23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

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. 
XXXX Account First Credit Services, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Charge-Off Reporting, Unauthorized Account Reinsertions, and Non-Compliance with FCRA To Whom It May Concern, Additionally, I have noticed that accounts previously removed from my credit report have been reinserted without providing me the required notification, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that if a previously deleted account is reinserted, the consumer must be notified in writing within five business days. The failure to comply with this requirement is unlawful and unacceptable. 

Furthermore, I have disputed fraudulent accounts on my credit report, yet Experian has refused to remove them as required by FCRA laws. The refusal to remove fraudulent accounts without proper investigation and verification is a direct violation of my consumer rights. 

Under the FCRA, credit reporting agencies are responsible for ensuring that all reported information is accurate, fair, and verifiable. 

I am requesting the following actions : An immediate investigation into the accuracy of this charge-off reporting.

Verification of the charge-off status with the original creditor. 

Removal of the charge-off notation if the creditor has failed to comply with tax reporting obligations. 

Investigation and removal of any unauthorized account reinsertions without proper notification. 

Removal of all fraudulent accounts that have been previously disputed and found to be inaccurate. 

A detailed response within 30 days, as required by the FCRA, outlining the actions taken in response to this complaint. 

Failure to comply with my request will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action to enforce my rights under federal law. 

I expect your prompt attention to this serious matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Synchrony Bank lowered my credit limits on three of my credit cards to the amount owed on the cards, that made my credit use go from 30 or 40 % to 100 %. that made my credit score go down hurting me financially, I have never been late, always payed more then the payment due.
Product: Credit card or prepaid card

My Citi credit card was charged {$11000.00} and {$11000.00} on XXXX XXXX 2017. I called the credit card company immediately and closed my credit card. The charge of {$11000.00} was disputed and I got the credit for one of the charges ( {$11000.00} ) the next week. However, the other charge of {$11000.00} is still on my account. 
I called the company more than 8 times. Every time I had to wait on hold for about 1 hour to get to talk to someone from the dispute team. I was always told both charges ( {$11000.00} and {$11000.00} ) are already disputed. They explained to me that giving the credit back to me takes some time, but I was guaranteed it will be credited within the next 3-5 days. However, it 's been almost 3 months since I called them for the first time and I still have that fraud charge on my balance. This is already hurting my credit score and also affects my life greatly because of the lower credit limit I could use.
Product: Credit card

My Kohls credit card was hacked on line on XX/XX/2017 Kohls sent XXXX email gift certificates to a gmail account which they refuse to divulge due to privacy rights. No confirmation email was sent to us as Kohls claimed the box was checked not to send a confirmation. We used the account on XX/XX/2017 There was no record of the alleged gift cards. 
I received my bill on XX/XX/XXXX and immediately reported the fraud. Kohls opened an investigation and from that point on, the have continued to lie and refuse to provide any information on who they sent {$300.00} worth of gift cards from my account
Product: Credit card

I already filed a complaint against Ally Credit Card which is in process ( # XXXX ) regarding them not giving me the promo rate they offered but since then I also noticed that they also did not give me any cash back which was also in the promo letter. Also since my complaint to you they have locked out my credit card account. Although they emailed me that I have a statement available, I can not access my account online or even in the app. I keep getting a " server '' error. Which is their server since I use XXXX. And the app just keeps knocking out my login information. So even though I have never missed a payment or had any other problem except what I complained to you about, I can not now even pay the card off and get away from them. They are set to start charging me about XXXX % interest on the balance on or about XX/XX/XXXX so time is of the essence. 
It is also worth noting that I have called them multiple times and they keep me on the phone and on hold over and over for XXXX minutes and route me to others who also put me on hold and none of people I speak to is able to help me in any way at all. This appears to be a major scam. I am over XXXX and it is the holidays a perfect time to scam the elderly.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has violated my rights and has ignored my concerns over their reporting of erroneous account information on my credit report. They have illegally verified information that is reported wrong and there is no way to get a reasonable explanation from them. They have not provided any proof that I requested and I have not been able to get ahold to them over the phone. I have sent them all the information I have. They have stressed me out by making a simple situation difficult and refusing to uphold their legal obligations.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer reports, I noticed that I have numerous inquiries. I have been notified that my data has been compromised as a result of the XXXX data breach... I believe these inquiries are fraudulent and I am requested they be removed/deleted from my credit reports. The inquiries WITH MULTIPLE DATES are as followed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****TRANSUNION**** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

AllianceOne Receivables Inc mailed a letter ( without a date or letterhead ) claiming that I owed over {$1800.00} in XXXX tolls from 2009. The company then added almost {$9000.00} to their company 's collection fees on to the bill. 
The letter sent had no official letter head or representative name or ID #. There were also several account numbers handwritten in a blue pin on the paperwork. That debt has been paid and settled. 

Outside of the debt not being mine, it is outside of the Statute of limitations for XXXX & XXXX ( 6 years ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax Inc. announced " a cybersecurity incident potentially impacting approximately 143 million U.S. consumers '' and that " intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' On XX/XX/XXXX, I went to the Equifax website to check if I had been impacted. I entered my last name and last 6-digits of my SSN. I recieved the message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I was offered to enroll in XXXX XXXX XXXX, however I am concerned that doing so may weaken or limit my future legal rights.
Product: Credit reporting or other personal consumer reports

I'm DISPUTING inaccurate personal information found on my credit report. This information is NOT ME and I have NO RELATIONSHIP to it. Please remove this information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. 
Inaccurate names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Indebted Credit collection emailed to collect a debt. However, there are XXXX different amounts and no validation of the debt to confirm. XXXX is trying to collect money after several submissions provoking XXXX electronic transactions while at the same time, got Indebted trying to collect a debt. Its double standard without providing proof if a debt with historical data to review.
Product: Credit reporting

The name XXXX. Is not me. Also the last name XXXX is also not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is STILL reporting inaccurate and incomplete information months after I have disputed and made these issues aware to not only the bureaus, but the creditors!!! Why are you guys not actually investigating these issues and you keep willfully reporting incorrect information on my credit report which is keeping me from doing so many things in my life!!! Why are you doing this to me?? 
JPMCB CARD XXXX XXXX XXXX Account # : XXXX XXXX There are at least 3 additional data fields that are reporting inaccurate across 2 bureaus Date of first delinquency is reporting inaccurately across 2 bureaus.

There is no notice of previous dispute.

The creditors name is truncated and unidentifiable. 
The account number is truncated and unidentifiable. 
The account has been charged off but, it is still reporting incorrect payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are in violation of 15 us. code 1681i. 

I am victim of identity theft and I have went through all the phases to report the fraud to credit, police, FTC, IRS and the credit bureaus. They did not show how they verified the fraud accounts and have yet to remove the accounts. XXXX Accounts with XXXX XXXX XXXX  were open jointly and fraudulent one in the amount of XXXX dollars and the other in the amount of XXXX dollars. I want these accounts deleted and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, about the unauthorized accounts that appears on my credit report I request these following accounts to be delete and removed off my Equifax credit report : " XXXX XXXX XXXX '' Open Date XX/XX/XXXX Amount {$8800.00} Account XXXX, " U S DEPT OF EDXXXX '' Open Date XX/XX/XXXX Amount {$5200.00} Account # XXXX, " XXXX XXXX XXXX OF ED/XXXX '' Open Date XX/XX/XXXX Amount {$6900.00} Account # XXXX, " U S DEPT OF ED/XXXX '' Open Date XX/XX/XXXX Amount {$3400.00} Account # XXXX, Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Equifax credit report, and my XXXX credit report due to my identity been stolen.
Product: Prepaid card

On XXXX I used my XXXX gift card at XXXX XXXX for a small purchase of {$4.00} which was successful. A minute later I proceeded to purchase the rest of my groceries in the amount of {$91.00} at the same store with this same card. The transaction was declined and I had to return my items to the shelf. This was embarrassing. 

The balance on the card was {$210.00} before I used it at this store. 

In order to complete my case the company wants a lot of personal information such as my address, government photo ID, name, birthday. I refuse to share this information, and they do not need it. 

This is the second complaint against the same company and card. They are showing a pattern of consumer abuse where every time I use the card they shut it off. This is preventing me from using my gift and they intended to keep my money.
Product: Payday loan, title loan, personal loan, or advance loan

I an XXXX XXXX military and XXXX XXXX XXXXXXXX. Tried to contact the company regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Since I am XXXX XXXX and XXXX XXXX XXXXXXXX  I should get my loans redeuced to 6 % and get reimbursed for the previous amount I have been paying over 6 %. 

I have tried contacting navy federal and they are getting it confused with the SRCA. This is different than the SRCA. They told me I couldnt do anything about the high intrest I was paying. 

I have attached the statue and my XXXX XXXX XXXX XXXX XXXX.
Product: Student loan

I have attempted to contact my servicer of my student loan, Navient, several times over the last 2 years regarding changes to my monthly payment. Periodically, the payment will decrease but I noticed when it does the principal starts to increase and I never can get ahead. I was encouraged by a Navient agent to utilize forbearance at one point when I was having financial difficultie. I then took out additional loans for XXXX school, some in excess of what I needed at the encouragement of both the school and Navient. When repayment began the payments were exorbitant and I was told repeatedly and sometimes with belligerence that I was not a candidate for income repayment. We have, however, not missed a payment since repayment began, but the changing monthly payments are making it so that the loan will never be paid off. I do n't know how much longer this can go on before we too default.
Product: Money transfer, virtual currency, or money service

I have an account with PNC bank I sent money to my God father in XXXX through a wire transfer. The money was never sent to actual recepient bank and was on hold forever. I was told its now in XXXX? And they cant get it back and that I lost my money. I never sent it to XXXX bancomer I sent it to a whole different bank in XXXX XXXX XXXX XXXX. Ive called over 5 times and was given different stories or pushed to be all back or transferred! At this point my money is not back in my account after multiple calls to dispute and refund transaction since the money wasnt sent to my family member. Bank refused to give me details, take my calls and gas been given me the run around from the first week I sent money and God father never received. Ive called multiple times and manager that called me back recently seems to have a problem giving ne any detail info or a resolution on this refund dispute! Instead she has a bad attitude and said that I am at the mercy of bancomer XXXX where they sent my money. Again those are not the options or bank I requested when putting information down on my XXXX phone. I am stressed and lost patience with bank as they seem not to care and be bothered by me asking for details and information on the multiple calls Ive made regarding this transaction and dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there were still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX Account # XXXX which is a revolving credit card account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX on XX/XX/2015 XXXX on XX/XX/2015 and Equifax XX/XX/2015 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX  Account # XXXX 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. it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 
All Accounts related to the matter : Account # XXXX : XXXX XXXX XXXX XXXX XXXX Account # XXXX : XXXXXXXX XXXX XXXXXXXX Account # XXXX : XXXX XXXX Account # XXXX : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

transunion/XXXX released my report without my written consent and violated my federally protected rights Navient is using my identity and saying I owe, this is fraudulent ; producing a contract without my signature is Fraud and very illegal.15 U.S. Code 1681b No permissible purpose ; no written consent as required by law 15 U.S. Code 1681 consumer reporting agency must take a vital role protecting my rights to privacy The bureau is not verifying the debt is actually mine ; who did they speak with as required by law when acquiring my location ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted. 
They are not protecting consumers rights Not only that XXXX is harassing me and calling my all time/hours ; oppressing me reporting false late payments 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Product: Credit reporting or other personal consumer reports

This information has been reported as verified. Per FCRA section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it should be provided. A copy of ANY original documentation was NOT provided at my request. Under section 611 ( a ) ( 1 ) ( A ) of the FCRA it is required. Under section 611 ( a ) ( 1 ) ( A ) information that can not be verified is to be promptly deleted. There has been a failure to comply under section 617 " negligent noncompliance ''. This has violated my rights as a consumer.
Product: Credit card or prepaid card

CFPB : I receive statement monthly for bank but never received XX/XX/XXXX statement but was told account was delinquent and behind. 

However they said they will send statement so I can see charges. 

However we are concern because you recently ruled on a matter, in regards to XXXX XXXX where I was the sole beneficiary of my wife 's account and said a non custodial party was allowed into account.