23daVinci/CFPB_Complaints huggingface dataset:
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Checking or savings account

My account got hacked. There was checks deposited that didnt have any funds.
Product: Credit reporting or other personal consumer reports

One again a account that doesnt belongs to me appeared on my credit report out of no where for the second time and XXXX  allowing this
Product: Checking or savings account

I filed a dispute for two payments that were duplicated in my account from the bank XXXX for two different credit cards, the dispute department made a mistake and included two other merchants that were not discussed in the call and this cost me over {$160.00} in fees and one credit card closed due to this chargeback. JPMorgan Chase is lying saying that I did include these merchants, when in the recorded call is not true and they deny me the right to listen to the call with them so I can prove them wrong. I have taken this case to their executive offices and they insist they did nothing wrong which is not true and the recorded call proves it. They say that at the time of the call the other two merchants were pending, which is NOT true. I was very specific about the merchant in dispute, XXXX, and the repeated amounts {$2800.00} & {$1900.00}, I remember this call very clearly. I need help, they are abusing their power and do not want to be responsible for their mistake. This has caused me a lot of issues and loss of money. 
thank you XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally dispute an incorrect and fraudulent entry on my XXXX credit report. Below are the details of the disputed entry : Creditor : Credence Resource Management Original Creditor XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} Status : Collection account, past due as of XX/XX/XXXX I assert that this account is not mine, and the information reported is inaccurate and fraudulent. I have never opened an account with XXXX XXXX XXXX nor have I authorized any transactions with Credence Resource Management. The account was fraudulently created and does not pertain to me in any way. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter thoroughly. I am seeking the immediate removal of this fraudulent account from my credit report. Enclosed with this letter are copies of my identification and supporting documents to verify my identity and substantiate my claim.
Product: Credit card

on XXXXXX/XX/2022 I I was receiving phone calls form Goldman Sachs for not paying my monthly payment which i never used the card, and they want payment and late fee. I dispute these charges over the phone. they look into my account and contacted the Apple Inc for charges and they had no record that I authorized the charges so they reverse the charges and credited my account for those charges, all the charges was credited to my account so how I was late in my monthly bill? But Goldman Sachs still reported these charges against my credit to credit bureaus as a let payment that dropped my score from XXXX to XXXX. Once I found out contacted them and they promised to reverse the action but never did. This is not the first time they did this. once before the reverse their false late fee on the beginning of last year XX/XX/2022, because the could not produce monthly statement to me and I specifically requested a paper statement and never received any statement from Goldman Sachs. 
I was always getting monthly statement from all credit card companies but never received from Goldman Sachs. 
they promised me that they are sending me paper statements which I never received from them. 
I never signed for electronic statements. ever. with any company or lender always paper because I am visual person and not computer savvy. I don't use email very often
Product: Credit reporting or other personal consumer reports

I took out a loan in XXXX XXXX XXXX The loan is showing up on other reports and for id verification, which verifies it is part of public record. The lending company has submitted my documents 4 times to the reporting agencies, with my payment updates but I have yet to see the loan reflected on my reports. I have now paid off my loan and still no reflection on my reports. Experian credit agency is under fire for not reporting the report May u please investigate this problem & take matters of making sure this reports please thanks. I have uploaded all the files. By law you must have this report reported on my records
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

After paying on our Secured cc card account one day after due date they closed account .No complaint there, although unusual when we were always on time..It was secured with a cd from them ( USAA ) which we agreed with them that they would pay off credit card and send the difference of cd to us in a check within thirty days.This was XX/XX/XXXX. They have given us so many stories and different departments with now ... 60 days later and no refund of balance on cd. 
After alert on my credit from XXXX  they ( USAA ) sent a closed account with a XXXX balance On our credit report! This is how we found out that all this time they hadnt paid it off with our cd agreement.Spoke to someone last night from Usaa ..only to once again hearing them say they were sorry this happened. Our concern is where then is our money? 
We want our money and this negative false report taken off and difference again sent to us.
Product: Money transfer, virtual currency, or money service

On XX/XX/17 I went to go rent a car it hurts and they do not accept a XXXX  credit card. So I went on my cash app and moved {$330.00} to transfer to my XXXX XXXX as they would take that card. As soon as money went into my cash up account they immediately suspended my account for suspicious activity. 5 days have passed and no one has reached out said anything. I have uploaded my license and verified my identity. Every time I call I get hung up on and I'll chat say sorry we don't have any information. I love week the week and the money that they took hostage has impacted my life for which I don't think I'll be able to come back from. I am unable to go to work and since I'm unable to work I'm unable to pay bills and I have XXXX  children and this is going to affect me horribly.
Product: Credit reporting or other personal consumer reports

I have been dealing with Transunion about unverifiable information on my credit report and also how it is difficult to submit a formal dispute with documents. I have tried over and over again to get consistency from what they are reporting and what they are validating. They have showed me nothing to show that my report is being investigated properly. I even filed a Identity theft report and they do not acknowledge that my account needs attention. I know that they are required to provide me with the information that would give them permission to put this information on my report and they haven't. They want tojust send me results which would be something like this account has been verified as yours without explanation. I am in need for explanation, and they refuse to give, and continue to report as if it was verified and they don't have to have explanations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 CREDCOXXXX XXXX  I has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Federal Student Loan Balance under {$4000.00}. I submitted applications for federal student loan forgiveness as well as, public service student loan forgiveness. While the Biden Administration works out those details, student loan payments and interest have been paused. XXXX has harassed me with phone calls and reported my account 90 days delinquent to the credit bureaus. This has dropped my credit score over 100 points. I am in the middle of a home repair. This fraudulent behavior is costing me and my family money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Expierian is once again not doing their job properly and investigating accounts that are not the consumers.. While other credit reporting agencies have found the accounts not to be accurate Experian sides with the company no matter the dispute or proof.. The account being reported that is not mine is under XXXX/XXXX  I have never had this account and all other agencies have found that I have not.. I also share a name with my father, and over the years his identity has somehow been mixed with mine..
Product: Debt collection

I attempted to inquire about my rights under the FDCPA, as debt charged off to a debt collector could be construed as an unwarranted search or seizure ; the debt collector did not particularly identify what type of debt it was. 

The information I got was not helpful in resolving the debt.
Product: Checking or savings account

I had an issue where my check number was stolen from the mail and cashed under another name it was my rent check and since I expected the amount to come out I did not question it until I saw it was cashed by another name that was not my landlord I notified them as soon as it was brought to my attention and as per what I saw in the last dispute its open six months from the statement and its been under the time when it was notified. It was XXXXXXXX XXXX cashed and pending to my rent which Wells Fargo allowed the check to be cashed when there is clearly a modification Done to the check. I am looking for a full refund for this matter as it is not ok for the bank to not protect me from being robbed my money and not notice who is cashing my checks sent. I will attach the image of the check cashed I need this resolved as no one is helping me and this bank is supposed to protect my money as it has failed me in doing so. The check number is XXXX I will attach it.
Product: Debt collection

Trustmark Bank is trying to sue me and garnish my wages for debt that was created well over 3 years ago. In Mississippi, the statue of limitations state that after 3 years, they legally can not do that. They turned my sent over to a collection company called XXXX and XXXX in XXXX Mississippi. They canning keep violating my rights and trying to take my hard earned wages. Something needs to be done. Trustmark currently has a lawsuit against them relates to outrageous overdraft fees!
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple fraudulent inquiries on report. 
I am a victim of Identity Theft. Please remove the below inquiries from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Enclosures : 1. Copy of Identity Theft Report 2. Copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four ( 4 ) business days. 

XXXX XXXX/XXXX  XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XX/XX/2021 XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I opened a line with Tally inc. several years ago. The premise of their product was that they would offer a lower interest rate than my credit card, and shift my debt onto their loan platform at the lower rate, and automatically pay off my credit cards in an optimal fashion to reduce interest costs. It worked like this for awhile. My line of credit on Tally was about {$8000.00} at an interest rate of around 11.9 %, which was far less than the cards I was paying off.

Around a year ago myself and most if not all members of the Tally community were sent an email saying that due to lack of investors, Tally would no longer be able to service our loans the same way. They said they would no longer be able to pay off and manage our card repayments with their service. Also, they let us know they were increased interest rates from the 11.9 % I had to 24.99 %. I requested information and refused payment, because this was illegal, and after excess of probably 40 emails I was only given generic copy and paste automated messages from Tally. I called and no one could tell me anything. They said they could change interest as they saw fit. 

So now, the product that they advertised as saving me money on interest, had higher interest than the original cards they came off of. It gets even worse. A few days ago I get an email that Tally is closing its door, dissolving. How nice. They sold my debt to a third party company, with no consent, with the below information. 

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Telephone number : XXXX Hours : Monday through Friday from XXXX XXXX and XXXX from XXXX XXXX Correspondence Address : XXXX  XXXX XXXX XXXX, XXXX XXXX, MO XXXX Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX This is a debt XXXX agency XXXX not a credit servicing company. Which means my dead that I had with Tally, will now be reported as collections. Even though it was only sent to collections because they dissolved their company after going insolvent. Tally has broken law after law after law, and now I will have an account with a non agreed upon interest rate with a collection agency and I did nothing wrong. This is absolute insanity, and I hope the government eats the executives from Tally alive, and I hope SRT is punished for purchasing manipulated debt.
Product: Vehicle loan or lease

Hi, My name is XXXX XXXX. I am XXXX  who owns my own company called XXXX XXXX. I was denied credit at San Diego Credit Union for a car loan. They said my credit was XXXX, when my account show my credit is XXXX ( XXXX ), XXXX ( XXXX XXXX ), XXXX ( XXXX ). I am filing a complaint against the Credit Bureaus. They are giving inaccurate credit reports on this file. Please check into this if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was two accounts removed from credit bureau, Trans Unions report, XXXX XXXX XXXX and, XXXX XXXX during a dispute 3 months ago. Trans Union could not fix so they deleted from file on my wife and me. Ive called Trans Union and was told to contact Creditors. I contacted Both creditors and they did a update to both Accounts with all three Credit Bureaus! Now Trans Union is not up allowing, up dates to be put back on Credit File? Thats on my wife and I! Ive called and keep getting nowhere?
Product: Credit reporting or other personal consumer reports

INQUIRIES ( Transunion ) 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX  XX/XX/XXXX 5. XXXX XX/XX/XXXX Late Payments : XXXX XXXX/ XXXX  1. XX/XX/XXXX 2. XX/XX/XXXX 30-59 days late
Product: Debt collection

My car payment was due XX/XX/XXXX, I 'm a little behind right now nothing major, three weeks, some unexpected issues came up.., but they started calling me XX/XX/XXXX ... They call everyday, all day long. Ive asked them repeadily to STOP calling my job, but they keep doing it ... And it 's at least three times a day ... The late payment is n't even considered a problem for my credit until XX/XX/XXXX!! Today it 's XX/XX/XXXX!!! 
I just want them to stop harassing me.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which goes against consumer financial protection act ( CFPA ). Cash app failed to take timely in effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and accepted as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Capital One has verified the debt on a account from 10 years ago was fraud and not mine. I keep calling in about it and they say its nothing they can do. They removed it from my report. However they sued me while I was in XXXX on XXXX XXXX in XXXX XXXX county. I was XXXX and could not even defend myself. It has been on my public record for almost 10 years and I keep calling with their reps being rude. This is totally unfair, I was in XXXX XXXX county XXXX XXXX XXXX on a XXXX XXXX XXXX. That card or account was not mine, yet capital one wont do anything to clear my name from the legal system.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES ON MY XXXX REPORT DO NOT HAVE AN ACCOUNT WITH THE COMPANY, NOR HAVE I APPLIED FOR CREDIT WITH THESE LENDERS. 

XXXX. XXXX XXXX XXXX DATED XX/XX/XXXX XXXX. PENTAGON FCU-XXXX DATED XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I was laid off work due to a natural disaster ( XXXX XXXX ) I reported this to the company and they said I would be okay but report my payments late between XX/XX/XXXX to XX/XX/XXXX. By law it should of never been reported and THE LATE PAYMENT should be removed from my credit report ASAP
Product: Checking or savings account

Since about 3 or more years ago, my bank has slowly crept up to its old practices with fees in my checking account. When banking regulations happened during the financial crisis US Bank did what I thought should have been a common practice from the get go : 1. overdraft fees would not exceed the amount being paid -- for example I just got debited {$25.00} from check card connected to toll booth recharge account. this {$25.00} charge brought my account below zero and i got charged a {$36.00} fee -- and this has occurred multiple times in the last 5 years -- going against a practice in place after regulations started back in 2009 or so. 

2. this specific charge, for example, after banking regulations circa 2009, would not have been paid for there were not enough funds in the account, regardless if it was a charge deemed " recurring '' or not. 

3. this bank is back to debiting items the old way : when multiple items come in for debits -- whether through check card pre authorizations, scheduled bill pays, or checks coming through, the highest item is paid first and then the smaller items regardless if they came a day earlier or on the same day. this practice then, for consumers with low account averages makes them liable for multiple overdraft fees as higher ticket items are paid first. 

4. lastly, if i remember correctly, if there were funds when an authorization occurred, the authorization would be paid with no fee incurred regardless whether the account went in the red. 

I contacted the bank in regard to these issues and they simply gave me the option of having a checking account that was severely handicapped -- i.e. one wherein neither checks nor check card actions were possible or would require a per transaction fee or leave everything as is. 

i was so relieved when the original regulations were in place and slowly became more increasingly disheartened as the dismantling of these regulations protecting me were eroded quietly and effectively over the years by the bank. I am certain that this is not the only bank and that it is not the first time that you hear of this. 

I expect no resolution. We will see if this works. Thanks for reading.
Product: Credit reporting or other personal consumer reports

Navient has inaccurately reported late payments on multiple student loan accounts despite the fact that these accounts were never late, as they were under enrollment deferment, standard deferment, or hardship deferment. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information to credit reporting agencies, such as Navient, are required to report accurate information. When I contacted Navient on multiple occasions to request verification and correction of these inaccuracies, they failed to respond or rectify the errors as required by law.

Additionally, under 15 U.S.C. 1681i, the credit reporting agencies are obligated to conduct a reasonable investigation when a consumer disputes information on their credit report. Despite my formal requests to XXXX, XXXX, and XXXX to investigate these errors, none of the agencies completed a proper investigation or corrected the inaccurate information.
Product: Debt collection

My complaint is with Bonneville Collections Agency Inc at XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, ID XXXX. On two occasions this year, on being today XX/XX/XXXX @ approximately XXXX pm XXXX, I was threatened with legal action for refusing to give my employment information when I called to make a payment on the accounts the agency holds with my name on them. The representative who threatened me went by the name of XXXX, whom stated, " If you do not give us your employment information we will not set up arrangements with you and we will give the accounts to our attorneys who will take legal action. '' I made the payment with XXXX over the phone using my XXXX XXXX Card and ended the call. I called back and escalated to a supervisor who told me his name was XXXX, and he apologized for his employees conduct.