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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion 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 card or prepaid card

I opened a Secured credit card with Capital One XX/XX/2021. I sent in {$1000.00} for my credit limit. I have NEVER been late on my payments and have kept the credit utilization down as I purchasing my first home, that they have now impacted and I was denied. XX/XX/2021 I went through a third party to " reserve '', not purchase a hotel room. This company has a policy of matching a lower price and refunding 200 %, which they have failed to do, but there is an attorney dealing with that. I was charged {$270.00}, but paid {$190.00} with the hotel. Capital One is failing to refund my money. They are allowing this third party that I gave no authorization to use my card full access to my funds. This goes against the FTC policy. Capital One has closed my account due to me complaining and informing them that I would be filing a complaint with CFPB. I am a single mom, with a XXXX XXXX, during a global pandemic.
Product: Mortgage

My mortgage servicer is US Bank. Due to COVID-19, I experienced a loss of income and have struggled to make my mortgage payments. In XX/XX/XXXX, I reached out to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX for assistance. With the help of Legal Aid, I applied for mortgage assistance through XXXX XXXX XXXX XXXX XXXX Homeowners Assistance Fund ( HAF ) program, Save the Dream Ohio. 

On XX/XX/XXXX, the XXXX XXXXXXXX XXXX XXXX conditionally approved my application. They sent a verification record to US Bank for them to send back to the XXXX  XXXX XXXX XXXX. US Bank completed this step in XX/XX/XXXX. Shortly after, the XXXX  XXXX XXXX XXXX notified me that my application had been fully approved. 

Save the Dream Ohio made the first payment on XX/XX/XXXX, which reinstated my loan. I was also approved for six months of additional mortgage assistance. To date, the XXXX  XXXX XXXX XXXX has sent mortgage assistance payments to US Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, my most recent billing statement, dated XX/XX/XXXX, indicates that I am two payments behind. I have erroneously been charged late fees for two months.
Product: Debt collection

Consumer Adjustment Company has a collection on my credit report for {$160.00}. I have not taken out any debt in this amount and I am not allowed to get loans from XXXX XXXX so I called them and they said they dont have this record under my matching information and it is not even the right birthday. Wrong XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX pulled a credit report without my consent. I previously sought their services back in XX/XX/year> but after several attempts to make contact and receive an update on my application, I ceased any further services and provided written and verbal communication that I no longer wanted to use their services for obtaining a home mortgage. After a few months I received a notice on my credit report that another hard inquiry was done for my credit by XXXX XXXX  XXXX. I did not authorize this and was done without my consent by XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, XXXX never acknowledge my complaint, therefore, I have approached you XXXX and I would like to receive your assistance on this matter.
Product: Credit reporting or other personal consumer reports

My purse was taken in XXXX. I've been monitoring my credit profile and accounts. I recently pulled a copy of my credit report and noticed accounts and inquiries that are not mine nor have I authorized. I reached out to the credit reporting agencies requesting verification. These accounts are not verifiable. 
I have the right to privacy, and these accounts with XXXX XXXX XXXX XXXX XXXXXXXX have been furnished to my profile without my written consent which is in violation of 15 USC 1681B. 
Again I have no knowledge of the accounts or credit inquiries from XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I requested with each agency that all fraudulent addresses are removed from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got scammed by XXXX XXXX XXXX, they used the co-signer scam on me and took advantage of my naive position as an immigrant that doesn't know anything about how things work and the fact that I had good credit and they just wanted to sell a car no matter what. They made the co-signer scam by telling the person I was just accompanying that he didn't qualify on his own for financing and said that since I had a relationship with him they suggested me to co-sign for him, they lied to me assuring me that In was only signing as a reference to help him be able to get a loan and have the car with better interest and better price. But this is of course FALSE!, this was repeated by another finance manager when I tried to r4turn the car, she said they ( Toyota Financial ) couldn't get to me for money because he was the principal not me, it was until months after that I realized of the scam and lies, when the lender ( Toyota Financial ) called me to explain I was equally responsible for paying the debt. The debt on the loan is now {$22000.00} with {$2200.00} in late payments. 

I accompanied my boyfriend and roommate at the time XXXX XXXX XXXX, to buy a car at XXXX XXXX XXXX. I just went with him as a company but when he applied the finance manager told him that he didn't qualify and that he needed a co-signer, they asked about what was our relationship and proceeded to tell me I could co-sign for him and that I was only signing as a reference to help, no one explained to me what co-signing meant and I am an immigrant and I do not know anything about that. No body told me I was going to be responsible for paying if we didn't and that I had to rights to the car. Once I realized XXXX XXXX XXXX was a con artist I tried to take the car back to the dealership, only to be told by XXXX XXXX another financial manager at that dealership that they could not come to me for money because he was the principal and I now know that is not true, she lied to me. I lend him the down payment money which he paid in full to gain my trust, he said he would pay the car once he got the inheritance money from his mother 's death and that was all a lie.
Product: Credit card or prepaid card

AMX improperly applied the payments I made over the minimum due to lower interest rate balances rather than highest interest rate balances. From my calculations, I paid approximately XXXX over the minimum payments due over the past several years. However, the balance on my highest interest rate balance has continually gone up instead of down. The highest interest rate is a cash advance rate of 22.49, purchases are at 11.49. Big difference. Not only has my high interest rate balance not been reduced by my XXXX over the minimum payments, the balance has actually increased from XXXX in XX/XX/XXXX to XXXX on my current statement dated XX/XX/XXXX. Since I have not taken a cash advance in the past 7 years, I believe that my purchases are inappropriately being applied to the cash advance balance in error. When I noticed all this was happening, I contacted American Express. I have made several calls trying to resolve this and get some help. The representative told me it would take 4-6 to resolve and that I would hear from the company in writing. That was on XX/XX/XXXX. As of today, I have yet to hear anything from AMX. After contacting AMX, my XX/XX/XXXX statement was adjusted giving a credit to my account for the Cash Advance interest fees for one month of {$290.00} and my minimum payment was reduced to {$170.00}. Also, my cash advance balance was reduced to {$1500.00}. I know this is a complex case and this error has occurred over several years so I was happy to see that it appeared that AMX was trying to rectify the situation. To my complete dismay, my XX/XX/XXXX statement has the cash advance balance at {$14000.00}. I do not know what has happened to my account, perhaps a terrible computer glitch, but it is not right or lawful. I have been charged all of this extra interest on incorrect balances all of these years. My purchases should be charged a rate of 11.74 % NOT 22.74 %. Also, my payments have been increasing over the years, from approximately {$300.00} a month to my current payment due of {$450.00} due to the interest being calculated on cash advance rates instead of purchase rates. Also, my credit has been severely affected because of my credit utilization percentage being so high.
Product: Credit reporting

I had a XXXX Credit Account opened XX/XX/XXXX and always paid as agreed and closed in XX/XX/XXXX. Now XXXX is reporting negative on my Experian Credit Report. I started a investigation and around 3 days later Experian send me a email of completion. It seem to me that they are playing games and do n't want to remove this information. Can you all direct me to a Federal Agency that will take control of Experian and their lack of work.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I was not satisfied with the result I got from my TransUnion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information and inquiries to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information and inquiries removed or have anyone from TransUnion contact me about the status of my concern. Here are the incorrect information and inquiries that I am trying to dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

Navient is continuing to charge student loan interest. When I asked them they said that is only department of education loans. My loan originated from there and I was in default but have been out of default for some time now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the JPMCB account also known as JPMorgan Chase Bank in a Charge-off status and past due balance estimated to be {$10000.00}. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these XXXX duplicated loans for over several months. I know the all loans are closed XXXX balance thats not the issue I only took out XXXX loans period not XXXX the loans the XXXX loans for XXXX and XXXX for XXXX making it XXXX loans on all 3 credit bureaus when originally I only had XXXX loans again the issue is duplicate loans please please remove the duplicates you say its accurate its not I only took XXXX loans and that what should be on my report s not duplicate loans look at the amounts and the dates please
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for somewhere new to move and was declined. I was supplied with a copy of that report and noticed 2 different judgements/evictions from : XXXX XXXX XXXX case # : XXXX address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TN XXXX and XXXX XXXX XXXX case # : XXXX address : XXXX XXXX XXXX XXXX XXXX, TN XXXX. I have never been associated with neither of these apartment complex or these addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

My background through first advantage consumer reporting. 
I applied for a job with XXXX XXXX and 1st advantage reported some erroneous information on the report. 
I never had a charge of aggravated assault XX/XX/XXXX nor any charge of unlawful possession of a firearm nor a charge of unlawful purchase of a firearm.XXXX And I certainly never was convicted of such either. 
The firearms charges were false info only.I disclosed everything and they messed up the information.I am legally able to have my firearms.Sell or Otherwise.those charges were due to a pawn shop form I misunderstood and tried to answer truthfully.My ex wife had a protective order in place which was all based on false information.I was charged with on XX/XX/XXXX with XXXX XXXX but I certainly wasn't convicted of that charge.It was simple XXXX a misdemeanor and not a felony.Plus the whole thing was based upon false information in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I deposit a check at bbva & its still not available Im so frustrated because I need it for my bills I deposit it XX/XX/2021
Product: Debt collection

I received a voicemail yesterday, XX/XX/XXXX from XXXX XXXXXXXX XXXX saying Chase is trying to summon me to civil court for a debt thats passed the statue of limitations. I recently opened a case with Chase XX/XX/2023 and they stated there should be no legal action against me. That case number is XXXX. The person that reached out to me is XXXX at XXXX XXXXXXXX XXXX, Phone # XXXX.
Product: Credit card or prepaid card

On XX/XX/22 I attempted to make a purchase from XXXX. I received a text message from Aspire asking if I authorized this transaction which I replied " Y ''. My payment declined so I reached out to the issuer. They said a temporary suspension was placed on my account to prevent fraud and had me verify my recent transactions to remove suspension. I did and suspension was removed but my card kept getting declined with XXXX. I reached back out to the issuer and was then told some transactions are systematically flagged and to try my card with a different merchant. I told them I was not interested in using the card somewhere else, that I had already approved this transaction several times now ( from the first text and through their chats with agents ) and they need to unflag this transaction I authorized. They told me there was nothing they could do but to use a different card with XXXX  or use my Aspire card with a different merchant. They verified I have available funds, but are restricting where I am able to use my funds.
Product: Credit reporting or other personal consumer reports

XXXX, Trans Union, and XXXX has failed to provide the method of verification for the XXXX XXXX XXXX account reporting on my credit report. I have written XXXX numerous letters request and verification methods. However as of today no method or proof of verification has been given by XXXX nor XXXXXXXX XXXX XXXX. As a result of this inaccurate reporting my credit score has dropped tremendously and it has caused me to be denied credit by several different companies. 
Furthermore I feel that experience is not providing their method of verification because they are using secondary credit reporting agencies that they own. The use of such is a complete conflict of interest and violation of all FCRA Laws. 
Please inaccurate reportings are causing harm stress and unnecessary financial burdens on me due to my current utilities, insurance, and other necessity bills are based on my credit worthiness and report. Especially insurance I'll pay all your premium because of my credit report.
Product: Debt collection

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and there is two collection accounts that doesn't belong to me. 
My ex husband filed a bankruptcy chapter XXXX on XX/XX/2016 and debt belongs to him and it was included in Bankruptcy. Case file number XXXX Equifax, XXXX and Equifax has sharing my information with collection companies and credit companies without my consent.. 
I never had a XXXX XXXX credit card owning {$590.00} and a collection of {$3900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report 8 months ago ( and again yesterday ) XXXX XXXX XXXX shows 2 accounts in collection ( they are not listed as original creditor ) I requested full validation of debt, and after 8 months of requesting it or demanding removal, they still have done neither, in full violation of FCRA. They have not validated because they can not. When I file complaints, they respond that they have validated so, since they claim they did, and I claim they have not, I request they send full, complete validation to you, if they fail to include in their reply to you, they must remove any account they have listed from all 3 of my credit reports in accordance with the FCRA.