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

I have been a victim of identity theft for 3 years, I have tried to rectify this situation with the credit bureaus and they have failed to remove all of the fraudulent information from my reports. Experian has refused to do a thorough investigation on 3 separate occasions. They have verified information in less than 48 hours in each dispute. The creditors have removed the accounts from the other 2 bureaus. The accounts are as follows : 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just called Experian to remove 3 inquiries off of my report on XX/XX/XXXX Their policy is that they can remove any off of the report if within 30 days of the 2 year limit for inquiries. 
I have never had a problem with them until now on this. 
I have 3 inquiries that the inquiry date was on XX/XX/XXXX. 
The government law states the limit by law is to be no more than 2 years for inquiries from the beginning of the date to the end date ( in this case XXXX XXXX - XXXX XXXX XXXX. 

This lady is trying to tell me that I can request the 30 day early removal for these inquiries on XX/XX/XXXX since it won't officially be removed till XX/XX/XXXX. 
This is not what the law states.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO is reporting to Equifax, and by means of a collection agency XXXX XXXX XXXX XXXX, is attempting to collect an alleged balance of {$310.00}. According to Equifax, the date the alleged debt was incurred was XX/XX/2019, but I have no visit to XXXX XXXX XXXX on that date. Attempts to contact the business, the collection agency, and the credit bureau to respond to my complaint have not been successful. 

1. XXXX  XXXX XXXX is not owed the debt and I have never been presented with an invoice for payment, an itemized receipt for products, services, or care provided, and I have never been provided with a contract -- including the date and my signature -- which authorizes the establishment of a credit account. 

2. XXXX XXXX XXXX  XXXX have illegally " re-aged '' the debt on my credit report to make it appear more recent and with a higher balance. XXXX XXXX XXXX  XXXX have failed to respond to my inquiry that they substantiate the date of the debt with an original invoice from XXXX  XXXX XXXX ; the have failed to represent the correct amount owed and have arbitrarily and capriciously increased the amount owed with no notice and without stating what interest, fees, charges, or other add-ons are being claimed. 

3. Equifax has not responded to my dispute, violates the FCRA in failing to act, and is causing irreparable harm in its negligence to investigate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX ran my credit twice I never gave permission XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ran my credit I never gave permission XX/XX/XXXX Credit acceptance has auto loan out that I never applied for XX/XX/XXXX I did not apply for credit nor give permission to any one to apply on my behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT. NONE OF THESE INQUIRIES BELONG TO ME AND ITS RUINING MY LIFE.
Product: Debt collection

I had a credit card that i used frequently and paid every month but they mailed the bill to the wrong address for a couple months and then they attempted to double what i actually owed. I attempted to negotiate with them on how much I owed but they would n't listen and sold my debt to a collection company.
Product: Consumer Loan

1 : Mailing Address is incorrect. 
2 : Date of Birth, is incorrect. 
XXXX issues are with EXPERIAN XXXX.
Product: Bank account or service

In XXXX XXXX, I went online and cancelled the {$25.00} automatic monthly scheduled transfer from my BOA checking to savings account, but the bank made a mistake and started the transfer back up on XXXX XXXX, XXXX, without my authorization, charged me a {$35.00} overdraft fee because I did n't have {$25.00} to transfer in the first place, and left me with a negative - {$60.00} balance in my checking account. What kind of program do they have anyway that allows somebody to transfer negative checking account funds to a savings account to incur an overdraft fee on the checking account??? When I called today to complain about the transfer and fee, I asked when I supposedly reauthorized a transfer ( which I did n't ) and they could n't tell me the date, but said I was sent a low balance alert, which means nothing because I knew the balance was low anyway and I do n't have to maintain a minimum balance to avoid the monthly maintenance fee. Please make them put the {$35.00} they took from me back in my account because what they did was wrong. I am a XXXX on a very tight budget and it 's not fair that they are taking my money like this. I had to get a loan from my mom to cover the overdrawn checking account balance until this is resolved. You have my permission talk to her about this.
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 XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX 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: Checking or savings account

On XX/XX/XXXX I competed in an amateur boxing event with XXXX XXXX called XXXX XXXX XXXX. I won a {$500.00} check for 3rd place in the ring girl contest. The written amount on my check was different than the dollar amount due to a printing error at the event. The check was supposed to be for {$500.00} and the written amount confirmed that, however the dollar amount was {$2500.00}. I deposited the check for {$500.00} and not {$2500.00} via mobile deposit on XX/XX/XXXX. On Monday XX/XX/XXXX, I called chase to ask when my funds would be available and I learned that my account was restricted because they could not verify the amount with the issuer due to the phone number not being verified for the company. I sat in limbo trying to figure out how to fix this situation. I was finally able to obtain a number for the president oXXXX XXXX XXXX  to link him to the company. Chase called and verified the check on XX/XX/XXXX. However, by XX/XX/XXXX I was still unable to use my debit card or have access to any of my money in my account. I called chase again and they informed me that they lifted the restriction from my account and to give it 1 hour for it to update. I waited an additional 3 days and there was still no change to my account. By this time I had reached the total allotted time allowed for a restricted account and chase closed my account even though the check was verified and paid out by the issuing bank. 10 days after XX/XX/XXXX Chase was supposed to cut me a check for the remaining money that was left in my account, as of XX/XX/XXXX I still have no received a check. I called chase once again and they told me that the money is being held and I have to go to a branch and bring to forms of identification. This is unacceptable because I was previously hung up on by a manager because I was angry that I wasnt able to go to chase to get my money and that I had to wait for a check. Now there is no check and chase is trying to keep my funds. This bank should be disbarred from managing anyones funds.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had many late payments on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.
Product: Credit reporting or other personal consumer reports

I was alerted through XXXX identity protection that someone had opened up A credit card under my name that I did not open. There was a credit check for XXXX XXXX And it was not me, so there is fraud that I need taken care of so my credit score and identity do not get destroyed.
Product: Credit reporting or other personal consumer reports

These late payments don't reflect my regular payment pattern.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Traded Genesis G70 financed through Genesis Finance on a RIVIAN R1T. Refund due of {$770.00} for an overpayment on payoff. Despite multiple phone calls and a different story each time I call, no check ever received. Last excuse was the check was sent to XXXX XXXX XXXX. I contacted XXXX ; they have not received any check.. I can provide ALL dates, names, and notes pertinent to this issue if needed. It's been almost 3 months since loan was paid off.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hey I went to a Truist bank and got my account closed. They told me that I wouldnt be receiving my direct deposit and would send it back to the sender. My employer said that it got sent days ago and they never closed my account which was supposed to been a paper check
Product: Debt collection

KNSCOUNSELORS at XXXX called on XXXX at XXXX XXXX attempting to collect a debt. I told them this was my work and they should not call my work again. They called again XXXX/XXXX/2015 at XXXX ( XXXX ). I again asked them to stop calling or I would report them to the FTC and they said tough.
Product: Credit card

I initiated a balance transfer in the amount of {$3000.00} on XX/XX/2023 on my Discover account. The purpose was to pay off the remaining balance of {$3000.00} on my XXXX account. I called XXXX  companies today and no one can explain where the money is, but, Discover has posted the charge to my discover account. Now I have had to initiate another balance transfer with the funds going to my checking account so that I can pay off the XXXX balance before the promotional period runs out. So now I'm being charged another finance fee and I was told that the initial balance transfer could not be cancelled even though they do not know where the funds are.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE IS NOW XX/XX/2023 DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 



PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
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 u.s.c 1681. 
XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX 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 ) ( s ) 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 then records of the convictions of crimes which antedates the report by more then 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 it the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

XXXX XXXX 2025 : reached out to Synchrony bank to dispute a XXXX $ dollar charge back that was a result of me setting up my auto payment improperly. I opted to pay the statement balance, which turned out to be the entire current balance of the account which is very misleading. The payment account attached to this auto payment did not have sufficient funds to complete the charged amount and resulted in a pay back and a charge of {$30.00} initiated by Synchrony bank ( XXXX  card ). I called multiple customer service representatives and a supervisor that just said no to forgiving this as a one time courtesy. I expressed the issue I had in navigating their ui and they were unwavering in their decision to not forgive the charge. I have been a customer with synchrony for years and have NEVER had a late payment or issue.
Product: Debt collection

received a debt collection letter from Professional Adjustment. I sent them a debt validation letter requesting the company to send me proof showing that I owe this debt. I requested a proof of a signed contract between me and the creditor and the debt collector with my signed signature in ink, they failed to send that, I requested an agreement with XXXX XXXX XXXX between Professional adjustment that grants them authority to collect on this debt, verification that this debt was assigned or sold to collector, information that this company is licensed to collect in the state of Florida, but I did not receive any of the documents. I only received a copy of a bill and that does not validate the debt. In the US law encyclopedia, XXXX XXXX, 73 am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they did not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

ACIMA DIGITAL is not under any LAW required to report any of my private consumer transactional information. ACIMA DIGITAL HAS THE OPTION TO REPORT MY INFORMATION TO THE CREDIT REPORTING AGENCIES which is why the consumer has the RIGHT to demand financial institutions to withdraw their reporting under 12 CFR and the FCRA. I have placed ACIMA DIGITAL on PROPER NOTICE on XX/XX/XXXX that I under 12 CFR 1022.24 and 15 USC 1681b permissible purpose request that ACIMA DIGITAL CEASE ALL REPORTING OF MY CONSUMER TRANSACTIONAL INFORMATION TO ALL REPORTING AGENCIES and was given 30 days to comply and perform their fiduciary duties accordingly. As of today XX/XX/ ACIMA DIGITAL has received my Notice and have willfully continued to report my consumer transactional information against my request, against my RIGHT, against CFPB regulations under 12 CFR and against the FCRA. ACIMA DIGITAL appears to be acting on its own accord with a total disregard to the LAWs it is obligated to perform under. ACIMA DIGITAL is in willful noncompliance!
Product: Student loan

I took a loan out for a little more than XXXX from XXXX XXXX in 2006... I have since then paid over XXXX back and still have over XXXX in interest to still pay. I know that it went to another company maybe even XXXX. navient and or aidvantage. I have already made a complaint about this and XXXX XXXX said it wasnt them?
Product: Student loan

This morning XX/XX/2018 at XXXX I received an email notification that my loan payment would be changing, an increase. Im set up with auto draft. Well 22 minutes later, at XXXX, I received my email for receipt of payment reflecting of the increase. I was charged {$540.00} instead of the normal {$390.00} without a real notice. They said changes would reflect in XX/XX/XXXX but they started today.