23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I closed a XXXX account out in XX/XX/XXXX. I went returned the phone and paid my last bill. in XX/XX/XXXX 2 years later DIVERSIFIED CONSULTANTS broke several laws in attempting to " refresh '' a debt. without following the FCRA law. I have attached a copy of the violation. its is section 605 of the FCRA. In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

In addition, diversified C failed to adhere to FCRA LAW which states that the collection agency must, 30 days before reporting to the reporting agencies send me the information in writing. I spoke to them, they claimed not to have my current address, i know this not to be the case. With out my consent they procured a copy of my credit report, yet another law violation.
Product: Credit card

On XX/XX/XXXX I received two emails from Capital One stating that I had been approved for a XXXX XXXX XXXX card and that my phone number had been updated. I never applied for a card from Capital One. I created an account using my SSN and found that it was registered to a phone number that was not mine. I called Capital One and they canceled the account and opened an investigation. 

Today ( XXXX ) I received three emails from XXXX. One email said that my XXXX credit card was approved. Another said that I had updated my phone number to XXXX ( which is not my number ). The third email said that my XXXX Total Checking application was being reviewed. I have never applied for any sort of XXXX card or banking account. I called them and they canceled the accounts.
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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Sectio
n 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: Payday loan, title loan, personal loan, or advance loan

Complaint against Wells Fargo Loan set up for 2 central air & heat systems XX/XX/2021 {$15000.00} XXXX XXXX ( has gone out of business ) Interest rate@ 9.99 % Auto payment set up $ XXXX. 
Since that time I have never missed a payment. 
Interest has increased from 9.99 % to 28.9 % Never received any information on rate increase. 
Never received a credit card. 
Never have I received an email from them ever. 
Wells Fargo could not find the loan # or any communication with me. 
I had paid off my 30 year mortgage with the in 22 years. I had also paid off a car loan with them too. 
WF accepts my $ XXXX then turns around and charges me between {$96.00} to {$99.00} interest each month. On an retirement income I will never be able to pay off this loan. Never told about the separate Interest charge tact on to loan each mo. 
Wells Fargo to does not disclose this information in the contract. No warning of interest rate increase either
Product: Credit card

Dear CFPB this Complaint is in regard to Navy Federals continue Unfair, Deceptive acts and practices. I was denied a consumer credit transaction Navy Federal is in violation of 16 CFR 433.1 they are not exempt because of 16 CFR 433.3. I am a consumer according to 15 usc 1692E and Navy Federal is in violation of the trust and lending act. Credit is a right that is granted to me. Navy Federal has denied me that right. In addition Navy Federal asked for a co-signed on said loan. According to 16 CFR 444.1 A Cosigner is natural person who renders himself or herself liable for the obligation of another person without compensation. The term shall include any person whose signature is requested as a condition to granting credit to another person, or as a condition for forbearance on collection of another person 's obligation that is in default. The term shall not include a spouse whose signature is required on a credit obligation to perfect a security interest pursuant to State law. A person who does not receive goods, services, or money in return for a credit obligation does not receive compensation within the meaning of this definition. A person is a cosigner within the meaning of this definition whether or not he or she is designated as such on a credit obligation. My cosigner and I tender Navy Federal an instrument ( securities ) to secure said loan. Instead Navy Federal took the instrument and added it their balance sheet as Financial asset and has not given an value to the transaction. According to Navy Federals Sec filings the following can be read : The Company clears transactions on behalf of customers on a fully disclosed basis with a clearing broker-dealer, and promptly transmits all customer funds and securities to the clearing broker-dealer. The Companys other business activities are limited to effecting securities transactions via direct business where the funds are payable to the issuer or its agent and not to the Company. Cash and cash equivalents Cash and cash equivalents consist of demand deposits and money market accounts with financial institutions as well as short-term investments with stated maturities of three months or less. Cash equivalents are promissory notes. According to 18 usc 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. If Navy Federal chooses not to comply I will be forwarding a more extensive complaint to the OCC and SEC.
Product: Credit card

I need someone at Chase to look into my payments. Its currently displaying a returned payment yet my bank displays it as completed on XX/XX/2024. Ive gone back and forth repeatedly, calling multiple times and emailing multiple times and just keep being told that they dont see what I see which is exactly the problem Im raising. Ive waited 2 months to ensure its not simply the way the charge posted and would be corrected. Ive spent significant time trying to have this fixed and yet there payments support has been non existent. They also keep asking me to include attachments and its not possible to do so ( Ive tried both the app and on their browser version ). 

The payment in question is for {$4900.00} I really need some help to get someone from Chase to actually look into my account. 

I did have one of the payments return as I did not realize I had auto pay on and so I actually had made payments of double the amount ( auto pay and manual for the same amount ). But one of them did post and Chase is not showing that.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$3200.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Subject : Formal Complaint Regarding Business Banking Application Decline and XXXX Report Due to Identity Theft Dear Capital One Business Banking Partners, I am writing to formally express my concern regarding the decline of my recent application for a business banking account with Capital One. Upon applying, I was informed that my application was declined due to information obtained from XXXX, a consumer reporting agency. 

After conducting thorough research, I understand that XXXX reports on bank accounts, credit accounts, and similar financial matters. Unfortunately, I have been the victim of identity theft, a situation that began in 2020. This identity theft led to the mismanagement of an account under my name, resulting in negative reporting, which may now be affecting my ability to open a business banking account. 

I have consulted with multiple attorneys and legal professionals who have advised me to contact the involved banks to address this matter. They emphasized that allowing these inaccuracies to persist is detrimental to my financial well-being. Therefore, I am reaching out to request your assistance in resolving this situation. 

I respectfully ask that you review my case and work with me to rectify the issues related to the identity theft that has affected my financial records. My goal is to have this matter resolved so that I can proceed with my business banking needs and restore my ability to apply for credit and bank accounts in my own name. 

Please let me know what steps need to be taken to resolve this issue and ensure that my records are corrected. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX ( XXXX ) XXXX
Product: Student loan

The company incorrectly processed two of my payments. I made one payment for {$5000.00} and another one for {$8000.00} a few days later. They applied them to the exact same loans ( I had about 6 loans ). Now some of my loans are saying I have balances due, while others say I overpaid. The sum of the ones overpaid equals the sum of the ones that still have a balance due. Aka they should be fully paid off. Additionally, they also charged me interest for the remaining amount- even though I have paid this, it was just not processed correctly. I have tried emailing, chatting and calling them for the past two weeks. I have called and waited on hold for 5+ hours, and well as requesting callbacks. I have gotten NO contact from them
Product: Credit reporting or other personal consumer reports

My mother had a mortgage loan that she was paying back and she had my name down for if something should happen to her it would still be able to work out something to try and get ot paid well she passed away in 2019 and I was left in the blind didn't know anything about what was going on other than this has to be paid or else... Well nobody told me that I could have gotten payments lowered or got a modification on it or anything so we ended up losing it to foreclosure and my credit report or score was all messed up behind something that wasn't mine from the beginning know I'm suffering and I don't think it's right
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1900.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, American Express incorrectly charged me {$400.00} with a AmEx XXXX XXXX XXXX XXXX charge. I called for XXXX minutes on XX/XX/XXXX, XXXX hour XXXX minutes on XX/XX/XXXX minutes on XX/XX/XXXX, XXXX hour XXXX minutes on XX/XX/XXXX, XXXX hour on XX/XX/XXXX, XXXX hours XXXX minutes on XX/XX/XXXX, XXXX hour XXXX minutes on XX/XX/XXXX. Over the course of those calls, I learned that the {$400.00} charge was AmEx reversing XXXX {$200.00} credits that they had provided me, and for which they rightfully owed me for promotions on hotel stays for which XXXX of my stays qualified. AmEx secure messages stated that the stays that received the credits had been cancelled, although this is not the case. There were XXXX eligible stays, and so I should have received the credit. No representative I spoke with could explain the discrepancy or why the credits were reversed. Multiple of the agents opened disputes, multiple agents also opened reconciliation cases. However, an " XXXX '' department always closed the cases without reaching out to me or the original agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX XXXX XXXX and 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: Debt collection

Upon checking my credit report I notice a company popped up as a collection which is not accurate at all and I know nothing of the company brought my credit score down and there telling me I have to wait I was about to apply to get a loan this made my wait longer 1+ month.
Product: Credit reporting or other personal consumer reports

XX/XX/year> JPMCB ran my credit without my consent.
Product: Checking or savings account

Wells Fargo withdrew money from my linked XXXX  XXXX saving account to an account I have with them after I had originally transfer that money so I could close it.
Product: Debt collection

senex collection agencies has never notifed me of out standing medical debts they have me listed as derogatory on a ll   XXXX   credit bureaus  I have 100 % fullcoverage medical insurance Senex issue is with medical providers and not me the patient I have never recived an bill from them, additionally senex is trying to double bill, the medical provider was paid by insurance and now   XXXX   is attempting to recive additional monies!     they are unethical and hurting my fico score
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

all filed FTC : accounts as stated : XXXX XXXX {$200.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$370.00} uS Dept ED {$5500.00} deptedXXXXt {$5500.00} XXXX  {$410.00} XXXX XXXX {$350.00} XXXX XXXX {$410.00} XXXX XXXX {$740.00}
Product: Credit reporting or other personal consumer reports

This is the refilling of my complaint to American Express. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and account with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my writtien instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE INQUIRIES AND I ALSO HAVE NO IDEA HOW THEY GOT ON MY CREDIT. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 {$3800.00} XXXX this account doesnt belong to me, ask several times to verify information with no response.
Product: Credit card

Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind reports of late payment remarks on my accounts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax continue to report inaccurate information that is causing me harm. 

XXXX is reporting late payments for XXXX and XXXX while Equifax is reporting late payments in XXXX and XXXX. 

This is not accurate and is causing me to be denied for credit which is my right granted to me. Reporting agencies are required to maintain 100 % accuracy. 

XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, I submitted a dispute because there was a few fraudulent accounts on my credit report. I have nver done any business with these companies. I am not a person that checks their credit frequently but i check it because i am trying to get a house for my family and i saw the fraudulent accounts. I reach out to the credit bureaus XXXX  XXXX and transunion regarding these accounts and they explain to me that i need an FTC report. i am asking that these account to be removed from my credit because ive nver done business with these companies.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX ( Original Creditor : 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.