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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my 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
Product: Credit reporting or other personal consumer reports

Please re investigate the inaccurate information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my Credit/Score Report from Experian I came to notice missed information and I decided to complaint. 
I were reading " Concerning what's hurting my Score? " - " Short Account History " : Experian refers credit History within 25 years helps for a better score and mine are only 19 years 4 months, I came to figure out while blinked my left eye and start laugh on that, well came in my mind more then that. 
My question to this ; does Experian manipulates or try consumers look foolish? 
Well, I may offer my help to remember Experian the following : I purchased a house in XX/XX/XXXXat XXXX XXXX XXXX, XXXX XXXX RI XXXX, payment mortgage to XXXX XXXX XXXX, XXXX MA, I purchased a new car year XX/XX/XXXX, a XXXX XXXX and payments to XXXX. 
Well, even taking the latest date XX/XX/XXXX+ 25 = year XXXX, more then 25 years to present date, isn't true????? 

- " Seeking Credit " : How many do refused to open an account/card when shopping and the Commercial Retail are inviting consumer to have their own card from store. 
Experian does supply a report without be register as an hard inquire? or Experian does contradict the fact " more credit more power '', isn't true? 

- " Serious Delinquency " : One account within 60 days payment due. It is if Experian wants to prevail what are considerate wrong on their point of view that others 2 Credit Report Agencies don't see. When Experian does not want accept proves that all process are mislead. 

Enough reasons to ask, are Experian a honest or trustful credit report agency, does manipulate reports within second intentions, or a joke? I have my own judgment!!!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

This company closed my account arbitrarily in   XXXX   XXXX   soon after I opened it based on their relationship with a family member which they refuse to explain. I have never dealt with such an unethical and rude financial institution that wants to collectively punish family members and refuses to disclose any reasoning behind it. This has damaged my credit and I expect the inquiry for it to be removed from my  XXXX  report that is dated  XX/XX/XXXX  I should n't be punished for a company 's bad policies that have nothing to do with the current customer as they acted in bad faith with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am disputing the inaccurate reporting of the below account XXXX XXXX XXXX Date Opened : XX/XX/year>. 
This account is reading charge off or profit loss on my credit report and Under 15 U.S. Code 1681s-2, furnishers must not report information they know or should know is inaccurate.

Additionally, IRS guidelines classify charged-off debts as canceled income, which should not appear on consumer credit reports. This reporting error has harmed my creditworthiness and financial stability. I asked for this information and never received it and I disputed this plenty of times.
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report this evening and have no idea how they got there. When I checked my report as I normally do, there were unexpected discrepancies. I tried refreshing the page, thinking it might be a glitch, but the unauthorized inquiries remained. I urgently request that the documents I've provided be reviewed thoroughly so that I can put this issue behind me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. 
2. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete all phone numbers from my consumer report. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX. 
XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX. 
XXXX, XXXX XXXX Sincerely
Product: Credit reporting or other personal consumer reports

Hi I am XXXX XXXX. I live in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. I was monitoring my credit report the other day and got shocked from the fact that someone tried to apply for a credit card under my name. That was unfair to try to take advantage from my good credit history with my banks and apply for anything. I have been a victim of identity theft and i am submitting this report in order to dispute those inquiries from my report. Please remove following inquiries from my credit report. 
XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> 2024
Product: Checking or savings account

I have Chime. My debit card was compromised so they cancelled it and were supposed to send out a new one within 10 days. It has been well over XXXX weeks and it still has not arrived! They sent me a virtual card which cant be used to get money orders so when my rent was due, I had to cash app the money to my daughter which charged me a fee and had to deposit it into a new bank account I had to open with a new bank. Because of all this, I was also late paying my rent and have been charged a late fee because rent was late. I tried contacting Chime via chat. They asked if my address was correct which its been the same since I opened my account with them. During the chat I realized that it was not a live person I was chatting with but a computer generated chat! I am getting rid of Chime completely after this nonsense but I still want to hold them accountable so that this does not happen to other people. I have spoken to several people that have Chime also and they claim that they also have to wait longer than the 10 days to receive a replacement card. It took forever to get my first cards. Its unacceptable! To deposit money into your chime account, you have to go to a XXXX XXXX  or other approved location and PAY to add money to your account. EXAMPLE : I have a bill due and its {$100.00}, I want to pay through my online so i go to deposit money to my account. I would pay the obvious {$100.00} deposit and then a fee for depositing that cash into my checking account! If you dont have it direct deposited, you get charged a fee!
Product: Credit card or prepaid card

I am a customer of Bank of the West. My Debit card was recently charged for charges I didnt purchase within this month and last month. I went to XXXX, XXXX for a vacation. The date were XXXX XXXX XX/XX/XXXX of 2022. During my stay I lost my debit card around the XXXX or XXXX of XXXX. I reported the card lost/stolen to my bank through the mobile app and requested a new card. When I got back to the United States on the XXXX of XXXX the new card that arrived in the mail had the exact same 16 digits on the card that I had lost. I dont know if this was a mistake or what happened. I went ahead and kept the card, but changed the PIN number on it. I checked my account to see if any unusual activity was taken place but none at the time of me looking. I had got pending credits from XXXX, that I did not do. I didnt notice the credits were being charged everyday until the XXXX of XXXX. I went to go get gas and my card declined both at the cashier and at the pump. The last time I checked my account I had about {$2400.00}, when I checked it the day the card kept declining I only had {$8.00}. I immediately called the bank and my account was frozen and put under investigation for 7-10 business days. In between the time of the investigation, I talked to the fraud department of my bank several times and one time being a supervisor. Out of the money that was taken, the bank only awarded me {$860.00}. I called the bank back and the supervisor of the fraud department named, XXXX told me that the examiners are the ones who look into the account and thats what they gave me. I asked could I talk to the examiner I was told, no and that they would contact me. I asked, when the supervisor replied maybe next week. I feel the bank is not trying to help me solve my problem and get my money back and at this point, I want someone to please to investigation on whats going on, because my bank I feel doesnt care.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I called Specialized Loan Servicing LLC ( SLS ) at XXXX at XXXX EST, on XX/XX/2020, to state that I would be switching homeowners insurance companies from XXXX XXXX XXXX  XXXX to XXXX XXXX . The SLS rep told me to call their escrow line at XXXX. I did so at XXXX XXXX EST, and I requested that no payment be made from my escrow account. I was assured the payment of {$1300.00} had not, and would not be processed to XXXX XXXX XXXX  XXXX. 

Today, XX/XX/2020, I received an e-mail from Specialized Loan Servicing LLC which stated that they had made the payment of {$1300.00} to XXXX XXXX XXXX XXXX. 

Specialized Loan Servicing LLC, through its incompetence, has stolen {$1000.00} ( the payment caused a negative balance of {$280.00} ) from my escrow account. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account Opening date is inconsistent across the credit bureaus. 
Account Type is inconsistent across the credit bureaus.

Account Status is different across the credit Bureaus It reports as open and closed at the same time.

Date of last payment is inconsistent across the bureaus.

Date the account was last active is different across all credit bureaus.

Account Balance is different across all bureaus.

The high credit limit is different across all the credit bureaus.

Account is erroneously reporting 30 date late payment on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two bankruptcy that are being reported on all three of my credit reports. This is an invasion of privacy pursuant to 15 USC 1681 ( a ) ( 4 ). The court gave the information to a 3rd party or XXXX took the information and sold it to the consumer reporting agencies.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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: Debt collection

This company calls and harassed me about a debt that I dont owe. This is for a phone that was returned to XXXX and is not owed. This company has also reported this debt twice to the credit bureau and appears as TWO SEPARATE accounts on my single credit report. I do not owe this debt.
Product: Student loan

This complaint is regarding my student loan servicer 's ( Nelnet 's ) unfair and deceptive interest accrual practices. My loan servicer is continuing to charge interest on a loan even after I have paid it in full, applying interest to the previous balance until the next billing cycle. This practice is misleading and financially harmful to borrowers who, like me, are hard workers, struggling to pay off their loans while providing for themselves and family. When I pay off a loan, I expect that my payment immediately stops all interest accrual on that balance. However, an advisor told me that interest continues accumulating based on my old balance until the next billing cycle begins, even though the loan has already been paid off. I seem to be getting new information every time I call the servicer, too! I believe this is an unfair financial practice because : Borrowers are misled into thinking they have fully paid their loans when they actually owe additional interest. This creates unnecessary additional charges that make it harder for borrowers to pay off debt
efficiently.

Other financial institutions ( like credit card companies ) do not operate this way, so why are student loan servicers allowed to?

I request that the CFPB investigate this practice and enforce clearer, fairer policies regarding interest accrual and loan payoff timelines.

Student loan servicers are gauging VULNERABLE people. I, for one, am very well-read and intelligent -- yet there is alway something new and different I learn about the loopholes that student loan servicers exploit. Again, if I were to loan individuals money and pull this criminal activity, I would be sued. These companies need to have spines and operate fairly. MAYBE THEN, fewer people would try to get OUT of paying their loans!
Product: Debt collection

A few years back I was involved in a motorcycle accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment.

2 ) That all correspondence take place in written form only.

3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period.

4 ) Your office will mail all correspondence to my home address or my email at XXXX. 
Thank you for your consideration in this matter. 

XXXX XXXX
Product: Debt collection

NATIONAL RECOVERY AGENCY is illegally misrepresenting the date of the original debt so that it appears newer on my credit report, which creates a negative effect on my report. Due to the date of the original debt it should not have a negative effect but because NATIONAL RECOVERY AGENCY misrepresented the date it is.
Product: Debt collection

Company is calling from unknown number and leaving threatening voice mails on myself and all of my family member 's telephone numbers. He leaves a call back number of XXXX. He threatens to come to my place of business or home and serve papers to have me arrested
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

ON XXXX XXXX XXXX  TRANSUNION illegally and unethically obtained my mortgage property information WITHOUT AUTHORIZATION and then DROPPED MY vantage and FICO SCORE BY XXXX XXXX for no reason!! TRANSUNION also could have been responsible for dropping my FICO score as well. What they are doing is illegal and unethical under FCRA!! there is no reason for this score drop I have paid all my bills on time and decreased the balances every month on my mortgage and credit card for over 3 years now including this month with no PROBLEMS. TRANSUNION is causing me pain suffering and emotional distress. I'm a XXXX XXXX and person and costing me hundreds of thousands of dollars in future loans due to their dropping my FICO and vantage scores!! OVERNIGHT arbitrarily and capriciously!!
Product: Debt collection

We have paid all our medical bills with XXXX XXXX XXXX, forcing us to close our Retirement accounts in an attempt to avoid a negative impact on our credit We call Central Financial control to dispute a medical bill. 
Despite the ruling by CFPB, Consumer never received a debt validation notice. 
We called to request a debt validation notice. 
According to the ruling against Central Financial Control, '' The company will pay {$100.00} to consumers who were never sent a debt validation notice and did not make any payments to the company.
Product: Money transfer, virtual currency, or money service

In XXXX  my Paypal account was permanently limited for unknown reasons. I had an open paypal credit account with them at the time so I kept it open to pay the account off. I have now paid off the account and pay pal will not remove my information from the site. I have three credit cards and two bank accounts linked to my paypal and they refuse to delete my financial information from their servers. I need my information removed
Product: Checking or savings account

Since XXXX or XXXX I have the checking account ending in XXXX. For the last 2 years - Ally bank has gone from worse to worst. 
No customer service associate available via chat or phone. 
Long wait time and very useless customer service. 
Check deposits are very unpredictable. 

Deposited a check of {$15000.00} via ally mobile app on XXXX XX/XX/XXXX at around XXXX. 
Till now there is no status on that check. I know it's next business day but it's too long a wait and something like Ally which is only online bank should be doing much better.