23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Discover card has false advertisement for their terms and conditions for one of their credit card benefits. The benefit currently that has false advertisement, or better said, fraudulent information is their Price Protection benefit. As a consumer, I am under the impression the information presented on their website will be update to date and provide the latest terms and policy for any and all terms and conditions. When I call, I was informed the price protection did not cover blu-rays and/or dvds as of XXXX XXXX, 2016 ; however, as of XXXX XXXX, 2016 the terms and conditions a consumer has to good by do not reflect this information. I can present a printed documentation of the online terms and conditions as of XXXX XXXX, 2016. This has caused me to have monetary loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

CarMax Auto Finance Account # XXXX placed a derogatory mark on my credit report via XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors did not verify this collection. Also, there is no written form of communication, contract, or signature for the accused debt. A document without a signature does not validate debt. According to FCRA, CarMax has violated my rights as a consumer and I am requesting legal action to remove/delete the account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a credit freeze with Experian following their data breach several months ago, and received a security pin that I was told to keep secure and to use when unfreezing my credit. 

Today, I called Experian to unfreeze my credit. An automated system asked for my social security number, the numerical digits of my address, and a cell phone number where they could send a PIN. 

After entering the pin, I was sent to an associate who immediately unfroze my credit. No additional security questions asked : no security pin, no security questions, no verification of my identity ; nothing. This is a clear breach. 

The implication is that because of a clear lack of necessary controls, anyone could unfreeze my credit at any time, so long as they know my social security number and address. Unfortunately, due to the XXXX breach, I now consider this information " public '' information. 

This is extraordinarily dangerous and Experian should not be trusted to securely protect consumers from fraud or identity theft that they themselves enabled to begin with.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Company, XXXX, will not stop calling 10-12 calls a day, all from different phone numbers. Claim a debt that I dont owe. Claim to be attorneys, which they are not. Harassing and threatening behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of Inquiry XX/XX/2020 XXXX  Date of Inquiry XX/XX/2020
Product: Debt collection

There is another attempt to collect a debt that I do not owe, which has resulted in a breach of contract services and/or interruption of service since XXXX XXXX, 2016. Contracts indicate that anytime when there is an interruption in services the contract is extended by same time frame that the services are interrupted. All bills have been carefully reviewed and no additional funds are required as there has been no service rendered and the specific request are for an early termination fee that the consumer did not consent to her services being interrupted or terminated.
Product: Debt collection

On XX/XX/XXXX I received a call from Commenity at XXXX XXXX
Product: Mortgage

My loan with XXXX, XXXX XXXX, VA and includes PMI but as I have paid more than the amount required to drop the charge and the mortgage statement says the charge will be dropped automatically it has not. I have called XXXX XXXX to discuss but can never get a person to answer. At the prompt have left a voice mail to have someone call me back, no one does. Last call was made to them XX/XX/XXXX. I have also written to them, letter dated XX/XX/XXXX and no response.
Product: Debt collection

I noticed on my credit report that there is a debt collection from Jefferson Capital that is NOT mine. This debt is not mine. Please delete it.
Product: Prepaid card

Hello I have a payment from XXXX XXXX rental assistance around XXXX those funds were however stolen and I have submitted a dispute for this. I have been trying to get this account closed and a check mailed out to me but this copy refuses to accept my identity documents after I have sent them over and over. They request I reach out to XXXX XXXX but however I have reached out to XXXX XXXX and they are reporting back to money network. I need my remaining balance thats in the account which is the original amount deposited.
Product: Mortgage

I was denied a mortgage loan the day of closing with no explanation by Navy Federal in XXXX of 2021 and I believe it was due to the algorithm rigged against my XXXX XXXX  ethnicity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I was applying for a mortgage loan. When I pulled my credit report I saw there was an error reported by XXXX XXXX credit card. XXXX XXXX reported a " Late Payment '' on all three major credit reporting agencies that cause my scores to drop more than XXXX points from XXXX down to XXXX. 
I contacted XXXX XXXX consumer department to find out what happened with the error in reporting. I spoke with a customer representative name XXXX. 
XXXX told me that the late payment was reported due to the fact that they billed me for annual membership fee. However, XXXX XXXX admitted that they never notify me nor send out any statement billing to allow me to pay for that fee. 
I paid for the fee ( payment confirmation # XXXX ) to keep my account status open. In addition, I complaint to XXXX about the reporting errors with the credit reporting agencies. XXXX went on to apologize for that error and told me that he went ahead and sent an update to the XXXX major credit reporting agencies to " remove '' the late payment status. 
However, I just recently order a new credit report to find out if the errors have been remove but those errors are still reporting as 30 days late. I have a recording of our conversation with XXXX from XXXX XXXX.
Product: Checking or savings account

Fraud detected XX/XX/year> stating the account would be closed, with all funds held for 15 days. It is now XX/XX/year> and I have not received my funds. I have accrued three months of late fees, finance charges etc and have had zero access to this account since XX/XX/year>.
Product: Debt collection

XXXX Received a call from Wakefield and Associates attempting to collect a debt that had been paid by me to the 1st party. Said that not paying this bill would adversely affect my credit. I asked for the name of the companies that said I owed and they listed a company I had already paid. I called that company and they said I had a XXXX balance owed and they do not do business with Wakefield and Associates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this item twice this year, experian continues to update the dispute as accurate not making any changes. I tried to contact the creditor at the the phone number and address listed on my credit report as contact information for XXXX XXXX. The address in in accurate, the phone number when answered is 1st Franklin -- told by 1st Franklin that they purchased XXXX XXXX and that they have no information in their system in reference to me, that the account was paid and never late when no longer in their system. 
I pay for credit monitoring thru XXXX and have called XXXX and called XXXX  and they continue to ignore this situation. XXXX is not complying with federal law, they have no proof of the account only a statement, they do not provide me with accurate information to contact the creditor, etc. 
Credit Report # XXXX Account NameXXXX XXXX XXXX # XXXX Account NumberXXX Account TypeNote Loan ResponsibilityIndividual Date OpenedXXXX StatusClosed. {$450.00} written off. 
Status UpdatedXXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$65.00} Original Balance {$450.00} Highest Balance {$0.00} Terms 7 Months Payment History show tooltip button Tap a month for more informationShow payment legend XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CLS XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 XX/XX/XXXX 60 XX/XX/XXXX 90 XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO Historical Info First ReportedXX/XX/XXXX Original CreditorXXXX XXXX XXXX Creditor Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Comment show tooltip button Purchased by another lender. 

Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Took a look at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate.I was incarcerated for 10 years and never opened account with this company. 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. This account XXXX finance is not complete and accurate. 

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows cause to believe that the information is inaccurate. 

check attachments below
Product: Checking or savings account

Someone illegally set an allotment on my paycheck and is sending money to an account with PNC banking. XXXX number XXXX. Tracking number XXXX.The account number is invalid. Bank refuse to help because I dont have an account with them. My payroll is through the government and is doing everything possible to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Account number # XXXX I have previously disputed the accuracy of the information for the closed at my request and paid in full account with XXXX and all CRAs ( XXXX, Equifax, XXXX ), however, the information remains on my credit report. This continuing reporting of negative and inaccurate information is adversely affecting me despite an excellent payment across accounts. 

The specific areas of discrepancy across the CRAs are highlighted in the attached 3 credit bureau report and listed below. 
Date opened High credit Last reported Date last active Date of last payment
Product: Bank account or service

I attempted to fix an issue with my bank account with bank of america XXXX and received various false information about what I should do about the money that was stolen from my account. There was also various transactions that were used to create a false sense of fear with - {$880000.00} removed from both my checking and savings account. 

There was also information that was falsely used to allow for the - {$880000.00} to be removed without applying a hold on the funds that were available or use of proper banking procedures. 

There were also various other attempts to steal or borrow money from other accounts that were directly connected to the government that bank of america assumed were fraudulent or incorrectly funded. Numerous answers that were provided to them were not enough to fix the issues. 

I want to make sure that bank of america realizes that using such codes incorrectly can cause great harm financially to a person as well as hamper a person 's ability to be financially stable especially without proper authorization or investigation before playing a {$1.00} XXXX hold on an account for {$1000.00}.
Product: Credit reporting or other personal consumer reports

Navy FCU XX/XX/year> - Unauthorized hard inquiry. 

Navy FCU XX/XX/year>XXXX  - Unauthorized hard inquiry. 

XXXX XXXX XXXX XX/XX/year> - Unauthorized hard inquiry. 

XXXX XXXX XX/XX/year> - Unauthorized hard inquiry.
Product: Credit reporting or other personal consumer reports

I am contacting LVNV FUNDING LLC to request a thorough review and verification of information reported on my credit file by their company. I have identified several discrepancies in my credit report that I believe require immediate attention. Below are the details of the accounts in question : LVNV FUNDING LLC ( Account XXXX ) Issue Identified : This account is marked as Collection with a balance of {$1100.00} and {$490.00}. Payment history for 2024 indicates continuous collection status, but the underlying original creditor details are unclear. 


Request : Validate this debt with the original creditor information. 
Provide records of how this balance was calculated and confirm ownership of the account.
Product: Bank account or service

Bank of America sold XXXX of my checking accounts to XXXX Bank in XXXX, Virginia, without our knowledge. They gave our SSNs, bank account numbers, names and address to a bank we had no affiliation with. When I questioned them, they said they sent us a notice. I did n't receive anything. XXXX weeks ago ( after they XXXX sold XXXX of my accounts ) I went in and closed it. I asked if they were going to sell the XXXX account and was told " no ''. Yesterday I received another New Account Letter from XXXX Bank saying they were the owners of my XXXX account. When I asked BofA why, I was told that because BofA was more than XXXX miles from my residence, they chose XXXX Bank that was closer to my home. I will close the second account next week, after my last payroll deposit hits the account. I think what they have done is illegal. It is unethical and quite simply unbelieavable. I had had XXXX of my accounts for 26 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance XXXX {$6500.00} XXXX XXXX  XXXX Balance : {$2900.00}
Product: Credit card or prepaid card

XXXX Credit Card manage by Continental Finance is taking over 50 % of my payments to monthly fees and interest. I asked why and no one could give me an answer. finally they hung up on me.
Product: Student loan

I have a debt amount with Navient of {$75000.00}. I have called Navient multiple times over the years of 2008 to current, to better understand why I have a student loan amount this high. It has increased over the years due to interest. But the amount that it started out was way too high to begin with.
Product: Checking or savings account

Fifth Third Bank uploaded a 1099 for my XXXX taxes on XX/XX/XXXX, well past the deadline to provide 1099s of XX/XX/XXXX. I had already filed my taxes at this point so I needed to amend them and alerted the bank to the issue. They told me they would not help me out so I amended the taxes myself on XX/XX/XXXX. The bank then sent a letter out on XX/XX/XXXX stating that they would cover the cost of amending a tax return due to this error. I called the bank and told them my situation and they said they needed an invoice from an accountant to reimburse me. I told them I couldn't get an actual invoice since I amended the tax return myself because I was originally told that I wouldn't be getting any help and the letter offering reimbursement went out a month after the late 1099 was uploaded. I got a quote from an accountant for what it would have cost so I could be reimbursed for my time but they denied reimbursing me based on that. I never would have amended the taxes on my own if I had received the letter earlier. I would have had an accountant do it and saved my own time but they sent the letter almost a month after uploading the late 1099. I was not able to be reimbursed because they originally said they wouldn't help and I filed on my own.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I sent an email to their dispute dept concerning account # Account Number... XXXX Merchant Name.XXXX XXXX XXXX  XXXX Please note I couldn't find the best selection on your form but this is what I'm seeking your help with as XXXX XXXX needs to stop all interest rate charges and payments while we are in dispute and they are not following on the dispute process as they are trying to force this loan while I didn't receive services from XXXX XXXX XXXX and been frauded by their service. 

XXXX XXXX XXXX now operates under the name of XXXX XXXX did repair work ( replacing tensioner belt ) on my car on XX/XX/2023. However, when I took my car to XXXX XXXX who is also another merchant of XXXX who did some work on my car on XX/XX/2023 indicated that the work by XXXX XXXX XXXX around XX/XX/XXXX was not in acceptable condition and that the belt needed to be still replaced and the condition of that belt within only two months considering the charges was not acceptable. 
I contacted the XXXX XXXX XXXX but they denied it and hung up the phone that they would call the police if I called them again to complain about their work. As such, I sent an email to XXXX dispute dept ( XXXX ) to report a dispute on this transaction that I have been paying a monthly payment of around {$68.00}. I asked them to stop charging interest rates of over 100 % and stop my payments until they can resolve and refund my money as I didn't get the service that I paid for at XXXX XXXX XXXX and was a scam job they did on my car. After multiple attempts to email XXXX XXXX and to keep reopening this dispute, they would not stop the finance charges and haven't put a hold on these payments yet. They are trying to just make excuses to force this loan on me and they wouldn't complete their investigation accurately by calling XXXX XXXX ( their other merchant who worked on my car with expertise on XXXX cars ) who is willing to make a statement about the unacceptable repair work by XXXX XXXX XXXX on XX/XX/2023. As such, I need your help to contact XXXX to ensure they follow laws accordingly on my dispute and to stop all charges, and monthly payments, and to complete their investigation by calling XXXX XXXX for their testimony. XXXX needs to refund my money and remove this account as I was frauded by XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my report I found some account and addresses on my file that do not belong to me. I am in the process of filing a police report. I have never lived in XXXX OHIO. The following addresses need to be removed from my credit report. Someone has been applying for account for credit/business in my name. 
My name is XXXX XXXX XXXX My current and only address is :XXXX XXXX XXXX XXXX, OH XXXX My phone number is XXXX please DELETE/REMOVE the following addresses they are not mines : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The inquires are not mines please delete/remove XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I received an email on XX/XX/year> from Indigo about someone attempting to use my information to open a credit card, which was denied. This is now showing up on my credit report as an inquiry, which is fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, and several other times, I initiated a dispute concerning inaccuracies found on my credit report. This was my first communication regarding the issue, and I sent letters to all relevant credit reporting agencies to raise my concerns. 

Upon receiving responses from the credit bureaus, I learned that XXXX was identified as the furnisher of the disputed information. How I dont have a clue due to permissible purpose and no written consent. However, when I contacted XXXX for clarification, they stated that the court system was the actual furnisher of the information in question. 

To further investigate, I reached out to the court system directly, only to find that they confirmed they do not furnish any information to XXXX. This contradiction suggests that there is misinformation in the reporting process, leading me to believe there is a breakdown in accountability. 

As a result, I am requesting that the inaccurate information account or affiliated with it as listed ( Chapter 7 bankruptcy case # XXXX ) be deleted from my credit report immediately, as I have attached proof supporting my claims. This situation raises serious concerns about civil noncompliance and civil neglect regarding the handling of my dispute under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.
Product: Debt collection

This company called me claiming to be the collection agency for US Bank. And they extorted me into paying {$600.00} to them. It was not until today when another person tried to scam me did I realize that I was in fact scammed here is the documents for this person. This address is registered to a XXXX store. How do I get my {$600.00} back