23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ; XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

To whom it may concern, This is a formal request to remove, and delete the following inaccurate account from my credit report : DSNB/MACYS ACCOUNT # XXXX The DSNB/MACYS ACCOUNT # XXXX being furnished to the credit bureau is being disputed as I am a victim of identity theft. Credit reporting laws require collectors, and credit bureaus to only report accurate credit information. I have no knowledge of this fraudulent entry on my credit report. I have never opened any accounts with the account number listed on my report. I have never opened an account on the date referenced on my credit report associated with this account number. Per the Illinois Collection Act, 225 ILCS 425/9.4, ( a ) Upon receipt from a debtor of all of the following information, a collection agency must cease collection activities until completion of the review provided in subsection ( d ) of this Section : ( 1 ) A copy of a police report filed by the debtor alleging that the debtor is the victim of an identity theft crime for the specific debt being collected by the collection agency. ( 2 ) The debtor 's written statement that the debtor claims to be the victim of identity theft with respect to the specific debt being collected by the collection agency, including ( i ) a Federal Trade Commission 's Affidavit of Identity Theft, ( ii ) an Illinois Attorney General ID Theft Affidavit, or ( iii ) a written statement that certifies that the representations are true, correct, and contain no material omissions of fact to the best knowledge and belief of the person submitting the certification. This written statement must contain or be accompanied by, each of the following, to the extent that an item listed below is relevant to the debtor 's allegation of identity theft with respect to the debt in question : ( A ) A statement that the debtor is a victim of identity theft. ( B ) A copy of the debtor 's driver 's license or identification card, as issued by this State. ( C ) Any other identification document that supports the statement of identity theft. ( D ) Specific facts supporting the claim of identity theft, if available. ( E ) Any explanation showing that the debtor did not incur the debt. ( F ) Any available correspondence disputing the debt after transaction information has been provided to the debtor. ( G ) Documentation of the residence of the debtor at the time of the alleged debt, which may include copies of bills and statements, such as utility bills, tax statements, or other statements from businesses sent to the debtor and showing that the debtor lived at another residence at the time the debt was incurred. ( H ) A telephone number for contacting the debtor FCRA section 609 ( e ) states that businesses must comply with the law when notified of possible identity theft. Please investigate this matter thoroughly
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct.
Product: Checking or savings account

I have used USBank for ten years without much issue. USBank had enrolled me into an overdraft protection program which I never authorized. In XXXX XXXX I was out traveling and forgot to put money in my checking account and my balance hit negative. I was unaware and kept using my debit card for small transactions like coffee. The majority of these transactions are below {$10.00} dollars. 

Instead of declining these charges, USBank charged me a series of Overdraft fees, each of them {$36.00} dollars. 

In the end, the total overdraft fees ended up being {$360.00} for over a couple of days. They waived 3 of them, bringing my loss down to {$250.00}. 

I complained to them that since I never signed up for overdraft protection so they should have just declined the transactions ( so I can use another card ) and not charged me these overdraft fees, to no avail. 

Talking to their customer service, they never offered an option to opt out of their overdraft " protection '' program. They offered some even more predatory protection options which I declined. 

I opened a complaint with CFPB to resolve this issue. US Bank sent back a PDF to show that I indeed never signed up for an overdraft program but did not refund the overdraft fees.
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. 

1.XXXX  XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX 3. Department of EducationXXXX 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: Student loan

Navient is applying portions of my private student loan payments to each of my loans, with less money going to my highest interest loans, and more money going to my lowest interest loans, automatically. 

Also, they make it virtually impossible to deal with any issue. I have called tonight about this issue to get it resolved and spoken to XXXX different people and been on the phone for XXXXminutes. You are sent to the XXXX or XXXX, back to the U.S. and then to 2-3 people at least. It seems that they have intentionally structured their contact with customers in a way that makes it really difficult to make any changes to the account ( e.g. adjust payments so that they go to the highest interest loans before the lowest interest loans ) or to get answers from anyone. No one person can handle all of your issues. You have to be shuttled from one person to another and they will not interact via email, except statements and other generic emails. I have spoken to no fewer than XXXX people ( in and outside the country ) and have now just completed a XXXX minute call to get this resolved. Still, the issue is not resolved and they have to have someone call me back. They compartmentalize handling of any one particular issue so that their employees can not possibly see or find any issue with they way they do business because they ca n't possibly understand the big picture, as they only see XXXX small piece of it. 

Has anyone else had this issue concerning allocation of payments to lowest interest loans first? or had a similar issue with how they have constructed their customer interactions?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

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 U.S.C 1681. 

Bullcity account numbers : XXXX, XXXX, XXXX XXXX 15 USC 1681 Section 604 ( a ) States a consumer reporting reporting agency can not furnish a account without my written instructions. 

This company is violating my rights of privacy and my rights as a consumer. I did not give any written consent to post my medical information on my credit report. I don't even know who this company is or how they obtained personal information to even report to the credit bureau.
Product: Credit reporting or other personal consumer reports

A credit card appeared under Collections on my credit report. The credit card is in my name but does not belong to me. I never applied for it and I never received it.
Product: Credit card

I am writing to formally dispute the continued imposition of late fees and the reporting of late payments on my Barclays credit account, which was closed in XX/XX/year>. Despite the closure, I have noticed that fees continue to be assessed monthly and reporting inaccurately to all credit bureaus.
Product: Credit reporting or other personal consumer reports

Recently, I did a investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681e ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or ify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit reports the other day and noticed that these accounts are inaccurate, and I need them removed from my credit reports because it is destroying my life! In Accordance With the Fair Credit Reporting Act the accounts listed below are on my credit reports and violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Inaccurate accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : XXXX XXXX XXXX. Correct Name : XXXX XXXX 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 an account without my written instructions. I never provided written instructions. 15 U.S.C. 1681a-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. Someone knows that this information is inaccurate, and is negligent in correcting my credit reports.
Product: Checking or savings account

I was scammed by a fake loan company on XX/XX/23. I have proof of the scam, called and reported to my bank, But, they said I am responsible for allowing it to happen. They scammed me thru bank verification not approved. They took XXXX total in FALSE dispute claims. In return XXXX XXXX is making ME the victim pay back funds that I did not ever report for disputes. XXXX XXXX took XXXX from my person l checking account on XX/XX/23 forcing me to pay a debt from a fraud claim. THEN today XX/XX/23 they TRIED to charge me another XXXX. i am very upset they are refusing to return my money. I even filed a police report thru our local Bank Fraud team. Please HELP ME> This is Security Fraud and I am the VICTIM being help responsible for a SCAMMERS actions. I attached the Fake loan approval document sent tome the day this transpired. They used a REAL loan company to XXXX customers. They closed old account the XXXX happened on and opened NEW account same day XX/XX/23. However they are now taking funds from my new account to cover the debt created from this FRAUDULENT activity.
Product: Debt collection

I had a XXXX credit card issued through GE Money Bank XXXX XXXX. I made a payment agreement with GE Money Bank to settle the balance after it was past due. The phone number I called was XXXX & I set up the payment agreement with XXXX at ext. XXXX. 

I settled for a total amount of {$350.00} in which I made 2 payments. I made a payment for {$81.00} on XX/XX/XXXX & another payment for {$270.00} on XX/XX/XXXX. I have copies of the checks from my personal bank account that was XXXX XXXX The transactions were completed successfully. 

I have been contacted every few years from multiple collection agencies trying to collect this debt, despite it being paid to the original debtor. Despite providing information to these companies multiple times showing the debt was paid, it still gets passed off to another agency. 

I have documentation showing a collection agency named XXXX XXXX contacted me XX/XX/XXXX regarding it. I also have letters dated XX/XX/XXXX from XXXX XXXX XXXX. 

Most recently, on XX/XX/XXXX, I received a text message from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX stating they are trying to collect the debt. 

I have contacted this agency to dispute the debt. 

On my most recent inquiry to XXXX credit card services a few years ago, they stated they didn't have record of the account under my social security number. 

Every collection agency I have provided this proof to has told me it would be the end of it, however, it keeps reappearing & is an endless cycle. I have to take time out of my busy schedule to send documentation, get harassing phone calls to myself & family, & it is causing me a great deal of stress as this has been ongoing for 17 years.
Product: Checking or savings account

Can I have child support go through my bank account, please?
Product: Credit reporting or other personal consumer reports

XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information XXXX XXXX XXXX, Account Number : XXXX Dear Equifax Dispute Resolution Team, I am writing to formally dispute an item on my Equifax credit report that is inaccurate. The account in question is listed as XXXX XXXX XXXX, with account number XXXX. 
Upon reviewing my credit report, I discovered that this account has been inaccurately reported. I contacted the creditor directly, but they referred me back to the credit reporting agency. Despite this, Equifax has previously verified the account as accurate.

This incorrect information has significantly impacted my credit score and overall credit health, resulting in a denial of credit and a noticeable dip in my credit score.

Given these circumstances, I am requesting that Equifax either correct the inaccuracies or remove the account from my credit report. The presence of this incorrect information is unjustly harming my credit profile, and I respectfully ask for a thorough re-investigation of this matter.

Please provide me with a written confirmation of the results of your investigation and the actions taken to rectify this error.

Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX
Product: Debt collection

ou are in direct violation of several sections of 15 USC 1681. 

Your agency has taken upon itself to report an erroneous accounts/inquiries on my credit report, which violates the same laws youre suppose to uphold. You are in clear violation of 15 USC 1681 ( a ) ( 4 ), and 15 USC 1681 ( b ) ( 2 ).

Pursuant to 15.USC.1681. ( a ) ( 4 ) you must respect a consumers right to privacy. You have violated 15.USC.1681. ( a ) ( 4 ) by violating my right to privacy by not receiving authorization or permissible purpose according to 15 U.S. Code 1681b.2. ( a ) In General - Subject to subsection ( c XXXX any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. Therefore, I am demanding that the following accounts be removed from my credit report immediately. 

Failure do to so will result in litigation pursuant to 15 USC 1681 ( N ) -Civil Liability for willful noncompliance and 15 USC 1681 ( O ) Civil Liability for Negligent Non Compliance. 

I demand that you remove the following accounts : XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/2017 AMOUNT {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$62.00}
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Equifax are reporting late payments XX/XX/23 XX/XX/23 XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for a credit card and it was brought to my attention that there were multiple credit accounts opened in my name fraudulently without my permission. I spole with the 3 major credit bureaus and they told me to file a report. I tried also contacting the companies and they advised me also to file a report. The fraudelent accounts are listed below : XXXX XXXX account # XXXX Balance : {$19000.00} XXXX XXXX  XXXX  account # XXXX Balance {$44000.00} XXXX account # XXXX Balance {$2200.00} XXXX XXXX XXXX account # XXXX Balance {$1500.00} XXXX account # XXXX Balance {$1500.00} XXXX XXXX XXXX account # XXXX Balance {$4500.00} XXXX XXXX XXXX account # XXXXBalance {$8800.00} XXXX  account # XXXX Balance {$4500.00} XXXX account # XXXX Balance {$3800.00} XXXX XXXX  account # XXXX Balance {$1400.00} all these accounts were opened XX/XX/2022 without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX Sirs : It is my understanding that in XX/XX/XXXX Equifax implemented a new system for consumers to manage security freezes on their credit report. The new system appears to operate under the web address of myEquifax.com. Apparently, since your conversion to the new system, you have suspended my access to my online account and I am no longer able to access the online system to temporarily lift my security freeze, when I require that action be taken. I discovered this system error in early XXXX when I attempted to temporarily lift my security freeze. After several different sets of instructions from Customer Care, I had to use the phone-base system to perform the required action. The Customer Care organization in the XXXX is unable and unwilling to determine what was done to my account and what I am required to do in order to have my access restored to myEquifax.com. I have been calling Customer Care on a regular basis and continue to get the same tpe of response I'm sorry to hear you're having a problem, I will submit a report of the problem, and You will receive an email when the problem has been resolved. All of this occurs usually after I am quizzed about the contents of my credit report so they can be assured they are actually talking to me ( they all use the same script ). The end result is that nothing has been done. 

This has the appearance of another breach of your fiduciary responsibility in handling personal information of the people whose data you harvest and then sell for a profit. I have been trying, unsuccessfully, for several months to get any substantive information about why my access was removed and what I have to do in order to get my access restored. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

Apparently, I made a simple error in my bill pay for Bank of America when setting the date for a cell phone payment. I was to be paid direct deposit on   XXXX   XXXX   XXXX    . I mistakenly put the date in to bill pay to pay  XXXX   XXXX   XXXX  as the  XXXX . This is the first time I have ever made an error like this in the bill pay system. As I did not have the money in my account on the  XXXX  because I do not get paid till the  XXXX , this caused an NSF fee of {$35.00}, even though the  XXXX  Bank of America 's computer system automatically tried to pay  XXXX   XXXX   XXXX  again and the payment went through because by then I had been paid. When I learned of this error on my part, I asked BOA if this fee could be waived, and I was told No. I was not given a specific reason, just that this fee refund was declined based on my history at Bank of America and that if the system did not allow the fee refund to be processed, I could not be given the fee back. I asked if I had had a specific NSF fee refunded in the last year or else specifically why I could not be refunded this ridiculously high fee. I was not given one so I am filing this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # 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 an account without my written instructions.