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint regarding EQUIFAX handling of a dispute regarding 2 companies two days ago ; subsequently they dropped my credit score by 52 points even though they indicate there were no changes in my credit record. 

I believe they dropped my credit score because of my complaint I filed against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete the Inaccurate information and unauthorized inquiries from my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX unauthorized inquiries : XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/19 check # XXXX for {$430.00} was cashed from my account that was not authorized to be cashed. It's obviously fraudulent because the endorsement on the back is signed with my name rather than the company who was supposed to cash it. I contacted Wells Fargo about it and they had me fill out a form and get it notarized. I did both however never received any form of contact from them on what happened.
Product: Debt collection

Credit Collection is attempting to collect a debt and report 2 accounts on my credit file ( XXXX & XXXX ) for a debt I never got notice on.. The min I saw it on my credit report I paid them. They should have never been posted on my credit and they need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account number : 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

I filed a complaint with equifax saying my identity had been stolen and loans and credit cards opened in my name before I turned XXXX and they removed them but now a loan is showing as closed on mh credit report, it was opened in XXXX but I was XXXX in XXXX  so this is not my loan and they removed it but now its showing as late payments and being charged off and lowered my credit score by XXXX points
Product: Prepaid card

I am writing today about the issues I have experienced with Vanilla Gift Visa cards. My XXXX children each received a {$100.00} vanilla gift card for XXXX from their Great Grandmother in the mail. When we went to activate these cards there was an error with their online system. So I called them and spoke with customer service on XX/XX/XXXX. At which time they told me that the XXXX cards had been locked and so they would send me XXXX replacements for these locked cards. I received these replacement cards in late XXXX, but when they arrived they all had stamped on them {$0.00} as the balance. I tried to activate them anyways thinking that might have just been a printing error, it was not. So I took the day off on XX/XX/XXXX so I could call customer service to get this error fixed, and I spent hours on the phone that day being transferred around and to no avail. They told me they needed pictures of each card front and back but refused to provide the email address of where exactly to send this request ( which seemed absurd anyways because they know what card numbers they mailed to me as replacements ). Even so, I was trying to work with them and do what was needed to resolve the problem, but I was transferred to another department that lied to me by telling me they transferred my call to a completely different company called XXXX and could not help me nor could they transfer me back. It wasnt until I pointed out that thats not how phone systems work they cant transfer me to a whole different company with an extension and I also pointed out that they all had the same exact hold music. Only XXXX song played over and over and when I pointed that fact out she decided she could in fact transfer me back to the XXXX side. Every request for help was met with lies and misinformation they are trying to attempt to get me to drop the whole situation and forget about the fact that my grandmother spent her fixed income on these gift cards for her great grandchildren for a XXXX present. This issue was never resolved due to the last person I spoke with informed me that they would be needing documentation ( pictures of cards THEY sent me as replacements ) to be emailed but when I asked for the XXXX  time what email to send that to he pretended the connection was bad and hung up on me. Im tired and frustrated with this company. I have wasted my time and they have stolen money from an elderly lady. I need help resolving this issue because the way their customer service works is they try to wear you down until you just cant put any more energy into trying to resolve the problem and give up.
Product: Debt collection

I have secure credit card open with capital one 2012, the collection agency reporting the amount that I pay to open the secure credit card, I ask for the last few years, both the bank and the collection agency to send me the contract and both said they don't have it