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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card

I WAS CONTACTED BY WELLS FARGO BANK ABOUT XXXX OR XXXX, I WAS GIVEN A CREDIT CARD WITH A {$9000.00} CREDIT LIMIT, THEY JUST GAVE IT TO ME I NEVER APPLIED BECAUSE I DID N'T THINK MY CREDIT SCORE AT THE TIME WOULD ALLOW ME TO HAVE THAT MUCH ON A CREDIT CARD LIMIT,. THEY JUST GAVE IT TO ME, AND NATURALLY THOUGHT IT WAS A GIFT FROM XXXX, I USED IT A COUPLE OF TIMES FOR CASH ADVANCEMENTS, AND TO PAY OFF SOME OTHER CREDIT CARD BALANCES, THEN ALL OF A SUDDEN THEY CONTACTED ME AND SAID DUE TO FURTHER RESEARCH THEY SLASH THE LIMIT FROM {$9000.00} BACK TO {$2500.00}?? THEIR WERE N'T ANY LATE PAYMENTS ON MY PART, THEY JUST CUT THE LIMIT BACK, THEY HAD ALREADY CHARGED ME FOR THE ACCOUNT, AND FEES CONNECTED WITH OPENING THE ACCOUNT AND CASH ADVANCEMENTS, IT DID N'T EVEN REGISTER WITH ME UNTIL I READ THE XXXX XXXX ON XXXX ABOUT WELLS FARGO GOING AFTER XXXX ( I AM XXXX YRS OLD )
Product: Credit card

Aadvantage Aviator Mastercard is the worst credit card. 
I will announce it on my next flight on XXXX XXXX. 
They push the card on every filght. 
They do not tell you that your APR will be 29.24 % and then it was raised without my knowledge to 29.99 %. 
Literally, stealing from people.
Product: Checking or savings account

I am a victim of identity theft and I have never applied for or opened a checking or savings account with Huntington Bank. I was XXXX from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, CITIBANK N A add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times between XX/XX/XXXX through XX/XX/XXXX regarding account information not being update accurately and timely. Equifax ALWAYS say they did n't get any updates from my creditor, however my creditors XXXX XXXX and XXXX XXXX  verified that they have sent over updates. On XX/XX/XXXX all 3 credit bureaus were notified to update and delete a collection item from XXXX XXXX XXXX {$1200.00}. After many calls and disputes it took Equifax untilXX/XX/XXXX to remove the collection. There was an issues regarding me being an unauthorized used on a credit card that was reporting to my credit. The creditor XXXX XXXX with a balance of {$630.00} sent over a request to remove the account from my report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I even filed a dispute on XX/XX/XXXX regarding it and it took Equifax until XX/XX/XXXX to update the report. Now I am dealing with issues from Equifax on updating my XXXX XXXX XXXX account that was sent an update onXX/XX/XXXXfor {$370.00} and Equifax said they never got the request from my creditor, however I spoke with the creditor XXXX XXXX and they send the request to update on XX/XX/XXXX. XXXX XXXX Credit Card also sent over a request to update on XX/XX/XXXXfor my Credit Card with a new balance of {$140.00} and Equifax is stating they do n't have it. XXXX XXXX reported an additional update on XX/XX/XXXX from their last update XX/XX/XXXX due to their error, however Equifax is refusing to update stating 1. It would have to wait until my normal update of XX/XX/XXXX and 2. They did get the request from XXXX XXXX Also after having the original two items deleted from my credit report ( XXXX XXXX and XXXX XXXX XXXX Equifax decrease my credit score although my overall utilization balance decreased as did my total collection balances. Equifax is the only Credit bureau that does n't update my credit information in a timely manner. In addition they alway use the excuse they did n't get the information. I do n't have these issues with XXXX or XXXX. They get the same reported information from Creditors ( XXXX XXXX, XXXX XXXX, And previous creditor XXXX XXXX ) as does Equifax. Equifax is difficult and most often blames all their issues regarding updating credit reports on their system or the creditors. Equifax does n't update the accounts in a timely manner cause consumers like myself to suffer. After 2 full months my credit score has n't moved although I 've have many significant changes to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has been misreporting this account for over a year and a half, substantially dropping my credit scores, inhibiting me from getting credit, and creating an unjust financial hardship on me, XXXX XXXX XXXX XXXX XXXX charged off balance : {$11000.00} 82 % settlement : {$9400.00} paid in 3 payments XXXX amount : {$2000.00} XX/XX/19 Settlement payment dates and amounts : XX/XX/19 paid {$1100.00} XX/XX/19 paid {$4000.00} XX/XX/19 paid {$4200.00} Total settlement paid {$9400.00} XXXX received XX/XX/19 for the forgiven amount as a results of the settlement agreement I have attached 4 images to corroborate this claim 1. Screenshot of how the XXXX XXXX charged-off account is misreporting a balance to all three of my credit bureaus. 

2. XXXX XXXX XXXX letters showing they collected on this debt 3. Proof of the three settlement payments made to collection agency as per our settlement agreement 4. XXXX received for the forgiven amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I've ask that the credit reporting agencies do a proper investigation verify any signature and everything relating to these acounts.I have rights under the fair credit reporting act that says inaccurate information shouldn't be on my credit report. Please do a proper investigation into this matter. And remove this incorrect information from credit report. 

XXXX paid/closed XXXX XXXX  acount charged off XXXX XXXX XXXX services account charged off XXXX XXXX XXXX total XXXX closed XXXX XXXX XXXX XXXX account charged off XXXX XXXX {$180.00} XXXX XXXX XXXX
Product: Debt collection

I WAS REVIEWING MY CREDIT REPORT AND WAS ALARMED BY THE FRAUDULENT ACCOUNTS AND INQUIRIES REPORTING. PLEASE SEE ATTCHED DOCS. 

PLEASE HAVE THE FOLLOWING ACCOUNTS DELETE ASAP -JPMCB-XXXX  -XXXX XXXX -XXXX  XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 card or prepaid card

I have tried to contact Capital One on multiple times to remove these derogatory remarks i recently have gone through financial hardship and have been late making a few payments.
Product: Vehicle loan or lease

I purchased a used truck in XX/XX/XXXX because my boyfriend at the time needed a co signer. A few months later when purchasing my home this vehicle loan was the one thing keeping me from getting my home. I asked if the loan could be transferred into my boyfriends name and I was told that he would need a co signer. Of course anyone would want to know how much is the loan for and when I began to ask for that information I was given the run around. I could only get XXXX XXXX to speak with me directly and he was someone who answered the phones. XXXX no longer works there. I was told he has since retired. 
I called them for entire month of XX/XX/XXXX and XX/XX/XXXX asking for this information and help. My realtor even got involved as it was very frustrating and we thought it XXXX be better to get someone else to help. In XX/XX/XXXX. I found someone who would agree to cosign with my now ex to get the truck in his name and Keystone said an additional $ XXXX would need to be put down. I kept asking for paperwork to show the amount we got the truck for, how much we paid down, and what the balance is and they ALWAYS gave me the run around, but never sent the information requested. I was told the information would be emailed to me, but I never got it. I spoke with a guy named XXXX XXXX about it and when I explained to him that in simple math what he was telling me did not add up right he told me " well that's the contract you signed. '' It was very disheartening and it is now XX/XX/XXXX and I have yet to receive the information requested. Someone told my realtor that I had a XXXX balance in my name and that is how I was able to move forward with my home, but now I see the truck is still in my name and that poses a problem for me. I have to get this truck out of my name, but I am not getting anywhere with this company.
Product: Debt collection

I received a FRAUD NOTICE on my credit monitoring service on XX/XX/2023 at XXXX. The name was Allied Collection Services/XXXX XXXX. I researched the businesses and found that XXXX XXXX is an Apartment building located here in XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. When I called the number to XXXX XXXX this morning on XX/XX/2023 at XXXX - I was told by the person who answered the phone, named XXXX XXXX that my legal name as it appears on my ID and credit reports did not come up in their system. Furthermore, after requesting my email address, XXXX then stated that she would not be able to provide me with an email confirmation that I did not appear in their system, and that I would need to provide proof that I did not live there. (?????? ) At this point, I contacted the FTC regarding this clearly fraudulent matter - as XXXX XXXX is asking for more personal information, which I did not provide. I have never been contacted via phone, mail, nor any electronic means by XXXX XXXXAllied Collections at any time prior to the posting of the alleged {$2900.00} debt. I have no other option than to report this IDENTITY THEFT by XXXX XXXX XXXX ( XXXX XXXX, NV ) and Allied Collection Services XXXX XXXX, NV ). I never applied for, signed ANY lease, nor resided at this location in any capacity in my life. 

I called on the same day XX/XX/2023 to ALLIED COLLECTION SERVICE and spoke with their agent XXXX XXXX, and he indicated that if I sent the dispute to them via email regarding the fraud they would have the item removed. As of today, the item has not been removed, and I have been the victim of financial loss because of their fraudulent and negligent collection on an account of which is NOT IN MY NAME. 

I have sent via XXXX Mail a full dispute to all named parties in the form along with the FTC Report outlining the fraudulent actions taken against me. 

If the CRA 's and, original creditor, or the Collection Agent ( data furnisher ), do not DELETE + BLOCK this item from appearing on my credit report, each party named will be liable for any damages I have experienced due this egregious violation of my FCRA and FDCPA rights. 

I will take all measures against these parties to ensure the full protection financial health and credit reputation. 

Thank you for your assistance in this matter. XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

So I paid off my charged card on XX/XX/2020. WHich left my card with a balance of XXXX. 

Well since my usage privileges has been suspended on the card, I haven't been able to use it. 

Still I logon today and see they have charged me purchase interest and past due fees on a card with a XXXX balance? That makes no sense to charge fees on a XXXX balance. 

I am unable to use my card due to Capital One charging me {$8.00} in fees. Then I was told by XXXX to pay the {$8.00} then I could use my card.
Product: Credit reporting or other personal consumer reports

I have inaccurate report of XXXX  XXXX on my report I have tried to fix it and its on all 3 credit bureau I have screen shots and its affecting my credit.
Product: Money transfer, virtual currency, or money service

Can not contact a live agent to report money stolen
Product: Credit reporting or other personal consumer reports

I have noticed unauthorized items on my report.. 
Name of XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Current balance- {$8500.00} Name of XXXX XXXX XXXX XXXX Open date-may XXXX XXXX XXXX XXXX balance- {$7600.00} Name of XXXX Al XXXX XXXX XXXX, XXXX Current balance- {$2000.00}
Product: Payday loan, title loan, or personal loan

company debited my account when i asked them to stop and because they already received payment for that month.
Product: Credit card or prepaid card

I have been awaiting my credit of {$220.00} since XXXX of last year when I was instructed by the XXXX customer service department to return all my unworn items by the day of XXXX XXXX, XXXX. I returned the items well before the due date and before the XXXX, XXXX filed for chapter XXXX bankruptcy and closed its doors to all customers. Since the very beginning of this year, I have been in a constant battle with Comenity Bank, which is the bank affiliated with The XXXX and have never received my credit but was required to pay for my entire XXXX Credit card in full! including the items that I no longer possed and requested to ship back in late XXXX when I realized the clothing did not fit. I am furious with this company and have been told that because they are now opening as the XXXX XXXX, the XXXX XXXX  and any issues or disputes concerning them or my account will not and can not be resolved. I think it is utterly ridiculous for the company to expect anyone to pay for something they do not own especially when I was told repeatedly that I would eventually see the credit on my statement after returning the items. This dispute has been going on nearly a year now, I have placed hundreds of phone calls and sent countless emails without any resolutions.
Product: Checking or savings account

I opened the account on XX/XX/year> with Citibank at the XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX location. I was advised to fund the account with XXXX. I made 3 transactions on the first and second day of having the account and then a security alert was issued in my account stating the XXXX was suspicious. Ive called multiple times and have been to the branch multiple times to verify my identity and transactions however I have been told the only option is to receive a mailing that will have information needed to lift the alert. They claim to have mailed out the documents on two seperate occasions yet I have not received these alleged letters. I have received bank statements so I know the address is correct. They have locked my access to see my banking on the app and website. I visited the branch to verify my identity and the transaction bringing my social security card, license, and birth certificate and they told me they are unable to help. This bank is holding my money and not allowing me access and is also not allowing me to close the accounts. Please help. Its been over 5 weeks with no resolution.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX Balance : {$15.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

I am writing to formally complain about the delays and lack of resolution regarding my approved XXXX XXXX to Repayment application connected to XXXX XXXX the XXXX XXXX XXXX XXXX. 

XXXX XXXXBackgroundXXXX XXXX  I originally applied for student loan forgiveness through the XXXX XXXX XXXX XXXX XXXX due to the closure of my school and an unfortunate violent incident involving a fellow student. For years, I did not receive a formal review or response from the XXXX XXXX department. 

XXXX. **Settlement Notification** : On XX/XX/XXXX, I received an email from the U.S. Department of Education indicating that my XXXX XXXX XXXXXXXX XXXX Application # : XXXX ) had been approved under the Sweet v. Cardona lawsuit settlement. This email stated that federal loans I took out for attending XXXX XXXX the XXXX XXXX XXXX XXXX on or after XX/XX/XXXX, would be discharged, and that I would be refunded any payments made over the past six years. 

XXXX XXXX*Lack of ActionXXXX  : Despite this notification, I have not received any further communication or action regarding the discharge of my loans or refund of payments. My loan servicer, XXXX, has not provided updates, and my efforts to reach out to them and the Department of Education through emails, letters, and calls have been unsuccessful. 

XXXX XXXXMy ActionsXXXX XXXX Since receiving the notification, I have checked my online account with XXXX to ensure my contact information is correct to facilitate potential refunds. Additionally, I have repeatedly contacted the borrowers defense hotline and reached out to XXXX for answers but have received no satisfactory response or resolution. 

XXXX XXXXUnresolved ConcernsXXXX XXXX I am currently in uncertain financial standing due to the loans and need timely resolution of these issues. The ongoing delays have prevented me from achieving closure on this financially and emotionally challenging chapter of my life. 

I am seeking immediate action to discharge my student loans per the settlement agreement and process the refund of payments made. I would appreciate any guidance or a timeline for these actions to be completed. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

AARGON AGENCY INC # XXXX has listed a collections request on my credit report and I do not owe the amount listed. This is severely affecting my ability to obtain a mortgage. 

I have contacted both Aargon as the collections agency as well as the original landlord XXXX XXXX XXXX to dispute these charges several times. 

I do not owe what they say I owe and I would like this collection removed from my report. This is fraud. 

According to my lease the maximum I could owe if I did not provide notice, which I did in fact do, would be one months rent. My lease was for XXXX $ a month and they are claiming that I owe XXXX XXXX 

I was advised by XXXX  to file a complaint with the CFPB. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Navy Federal on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about my statement cycle posting to the credit bureaus before the cycle ended. Navy Federal informed me that they had a posting error for a subset of Customers in early XXXX that caused them to post incorrect info to the credit bureaus by reporting that they had late payments on their accounts. To fix this issue they re-reported to the bureaus to correct the mistake. However, they included my account in that batch of customers even though I was not impacted in the initial error. This caused Navy Federal to send an update to the credit bureaus for my account on XX/XX/XXXX in mid cycle which was in error because they erroneously included me in the batch of customers who were impacted by the initial late payment error. ( My cycle actually ends on XXXX ) This negatively impacted my and all authorized users on my account credit. Navy Federal admitted that they posted my cycle outside the contractual agreement we have however have yet to correct the error with the credit bureaus. Due to this error I did not have the opportunity to make payments in a timely fashion and was not provided the amount of time in my cycle to make my payment before they made a report to the credit bureaus. The negative impact to my credit report has impacted the interest rate I qualify for on my FHA loan for my home that I am building, costing me thousands of dollars over the life of the loan. Navy Federal also is discriminating against me because they admitted that they are trying to resolve the issue for the first group of impacted customers however refused to address the errors related to my account. So they are unwilling to have fair and just treatment with all customers. If Navy Federal would have reported on my cycle end date then I would have had a XXXX balance and this would not have negatively impacted my credit utilization.
Product: Credit card or prepaid card

On XX/XX/21, Purchased a XXXX XXXX gift card for {$200.00}. On the receipt it says activation successful but went to go use the card and it would not work. Called the 800 # which is Vanilla Visa and they said the card was not activated. So I went back to XXXX and they said they can't do anything call Visa back. So I did. I provided copies of the card, receipt, and ID. They came back and said the receipt said misc even though all the numbers from the gift card are on it... they wanted a receipt that said Visa on it. XXXX  went to their receipts and said they do not have a more detailed receipt. They said they emailed Visa. That's was 5 days ago. I am tired of going back and forth and want my {$200.00}. I have done nothing wrong but yet paying the price. 

XXXX  ref # XXXX Vanilla Visa ref # XXXX
Product: Debt collection

National Credit Adjusters sent a letter to me in the mail stating that I owe a debt. I therefore sent a letter to National Credit Adjusters for specific information to validate the debt that they claimed that I owed. I sent the letter over 30 days ago and they have not responded to my request and they are also doing harm to my character by reporting unsubstantiated derogatory information on my consumer reports.
Product: Prepaid card

Unable to use Conduent 's Way2Go card to access my unemployment benefits. Each time I try, I am charged a fee for a transaction that never completes. 

I have tried numberous ACH transfers to my XXXX account ; and several ATM withdrawal attempts. All have been unsuccessful. When I eventually was able to contact their customer service department ( by using all XXXX as my social security number ), I was told to send certain verification information to XXXX and that I should receive a response in 2-4 days. 

No response, of course.