23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I deposited a check from XXXX XXXX  made out to me on XX/XX/XXXX. I was told the funds would be available on XX/XX/XXXX. On XX/XX/XXXX I was told the check was accepted. The funds were never made available. 

When I inquired I was told that the check was rejected because it wasnt in a format the bank accepts. They wouldnt give me any other information beyond that. 

This was a bank check drawn on XXXX XXXX. 

This appears to be a violation of federal law and the rules of the federal reserve. 

Ill deposit the check in a real bank, but Id like an explanation of why they can break the rules and waste my time.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus is reporting inaccurate information on PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) with Account Number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Consumer Loan

This morning I received a collection call from Toyota Financial Services, from whom I lease a vehicle. They claimed I owe over {$970.00}. After over an hour on the phone, it turns out that an online banking payment was not received for XXXX. The total amount due was {$500.00}. But the collection agent acted as if I owed that amount, plus the amount due for XXXX, for which I have not yet received a statement, and which is not due until XXXX XXXX. I have never been dunned for amount for which I have not been billed. This is beyond bad customer service ; I believe that it constitutes harassment, violates the terms of the lease, and may violate federal regulations, to seek to collect amounts prior to their due date.
Product: Student loan

This school was advertised as having a competitive tuition compared to in state schools despite being XXXX the cost. High-pressure recruiting indicating minimal spots available and once interested, sales tactics and financial aid services indicated there was financial aide although it was only a guide for high interest loans. Employees of the school operated as counselors to assist me in opening these loans with minimal to know knowledge of repayment and actual financial advising. After completing schooling I am now unable to attain loans due to my significant debt to income ratio, none of which was disclosed at time of signing up for these loans and has significantly inhibited my quality of life.
Product: Credit reporting or other personal consumer reports

I am writing to dispute all unauthorized hard inquiries and negative items on my credit report, which I believe to be a direct result of identity theft caused by a recent data breac. Additionally, I request that my personal information be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw that around XXXX. I seen many pre approvals on credit karma at first I didnt pay it no mind but credit karma kept sending me pre approvals. Telling me I was pre approve for credit cards, and personal loans and that I could refinance my car. Every day I would see these offers and everytime I log in to check my credit scores. So basically after a few months of being told I was pre approval I totally thought I was in the perfect place to apply .I got so many offers from credit karma I started to tell my whole family about investments and vacations we were going to use these pre approvals for .So I finally applied around sometime 2020 and I got denied for two credit cards and a personal loan. I was distraught and very angry and felt very deceived. For months credit karma told me I was pre approved which was very much a lie .I was severely stressed out for weeks .I had migraines so bad I became anti social. My XXXX went from zero to one hundred. Now every time I see pre approvals I immediately close my phone and shut my computer off. This definitely has made me so uneasy I havent checked my credit as frequently as I should.
Product: Credit reporting or other personal consumer reports

I asked each credit report ageny to remove and delete all in accurate information XXXX XXXX XXXX and XXXX XXXX XXXX all violated the law according to the fcra with the data breach and my information being exposed more fraud was committed 15 usc 6803 also 15usc1681 ( b ) ( a ) ( 2 ) permissible purpose FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 
please help delete this immediately
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. 

Equifax XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or other personal consumer reports

TO WHOM THIS MAY CONCERN : I HAVE JUST BEEN NOTIFIED BY MY CREDIT ALERTS THAT YOU ALL HAVE DROPPED MY SCORES FOR WHATEVER REASON. THING IS I HAVE NO IDEA WHO YOU ALL ARE BUT KNOW WHO THE ORIGINAL CREDITOR IS IN WHICH IS XXXX XXXX. YOU ALL HAVE NOT TRIED TO CONTACT ME NOT ONCE, NEITHER HAS XXXX ON REPAYING THE LOAN. I AM A XXXX VETERAN AS WELL AS I AM NOT WORKING. I CAN NOT PAY ANYTHING BACK AS I HAVE XXXX XXXX  CHILDREN AS WELL AS ONE OF WHOM IS XXXX AS WELL. I DON'T APPRECIATE THE UNETHICALNESS OF YOU ALL SLAPPING THIS ON MY CREDIT WITHOUT NOTIFICATION OR SOME TYPE OF RECONCILIATION ON MY LOAN. ALTHOUGH STILL I CAN NOT PAY. THIS SHOULD BE REMOVED FROM MY CREDIT ( ALL 3 BUREAUS ) BECAUSE IT WAS WITHOUT MY KNOWLEDGE AND NOR WAS I NOTIFIED OR OFFERED ANY TYPE OF REPAYMENT OR HARDSHIP.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$590.00}, {$0.00}, {$370.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Affirm and XXXX regarding an order I placed on XX/XX/year>. The handling of my order and subsequent failure to resolve my dispute have caused significant financial and XXXX XXXX 

XXXX XXXX : XXXX. I placed an order with XXXX, which was financed through Affirm. 
XXXX. The delivery company sent XXXX boxes to my doorstep while I was out of town, without prior notification. 
XXXX. When I inquired why I wasnt notified, I was told that they could not provide an exact delivery date, which is why they proceeded with the drop-off. 
XXXX. I had previously informed them that I lived in an apartment building with no attended delivery area, and they had already mishandled a previous delivery of XXXX boxes in the same manner. 
XXXX. Despite my prior concerns, they disregarded them and delivered over XXXX boxes unattended at my doorstep again. 
XXXX. As expected, the items were stolen, and I provided a police report and witness statements from neighbors confirming the theft. 
XXXX. I have been disputing this charge with Affirm and XXXX since XX/XX/year>, yet they continue to hold me responsible for the payment of items that I never received. 

Credit Report Dispute : I have also disputed this charge with the credit bureaus, as I have no delinquent or outstanding accounts on my credit report. However, Affirm continues to report this balance, despite my dispute and supporting evidence. 

Requested Resolution : Affirm must remove this charge from my account and cease any negative reporting to credit bureaus. 
XXXX should take responsibility for their failed delivery process and either issue a full refund or take corrective action. 
Both companies need to revise their delivery policies to prevent similar consumer issues in the future. 

I am seeking immediate resolution, as this situation has unfairly impacted my financial standing. If this matter is not resolved promptly, I will escalate this complaint further, including legal action if necessary. 

Thank you for your time and attention to this matter. Please provide a response at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted Equifax at least 15 times regarding this matter. I 've even contacted the companies which they 've stated they did not have any information on file regarding inquiries
Product: Credit reporting or other personal consumer reports

Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report.

15 USC 1681a ( 2 ) ( A ) ( i ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the rights to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred despite having sufficient funds when transactions were authorized I was charged fees due to lagged postings of charges and credits this issue is a line with the recent CFPB findings against Navy Federal for similar practices where transactions were set up with insufficient balance, despite initially available funds I believe these actions are unfair and request an investigation into my accounts transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE PLEASE REFER TO THE ATTACHED ID THEFT POLICE REPORT AND DELETE THE BELOW ACCOUNTS UNDER ACCOUNTS TO BE DELETED. 
I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT. ALL THE GIVEN DISPUTE LETTERS ARE IN VIOLATION OF THE FCRA DEADLINE DATES TO RESPOND TO A DISPUTE AS OUTLINED UNDER THE FCRA. YOUR FIRM COMMITTED ELEVEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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.

EQUIFAX 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: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. 

XXXXXXXX XXXX XXXX XXXX acct # : XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company said my name was added as an authorized user and it was without my permission from Amex and its showing that the account balances is mines! They closed the account and it shows closed account but the account was never mines
Product: Debt collection

I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continues to report inaccuracies on my consumer report thats negatively impacted my ability to brain credit. This debt has been charged off and is in delinquent status yet theyre reporting on time payments and adding interest to an account that has been closed and charged off. In accordance with the Pa department of revenue once a 1099-c is filed with the irs and the debt reported as taxable income it is then unenforceable and void. This is a direct violation of the fcpa and my consumer rights. 

Account Name : XXXX XXXX XXXX Acct # XXXX
Product: Checking or savings account

Usaa always fails to investigate properly. I uploaded documents on their site to proof merchant failed to provide goods/services after i paid them. I purchased tickets for a theme park in XXXX, they failed to send those tickets therefore I was not able to travel to XXXX while staying in XXXX. 
I provided proof email conversations with XXXX XXXX failure to provide my tickets I purchased a total of 4 tickets ( XXXX ) but only received XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted twice to get my free annual credit report from XXXX, Transunion and XXXX on Sunday, XXXX XXXX from the XXXX government approved site XXXX. Both times I received a notice that I was unable to get a copy of this report.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX are all third parties. I was not told that my nonpublic personal information would be given to a third party, nor was I given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, nor was I given an explanation of how I, the consumer, can exercise the nondisclosure option Per 15 USC 6802. While looking at my credit reports I found that XXXX XXXX XXXX XXXX  account ending in XXXX, the XXXX XXXXXXXX account ending in XXXX, the XXXXXXXX XXXX account ending in XXXX, and the XXXX XXXX XXXX XXXX  account ending in XXXX all have my transaction history listed. Per 15 USC 1681a a consumer report DOES NOT include any report containing information such as transactions or experiences between the consumer and the person making the report. Also the accounts from XXXX XXXX XXXX ending in XXXX and XXXX, along with the XXXX XXXX XXXX XXXX account ending in XXXX and the XXXX XXXX XXXX card services account ending in XXXX have all been charged off. Per topic no. 431, canceled debt on the irs.gov website if your debt is canceled, forgiven, or discharged the amount of the canceled debt is taxable and you must report any taxable amount of a canceled debt as ordinary income. Which means that charge offs are counted as income and income SHOULD NOT be reported on a credit report. Per the privacy act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting 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. I need the following accounts to be deleted from my file right away XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX XXXX XXXX {$420.00} XXXX  XXXX Balance {$9900.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is myXXXX endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Medical XXXX Balance : {$77.00}