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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my 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 has violated my rights .

I looked at my Equifax credit report on XX/XX/XXXX a

nd notice some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 card or prepaid card

I was on the Discover credit card app regarding a current card. One of those suggestions came up saying to apply for a credit card and THAT IT WOULD NOT AFFECT MY CREDIT REPORT. I continued with the application based on that disclaimer because I did not want a hard inquiry on my credit report. I continued the process and hit the submit button. Automatically I received an email from XXXX  that I had an inquiry from Discover. I contacted Discover and they said that the initial request would not prompt an inquiry but completing the ENTIRE application would and there is nothing that they can do about it. This is the epitome of bait-and-switch and I would not have applied for the credit card if they : 1 ) had not suggested it 2 ) said that it would be a soft inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

The credit agency representing  XXXX  has violated the FCRA by not providing signed documents to me in regards to this debt. I have no knowledge of this creditor and have not received anything that pertains to this debt.This s unverified and immediately needs to be deleted from my all credit files. :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertains to this debt. If ERC does not have any documentation, they need to retract this from m credit file immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my credit report that I do not recognized and/or didn't authorized. Some are multiple in the same month. I have tried to dispute these with Transunion several times but they keep saying that they are mines, but they are not mines.The hard inquiries are below that isn't mines. 

1. XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX ( XXXX ) 4. XXXX XXXX ( XXXX ) 5. XXXX XXXX XXXX ( XXXX ) 6. XXXX  XXXX XXXX ( XXXX ) 7. XXXX XXXX ( XXXX ) 8. XXXX XXXX - XXXX  ( XXXX ) 9. XXXX XXXX - XXXX ( XXXX ) 10. XXXX XXXX - XXXX ( XXXX ) 11.  XXXX XXXX - XXXX  ( XXXX ) 12. XXXX XXXX - XXXX  ( XXXX ) 13. XXXX XXXX XXXX ( XXXX ) 14. XXXX ( XXXX ) 15. XXXX ( XXXX ) 16. XXXX ( XXXX ) 17. XXXX XXXX ( XXXX ) 18. XXXX XXXX ( XXXX ) 19. XXXX ( XXXX ) 20. XXXX ( XXXX ) 21. XXXX  ( XXXX ) 22. XXXX  ( XXXX ) 23. XXXX  ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have fraudulent items on my credit report that I did not apply for nor did I give permission to anyone else to apply for. I never submitted my personal information to any bank to apply for any loan or credit card or bank account. There are also credit inquiries on my credit report that were generated because of those fraudulent applications.
Product: Credit card

I am writing to challenge the reporting of a charge-off account that I believe has been inaccurately reported under my name. 
Account Details : CB/WAYFAIR Account Number : XXXX Reason : Account is showing a balance with a charge off as it's closed. please delete Instruction : Please delete due to a violation of 15 US Code 1681a ( 4 ) I initiated a dispute regarding this account with the credit bureaus, and it was subsequently verified
Product: Student loan

I am currently having my transcript withheld because of a remaining balance that is supposed to be owed, I only know this now because Im trying to go back to school somewhere else. I was never supposed to owe anything to begin with because I was given a XXXX and asked to use it. I qualified for a XXXX because I was XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At the financial aid office of XXXX they had me explain my situation in writing in the fall of XXXX, they should have this on file. This is at fault of the school.
Product: Checking or savings account

Hi. I opened a new BMO checking account from a promotion email received from BMO. The link is : when I make more than {$4000.00} direct deposit in 120days from day 1 account open, it will reward a {$400.00} cash bonus in 130 days.I meet all the requirements. Right now its more than 150days. I still havent received it. I called the support. They said I will get a call back in a week about this issue. But I never received the call from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

dear, equifax please investigate the following inquries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to Sagestream for a security freeze on my Sagestream report.

Sagestream ignored my security freeze request and I have attempted to contact them and still no credit freeze has taken place.The FCRA provides me the right for Sagestream to freeze my Sagestream report. I would like the assistance of the CFPB to help me freeze my report with Sagestream.
Product: Credit reporting or other personal consumer reports

I was checking my credit report on XXXX XXXX at XXXX and it appears that XXXX XXXXXXXX XXXX XXXX  account number XXXX and XXXX XXXX XXXX account number XXXX are the same account.
Product: Debt collection

This company had previously been notified by myself as well as my legal representative to cease all debt collecting activities however communication continues with me as well as family members. Business also shared personal information such as balance owed with third party.
Product: Credit card

I feel as though I have been deceived and treated unfairly by the Navy Federal Credit Union and the promotional balance transfer marketing scam. 

A credit card with XXXXXXXX XXXX allows for a {$10000.00} credit limit immediately, but for some reason NFCU only allowed me {$500.00}. I feel as though I was given a lower limit due to my race or some other unstated reason. 

I requested to have my credit limit increased to {$12000.00} so that I can transfer my credit card balances for the promotional rate. 

I opened an NFCU Savings XX/XX/24 account in order to apply for the balance transfer credit card. My initial application was declined on XX/XX/24. 

So I called into the bank to close the savings account, since I was declined, but the representative suggested that I wait until I receive my rejection letter in the mail to see why it was rejected. I took her advice and I waited for the letter. 

The letter stated that I was rejected due to the amount of time I had with NFCU and the low balance, and the lack of direct deposit. I took this information and I set up my direct deposit, and waited two pay cycles to reapply. I was approved, but only for the credit limit of {$500.00}. 

I called in to see if I could increase my credit limit, and the representative told me, that credit limit increases are not approved with accounts that are newer than three ( the promotion is invalid after 90 days ) months old. I told her that I felt it was deceptive to have me open these accounts and set up the direct deposits and go through all of this for a balance transfer if they were only going to approve of an amount that is not close to what I originally requested. So she advised that I write this request with justification. 

I have not been applying any new charges to my credit cards, and I have only paid the minimum since I have been trying to establish this Balance Transfer to NFCU to pay off my debts faster. I have no auto loans, no student loans, no mortgage, and a decent income from my job. 

It was not disclosed to me that the balance transfer amount would be subject to my credit limit and it is not clearly stated in the Navy Federal Credit Union Credit Card Pricing Terms.
Product: Credit card or prepaid card

I signed up for this card in XX/XX/XXXX with the understanding that I would receive an incentive of XXXX Delta miles for spending {$3000.00} within the first 3 months. The application was accepted with no problem and I spend close to {$7000.00} within the first 3 months in order to qualify for the bonus. I called the company 4-5 times from XXXX - XXXX of XXXX to check on when the bonus would be posted and was given several different excuses -- that they were still processing the bonus, it took some time for the spending to reflect, etc. but was assured that I would receive the XXXX miles. 

The most recent time I called on XX/XX/XXXX and was informed that I " did not qualify for the bonus ''. When I asked why, American Express said that they could not tell me why and would " look into '' why I was denied. I find this extremely unethical and misleading of American Express and request that they be required to follow through on their commitments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that if after any reinvestigation, under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA.

In accordance with the Fair Credit Reporting Act below, the following accounts have 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. 1666b : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason
Product: Credit card or prepaid card

I cancelled my XXXX XXXX Membership on XXXX I have been charged {$10.00} XX/XX/2019 to present since I cancelled and additional {$30.00} in XXXX totaling {$120.00}. I originally disputed the charges on line with chase. Eventually they were reverse and I continues to be charged. When I filled the original disputes I told them I had canceled and could provide documentation. I had documented that I expect them to refuse any further charges from XXXX XXXX XXXX. Then I notice I was still being charged on my AMAZON CHASE card for XXXX XXXX XXXX. I called this time they said no problem they would take care of it. Again some time goes by and I am still being charged by XXXX XXXX XXXX. I call and now they are saying they can not dispute all the charges because it past a certain time limit. That's crazy I was very specific when I said not to except any charges from XXXX XXXX XXXX. I have stated this from day one! I go to XXXX XXXX with my documentation and the managers tells me non of the employee that I have spoken to in the past work there. She said she has to fill another cancellation form. What? Said that is the only way to cancel it. I feel that CHASE has acted irresponsibly, I told them this membership has been cancelled on more than one occasion and told them not to except anymore charges form them. XXXX XXXX  XXXX is a scam with there billing practices ... .There is no one you can talk to to get dispute settled. I have documentatuion!
Product: Debt collection

So I have been trying to clean my credit to get a house. So my issue came from Enhanced recovery company. XXXX asked several times if they owned account and they kept saying no, it was placed with them on XX/XX/XXXX or XXXX, not sure what year they said. I examined what I was trying to do, settle and pay off for less. They lady I spoke with didn't have answers and got supervisor. I explained to him what I was trying to do and the settlement offer didn't work with what funds I had. I then asked him several times if they owned the account. They said no. Then guy was just rude and I examined that there were issues with the actual bill. He said I couldn't do another dispute because I had just done one. I explained I didn't even know process. I pushed a couple buttons on XXXX XXXX and it Saud it was disputed. He then told me XXXX couldn't contact original creditor because they weren't in charge of account. I found out they were the owner of account and I could dispute and explain my issue with higher source in collection agency, but wasn't given that opportunity.
Product: Debt collection

I am interested in filing disputes for all the inaccuracies on my credit report with Experian.
Product: Credit reporting

I received a low credit score and did not understand why. I pulled my credit report and found that I my XXXX account had been sent to the credit reporting agencies. It was a bill for {$37.00} that I never received a bill for. I contacted XXXX at that time to find out why I had never received a bill. They replied that my account has a returned mail restriction on it and they could not send me any mail, this is why I have not received any mail from them. I do not know why that would have happened because I have never put any kind of restriction on my account, and I would never tell any creditor that they could not send me mail. As soon as I discovered that I had a outstanding bill out there I paid the bill and requested that they inform the credit agencies that it has been paid and to ask the credit agencies to remove it from my credit reports. They referred my to their legal department. I would like to dispute this action on the part of XXXX because I never received a bill and nobody from XXXX made an effort to contact me about the past due balance. I did not ask or request any kind of restriction to keep them from sending me a bill. I am sending the replies I received from XXXX acknowledging these facts
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/22 I tried contacting Huntington via chat to downgrade my checking account which is costing me $ XXXX. The chat rep said she could not do it on her own. She was only able to provide me a regular business number to call but could not provide a XXXX  number as requested. I am not able to go into branch due to XXXX XXXX XXXX so I am left with no options to stop getting this fee.
Product: Student loan

I received letters that said I could get a deferred payment plan. I called the number they said I have to pay {$290.00} times and that would stop and start my deferred payment plan. I have not made the first payment but they will not call me back or take calls. My mother already did the deferment on my FSA but now we can not login the company changed my account login
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the unresolved status of a previous dispute concerning unauthorized inquiries on my credit report. I initially filed this dispute onXXXX and followed up on XX/XX/XXXX. This letter represents my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

Unauthorized Inquiries in Question 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 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) : This section mandates that disputed information must be promptly investigated. It has been more than 30 days since my initial dispute, and I have not received an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) : This section entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section 604 ( 15 U.S.C. 1681b ) : This section defines the permissible purposes for obtaining credit reports. The inquiries in question were made without my consent and do not fall under any permissible purpose, representing a significant infraction. 
Immediate Action Required I request the following actions be taken immediately : Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

Immediate Removal of Unauthorized Inquiries : Remove any inquiries identified as unauthorized from my credit report without delay. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Please include documentation supporting your actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington Law pr omised me they will help me to repair my  credit score and I  paid them more than {$1000.00} and I am still a point zero. They did do anything for the last 12 months.   XXXX  They also took money out of my checking account without my consent.   XXXX  How can I have my money back please? I did not and will not sign anything with them. They do not stop to call me and trying to make me sign an online agreement which I do not want to do.   I just want my money back!   XXXX  Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. I called MACYS and they said that they are unable to locate my account. To be more specific they said that Account Not Found and they said that I make goodwill payment and this account that I will not be credited for. I can not let them collect money from me for the account that is not mine.

MACYS needs to stop reporting this fraudulent account reporting in my credit report. Since I was able to MACYS and inform them that this account is fraudulent, the initial action I am expecting from them is to forward this account for review. 

I requested what transaction was made in the account and they are unable to provide that information. They continue to report this Fraudulent Derogatory account in my credit report. I demand this account be forwarded to your Fraud Investigation Department for review. I request an investigation on the transaction, the application, and any documentation that you can give before verifying this  account as valid.