23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Loan servicer - Navient My loan will go into repayment on XX/XX/XXXX. I have been trying for the past two months ( starting in XX/XX/XXXX ) to get information about setting up Autopay. The four times I have called at different time points in the past two months has yielded different information each time. No one in customer service was able to tell me when I could start setting up Autopay, the timeline given for processing autopay was incorrect. I was also having difficulty setting up autopay as I kept getting kicked out of the website altogether. The customer service representative was unable to direct me to the correct person and I was told twice ( 3 weeks apart ) that I should just try once my deferment was over even though it was a technical issue. 

My Autopay is still in process and it is still not clear exactly what the rules are on being able to set it up. The burden on making sure the issues ( technical ) is on the customer.

The paper format to setup Autopay can take up to 60 days which would mean the customer would miss out on the discount at the beginning through no fault of their own. This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX and the Equifax brought the dawn my credit score 105 and they don't want to remove one hard inquiry that they are reporting! It's really shameful that they are destroying my opportunity for purchasing a car or home and getting a loan. 
I believe they must to remove the wrong information from my credit history now and bring my score back ASAP
Product: Checking or savings account

I received a text message about possible fraudulent charges on my Credit Karma Spend account. I responded to the text that I didnt authorize any charges I immediately received an email saying the virtual card for the account was XXXX and confirmed it when I logged into the app. At that time there was still a little over XXXX $ in the account and I tried to use the chat option but was told disputed could not be handled by chat. I called the customer service number and waited for an agent 4 times, only to be hung up on almost immediately after reaching an agent. By this time even after the virtual card had been locked it was still allowed to make several transactions causing my balance to go to XXXX. Another attempt to reach help was made and I was able to reach an agent that disputed the charges and then claimed that I would receive a provisional credit on the tenth day. Its day 12 and I have not been given the credit. I did receive an email that stated my disputes were denied because I authorized the charges, WHICH I DID NOT!! My federal return is to be posted to this account on the XXXX and out of fear that this person will steal potentially thousands of dollars Ive had to constantly monitor the account. I have received emails every day since reporting this that an automated deposit from my local bank account has been initiated and Im not initiating them. So the person is trying to not only spend money from the account but potentially pull money from other accounts to steal as well. I changed all of my email, passwords and made sure no incorrect information is in the account so I have no clue how this person is being allowed to charge or create these deposits?????!!! The transactions being made are as if someone has used the virtual card on their XXXX to add money to their account because it says XXXX XXXX XXXX . Which is not my name or my XXXX. I immediately began researching and found users on other website who have reported this exact issue even down to same XXXX  name on the charges who have lost hundreds and thousands of dollars and fought tooth and nail everyday trying to get their money returned. I want my money returned and I want to get it out of the account along with my federal refund that should be deposited on the XXXX and then I want to disconnect my connected account and close this entire account with Credit Karma because I will never be put in this situation again!!! Its impossible to get adequate customer service or resolution.
Product: Bank account or service

My wife received a statement last week from Bank of America for a Core Checking account that she never opened. It was addressed to her parents which was her old address, so luckily it got fwd 'd onto our new address. It was also in her maiden name, which is another sign of fraud. We called Bank of America 's fraud department, waited for a rep for 80 minutes, explained the situation, he confirmed our identity, looked up the new account, then we asked how this ever got opened since we never did this, and also asked if this was an account setup by a Bank of America employee to get a bonus, then he put us on a hold and then hung up on us. We are fairly certain this has been unresolved, and that Bank of America opened this account without my wife 's permission. I looked up the details of the Bank of America Core Checking account and see there is a fee associated with the checking account that we never opened. Bank of America does not have a branch or ATM in the state we live in, which is another red flag.
Product: Checking or savings account

I want to connect my virtual wallet account to XXXX, a stock trading app
Product: Mortgage

A few weeks back I was in a harsh car accident which caused me to have to reschedule my mortgage payment. I scheduled a payment for XX/XX/2023. A few days before the XXXX, I called SLS and canceled that payment. On that same call, Specialized Loan Services set me up a new arrangement for XX/XX/XXXX. A few days later SLS called me and said they canceled my XXXX payment, and told me I could no longer use my checking account. Stating because my payment for XX/XX/XXXX did not go through. I asked why were they trying to process the canceled payment knowing it wasnt going to go through?? The company already had reset a new one on the same call. The agent then verbally bullied me, attempted her fear tactics, and then took away my checking rights.This company has consistently made attempts to create difficulties on my account. All in order to activate foreclosure. I had already reported specialized loan services to FHA almost XXXX months prior to this incident, for unfair and unethical practices on my account. My lender SLS, has yet to respond to my complaint. Even though FHA has required them to contact me. Ive made several complaints about Specialized Loan Services and how extremely dishonest they are. In return SLS simply fabricates a response. There are hundreds of complaints against them, but somehow they are still allowed to practice. When I have a complaint towards them, I am threatened with foreclosure. My principal has been inaccurate for many years, I have consistently & constantly made them aware of the inaccuracies. I am then told to pay on the inaccurate amount, or I will be foreclosed on. No attempts will be made to correct my principal. My mortgage statements are entirely wrong. I dont know what to do because this company only shows aggressive signs towards foreclosure. Please assist.
Product: Credit card or prepaid card

on XX/XX/2020 I made my payment to Besy Buy Visa in full for {$38.00}. They didi not credit my account until XX/XX/2020 and charged me a {$30.00} late fee. I disputed and was told they credited the payment on XX/XX/2020 with no explanation as to why the payment was credited late and charged me another {$30.00} because I did not pay the late fee and disputed it again.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with XXXX XXXX. The account was not opened however the application yielded a fraudulent related inquiry on his XXXX credit report XX/XX/XXXX. An official dispute of this inquiry was sent to XXXX XXXX XX/XX/XXXX via their fraud department fax number however as of this date they have failed to remove the fraudulent information from the credit report, which is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I noticed I had a fraudulent account on my credit report. Please remove this fraudulent account from my credit report, this fraudulent account is hurting my ability to obtain credit and buy a home.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Ref : XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 card

I opened a secured credit card account with Capital One with a balance of XXXX. While the account was opened I made all of my payments on time. I had to move so I closed my card XXXX 2011 with a XXXX balance. 
I checked my credit and they reported on my credit report that in XXXX, XXXX, and XXXX of 2011 I was late on making payments after the account was closed. I have called this company several times and they stated the card was used after the account was closed. which makes no sense. Please help
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent accounts and hard inquiries appearing on my credit report and request that they be blocked and removed immediately under my rights outlined in 15 U.S.C. 1681c-2 ( a ). My personal information was compromised in a recent data breach, and the listed accounts and inquiries were fraudulently opened or initiated without my authorization. 

Below are the details of the fraudulent entries : Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I had fraud alert on my credit file with Experian back in XX/XX/2016 regarding excessive inquires on my credit file, I am showing that there are over XXXX inquiries that I have not authorized, I am sure why or who are doing these inquiries but If my file was documented with fraud alert how they can still allow hard inquiries to be added to my credit file with out verifying personal information. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I filed complaint # XXXX on XX/XX/2023 in response to retaliation I faced as soon as I filed complaint # XXXX with the CFPB on XX/XX/2023. The initial concern was about inaccuracies I found on my credit report. Equifax has continued to not investigate nor protect my private information. Equifax has still not provided any document from me nor verified from me that any account was accurate though I am in possession of the original contract. Equifax has admittingly caused me harm and instead of ceasing all inappropriate behavior Equifax has decided to continue this harassment despite the account being paid in full and despite documents to substantiate my claim are in the company 's possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are errors reporting on my credit report that need to be updated.
Product: Debt collection

In accordance with the law the fair credit reporting act, the list or accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX, account # XXXX Under 15 U.S.C 1681, section 602 A states, I have the right to privacy.

Under 15 U.S.C. 1681, section 602 A, section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C.1681 c ( a ) ( 5 ), states no consumer reporting agency may make any report containing any of the following items of information, any other adverse items of information, other then records of convictions of crimes which antedats the reports by more then seven years.

Under 15 U.S.C. 1681-2 ( A ) ( 1 ), a persons hall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have contacted Shellpoinys attorney XXXX XXXX several times about them contacting me and using a 3rd party to do home inspections. XXXX XXXX even sent Shellpoint a letter telling to never contact me again no matter what. Due to Ditech bankruptcy and the illegal sale if my loan during the bankruptcy process to Shellpoint a debt collector not a mortgage company even says so in the recording when you call them. This is credito harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX XXXX XXXX ( Account # XXXX ) are violating my rights to privacy under 15 U.S.C. 1681 section 602A. 

Equifax is allowing XXXX XXXX XXXX to furnish Account # XXXX to my credit report without my written permission. I have never heard of XXXX XXXX XXXX or signed a contract that granted them permission to furnish an account to my credit report. 

I contacted the company listed as the original creditor, XXXX XXXX, and have not gotten any response from the company about the alleged debt despite calling several times. I also sent a follow up email that did not get a response. ( please see attachment # 1 ) When I disputed the account and asked Equifax to conduct a full investigation ( attachment 2 ), they stated that it was properly investigated. However, when I requested the method used to verify the debt ( please see attachment # 3 ), they did not respond. I was not provided the business name, address or phone number of any furnisher that was contacted for the debt they reported as verified. 

Under FCRA 611 ( a ) ( 6 ) ( B ( iii ), a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

Equifax and XXXX XXXX XXXX are using Account # XXXX to not only violate my rights but to bring hardship on me and my family during a national emergency. Please end this abuse by removing this account from my credit report immediately.
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. 

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 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 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 or 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 card or prepaid card

American Express closed my account when it shouldnt have been closed because this card was a consumer credit transaction and credit was extended to me through the use of my social security number ( which is a credit card pursuant to 15 usc 1602i ).

American Express has also violated several laws by using their name and logo on mail that they have sent me ( 15 usc 1692b ( 5 ) ), collecting cash as payment in a consumer credit transaction on an account that I disputed and has not returned the money back to me ( 15 usc 1692h ), threatening to report my account to the credit reporting agencies for non payment of cash ( 15 usc 1692d ( 1 ) ), claiming that I owe them money but sending a bill with a positive balance ( 15 usc 1692e ( 2 ) ( A ) ) .. If I owe them the balance shouldnt be positive and since this is a consumer credit transaction in where my social was used to extend credit to me, the transaction was already paid for.
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. 

I C SYSTEM INC  ACCT : XXXX DATE OPEN : XX/XX/year> BALANCE : 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A. section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX thruXX/XX/XXXX have been trying to get report or company with no results this is for Experian. I am very consen because of the breach of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX VIOLATIONS : CFPB Orders XXXX XXXX to Pay {$85.00} XXXX Refund to Consumers Harmed by Illegal Credit Card Practices XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC XXXX XXXX : XXXX XXXX and XXXX XXXX, toxic securities abuses, XXXX, XXXX, {>= $1,000,000} ... XXXX XXXX consumer protection violation, XXXX, FTC, {>= $1,000,000}. 
XXXX XXXX XXXX : The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
XXXX XXXX : The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.SXXXX Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies XXXX XXXX The FDIC says the XXXX  units violated the Federal Trade Commission Act by falsely : ... Cardholders may be due a refund for more than one violation. The FDIC will ... XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX. 
XXXX XXXX The Federal Trade Commission penalized four firms over false textile claims. ... settle charges that they violated the Textile Products Identification Act and the FTC 's ... For example, the FTC said XXXX XXXX allegedly used the terms XXXX XXXX : XXXX XXXX XXXX will pay {$360000.00} ; XXXX XXXX XXXX XXXX XXXX will pay {$290000.00} ; and XXXX XXXX will pay {$150000.00} for allegedly violating the FTC Act and the agency 's Textile Rules. 
TARGET : We received your submissions on behalfofXXXX XXXX ( " Target '' consumer deception XXXX XXXX XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine.