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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

From XXXX a total of {$1500.00} was taken from my account without my knowledge or permission, I filed a claim with Wells Fargo but my claim was denied for insufficient reasons. I've received mail saying my claim is closed.
Product: Checking or savings account

The issue is that my XXXX checking account was transferred to Citizens bank and I lost access to my funds. Details : I opened my XXXX acct in XX/XX/XXXX, with my address in XXXX XXXX, because I was moving to the US in XX/XX/XXXX and wanted to have an account for my expenses while moving. My XXXX checking account was active at least on XX/XX/XXXX, since I received a statement in this period. On XX/XX/XXXX, I logged into my XXXX account and it was closed/terminated to my surprise. 

My account was " transferred '' to a new bank, Citizens, without my acknowledge nor permission. I did not receive any phone call or letter about this. In this new bank, Citizens, there is no customer support available - I tried to call them for XXXX days in a row, XXXX hours each day. Citizens bank has my funds from XXXX but is not letting me withdraw the funds, which I need for daily expenses. Citizens did not send me any letter, any debit card, and without the debit card I can't access my funds. 

I need to have either access to my Citizens banks, with all the features I had in XXXX ( available to make transfers, use debit card ) or restore my XXXX account. XXXX claims that the account is no longer with them, so they can't do anything. Citizens claims that without a debit card, I can't do anything, but I did not receive XXXX, and will not receive XXXX, because my XXXX address was in XXXX XXXX and Citizens doesn't provide services there. In a nutshell, I lost access to all my funds.
Product: Credit card

Over the past two months, I have been charged a Credit Life Insurance ( XXXX ) fee on my Macy 's American Express credit card. I did not authorize or enroll in this product. It appears Department Stores National Bank ( card issuer ) may be enrolling cardholders without their knowledge or consent. On XXXX XXXX, I contacted XXXX @ ( XXXX ) XXXX to request a copy of the sign enrollment form and to cancel this policy.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX CARD Account number : XXXX
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove the accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ran credit report and found account opened in my name that I did not open, {$66.00} on credit card and limit is {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My family needed to move quickly due to a landlord having no rental license and black mold respitory illness set in as well as gasses coming in house from broke sewage line. I was denied a home everywhere! I find tons of Names, SSN 's, Addresses in states and city 's I 've never heard of, and 176 collection items total dropping my score over 200 pts. I 've sent Equifax, XXXX, XXXX all my Identity documents and more and stated federal FCRA about mixed files. Also XXXX has a company named XXXX who has a Ton of these medical, cell phone, collections. They deleted 7 but left 20 more in XX/XX/XXXX. I should n't have inquiries but do, never had XXXX. XXXX but collections show. My positive history accounts are almost none existent. I need help. This happens after XX/XX/XXXX because in XX/XX/XXXX my Credit was fine. Please help. We need a new car and even buy here pay here 's wo n't lend with a big down payment. They say I need proof of this. I 've shown the names and all that stuff they said it does n't prove ID theft. Never heard of file mixing they said. The amount of medical collections alone you would think I were XXXX XXXX. I 'm very healthy and a XXXX at a XXXX my wife works for XXXX and XXXX here in KS. And similar has happened as well. PLEASE HELP clear my reports. And make them remove all of it or please guide me into suit. XXXX bless
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXXXXXX Account # XXXX
Product: Vehicle loan or lease

I received a letter in regards to a consumer auto transaction dating back to XX/XX/2021. In the letter it states what was in the retail installment sale contract and how much the remaining balance was of the open charged off account. Many of my consumer rights are being violated in this contract and the information is completely wrong. This debt is completely alleged ; the name of the person on the contract is not mine. My first name is XXXX, not XXXX and the address is not where I live. According to 15 USC 1692e ( 2 ), a debt collector may not use false or misleading representation to collect a debt. Chrysler Capital are trying to collect on a debt that is not mine. This is identity theft and identity theft is also a violation of my consumer rights. The finance charge in a contract is the sum of all charges, pursuant to 15 USC 1605 so how could someone owe anything if the credit extended was theirs? As long as the contract was signed the credit was extended. As a signer or co-signer, the person who extends credit is the original creditor. The original creditor is the natural person. Chrysler Capital is using chicanery to collect on an account by all means. I would like this situation to be handled immediately because my livelihood is being destroyed.
Product: Student loan

I tried to explained that the account isnt mine and the report fell off my credit between XXXX to XXXX. I want to know why is the information reappearing on my credit report.
Product: Credit reporting or other personal consumer reports

I disputed 3 different hard inquiries with Transunion last month, and Transunion 's solution to the problem was to place a fraud alert on my credit report as oppose to just removing the inquiries. This fraud alert makes it harder for creditors to access my credit report for which has been working against my quest to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, XXXX/XXXX, and REPUBLIC FINANCE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, and REPUBLIC FINANCE with no successful resolution. There was definitely an error on their part.
Product: Credit card

CitiCards ( CitiBank ) made changes to my login without any information or warning. And is not providing any response to inquiries. 

Now I can NOT access and can NOT use my rewards balance of over XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act Capital One Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Product: Debt collection

They want to charge two people for same amount and its not the right amount because they are overcharged us. We had never been served. We dont own that amount of money. {$4800.00} total {$9000.00} on XX/XX/2016. XXXXXXXX XXXX is taking care of it. The company name is XXXX at the links but the collection company now is Fair Collection outstanding company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX admitted and informed me that acct XXXX delinquent account no longer exist in their records. 

XXXX XXXX has followed the law and removed this XXXX XXXX delinquent account off my credit report However, Equifax and XXXX still continue to report this account on my credit report as accurate when in fact it should be removed. 

Document attached shows that XXXX XXXX does not have this XXXX XXXX delinquent account on my credit report because they removed it.
Product: Credit reporting or other personal consumer reports

Opt Out Notice Per the Fair Credit Reporting Act, as a federally protected consumer I, XXXX XXXX, am now opting out of any and all authorization I, the consumer may have given you written, unwritten, verbal, and non verbal per 15 USC 6802.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX XXXX never disclosed to me that I have the right to opt out of nonpublic personal information. 

A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX : Account # XXXX, has violated my rights. This company continues to report consecutive late payments to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and TRANS UNION, LLC from XXXX of XXXX. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), 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 ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - I never gave these written instructions. & also. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report. 




Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following accounts by mail and online with each of the bureaus. Still, none of these bureaus are reporting the disputed accounts accurately. Furthermore, addresses that do no belong to me are reflected on my reports and must be removed. 

XXXX XXXX XXXX XXXX This account was paid in full, yet XXXX is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau XXXX  says XX/XX/XXXX, Equifax says XX/XX/XXXX XXXX says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX XXXX XXXX This account was paid in full, yet XXXX is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau XXXX says XX/XX/XXXX, Equifax says XX/XX/XXXX and XXXX says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX monthly payment amount, term, payment status and date last active are contradictory and inaccurate. How can each bureau be reporting completely variable information if they claim the information was verified? 

XXXX XXXX account status, monthly payment, terms, payment status, comments and date last active are completely different from each other, again, inaccurate and misleading. 

According to Fair credit reporting act, the reports should be 100 % accurate and if not, the inaccurate information must be removed. I have attempted to resolve these issues with each bureau who FAILED to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to verification on everything on my credit report. 
They replied back stating that every thing was accurate. 
I did research myself and fought improper inaccuracies on my reports. 

1.XXXX  : XXXX Account type is incorrect. 

2. XXXX XXXX XXXX : XXXX Number of late payments reported is incorrect, Update to never late. 

3. XXXX : XXXX I was never 30 days late on this account, Please update to paid /never late. 

4. XXXX XXXX XXXX XXXX The account balance is incorrect. 
5. XXXX XXXX XXXX : XXXX The payment status is incorrect /High balance is in correct. 


6. XXXX : XXXX The first date of delinquency is incorrect 7. XXXX : XXXX I was never late during the months shown, Please update to never late. 
8.XXXX XXXX XXXX  XXXX Account is OPEN 9. XXXX XXXX : XXXX THIS Account was paid in full BY XXXX a letter was furnished from the company to the three bureaus. 
In accordance with the Fair Credit Reporting Act 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 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Account sold to XXXX ) states on my credit report that this account has been XXXX XXXX. I never received a 1099-C. Being that the they already filed my account as a XXXX XXXX on their taxes, and I have never received a 1099-C, this company is committing fraud. I kindly request that the CFPB investigate Continental Finance and take appropriate action to address this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Product: Credit card or prepaid card

I have been attempting to contact Discover about a reoccurring XXXX charge. I work daily so I attempt to use their suggested online chat function. 

I contacted XXXX earlier this year and they confirmed my account with them is cancelled with no billing on it, but I still am receiving charges. They advised me to contact discover for help. 

I first contacted them in XXXX through the chat. Not only is their chat function poor and continually passes you around to different associates, who all proceed to ask have you tried to contact them? When did this happen? 

Literally for months, I let them know it isnt resolved and still need help. They then ask the same questions I have answered and then the chat drops, looks like it was resolved! Do you want to talk to another associate? 

I keep telling them it isnt and today I told them I need to do this otherwise i need to cancel my card. They proceeded to ask if I contacted XXXX this is XXXX months of fraudulent billing and they refuse to assist whatsoever
Product: Bank account or service

On XX/XX/XXXX, I saw {$760.00} was taken out of my account via XXXX. I did not authorize this nor was I aware of this. The XXXX transaction was made on XX/XX/XXXX and was paid to a person saved on my XXXX contact list ( XXXX XXXX ). I then immediately checked the emails attached to the XXXX and it did not match with my contacts list. I have XXXXXXXXXXXX as her email, but the fraudulent XXXX went to XXXXXXXXXXXX. I then called XXXX XXXX and she verified she did not receive any money nor does she recognize the hotmail email address. I then went to a Chase bank and told them of this fraudulent activity. We then immediately closed and reopened my checking account and reissued all my credit cards. I was also told there was a login on my account in Michigan, and since I live in XXXX and have never been to Michigan, I was assured I would be reimbursed. After this, I field a police report at my local police, called XXXX to put fraud alerts on, filed a report with FTC for identity theft, and now filing a report on Chase with CFPB. On XX/XX/XXXX, I received a claim denial from Chase. I visited a Chase branch and called them again, and they refused to provide me with documentation as to why my claim was denied. They also called me a liar and told me they truly believed it was me that sent the XXXX. I told them it was definitely unauthorized, as they can see the emails did not match as well as the fraudulent email was part of XXXX which I have no idea what it is, but I asked XXXX XXXX if she was part of it and she did not know what it was either. 
I have made XXXX payments to XXXX XXXX in the past, and I told them to cross-reference the emails and they can see it does not match. I even told them they could call XXXX and verify everything I said, but they still stated I was lying. I gave them my police report but did not look at it and told me there was nothing they could do.
Product: Student loan

Navient has consistently misallocated my student loan payments. After causing this issue themselves they begin harassing me with at least 3-4 phone calls a day in order to collect payment on loans that have been paid and should be current. When I call them to resolve the issues their representatives never fail to prove themselves incompetent in handling affairs they should have a great deal of specific training for and experience in, either making the issue worse by misallocating even more money or simply not understanding how to deal with the problem in the first place. One thing you can be sure of is that something that should have been taken care of in one call will need atleast a 2nd and 3rd call to get close to being resolved. 
In my most recent interaction I called about a delinquent loan. I spoke to 2 different representatives who were right next to each other at the time of the call. I mentioned that my payments were not being applied correctly and the first representative 's solution was to move a payment amount FROM the delinquent loan TO a current loan in order to fix the delinquent loan. I pointed out the obvious, saying this made absolutely no sense multiple times and questioned both representatives as to how this would actually fix anything. They could not give me a specific answer but reassured me that the problem would indeed be corrected. Here I am 3 days later, the delinquent loan is now even further past due and states that instead of owing less than XXXX dollars on it I now owe almost XXXX dollars towards the loan. I now have to waste the time calling back to deal with another representative who I have no confidence will have any idea how to handle the situation and correct the errors as per my usual experience in my 10 years of repaying these loans with XXXX and now Navient and deal with the XXXX of these XXXX which is exacerbating symptoms of my XXXX during a time when I am not even able to work because of it.
Product: Credit reporting or other personal consumer reports

I AM UNABLE TO REVIEW MY CREDIT REPORT. IT HAS BEEN MONTHS THAT NOR I OR ANY OTHER XXXX PARTY CAN REVIEW MY CREDIT REPORT. I HAVE SENT OVER SOCIAL, BIRTHDATE, ADDRESS VERIFICATION MULTIPLE TIMES FOR THIS COMPANTLIANCE REQUEST. THIS IS ILLEGAL AND I HAVE THE RIGHT TO PULL MY OWN CREDIT REPORT. THIS NEEDS TO BE FIXED NOW!!
Product: Debt collection

I was never informed about this debt. I am not sure what this is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items 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 removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX