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 XXXX XXXX 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 or other personal consumer reports

I reached out to Equifax through mail with proof of my identity to correct the spelling of my name on my credit report on XX/XX/2023. I then followed up with a call on XX/XX/2023 to verify my information. Upon speaking to an agent I was told it has been updated and all middle initials were removed. I explained I have been receiving correspondence mail of my report addressed to an individual with the same name but a different middle initial than mine. I was assured it was fixed. I received my updated dispute/credit report in the mail on XX/XX/2023 dated XX/XX/2023 only to find that again it was addressed in the name I proved to not have been mine along with the statement " The results of our reinvestigation, your name is currently reporting correctly on your Equifax credit file. '' I have sent in a copy of a bill and drivers license to prove my identity and this bureau has been negligent against my personal information causing credit hardship, emotional distress due to lack of properly investigating, updating and documenting my credit report as requested violating my rights as a consumer.
Product: Bank account or service

After the recent news from Wells Fargo I decided to contact them about my experience. I was XXXX, looking for a simple account to put money in from an after school job. Some how I ended up with XXXX bank accounts and a credit card. I did not want these additional services and incurred additional fees because of this. I do not believe I should have ever qualified for a credit card, especially with the limit I had. I was told on the phone with Wells Fargo that unless I was contacted then I was n't part of the affected group. They additionally told me that I would be receiving a letter in the mail to follow up which I never received. The phone representatives acted like they had no clue about what I was calling about and like this was the first time they had heard about this.
Product: Credit card

Synchrony Bank issued a credit account through XXXX XXXX which was supposed to be a XXXX % interest account for XXXX months. XXXX months ago they started charging a $ XXXX month paper statement fee and a {$2.00} minimum interest fee. I did not receive or acknoledge that these fees would be added and my auto payment from my bank was not adjusted. I was then hit with a {$30.00} late fee because these extra charges were not seen and therefore not paid. I called and tried to get these fees removed and they credited my account for the {$30.00} but told me I still have to pay it. They also would not remove the {$1.00} and {$2.00} fees. I spent over an hour trying to figure out online how to stop paper statements. This was not easy and not obvious on how to do it. Synchrony is currently under litigation for these fees and are still charging them.
Product: Credit reporting or other personal consumer reports

Have been working on this issue since XXXX 2021. Could not close on my condo and sell it because of this lien. Loancare would not work on this issue with XXXX XXXX Lost 2 sales
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX XXXX, Account # XXXX. 

Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name XXXX XXXX Utility, Account # XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Account name XXXX XXXX XXXXXXXX XXXX, Account # XXXX Account name : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, and 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Checking or savings account

I have a CD which was maturing on XX/XX/XXXX. The grace period for this XXXX was ten calendar days after maturity or XX/XX/XXXX. On XX/XX/XXXX, I called US Bank at XXXX which is their XXXX XXXX XXXX and spoke to XXXX in that group. I explained to XXXX that I received a flyer in the mail from US Bank which advertised a special CD rate of 4.10 % APY for 17 months. XXXX told me that he would take care of moving my CD into this new special rate CD at 4.10 % APY for 17 months. He said that I would receive confirmation of this in the mail. When I did not receive anything in the mail, I checked online only to find out that my CD was never transferred out of its original rate of .05 % APY for 24 months. I have since called US Bank on three separate occasions, and have gotten assurances from them that this would be taken care of and I would get a phone call back from them. It was never taken care of, and no one ever called me back. On XX/XX/XXXX, I spoke to XXXX, who said someone would get back to me. On XX/XX/XXXX, I spoke to XXXX, who transferred me to a manager named XXXX. I was told that the Customer Care Unit was working on this and would resolve it and get back to me in 2-3 days. On XX/XX/XXXX I spoke to XXXX who told me that XXXX was working on this with XXXX and the number for this file/issue was XXXX. XXXX transferred me to XXXX and I got her voicemail and left a message. As of today, I have not received any satisfactory resolution, nor has anyone from US Bank ever called me back. This is unacceptable and extremely poor customer service. I am also losing a considerable amount of money due to the bank 's error, as my CD is still in a 24 month .05 % term and rate instead of the 17 month 4.10 % term and rate which I was promised by the Bank.
Product: Student loan

Initial federal perkin loan was with XXXX XXXX university for {$2100.00}. repayment start on XX/XX/XXXX and is paid periodically to a remaining balance {$1000.00}. Letter was received in end of XX/XX/XXXX for collection. However, I am unable to make payment to XXXX due to XXXX University changes its service provider. I had contact the new provider XXXX XXXX in middle of XXXX but they do not have my account and there is no way to repay my loan. 

In XXXX, I received notification from fafsa saying one of my loan is defaulted, upon check NSLDS, my perkin loan is defaulted in XXXX. I had contact XXXX XXXX on XX/XX/XXXX and they do have all my contact info ( including phone/address/email ) but they can not do anything regard to the account because the account had pass over to XXXX XXXX XXXX. 

XXXX XXXX and XXXX University had made no attempt to contact me regard to my loan servicer, loan status or payment options. Now that the account had pass to XXXX XXXX XXXX, I am subject to default charge and fees.
Product: Credit card or prepaid card

American Express Serve cards are prepaid cards treated as credit cards. In the meantime ruing credit worthiness while holding the consumers personal funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I have viewed my XXXX credit report and notice that there is an unauthorized inquire place in my file. This company has put a hard pull inquire on my XXXX. I have sent them letters explaining to them that I have not given any such authorization or signed any documents allowing Wells Fargo dealer service to RUN my credit. I have asked them in Both letter to provide me with A copy of the loan application with WET Signature. If they cant provide me with the information I requested, I ask that they remove this inquire from my XXXX Report. They have failed to provide this information and using stall tactics. This inquire still remain on m report.
Product: Credit reporting or other personal consumer reports

I see that XXXX, Equifax, and XXXX are reporting multiple XXXX  XXXX accounts somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my reports even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit reports. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, XXXX, and Equifax are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax, and XXXX are not maintaining reasonable procedures.
Product: Vehicle loan or lease

I am a victim of Santander Consumer USA XXXXhe Bureau of Consumer Financial Protection ( Bureau ) has reviewed the consumer credit furnishing practices of Santander Consumer USA Inc.

( Respondent, as defined below ) and has identified the following law violations : ( 1 ) Respondent furnished inaccurate information about consumers credit to Consumer Reporting Agencies ( CRAs ) that it knew or had reasonable cause to believe was inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent failed to promptly update and correct information furnished to CRAs that Respondent determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 2 ) ; ( 3 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) Santander continued reporting inconsistent information for years after being alerted to its errors.

31. Therefore, Santander violated section 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX still has my account as showing openon all 3 Credit Bureaus. When I paid a settlement agreement of {$500.00} to have this account closed. I signed the paperwork they sent me and said it would update in 30 days, it is past 30 days.
Product: Payday loan, title loan, personal loan, or advance loan

I have two inquiries on my credit report. One from XXXX XXXX b on XX/XX/XXXX and one from XXXX on XX/XX/XXXX. Both of these are from banks trying to get a line of credit. Awa collect is From a medical bill that I had from XXXX, but I had insurance during this time of the XXXX. So I dont know why they are trying to collect {$670.00} From me. Account number XXXX from date XX/XX/XXXX. XXXX collect account number XXXX {$720.00} from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, Where Experian has neither corrected nor removed disputed items despite the evidence. I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts below, as Experian 's inaction violates federal law and my rights as a consumer. 
These are the accounts that I have reported as inaccurate : Report number # : 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

Multiple tradeline-credit reports of the same student loan disbursement by two or more loan servicers [ =tradeline reporters ] are unlawful being duplicate reports of one loan by one-and-the-same lender ( here, XXXX XXXX XXXX ). That is, it is unlawful for one lender,  XXXX XXXX XXXX, to duplicate credit report the same loan simultaneously through more than one of XXXX XXXX XXXX subordinate/agent loan servicers, here, coincidental credit reports of one loan by both NELNET and XXXX XXXX. The lender for my federal student loans, legally distinct from mere loan servicer, is identified for each of my federal student loans in the National Student Loan Data System ( hereinafter, NSLDS, respective loan photocopy record pdf attached ). Duplicate loan reports by a single lender, Department of Education, are unlawful because duplicate loan reports double/more-than-double borrowers credit-reported-debt for each loan duplicated in the borrowers credit report. The borrower is not liable to pay unlawful duplicate-credit-reported debt, but said illegal duplicate report materially adversely impacts said borrowers credit worthiness ( higher interest rates, less favorable loan terms, etc. ), and lowers credit score. In my case, duplicate/triplicate-loan-servicers ( s ) -reported student loan debts make it impossible for me to obtain even minimal new credit from any bank/lender, i.e. despite no adverse credit act in my life, and middle class US-government-paid income, I am denied any new credit. Reproduced below are the duplicate reports by NELNET ( prepayment loan servicer, i.e. no payment was owed to NELNET/no payment was made to NELNET ) and XXXX XXXX ( hereinafter, XXXX, current loan servicer, to which repayment installments are made monthly ) of same disbursement/student loan reported in my most recent, XX/XX/XXXX,  XXXX, XXXX and XXXX ( hereinafter, Credit Reporting Agencies or CRAs ) Credit Reports : ( See two tradeline pdfs attached from NELNET and XXXX. ) It is evident from these two tradeline-reports within one CRA credit report for the same {$20000.00} student loan disbursement, that my actual legal liability ( now after 76 monthly payments to FEDLOAN ) on said loan is less than {$11000.00} ( 3 payments through XX/XX/XXXX, not shown ). Nonetheless, NELNET, a former servicer/never lender not owed any payment, illegally duplicate reports this oneXX/XX/XXXX student loan, so my credit report currently reflects more than {$31000.00} debt for said one loan, more than {$20000.00} of which is NELNETs fictitious unlawful duplicate reported debt I do not now/never owed. 
I have repeatedly disputed said unlawful duplicate reporting of my student debt to CRAs and NELNET, to no avail. To date, CRAs temporarily delete NELNETs disputed tradeline then illegally reinsert it at NELNETs unlawful oft repeated request. As legal lender and principal of both its agents, NELNET and XXXX, XXXX XXXX XXXX obviously bears ultimate legal responsibility for the actions of loan servicers acting in clear violation of federal law for benefit of XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Mailing address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Hello I just want you to know my XXXX XXXX XXXX is reporting incorrectly and I am asking that this be fixed. I am not using 140 % of my credit limit thats not correct information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXXccount # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX Inquiries Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXXl XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy. 

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions Im Im Im sorry sorry for 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code Subchapter III 1681b : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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: Bank account or service

I opened my business checking account through Wells Fargo XX/XX/XXXX. Then, I received the letter stating the account was closed on XX/XX/XXXX. I was told to contact the XXXX XXXX XXXX. I received the documents from the XXXX XXXX XXXX and showed them at the Wells Fargo branch. The manager reviewed it and allowed me to open new business checking account. Then, I received another letter stating the account was closed on XX/XX/XXXX. I was so furious and upset. The closed business account affected my business operation. I was not unable to deposit the company checks. It impacted my business lots. I lost thousands of dollars. I was forced to use XXXX XXXX to accept credit card transaction. The merchant incurred so much fees. Wells Fargo owed me thousands of dollars because of the closed business account. The XXXX XXXX XXXX showed no evidence negative statements. I am asking for the reimbursement of my lost business cost and allow to open a business checking account.
Product: Credit card or prepaid card

I sold an item on XXXX on XX/XX/2019. Have sold over 4,000 items on there without issues. A buyer got an item, filed a dispute, and never returned the item. The item was exactly as described in the description. The item was a custom industrial printer worth {$1300.00}. I have proof of delivery of the item through XXXX. XXXX charged my XXXX account for the amount of the refund. I disputed with XXXX who reviewed the case and detail and sided in my favor. XXXX then charged the credit card I have on file for the payment of success fees with them for the full amount. I disputed with Capital One over multiple letters and months, but they refused to uphold my charge back rights.