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

In accordance with the Fair Credit Reporting act 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 a account without my written instructions. 


In accordance with the Fair Credit Reporting act 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 sates a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan

Interest charges keep changing. They are getting higher and higher and I am given the run around why this is being charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... I have also been affected by the Equifax data breach and believe it has gotten into the wrong hands.
Product: Checking or savings account

I NEED MY ACCOUNTS UNFROZE. I have XXXX in my accounts from my PPP loan. My account has been frozen for a whole week after NAVY FEDERAL APPROVED ME. I have kids and I need my money. I just please ask can they unfreeze my accounts please.
Product: Debt collection

XXXX XXXX XXXX is stating that I have missed eight payments and I opened this account. I have informed every agency about my identity being used to open this account. Please correct on my Equifax report that I have not been late and that someone has used my identity to obtain this account for credit. This has severely damaged my credit reports. The fair and honest outcome is to correct this information/account with Equifax, XXXX and XXXX.
Product: Credit card

Dont recognize this company at all. Looks like it was a card under my name. Ive only ever had a XXXX XXXX credit card.
Product: Checking or savings account

On XX/XX/year> I received a letter in the mail advising that my overdrawn USAA bank account ending in XXXX has been paid in full. The letter advised I was mailed a check for {$15.00} for the balance in the account at the time it was closed. This letter also advised USAA will provide updates to consumer reporting agencies about the status of my account. 

Before I received this letter I was never made aware of a overdrawn account & never made aware that my account ending in XXXX was charged off. 

On XX/XX/year> I contacted USAA to discuss the account and was told multiple letters were placed in my online banking portal, where my statements are located. They also advised no calls or other communication was made to inform me of my account status. 

I feel that USAA is unfair in not contacting me by phone, text or written letter to my address to inform me of my overdrawn account and potential charge off status. I feel that USAA is misleading and predatory by steering members to subscribe to electronic communication and not utilizing all forms of electronic communication ( text, email, online banking, etc ) when accounts are overdrawn. 

I feel that I was given no legitimate chance to bring this account current prior to charge off and prior to reporting negative information to the credit bureaus.
Product: Debt collection

I have dealt with XXXX XXXX XXXX twice due to two previous complaints on this same matter. Hes supposed to handle CFPB complaints for Bank of America ( B of A ). Bank of America XXXX  card has continued to find that Im responsible for fraudulent charges made to a XXXX card under me ( XXXX XXXX ) back in XXXXXXXX XXXX XXXX  nearly a year ago. Although I did apply online for this card, I never utilized this credit card nor did I activate it. After long months of continuing to open fraud claims on the same matter ( XXXX XXXXXX/XX/2022 ) with BofA, filing a police report with the XXXX XXXX XXXX ( which I provided ) and filing a complaint for the second time with CFPB and dealing once again with XXXX XXXX I was finally informed over the phone by XXXXXXXX that this time the investigation concludes the funds in the amount of XXXX were deposited to, and I quote XXXX XXXX credit card under your name XXXX XXXX. These findings are inaccurate. 
I have proof in the form of bank statements which I requested/received from my XXXX XXXX credit card covering XXXX and in none of these will you find the claims B of A is making to. Im not sure why they cant seem to figure out how to do their job but it is affecting me.
Product: Money transfer, virtual currency, or money service

i have do everthing i post compaint here 2 times but still paypal is not doing anything help me in that case the problem is same company is not ready to listen they are scamming peoples
Product: Credit card or prepaid card

On XXXX XXXX chime closed my account due to a reversal charge back in XXXX XXXX XXXX XXXX XXXX my direct deposit was sent to that account instead of returning it to my employer they deposited it after my account was closed. I have messaged chime customer service every day sometimes 5 times a day with no resolve but to tell me I need to email chime. Ive even reported them to the XXXX XXXX XXXX which they responded to them with they will refund my money to me after I send them a copy of my bank statement and my drivers license which I have complied with. All I get from emailing and calling is the runaround email tells me I have to call customer service customer service tells me I have to email my money is not being refunded Im not getting any explanation on why theres a hold up after Ive complied with all of the requests. Today I received a email saying that they have not heard from me so they are Closing my request for information today alone I have emailed them three times Ive emailed XXXX XXXX XXXX again today telling them that Im not getting anywhere with them all Im asking for is that {$600.00} that is mine my bills are not getting paid because they will not refund my money Im hoping you can help me I have every email theyve sent me Ive contacted my bank and they have never heard of anything like this and they cant help me they said because they dont know how to deal with chime
Product: Mortgage

Had a mortgage loan with Wells Fargo. I got a letter from them stating that my payment hadn't been paid for several months. They were starting foreclosure on my home. I got my records for a year my payments were never late or even in the grace period. At that time they wanted it paid in full. So I started the process to have it refinanced at another bank. At the time I had five years to pay for my home.
Product: Credit reporting or other personal consumer reports

My Experian credit file, reference number XXXX, generated on XX/XX/2024, clearly shows that Experian did not complete a proper investigation or update the inaccuracies related to my XXXX loans with XXXX XXXX Despite providing substantial proof multiple times to support my claim, Experian has consistently failed to correct the incorrect reporting of my student loan payment history. I have also lodged several complaints with the CFBP documenting Experian 's negligence. This ongoing inaction is a violation of the Fair Credit Reporting Act ( FCRA ). Upon reviewing the results of Experian 's investigation, it is evident that no proper investigation was completed. This has resulted in no updates or corrections being made to my credit report, which continues to reflect incorrect information. The failure to update and correct my XXXX loan payment history is not only frustrating but also damaging to my creditworthiness. Experians inadequate handling of my dispute is unacceptable and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was rejected a credit card application due to SSN fraud alert that I couldn't resolve due to covid issues at the time. 
On XX/XX/XXXX, a new job couldn't run background check completely due to a fraud alert " Input SSN likely not issued prior to XX/XX/XXXX '' so I was held behind in the process for XXXX weeks and the background check came out inconclusive regarding my SSN although i provided the job my copy of SSN and was able to work but it was a hazzle. 
On XX/XX/XXXX, I was denied a lease agreement due to credit report coming out as High Risk, not trusful. I was required to get a cosigner when I don't have anyone to help me with that so in order to be able to rent I had to pay more and my credit score was useless after all these years of working to improve my credit. When I needed to use it, it created me more issues. All of this is preventing me to have access to regular services and leasing. 
On XX/XX/XXXX. I applied for Internet services with XXXX. They holded my credit again and told me because my social is not correct. I told them my numbe and XXXX said it was weird that XXXX would set a high risk alert since my information was correct, but for procedures they would still need copies of all my information and ssn.

I need this High Rish fraud alert to dissapear. It is preventing me from having services and a normal life. The covid situation is already difficult and this is too much. First of all. I didnt commit any fraud. Secondly, as an inmigrant there is obviously a reason why the social wasn't issued before XXXX, so it shouldn't create an alert of high risk. I need to move on with my life. I need things to work, I deserve that since I worked so hard to keep my score clear so when I need it, I would get services available.
Product: Debt collection

In XX/XX/2019 I received a letter from XXXX XXXX regarding an alleged debt for a private student loan. I was unaware of any private student loan in collection or not paid since all of my student loans were transferred from College Loan Corp to XXXX. I checked my credit report and XXXX XXXX is reporting this alleged debt as a collection. I contacted XXXX  XXXX and requested documents verifying this alleged debt. XXXX XXXX sent me copy of the promissory note dated XXXX. I called XXXX XXXX and explained that it has been 13 years since the date of those documents and they have exceeded the legally allowed time to report this alleged debt to the credit bureau. They said that the debt became due sometime after that date. I have requested documentation proving that this debt became due or was paid at any point to support their reason for continuing to report it to the credit bureaus and they have failed to provide documents. It has now been 8 months since I have been requesting proof and they have not been able to provide any proof and yet they continue to report the debt to the credit bureaus despite this alleged debt being 13 years old. At this point I am looking into hiring an attorney to handle this matter as the XXXX XXXX inaccurate credit reporting is now causing me monetary damages.
Product: Credit reporting or other personal consumer reports

To whom it may concern, My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was inaccurate, which surprises me because you should adhere to the FCRA and applicable XXXX XXXX data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  Account NumbeXXXX The XXXX data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent Capital one a letter regarding an alleged account requesting validation of this account,. On XXXX Capital one responded with a letter requesting Last XXXX digits of the alleged account number, full social security number, as well as other information. If they are reporting a charge-off account on my credit report, per Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), they are supposed to provide me with this verification and prove that the alleged account belongs to me. This is a violation FCRA and FDCPA. Ive included the response letter and a copy of my credit report showing the alleged account.
Product: Credit reporting or other personal consumer reports

Transunion alleged they verified the account XXXX but they have provided no documents or information for me to follow up with to validate this collection furthermore I have no obligation to pay a debt therefore they can not report this account because I didnt sign any documents that would require repayment. A court must rule that the debt collector has a judgement against me to be able to add it to my consumer report. What Transunion is doing is selling my information which is why they refuse to remove this account they make money by selling consumer data but they need my expressed or written consent for this service. Transunion commission file number XXXX and by their own sec filings they use consumers information only for profit which makes their decision to report this incorrect basis which is why they claim to have verified a collection that is impossible to verify when I never received any type of service or good from this business.
Product: Credit card or prepaid card

I had an unemplyment card i used for about a month and had a problem with a purchase and disputed. They sent me a new card which had aboyt XXXX $ on it and transfered after i activated my card and went to use my money it then told me i had a negative XXXX. Its a prepaid card and in my list of dos and donts it clearky says no overdrafting allowed and no negative balance at any time. Im XXXX pregnabt and doing this shooping for.baby beforee i cant and theyve made it hard to even eat.
Product: Debt collection

The account on my credit report is NOT mine. The account was not opened by me. Under U.S. code 15 1692 c ( c ) states that if a consumer in writing tells a debt collector that they do not want to pay a debt or want the debt collector to stop contacting them, the debt collector must stop contacting them about that debt. This debt is not mine and is degrading my credit, also I want this debt removed from my credit line.
Product: Student loan

I never agreed to be entered into the XXXX 's XXXX XXXX, and because the government put me in forbearance without my consent, I have been eligible for public student loan forgiveness as of XX/XX/XXXX because I have worked full time under the XXXX plan since XX/XX/XXXX. It is now XX/XX/XXXX, past the 10 year eligibility for student loan forgiveness. I have submitted multiple complaints, talked to multiple representatives that state they do not know " what the XXXX is going on '' and they can not help me or provide accurate information.I spoke to representatives from XXXX and Mohela loan servicers. I have applied for buy back forgiveness several times with no response.I have applied for student loan forgiveness every month. I do not think its right for borrowers to be pushed into forbearance without consent causing accrued interest with time going backwards against our eligibility for XXXX. This loan balance negatively effects our credit report and debt to income ratio that makes it difficult to take loans out for housing, buying a car for transportation to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from a company I dont even have an account for and I dont remember applying for.
Product: Credit reporting

There were XXXX hard credit inquires from " XXXX '' and " XXXX XXXX '' on XXXX XXXX, XXXX. I have credit monitoring services through XXXX and XXXX XXXX. I called XXXX and the representative contacted XXXX XXXX and connected me with them through three-way calling. The XXXX XXXX representative stated that they have no record of me applying for a recent loan. In fact, the XXXX XXXX representative stated that XXXX XXXX records showed a delinquent debt that was resolved through Chapter XXXX bankruptcy. I filed for chapter XXXX bankruptcy on XXXX XXXX, XXXX and the XXXX XXXX debt was in the bankruptcy, which was discharged on XXXX XXXX, XXXX. There is no way that I would apply for new XXXX XXXX payday loan after receiving the discharge. I 'm not sure what happened, but I have XXXX hard inquiries on my Equifax credit report that I did not authorize or initiate.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XX/XX/year>, and XX/XX/year> XXXX XXXX Acct Number : XXXX reported late payments to my report. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions between the consumer and the person/Corporation making the report are not to be included on the consumer report yet this information is being reported to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letters were sent to the credit reporting agencies regarding account XXXX XXXX  due to incorrect information. I am requesting that this account is removed due to its many inaccuracies. How is different information reporting when all data furnished should be the same. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report showing the different information you are reporting for the same account number. The account that I am disputing is highlighted.
Product: Credit card

On XX/XX/XXXX, I attempted to rent a XXXX XXXX XXXX from XXXX XXXX XXXX at XXXX with confirmation number XXXX. They handed us a car key with the blade extended and told us the car was outside. After we went outside, only one XXXX XXXX XXXX like the one we were shown was parked outside. I used the key to unlock it, and once I turned the key, it got stuck in the door and couldnt be removed, which should not happen to any car with no pre-existing problems. XXXXhree men immediately came out of the office, accusing us of causing the damage, which we firmly denied. The manager tried to get me to sign a document admitting I caused the damage, but I refused. I called the police right away. While we waited for the police to arrive, which they never did, the manager unauthorizedly charged my card {$1000.00} and {$1500.00} behind my back. When I saw the charges and confronted him, the manager failed to provide any proof or justification for the total {$2500.00} and refused to provide a refund. The next day, he sent me a self-made {$1000.00} damage invoice and asked me to sign it, promising to refund the other charges if I did. I refused to sign this as well. This is clearly a case of fraudulent practices by Priceless Car Rental. 

I submitted a dispute to Chase on XX/XX/XXXX, via phone, but they closed it without any further information or resolution. Despite explaining the situation and attempt to provide evidence, Chase did not adequately address the fraudulent charges. I am seeking a refund of the {$2700.00} in unauthorized charges and proper handling of my dispute.
Product: Credit reporting or other personal consumer reports

Bought a new car, the dealership was supposed to pay of the loan on my current car. Dealership waited too long to pay. Now I have a delinquent account because the loan was paid late by the dealership.
Product: Credit card

Please review the attached documents. I'm requesting the bureau to commence an investigation into these accounts, which falsely portray me as late in payments.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXXXX/XX/2023
Product: Checking or savings account

sofi promised {$75.00} bonus for getting a {$500.00} or more direct deposit. I got ad driect deposit for {$500.00} on XXXX yet the bonus did not credit
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. I request that the accounts be removed from my credit reports as well ( including but limited to XXXX, Experian, XXXX ).