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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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: Payday loan, title loan, or personal loan

I have sent 4 ACH revocation letters to the company.

XX/XX/19 - email with pdf of letter sent to XXXX  

XX/XX/19 - faxed letter to XXXX

XX/XX/19- mailed certified letter XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX (rcvd XX/XX/19)

XX/XX/19 - emailed once again the pdf letter of ACH revocationXX/XX/19 - XXXX withdrew $XXXX   from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name VA XXXX XXXX XXXX Account # XXXX XXXX 15 USC 1681 SECTION 602A STATES THAT I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2, ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACOUNT WITHOUT MY WRITTEN INSTRUCTION. 
I DID NOT GIVE ANY WRITTEN CONSENT TO VA XXXX OF XXXX XXXX XXXX XXXX XXXX ( a ) ( 5 ) STATES 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. Code 1681s2 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.

15 US Code 1681a ( 2 ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; TRANSACTIONS OR EXPERIENCES BETWEEN A PERSON AND CONSUMER ARE EXPLICITLY EXCLUDED FROM CONSUMER REPORTS UNDER THE LAW.
Product: Credit card or prepaid card

I pay my bills by checks monthly when I receive the statements in the mail. In XXXX when I got my statement for this credit card it said I had missed XXXX payment so I called and paid over the phone and got it straightened out. I never received the XXXX statement in the mail, I guess the post office is overworked right now like everyone else. I realize its my responsibility to make sure my bills are paid every month and I have been a loyal customer with them for many years with NO late payments. When I called them and told them what happened he dropped the late fee but I later discovered my credit limit had dropped by {$6000.00}! And that affected my credit score. 
In XXXX they again tried to say I missed a payment when I called to see why it hadnt posted yet and they said they had not received it. I told them I had mailed the check on time, but to avoid any trouble I paid it over the phone and cancelled the check. The very next day I got a text that they had received the check. I can not control the US Post Office or the lack of employees to do the jobs at the credit card company. Its just a little weird that this is the ONLY CREDIT CARD I own that is having these issues. 
What is happening?? 
I have tolerated the lower credit score and credit limit but to increase my interest rate from 13 % to 29.84 %?? 
I dont think so.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I am requesting that the consumer reporting agencies remove the following accounts as it is unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the listed accounts have been reported without my expressed consent and therefore is a result of Identity theft. These accounts are not related to any transactions made by me, XXXX XXXX, the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request several credit inquiries that were unauthorized be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of 18 inquiries that I did not authorize. They are as follows : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8.  XXXX XXXX XX/XX/XXXX 9.XXXX XXXX ( 2 ) XX/XX/XXXX XX/XX/XXXX 10.XXXX XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX ( 5 ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 13.XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XX/XX/XXXX 16 XXXX XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Hello, I have had my Discover Secured credit card for about a year and a half and opened my account early 2020. I was told after 7 months of holding my account I would be upgraded to unsecured. I have reached out a few times and they say that they have no control and that the computer decides for them. In the time I have opened the account I have established a {$26000.00} car loan and have never missed a payment, have gotten a car lease and since payed and closed the account with zero missed payments, currently hold a {$400.00} loan with perfect payment history, a Military credit card with an {$1100.00} credit limit with zero missed payments since opening a year and a half ago, a XXXX XXXXXXXX unsecured card with perfect payment history, and an XXXX XXXX XXXX with a {$1500.00} credit line and perfect payment history. I have roughly {$4200.00} in credit between my five credit cards and have never missed a payment on any. In my 16 months of holding a Discover Card and always making my payments on time I feel it must be some type of error that I have not been unsecured at this point in time and Discover will not look further into my situation.
Product: Credit card or prepaid card

My husband purchased a gift card through Square for our children. Our children can not access the funds. We tried to contact Square to fix the problem but we can't reach any department.
Product: Credit reporting or other personal consumer reports

I learn in 2023 thru a denial on a mortgage that i had two inaccurate information on my credit report. XXXX from a bank called XXXX XXXX and the other Discover Card. I never own any of these accounts.. i dont know how they got on my credit report. Only XXXX XXXX is the only creditor i owe. From then and now I reported this to the police and sent copies to all three credit bureaus and the credit bureaus has yet to remove these fraudulent information on my credit file i request that they send me who open these account, what date account open, date account closed, amount of the accounts and any information in relation to these acount was never sent to me.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report, and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is regards to Chex Systems. Inc. There is a security freeze placed on my account because several years ago there was fraud against me. Well I forgot that freeze was there and I went to open a business checking account XX/XX/24. So I had to request a new pin in the mail. It never came. So I requested another one several weeks later. It still never came. I submitted a third request on XX/XX/24 and nothing. I finally called them on XX/XX/24 to see what was happening and again they said they would mail the pin as that is the only way to remove the freeze. Well I got a letter in the mail and its just a statement of account. There is no pin, no anything. All I want them to do is remove the freeze. This is insane.
Product: Credit reporting or other personal consumer reports

The information in the attached file is my most current personal information per FCRA and Metro 2 compliance reporting standards. If what you have on file for me doesn't match what's listed, there are problems with either your records or those who provide them for verification purposes. My profile must be accurate and thorough in order to comply with FCRA and Metro 2 compliance regulations. You must furnish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report.
Product: Mortgage

I was offered a modification by TD bank on my line of credit in XX/XX/XXXX. I signed the modification paperwork and sent it in to TD Bank and made the payment of {$560.00} as indicated on the XX/XX/XXXX modification document which was due XX/XX/XXXX. 

Subsequent to that payment, I received another modification document in XX/XX/XXXX. Apparently, TD had a made a mistake on the initial modification documents and had to send me a new set of modification documents. The new modification increased my monthly payment to {$610.00} ( a difference of {$55.00} ) and pushed the modification start date to XX/XX/XXXX. I signed the new modification paperwork and sent it in to TD Bank and made a payment of {$55.00} to make sure I made a full first month payment of {$610.00} to be applied to the account. I was told by that representative that they would apply the difference to my account for the first payment that was due on XX/XX/XXXX per the new modification agreement. 

I received a letter in the mail at the end of XX/XX/XXXX that my loan was late by more than 15 days as they did not receive my XX/XX/XXXX payment. I immediately called the loan servicing department and after 1 hour of phone calls with several transfers I was told that a request would go in to move the {$560.00} to my modification payment. 

On XX/XX/XXXX I received a phone call that my loan was now 31 days past due as TD did not receive my XX/XX/XXXX payment. I explained to the representative that is not true as I did make my XX/XX/XXXX payment. The representative researched the issue and said the " back office '' denied the request to move the {$560.00} payment from the first modification form and that the {$560.00} was applied toward back interest from XXXX. I was shocked and asked for an explanation. How could TD 's error become my problem. I signed all documents and made payments in good faith, yet TD will not comply with my request. This is clearly deceptive tactics as I made payments in good faith towards the modification and yet TD has taken the money and only applied it to back interest. 

I have called several times and can not get this issue resolved. I consulted with an attorney and they advised me to try to reach out to the CFPB first to see if it can resolved before taking this matter to court. I have lost several hours of time away from my job and family to deal with this and its just not fair. 

I have attached copies of the two different modifications that were provided by TD bank that I signed and made payments in good faith.
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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

Sent in letters to TransUnion regarding items on accts and they have not fixed my report.
Product: Debt collection

PLEASE SEE THE ATTACHMENT DOCUMENTS FOR THE FOLLOWING ACCOUNTS. DELETE ASAP, WITH 5 DAYS
Product: Credit card

Wells Fargo issued me a credit account instead of a loan account for a golf cart I purchased back in XXXX. I paid on time until XXXX of XXXX when problems occurred from complications from the hurricane in Florida. I was issued a hardship and I continued to pay as usual in XXXX, however there was a payment that was returned in XXXX and I addressed it before for my 30 day period before they reported and paid the payments asked in XXXX. I then called multiple times to make sure account was updated and open, I was told by XXXX representatives that the account was active and needed to wait till account updated. My next payment wasn't do until XX/XX/XXXX and when calling to make next payment I then was told my account went to collections. 

They closed my account do to XXXX payment that was paid within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted a dispute to experian in regards to a bankruptcy being inaccurately reported on my credit profile by experian. In their response they stated they verified the information to be accurated even after i submitted documentation that the name and address was different from mine. According to section 609 in the FCRA, all information in a credit file must be reported accurately, however experian has failed to do so and refuses to correct this issue.
Product: Checking or savings account

I called Chime because I plan to start using my account again and saw that I still havent received the Referral Bonus in the amount {$100.00} nor did my friend XXXX XXXX who referred me. 
I signed up with Chime allegedly on XX/XX/XXXX and I say allegedly because I cant even see my sign up date online which is odd but thats what Chime customer service is telling me. The requirement to get the Referral Bonus is you have to receive a deposit of {$200.00} or more by an employer no later than 45 days after signing up with Chime and I received a direct deposit on XX/XX/XXXX in the amount of {$250.00}. I received a couple deposits from employer XXXX before then but the amounts were less than {$200.00}. So I received the qualifying amount on XX/XX/XXXX but that was 14 days after the 45 day mark so I did not receive the {$100.00} bonus nor did my referring friend XXXX XXXX as I was at the mercy of my employer to pay me.
Product: Credit card or prepaid card

I have a discover card. Around XX/XX/20 my account was closed for no reason. I called, they said, I need to sign off authorization to get my taxes file for the last two years. Which I did right away on the same date. Is almost two months my credit card is still closed without any reasonable thought while my account is closed. Please while did they chose around corona virus to abuse me like this? When I needed the card the most they took it from me causing me a lot of emotional pain
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION / TOO MANY INQUIRIES NOT AUTHORIZED BY ME / CRA VIOLATION ACCOUNT NEVER LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I requested, under the Fair Credit and Reporting Act section 609, that Experian, XXXX, and XXXX verify incorrect, inaccurate, and inconsistent items I located on accounts reflected on my credit report. These have negatively impacted my ability to receive credit and have caused a high-level of embarrassment for myself and my family. I reached out to the three bureaus over 30 days ago and have yet to receive any feedback, correction, or verification on this matter. All three bureaus are reporting inconsistent and inaccurate information in relation to the XXXX XXXX XXXX XXXX and XXXX  accounts. At this point, I would like to have these items removed as they are incorrect, inaccurate, unverifiable, and the bureaus have violated their allotted 30-day compliance regulation. Experian then responded to my complaint requesting identification documentation that I had already submitted to them. I have sent more documentation as they requested but still would like the information DELETED due to their violations of the 30-day response or validate regulation set forth by the Fair Credit Reporting Act.
Product: Student loan

In XX/XX/XXXX after hearing about the Public Service Loan Forgiveness program, I spoke with XXXX XXXX ( which is now Navient ) and requested that my student loans be consolidated and set up in order to qualify for the Public Service Loan Forgiveness program. It took multiple calls to XXXX XXXX and was a very frustrating process, often the XXXX XXXX representative that I would speak with was confused about the program and did not know how to proceed. After multiple calls I was told that my loans had now been consolidated and would meet the criteria for PSLF as long as I made 10 years of qualifying payments. 

In XX/XX/XXXX, after making 10 years of payments I have attempted to qualify for the PSLF only to be told that XXXX XXXX never consolidated my loans appropriately to meet the terms of the program.
Product: Credit card or prepaid card

I have 2 credit cards with Citi, call them card1 and card2. I balance transferred {$250.00} off EACH card to my XXXX XXXX XXXX XXXX card. XXXX sent two {$250.00} payments, one to each Citi card. One of the payments went through correctly to card1, the other did not, to card2.

When I reached out to Citi, they took the payment that went through correctly to card1 and moved it to card2. I called them back to explain that this was an error, as the payment to card1 was not incorrect. There was another {$250.00} payment that was supposed to go to card2, but did not. The missing payment to card2 was the problem. They moved the payment back to card1, but then closed the issue, leaving me with a still missing {$250.00} payment. 

I called back and asked to speak to a manager, since they were having trouble understanding the issue. I was told I could not speak to this persons manager as they didn't have one. I was then hung up on. 

I would like my missing {$250.00} payment found and correctly applied to card2. I would like correctly applied {$250.00} on card1 left alone.