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

I have applied in the past for a payday loan to help with planning my wedding for next year. The advertising is VERY misleading to a consumer and the ad on the internet tells a consumer about someone can get a payday loan and that there is no impact on hit on his/her credit report score. I have had numerous calls getting my hopes up for a payday loan to repay them back over time that they ask me as to why I need a loan and and the purpose of the loan and they tell me that a firm could help me with getting my credit score up like the firm of Lexington Law when I tried to get a small loan and I was transfered to a person from a loan company to Lexington Law to sell me their services as well like a Third Party. The loan company I believe did not explain any TRUTH AND LENDING BUSINESS and any of the Fair Business Pratices. I do believe the short term payday loan services receive Money from other agencies " Kickbacks '' that i believe that both companies about that an individual tells them no like Lexington Law that Lexington law tells the customer that they can pull a person 's credit and challenge the validity of business that a a consumer applies for a credit card that they offer ways based on the laws to help repair someone's credit for what they say that they can deliver for over {$100.00} a month in which they take out their fee every month and they say it would help to get a consumer credit score up within 4-6 months and that a consumer can look at his/her credit report and all it tells the consumer that it tell that there has been a letter from Lexington law that these has " Just An Inquiring '' from Lexington.Law. This to me is very false and deceiving customers to pay a fee in for fixing their credit and Lexington Law I think is breaking " The Truth Lending Law and that they probably sell some of their business to another firm or these scammers or robocallers. This to me is Unfair Business Practice and False Advertising by a loan company and by Lexington Law as well and not doing anything about their customers credit report to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX deleted inaccurate account from my consumer report and I want it to be deleted from XXXX and equifax immediately
Product: Debt collection

I have been trying to get a very old debt settled for years and every time I attempt to start to pay they levy an account of mine. The last time was in XX/XX/XXXX, my account was levied and I never received notice so I was never able to contact them, they just did it. This account was dated back in XX/XX/XXXX and Then this levy pops up.
Product: Credit card or prepaid card

I recieved an email on XXXX stating that my card is now frozen, and submit my drivers license and 2 debit cards showing that they belong to me. I did and i was told i have to wait for some to review it and release my funds.. how is it legal?? all i did is pay off my credit cards from tax return?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit Reporting act XXXX Account # XXXX, 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 mot treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

Navient Solutions Inc. is claiming that my son ( the student ) co-signed for the Sallie Mae private parent plus loan which he did not. I have requested a copy of all documents pertaining to loan # XXXX and have not received any documents.
Product: Vehicle loan or lease

To Whom It XXXX Concern, I am writing to formally express my deep concern and dissatisfaction regarding PenFed Credit Unions recent decision to deny me credit. I have a XXXX XXXX of XXXX, an annual income of {$180000.00}, and a strong credit history with no negative marks. Additionally, I have successfully paid off a {$50000.00} auto loan, further demonstrating my creditworthiness and financial responsibility. 

The stated reason for the denialalleged high utilization on one credit accountis both insufficient and unacceptable given my overall financial profile. A single account with higher utilization does not reasonably justify a denial when all other indicators reflect strong credit management.

Given the strength of my application, I am compelled to question whether this decision was influenced by discriminatory factors, specifically race. If so, this would constitute a violation of the Equal Credit Opportunity Act and is a matter I take extremely seriously.

I am requesting an immediate and thorough review of my application, as well as a detailed written explanation of the specific criteria used to deny my credit request. Should I not receive a satisfactory response, I am prepared to escalate this matter to the Consumer Financial Protection Bureau and seek legal counsel if necessary.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, and TransUnion ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX  can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt of { { {$67000.00} } } in order to file as ordinary income. Where is my 1099-C XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX  has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX  terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and TransUnion is not an affiliate of XXXX XXXX  nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

This not mine I request them to remove from my credit report
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX. 15 U.S. CODE 1692G - XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 16811 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692e - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 16811 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX5 U.S. CODE 1681B - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LOOKING AT MY CREDIT REPORT AND I HAVE A LOT OF FRAUDULENT ACCOUNTS. ALONG WITH FRAUDULENT INQUIRIES. THESE ACCOUNT ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR MY FAMILY AND ME. HOW CAN I PROGRESS AND DO WHAT I NEED TO DO FOR MY CHILDREN WHEN THE BUREUAS ALLOW THESE FRAUDUENT ACCOUNTS ON MY CREDIT PROFILE. There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Product: Credit reporting or other personal consumer reports

A payment was made on my account. XX/XX/2024 of XXXX. Tranunion still has it reflecting i was 30 days late. I uploaded my bank statement as well as confirmation number showing I made a payment in XXXX Transunion still hasn't removed the late remark. It's negatively reflecting on my credit report. XXXX XXXXXXXX stated they will request the remark be removed from my credit report and credit the late fee. Yet Transunion is still reporting incorrect info.
Product: Checking or savings account

I tried to deposit XXXX {$1000.00} checks into my checking account and Chase Bank verified it with the issuing bank and it was verified. However it wasnt in Chases " system '' so they are now threatening to close my account and saying thy cant cancel the checks even though they were never fully deposited anyway because of their " System ''. Now my account is frozen and my money is unavailable.
Product: Credit card or prepaid card

I had a capital one bank credit card that I forgot to make payments on since 2017 back then I didn't fully understand how credit cards work!
Product: Student loan

XXXX took {$6000.00} from my bank account last week. The first withdrawal was under my consent. The additional XXXX withdrawals were not. 
I have had some issues with this company in the past, but over the years they have accommodated my need for an adjusted payment so I was n't overly dissatisfied ... until now. 
Part of my adjusted payment plan meant I was required to sign up for XXXX XXXX which is an electronic direct withdrawal from my bank account monthly for the AGREED upon amount. When I have extra cash from a tax return or bonus I will add this to the payment. 
About a week ago I decided after getting a hefty bonus payment that I was going to make a large lump sum payment to one of my loans. 
I set the payment online, hit submit ONCE, and got ONE confirmation number. Fast forward to yesterday and XXXX has fraudulently withdrawn an additional {$6000.00} dollars from my bank account. The amount of catastrophe this has caused is unmeasurable. 
In all, XXXX made XXXX {$6000.00} withdrawals in two days from my account, a total of {$18000.00} dollars of which only XXXX installment was returned leaving me - {$12000.00} and unable to pay my bills on time. 
I spoke with XXXX at XXXX yesterday who informed me the 'refund ' process takes 30 days and my best bet is to speak with my bank. 
XXXX took money from my bank account without my permission. Having my bank information for PREVIOUSLY AGREED UPON monthly charges does not permit you to take large sums of money from my bank account. 
I will be calling the company again on Monday and requesting a more timely resolution to this issue, if not I will be seeking legal counsel and seeking damages for the other accounts that I can not payoff while this issue is being resolved. 
My bank account is now negative thousands of dollars and I can not pay my rent, buy groceries and will be late on and charged fees for a number of other loan and utility accounts. Furthermore, I am being additionally charged for everyday it is negative. Which will be until the payment is refunded.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me, and I believe they are a result of identity theft. I have submitted an identity theft complaint to the Federal Trade Commission ( FTC ). This is for EQUIFAX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to Section 604 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a credit report if there is a permissible purpose, such as explicit consumer consent. I have not provided consent for these inquiries, making their presence on my credit report a violation of the FCRA.

I have already attempted to resolve this matter by contacting the listed companies directly but have been unable to receive meaningful assistance. Therefore, I am requesting that Equifax immediately remove these fraudulent inquiries from my credit file.

If this matter is not resolved promptly, I may escalate the issue through additional legal channels as permitted under the FCRA, including potential claims for damages for non-compliance under Section 616 ( Civil Liability for Willful Noncompliance ) and Section 617 ( Civil Liability for Negligent Noncompliance ).

Thank you for addressing this matter promptly. I have attached supporting documents, including my FTC Identity Theft Report, for your review. Please confirm the removal of these inquiries at your earliest convenience.
Product: Checking or savings account

Navy Federal Credit refuses to explain why I have been charged XXXX dollars more than my total deposit amount on one account. I have been paying XXXX since XX/XX/2021 to clear this issue. 
In XX/XX/2021 they removed XXXX. That was expected for my overdraft protection.then money was added to my account. In XXXX I was told my checking was closed. I owed the XXXX. That's XXXX more than I receive in monthly income and can not go over. Then in XX/XX/2021 I am told by letter that I only can use mobile banking. I can not talk to any member of their customer service. 
Without explanation in the letter for this. 
Then in XX/XX/2021, my account went from XXXX to XXXX with explanation. Can not talk to anyone and the statement only says adjustment. Adjustment for what? I haven't used the account since XX/XX/XXXX. 
XXXX XXXX is running Navy Federal Credit Union as if it's her personal bank with bias and bad blood towards people with dark skin and with mental health issues. I even had conversations with employees who agreed NAVY FEDERAL CREDIT UNION EMPLOYEES are treated like XXXX and slaves. Several conversations about unionization must have been the final straw.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

Zelle did not put funds into my account from my payee that were set to deposit. Causing loss of funds and confusion for both people. I would not contact anyone and there was no direct contact number to call in the past. The amount of XXXX  monthly was at or around the fees in question
Product: Debt collection

XXXX XXXX XXXX claim that notification was sent to an address that was and address that was a temporary that I had n't use for 3 years, even though they had my correct address. XXXX XXXX XXXX XXXX XXXX went in front of XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with out notifying me and lied to the Judge that he was suiting me for XXXX XXXX Bank alleging I owed XXXX XXXX Bank {$17000.00}, XXXX XXXX believed XXXX XXXX XXXX lie and awarded his a judgement, I was not made aware of this until I went to sale my home on XX/XX/XXXX, I hired and attorney XXXX XXXX of XXXX, GA who arrested on or about XX/XX/XXXX for doing the same thing that XXXX XXXX XXXX does collect checks supposedly for some XXXX else but depositing in he account. Attorney supposedly sent a letter to XXXX XXXX XXXX informing him that instead of me paying him {$17000.00}, I agreed to pay him {$5000.00}, after approx 4 days XXXX XXXX got back with me and informed me that XXXX claimed that XXXX XXXX Bank authorized him to settle for {$11000.00}, because I was leaving to live in the XXXX in I short while I went for it. Then later on I requested a copy of the check ( copy attached ) and noted that it had been deposited in XXXX 's account, I emailed a copy of the check and a letter ( copy attached ) to XXXX requesting a receipt from XXXX XXXX Bank and the statues of and balance of the account. He sent an email to XXXX XXXX but he did not reply to me I emailed XXXX XXXX and got no reply, I requested a friend stop by XXXX XXXX office to see why he did not reply, this friend informed my of XXXX XXXX 's arrest. I am a XXXX service connected Veteran that was unexpected terminated from my Federal employment because this condition that I could not get the VA to address, this caused me to have to go to private doctors for treatment, now I still have medical bills that I expected to use the proceeds from the sale of my home to pay them down. I can not understand how some one can lie to a judge take my proceeds and still lie about it and not give me a receipt from XXXX XXXX Bank because he states he can not talk to me because XXXX XXXX is my representative I do n't think I need to talk to to him to get what I requested.
Product: Credit reporting or other personal consumer reports

Back in XXXX Trans Union XXXX XXXX and Experian were reporting this XXXX XXXX XXXX  account in collections with XXXX XXXX XXXX 
It was disputed back then and removed. Recently XXXX XXXX bought it from XXXX and started reporting it again. Now if this account was being reported in XX/XX/XXXX, It could not have been open in XX/XX/year> as XXXX XXXX has now verified 3 times over. XXXX XXXX is intentionally manipulating crucial information, which has harmed my credit score. This is intentionally done and XXXX. XXXX and Experian is allowing it to happen. This tradeline needs to be immediately deleted from all 3 agencies once and for all. XXXX XXXX should be put out of business. My civil rights have been violated and my health has suffered due to this issue. THIS IC SYSTEMS ACCOUNT IS BEING REPORTED INTENTIONALLY INACCURATE TO ENSURE IT REPORTS LONGER THAN IT SHOULD. WITH HIGHER AMOUNTS AND THEY REFUSE TO PROVIDE ANY VERIFICATION UPON REQUESTED, PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
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