23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was issued a pay card by my HR department through USBank Focus pay card. My card was deactivated on XX/XX/XXXX, for an unknown reason. When I contacted the company on XX/XX/XXXX to inquire why my card was rejected when trying to pay my car payment, they stated that it had been deactivated on the above date. I asked why and they were unable to provide me a reason and stated they would look into the issue and it would be resolved. I attempted again to pay a bill on XX/XX/XXXX and it was again rejected. I contacted the company on XX/XX/XXXX and was told to fax a valid photo ID to verify the card and the issue would be resolved in 1 business day, which I did. Today, XX/XX/XXXX, the card is still unable to be used and when I contacted the company they were unable to tell me if the fax of my ID was ever received and stated it would be about 5 business days after they receive the ID to process the complaint and fix the card. They have had almost 2 full weeks to fix the card and have yet to do so or are unable to provide me with any answers when I call to inquire about the situation. I am completely unable to use the card and my checks are direct deposited onto the card.
Product: Credit card or prepaid card

I went into my local branch at XXXX XXXX XXXX to have someone help me setup automatic payments on one of my credit cards. I was told automatic payment were successfully setup. Not once was an automatic payment taken out. This resulted in a 30 day late on my credit report. 

I do not believe that the 30 day late is accurate since I made effort on my behalf to make sure this was setup properly.
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 : 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 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: Bank account or service

I went into the Navy Federal Credit union on Monday, XXXX XXXX, XXXX and discovered {$4800.00} was taken from my bank account. After a spent 4 hours going round and round in a circle, I was informed that collection removed the funds from my account due to a charge off account for a bad check in XXXX. When I asked for document required this i was told that if is Navy Federal Policy and there was no statue of limitation for their actions. To my understanding this account was paid in full. I asked for documents and to this day I have not received anything.
Product: Credit card

Please review the attached documents. I am urging the bureau to initiate an inquiry into these accounts for which I have never been tardy, yet they are incorrectly reporting me as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX XXXX AF - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX XXXX XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 somebody stole my identity and applied for a false account with Synchrony bank through a company called XXXX. I have called XXXX credit fraud department 24 times and was told it was taken care of but never was. So, I need the inquiry removed from my XXXX  credit report, which has lowered my score and caused a denial of credit due to the fraudulent inquire. I have never received anything from Synchrony bank. They refuse to help in any way.
Product: Student loan

During the original student loan forbearance and now this XXXX forbearance ingrese should not be accruing. I made payments after the original student loan forbearance ended but somehow my total balance has increased by {$2000.00}. When I call mohela I can not get through and when I do I get sent to a person in training that can not give me answers.
Product: Checking or savings account

on or afound XX/XX/XXXX, i linked my ally bank savings account to my daughters, in order to transfer money to her. there was no indication on the tranfer link page to indicate that this was a prohibited transaction, and the link was processed. that led to my accounts and even my access to those accounts at ally bank [ including investment accounts ] being frozen. 

the lack of a single sentence stating that links to accounts i did not personally own were prohibited, or a simple rejection of the link would have prevented this problem, so, to me, this was a problem of ally bank 's creation. 

many calls to " fraud prevention '' at ally ensued. it took a week to renew access to my own money. i still have no access to my investment accounts [ which have had absolutely no activity ] as of today, XXXX XXXX. 

one of the most frustrating aspects of this was the non=responsiveness of customer service [ bank, fraud prevention and investments ] to requests to speak to supervisors, managers or corporate officers. i was not allowed to speak to the person [ XXXX ... no last name ] " investigating '' the case, which could not have been simpler, and, as i said above, basically a problem of ally 's own creation. 

i was, and continue to be denied access to my own money for what is now over 2 weeks. i find it hard to believe that such a practice could be acceptable. if ally needs more employees in order to resolve these matters in a timely way, they must hire them. in this case they could have presented the problem by simply including the necessary information on the transfer page, or simply voiding the request
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received 2 different alerts on different days ( Savvy Money on XX/XX/ and XXXX XXXX on XX/XX/ ) from 2 different credit monitoring companies ( Savvy Money through XXXX XXXX XXXX and XXXX XXXX through XXXX XXXX XXXX ) advising me that my score had dropped significantly. ( XXXX XXXX ( XXXX ) XXXX to XXXX XXXX point drop and Savvy Money Inc XXXX XXXX XXXX XXXX to XXXX point drop. I am unable to reach a live person at neither companies. So, I called XXXX and spoke to XXXX to ask how I could reach them, she advised that she " XXXX '' their contact information and advised me to go on line and submit a question to them which I had already done and no response as of this note. I asked her to have a supervisor call me back, no one has called me back. I also called XXXX XXXX directly, I spoke to XXXX ( requested a supervisor to call me back on Friday XX/XX/22, no call. I called back today XX/XX/ and spoke to XXXX ( in the Fraud Investigation dept. ) which I asked him to transfer me to a supervisor in the US because him and XXXX basically sounded like they were reading from a script and could not tell my why there was such a large drop in my score when there had been no late payments, or anything that would speak to the large drop. I did have 1 hard inquiry but that only speaks to a few points. XXXX transferred me to XXXX in the US a and she could not explain the drop. All 3 of them told me to contact the credit monitoring service which I have been unsuccessful in reaching a live person. I was even advised to go to XXXX. When I asked why and stated that the website would not be able to tell me why my score dropped I received silence. I'm getting bounced around and not getting answers. I asked XXXX to have her manager call me since she was not telling why the drop happened, she only gave possibilities, nothing specific. I want my credit score restored. This has impacted my me and caused a lot of stress over the last 4-5 days. I need answers. XXXX XXXX/used the XXXX XXXX scoring model and Savvy Money uses XXXX XXXX XXXX scoring model. Please help me. It is outrageous and unfair to ask an everyday citizen to fix a problem like this. Service is definitely lacking with every person I spoke to. I honestly thought I would get this resolved but after 10+ calls and no return calls I hoping you can help me.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct 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
Product: Credit reporting

i have several medical bills from XXXX iowa they did not file with my insurance company properly or not at all i have contacted my insuranse company and they have not recieved any charges that is on my credit report they can not pay what they have not been given i went to them and asked and they told me they did submit it i asked them to resubmit it and they told me they could not also i swear under oath i have never in my life time received a bill for the charges that i see on my credit report from them also they are charging me for an ambulance that i never was transported in and charges in XXXX of 2012 or XXXX the patient was my mother and no charges were ever submitted to either insurance company and again i have never been sent a bill for either i have charges from years ago but in no way knew about them until i looked at my credit report for the first time this year
Product: Checking or savings account

A fraudulent account was opened in my name on XX/XX/2023 with Bank of America. I called and promptly had the account closed and it happened again on XX/XX/2023. 

I already had freezes in place will all of the credit bureaus and after the first account was fraudulently opened I placed an additional alert. 

Bank of America 's does not have safeguards in place and does not require even an email verification to open a checking account and they stated that it may take " around 30 days '' to fix any safeguards in their system regarding my information. They have no solutions for me to prevent additional accounts from being opened in my name. 

They closed the accounts and gave me reference numbers for the incidents XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A chapter XXXX bankruptcy is being reported on XXXX, Experian and XXXX reporting bureaus. I have requested that they remove this item many times from my credit report and to this date ( XX/XX/XXXX ) it still remains.
Product: Debt collection

I did not give I C System Permissible purpose pursuant to 15 USC 1681c ( b ). I the consumer XXXX XXXX XXXX is the consumer pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. By furnishing this false information you have violated my consumer right pursuant to 15 usc 1692b ( 3 ). Also pursuant to 15 USC 1692c ( a ) you not allowed to contact me the consumer unless permission from the courts. Pursuant to 15 USC 1692c ( c ) cease and desist all communication through all mediums. Pursuant to 15 USC 1692d. Pursuant to 15 USC 1692e ( 2 ) ( A ) the false representation of the character amount of any debt. Pursuant to 15 usc 1692f ( 1 ) the collection of any amount of debt unless such amount is expressly authorized by the agreement creating the debt. I am not obligated to pay any debt pursuant to 18 USC 8. Also in violation of 15 USC 1692e ( 11 ) and 1692e ( 10 ). I C System has reported 3 alleged accounts on my consumer report without my permission. Even if I didn't answer to there notice. pursuant to 16 usc 1692g ( c ) failure of a consumer to dispute the validity of a debt may not be constructed by any court as an admission of liability by the consumer. So if you have to have a judge to give you permissible purpose to furnish my consumer report why are you reporting this alleged debt on my consumer report Pursuant to 15 USC 1692j. This is called breaking the law. Pursuant to 15 USC 1692k I C SYSTEM is civil liable for damages for each violation up to {$1000.00} each.
Product: Debt collection

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : CITICARDS CBNA XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last couple of months Ive been disputing this student loan with TransUnion and XXXX. I cant understand how I could be current on XX/XX/2015 but 90 days last the next month. I tried and tried to take care of this situation with transunion and XXXX but they keep validating this inaccurate reporting.
Product: Money transfer, virtual currency, or money service

i sent XXXX dollars to XXXX on XX/XX/year>, but they can not receive it
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month almost Equifax and XXXX has lowered my Fico score completely unfairly because I pay my credit card bill off in full every month. Theres absolutely no reason that my Fico score should drop. They are also letting anyone regardless of credentials or veracity attach any bill to my collection balance. The bills on my collections are several years old And I am not accruing any late or past due balances. I dont understand what type of people or mathematical formula they are using at those two institutions that paying my bills off every month in full somehow lowers my score. I would appreciate some help. Thank you.
Product: Debt collection

Made a XXXX  account and transferred $ to my bank account. The deposit went in XX/XX/XXXX. It was returned XX/XX/XXXX. Called them on XX/XX/XXXX, they gave me an a email XXXX XXXX XXXX Emailed them toshow them proof of that the $ was returned on my bank statement to XXXX. 
The email didnt go through because it was not valid. Called them back right alway to tell them that their email was not valid. They tell me they been getting emails today and it was working. They are wrong, I told them bring me to court because I have proof and that I will report them.
Product: Credit reporting or other personal consumer reports

I was listed in several major data breaches, compromising my personal information and making it susceptible to misuse. These breaches have resulted in the inclusion of numerous incorrect and unverified items on my credit reports, which vary inconsistently across the three major credit bureausEquifax, XXXX XXXX XXXX After obtaining my free credit reports, I discovered these discrepancies and initiated disputes with the companies reporting the negative items and the credit bureaus directly. 

Despite my efforts, the inaccuracies persist, causing significant harm to my credit standing and personal reputation.Despite my repeated efforts to correct multiple inaccuracies on my credit reports with all three credit bureaus, these errors remain unresolved. These inaccuracies negatively affect my creditworthiness and violate my rights under the FCRA.

These breaches make any electronic records suspect, as digital signatures and documents could have been compromised or fraudulently created.

Under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ), failure to provide this information invalidates the debt. Moreover, the inclusion of such unverifiable items on my credit reports violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that credit reports be accurate and complete.
Product: Debt collection

Today ( XX/XX/XXXX ) I checked my credit score and noticed that between XX/XX/XXXX and XX/XX/XXXX there was a collection account added to my report. The collection agency is Congress Collection and which has never contacted me in any way. The original creditor is XXXX XXXX XXXX of MI XXXX and which also has never contacted me in any way. The supposed unpaid balance on the account totals to {$86.00}. The year the supposed account was opened was XX/XX/XXXX ( XXXX, XXXX ).
Product: Debt collection

Harassing phone calls, multiple phone calls, calling and disclosing personal information to relatives, this XXXX debt is not mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This creditor has violated my rights. Under 15US C 1681 Section 602 states I have the right to privacy. 15US C 1681 Section 604 A Section 2, It also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15US C 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this credit bureau a letter about two bankruptcy reporting on my credit report. The letter stated that the US bankruptcy court does not report bankruptcy to the credit bureaus. Some third party person reported this without my permission.
Product: Credit card

Please check the documents that I've sent. There are late payment remarks and I want it updated to positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify 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 need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A dispute letter was mailed to Diversified Adjustment Service, but the address listed in their letter and on their website is invalid.
Product: Credit reporting or other personal consumer reports

Experian is reporting two non-mailable addresses on my consumer report. I have never lived in those addresses and need them removed from my consumer report. I only have one address and have proveded the documentation to prove so.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report and have no idea why theyre there. I checked my credit report like I usually do, but this time, I noticed unexplained discrepancies. I even refreshed my browser thinking it might be a glitch, but the unauthorized inquiries remained. I am extremely frustrated with this issue and urgently request a thorough review of the documents Ive submitted so I can stop worrying about this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AMND REMOVE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed a copy of my credit report and seen accounts that are fraudulent and does not belong to me. The accounts need to be deleted from my credit report immediately. This is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Product: Debt collection

I received a letter regarding a disputed bill with an XXXX XXXX dated XX/XX/20 from PennCredit Corporation. I mailed to them a 'cease and desist ALL communications ' letter ( because it is disputed ) on XX/XX/20. However, I continue to receive phone calls per my caller ID from this collection co. ( PennCredit ). They have called : XX/XX/20 at approximately XXXX from XXXX ; XX/XX/20 at approximately XXXX from same # ; XX/XX/20 at approximately XXXX from same #. 
I believe they are in violation of the law by persisting in making contact with me after they have been notified to STOP and that this bill is DISPUTED. Any reporting of this DISPUTED bill on my credit report causes damages.