23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My concerned is that chase advertisement for an authorized card holder user is false .... and it does n't give any benefits to the authorized user just bad ones ... I called Chase customer service 5 times even talk to a supervisor and all told me that being an authorized user will help with your credit history since it will be reported in your credit report. I was reported for more than 10 years ... and I remember exactly they told me it was the same as having a secured credit card just not having to put some money down ... so it does n't help you out it just hear user because if the primary account holder defaults on their card you get a mark on your credit report and ca n't be removed. I want this escalated or want a letter saying that being an authorized user will not help your credit score but if the person is late or does n't pay it will be marked in the credit profiles of the authorized user. this is why I think this application needed to reconsider or the inquiry denied ... because of the false advertisement..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX and XXXXXXXX XXXX XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 18 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past  due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX XXXX. XXXX account # 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, credit repair services, or other personal consumer reports

I went to annualcreditreport.com to request my report and all asked me to call. After calling Equifax refuses to send my report. They are asking for information I have already provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as correct the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XX/XX/XXXXXXXX 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 am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized use of my personal information. Consequently, several fraudulent accounts and inquiries have appeared on my credit report without my knowledge or consent. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be immediately blocked and deleted from my credit file. 
XXXX Accounts : XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$710.00} XXXX. XXXX XXXX ( Duplicate Entry ) o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX. XXXX Self-Reported o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$140.00} Fraudulent Inquiry : XXXX XXXX XXXX XXXX XXXX o Inquiry Date : XX/XX/XXXX
Product: Student loan

I currently pay {$250.00} in monthly payments to Navient on a Rate Reduction Plan for {$63000.00} on student loans. Approximately $ 200/month goes toward the interest of my loan while only {$56.00} goes toward the principle of my balance. I originally took out about {$50000.00} in student loans through Sallie Mae ( now Navient ). I am on a 30 year repayment as I can't afford the over {$600.00} standard monthly payment. Over the course of the next 30 years based on the current loan rates I pay, Navient will profit at least {$72000.00} on an original {$50000.00} student loan. I've requested alternate payment options- none are available. I've filed formal complaints with Navient- I'm reminded of the original terms and conditions of the loan. When filing the complaint with Navient I was told my complaint is the most frequent complaint about Navient. Even mortgages are available for refinance. I've tried to request my payment allocations be restructured so {$200.00} goes toward principle while {$50.00} goes toward interest- Navent refuses and does not have such a program. Every six months my monthly payments increase with Navient due to a 0.5 % increase on interest. I can not afford the continuous increase in interest payments, I'm frustrated Navient and their shareholders continue to profit off my hard earned money. I've even considered stopping payment altogether but can not as Navient will pursue legal action against myself and my co-signers to garnish wages or put leans against my cosigners property. I comply with the payments to prevent the aforementioned consequences. I do not pay out of consent ; I believe Navient is financially raping thousands of student loan borrowers to line the pockets of the million/billionaire shareholders that have stock in this corporation. Because of Navient and my astronomical $ XXXX/mo student loan payments I can not afford a house, it's a struggle to help support my family, and quality of life is poor. I went to school for a better life, instead, I'm indebted to Navient, paying astronomical interest rates with no benefit to my self or my family. I can not better myself and return to school for a trade because deferment and forbearance will only increase my interest rates and long term repayments. I believe legal action needs to be taken against Navient to assist student loan borrowers reduce payments and help pay loans off faster. After 5 years of repayment to Navient, I have barely reduced overal principle of the loan and will not pay off these loans until I am XXXX years old.
Product: Credit card

Attached you will find a contract by XXXX XXXX. They charged me over {$25000.00} to run an Amazon store for me and then breached the contract. They shut my store down abruptly and refuse to refund my money. I have been trying since last year to get this resolved. The owner of XXXX XXXX, refuses to answer phone calls. He is fraudulent and is stealing thousands of dollars from clients such as myself. He needs to be held liable and the Chase should be held responsible for not refunding my card, when they have admitted that my complaint is valid.
Product: Debt collection

XXXX XXXX XXXX. Subject : Opt-Out Request for Sale or Sharing of Personal Information Dear. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX am writing to assert my rights under California Civil Code Section 1798.120 and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section 1798.120 ( a ). As outlined in Section 1798.120 ( b ), I expect your agency to provide the required notice to me, in accordance with Section 1798.135 ( a ), confirming that my personal information may be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section 1798.120 ( c ), if you have actual knowledge that I am less than 16 years of age, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section 1798.120 ( d ), to cease the sale or sharing of my personal information. As per Section 1798.135 ( c ) ( 4 ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision may result in legal consequences, as outlined in the California Consumer Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX.
Product: Checking or savings account

I am writing to formally file a claim regarding unauthorized transactions on my Bank of America account and the subsequent challenges I have faced in resolving this issue. Below, I provide a detailed account of the events : Initial Fraud Incident ( XX/XX/XXXX ) : My Bank of America checking account was hacked in XXXX, and approximately {$5000.00} was withdrawn. 
Upon reporting the issue, my debit card was cancelled, and a new one was sent to my address in XXXX. 
I activated the new card upon receipt. 

Second Fraud Incident : A few months later, my account was hacked again. This time, unauthorized charges totalling approximately {$6100.00} were made in XXXX. 
I received an alert on my phone and immediately called to report the charges. 
The bank informed me that my account would be blocked until I could verify my identity in person at a branch. 
I explained that I lived in XXXX and could not travel to a branch then. I was assured that it would be acceptable to resolve the matter later. 

Follow-Up in XXXX ( XX/XX/XXXX ) : While visiting my daughter in XXXX, I contacted Bank of America to confirm if in-person verification was necessary. 
A representative informed us that the claim could be handled online, and an in-person visit was not required. 
I returned to XXXX, only to receive a correspondence stating that my claim was denied because it appeared I had provided my information to a third party to make these transactions, which I strongly contest. 

Repeated Attempts to Resolve : I made multiple calls to the bank to dispute the decision. These calls often involved long wait times, being transferred to different departments, and even disconnections. 
Despite my efforts, I could not resolve the issue or talk to anyone in the bank with any resolution. 

Recent Visit to a Bank Branch ( XX/XX/XXXX ) : During a visit to XXXX, my daughter helped me call back to the Bank of America for a resolution on this matter. They mentioned that I needed to show up in person to be able to dispute the resolution and that I would be able to do that at the bank My daughter and I decided to travel to a Bank of America branch in the U.S. for in-person assistance. 
We rented a car, and my daughter took a day off work to accompany me. 
At the branch, we were assisted by a manager who reviewed our case for two hours. However, we were informed that nothing could be done because claims must be filed within 60 days of the disputed charges. 
We explained that the charges were reported immediately and questioned how the formal claim in XXXX was processed despite the XXXX limit, if that was the case which it didn't make sense. The XXXX was unable to explain. 

Issues Encountered : Miscommunication and contradictory information from Bank of America representatives. 
Lack of proper tracking for my initial claim in XXXX and subsequent follow-ups. 
Denial of my claim based on incorrect assumptions and procedural failures. 
Time and financial losses incurred due to the misinformation and mismanagement of my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Erroneous Direct Violation Of The FCRA Professional Debt For two years now Ive been disputing these items im getting so angry please please remove these XXXX from my credit report these are fraudulent i file a police report and ftc report EXPERIAN WILL BE SUED and lawyer will be contacting experian if these items are not removed in the next XXXX weeks!!!!! 

1. Account number : XXXX XXXX  XXXX Please remove this inaccurate information from my credit report. 

2. Account number : XXXX Please Investigate and delete from my credit report 3.XXXX  XXXX XXXX  Account number : XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activities. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX CA 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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activities, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2021, I received multiple pre approvals from credit karma then they did hard inquiries bringing my score down when I was diligently trying to raise my scores and improve my credit. 
They would say " excellent odds '', and your pre approved, then I would be denied. 
I didn't know I could actually file a complaint against them.
Product: Debt collection

Cease and Desist have been sent to Omega RMS. I also demand to see The Bill of Assignments and Chain of Title of all alleged debt bearing my name to validate. I didn't directly consent for this company to have my personal information. I demand my personal data be deleted. Omega RMS is only to contact me thru the CFPB, and stop communicating with third parties about my information. This company has also violated several consumer laws that protect from deceptive practices as stated in my letters. I will seek monetary damages
Product: Credit reporting, credit repair services, or other personal consumer reports

I subscribe to equifax - so that I can monitor my report and scores. On XX/XX/XXXX I checked my report and my score was XXXX. This was great all my efforts were paying off. I then checked it again XX/XX/XXXX and it was XXXX. I didn't understand so I went into the dashboard to try to find out why. It said that it was due to additional credit item I had opened. I had not added anything. I disputed this but now as of XX/XX/XXXX I still have not heard a response as to why this happened. I had other items on the dispute that were addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX. transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX   say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us  rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  XXXX  XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

Upon review of my credit report from XXXX I noticed a collection account from Enhanced Recovery Co XXXX stating an amount of {$360.00} is owed. After contacting the listed bureaus I was informed to contact the reporting agency. Enhanced Recovery Co XXXX was contacted via certified mail requesting validity of this account. XXXX XXXX validation letter was signed and delivered on XXXX XXXX, 2016. Enhanced Recovery Co XXXX has yet to respond with proper documents bearing my signature. I have contract with this company nor the company they are representing. I request this collection is DELETED and REMOVED from all reporting credit bureaus.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/21, I was unlawfully discriminated and denied my RIGHT to extend credit pursuant to 15 USC 1691 ( a ) ( 3 ) as I in good faith I exercised my right as the original creditor.
Product: Vehicle loan or lease

I purchased a new vehicle on XX/XX/XXXX and traded in my XXXX XXXX XXXX financed through XXXX Finance. On XX/XX/XXXX I received email confirmation that my loan balance had been bull. On XX/XX/XXXX, XXXX XXXX  drafted my automatic schedule payment of {$750.00} from my bank account. When I called I was informed it would be refunded in 10 days. I asked to speak to a supervisor who informed me it would be refunded in 21 days and there was nothing further they could do to expedite. I requested to speak to a manager and was informed they did not take calls, then that they were " in meetings '' and they had no voice message availability. 
I understand the reason the payment was taken was because I was set up on automatic payments ( their requirement ). However, the account was paid in full prior to my payment date. They tell me it takes a day or 2 to process. That is not my problem or my fault and having to wait 21 days for a refund when they stole my funds in nanoseconds is completely unacceptable. We live in an age where monies can be electronically transferred in seconds ( next business day to process at the most ). If the role was reversed and I had not paid them, they would not have given me 21 days to make the payment, it would have been demanded immediately or I'm in default on the loan. I was also told the automatic payment was a requirement to get the interest rate I had on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless. 

My name is XXXX XXXX and Im submitting this complaint on behalf of myself and would like you guys to proceed forward with this complaint.