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

XXXX XXXX and Discover Card, along with credit reporting agencies such as XXXX, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 US Code 1681 and Privacy act of 1974. 
Additionally, I exercised my right to opt out of any and all authorization I, the federally protected consumer, may have given Discover Card and XXXX XXXX whether it be written, unwritten, verbal or nonverbal to report my information to a non-affiliated third party, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7- Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Consumer Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX New Jersey, XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGEOFFS being reported on my consumer report from Discover and XXXX XXXX, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports.
Product: Debt collection

I have XXXX XXXX the University XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX placed a collection for {$1000.00}. with Tice Associates INC. I had a three-way call with XXXX from XXXX XXXX XXXX XXXX and XXXX from XXXX XXXX XXXX XX/XX/XXXX. Per that called it was found that XXXX XXXX did not process the claim as an out of Network claim. XXXX XXXX stated that they had requested medical records for the date of service XX/XX/XXXX, however, since XXXX XXXX XXXX is not in Network, they will reprocess the claim and made it clear that my obligation to pay since it is out of network is {$200.00}. However, XXXX stated that her manager XXXX stated that the {$1000.00} has to remain on my credit report as an collection until XXXX XXXX pays the claim. This is a clear violation since I do not owe XXXX XXXXand the claim is being reprocess for payment. XXXX XXXX also provide XXXX with a provider # XXXX for the call.
Product: Credit card or prepaid card

I recently contacted Walmart service representatives about a high spike in interest rates on my card. I pay my bill on time and I have never been late making payment, for some reason in the past months my card balances continued to go up and my interest rates continue to increase!! My payments each has spiked up as well.The representative couldn't give me a reason why my interest rates, balances and my payments continue to increase.
Product: Credit card

I used my chase/visa card to purchase close to {$50000.00} in merchandise for a company called XXXX. The site is no longer functioning, I can no longer log in, costumer service email and number are no longer being monitored, and I have no means to reaching anyone at the company. I filed a chargeback with Chase but it 's been a nightmare. They are unwilling to help me and it appears there dispute department is outsourced. Its been 45 days and I have not been helped one bit. I mailed a XXXX page document of everything I was owed but I received a letter saying my chargebacks were denied. I dont know what else to do and can not understand why they are not protecting me from companies like XXXX. There are other people who are in the same situation as me, XXXX, and they have already been refunded. Chase is just unwilling to help.
Product: Credit reporting or other personal consumer reports

XXXX experian and XXXX have failed to validate the debts for the accounts under 15 U.S.C. 1692g The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX of 2023 I have received a late payment with XXXX XXXX which I believe their system faulted. I believe this to be a billing error on XXXX XXXX as their system has been glitchy when connecting to external banks to pull funds for Credit Card payments. As you can see I have always been in good standing with them, and due to this glitch and them closing out the card and marking this as a late payment, it has severely effected my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX {$420.00} XXXX XXXX XXXX {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX  account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX has Violating my rights 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states that I consumer reporting agency can not furnish an account without my Written instructions
Product: Mortgage

I have had been sending half payments every two weeks {$320.00} and {$400.00} for about five months XXXX XX/XX/XXXX, XXXX XXXX  called and told us not to send anymore partial payment. From now on to send full payment and that she would be sending back the {$320.00} dollars .Never got the {$320.00} back .So I called in to make full payment .They said, this account was not taking payments and was locked .Soon after that I got a letter from a lawyer, that there going to foreclose on my hose. They said I would a mod. loan in thirty days, and a case manager would, never called. I called that day, they said he was not able to talk .They put another appointment for XX/XX/XXXX to talk to me. I think their just killing time, days. To make me fall farther behind on my mortgage. I called them, where is the money, I have sent, they said that the money was set on another account because it was not a full payment, now they say that I need to send them {$4400.00} before XX/XX/2020 and that would put me back on track. Then I could make my regular payment.
Product: Checking or savings account

I have a navy federal and Ive been with them since the time span of the surprise fees with opps. I used to tell them my money was missing but they used to say their processing was accurate.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : - Creditor/Company Name : XXXX  - Account Number : XXXX - Inaccurate Information : - The XXXX report lists the account as having " XXXX XXXX ( terms ), '' which is inconsistent with TransUnion and XXXX, which correctly report " XXXX XXXX ( terms ). '' This inconsistency creates confusion and misrepresents the accounts terms. 
- XXXX includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' which is not present in TransUnion or XXXX reports, suggesting unresolved disputes. 
- The " Date Last Active '' is listed as " XX/XX/2024 '' in XXXX, whereas TransUnion and XXXX correctly report " XX/XX/2024. '' - The " Date of Last Payment '' is reported as " XX/XX/2024 '' by XXXX, while TransUnion and XXXX accurately list it as " XX/XX/2024. '' - XXXX includes comments regarding a " CONSUMER STATEMENT, '' while this field is blank for both TransUnion and XXXX.
Product: Debt collection

On XX/XX/XXXX after multiple times and request to stop calling me, Sallie Mae called again but this time she called my sister asking for my XXXX father which doesnt live with her. She asked my sisters personal info in which my sister refused and told them she would pass on the message. So I called Sallie Mae and requested them to stop that the debt was being taken over by XXXX XXXX XXXX. She was aggressive and raised her voice and said I need to pay now and then threaten legal action against me. She then went on to tell me she was going to call every single XXXX of my family members. She has called my immediate family and my landlord. This needs to stop what do I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Columbia Collections company is still reporting my accounts as OPEN on my credit reports when in fact they are closed and should be deleted from credit reports per Chapter XXXX bankruptcy.Despite a request to Columbia Collections ( XXXX 2016 ) and several disputes requests with all three credit bureaus ( XXXX, XXXX & XXXX ), the accounts still show as open.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions XXXX XXXX XXXX XXXX Reported XXXX XXXX Amount {$2500.00} Act # XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX Amount {$260.00} Acct # XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX Amount {$580.00} Acct # XXXX
Product: Checking or savings account

This is in regards to 5/3 bank checking account offer which states, " Essential Checking account must be opened between XX/XX/XXXX and XX/XX/XXXX. To obtain the {$300.00} bonus, deposit ( s ) totaling {$500.00} or more must be received within 45 days of account opening [ criteria 1 ] AND maintain a {$500.00} minimum balance for 60 days [ criteria 2 ] ''. I called Fifth Third bank today, spoke with XXXX in XXXX, OH at XXXX, who informed me that I no longer qualify for the {$300.00} bonus because my balance had at some point fallen below {$500.00}. I explained to her that I still qualify for the offer because I completed criteria 1 and am still able to complete criteria 2 because criteria 2 does not say at what point in time criteria 2 needs to be met - For example, a certain number of days from account opening or a certain number of days from when you make the initial {$500.00} deposit. 

In my particular case, I opened a 5/3 Essential Checking account on XX/XX/XXXX and provided them with the offer code they had sent me. On XX/XX/XXXX, I made my first deposit of {$500.00} or more ( meeting criteria 1 ), then I withdrew money causing my balance to go under {$500.00} ( which I argue does not disqualify me ), and then I brought my balance back to {$500.00} on XX/XX/XXXX and have maintained it at {$500.00} or more ever since. On XX/XX/XXXX, 60 days from XX/XX/XXXX I will have completed criteria 2 and should be given {$300.00} from Fifth Third Bank. 

Had the language in the bonus offer stated, " To obtain the {$300.00} bonus, deposit ( s ) totaling {$500.00} or more must be received within 45 days of account opening AND maintain a {$500.00} minimum balance for 60 days from the date of the first deposit of {$500.00} dollars or more '' then they would have reason to disqualify me. But that is not what it says. 

At the web address below you will find their current offer with the same language as the prior offer just different dates as to when the offer expires and current offer is {$200.00} instead of {$300.00} when I signed up : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. My name should only be listed as XXXX XXXX XXXX. any other name is Fraudulent. Also the only address on my report that should be on any on my three reports is XXXX XXXX XXXX, XXXX XXXX, FL XXXX and the accounts that need to be deleted are ; 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  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 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

This is my 2nd 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. The items 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 items : XXXX XXXX Balance {$900.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$720.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX AV XXXX, IL XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX. Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Product: Mortgage

I HAD A MORTGAGE WITH XXXXXXXX XXXX AND CHASE MORTGAGE TOOK OVER THE ACCOUNT AND DOUBLE THE PRICE AFTER I HAD A MORTGAGE WITH XXXXXXXX XXXX FOR ALMOST 25 YEARS OF LIVING IN MY HOME TOOK ME TO COURT AND STARTED EVICTIONS PROCEEDINGS AGAINST ME. MY MORTGAGE WAS JUST ABOUT PAID WHEN THEY TOOK OVER THE ACCOUNT AND WITH THEM DOING THIS TO ME I HAD TO REFINANCE MY HOME IN ORDER TO STAY IN MY HOME
Product: Debt collection

I recently checked my Credit Report and noticed Fidelity Creditor Serv. listed on my report. I do not have any prior business relationships with this company. Please communicate by usps mail only no phone calls. I am requesting that this be deleted from my Credit Report right away.
Product: Credit reporting

i am following up on a re investigation dispute sent in on XX/XX/2016, Received XX/XX/2016 and signed for at XXXX. today XX/XX/2016 I am speaking with an Experian XXXX. She states the company you have dispute with has 3 options 1 ) Remain 2 ) Delete 3 ) Closed I ask on my second dispute to get validation on this debt with my signature, SS, DOB? 

She replied as this creditor is signed up electronic and does not have to show or provide a copy of my signature or and personal information. it is simple the 3 choice above. 

I went so far as sending a police report stating identity theft and this could possible be an account that drive from it. So they kindly placed me on internal hold and the out come. not removed. Creditor Validation with a 1 of 3 choice nothing more. this is not fair
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan was taken out fraudulently pay under my name. Both subsidized and I subsidized loans were taken out in my name totaling almost {$5000.00}. I did not take out any type of student loans and ever since finding out in XXXX Ive been working to get them removed off of my credit. It removed from 2 bureaus because it was verified they were my account except on XXXX.
Product: Debt collection

XX/XX/2019 Midland Credit Management took me to court but we worked out an arrangement and now they trying to add more money because I was paying the {$100.00} a month. Now they are taking me back to court again and put it back on my credit report like I was not paying them. They have been calling me none stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions In accordance with the Fair Credit Reporting act 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 a account without my written instructions
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 {$8.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$8.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report again, I discovered incorrect information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit bureaus to validate these accounts. It is not permissible to leave these accounts unverified without providing proof within the legally specified timeframe. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$580.00} XXXX  XXXX Balance Owed : {$360.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Formal Complaint Against EQUIFAX for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against XXXX for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : {$0.00} Despite providing evidence that the charge off account is incorrect, EQUIFAX has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against EQUIFAX for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for EQUIFAX 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require updating and correction. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 to late payments on an account that I was in fact paid on time. The consumer reporting agencies have the 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 XXXX XXXX XXXX XXXX Account # XXXX XX/XX/23 XX/XX/23 I am now requesting you investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demmand these payments be updated to paid on time immediately. Thank You for your understanding and prompt actions