23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

From XX/XX/XXXX to XX/XX/XXXX at some point between those dates, I realized my wallet was stolen. I came to this conclusion after not finding my wallet and then checking my bank accounts to see multiple transactions being made that I did not authorize ( transactions were made on multiple cards but this case specifically involves DISCOVER ). I went through the process of shutting down all my credit cards and spoke with each credit card 's respective bankers to solve this issue of fraud and unauthorized transactions. All the credit card companies were understanding and assisted me in recovering my cards and clearing those specific transactions. All companies except one, that company was DISCOVER. I called DISCOVER and briefed their fraud team about my situation. Initially, they understood and closed my credit card temporarily and sent a new one as well as added pending credit in the meantime. Eventually, the fraud transactions were removed and the credit was permanently given to me, until I activated the new card and the fraud transactions were reposted. I again called and the call wasn't productive I was told that their fraud team had just simply concluded that it wasn't fraud based on an XXXX address that was similar to mine given by a merchant and a reoccurring transaction/subscription. 

Overall all other credit card companies understood and were very helpful, but DISCOVER seems to be very difficult to deal with in this case and has given unreasonable justifications as to why they came to their conclusions.
Product: Checking or savings account

I ordered a new card because my old one was compromised. I received a new card today after a week of waiting. Now I am unable to activate the card. Chime said they had issues another card after this one was made so I am unable to use this card for anything and now have to wait another 7 days for another card
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX Bureaus consumer report and I noticed some inaccurate posted on my consumer report XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote these companies and called several times. And they will not adhere to my request. Ive spent countless time and money requesting these companies to abide by the rules set out by the FRCA and all I keep getting is the run around. I take my credit seriously and these companies have been allowing inaccuracies on my credit report to ruin my reputation. They have failed to provide me with the information that theyre required to provide. It feels like Im am being deprived of my freedom. What theyre doing is illegal and I demand answers. I cant sleep at night until I know that every little piece of account and my personal information is correct. The credit bureaus must be held accountable.
Product: Credit reporting or other personal consumer reports

I was completely shocked when I found incorrect accounts on my credit report this morning, and I have no idea where they came from. I checked my credit report as I usually do, but this time, there were discrepancies that I wasn't expecting. I tried refreshing my browser, thinking it might be a mistake, but the inaccurate accounts stayed put. Because of this, Im asking for a careful review of the documents Ive provided so I can stop worrying about this ever happening again.
Product: Credit reporting or other personal consumer reports

The information reporting to my consumer report is fraudulent and inaccurate XXXX XXXX  XXXX and inquiries from XXXX XXXX and XXXX XXXX.Pkease block or remove these accounts from my consumer report.15 U.S.C 1681i ( a ) 1 challenges the XXXX  day response time.15 U.S.C 1681i ( a ) 6 ( b ) 3 challenges investigation protocol.
Product: Credit reporting or other personal consumer reports

this is proof that these accounts was deleted but they put these accounts back on my consumer report .I filed my identity theft report letting the credit bureaus know I was a victim of identity.

15 u.s. code 1681c-2 : which states 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 alleged identity theft, 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 identity theft.

15 u.s. code 1681b permissible purpose : 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 INSTUCTION 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 these accounts immediately
Product: Checking or savings account

Im writing to follow complaint against Navy Federal credit regarding multiple overdraft fees that I have incurred. Despite having sufficient when the transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the most recent CFPB findings against Navy Federal credit Union for similar practices where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions of all accounts with the Navy Federal credit Union.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt I do not have a contract with this collection agency and I don't do business with this company and they did not provide me with the original contract. I want a correction to my credit report. I demand this account to be removed from my credit report. This company name is JEFFERSON CAPITAL SYSTEMS
Product: Debt collection

Disputed this account on all three credit bureaus and asked for validation ... .not address verification. Asked for chain of title if account was purchased from another country. Asked for " itemized '' breakdown of all charges, interest, fees, penalties that result in the alleged amount owed. I received nothing back from them except a XXXX bill that clearly does not show any of this. And also proves that I DO NOT have an account or obligation to Diversified Consultants. I asked that this be removed from all 3 major credit bureaus and all collection attempts be ceased. 

In attachment labeled " Diversified Consultants 2nd Response '' they sent a letter to my father XXXX XXXX. Not sure why they would involve him in this matter. But they are doing any and everything to NOT VALIDATE this debt and show where I owe Diversified consultants and NOT XXXX.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

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

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I originally received the debt in 2015, which was in the amount of XXXX XXXX It's been going on 9 years and Ic systems reports it as a new debt every year and I can't get it taken off my credit report. Plus the debt has grown to XXXX $ since then
Product: Credit reporting, credit repair services, or other personal consumer reports

Moneylion had taken out loans in my name..because I donated {$50.00} to XXXX XXXX XXXXXXXX  to help musicians out because of the pandemic..they tried taking {$1500.00} out on my bank card..then they got loans to get the {$1500.00} then damaged my credit..I don't live in XXXX XXXX transition dispute XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. File # XXXX Money lion Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have a bunch of different amounts in my name..I have had my credit ruined..my car insurance went up..I had a card that was canceled on me because of them and I can even get another car because of this...
Product: Checking or savings account

I called multiple times to fraud department capital one to no avail. I used a private number and theys said I never called. Which I did and they didn't want to help. Just close my account and keep my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found that my consumer rights have been violated. According to the fair credit act, 15 USC 1681a definitions state : rules of construction ( 2 ) ( a ) ( i ) states the rem consumer report does not include any report containing information solely as to transactions or experience between the consumer and the persons making the report. Late payments are a form of transaction and utilization is an experience created by credit usage. XXXX is reporting late payments on several accounts : XXXX 's XXXX - Student loans and/or utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report un the the following circumstances and no other, in accordance with the consumer to whom it relates. I at no time gave XXXX written instructions to report anything to my consumer report, let alone this payments/utilization. Also accord to 15 USC 1681 602 congressional findings and statement of purpose states, there is no need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy. it also states the banking system is dependent upon fair and accurate credit reporting. inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting method undermined the confidence which is essential to the continuous functioning of the banking system. The reporting of these late payments are not accurate and my privacy has violated due to Equifax violating my consumer rights by allowing these late payments/utilization to report to my consumer report! I am asking for immediate removal!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XX/XX/XXXX Account # XXXX XX/XX/XXXX XXXX Account # XXXX XX/XX/XXXX Account # XXXX XX/XX/XXXX XXXX XXXX Account # XXXX DEPT OF EDUCATION/XX/XX/XXXX Account # XXXX DEPT OF EDUCATION/XX/XX/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

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

15 U.S.C Section 604 A Section 2 : it's also states a consumer reporting agency can not furnish an 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 containing any 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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX I 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im attaching a ftc report to my complaint I made already some one been applying using my information I have numerous inquiries that I did not apply fraud 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 was checking my credit report and I noticed inquiries that I had not authorized. I have contacted the credit bureau several times and disputed these inquiries, but the only thing they say in return is that the company verified the information. How can you verify if I have not applied for anything? XXXX has listed XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX . Experian has XXXX XXXX / XXXX XXXX. XXXX has no inquiries reporting because that is accurate.
Product: Credit card or prepaid card

Repeated calls from XXXX today Tuesday XX/XX/2021. Did not answer first call ( unrecognized ) but answered 2nd call thinking it might be something important. Then : Distorted callers voice seemed foreign. 
Caller insists " we can lower your Discover Card interest rate. '' I asked " oh really, for which card? '' ( WE DONT HAVE ANY DISCOVER CARDS! ). 
Caller said " you need to tell me card number. '' I then ( stringing him on to see where he would go ) said " you know, the one you called me about. '' Caller said " the one you have with a 6 and a 0 in it. '' I then told him to we don't have a Discover Card & take me off your spam call list, to which he said " I can't do that. '' I then hung up.
Product: Payday loan, title loan, or personal loan

Sunlight complaint In XXXX XXXX, I signed an agreement for sunlight financial to finance my solar panel installation which was being completed by XXXX XXXX for approximately $ XXXX XXXX XXXX  did the initial installation ( panels etc ) in XX/XX/2022 but never completed all other required steps including state inspections. Regardless, Sunlight Financial proceeded to disburse funds to pink energy without first confirming with the person on the hook for repaying the loan to confirm the project was substantially complete. Fast forward - the solar system is not functioning due to incorrect installation but sunlight Financial has refused to admit wrong doing and stop payments. Multiple attempts to get them to reason and admit their lack of internal controls has resulted in this predicament has proven futile. Sunlight should have asked me to confirm completion of project prior to disbursement of funds. XXXX XXXX is now defunct and as a result, Im stuck with repaying a loan for something that does not work.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you look at several complaints that I have filed with your office concerning Equifax reporting incorrect information on my consumer credit report. I sent several copies of my driver 's license and a copy my current utility bill. Equifax is still reporting incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to protect my personally identifiable information and that of my family. In order to best prevent the misuse of this information with the credit bureaus, I must pay {$10.00} for each bureau to freeze my credit reports for a total of {$30.00} for each member of my family. This creates a significant expense not only for my family but for the approximate 143 million Americans impacted. While many states have laws preventing the collection of this fee, this is no universal. If everyone freezes their report with XXXX and must pay this fee, this breach could generate a potential revenue " wind fall '' for XXXX. Additionally, Experian and XXXX could similarly profit. XXXX, especially, should not be allowed to profit from their negligence and failure to provide " due care ''. 

Additionally, removing a freeze creates similar charges as does reapplying the freeze after applying for credit. There is also a cost in time for completing the freeze and removal requests.
Product: Checking or savings account

On Monday, XX/XX/XXXX at XXXXXXXX XXXX ( XXXX time ), my account was hacked. The associated email was changed, and XXXX euros were transferred from my account to another account within the same institution. Around noon of the same day, I received an email about an attempted login to my account. In the afternoon, I started receiving several notifications from the application. When I tried to log in to see what was happening, I couldn't access my account anymore. I attempted to recover the email by sending my photo with the requested document, but the verification was rejected. I tried this twice, and both times were rejected. Later, I received an email confirming the email change, and a few minutes later, I received a notification about the completed transfer.
Product: Checking or savings account

My checking account was debited {$15000.00} by Affirm.com through ACH. I tried contacting them to see how or why this happened and they would give me no information due to the fact that I have no account number. Affirm.com has no customer service number published and it took forever for me to get in contact with them.

Same thing happened with XXXX XXXX They ACH withdrew {$1000.00} and then another {$9000.00}. And this company has NO WAY of contacting them. No toll free number, and you can not contact through email because the only way to initiate contact is if you have an account number. This should be illegal if they are a lending institute, you should be able to contact a customer service number for help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX had a massive data breech, and they sent me a letter saying that my information was compromised. Also, my credit monitoring service reported that my information was leaked on XXXX XXXX XXXX  data XX/XX/scrub> XXXX XXXX XXXX on XX/XX/year>, and XXXXXXXX XXXX XXXX. These are all large, recognized organization, which these data breech have widely been reported. After the XXXX XXXX XXXX breech I noticed unusual reports on my credit, and I have started to take action on this identity theft issue on my credit profile.
Product: Credit reporting or other personal consumer reports

Recently I pulled my credit report because i was denied for auto refinance and was curious why. To my surprise I noticed a few errors not limited to my social security number being listed wrong on my Experian credit report, multiple inquiries I did not approve, accounts that are now in collections that I did not approve and late payments that are not validated. I need the accounts attached to the incorrect social security number deleted and my social updated to the correct. Also, any fraudulent accounts now in collections also need to be deleted due to fraudulent activity and not being validated. 

In accordance with the Fair Credit Reporting Act ( 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 an account without my written instructions.
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. 
XX/XX/XXXX: # XXXX, XXXX XX/XX/XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XX/XX/XXXX : XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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

Hi, I would like to complain about accounts that I have in my profile, the point is that these are not my accounts but they are reported by mistake in my credit report. I kindly ask you to delete them all please.