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

Greetings, To whom it may concern, i XXXX XXXX XXXX. the consumer come in good faith. I recently requested a copy of my consumer report as Im trying to purchase a home for my family and myself. It has came to my attention that on XX/XX/2021 and again on XX/XX/2021 American Financial Network Inc know as ( AFN ) unlawfully reporting an unauthorized inquiry on my consumer report without my permission, or without a permissible purpose by law ( AFN ) is in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). I have NOT given you permission to access my credit profile. You also do not have any permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C section 1028A. Let it be known that I the consumer have not initiated any transaction with American Financial Network inc, Furthermore, I do not have an account as defined under 15 U.S.C 1693a ( 2 ) with American Financial Network inc for review or collection. Pursuant to title 15 U.S.C 1681n ( a ), Any person who knowingly and willfully Obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my consumer report from XXXX XXXX XXXX. I let all three credit bureaus aware of the transaction not being mine and the bank accounts. However, this is prohibiting me form opening bank accounts and it was not my fault. I lost my drivers li9cne and passport last year and I think it is catching up to me now and it is not my fault. someone has my identity.
Product: Student loan

I attended XXXX XXXX XXXX XXXX in XXXX XXXX and XXXX, CA, from XX/XX/XXXX until I withdrew in XX/XX/XXXXXXXX  due to medical reasons. During my enrollment, I was misled about job placement opportunities and the quality of the program. The school provided false statistics regarding job prospects and failed to offer adequate assistance in finding stable employment. I was also under the impression that the program was well-accredited, only to learn later that it lacked the necessary accreditation to support my career goals. Furthermore, my major was removed while I was on leave, leaving me with no clear path to complete my studies. These misleading practices have contributed to my difficulty in repaying my federal student loans.
Product: Debt collection

IQ data contacted us via phone and mail regarding a debt we are currently disputing with a rental agency that grievously violated the lease so we vacated after trying to resolve the matter. 
We notified IQ through Certified Mail in XXXX that we were disputing the debt and per the Fair Debt Collections Act to only contact us via mail, not phone. They continued to call and harass us after the Certified Mail and have shown no proof of investigating the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed each credit bureau ( XXXX, XXXX, and Experian ) as well as the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX regarding inaccurate information reporting on my credit report. I requested validation of debt on XX/XX/2023 and XXXX XXXX XXXX did not validate the debt by providing the requested documentation, a XXXX letter was sent to the company for failure to validate on XX/XX/2023 and I received a response that they will not look into this any further. In addition to sending the company 's letters, the credit bureau stated it was accurate information but did not provide the method by which the information was obtained when it was requested on XX/XX/2023. I received a letter only from XXXX stating that took proper measures but never stated which methods as requested in the letter. All three credit bureaus are reporting different high balances on this account. As you are aware, there can only be one high balance on an account. This account has not been properly verified.
Product: Checking or savings account

With reference to Bank of America 's letter no. XXXX I made 2 deposits of {$250.00} each from my retirement account within 90 days of opening the account. The letter clearly states that deposits made from a retirement account qualify for the promotion. Bank of America is contending that the deposit was not made from a retirement account. The bank is even refusing to accept some sort of proof from me showing the deposits are from a retirement account. The letter entitles me for {$100.00} bonus.
Product: Credit reporting or other personal consumer reports

I am requesting an update to the payment history for XXXX accounts on my credit report that incorrectly show late payments. The accounts are : XXXX. XXXX XXXX XXXX XXXX. XXXX  XXXX These late payments are inaccurate. Please review and update the records to reflect accurate, on-time payment history. I have included supporting documents as proof.
Product: Bank account or service

I have several casino withdrawals from my account. As you can see in the attached statement, XXXX transactions for {$50.00} I was charged a {$35.00} fee for saying they 're fees for transactions received. 
Then XXXX {$50.00} item after that says NSF returned item fee for XXXX. So since the first XXXX said fees for items received, I concluded they were paid and I was just charged. Now these XXXX items are posting as retry payments when it was n't clear they were returned like the XXXX one stated. Wells Fargo also does n't show the balance with each transaction so you ca n't tell if your balance is negative or not, giving you the chance to deposit money to cover the balance. You also do n't know items were returned until the next day when you get notice. Again if the balance showed online, you would be able to see the balance was negative. The only thing they do is offer their services for overdraft protection, of course a sales tactic. I believe all of these banks count on the fees they can gouge from our accounts and they do n't work with their clients. Everyone I know in this world is struggling with this economy and we, the middle and lower class get screwed by banks with these fee gouging and lack of communication. Wells Fargo has the worst online site and their customer service is the worst. All they do is quote policy and do n't answer specific questions you ask. I have direct deposit every two weeks and manual deposits on the weeks in between the direct deposits so Wells Fargo knows money will be in my account. I also enjoy online casino gambling so money is deposited from this as well. They can see how much money goes in and out of my account. Even when I contact them through their online site to advise a deposit is going in the next day, they still say they ca n't help and I have to call. Everyone uses email as means of communication these days with our busy work schedules so why do they force you to call? Sorry, got off track of the issue. Not knowing these items were returned and going to be retried have caused problems with my balance available and will effect everything else coming in. Someone in this country must address these bank issues as they are killing our accounts with their outrageous fees. The items I 'm talking about are the recent items but it copied a whole statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaints on a item reported which was not a valid debt, the charges made to the card were for car repairs which were not authorized and did not resolve the issue of the check engine light being on. Additionally the credit card company XXXX XXXX XXXX continued to charge interest and late fees well after the account was charged off to a total of {$1000.00} in late fees and additional interest. The credit limit on the original card was {$2100.00} the total amount finally charged off as bad for the unauthorized charges and work on the car was {$3100.00}. Upon review I did not sign or authorize the use of my name on the credit application. XXXX XXXX  XXXX responded in writing to me and removed the information from XXXX. I am certain they also submitted the information to Equifax and to XXXX. Equifax is still reporting the incorrect information.
Product: Student loan

I have been making regular payments of ~ $ 180/month on 2 loans which were consolidated after I stopped going to college in XX/XX/XXXXand my forbearance ended in XX/XX/XXXX. The total loan amount for the 2 loans was XXXX in XX/XX/XXXXat 4.875 %. I have literally been paying for these loans for 16 years and they have NOT reduced in amount due. The loan was sold from XXXX XXXX to another company and from that company to yet another. I have since lost track of how many times this loan has been sold but it is now owned by Navient who just recently sent me new paperwork regarding a forbearance which I did not have on my loan. They have now " updated my payment plan '' which puts me right back at owing the original amount to pay off for another 16 years. This loan should have been paid off years ago. I know I am being scammed and my payments are literally being stolen at this point. I have no idea how to stop this from happening and I do not want to have to pay yet another 16 years of payments.
Product: Checking or savings account

regions bank went o close my account still havent refunded my money since our last dispute Regions bank just keeps charging me a fee not returning anything yes
Product: Money transfer, virtual currency, or money service

I have recently made a purchase online XX/XX/XXXX with a merchant and used PayPal to transmit funds. The payments have been held up because of a typographical error on my name as entered into my PayPal account. I was informed that I needed to upload a variety of documents to verify my identity which I have done. PayPal then informed me that once they receive the information they will allow my account to be updated and release the funds to the merchant. I have complied with all of their demands and they will not release the funds to the merchant. The amount is approximately {$7700.00}. I have contacted PayPal several times between XX/XX/XXXX and XX/XX/XXXX an PayPal will not discuss any aspects of the issue with me nor will they give me any updates on the issue. I need to file a formal complaint.
Product: Credit card or prepaid card

USC 1692 ( A ) abundant evident of abusive debt collection practices USC 1692e ( 10 ) use of any false representation or deceptive means. Your financial institution knowingly reported false personal credit information.

USC 1681 ( a ) ( 4 ) my right to privacy was negligently and willfully violated FURNISHING AN ACCOUNT THAT WAS CREATED FROM A CREDIT CARD OR SIMILAR DEVICE 15 USC 1681 ( A ] ( 2 ) ( B ] UNAUTHORIZED USED OF A CREDIT CARD WHEN THE USER DOES NOT HAVE IMPLIED AUTHORITY 15 USC 1602 ( P ) identity theft ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  acct # XXXX opened on XX/XX/XXXX, amount XXXX XXXX XXXX  act # XXXX opened on XX/XX/XXXX amount XXXXXXXX XXXX XXXX XXXX  Act # XXXX XXXX XXXX Act # XXXX XXXX  act # XXXXXXXX XXXX XXXX ACT # 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 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 under 15 USC 1681. 1XXXX # XXXX, has violated my rights. I looked at my credit report on XX/XX/24 and noticed some things are incomplete and not accurate. According to the fair 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 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( 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 1681 s-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 causes to believe that the information is inaccurate.
Product: Student loan

Navient is my loan service provider. I choose to make my payments every month myself as I work in the XXXX and believe that ACH debits create more headaches then actually help the consumer due to the number of fees I have seen them cause for this so called convenience. I have XXXX loans with Navient and I always pay a little more then is what is due. I contacted them on XXXX/XXXX/XXXX because I noticed that I was paid ahead and had been for sometime. I did some research on their site and noticed that any extra payments do not get applied to the principle of the loan they go to future payment. I emailed them and asked that my payments be reapplied to the principle instead of future payments and that going forward my payments be applied that way. Their response was that their platform does not allow that unless you are on auto pay. XXXX if all I feel as if I am being discriminated against because of the way I choose to make my payments. XXXX of all this could cause not only myself it any other people who want to pay this way to pay more in interest in the long run. For example a change in payment date could effect the total payed on the loan or if you were not paying attention and noticed you did n't owe anything on the statement and forgot to pay it you would have made that future payment for no reason. I believe that if thy are going to offer it for XXXX type of person making payments a certain way anyone making payments should have the same options. XXXX I believe they have probably profited from this practice unfairly charge people interest by not applying extra payments to the principle of the loan. Thank you for looking into this.
Product: Credit reporting

I submitted a dispute to Equifax for inquiries on my report. The response that I received was that I could contact the creditor if i believed it was in error or not authorized. Requesting them to assist me which would make it much easier than directly contacting these companies when you call these companies a lot of times the employees do not know and will refer you to the credit bureau.
Product: Money transfer, virtual currency, or money service

Paid someone XXXX dollars through PayPal as a deposit for a couch. Turned out to be a scam. They gave me a fake address and quit responding to me.
Product: Credit card or prepaid card

On XX/XX/2022 I accepted an offer from fifth third for a balance transfer to the XXXX card with a XXXX percent interest for XXXX months, due to a processing error fifth third is now refusing to honor the rate. 
In early XX/XX/2022 I had an issue with my autopay where it paid the balance on my fifth third twice, deducting the statement balance that I had already paid. This took a long time to resolve due to the unresponsiveness of the branch XXXX at that time, I subsequently stopped the auto pay on the XXXX card because of potential errors and slow response from fifth third. I paid off the balances prior to the transfers so there would be no interest or payment required for the remaining promotional period. 

On XX/XX/2022 I received a notice from fifth third for insufficient funds, stating an auto payment of the full balance on my XXXX card can not be processed because it would overdraw my account for over XXXX to pay a balance that wasnt due for another XXXX months. I immediately contacted fifth third and was told the payment would be stopped. the payment ended up showing as processed then reversed even though there were nowhere near enough funds in my checking account to cover the payment. 

After waiting over a week with no response and contacting fifth third again I was told by fifth third because the payment is perceived by their system as balance paid and new credit issued, they started to charge me interest on the balance transfer and theres no way to remedy the error and refused to honor the XXXX percent rate. 

It's absolutely ridiculous to consider the return credit as new credit issued, I received email communication which i have can forward to you on request form fifth third clearly stating the payment was not made. So how can the act of correcting an error be considered a payoff of existing balance and new credit taken out if there were no funds available complete the payment in the first place?
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00}
Product: Debt collection

I am writing to dispute the validity of the debt you claim I owe, I received your email indicating that I owe {$11000.00}, {$270.00} and {$710.00} by GENESIS CREDIT MANAGEMENT XXXX I believe there has been a mistake, as I have no record or knowledge of such a debt. I am confident that this matter can be resolved amicably and appreciate your prompt attention to this dispute. I expect a timely and accurate response from your agency.
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 ACCOUNT # XXXX, XXXX XXXX, XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT XXXX XXXX I looked at my Equifax 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 who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general 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 reinvestigation; and ( ii ) promptly notify the furnisher of 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, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( XXXX ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, AZ XXXX
Product: Debt collection

I received a voicemail from a processing office advising that a criminal complaint was being filed for fraud, attempt to de-fraud a bank, and giving false information. They also started theyd be calling my employer and my supervisor to tell them I defrauded a bank and gave false information all over a payday loan for {$250.00} that was discharged in my bankruptcy last month. I told them multiple times that I had listed this in my bankruptcy and they kept saying that payday loans are dischargable debts bc they arent approved based on credit, so therefore they arent dischargable. It was very stressful until I realized it was a debt collector. Whats worse is that they left the SAME message and 2 of my family members phones making it sound like I was in huge trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports. 

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is fraud.