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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 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

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 USC1681. 
XXXX  Account XXXX # XXXX XXXX  Account XXXX XXXX XXXX Account # XXXX, XXXX  Account XXXX  Account # XXXX, Non authorized inquiries : XXXX, XXXX, ML XXXX XXXX XXXX XXXX XXXX, wrong address:XXXX  XXXX XXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS, XXXX XXXX XXXX XXXX XXXX XXXX KY, Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX KS,XXXX  XXXX XXXX, XXXX XXXX, KY XXXX LISTING WRONG EMPLOYER : XXXX XXXX XXXX has VIOLATED my RIGHTS. 
15 U.S.C 1681 SECTION 602A, States I have right to privacy.

15 U.S.C. 1681 SECTION 604A 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 items 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

I have been having a few phone calls with the credit bureaus. They have tried to help me between disputes and getting my credit report. I am the victim of identity theft. This has been very straining. I have been working with the credit bureaus. I have no idea where to turn for help. I think it needs to be more intense than just what the credit bureaus can do. I have had a credit report security freeze in place for the last three years. For example, XXXX XXXX and XXXX reports don't match. I do not have any checking accounts at all, but under inquiries viewable only by me, it shows XXXX XXXX, but I have not had a XXXX XXXX account in more than 15 years. Whoever has that old account access and that old XXXX account may be trying to use my identity. I can provide them with all of my previous emails if requested i will work with cfpb and XXXX XXXX and Experian and XXXX directly i will also work with XXXX XXXX
Product: Student loan

I applied for SAVE plan in middle of XXXX. Nelnet acknowleged application by end of XXXX and requested XXXX days to process the application. I waited until XX/XX/XXXX. But repayment plan was not changed, only another notification asking for another XXXX  days as " application is moving up the queque ''.
Product: Credit card

I applied for a Walmart credit card under the impression that I was to receive a {$25.00} credit on my first statement. Which I did n't. I returned a item and paid the difference at the store so I could inquire about my issue. I was told to call Walmart credit card directly and was instructed to pay my balance and the credit will show on my next statement. Which id did n't. I called again and was told that my {$25.00} would not show till my 3rd billing cycle. That was not told to me and I feel that I was mislead my Walmart about the {$25.00} credit. I alo asked the Walmart associate over the phone if I were to cancel this card would it affect my credit score which he said it would. I feel like the employyes and Walmart should better inform costumers when applying for this credit card. I want to cancel the card but do n't want my credit score to being negatively affected.
Product: Checking or savings account

I closed my savings account at Citi Bank on XX/XX/XXXX but have NOT received the balance check. 
I contacted Citibank XXXX XXXX regarding this issue 17 times ( 13 times of phone calls & 4 times of online chats ) so far. Each time the answer was basically same : The check is on the way. It will arrive next Friday. or A new check will be issued, and you will get it within 2~3 weeks. 
Five ( 5 ) months have passed since I closed the account. This is totally unacceptable. 
I even asked for other options to get the fund back such as transferring to other bank account, opening a new account at Citi Bank for this fund, or sending the check by certified mail, but nobody in the XXXX XXXX gave me alternative ways other than sending a check by standard mail. 
I sent a complaint letter with certified mail on XX/XX/XXXX, but Citi Bank seems to not receive this letter whenever I check the XXXX tracking number. 

Here are contacts for Citibank XXXX XXXX ( There are only two options to contact. ) Phone : XXXX Mail : XXXX XXXX XXXX, XXXX XXXX, TX XXXX
Product: Debt collection

PRIMARY RESIDENTIAL IS A DEBT COLLECTOR AND IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THIS ACCOUNT IS PAID IN FULL. I AM THE CREDITOR THAT GAVE XXXX XXXX. THIS IS MY 3RD ATTEMPT WRITING ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BUT GIVING YOU AN OPPORTUNITY TO REDACT.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on XX/XX/XXXX XX/XX/XXXX XXXX XXXX and XXXX regarding a late payment on both XXXX XXXX XXXX  accounts. On XXXX I spoke to a supervisor who stated she was going to remove the late payment reporting on my credit report for my Mastercard XXXX XXXX XXXX   account. I have a mastercard and visa with this company. The late payment was reflected in XXXX on both accounts. I have sent a letter from the creditor to Equifax to update the accounts and remove the late payment. They removed the late payment on the visa but not mastercard. I was told by a supervisor on XXXX that she would remove it on mastercard. On XXXX I got an email that an investigation was complete. I called to check the status and the late payment was still reporting. I asked to speak with a supervisor. She put me on hold and then disconnected the call. This is poor customer service and this late payment is supposed to be removed. This company is violating my rights by reporting inaccuracies. They have a letter from the creditor to update the late payment on my mastercard and they refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my police report showing where my identity was stolen along with letters. Still no update or response. They are not complying with the law. The continue to report this that does not belong to me as I have been stating for years and provided proof.
Product: Credit card

Synchrony Bank sent me a Visa credit card, saying that I have been " upgraded to a new level of gas savings '' for my Chevron gasoline card. I did not request the Visa card and my Chevron card had not expired. When I called them yesterday to ensure it had not been activated and to say that I did not want new credit I was told by both the Representative and his supervisor that, Yes, an account had already been opened in my name. This is not a case of fraud or ID theft. This is Synchrony Bank trying to push credit on me, likely for the purpose of inflating their bottom line. Synchrony Bank has a practice of doing this as it also occurred last year with my XXXX XXXX account, for which Synchrony manages the credit. This is very similar to the XXXX XXXX situation and I am wondering what regulatory entity covers such cases of opening accounts without the permission of the consumer? I would like to file a formal complaint. This is well beyond prescreening and preapproval as they actually sent me XXXX cards and assigned account numbers. They were only willing to " cancel '' the account if I gave them identifying information about myself, specifically my social security number and address, which I was unwilling to do, so they hung up on me. Please let me know how I can file a formal complaint about this predatory practice.
Product: Credit reporting or other personal consumer reports

I am trying to get my TransUnion credit report and I am unable to get it, I went on the website for XXXX and I wasn't able to retrieve the one for TransUnion and when I went into the website for TransUnion it is asking me to pay for it.
Product: Debt collection

i Purchased a {$60.00} Toy on my ( HHGreg ) Credit Card in XX/XX/XXXX and i returned in 2 weeks, Store Customer Service ( Returned item Cashier ) made mistake and returned {$60.00} to my Different Credit Card instead returning Back on ( HHGreg ) Same Card i realised in XXXX some time then i started Calling to Store and Credit Card Bank ( SYNCB ) and amount became XXXX HHGreg they Shut Down all their stores, and ( SYNCB ) don't want to Cooperate. i have tried with XXXX and XXXX Customer Service referred me to XXXX now please i request help from you guys i should not be penalized for something i did not do. i always wanted to pay original amount but no body listened to me. 
please help : :
Product: Debt collection

I had an outstanding bill for XXXX XXXX XXXX XXXX XXXX XXXX for coinsurance. I was not aware of the bill, as I am on the road every week for work. Once I noticed the bill on my credit, I reached out to XXXX XXXX XXXX XXXX XXXX to make the payment. They accepted the payment and I was informed that this information would be deleted from my credit report. However, I spoke with the collection agency and they told me that even though I paid XXXX XXXX XXXX it would not be deleted from credit reporting, as I was paying with them directly. It was my understanding, that a paid debt to the original creditor could not be collected on or reported to the credit bureau. I have paid my bill in full to the original creditor
Product: Credit reporting

Someone is using my Social Security number and has a mortgage and credit card. I could not access my report because of this.
Product: Debt collection

I pulled my free annual credit report and they charged off all my credit cards without a judgment. It is an on going problem. I have very low credit. I just had it pulled for XXXX XXXX in XXXX XXXX XXXX. I reported it with you web site before XX/XX/2019 to repair my credit and work with all my credit card companies. I sent it online through tweets in twitter credit report company site in XX/XX/2019. I pay a little every month until I can pay the full amount and they all may not report it to the credit agencies people. I missed out on renting at XXXX XXXX because my credit score was under XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made several attempts to let a Equifax, consumer reporting bureau know that there are items on my credit repot that is not mine but yet they continue to report these inaccurate items on my report i.e. addresses and accounts.
Product: Credit reporting or other personal consumer reports

To whom this may concern my name is XXXX XXXX, and I I'm the one generating this report. The accounts listed in this report should not be
reflected on my consumer report as they violate my rights as a federally protected consumer according to 15 US code section 1681-E 1681-I and 1681S2. I have identified the inaccuracies in which need immediate correction and attention per FCRA guidelines. I request a thorough investigation into
these discrepancies and prompt removal to uphold the integrity of my credit report and my consumer credit history.
Product: Credit card

BofA card. Booked flight 0nXXXX/XXXX online. Recieved call from BofA fraud to check charge. Confirmed all of my info. Was told everything checked out. Recieved itinerary from airline. Checked card balance on XXXX. Balance was short airline charge. I called BofA to find out why and I was told they declined the charge. My credit rating is excellent, and I carry a very low balance ( balance was {$300.00} dollars at time of booking. Credit limit of {$8000.00}. ) But they approved the charge from the internet booking company for {$12.00}. I then needed to rebook my trip, and the cheapest flights we could find were {$300.00} more than previous. Flights were rebooked on my wifes credit card, as we no longer trust BofA. BofA is directly responsible for this charge, but they refuse to pay. Card was cancelled on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

when to a dealerships to purchase a vehicle, i had no idea that my credit will be run buy multiple of lenders. left me with multiple hard inquiries. 

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
Product: Debt collection

This call took place XX/XX/2024 at XXXX Central Time and lasted 36 minutes. The call was made to American Express at XXXX. 
Called American Express to update them with information about a Claim I submitted with American Express XXXX XXXX XXXX XXXXXXXX XXXX regarding one lost payment I sent in via Certified Mail tracking on XX/XX/2024 and one payment, again via Certified Mail tracking, they refused to process I sent XX/XX/2024. 
The automated system took me to an individual that I began speaking with to let him know I was following up on a call from yesterday, XX/XX/2024 as I was receiving calls from American Express notifying me they would be canceling my account due to non-payment. 
I informed the representative I spoke with that I am following up to inform them not to take any adverse action on my account because I submitted a Claim on XX/XX/2024 and have not yet heard anything back from the above mentioned parties to address my Claim. 
The representative began asking me questions about my account, the payments I sent in, and asked me to give him my phone number. I told him it was the same number on my account and he insisted I tell him the number in full. It was at this point, when I asked why he needed my number if he has it on file that he informed me he was from the 'XXXX XXXX XXXX  '. This was 20 minutes into our call.

I gave him feedback at the end of the call that the first thing he should have done is identify himself as being a collections agent and he did not respond to my feedback.

This call was recorded by American Express, the confirmation number the associate gave me for this call is XXXX XXXX XXXXXXXX and the Complaint number generated as a result of this call is XXXX. 

The associate was clearly uninterested in identifying himself and why he was speaking with me and even more uninterested in my feedback about his unfair, deceptive and misleading practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reopening a case with Chase executive office to help fix my credit report information. Chase closed all my credit cards on XX/XX/XXXX and I have accepted this. I had a large tax refund and I recently paid off all my business and personal Chase credit cards except one. I am asking the Chase executive office team to update my personal credit report as a result of the multiple Chase credit card account closures. My credit score has been negatively impacted by Chase reporting " account closed by credit grantor '' to the credit bureaus. Seeking a good faith resolution to update my credit reporting information by Chase. Otherwise, I would need to submit a credit card dispute form by a credit repair agency. However, I am seeking a good faith resolution with the Chase executive office team.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I got a reminder notice from XXXX XXXX claiming they never received my payment and charging me a {$2.00} late fee and threatening to disconnect my water service for nonpayment. I paid the bill through nfcu 's online bill pay as I always do and it was supposed to be delivered by XXXX XXXX. I do n't know why nfcu DID N'T pay my water bill but this needs to be resolved IMMEDIATELY. The customer service from nfcu lately sucks!!!!
Product: Student loan

Nelnet has been completely incompetent when it comes to successfully processing IDR applications. I went to FASFA and applied for the SAVE IDR repayment plan. According to the payment calculator based on my income I should owe {$0.00}. FASFA confirmed that they had my permission to access my information from the IRS where they can easily see that I have always made under {$30000.00} a year. I submitted my IDR application along with a tax form sent by my employer but after finding out that Nelnet doesn't accept this as proof of income I went to my Nelnet account and uploaded a document showing a recent payment received from my employer as proof. Last week I got a notification on the website saying some information was missing from my IDR application and that they would send me email saying what they needed. I never received an email. I have already provided proof of income so there is no information missing. Now when I go to Nelnet site it doesn't even show my IDR application being processed any more and I can't reapply since the page of the FASFA site is experiencing an error. I have reuploaded my application and the proof of income to the Nelnet site. I have turned off Auto Debit since I should no longer owe them any money and have no intentions in paying when my low income qualifies me for no more payments.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 XXXX 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 AND XXXX. 

Account Name : XXXX  XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXDATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX : Account Name : XXXX XXXX XXXX  XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name XXXX XXXXXXXX XXXX XXXX XXXX XXXXDATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXDATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

They called me at XXXX XXXX while i am laying in the hospital. He transferred me to make a payment and I was on terminal hold. Since the woke me I figured I would make the stupid payment and when I called to try and actually do it I got hung up on by XXXX different representatives. They have been hatrassing me but calling at XXXX XXXX takes it to a completely different level.
Product: Credit reporting or other personal consumer reports

I was informed by XXXX credit reporting agency that a credit check had been requested. Our credit score was negatively effected by this request. I did not authorize this action and made no application for credit. This inquiry was made by J.P.Morgan Chase, XXXX XXXX XXXX, XXXX. XXXX, New York XXXX. Our home bank is Chase Bank in XXXX. To our knowledge we have not had any interaction with the New York Bank. This led us to fear this inquiry may have been initiated by a fraudulent attempt to use our information to obtain a credit card or some other financial service. We inquired with our home bank and were told they had no information that would indicate Chase had asked for the report and were told to call XXXX. After very long delays on the phone XXXX told us we had to call Chase. We attempted to reconnect with Chase bank but were unable to because of the very long delays and lack of response. 

Remedy - Chase bank needs to communicate with us regarding this unauthorized request and remove this negative item from our credit report.
Product: Debt collection

Its an automated system and they call the place I use to work. It is constant.