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

Bankruptcy is a legal process designed to help individuals or businesses manage insurmountable debt, and while it has significant financial implications, it is not intended to remain on a credit report indefinitely. Under the Fair Credit Reporting Act ( FCRA ), negative information such as a bankruptcy filing is subject to time limits, typically 7 to 10 years depending on the type of bankruptcy. The purpose of these time limits is to ensure that individuals who have gone through bankruptcy can eventually rebuild their credit without being permanently penalized for past financial difficulties. If a bankruptcy remains on a credit report beyond this allowed period, it is a violation of the law, and individuals have the right to dispute and request its removal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date of birth XX/XX/XXXX SSN : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dear Transunion : ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several frauds/unauthorized inquiries listed. As a reference, please see the below inquiries : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Transunion furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to Transunion resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations. 
Warm Regards, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Product: Checking or savings account

In XXXX I opened a credit card account only with Bank of America. When attempting to make a payment in XXXX I noticed a checking account was listed on my available accounts yet I didn't open a checking account with Bank of America. I made several calls on XX/XX/XXXX and XX/XX/XXXX. Each time I was told the account was opened online on XX/XX/XXXX. I explained I did not authorize this. I spent over XXXX hours on XX/XX/XXXX and a little over an hour on XX/XX/XXXX to only be disconnected when waiting for the fraud department to answer. Multiple representatives would transfer my call and the next representative would answer only to say they weren't the fraud the department but they would flag the account and transfer me on again. At this point I have no resolution and I do not know how my information was used to open an account that I did not authorize. 

To date I do not know the damage that could have been done, because I can't get Bank of America to take the fraud call and proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a letter requesting to have items investigated then removed from my credit report. The credit reporting companies have not done thier due diligence to reported back within a 30 day period. I have listed all the items that need to be investigated and removed from my account. The law states : If the completeness or accuracy of any item of information contained in [ her ] file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. 
I did not ask to just perform a reinvestigation of the items they need to be deleted. The position that the credit reporting agency isn't required to go beyond the original source in ascertaining whether the information is accurate has been rejected by the United States Courts of Appeals for the Fifth and Seventh Circuits. It requires consumer reporting agencies " to follow 'reasonable procedures to assure maximum possible accuracy ' of the information '' contained in the credit report. 
They have deliberately skimmed over and not protect the rights of the consumer. All of these Items are well over the 7 year statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had accident and was in hospital and later XXXX. XXXX. May have been trying to reach me during this time when I was hospitalized or when I was later at home under heavy medication. On the sister account, they had me listed as deceased. I tried to make payment on my account and could not. On XX/XX/XXXX I  called again and was told my account was charged off that same day and pending sold to a collection agency. I tried to persuade the company to let me settle my account but they told me to call back in 72 hrs to find out where my account was sold. The account was for about {$290.00}. I dont want to get negative credit for that when I tried to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S. code 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in a paragraph the term consumer report does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

company based in XXXX calls repeatedly with caller id from XXXX leaving message to call XXXX number. Calling the number no one ever answers and they still keep calling
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. 

Account name : XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Bank account or service

I am a customer of Wells Fargo. Before leaving for XXXX in XX/XX/2016, I called them to let them know that I will be traveling. The last day, I used my debit card to take out a small amount of currency while in XXXX. Immediately, my card was shut down. Upon returning to the XXXX, I also learned that a check had been deposited into a small savings account. I took the money that was in the savings and transferred it to my checking ( months before this ) ; The " second '' deposit of the same check was removed from my savings account which left my account negative. When I went to the bank to get a check card for my bank ( since bills were not getting paid due to not having a card ), I was told I could not get a card due to a closed account. I did not close the account nor did I transfer the money to the " negative account '' because I was in a foreign country. XXXX I still do not have a check card with Wells Fargo. 

Second complaint is that I deposited a larger check. It was around {$4700.00} into my account. Standard procedures that I have run across says that it will take between XXXX business days for checks less than {$10000.00} for it to post. The check is still not " active money '' in my account after XXXX weeks!!!!! It is " posted '' not " available. '' While waiting for this check to post ... bills have come out. So, they posted the largest bill first for withdrawal, and I am getting charged {$35.00} for every single transaction that is coming from my bank. How is this fair that I have money that is on hold from their institution my fault? I do not want to pay over {$200.00} in " return '' fees and " overdraft protection ''
Product: Debt collection

Auto was voluntary surrender in XXXX of XXXX. Company has charged off debt and and taken a tax credit. Company has not sent me a 1099-C in order for me to fail with my taxes.
Product: Mortgage

After going through repeated phone calls and asking them to stop. They are still call my house phone as well as my wife cell number. This issue is causing great dismay with my family. I keep telling them our situation has not changed and the time we are using to make it work is being blocked by the repeated calls ( harassing ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used in identity theft I have never applied or signed for any credit cards, insurance or loans which I am disputing. I currently filed with the FTC and local police authorities both have assigned a case and file number to investigate. I discovered the information on my credit report XX/XX/2023 which I notice XXXX  XXXX XXXX  on my credit report for fraudulent amount XXXX I have called XXXX XXXX XXXX  with no resolution.
Product: Debt collection

XXXX  XXXX is using midland/mcm/encore to abuse service members and retirees. when bureus are asked- no audit trail is provided- buttons are pushed- daily checks are made to companies. any attempt to remove mcm/micland results in harassment by credit one- which owes me over 120K in tcpa fines and refuses to pay. they did not stop harassing my XXXX line. furthermore mcm/encore has been sued by you and refuses to pay up - and remove the slander on my files. furthermore companies are reporting to XXXX and other subCRAs- which shoul not exist like clarity to continue perpetuated abuse and public defamation. Then these sub CRAs which only credit companies use- and like to hide info on thier associates- actively deny on basis of outstanding debt when there is NONE. Its is a cyclical debt resale game.
Product: Student loan

I took out federal student loans in XXXX, then the government unilaterally transferred them to Navient. Now, Navient is telling me I don't qualify for the government-mandated administrative forbearance in response to the Covid-19 pandemic. This forbearance allows you " to temporarily stop making your monthly loan payment. This suspension of payments will last until XXXX XXXX, XXXX. '' But I'm not qualified for this because, Navient says, some other organization is servicing my loans ... even though I deal only with Navient. 
This is pure fleecing. I took out federal loans. I never had any say over who manages and services the loans. I deserve not to have to pay during this crisis like others who took out federal loans. There must be millions of others like me.
Product: Credit reporting or other personal consumer reports

I Believe Experian has failed to fulfill Its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, Alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, Where EXPERIAN has neither corrected nor removed disputed items despite the evidence I provided calusing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law in my right as a consumer.
Product: Credit card

someone took a credit card out in my name ( FRAUD ) and i didnt no about it was took late they filed a judgment aginst me in XXXX well in XXXX they open the case agian and filed another judgment aginst me witch i never recived anything the second time i didnt they could only go back 10 years
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

In XXXX of XXXX ( maybe XXXX? ), I had a balance due of over {$500.00}, on a {$300.00} limit plus late fees AND over limit fees on the late fees. 
I to make 2 lump sum payments to cover the entire balance and mark as paid in full. I asked him several times if it was really truly paid off and over and he assured me it was. I was so relieved and had sacrificed to make it happen.

I didnt get the statement after that I owed XXXX, I was basically XXXX. So this whole debt started as XXXX cents, and they will not budge. Its extortion, really.
Product: Checking or savings account

NEW COMPLAINT UNRELATED TO ANY OTHER CASES Credits not received.     Credit from  XXXX  on  X/XX/2017    for  XXXX . Never received.     Credit from  XXXX  on  X/XX/2017    for  XXXX . Never received.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that i had fraudulent account on my report, please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an police report and ftc report on this account which I did not open or authorize. The company is XXXX XXXX. XXXX. I also : state with Experian that my rights have and are being violated under the law 15 US Code 1681a ( 2 ) ( A ) subject to section 1681-3 of title, any ( I ) report containing My information was stolen and I am still being victimized. 
Thank You XXXX XXXX
Product: Student loan

I have been paying my loan since XXXX in the original amount of {$20000.00}. Most of the money I pay goes to the high interest rates which are non-negotiable ( or so it seems that way ). The loan amount was brought down in XXXX of XXXX for {$10000.00} and in XX/XX/XXXX they threw in the capitalized interest of {$1100.00} which brought the total amount to {$11000.00}. The loan was only reduced because I had to dropout of school since I couldn't afford it. Sallie Mae sold the loan to Navient on XX/XX/XXXX for {$9500.00} and I've gotten it down to {$5600.00} since then. What I have paid in the lifetime of this loan so far is {$16000.00} ( Not the exact amount ) which comes out to the lender gaining about {$5000.00} on interest alone. The total amount of what I have paid so far is worth more than what the total original amount was that I was being charged and even the amount when it was sold to Navient. I have tried several attempts every year to call Navient and get a lower interest rate so I could actually make a dent in the loan amount but the answer I always get is that they can't do anything for me because it's a private loan. The only thing they can do is put me into default which will allow me to financially recover for a bit but the interest would continue to accumulate. I've paid more than necessary every single month yet the interest keeps going up and no matter how much I beg to have them work with me, it doesn't change a thing. I went to school when I was XXXX, I'm XXXX now with a family and have debt that is much more important to manage than this private loan yet I can't seem to get anyone at Navient to help me out. The lenders are the same with their unwillingness to work with people even if we're trying to do the right thing and repay them. I've gone from 10 % to 12 % interest in the last year alone and I am starting to pay {$300.00} a month yet I see only a small difference in the principal balance. It's disappointing that people who are trying to get an education in order to have better lives can't seem to do so without carrying the weight with them the rest of their lives.
Product: Credit card or prepaid card

I have a chase card and have had autopay for years on it, I paid off the card and had the annual fee charge my card around the same time my husband was hospitalized for XXXX  which set into XXXX. I have autopay on all my cards and for some reason the reporting agency from chase said " your autopay did not go through because your account number came back invalid '' this is the same account number I have always used and nothing has changed and it rejected the payment shutting off autopay. They attempted to mail a notice they said, but it was to our old home address so I never received the notices. I was helping care for my husband during the time they attempted to contact me at my old home address and I never received a phone call from them once saying that my account was past due. I happened to just login to my app that month and then noticed it was late and paid the full outstanding balance.
Product: Checking or savings account

I am a long time customer of Wells Fargo Bank. On Monday XX/XX/XXXX, I filled out the online form to open a CD with a transfer from an existing Wells Fargo account. When it did not open I called 3 times and was told it is " in process ''. Today, XX/XX/XXXX, I escalated my complaint and a higher level customer service person finally told me that she had an email saying their system was having problems and was taking up to 10 days to process and open a new CD. I asked what would be the effective date since the interest rate differential is significant, in other words is Wells Fargo swiping the float. I was told it would open when it was processed. I then said that was unfair and amounted to Wells Fargo increasing their bottom line by likely millions of dollars since there is no telling how long this has been going on or how long it will last. I said that based on Wells Fargo 's terrible history with regulators, I intended to file a complaint. 
Note that the Account XXXX on the next page is the reference number I received when Wells Fargo acknowledged my application.
Product: Money transfer, virtual currency, or money service

I did a wire transfer on XXXX and XXXX from chase bank and XXXX  XXXX XXXX to a receipent bank called XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX. and they transfer the Funds to a scam crypto platform called XXXX. Amount scammed total almost XXXX dollars. But the banks are not cooperating to recover my funds
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 Account # XXXX, has violated my rights. 

XXXX CARD : Account # XXXX, has violated my rights XXXX XXXX : Account # : XXXX, has violated my rights XXXX BANK : Account # : XXXX, has violated my rights XXXX XXXX XXXX : Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or 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. 

ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Money was taken out of my account by Direct Express that was suppose to go to my mortgage company through XXXX XXXX but there was an error and the mortgage company was never paid. My problem is trying to get Direct Express to put it back in my account.
Product: Money transfer, virtual currency, or money service

I booked a vacation package with XXXX  XXXX XXXX XXXX on XX/XX/XXXX. I put a deposit of {$300.00} down via PayPal. On XX/XX/XXXX, The XXXX XXXX XXXX went into administration ( bankrupt ) and it is no longer trading as a business. 

PayPal has rejected my claim on the basis that I am out of the time-frame to claim. 

Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. 

The time limit for making a claim should start from the date I was expecting to receive the service/trip not from the purchase date, given I was buying something to be delivered in the future. 

In my case this date should be my refund credit note expiry date of XX/XX/XXXX. Alternatively, as I was not able to open a dispute through their system since I was outside of the team limit, they may use the date I found out that I would not receive the trip ( XXXX XX/XX/XXXX ).