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

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX {$44.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$610.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$16.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$940.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX & XXXX Original XXXX : XXXX XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX  XXXX XXXX  XXXX. 
XXXX XXXX XXXX, XXXX {$750.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX 
XXXX XX/XX/XXXX {$290.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

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

My admitted inaccurate data from XXXX keeps changing due to Metro 2 data entries which removed the remark Account closed at consumers request. The attached XXXX data pulled XX/XX/2023 at XXXX states : Account Information Changed. Remark code removed from XXXX account. Between XX/XX/2023 and XX/XX/2023, the following remark was removed from this account : Account closed at consumers request. Accounts changed from closed to open constitutes a prohibited example of lack of internal CRA and Furnisher controls to prevent Facially False Dara from being reported as clearly written recently by CFPB Director XXXX XXXX. As Senator XXXX XXXX would say : Are you kidding!!! My Account must be permanently reported as both Closed at consumers request AND Disputed. Permanently DELETE my account from every CRA as incompetence in entering Metro 2 will never be assured to be accurate and in compliance with the FCRA and Metro 2 requirement standards.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX In accordance with the Fair Credit Reporting Act congruent with Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written Instructions.
Product: Bank account or service

On XXXX/XXXX/2015, I purchased an XXXX & XXXX XXXX from an organization known as XXXX with an effective date of XXXX/XXXX/15. My monthly premium was supposed to be {$36.00} but when I received my receipt via email, I realized that I was charged a total of {$120.00} for down payment via American Express ending in XXXX. I contacted XXXX to cancel my policy on XXXX/XXXX/2015 but was told that I am unable to cancel because I should have cancelled it at least 2 days before the effective date of my policy. This cancellation policy was not disclosed with me before I bought the policy and the receipt I received does n't address how to cancel my policy. I talked to American Express to dispute the transaction but it appears nothing was done and all my documents have been rejected without any good explanation. I submitted my receipt and a copy of my policy which was requested for by American Express but I received the following email : Hi XXXX XXXX, We received your recent inquiry about the following transaction : Transaction DetailsDateXX/XX/2015Amount $ XXXXFrom/ToXXXX XXXX - XXXX XXXX, XXXXWe have completed our review and have determined that no credit is due. The transaction will remain on your account because : We have not received the requested information. Based on the information available to us we are unable to verify your claim and have closed our investigation. 
If you would like to receive a copy of the documents that we used while making our decision, please contact us at XXXX. 
Thanks, The American Express Serve TeamI contacted customer service on XXXX/XXXX/15 to reopen the dispute but was given the run around and was not allowed to speak with the dispute team. I believe American Express is treating me differently because of my national origin and need them to explain why my documents was rejected
Product: Checking or savings account

Chase Bank abruptly closed XXXX new checking accounts that I opened in XXXX. They blocked XXXX incoming deposits and then partially funded checks I wrote on the account and blocked others from going through. 

They blocked my on-line access and gave me no reason for the block. 

They blocked access to a credit card also issued by Chase and I have been unable to make payments. 

A payroll check was deposited, and I can not receive the funds from that payroll check. 

I do not see any justification for these actions. No transfer or other transaction was fraudulent and the lack of communication from the company is frustrating. 

This situation has existed for over XXXX  months and XXXX credit card payments have been missed.
Product: Credit reporting

Someone opened up a XXXX card in my name and I am being held reliable for this. I have disputed this identity theft numerous times and the credit reporting agencys just keep updating my report. I have made phone calls ... .written letters ... etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

the firm blocks online access to personal accounts of customers in order to prevent customers from disputing credit information on own reports. Also, the firm Experian created many phone numbers which do not lead customers to anybody or anything solving their concerns. It took me several days and dialing several different numbers to finally get a live person to answer. That person was XXXX who refused assistance, also refused to take my complaint, stating he did not see any matter which was required escalation. His supervisor XXXX also refused to assist, argued that all complaints only can be placed " internally '', the firm ' s policy not to address customer 's complaints. Outrageous! The call was placed by me today on XX/XX/2019 at about XXXX XXXX to number XXXX. Currently, I am locked out my online account and a written request for my annual report was ignored. This is a clear violation of federal laws.
Product: Debt collection

Credit Systems International has entered a debt into the credit reports without first contacting me and giving me a chance to look over the debt and verify it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

After a careful examination of my credit report, I have identified a significant discrepancy regarding the reporting of an account. Despite having made timely payments, my report erroneously reflects two late payments. It is crucial for consumer reporting agencies to maintain the highest level of accuracy in their reporting. I assure you that there have been no late payments on this account. For your reference and further investigation, I have attached a copy of my report highlighting the concerned period, specifically XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Also, the No Data reported on XX/XX/XXXX. I respectfully request a thorough investigation into this matter and ask for concrete evidence if any late payments are claimed. Should these late payments not be substantiated, I urge an immediate correction to reflect the payments as made on time. Your understanding and swift resolution of this issue would be greatly appreciated. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Transunion XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX I am writing to dispute inquires listed on my credit report that I believe is inaccurate and part of a data breach my information. The inquiries in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recall authorizing these inquires, I have no knowledge of my business dealings with, I have not applied for any credit or services from them, and I believe these inquires may be a result of identity theft or mistake. 
I request that you investigate this matter further and provide me with any information you have regarding the inquires. I also request that you removed these inquiries from my credit report as soon as possible, as it negatively affecting my credit score. 
Please provide me with any updates or resolutions to this dispute in writing at the address listed above. I appreciate the prompt attention to this matter and look forward to hearing from you soon. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written 2 letters to Experian ; 1 in XX/XX/XXXX & 1 in XX/XX/XXXX to have them remove numerous out dated accounts over 7yrs old still being reported and/or on my credit report, many incorrectly reported status of accounts that are not in collections and/or 7 yrs in state of NY expired alleged debt are still on there.
Product: Mortgage

I am a veteran and am currently in foreclosure. I had to quit my job as I was not able to get my XXXX due to medical reasons. I then moved to California to get assistance in obtaining employment. My income was now minimum wage, then my XXXX took a spin for the worse and now I am doing XXXX three times a week. I now have no income and now I am going to lose my home. I have not been offered any assistance in keeping my home.
Product: Checking or savings account

I paid a law firm XXXX XXXX XX/XX/XXXX amount of {$650.00}. The law firm was supposed to grant me a divorce by XX/XX/XXXX by publication. Communication was poor, publication ad never ran due to fact law practice did not turn in documentation to XXXX news paper. I called Chase XXXX Banking and filed a dispute. When I filed this dispute the employee did not educate me on getting my funds back instead they filed a dispute asked the questions & I provided answers. I checked my bank account today & saw that the credits were reversed. I contacted Chase JPMORGAN XXXX banking and they educated me on a 30 day clause.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Any information on my credit associated with these and other beforehand mentioned XXXX, are not mines and I have no knowledge of. I did not accept responsibility for them and have no ownership of them.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health.
Product: Checking or savings account

This customer ( XXXX ) purchased a coaching program from my company. We spent 6 weeks on coaching calls, delivered multiple worksheets, and performed work on their behalf. They purchased with agreement to our terms of service that we do not issue refunds after 30 days.

The 30 days had passed and the customer did a chargeback on my XXXX  account. XXXX  did an ACH overdraft on my bank account making it go negative and my bank. My bank ( ETRADE Financial ) is now charging me multiple service fees and has closed my savings account without my consent.

No one has been able to help me and I've already submitted a dispute case providing sufficient evidence of the program being delivered to a satisfactory quality.

I am completely unhappy about the way this has been handled and they are telling me it will take until XXXX to get this resolved. 

I would like this to be reviewed by your staff and I need additional help on this situation.
Product: Credit card

During an account migration conducted by Macy 's Retail Credit Card Services. I was unable to make my online payment for XXXX consecutive days. As a result, my pristine credit rating was impacted by what was recorded as a " late payment '' for the merchant 's inability to manage a service migration among its banking vendors. I notified Macy 's of the problem. I subsequently was read a " notice to collect a debt '' statement which never applies to me and never applies to my account with Macy 's. 
During the economic downturn, a sales associate at Macy 's opened an AmEx credit account under my name without me requesting it. This resulted in another line of credit which I did not authorize and never utilized.
Product: Debt collection

Several accounts on my credit report appear to be unauthorized. Kindly address this issue by removing them promptly.
Product: Credit reporting or other personal consumer reports

I sent a letter to Experian by certified mail on XXXX XXXX, a consumer dispute notice with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Checking or savings account

XX/XX/XXXX - Without any fraudulent activity whatsoever, or anything that could be perceived as such, Bank of the West " temporarily blocks '' my debit card without contacting me. 

I notice over the next few days transactions declining. I thought, that's weird, and I have the balance to cover, must be a problem with the bank. I used a credit card and moved on. After the 3rd time, I was really concerned and tried to call the bank. I sat on hold for over an hour in a business waiting to pay for my items. It was a waste of time, and an embarrassment. At this point I couldn't wait on hold anymore and had to just move on with my day. 

XX/XX/XXXX - 5 seperate calls to the bank. 3 to the customer service line totaling 6 hours on hold, 2 to the local bank, which is simply an automated " We are open from these hours to these hours '' and hangs up. I am extremely frustrated, and don't have any more time in my schedule to deal with this at the moment. The bank is refusing any attention to my problem. I still have not been able to access my funds since the XXXX. 

XX/XX/XXXX - Send a message through banking app requesting information, get a response telling me to call the Fraud Prevention Department. 

XX/XX/XXXX - I call Fraud Prevention Department number provided, they say that they have no record of my account at all and to contact customer service - the same people who told me to call the FPD. Attempt to call back the Customer Service Department, still waiting on hold. The customer service line has been " experiencing higher than anticipated call volume '' for over 10 days without customers being able to reach them at all. They do not care that my bills will be overdue because of their negligence. As of today, their website and mobile app are down in several ways ( cant check balances or access home equity line of credit services ) and there is nobody available via phones either. That means 0 % access to accounts for almost two weeks.
Product: Credit reporting or other personal consumer reports

I obtained a XXXX XXXX XXXX from Navient in XXXX. This was not a student loan! The loan was co-signed by my mother. 
I filed for XXXX XXXX XXXX XXXXXX/XX/XXXX listing Navient as a creditor. 
XXXX XXXX XXXX was XXXX XX/XX/XXXX listing the Navient account as XXXX. 
Navient continues to report the account as a student loan and has reported the loan pass due since XX/XX/XXXX with a charge off on XX/XX/XXXX. 
I am in the process of filing a motion with the XXXX XXXXXXXX for contempt of court. 
Disputes with the credit bureaus come back as certified by Navient. 
Navients actions have adversely affected my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Federal Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account nameS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AMSHER COLLECTION SERVICES I looked at my XXXX credit report on XXXX XXXX 2024 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 general, 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.

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: Vehicle loan or lease

I leased a XXXX XXXX XXXX XXXX pick up truck from XXXX XXXX in XXXX, NJ. At XXXX miles some computer glitch happened with the transmission. XXXX/XXXX/17 the PCM blew causing the vehicle not to run safely and XXXX XXXX in XXXX XXXX replaced the PCM.
XXXX/XXXX/17 my trucks was not driving safely. Issues were that the vehicle would accelerate by itself, brakes would not work, except the emergency brake. Once " E '' brake was applied the truck turned off. Since this date, XXXX XXXX has continued to try and fix my truck which they have been unsuccessful with.
I HAVE A LOT OF PAPERWORK, CAN I MAIL IT TO YOU??
Lender will not help me or get involved. Or accept a hardship letter.
Please call my cell : XXXX XXXX
Product: Student loan

On XX/XX/2018 I received a call from Navient stating I had a past due amount of {$200.00} and I could set up an auto pay that would bring the loan current and cover my XXXX payment making my next payment at the end of XXXX. I made the payment the next week and thought I set up auto pay and would be fine. Today, XX/XX/2018 I receive another call from Navient saying I am {$400.00} past due and asking for a payment. I explain the situation to the gentleman that called and he immediately starts telling me I have no idea what I'm talking about and he does, I am wrong and he is right. He was very combative with no provocation. I again tried to explain the situation to no avail and asked for a manager. The lady I spoke with was very nice and explained that the payment was incorrectly applied and I was not entered into the auto pay program and that I still owed {$200.00} at minimum. She said that it was my fault my payment was not correctly processed and that I would have to try to set it up again. I have done everything I can to take care of this loan and Navient makes it harder and harder every time I speak to them.
Product: Credit reporting or other personal consumer reports

I just found out today that there are inquiries in my credit report that I don't recognize which is very alarming. I never gave these companies permission/authorization to access or pull up my credit report and having done applications under my name, which is a blatant violation of my rights as a consumer. This is really worrisome and making me anxious it's taking a toll on my mental health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX XXXX Amount XXXX DateXX/XX/XXXX
Product: Debt collection

MID VALLEY COLLECTIONS FILED A CLIAM OUT OF VENUE DUE TO BEING CAUGHT BY XXXX XXXX OF XXXX COURTS ON XXXX XXXX SEPERATES ATTEMPS BECAUSE OF CASES I FILED IN HIS COURT ROOM HE KNEW MY WORK SHCEDULE AND THEM TO PROERLY SERVE ME AND THEN COM XXXX BACK INSTED THEY FALSELY FILED IN XXXX WHICH LEGALY OUT OF VENUE CLIAMING THEY SERVE ME ON THE XXXX OF XXXX  THIS WAS A CREDIT CARD OF XXXX XXXX WHOM WENT OUT OF BUSINEES AND LEFT ME NO WHERE TO PAY THE ORIGNAL AMOUNT WAS XXXX THEY PLACED XXXX ON MY HOME AND TOOK XXXX NEED HELP TO RETREVE XXXX Back I am care provider for my disable daughter on fix income and suffering