23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not explain to me why my FICO credit score dropped. Their customer service representative, when called on X/XX/17, said they were unable to determine why my FICO credit score declined within the past 6 months because I did n't have an account with Experian. 

If Experian is going to determine the FICO credit score, which directly affects my ability to open new lines of credit, I would at least like to know the factors that go into determining that score.
Product: Payday loan, title loan, or personal loan

Loan # XXXX On XX/XX/XXXX I borrowed {$570.00} from online lender Loan at Last. 
The lender charged me 19 bi-weekly payments or {$150.00} and 1 final payment of {$150.00} withdrawn from my checking account from XX/XX/XXXX to XX/XX/XXXX. 

Total payments = {$3100.00} on a loan of {$570.00} The interest rate charged is 795.87 % Total interest = {$2500.00} for a {$570.00} loan. 

These charges are far more than any other legitimate lender would be allowed to charge in any state in the United States. 

I believe these lenders should be prohibited from lending in all states including NJ. 

They did not disclose to me while making this loan that they were a tribal lender and believe they are not subject to fair banking laws,
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 168b permissible purposes of consumer reports. 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. 

Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX ccount Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX ccount Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2023, I have had several accounts compromised. Attempts to apply for loans or credit cards have been made without my consent. I have not done any such activity for a long time. I have also received several e-mails, starting on XX/XX/2023, stating I requested to reset my password or my password has been changed. I have been rigorously been changing passwords for all these sites. I have also had to shutdown the credit card I regularly use, three times this year, due to fraudulent charges. I suspect identity theft has taken place and I need corrective action taken immediately.
Product: Vehicle loan or lease

Leased a car in XXXX  been paying my car note for XXXX and I have a full payment history of payments and my account is still not going nowhere and I needed to know how to receive my money back for XXXX  XXXX
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> 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: Prepaid card

Such a headache! I received a {$230.00} Vanilla Visa Gift Card and it was defective. Contacted company and they sent a new one after a few weeks. I made XXXX or XXXX minimal purchases before it was declined for my next purchase. I contacted the company and they said the missing funds would be reloaded within a few days. Nothing happened so I contacted them and told them the story. They said to file a dispute on their website which I did. After hearing nothing for a few weeks I called them and then they said i needed to send pics of card and store receipt where purchased in which I did. Now Im getting the runaround with any resolution. Im out around {$210.00} at least now.
Product: Debt collection

XXXX XXXX is trying to collect on an account that does not exist. It has been confirmed by XXXX XXXX that I am not responsible for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, account # XXXX, opened XX/XX/XXXX Account name : XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX  XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX  XXXX XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX, account # XXXX, opened XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 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 for more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer relating agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX the vehicle was involved in a horrible accident and was a total loss. I contacted the lender to inform them on XX/XX/XXXX and I was not given any instruction on what the next steps were. On XX/XX/XXXX I noticed XXXX updated my credit report to repossession on XXXX, closed on XXXX and open on XXXX. 
I reached out to the 3 credit bureaus for them to validate and correct the inaccurate information and the lender has continuously updated the account as correct.
Product: Credit reporting or other personal consumer reports

I sent an letter on XX/XX/XXXX regarding the inaccurate information being reported on my credit report. The letter was delivered to Experian on XX/XX/XXXX ( tracking number : XXXX ). The letter stated I was disputing the affirm accounts that was being reported late. On XXXX XXXX I received a letter from Experian that was dated XX/XX/XXXX in which it stated the investigation of my dispute was complete and the accounts matched the disputed request. I called the same day to speak with an representative to understand what the letter meant. According to the letter the accounts shouldve either been marked as never late or removed if the item already matches the dispute. But to my surprise the representative said she had no record of the account being disputed nor did she see the original letter of the dispute which shouldve been uploaded. She also stated she wasnt sure why I received a result letter without it being disputed ( which was the only thing she could see regarding the dispute ). So I asked to speak with another representative in which she also said the same thing and only could open the dispute again and I would have to wait up to 30 days to receive the results. Experian has violated my right under the FCRA to dispute incomplete or inaccurate information by not investigating the items that Ive stated to be incorrect. I will attached the letter I received that shows the report number as well as the results for an dispute that was never disputed. I also will be getting in contact with an lawyer to see the steps that can be taking due to my rights being violated
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

My Navient Online account was locked, preventing access to my information. The site said to call to unlock my account. The phone number provided registers as out of service, or directs me to an automated call service which has no info concerning locked accounts. 

Emailing " XXXXXXXXXXXX '' results in a reply saying, do not email this account, please log in, ( which is impossible ) with a locked account. 

It seems that unnecessary burdens to account access are in place to prevent consumers from having the information necessary to make financial decisions. 

Please disband this company.
Product: Checking or savings account

XXXX unauthorized charges filed on debit card. Worth XXXX dollars in total. XXXX is claiming none of the charges pop up on their end. I filed a claim through wells Fargo XX/XX/23 and it was denied.
Product: Credit card or prepaid card

I was monitoring my account when i found this company name in my history I called this company to claim that I never tried to open an account with them. They informed that they can not give much info because account was not approved. I enter to a credit page to do a dispute I also did a thief report. The results came back saying that this account was accurate. Im in process On going to SS office to report that my SS card has been lost for a while. And talk about this issue This is the day somebody use my info SYNCHRONY BANK Inquiry Date : XX/XX/2019
Product: Mortgage

On XX/XX/2016, I accidentally paid my mortgage twice in the amount of {$1900.00}. I reversed one of the payments because I can not afford to pay my mortgage payment twice in a single month. They assessed a non-sufficient fund fee of approximately {$50.00} even though the payment was not late and I've been fighting with them ever since to have this fee reversed. I've called and emailed them multiple times and none of them seem to understand the issue or how to resolve it. They've told me multiple times that someone would call me back but they never do.
Product: Credit reporting or other personal consumer reports

please delete the following account and inquiries Account Name : XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$360.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$5900.00} Account Name : XXXX XXXXXXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX  When was the Account opened : XXXX XXXX, XXXX Account Balance : {$190.00} Account Name : XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XX/XX/XXXX Account Balance : {$540.00} Account Name : XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$190.00} Account Name : XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  When was the Account opened : XXXX XXXX, XXXX Account Balance : {$190.00} Please Delete Fraudulent Hard Inquiries Immediately thats listed below XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX 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

First, this is so stressful and disheartening that as a consumer my rights are constantly being violated. I have been dealing with these issues for over 9 months. I am including ALL 3 BUREAUS IN ONE COMPLAINT!!! 
Experian, had a MAJOR problem with stalling disputes by sending FRAUD DISPUTES LETTERS. I am sending these letters from MY HOUSE, Signing them and enclosing my identification. Exactly how on earth is this a FRAUD DISPUTE? DO NOT SEND ME THESE LETTERS AGAIN!!! I have filed several complaints with them with the BBB & CFPB they always reply with ( they need more time ) one time even replying that they were investigating a BANKRUPTCY. I HAVE NEVER FILED BACKRUPTCY. 15 DAYS IS MORE THAN ENOUGH TIME TO SEND ME INFORMATION REQUESTED OR REMOVE THESE ACCOUNTS. My biggest issue with Experian is them verifying accounts and not sending me documentation of HOW they were verified. 
First XXXX I have contacted this company myself after disputing with Experian and XXXX several times and asked them to furnish me with the same information they have furnished the credit bureaus because i KNOW for a FACT it is inaccurate. No response. Experian and XXXX still tells me this account is verfied. It needs to be removed IMMEDIATELY. 

XXXX XXXX XXXX same with them. XXXX put the burden on ME to validate this debt with thr collection agency. They DID in fact submit me witb documentation for an XXXX XXXX. This account is NOT MINES and needs to be removed. 

I Also sent XXXX and the following collections agencies ( professional credit and credit bureau ) services letters stating that i felt that my hippa rights were violated. I requested a medical release form that i have NOT recieved. Under hippa my medical information is protected. XXXX needs to remove ANY medical bills immediately unless they can furnish me with a medical release form. 

Also on ALL THREE BUREAUS the XXXX XXXX XXXX is reporting several late payments on my account. An account that has been closed and transferred. They recently just updated this account with an 120 days past due warning. How is that even possible and this account has been with another agency over a year. This account needs to be removed from all three bureaus. 

This is exhausting that as a protected consumer i am getting all kinds of run arounds with MY CREDIT. This is causing me major stress and sleepless nights. This is my last letter before filing a lawsuit. I can not keep doing this back and forth.
Product: Checking or savings account

On XX/XX/year>, we had a phone call from a " Bank of America Credit Card Processor '', whom asked for service dept and once transferred, stated there were some transactions that didn't refund back to customers correctly. Our now previous employee was instructed to manually input those " voids '' as credit refunds. He manually refunded 5 credit cards that equaled to be {$5300.00}. I, XXXX XXXX was called from Bank of America as a courtesy to notify of these returns as it was suspicious. Those transactions were not from customers to begin with so we are unsure how it let us refund what was never given in the first place. We talked to Bank of America and we finally came to a conclusion on getting our money back. They said we will not be charged that money and the account is under restrictions until further notice. We were in fact charged that money the next day and after we called they said it will return in 24 hrs, but it hasn't and said there ' nothing they can do to return money to me.
Product: Credit card or prepaid card

I was issued a pre-paid card from " XXXX XXXX XXXX '' when I applied for a credit line for a new set of tires. I received the card, but it expired before I was able to use it, I am unable to reach anyone that could issue me a new card. The company that issued the card was " XXXX XXXX XXXX ''.
Product: Credit card

I called the credit card number and was directed to XXXX from the XXXX XXXX XXXX. I explained to her that I was in the hospital last month when my auto payment was initiated. I explained that I had no access to my device to use the app or to make a call. I was unaware that I did not have the fund at the time for my monthly payment which I have made on time for more than XXXX consecutive months. They claim they are a human banking institution. They don't try to understand their client situation if the role was reversed, they do not educate about the reason why this fee can not be refunded at all. 
Also they change their fees and I do not think that I have received some type of communication letting me know about the change in price of the fees and also informed me of the fees that could be associated with my account. I have not experienced this kind of fee with my other institutions where i have my major credit cards like XXXX XXXX  and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$43.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$220.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$890.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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

On XX/XX/20 I received an notification from my credit bureaus that my credit score had dropped 25 points due to my mortgage loan account being reported as closed. I had just recently refinanced my mortgage loan with Loan Care LLC and after receiving funds from the new loan service provider they without notification closed the account, thus causing my credit score to decrease. I contacted the company on XX/XX/20 to rectify the problem and was told they could not fixed the issue because all loans that are paid in full are reported as an closed account.
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.