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 : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : UPGRADE XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX 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 Account Number : XXXX and list of Inquiries. 

XXXX5 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 XXXX 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 card or prepaid card

I would like to comment on an unethical and inequitable banking practice that is legal and ubiquitous in the industry that financially disadvantages the least advantaged. 

This is the kind of issue that would require legislation to solve. Allow me to describe this as clearly as I can. First some facts as I understand : XXXX, I have XXXX forms of personal credit debt. 
+ Purchases + Cash Advances + Balance Transfers Each of these categories of credit has different interest rates. 

Each category of credit shows up as a separate fee on my statement. 

All three types of debt are expressed as a single balance. 

I am charged " fees '' XXXX every month rather than a single fee for the total balance. One for each category. 

Borrowers can not pay off individual categories of debt. This is an inequity. And probably unethical. At a minimum, it is crippling financially to the entire population. Lenders separate these categories with different terms, yet borrowers can't. How is that fair? 

So, if I borrow {$40.00} in a Cash Advance it is added to my debt of {$10000.00} from Purchases. The amount owed is {$10000.00}. There is then an additional fee of {$20.00} on my statement for interest. Let 's say my usual monthly contribution is {$100.00}. But, this month I pay my usual {$100.00} + the {$40.00} I borrowed + the {$20.00} fee. That's {$160.00}. 

And yet, I still see that {$20.00} for a Cash Advance EVERY MONTH until the ENTIRE {$10000.00} is paid off. They keep charging me at that addition ( higher ) interest rate on money that was NOT borrowed as a cash advance. 

In summary, I could end up paying $ XXXX on a {$40.00} cash withdrawal. How is this honest? When is enough enough? 

So, ok I transfer {$1000.00} to my card. Now, every month I have XXXX fees of {$20.00} to equal {$60.00} in monthly interest fees... forever ... even if I return the {$1000.00} and the {$40.00} plus interest within a month. Again, why should the {$10000.00} on XXXX be charged interest XXXX ways when those debts were paid off? 

How much money will I lose on the {$40.00}? I'm no accountant but it's more than anyone would borrow if they knew! 

Now, I also have transferred a balance. It works exactly the same way as Cash Advances. I thought I was being clever by consolidating my debt. That was a disastrous plan. What are the incentives to transfer a balance? I can't think of any apart from saving 5 minutes on paying two lenders every month.
Product: Checking or savings account

Marcus Bank ( Goldman Sachs ) sent me an email dated XX/XX/year> promoting a special promotional CD term ( XXXX ) at 5.40 % APY. According to the email, the offer expires on XX/XX/year>. Nowhere in the email does it state that the applicable rate is 5.40 % APY or the then best available rate - i.e., the 5.40 % APY rate should be honored through XX/XX/year> as expressly provided for in the email. 

I have had XXXX CDs mature recently - one on XX/XX/year> and the other on XX/XX/year> - where I attempted to obtain this special promotional CD term and rate, however, I was denied the 5.40 % APY rate in both instances by Marcus representatives. I called Marcus to request the 5.40 % rate on the XXXX maturing CDs on XX/XX/year>. The first representative ( XXXX ) would not honor the 5.40 % rate so I elevated the matter to her supervisor ( XXXX ). The supervisor would not honor the rate either so I requested that the matter be elevated higher. I was advised by XXXX that someone would get back to me within XXXX business days. I received a call back from XXXX XXXX XXXX ) on XX/XX/year> and she also would not honor the 5.40 % APY rate. Once again I requested that the matter be elevated, but I never heard back from XXXX. 

As a result, I received a 5.15 % APY rate ( XXXX  months ) on the CD maturing on XX/XX/year> and a 5.00 % APY rate ( XXXX  months ) on the CD maturing on XX/XX/year>. I respectfully request that the CFPB require Marcus Bank honor its promotional XXXX CD rate of 5.40 % APY as promoted in its unsolicited email dated XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ct. XXXX, Florida, XXXX ( XXXX ) XXXX XX/XX/XXXX Dear XXXX, I, XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. 



1. XXXX Inquiry date XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 3.XXXX  Inquiry date XX/XX/XXXX 4.XXXX XXXX XXXX  Inquiry date XX/XX/XXXX 5 . XXXX XXXX XXXX Inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 7. XXXX XXXX Inquiry date XX/XX/XXXX 8. XXXX XXXX XXXX date XX/XX/XXXX 9. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 10. XXXX XXXX Inquiry date XX/XX/XXXX I am disputing these claims due to : I have no knowledge of these inquiries. These inquiries are Fraudulent and I am requesting that they be removed immediately. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Product: Debt collection

I am writing to express my extreme dissatisfaction and frustration regarding the fraudulent accounts that have appeared on my credit report. It has come to my attention that there are discrepancies in my credit history, which are entirely erroneous and damaging to my financial reputation. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 2nd attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to to correct the late open and delete the fraud items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the late open XXXX XXXX XXXX - be corrected and the following frauditems be removed from my credit file : 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 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 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

In accordance with the fair credit reporting act, The list of accounts has violated. My federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681 ... 
Account Names.. 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.. 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 items of information, other than records of Convictions of crimes which antedates the report by more than seven years. 15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I co sign on a loan for a friend to get a vehicle and they did not make the payments and got repo leaving me with the bill i contacted them to get info on it did not hear back i gave them the info on who they really needed to go after and still have not heard back
Product: Checking or savings account

-again and again more overdraft fees in my account even the funds are available and deposited before XXXX XXXX  like their representatives told to do. I called Customer service to sort this problems out but they always refuse to do so. This is the second time I write this issues to consumer bureau about excessive overdraft fees with TD Bank. The funds are always available before XXXX XXXX in my account. 
There is a class action lawsuit against them but they dont want to learn from their experience.
Product: Credit card or prepaid card

In XX/XX/XXXX I purchased a reloadit pack for the amount of {$500.00} dollars. I tried to load it to my prepaid card and I got an error saying we are experiencing technical difficulties and to try again later. So I tried again and again and I would get the same error. I contacted customer service and they told me to try a few things that ultimately did n't work. I filed a complaint to the BBB and I got a response from someone saying they issued a refund and I would receive it by XX/XX/XXXX I still have n't received the check that they mailed and I called them again and they said I would get a call back from a specialist and still have n't gotten a call back. I 've waited over a month now for my money back and am running out of patience.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the many unsuccessful attempts to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries continue to adversely affect my credit history, causing me significant distress and financial harm. I first identified the fraudulent items on my credit report. Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. This delay in addressing the issue has had severe repercussions on my financial stability and overall well-being. I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. An extensive investigation into the origins and validity of these accounts, which I believe to be the result of identity theft. Immediate removal of these fraudulent items from my credit report. An explanation for the protracted delay in resolving this matter and a clear outline of the steps being taken to expedite the correction process. Written confirmation of the actions taken to rectify this situation and a specific timeline for their completion. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate or fraudulent information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve this matter to my satisfaction. I am asking for your assistance to remove the following fraud items : Please help me remove these Items immediatelyXXXXXXXX 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 DEPT OF ED 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

In 2021 someone applied online to XXXX XXXX XXXX and took out a XXXX XXXX. This was not me. I found out about this fraud because the Department of Education filed a derogatory mark on my credit report for being 90+ days delinquent to repay approximately {$300.00}. I did not apply for Federal Student Aid, did not receive any money, did not apply or attend XXXX XXXX XXXX. I have completed all the appropriate paperwork and filed for a False Certification Loan discharge. They have denied it and now want me to submit four signature samples, a court verdict/judgment which I can not obtain as this isn't considered criminal identify theft. I need some assistance to get this resolved as I can not refinance my home due to this derogatory mark on my credit.
Product: Vehicle loan or lease

XXXX XXXX SHOWING THE WRONG CLOSING DATE FOR THIS CHARGE OFF, THEY PUT A NEW DATE AND YEAR FOR CHARGE OFF DEBT, DO TO THIS INCORRECT INFORMATION AND OTHER INACCURACIES IM ASKING FOR THIS DEBTTO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT. XXXX XXXX is in violation of privacy act 1974, I didn't give XXXX XXXX Consent to report my personal information I also don't remember doing any business with this company, do to XXXX XXXX violating my privacy rights, I have been Suffering XXXX  damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge-off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, Transunion and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions.l ask that XXXX XXXX XXXX XXXX to obey the laws of 15 U.S.C 1681 ( E ) B-15 U.S.C 1681 | ( 5 ). Preservation of consumers claims and defenses, unfair or deceptive acts or practices.
Product: Checking or savings account

Someone was taking my money each month from my checking account. 
The way that they charge me, is a subscription that I never ask. 
I told my bank about it but they said that was not possible, because I received benefits from this company. 
They supposed to do their research, but they still said that is not possible to recover my money. 
They just send me a letter about it, but they don't include any information about this company or the service they said I am getting benefits from. 
Thanks
Product: Debt collection

Sequium Asset Solutions , LLC or XXXX XXXX XXXX XXXX never provided information that shows I owed the debt. I wrote an letter to Sequium Asset Solutions , LLC to dispute the collection and haven't received an response.
Product: Debt collection

I HAVE BEEN IN COURT AND JUDGE GAVE XXXX XXXX IN XXXX WIN OVER COURT HEARINGS THEY WENT ON PROCEEDED WITHOUT ME HAVING ATTORNEY TO HELP. AFTER REVIEWING ALL THE CASE I FOUND THAT IT IS NOT MY DEBT, HE DIDNT PRESENT PROOF ONLY PAPER THAT CREDIT CARD CO GAVE HIM. ALSO STATE OF OHIO STATUE OF LIMITATION IS 6 YEARS TO FILE THEY DIDINT GET JUDGMETN XX/XX/XXXX FILED THEN JUDGE GAVE JUDGEMENT XX/XX/XXXX BIENG OVER TIME LIMIT OF OHIO TO COLLECT DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Student loan

I applied for a review of my income-driven repayment program XXXX. I received a letter dated XX/XX/XXXX sating there was missing paperwork. I mailed the proper documents that month. My credit score dropped 83 points in XXXX. XXXX XXXX claims the approval process for the IDR repayment program takes weeks and the company reported neg during the process. I asked why wasn't the IDR program started in XXXX instead of XX/XX/XXXX or at least when my paperwork was submitted to no answer. The loan is now in forbearance as it should have been until the IDR repayment program started instead reporting neg. I have disputed the reporting status looking regain the 83 point lost on my credit reporting angecies and XXXX XXXX should report the proper status of my account.
Product: Credit card or prepaid card

I submitted a request to Chase credit card customer service and requested a breakdown of charges/ credits and interest rate charges for the last 6 months because I can't balance my account and I believe that I am being overcharged on interest. 

Chase refused to provide a credit history. Only spending history, which I can see and I don't need. 

On XXXX, I got a message from Chase not to contact them anymore. However, I only reached out XXXX in the summer 2021 to get help. No success. and twice in XX/XX/2021 to get help. I do not believe that telling customers not to ask for assistance is the right attention to the actual question.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

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

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the items nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged 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 showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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

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 USC Code 1681eb. 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 XX/XX/2024 to be removed. 

They are not in compliance with the following law. 15 USC 1666b 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! 

15 USC 1666b ( a ) Time to make payments A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

XXXX has deleted inaccuracies, items that report past statute of limitations, and incorrect personal information- HOWEVER! 

XXXX and Experian WILL NOT follow suit with XXXX, my last claim they took almost 60 days. 

XXXX and EXPERIAN are reporting inaccuracies after I have made NUMEROUS attempts for them to fix it. 

XXXX and EXPERIAN are reporting items that are past their statute of limitations. 


XXXX - XXXX deleted in XXXX, but XXXX and Experian WILL NOT XXXX  - XXXX deleted in XXXX, but XXXX and Experian WILL NOT As well as inaccurate addresses and incorrect spelling of names/ relationships to people I have uploaded proof that Experian has deleted items and XXXX and XXXX XXXX to report