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

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. I am in distress and this matter has affected me from getting access to different forms of credit needed during a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit card or prepaid card

I have been always regular ( ontime ) payer on my zales credit card. I never missed any payment. But due to severe natural disaster ( Hurricane Florence ) I  am now broken. I have no job, no home, no savings and no financial support. As customer courtesy it is kindly requested, considering my regular payment records, severe natural disaster and my financial hardship to please refund following finance charges on my account : XX/XX/XXXX {$78.00} XX/XX/XXXX {$74.00} XX/XX/XXXX {$800.00}
Product: Credit reporting or other personal consumer reports

XXXX transunion and XXXX failed to remove the disputes I had on collections and hard Inquires on my report in results violating 15 usc law 1681n
Product: Credit card or prepaid card

Purchased airline tickets on XXXX Chase card on XX/XX/XXXX for 2 different purchases ; {$650.00} and {$130.00}. We canceled the flight bc XXXX XXXX told us to do so as to not incur cancel fees. They never answered any calls the numerous times we called. When we finally got through no one would help us. FLight was ultimately canceled any way, our vouchers were then expired XX/XX/XXXX. We received nothing for the almost {$800.00} paid to frontier due to COVID19. We tried to book the trip again, but the flight was never available and destinations were slim ... ... ultimately we did not want to travel right now due to COVID19. They will do nothing for us. I filled out a refund form back in XXXX and got an email stating I completed it and no one responded. Now our cc won't dispute the charges bc they said it was a nonrefundable ticket. THis was due to COVID!!!!
Product: Credit reporting or other personal consumer reports

A few years ago I cosigned for a car loan For my son and it went through Santander. Recently, my son refinanced the car so that my name could be removed and he would get a lower interest rate. I got a notification saying that the account was closed which dinged my credit again and it shouldve stated in all credit bureaus account in good standing paid in full. The loan was paid in full and transferred to another bank.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting Credit Act, XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX has also violated my rights. 

XXXX XXXX XXXX XXXX has also 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.
Product: Credit reporting or other personal consumer reports

Experian credit reporting agency has reinserted collections : XXXX XXXX XXXX XXXXXXXX, original creditor XXXX XXXX XXXX  ) for the amount of {$1400.00}.. They did this with out my knowledge or approval. 15usc1681i ( a ) ( 5 ) b.

15usc1681i ( a ) 6 ( b ) 3 15usc1681i ( a ) 1
Product: Credit card

So a few months ago, I had all my major banking done with XXXX XXXX. This included a checking account, XXXX savings, and a credit card. About a year ago, I opened an account with Navy Federal, the bank that I now use for all my banking needs. First, I only had a checkings and savings account with them. After I inquired about what interest rate Navy Federal could give me on a credit card, I was told I had an offer for a credit card with only 11 % APR, rewards, but most importantly, 0 % Interest on Balance Transfers for 15 months. I jumped on the promotion due to the fact that I had an almost {$1000.00} balance on my XXXX credit card. Now my complaint stems from the fact that after I completed my balance transfer a month and a half after getting my Navy federal credit card, I noticed a {$7.00} interest fee from the balance transfer. I called NFCU and I was told it was a mistake and that they did see my account has the offer for the 0 % interest on balance transfers for 15 months. They said it would take a week or two to fix and they apologized. At this point, I thought I fixed the problem ; however, I never got a refund and then I got another almost {$7.00} fee again this month for the same thing. Today, I went into a branch location to get my rent check and Then I sat with a banker to try to fix this problem for the second time. The banker called some number that told her there was a note from back office regarding my first interest fee of {$7.00}. The back office said I had a 10 day activation period listed in my disclosure form, and because I did n't do the balance transfer within those 10 days, the promotion no longer applied to me. 
This is ridiculous. I opened the credit card inside of a branch because of the promotion. The teller who assisted me SHOULD HAVE informed me that I needed to do the balance transfer immediately to avoid interest fees. Now, I 'm stuck with not just regret, but anger that a credit union is n't requiring their employees to disclose this information. Not only that, now I 'm stuck paying interest for something I could have avoided altogether. I called Navy Federal after leaving the branch today, spoke to a supervisor in the credit card department, and was basically given XXXX options. Do I want them to have the branch supervisor or manager talk to their employee, which I know definitely needs to happen, and/or do I want a new credit card without rewards that might give me a slightly better interest rate. There needs to be a third option : Have the branch manager speak to their employee about the importance of disclosing this information AND have the back office re-activate my 0 % interest for 15 months. I never thought I would say this about a credit union, let alone Navy Federal, but I feel deceived, cheated, and I definitely do not feel like a valued shareholder.
Product: Checking or savings account

On or about XX/XX/ I reported to my bank that there is an anuthorized user listed on my account that I am unfamiliar with and never received notice that anyone was added. USAA initially told me they would investigate and respond within a week. When I followed up, they changed their story to much longer. They told me the person added does not have access to my account and USAA will reach out to me with their conclusion. Approximately XX/XX/ I called back with an update for my report. This added party still had access to my account and USAA still did not address my concern. The representative blocked my account preventing anyone else to be added and was not sure why no one took these steps previously. They reassured me that USAA is working on this and I should hear from them any day. Today, XXXX XXXX I called to follow-up since I have not heard from the bank. This unknown person is still on my account! The representative also notified me that they had complete access to my account, which completely contradicts my previous call. She reviewed the account and stated the case is closed and she has no further details for me. She stated no one ever notified me and shes unsure why. I am in total shock that USAA does not have any safety measures in place and allows for strangers to add themselves to your account without any verification or confirmation from the account holder. I feel like they acted foolishly in addressing my concerns and passively dismissed each one. I feel extremely insecure in holding USAA as a bank responsible for my finances.
Product: Checking or savings account

Trying to link my bank account to my employers reimbursement system so I can get paid for expenses.
Product: Debt collection

Last XXXX my daughter was taken to XXXX XXXX  XXXX. She was an out patient. At the time of Service she received XXXX XXXX XXXX  which is essentially XXXX. I received a letter through XXXX  XXXX Saying that they approved and would Cover 100 % of her treatment. Now I am receiving bills from XXXXReceivable Solutions. If a bill is owed then that means someone didn't do their job. Not that I neglected to pay. I have communicated this multiple times. Not only did she have XXXX but she also started receiving XXXX half way through her treatment there which was reported to them but according to XXXX, XXXX  never filed a claim. I am officially disputing the debt on the grounds that It is not My fault if XXXX employees didn't do their job. I do not owe this debt. If they didn't get payment they need to take it up with the insurance companies. I also have charity through other hospitals. I have provided that as well below. I would think if I qualify through one I would qualify through the others. I have attached however the copy of the XXXX insurance cards and proof that a claim was never filed by XXXX. I will once again reiterate that I gave them the information while she was still in treatment. the made copies of the card but they told me that XXXX   XXXX approved the treatment all the way through. XXXX XXXX also confirmed it.
Product: Credit reporting or other personal consumer reports

" I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Account numbers ending in # XXXX ( Account Name : XXXX XXXX XXXX ) and # XXXX ( Account Name : XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Charge-Off Accounts Due to Inaccurate Activity Dates Dear Experian Customer Service, I am writing to formally dispute the accuracy of the information on my credit report, specifically regarding charge-off accounts that appears under my name. 
Upon reviewing my credit report, I found that activity dates reported for these accounts is inaccurate. This discrepancy has negatively impacted my credit score and does not reflect my true credit history. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I kindly request that you investigate this matter and provide me with written confirmation of your findings. If the information can not be verified or is found to be inaccurate, I ask that you remove these charge-offs from my credit report. 

Enclosed, you will find copies of relevant documents supporting my dispute. Please let me know if you require any additional information to assist in your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section XXXX ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX Yours Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I don't have an account with you guys! I want the original copy of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working with XXXX XXXX. I became their employee so that I can lease a truck. The lease company is call XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, ( XXXX ) XXXX. They told they only run credit check with Experian. The company Experian has a fraud alert on me. I became a member to get rid of the Fraud alert. I am paying Experian {$19.00} per month for services. They told me to send a copy of my driver license, letter of mail and other documents. I did send it to them and they told they have not received them even know I send it by certify mail ( racking Number : XXXX Your item has been delivered and is available at a XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 in XXXX, TX XXXX. ) and check with USPS AND HAS BEEN DELIVER. 

I call them today to clear it out and they told me to send it again. The XXXX XXXX is running a credit check and my score continues to go down, they will not approved my credit unless Experian approves me. 

I just gave up on this games with Experian and XXXX XXXX. They are ruining my credit score and plus now I can not get my truck so that I can start my own business as a Owner Operator. 

Please let me know what to do. 

Status Delivered XX/XX/2019 at XXXX XXXX Delivered, XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute complaint with XXXX, XXXX XXXX, XXXX in regards to a account that is not minds and the account is reporting 3 different balances due. the company did properly investigate the matter. the only remarks on my credit report was the balance updated to the same amount and also dispute resolved. the did not follow the proper investigation per the FCRA,
Product: Checking or savings account

I filed a dispute with Navy Federal in XXXX against a credit company. I provided all required documents to show proof of the error and the reason my funds should be returned to me. I received XXXX of the XXXX disputed and have been reaching out for almost two months to get an update on the reason for the delay. I spoke with a rep by the name of XXXX on yesterday XX/XX/year> at XXXX and was informed by him on a recorded line that he would be putting in a provisional credit and for me to allow 10 days to reflect, and the call ended with him and I. I called back to confirm that the provisional credit was put in and was informed that it in-fact wasn't put in XXXX and asked the reason why and why a rep would inform me on a recorded line that I would be receiving a provisional credit. She couldn't explain and kept saying the dispute process could take up to 120 days. I asked for her to review the call and give me a call back after reviewing the call, and was informed by her on a recorded line that she would do as such, and that I would be receiving a call back with given permission at XXXX XXXX  EST. I never received that call. I am highly upset because I have been banking with Navy Federal for over 4 years, and no one can nor will explain to me what's taking the dispute so long and why won't they provide me with a provisional credit while the dispute is undergoing, it's been almost 2 months and no resolution.
Product: Debt collection

XXXX XXXX  continue to call my mother and leaving her messages about filling a complaint agaisnt me, I have never rcvd a call from them. The first time i spoke to them they advised that i had an account with capital one for cc for {$900.00} with interest is going to {$2200.00} from year XXXX put could make a payment over phone for {$1300.00} to settle out of court. I advise that i have never rcvd any documentation on this account ever, then she when to saying that she would wait til end of day to submit on XX/XX/XXXX. the calls continue to my mother the following week reach out to them on XX/XX/XXXX they provided me with the company name of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, the kept threatening with taking me to court and the she would have an office serve me with document i did request to have the phone calls stop to my mother then XXXX become irritated and getting an attitude with me that i ended the call, they advised to contact capital one which i did the only info capital one provided me was a cc for {$400.00} that was sold to different company.
Product: Debt collection

This unknown fraudulent account appears on my credit report on XX/XX/year> in the amount of {$1600.00} this account is not mine I have know knowledge of this account its fraudulent. I have reached out to the credit bureaus am sent documentation showing this account is fraudulent
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. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX & XXXX XXXX XXXX, Account name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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: Checking or savings account

I found an article and wanted to see if I have a part of it since I was with Wells Fargo during those time frames!
Product: Money transfer, virtual currency, or money service

on XX/XX/year> my Zelle account was hacked and an amount of {$700.00} dollars was sent to " myself ''. i filed a claim with Zelle and they did an investigation showing there was no breach of my account and deemed it an legal transaction. I did not authorize this transaction nor did i do it on my own.