23daVinci/CFPB_Complaints huggingface dataset:
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, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX Account name : XXXX # XXXX, Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : 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

Im a victim of identity theft and the credit bureaus have not properly investigated my file and have not removed the items I addressed as a result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection from XX/XX/XXXX on my credit report which has plummeted my credit score that I have worked for five years to rebuild. 
XXXX  makes it impossible to reach a human being, blocks me from signing into them, lies about having called me and refuses to remove a collection from almost five years ago that suddenly appeared on my credit report this year. A ) There are two people listed on the account that I have knowledge of, B ) They never billed me after sending me a FINAL BILL in early XX/XX/XXXX & C ) the account was supposed to have been switched to someone else! 
I have gone back & forth with XXXX for three weeks. This is ridiculous!
Product: Credit card

Bought a XXXX phone and financed it XXXX XXXX ( TD Bank ). Recently received an email from TD Bank saying they were changing their system and I would need to change my password. Have tried several times to do so. Their system will not accept any password from my password generator. TD has special requirements for what characters and symbols can be use. Unfortunately, they do not tell you what they are. So when you receive an error message saying illegal character, you do not know what character in the password is not acceptable. Have tried calling them numerous times. you can wait on hold for several hours, but no one ever answers. I can not access my account and get my monthly statement. 

According to the Fair Credit Reporting Act, TD Bank is required to send me an account statement every month. I have made a good faith effort to obtain my current statement. Now I am asking you to look into the problem and take appropriate action ( fines, etc. ) to remedy the problem. Until I receive an account statement, I will make no further payments on the account.
Product: Student loan

To whom it may concern : I am a federally protected consumer and I am writing this complaint myself. I have been attempting to resolve my concerns with Fed Loan Servicing since XX/XX/XXXX and have not received the requested documents or response Ive requested. I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received an email stating my documents were received but never received anything else. My request includes the original instrument of indebtedness, account production, and general ledger. I have only received copies of the consolidation request not the contract signed by both parties nor an invoice. Recently, I received an email stating that my loans have been sold without my consent and still no response to my initial request. My loans should not have been transferred especially after not honoring my request. FedLoan Servicing has had ample time to provide the items requested and the loans should be discharged d/t non compliance and not honoring my request as a federally protected consumer. Assistance with this matter will be greatly appreciated. Please see the attached correspondence sent to FedLoan Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of trying to buy a house and I got on XXXX XXXX and saw that my credit score was below XXXX and I clicked on there to see why and I had 24 late payments from XXXX XXXX XXXX XXXX and I ca n't understand why when I was in forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attempted numerous mail-in disputes to resolve these negative delinquencies regarding my Experian account, but still, nothing has changed. XX/XX/2020 I received an email from EXPERIAN at XXXX XXXX stating that I was on a 6-month payment streak, but yet the reported negative remarks on my account state something entirely different. Additionally, the majority of, if not all my positive payment history doesn't even show up for ANY of my prior personal/auto loans, so that doesn't help my score average out at all. In a nutshell, literally, almost nothing on my EXPERIAN file is reported accurate other than possibly the 3 latest instalment accounts I opened since XX/XX/2020 attempting to ease this significant burden during this pandemic. What's ironic is I actually have a screenshot of my XXXX XXXX profile on my app from XX/XX/2020 stating I'm 59 months CONSISTENT on my payments.
Product: Credit reporting or other personal consumer reports

WITHOUT MY WRITTEN CONSENT, LexisNexis and XXXX XXXX XXXX has UNLAWFULLY shared personal information pertaining to my credit and have violated Federal Law as well as the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, 15 United States Code 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. Lexis-Nexis Risk Solutions have not abided by these reasonable procedures. I have repeatedly instructed them to discontinue violating my privacy and they have failed to abide by their lawful agreement and ensure the fairness of me as the consumer. IT IS MY RIGHT to OPT OUT of their reporting of my information and their LAWFUL DUTY to discontinue reporting it. 15 United States Code 6801 states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' LexisNexis is a financial institution by definition under that title. 15 USC 1681 section 604 ( 2 ) also states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' As it relates to Lexis-Nexis Risk Solutions, I NOW REVOKE ALL WRITTEN, VERBAL, NON-VERBAL, ASSUMED and UN-ASSUMED or IMPLIED consent to furnish my personal credit information. Any and all consent to any creditors whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Finally, 15 U.S. Code 1681 ( e ) states ''Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Under that explanation, Lexis-Nexis Risk Solutions and XXXX XXXX XXXX are not abiding by those very reasonable procedures. So, per FEDERAL LAW, specifically 12 CFR 1016.7 which states that " A consumer may exercise the right to opt out at any time '', I am opting out of your reporting services. Discontinue your unlawful practices and provide WRITTEN confirmation that the above instructions have been carried out.
Product: Checking or savings account

I am writing to file a complaint against Wells Fargo regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent XXXX findings against Wells Fargo for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

XXXX XXXX XXXX reported on XX/XX/XXXX a collection on my XXXX  credit report for {$530.00}. When I contacted the number listed, they say the original creditor was Cashnet USA and the debt is related to a XXXX payday loan. I was never notified of this debt, and when I requested detail on the specific debt, they were unable to provide it and referred me to a company with a disconnected number. I called the company Cashnet USA that they say was the original creditor, and the company confirmed I never had any unpaid loans from them. I have disputed this charge with XXXX  and am waiting on resolution to get it removed from my credit report. I do not understand how a company can just add a collection on a consumer 's credit report without any support or prior notice to the consumer. The credit bureaus need to address this issue, it has impacting a large number of consumers, judging by the number of complaints about this company and others like it on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

ACCOUNTS : 1. Collection agency : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account Number XXXX 2. Collection agency XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account Number XXXX 3. Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number XXXX 4. Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Account Number XXXX 5. Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX Account Number XXXX HARD INQUIRIES : 1. Creditor information XXXX 2. Creditor information XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXXXXXX XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX XXXX  XXXX 8. XXXXXXXX XXXX XXXX 9. XXXX XXXX XXXXXXXX XXXX XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX XXXX XXXX XXXX XXXXXXXX 12. XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXXXXXX XXXX 16. XXXX XXXX 17. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 18. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX 19. XXXX XXXX XXXX XXXXXXXX  XXXX XXXX 20. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 21. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 22. XXXX XXXX 23. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Company Reported Debt in 2022 Which I did not Live at the property. This is a third party company reporting on my credit report and I do not have signed documents with this company. 

I check my credit report regularly to see what my score is. I had a XXXX and starting a new journey this inaccurate reporting is making the adjustment to find a place to live harder because it is not mines. 

I would love for this matter to be resolved so I can provide a roof over my families head.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL THREE CREDIT BUREAU ARE REPORTING INFORMATION WITHOUT MY CONSENT
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is for an account balance via XXXX XXXX  XXXX credit union with a balance of {$230.00} that has been paid in full please remove from my report.
Product: Bank account or service

XXXX XXXX, 2015Institution Name : U.S. Bank ( XXXX Office ) Account/Product Type : Checking/SavingAddress : XXXX XXXX XXXX XXXX XXXX, IL XXXXU.S. Bank has been defrauding me. U.S. Bank began showing different account balances than what was actually in my account and causing me to write checks, withdraw money and incur over-draft fees because the balance that the bank would show ( after all withdrawals ) was not accurate. I began to notice that this was a pattern and had been going on for approximately XXXX-months so I closed my accounts with U.S. Bank and opened a checking account with another bank in XXXX, 2015. I notified Social Security and U.S. Bank well in advance. U.S. Bank received my check from the social security office on XXXX/XXXX/15 and is holding my check. As of today, the only check that has deposited into my new bank account is my XXXX/XXXX/15 check. Last month I notified Social Security that U.S. Bank is holding my check. As, per the Social Security Administration ( XXXX Office ), U.S. Bank is to return my check to them. Apparently, U.S. Bank is still holding my check. People on fixed income need their checks. I went over a month without a check because of U.S. Bank! This caused me to incur major setbacks, and I still do not have my XXXX check. I want an investigation into U.S. Bank, I want my check, I want U.S. Bank to cover all expenses incurred by me, and I do not want any further communication from U.S. Bank
Product: Credit card or prepaid card

Trying to activate a new card but when I call the number on the card and puts me on hold and ask to wait for the next worker. I have call on XX/XX/20 from XXXX to XXXX, XX/XX/20 at XXXX to XXXX and called on XX/XX/20 at XXXX to XXXX and I have not gon na a single person. There is no other way to activate the card and so im stuck at what to do cause now my money won't have anywhere to go.
Product: Credit card

They were charging me very high interests of almost 75 % for purchases in the store
Product: Credit reporting, credit repair services, or other personal consumer reports

COMMONWEALTH FINANCIAL SYSTEMS did not remove inaccurate information from all three major credit bureaus after I demanded them to verify those medical accounts with my signature on it. I'm highly upset they keep stalling the process and also harassing me with bills in the mail after I kindly asked them to remove this inaccurate information. NOW they are sending me letters to trying to offer me a " discounted '' price on these inaccurate accounts i'm getting harassed about. 

COMMONWEALTH FINANCIAL SYSTEMS Account Number : XXXX COMMONWEALTH FINANCIAL SYSTEMS Account Number : XXXX COMMONWEALTH FINANCIAL SYSTEMS Account Number : XXXX COMMONWEALTH FINANCIAL SYSTEMS Account Number : XXXX ( XXXX XXXX XXXX ) Account Number : XXXX XXXX These are the accounts I'm getting harassed about.
Product: Credit card or prepaid card

I used my Citibank Thank You Rewards card to purchase a trip on XX/XX/XXXX. We took our trouble but ran into a little trouble with the flight. When we returned I contacted Citibank to dispute the charge, the dispute was entered for the full amount of the charge which was {$1700.00} which was never the amount that I wanted to dispute. What I was trying to do was dispute half of the airfare portion because we missed a half day of our trip due to airplane trouble. A provisional credit was given for {$1700.00}, I called and stated that the amount wasn't correct, another credit was issued for {$1700.00}. That two credits and someone must have realized it and reversed one. This left one provisional credit of {$1700.00}. The dispute was then closed because XXXX XXXX didn't agree, in the meantime I made two payments of {$890.00} which totals {$1700.00}. When the dispute was closed, I had it reopened explaining that all I was trying to do was get {$490.00} which is half of the airfare, when the initial dispute was denied it was fine because all I would have owed Citi is whatever I charged while the dispute was going on. What Citi did was instead reversing the {$1700.00} credit, they rebilled me {$1200.00} which to means they were crediting the {$490.00} as requested, that is the difference between the provisional credit of {$1700.00} and {$1200.00}. They are trying to tell me I still owe {$1700.00} and that is not correct and I am unable to understand why I can't seem to get these people to understand that. I contacted the Office of the President at Citibank and spoke with a XXXX XXXX who stated she would have this issue resolved and I have not heard back from her aside from a voicemail she left at my home on XX/XX/XXXX that said nothing about what was being done. I called Citi again today and was told that XXXX XXXX noted my account that the investigation was closed. How can you close something without advising the client and also the situation has not been resolved.
Product: Credit card or prepaid card

In XXXX of this year I became a victim of credit card fraud. My XXXX credit card was compromised. Fraudulent balance transfers in the amount of {$91000.00} were made against my XXXX credit card account with a credit limit of only {$6700.00}. I disputed the frudulent balance transfers immediately. I was asked to make and have made minimum payments on the fraudulent charges to avoid derogatory remarks on my credit report. XXXX XXXX then reported the fraudulent balance to the credit bureau and my credit score dropped 100+ points in XXXX of this year. I am in the 4th month of waiting for resolution and for my credit to be restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, LTD ACQUISITIONS LLC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LTD ACQUISITIONS LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a foreclosure from 8 years ago still on my credit report that should have been removed due to the amount of time that has passed. The mortgage loan was through XXXX XXXX. The account has been closed for some time now. I would like it off my credit report. I submitted a dispute through Transunion to have it removed but they did not remove it.
Product: Credit card or prepaid card

This complaint is regarding the Comenity Bank XXXX XXXX credit card ending in XXXX. I have made MANY attempts to resolve this issue - several times by telephone, by message, by letter to bank president, by complaint to XXXXXXXX XXXX XXXX. With that in mind, I'll be as brief as possible. 

1 ). My first payment was late by two days because XXXX store # XXXX had difficulty processing initial transactions to the account, and I waited for the final corrections to come through. When I saw a XXXX late fee was assessed, I contacted XXXX to request a courtesy credit given the circumstances. A month later, I got another statement that not only did not reflect the original credit I called for in the first place, but added a second XXXX. I called customer service again and was told they couldn't make any changes to a closed account. 

2 ). I complained formally to the XXXX XXXX XXXX, only to learn that Comenity Bank is not registered with the XXXX XXXX XXXX 

3 ). I received an apology letter from bank president about a completely unrelated issue that XXXX mishandled. 

4 ). I wrote a letter to the bank president, which went unanswered.

5 ). I called customer service AGAIN. I spoke with XXXX, in XXXX, on XX/XX/22. She told me the account was never closed, and and agreed to credit the entire balance, to include late fees and any other fees. I asked for her last name, employee ID or some other identifying information in case I had a problem, which she said she could not provide. 

6 ). The action promised by customer service in # 5 above was never taken. THE NEXT customer service representative said they had no record of it. Late fees continue to mount and I am being harassed by their collection agency.
Product: Credit reporting or other personal consumer reports

reviewed my Consumer Reports and noticed that I had two late payments on an account, I have been keeping up with my payments and guaranteed that on time payments is my number one priority and that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have not been late on recent payments for the account XXXX XXXXXXXX account number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5400.00} XXXXXXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance XXXX {$810.00} XXXX XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXXXXXX Balance : {$5300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$58000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59000.00} XXXX XXXX XXXXXXXX Balance : {$5300.00} XXXXXXXX XXXX XXXX Balance : {$58000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY IDENTITY ABOUT A YEAR AGO AND OPENED UP CREDIT IN MY NAME. IT APPEARS THAT TWO OF THE ACCOUNTS WERE SOLD TO A COLLECTION AGENCY.