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

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Checking or savings account

I previously opened an installment loan with Sofi ; that was paid off. Sofi then proceeded to add an investment and checking account to my profile.I did not ask for these accounts. As a result, my tax filings are much more complicated. My accountant is charging me a higher amount of money to complete filings. 

I need Sofi to close these accounts and reimburse me for the extra costs I have incurred for accounts I did NOT authorize to be opened. 

CLOSE my accounts. I am DONE with my business with you and I was DONE when I paid off my loan!
Product: Debt collection

I was sent a bill thats is fraudulent.I have not received any bills from XXXX that I havent paid.
Product: Credit card or prepaid card

In accordance with the fair credit Reporting Act Bank of America has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.
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 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 XXXX  Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$16000.00}
Product: Credit reporting or other personal consumer reports

In or around the year XXXX XXXX- XXXX XXXX The Consumers Consumer Report began to reflect the hard inquiry from the Corporation at question that is NAVY FEDERAL CREDIT UNION and XXXX XXXX that does infringe on The Consumers right to privacy- On XX/XX/XXXX of the year XXXX XXXX- XXXX XXXX- The Consumer did opt out of any presumed or implied authorization for NAVY FEDERAL CREDIT UNION and XXXX XXXX to share or furnish any NONPUBLIC INFORMATION- and did give notice to NAVY FEDERAL CREDIT UNION and XXXX XXXX  in regards to their willful noncompliance committed in regards to The Consumer 's rights and the violations thereof-
Product: Credit card

This is a pretty straight forward complaint. I believe that my credit card statement incorrectly lists interest charged on my purchases as a fee. I called the credit card company to inform them of the possible mistake but they informed me that there is nothing they could do to correct it. If this is incorrect, I believe the credit card company should correct their mistake. Though the amount is small on my statement, the amount could be larger for other customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX
Product: Checking or savings account

Please check the complaint with id XXXX and XXXX first then check this. 

The company responded to the first complaint with their Check Fund Availability policy. In the second complaint I mentioned that I lost my money due to the lack of knowledge of this. Why lack of knowledge? Because this is the first time I see this policy! I gave the check to the employee in the branch, she said nothing regarding it. Also, when I opened my account no one mentioned anything regarding this policy and it's not written in the documents the bank gave me/made me sign. 

Furthermore, when I deposited the check, they sent an alert saying that they will further check the check funds for one more day and I waited for that day. The next day the funds where there with NO SINGLE ALERT! This is why I dealt with the money like it's fully deposited to my account. After I used the money and sent it by XXXX to a third scamming party, the bank retook the money of the check! 

I hope the company will update their policies and stop replying to my complaints without even reading it. For now, I need my money back. 

Best
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account Number:XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records

: 1. Date of First Delinquency The first date that the account became delinquent. 2. Date of Last Payment The most recent payment made on the account. 3. Date of Charge-Off The date the account was charged off.

4. A copy of the 1099C showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request.

Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : [ Account XXXX NUMBER : XXXX [ Account 2 : XXXX XXXX : XXXX [ Account 3 : XXXX XXXX : XXXX { Account 4 : XXXX XXXX : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

I request that the following actions be taken immediately : Investigation of the mentioned violations.

Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Product: Student loan

Navient ( when they were XXXX XXXX ) tried to send me to collections while I was attending school full time, and when I graduated, they immediately sent me to collections without mailing me any info about repayment.
Product: Vehicle loan or lease

We have been making payments for 5 years on this car to First Investors Financial Services. The last few months I noticed that when I made a payment, the payoff amount was not going down at all or very little. I have not heard from them in years but all of a sudden when I am almost paid off, they now say I am a month behind on my payments. Outside of deferring a payment to the end, I have made a payment every month for 5 years. On their own website, it NEVER shows that I owe more than the monthly payment. Also, they have not called me about any payments owed or past due for several years until now. I called them and the first person said it was my XXXX payment, which was made over a week prior to me calling. Then when I said I made that payment, she changed her story and said it was for XXXX. I paid my XXXX payment on the XXXX of XXXX ( due XX/XX/XXXX ). I got no where with her so I asked to be transferred to a manager. This person said at first it was for XXXX and would not listen at all. He just kept saying the same thing over and over that I was late on a payment despite making every payment. Also, it is important to note that earlier in 2024, my account on their website says my last payment was XX/XX/XXXX, around XXXX it changed to XX/XX/XXXX and now it says XXXX. Also, the website did not show anything past due until after our phone call, now it shows past due. Their system is jacked up, they are lying about what is due and I want someone to look at the entire pay history and account history to show what is really due, if anything, and for them to make this right. The way I have been treated and the wording used along with their website has all the signs of being scammed for either more payments or an excuse to pick up the vehicle and resell for more money. I would also like to share this with as many people I know and can contact to know hwo they really are.
Product: Checking or savings account

I dropped my debt card and someone stole it on XX/XX/year>. XXXX unauthorized atm withdrawals were conducted on my chime bank account. The first occurred on XX/XX/XXXX for XXXX and the second occurred on XXXX. In addition, an unauthorized transaction in the amount of XXXX was conducted on XX/XX/year>. In responses to the theft, I filed a claim with Chime for the fraudulent charge and ATM withdrawals. Chime denied my claim.
Product: Credit card

XXXX was taken from my checking account by vystars credit Union to pay a credit card from them which I am behind XXXX plus days, with out my authorization, and possibly leading to in sufficient funds charge also, they call it off set payment made by a bot, automated system.
Product: Debt collection

i demanded, copies of contracts I signed and all records related to the debt. I have received none.
Product: Credit reporting or other personal consumer reports

I am challenging these accounts and requesting an investigation, as they have been incorrectly reported on my credit file. Under the Fair Credit Report Act, I should receive {$1000.00} for each erroneous report. FCRA 605B obliges us to notify about any incorrect accounts reported on a consumer 's file.
Product: Debt collection

I am submitting this complaint independently, without any involvement from a third party. Attached is a letter detailing the items reflected on my credit report. I have never had a contractual relationship with PORTFOLIO RC. I believe the original creditor, XXXXXXXX XXXX sold my account without proper notification, which is a clear violation of Section 611 of the Fair Credit Reporting Act ( FCRA ) concerning the reporting of inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a secured card with XXXX  XXXX XXXX XXXX, and i had the account for 3 months, i have paid on time and over the amount due which the XX/XX/XXXXpayment was initially two payments. My monthly payments are {$15.00} i paid {$180.00} on the XXXX  of XXXX. My payments are due on the XX/XX/XXXX of the month and the statements print on the XX/XX/XXXX of each month which means i am not 30 days past due. The reported 30-59 days past due to the credit bureaus dropping my credit score over 40 points. I am in the process of buying a home for my family and this is a major issue for me right now.

As you can see the attachments are photos of how they are reporting the information to my credit file. The minimum payment is still {$15.00} if i was late 30-59 days it would be more, also the status says current. how could be current when i am 30-59 days late. 


XXXX XXXX XXXX XXXX- I am also submitting an investigation for XXXX XXXX XXXX  you will see the actual screenshots of the late payments they came i have 90 days in XX/XX/XXXX, 90 days in XX/XX/XXXX and 90 days in XX/XX/XXXX. How can i be late on any of my student loan accounts when the prior months are on time not late. There are 10 XXXX  XXXX   XXXX   accounts listed on my credit report that are reporting 90 days late but neither of the prior months are late according to the credit report.
Product: Checking or savings account

While I was out of the country. Dates when I went to XXXX XXXX. I noticed many unauthorized transactions occurring on my checking acct. There transaction also occurring at different locations ( XXXX XXXX XXXXXXXX ) which I was not is those locations. I called my bank immediately and filed the fraud claims. During my stay in XXXX, I received an email stating that the found no error on those transactions and closed my claim. Once I was back in the XXXX. I called my bank to figure out what happened to my claim and they simply said after the investigation, we have reviewed and find that there was no error made or see any suspicious transactions on your account. Claim has been closed. They say theres nothing further they can do. Perhaps try reaching out to the merchants and file a claim with them. PLEASE HELP ME PLEASE!!! I really need my money. Thank for your help in advance! 
Below are the amount and dates for all the unauthorized transactions : XXXX XXXX XXXX 
XXXX. {$140.00} XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX {$83.00} XXXX XXXX XXXXXXXX XXXX. {$110.00} XXXX XXXX XXXX. 
XXXX. {$96.00} XXXX XXXX XXXXXXXX XXXX XXXX {$73.00} XXXX XXXX XXXX XXXX 
XXXX. {$11.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXX {$67.00} XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX {$41.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILE A FTC REPORT AND REQUESTED THAT THEY BLOCK THESE ITEM AND DELETE THEM THEY TOOK OVER 45 DAYS WHICH IT SHOULD BE 4 BUSSINESS DAY ONCE THEY RECIEVE THE ITEM AND THEN MAKE THERE DECISION I ALSO SENT LETTER TO THE CREDITORS AND THEY ALSO SENT ME NOTHING BACK
Product: Credit card or prepaid card

On XX/XX/XXXX I had got a bunch of fraudulent charges on this account. The following are the dates and the amounts : XX/XX/XXXX - {$73.00} XX/XX/XXXX - {$11.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$26.00} XX/XX/XXXX - {$46.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$29.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX - {$6.00} XX/XX/XXXX - {$4.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$24.00} XX/XX/XXXX - {$60.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$42.00} XX/XX/XXXX - {$32.00} XX/XX/XXXX - {$69.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$93.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$47.00} XX/XX/XXXX - {$60.00} I filed a dispute with American Express for these charges and went back and forth through multiple phone calls and faxed in declaration of fraud they requested. After numerous follow ups, they were not able to provide me with any information after stating that they would provide provisional credit while the investigated the claim. 

I never got any provisional credit and never got any calls back. Every time I would contact American Express they would not give me a definite answer and just kept going in circles. 

Finally they sent me a claim denial and would not provide a reason. Instead they said I needed to request in writing for a copy of reason used to come to this conclusion. I sent them a written request and got a response back that they did not have any information to provide. 

I have gone in circles and my fraud claim remains unresolved without any reason.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXX This is a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. According to the FCRA 15 USC 1681a ( 2 ) A ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance reported or not. 
XXXX XXXX XXXX XXXXXXXX Late 60 days XX/XX/XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protections laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected copy of my report. 
I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your investigation. I also read that under federal law, you have 30 days to complete your investigation. If you can not correct this information, under the FCRA 15 USC 1611, Whoever willfully and knowingly ( 1 ) 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, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

Please send an updated copy of my credit report to the above address. Or this will be taken to Federal Court. 
Thank you for your time and help in this matter.
Product: Debt collection

XXXX XXXX Virginia is stating that I owe them {$540.00} concerning a set top box and a remote control that was not returned. I physically return both units to the XXXX location in XXXX, Virginia. This debt has been re-aged and documentation dated back that far is not available. I would like this item to be removed and deleted from all three credit-reporting bureaus. On XXXX XXXX, 2017, a credit alert was forwarded to my credit monitoring account stating the following : Your FICO Score has decreased by 31 points. XXXX XXXX has flagged your account as Collections. Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency. These type of accounts may negatively impact your Credit Scores.
The following account was removed from my credit report previously, but has reappeared after it`s been sold to another collection company. This activity has affected my credit score by a decrease of 31 points, while I`m currently in the process of obtaining a mortgage.
I would like this item remove from all 3 credit-reporting bureaus and my credit score restored to my previous score. A thirty one point drop is very excessive for one collection account. Thanks for your time, support and understanding XXXX XXXX XXXX
Product: Vehicle loan or lease

We leased a new vehicle from XXXX XXXX  XXXX through american honda finance on XX/XX/XXXX. We turned back in our previous XXXX XXXX for a new one. The dealer advised that the excess mileage fee would be waived if we leased another vehicle. I looked at the account on line and saw a charge in the amount of {$440.00} which was comprised of {$410.00} for excess miles and an additional {$29.00} for the taxes on that mileage fee. We called XXXX on XX/XX/XXXX to discuss and they advised it was due and would not be waived. We advised we have purchased many vehicles through them and also that the dealer advised it would be waived based upon our new lease. We were placed on hold then advised by the rep that we did qualify for a waiver of half the fee due to our new purchase. If so why were we billed for the full amount? I would like the balance of the fee to be waived based upon what we were advised by the dealer as well as our continued relationship with purchasing through XXXX.