23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally profected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the credit bureau XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX  XXXX Account number XXXX XXXX. XXXX XXXX  XXXX Account number XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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: Student loan

Navient refuses to contact me via any method other than phone. They are changing my payment amount without notice and apparently arbitrarily. I'm being asked for over {$3000.00} a month in payments. I continue to make payments every month for many years and they still demand more money and report incorrect information to the credit bureau ( because they arbitrarily change payment amounts ). I continue to contact them every month to try and resolve this issue : they absolutely refuse to do anything but tell me to call them on the telephone. I don't want a verbal conversation where there will be dispute about what was said : I want a written record of promises made by the company. Every single time I contact them the response is the same : you have to call us, no exceptions.
Product: Mortgage

I received notice I am in default of my mortgage for non payment from XXXX XXXX of 2022. However, the company sent me proof they have received my payments and put them in unapplied. I have paid every month.
Product: Bank account or service

XXXX PRESENTED ME WITH A BILL FOR {$2500.00} THAT WAS NOT RESERVED NOR AGREED BY XXXX TELEPHONE RESERVATIONS. WHEN THE ON SITE EMPLOYEE, PRESENTED THIS FRAUDULENT BILL TO MY ALLY BANK ( WITH INFORMATION ACCT # S, ETC.FROM A PREVIOUS RENTAL WITHOUT MY CARD OR BANK ACCOUNT NUMBER ON THIS RENTAL MY BANK DEBITED MY ACCOUNT WITHOUT MY KNOWLEDGE AND SEIZED MY FEDERAL MONEY. UPON XXXX XXXX, XXXX, XXXX, XXXX, THEY FAILED THEN XXXX PRESENTED FAKE, CREATED, FRAUDULENT BILLS TO ALLY BANK WITHOUT MY PRIOR APPROVAL.ALLY BANK ACCEPTED THESE BILLS AS REAL AND LAST WEEK AFTER RECEIVING MORE FAKE BILLS WITH OUT MY PROOF OF FRAUD ALLEY DEBITED MY DIRECT DEPOSIT SOCIAL SECURITY MONIES, ACCOUNT TO OVERDRAFTS AND WILL AGAIN SEIZE MY SOCIAL SECURITY DIRECT DEPOSIT TONIGHT AFTER PROHIBITING THEM FROM DOING SO. THIS IS MY FEDERAL MONEY AND ALLY HAS BEEN WARNED NOT TO TAKE MY XXXX XXXX MONEY AGAIN. CAN YOU STOP THEM SINCE I CANCELLED MY ACCOUNT WITH THEM?
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : Fair Collections {$6200.00} opened on XXXX XXXX, Account name : XXXX {$1400.00} opened on XXXX Account name : XXXX XXXX XXXX XXXX opened on XXXX, has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed 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 generally, 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.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the unresolved dispute I submitted to Experian on XX/XX/2023, XX/XX/2023 and then again on XX/XX/2023 AND also through this portal XX/XX/2023. 

I provided a detailed dispute letter, requesting the removal of inaccurate addresses from my credit report. Despite the XXXX window specified by the Fair Credit Reporting Act ( FCRA ) for investigating and addressing disputes, I have not received any communication or resolution from Experian for any of the requests, merely a dispute results can not be viewed online through the website and the inaccurate addresses remain on my report. 

My dispute letter submitted XXXX XXXX previously included essential information, such as my name, current address, the disputed addresses, and an explanation of the inaccuracies I identified. The FCRA, which governs credit reporting agencies like Experian, stipulates in Section 611 ( a ) ( 1 ) ( A ) that upon receiving a dispute, the credit reporting agency must conduct a reasonable reinvestigation to determine the accuracy of the disputed information. Additionally, Section 611 ( a ) ( 8 ) of the FCRA mandates that consumers are entitled to a response within 30 days after the agency receives the dispute. I kindly request that you promptly investigate the inaccuracies and address this matter as required by law. 

The other CRAs are not reporting these addresses! Experian says data furnishers are providing the information- which they have yet to show what methods they used to get this info and from who. 

I also request that Experian remove the disputed addresses from my credit report ASAP as this has already been MONTHS. Failure to do so would not only be a violation of the FCRA but also severely impact my financial standing. Inaccurate Address : XXXX XXXX XXXX XXXXXXXX, NJ XXXX Inaccurate Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX have relied on the accuracy of my credit report for various financial and personal transactions, and this error has caused undue distress and concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Checking or savings account

0n XX/XX/XXXX I submitted direct deposit information for a savings account opened ending in XXXX. Navy federal  closed the account within XXXX  days of opening and never informed me. My direct deposit from my job posted on XX/XX/XXXX. Navy federal rerouted it to a formal savings account that they added a temporary reversal to which originally came from a checking account in which they closed before I could even attempt to pay back. I have set up payment arrangements from another savings account ending in XXXX on XX/XX/XXXX for repayment. I have asked them to add the balance to the original charge off balance as it came from that account. I contact navy federal on XX/XX/XXXX to ask about the account ending in XXXX when it hadnt appeared anymore and they informed me that it was closed due to liability for navy federal. I explained that I already set up payment arrangement on charged off account and that the negative balance in my savings should have been included with the charge off being that it originally came from the checking account. They never mentioned that my direct deposit would be rerouted to the formal savings account.
Product: Prepaid card

Opened an account with card.com. Received the debit visa Tuesday tried to activate it had issues. Called support services for card.com rep said to send an email to XXXX XXXX XXXX so I did with supporting documents. 

Received an email saying the account was reinstated and I could use my debit card then a email 5 minutes later was received saying the account was closed.

Called support and they said I requested to have the account closed when I didnt. The account was closed Tuesday and said my funds would be mailed to me 7 to 10 business days.

Called to check on status funds are still in the account I cant access them. The rep I talked today said it will be XXXX business days for the whole process. 

I have no gas for work or groceries and this is putting me in a really bad spot right now. They have no other solution.
Product: Credit reporting, credit repair services, 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 items ( A ). It is not permitted to report these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received the results of a dispute I had put in with experian credit reporting agency. The most recent report number is XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX ... ..XXXX ... ..and tXXXX XXXX XXXX XXXX do not belong on my credit report. I have uploaded proof that XXXX had done there investigation and it was confirmed to remove these accounts off my credit report. However experian I feel is not doing a proper investigation because they would have received the same information to remove these account that do not belong on there off my experian credit report. Having this wrong information reporting on my experian credit report is causing me a hardship. I have been disputing these accounts for over 6 months now and experian will not remove them. I am submitting this complaint about experian because they are not correcting and deleting these accounts off my credit report. I also tried to re-dispute these accounts again online and experian will not allow me to do so. This is my right to have correct information reporting on my credit report.
Product: Credit reporting

This company continues to report incorrect information that has been discharge and can no longer report on my credit file. I have attached supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my 3 credit bureaus ( XXXX, Experian, XXXX ) and found many unauthorized inquiries that I did not recognize. I am trying to close on a home and the creditors that made the unauthorized inquiries refuse to either investigate or remove them. Please help. This is destroying my credit.
Product: Checking or savings account

I am a XXXX year old person on Social security and my checking account had low funds and when withdrawals were coming in and the bank paid they charged me {$36.00} per item. My complaint is two fold ... .a wrongful withdrawal of {$150.00} was withdrawn I called the creditor and corrected the situation because I had paid them some time ago and loan had been closed. The bank charged me {$36.00} again. The creditor refunded the money but not the bank as of this time. 
2 ... I currently owe {$310.00}. In bank fees. 
I am returning items to get credits to increase my account but if n no way will that pay off {$310.00}. 
{$36.00} fee is exorbitant!!!!!. There's no way the bank should be! making a profit off of myback. 
They will not waive any fees. 
This fee amount is so unfair to any customer and in this time of covid they have only hurt my life.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

TransUnion : [ SECURITY CREDIT SERVICES ] ACCOUNT XXXX ] In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX HAS VIOLATED MY XXXX U.S.C XXXX SECTION XXXX A, STATES I HAVE THE RIGHT TOP PRIVACY 15 U, S, C 1681 SECTION XXXX A, SECTION XXXX : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. I NO HAV CONTRACT WITH XXXX XXXX XXXX XXXX  CFPB. XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

UCS/Spring EQ LLC ran my credit/Performed a hard credit inquiry on XXXX. I was in communication with this lender asking for loan rates. During our communication, they indicated that they will only perform a soft pull and it will not have any impact on my credit score. Yet, they ran a credit with any explicit authorization or me starting/submitting a loan application.
Product: Checking or savings account

XXXX my chime account was close. Everytime I called they would tell me there was nothing they could tell me about my account. Ive been trying since XXXX to find out reason my account was closed. XXXX I called and threaten to report to yall of this then all they could tell me was my account close because of negative XXXX. I ask what about the money that I was getting back from refunds they said it was sent back to sender. I just want my money and they can close the account. Thanks
Product: Student loan

According to the NSLDS data provided by the Department of Education, I took out my first student loan in XX/XX/XXXX for {$350.00}. I took out my second student loan in XX/XX/XXXX for {$550.00}. And then in XX/XX/XXXX, I took out an {$11000.00} consolidation loan. There is no identifying information about that loan. There is no school listed. And I was not attending school in XX/XX/XXXX ( to my recollection ). Most of the other loans listed have a school code and identifying information. This one does not. And the two prior loans for a total of {$900.00} do not add up to an {$11000.00} consolidation loan. In the last complaint, you sent me original loan documents from XX/XX/XXXX. Please provide the original loan documentation for this consolidation loan from XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/year> was transferring money due to it being my birthday and people sending me money. I was sending a friend money to purchase something for me but sent it to the wrong number due to them changing numbers and typing it in wrong. I sent the money out to a stranger and couldnt get it back. 
I sent money money last year on XX/XX/XXXX to a person named XXXX and it was delayed multiple times so the person thought I lied about it and it caused a domestic XXXX incident where the police had to be involved then later the next day the money was taken from my account even though I was told by a chase employee it wouldnt be sent due to me asking them to cancel the transaction which was around {$250.00}. After it was taken another employee told me there was nothing that could be done
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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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

These inquiries are unauthorized : 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 mailed a dispute to Equifax on XXXX XXXX requesting an investigation and removal of a charged-off XXXX XXXX Account ending in XXXX, I have yet the results. Equifax has failed to comply with the FRCA 30 day requirements and as such I request the account be removed immediately from my tradeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and I have provided supporting documents for verification.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened with XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened with XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal credit card opened with Together XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan opened with XXXX XXXX XXXX on XX/XX/XXXX XXXX account number XXXX. and a collection account opened with XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX. I also noticed a fraudulent inquiry appearing on my consumer XXXX credit report named PERSONIFY. I do not recognize the aforementioned accounts, collection, or hard inquiry as reported. The aforementioned accounts, collection, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, the collection, and hard inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ( XXXX and XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, the collection, and hard inquiry are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I currently have an account with Regions XXXXEnerbank at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. In XX/XX/XXXX I did not receive my XXXX statement, then in XXXX when I received my statement it stated : statement date XX/XX/XXXX, and payment due date XX/XX/XXXX, making the payment due date before the statement date, this has been the issues since XXXX of XXXX. Before the problem occurred, I only had one late payment from XXXX, XXXX to XX/XX/XXXX. I had several conversations with Enerbank employees concerning the issue with no resolution. In XXXX I filed a complaint with The XXXX  case # XXXX and in XX/XX/XXXX my statements were corrected to Statement date XX/XX/XXXX, and Payment Due date XX/XX/XXXX. Then again in XXXX my statements were incorrect with the statement date being XXXX, XXXX and payment due date XX/XX/XXXX. Since the change in the statement date and payment due date I have incurred multiple late fees. According to their contract if my payment is due XX/XX/XXXX I have a ten-day grace period, I should not be charge any late fees until XX/XX/XXXX, however if my payment due date is XX/XX/XXXX my payment is due XX/XX/XXXX and adding the grace period my payment would be XX/XX/XXXX shorting me of 10 days for my payment to be on time which might contribute to the late fees added to my account
Product: Checking or savings account

CITIZENS BANK send false 1099-int report to IRS claiming it paid me {$300.00} bonus. It did not. see attached documents.