23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. 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 report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any Items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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 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, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card XXXX which was CLOSED BY CONSUMER in XX/XX/2022 pursuant to my phone call made to XXXX. XXXX has willfully violated the FCRA by failing to promptly report the account as CLOSED BY CONSUMER on my credit reports. My credit reports for XXXX, XXXX and TransUnion still inaccurately list my account as OPEN. Even though I have a perfect payment history ascribed have never been late, I demand statutory damages of {$1000.00} for willful violations of the FCRA for failing to timely report my account to any CRA as CLOSED BY CONSUMER as required. I therefore DISPUTE any stale balance which is now {$0.00} after providing a credit of {$1000.00} for statutory damages. Therefore, I demand that my credit reports contained the required caption of Account DISPUTED BY CONSUMER and that the closed and disputed captions remain permanently on my credit reports even if XXXX disagrees so that additional willful violations can be avoided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is out of line. First they cause this massive data breach and offer to give a bogus identification theft program the CEO couldnt even face congress and weeks later he stepped down with his  Millions in severance personal payments knew about the data breach and before he sold his stocks before making contacts with congress or the American People! They refuse to block items that are Fraudulently placed on my credit bureau ( Equifax being the only one not cooperating ) XXXX XXXX and XXXX have been fantastic. Equifax needs to be held to a higher standard of removing the Fraudulent Accounts. I believe this is XXXX XXXX on Equifax part and they are out of compliance.
Product: Credit card

Chase reduced my credit limits shortly after increasing them all. 

This does n't sound like a lot. But it is because other banks did the same purely because when chase reduced my limit it pushed my credit usage up. My usage was about 35 %, it 's now over 50 %. Not because of new balances, but because of limit decreases. 

The full story is that I got a {$500.00} limit on a credit card for balance transfers. It was an error. This limit was wrong. I applied for other cards from chase and was awarded over {$17000.00} in limits. After a year in customer service with them I got to the chase executive team who increased the {$500.00} card to {$12000.00}. A few months later ( literally nothing changed to my credit report ), and purely because of when their automated system checks, my limits were slashed across the board to a few dollars higher than my balance. My usage on these cards went from under 30 % to 99 %. And according to chase, that 's just fine. They have absolutely nothing to do and have done nothing wrong to me. 

XXXX XXXX XXXX, XXXX and others have done the same. It 's sickening. I watch the credit I have worked years on be treated like a child 's toy by these companies. I have never made a late payment, have 12 years of history, had XXXX % usages ( and was paying those down. The way people look at reports these days though this change in my usage has come with a ONE HUNDRED point drop in my credit score. It 's effecting my businesses, my personal finances and my sanity. I feel like since I 've done nothing wrong but fit into their automated " you lose '' machine somehow and the reps of the company I 've spoken with either are n't smart enough to see this as an outlier or do n't have enough authority to correct it. 

I 'm posting this here not because I think anything will come of my own finances. Obviously, these banks do not care and I have no chance of rectifying this situation. But I hope by people knowing about it that something in the future can be done. I feel like since there are so many regulations regarding what else they can do that this is their only way to XXXX me and thus they do it. It 's a bait and switch. Here 's {$30000.00} ... oh wait just kidding ... it 's {$8000.00} ....
Product: Credit card

On XX/XX/XXXX, a security was submitted to this company 's Trustee for the purpose of satisfying the outstanding obligation pursuant XXXX  3-603 and XXXX  3-604 . The instrument was tendered in good faith and with the intent to discharge the debt in full pursuant XXXX  3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt. My account was not adjusted properly. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, FINRA, XXXX and XXXX rules and guidelines in relation to handling securities. So, once the forensic audit proves my XXXX number is being sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of potential securities fraud.
Product: Checking or savings account

XX/XX/2019 I had let my son use my XXXX so he could use my Gas Credit Card that was attached to my XXXX XXXX! Well he accidentally used my Chase debit card in my XXXX XXXX  wallet. So needless to say all night he was filling up small engines with gas ( Generators, Gas Cans, Etc.. ) well in the morning he comes home and I than realized he used the wrong account not every time but enough to overdraft my account by a couple hundred dollars! I immediately called the bank to let them know and aware of what happened, they seemed to understand and I asked if they could help me with the NSF fees as my account was almost negative {$500.00} dollars and my XXXX check is only {$480.00} every 14 days so the guy said Yes we will waive any and all fees that appear on the account from these transactions. So, I was relieved for that up until my check goes in direct deposit and I still had those fees on my account so I called and talked on the phone for 1.3 hours and transferred minimum of ten times and was lied to at the end just to get me off the phone is what I got from it and still no fees taking off. I called again 35 minutes and got told cant do anything I reached maximum fee reversal allotted!?! What!?!? So than called later and than they told me I had to cancel my dispute I had from prior to all this just so the guy can move forward with assisting me and than was told I would get 2 reversed ( So obviously I didnt hit maximum, so theres one lie I caught them in ) and so I said fine whatever I wont eat for two weeks than. Well hang up and it has been 25 in a half hours and that credit of two fees still not applied and called and was told it takes 7 to 10 business days before it will reflect on my account!! Are you serious but before it was instant, Another Lie!! Needless to say Highway Robbery and Bad Business
Product: Credit reporting or other personal consumer reports

Submitted Identity Theft Report however, Transunion requested I complete a " Transunion Identity Theft Victim Assistance Affidavit. '' Please note my identity theft report from the FTC which I attached is complete and complies with 605B of the FCRA, which I submitted previously to Transunion before Transunion requested this document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score on all three credit bureaus and noticed that there is a XXXX points difference on Equifax credit score. All Credit Agencies have the same accounts. Why is Equifax score XXXX points below the other credit reporting companies?
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates are reporting different on my credit report XXXX account # XXXX XXXX15 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 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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporter act conversion account XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporter act conversion account XXXX XXXX XXXX Account # XXXX has violated my rights, In accordance with the fair credit reporter act conversion account XXXX Account # XXXX has violated my rights, In accordance with the fair credit reporter act XXXX account XXXX XXXX has violated my rights. 

15 usc 1681 section 602 8 states I have the right to privacy.

15 usc 1681 section 604 a section 2 also state a consumer reporting agency can not furnish your account without my written instructions
Product: Student loan

I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has 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 has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX 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 XXXX more than 21 times. XXXX 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX states on remarks that a payment was made after charge off trying to make my report as bad as they can which is a violation of the FCRA this trade line must be deleted at once to keep up changing my report to read bad when its paid off by canceled 1099c pprove is in the letter theey wrote to me charge off date XX/XX/2022 last payment was on XX/XX/2022 so where is the payment after charege off delete this trade line
Product: Payday loan

XXXX separate loans payed on XXXX separate dates were combined into a lump sum without my approval
Product: Checking or savings account

Ally Bank ( Account Owner : XXXX XXXX ) is claiming that fraudulent activity is being performed with my account ( without checking with the account owner that the activity was fraudulent ) and is freezing access to the account until an investigation is complete, which could take several weeks to several months to complete. Meanwhile there is no supervisor that can be talked to, no storefront to go into and the employees do not have any identifying information ( such an employee id, last name, email or phone number ). 

They will not close the account, allow me to login, or perform any actions that will allow me access to the cash in my savings account. They are holding my cash hostage for an unknown amount of time. There is currently almost {$12000.00} cash in the account, which I need to pay rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent documentation to all 3 credit bureaus showing that XXXX XXXX XXXX finance was paid off in full by my insurance company and they have not removed the negative comments that is defaming my character. This auto loan was taken out in XXXX. 
I totaled this vehicle on XX/XX/XXXX. Bureaus are reporting this account as being in a bankruptcy in XXXX. How was this vehicle in a bankruptcy in XXXX when it was totaled and paid for in XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my equifax free anual credit report. Received a " request for proof of identity '' which I replied back ( I believed a normal procedure cause it 's a new account ) including my SSN and a bill for address proof. 
Received 15 days later two credit reports ( with a submitted date difference of one day between them ), the first 14 pages, the second 18 pages. 
the second one ( dated one day later ) explicitly said on the first page : " We are please to let you know that the results of the dispute you recently filed with Equifax '', which I never did, it 's my first credit report.
The following personal information was inaccurate on both reports : last name, DOB. 

Opened a dispute online, got a confirmation number valid to check till XX/XX/2017, and ca n't check status on the webpage ( https : //www.ai.equifax.com/XXXX ) not responding and over the phone with an " unable to check the status '' msg. I tried every day since I 've got the email confirmation about the dispute resolution ( XX/XX/2017 )  with the same results. 
Got denied at least 4 times from different financial institutions that get the reports from Equifax probably cause of this inaccurate information. This is impacting in my credit and financial ability and I have no response from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts # XXXX, # XXXX, # XXXX have 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.

15 U.S.C 166B A creditor may not treat a payment on an account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information from National Credit Adjusters on my account is incorrect. They show an opening date of XX/XX/2020. I HAVE NEVER OPENED AN ACCOUNT WITH NATIONAL CREDIT ADJUSTERS, not opened one in 2020. Experian failed to do a through investigation and update the false information on my account.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$730.00} -late/closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance Owed : {$1100.00} XXXX
Product: Credit card or prepaid card

I have a Amazon Rewards Chase VISA card. I have the " auto pay minimum balance '' feature turned on for the account so the minimum payment is made in case I can't pay off the current balance. 

On XX/XX/XXXX, I used my smart phone app to schedule a payment to pay off the current balance of {$630.00}. I selected the amount to pay ( {$630.00} ), I scheduled the payment for that day, I authorized the payment. I then closed the app. 

On XX/XX/XXXX, I used my pc to log into my credit card account. I saw that the balance was not yet paid, and then I logged out of the account by closing my browser. 

On XX/XX/XXXX, I checked my account balance, it showed a credit of {$630.00}. I looked at the payment history, and it showed ( 2 ) payments of {$630.00} from my checking account. 

I have to add that the auto pay is not scheduled to pay the minimum until the 7th of the month. 

I called the credit card customer service department, they said the activity time stamps show that I made the XXXX payments on XX/XX/XXXX and XX/XX/XXXX. 

I REPEATEDLY TOLD THEM I DID NOT GO THROUGH THE PROCESS OF PAYING THE CARD BALANCE ON XX/XX/XXXX. 

They would not listen to me and refused to immediately refund the {$630.00} credit back into my checking account. The only recourse I had was to elect to receive a reimbursement check that would take 2 weeks to receive. I would not be allowed to use the credit card during this time. This recourse makes no sense to me. 

This is not the first time this has happened. This same sequence of events also occurred the previous billing period. 2 payments of {$200.00} were made on XXXX & XX/XX/XXXX, and I ended up with a credit. At the time, I couldn't remember going through the process of making the 2nd payment, but chalked it up to my making the mistake. I didn't report this to Chase at this time.

So, I have 2 payment situations that I believe are caused by some software glitch in their system. Even though their data contradicts it, I KNOW that I didn't make the second payment of {$630.00} on XXXX XXXX
Product: Debt collection

This company has been calling for quite some time. Usually XXXX-XXXX times a day harassing me, even calling from blocked numbers or different numbers. Usually the calls would start around XXXX and end around XXXX central time. They have threatened me to sue and have told me they will charge 20-30 % interest. I 've lost my cool and told them off multiple of times to leave me alone. I will not pay a debit that 's outrageously false. Yes I believe I owe the debit but there were fees that were false. The apartment charged me a clean up fee and some other outrageous fees. I had XXXX pieces of furniture, I was never home and I 'm clean. So no way there should have been a clean up fee. Anyhow, these debit collectors keep calling harassing me about the bill and I was willing to negotiate what I believe is owed. Ive told them to leave me alone if they were unwilling to negotiate and continued to threaten me. I 'd hang up and they would call back like 5 mins later if that! Not to mention they one day decide to call me and say I owe interest like oh hey.. the extra is for 8 month interest???? Why did n't they call me 8 months ago? How is this even legal!???? I believe I should pay what 's owed not what they think I owe ... ever since then I 've blocked a lot of there numbers ... I ca n't talk to people who try to pressure you to pay XXXX dollars for something less than 2k
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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