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

There are 4 accounts on my credit report that do not belong to me they are not mine I have not applied or used these accounts as well as many inquiries I need these off my credit ASAP1!!!! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : US SM BUS ADMIN ODA Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/2020 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I disputed an unauthorized charge of {$1100.00}, prior to this charge my card balance was $ XXXX.with a {$750.00} limit and my credit score was XXXX The very next day on XX/XX/21, XXXX XXXX through XXXX XXXX XXXX wrongly reported my card balance at {$1400.00}, placing me over the limit a few days later my credit score dropped to XXXX. What is also suspicious to note. This account is always reported on the XX/XX/XXXX of each month, why would XXXX XXXX report almost 2 weeks early? 

I contacted XXXX on XX/XX/21 and was told the {$1100.00} unauthorized charge is still being investigated and no one could answer why it was reported to the credit bureaus and why reported early. 

This is a reckless violation of the FCBA, the FCRA and numerous State of Michigan consumer protection laws. Further, I believe XXXX deliberately reported the inaccurate balance I applied for a PPP loan through the Relief bill for {$170000.00} to save XXXX XXXX XXXX and received a call today that I was denied in large part due to the most recent negative furnishing. The loan officer said I needed a score above XXXX and the over limit that was recently reported was significant. I will now likely have to dissolve that XXXX.
Product: Checking or savings account

I bank with Navy Federal Credit Union. I have been hit with a massive amount of random overdraft fees. A lot of them fees are due to the bank delaying the transaction postings. I would think I have a certain amount of money in my account and when I check my account again, Ill be in the negatives + given an overdraft fee and itll be because they took so long to post prior transactions that by time they do, I really didnt have the amount they were showing me I had. To make matters worst they like to overdraft fee you just about everyday until youre out of the negatives. The amount of money ive lost due to Navy Federal is insane.
Product: Debt collection

I have informed XXXX on numerous occasions via mail and fax that I have been a victim of Identity theft of which the listed items that have been reported on my credit profile may be a result. I have no knowledge of these items or accounts as they are redacted, and I have also requested proof of the verification method XXXX has used in order to investigate and procure proof this item is accurately reported. 

XXXX had informed me to communicate with the creditor PHEAA to request removal of which I have and never received a response no proof of the item 's permissible purpose and documents relating to the contract. 

I have never done business with PHEAA my desired resolution is for these items to be removed immediately pursuant to the FCRA law section 609
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online dispute with Experian on XX/XX/2021 for the XXXX XXXX XXXX that starts with XXXX. Experian completed their investigations in less than 9 days. No way was this a thorough investigation process. In my dispute, I have requested contract with my signature to prove that this account is mine. I suspected Experian requested public information from XXXX or sage stream. Please direct Experian to delete these unknown account from my credit report. Their lack of investigative process was not accurate. By FRCA law and FTC Law, my report must be accurate, no errors and verifiable. I have attached their online result for your reference.
Product: Debt collection

ATTENTION TO XXXX XXXXXXXX XXXX  I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$400.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF UTILITY ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

I took out loans for XXXX school. As I approached graduation and in the first several months following ( between XXXX ), I spoke with XXXX XXXX, XXXX and XXXX  agents several times to ensure that all my loans qualified for for PSLF and that I had been entered into repayment as of XX/XX/XXXX ( first month after graduation ). I was assured several times that all my loans did indeed qualify and that I was in repayment with XXXX $ payments until XX/XX/XXXX. Subsequently my loans were transferred to Fedloan, where I continued to have regular contact with Customer service agents who again reassured me several times that all my loans were qualifying loans. Come to find out in XXXX during one of my frequent calls with Fedloan ( I literally called them 3 times a year, regularly, to ensure I was doing everything correctly ) that some of my loads did NOT qualify for PSLF. I was advised that I had to consolidate those loans and that prior payments wouldnt count toward PSLF. I had no choice but to do so. There was no outlet for further explanation or source of counseling. Despite my near constant communication with XXXX and Fedloan they had not once disclosed this information previously, despite being specifically asked several times. Its no surprise I guess since my loan servicer was transferred through 4 different servicers in those years from XXXX. So even though I was completely on top of it and knew what to ask and asked several customer service people regularly, no one ever gave me the correct information. As it was no fault of my own, these years of payments i made on those non-qualifying loans should be counted. And the companies involved should take responsibility for providing false information and lying to me. Furthermore, Fedloan has not counted several of payments I have made as qualifying payments. This is despite me asking for a recount for 1 year. Notably, I have been in automatic repayment every single month since I graduated in XX/XX/XXXX - meaning that they have had complete access to my bank account and that logically, there is absolutely zero reason that I would ever have a late or missed payment through any fault of my own. 
These loan servicers pray on young, ambitious and extremely busy people ( Im sure no one in their company understands what a 100 hour  work week feels like ). Their customer service agents give false information and have zero skin in the game. They have no incentive to provide accurate information - especially when my loans were constantly being transferred to different servicers ( 4 servicers in 2-4 years! ). They are criminal. Completely unethical and the worst part is that I have no option to be at their mercy.
Product: Debt collection

Upon discovery after viewing my consumer report I see that LVNV Funding LLC is reporting an alleged debt onto my consumer report. I am invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ). I am demanding that LVNV Funding LLC send me verification - ( sworn under oath 28 USC 1746 ) of this alleged account pursuant to 15 USC 1692g ( b ). I am also demanding LVNV Funding LLC cease all collection & communication activity through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c )
Product: Debt collection

On XXXX XXXX, 2016 at about XXXX I spoke with a representative XXXX to gain clarity and further verification of a debt in their office. Later he provided a Pay for Deletion offer in the amount of {$3000.00} to get IQ Data off my credit report. I asked him to give me sometime and I would call him back the following day. On XXXX XXXX XXXX called to continue discussing the Pay for Deletion and when asked to furnish a letter he refused and placed me on the phone with his supervisor. The supervisor after I told her I was n't going to furnish my credit card info to guarantee me the Pay for Deletion and terms discussed said she was going to place that I refuse to pay the debt in the notes to the file. As well as charging interest to the debt that is owed. The interest was over {$1500.00} and the claimed debt I owed was over {$4700.00}. When asked to send my debt back to the original creditor IQ Data reperesenative refused. This has truly place a strain and damage to y credit report and history for the past XXXX. These practices are illegal under the FCDPA and the FCRA.
Product: Credit card or prepaid card

Two purchases were made on my chime credit builder account. I contacted the merchant they have no records of any transaction being made so I contacted chime bank to file a dispute. They said they can not even start the dispute till the charges have settled and are not pending, which could take up to seven days and then they can start the dispute and choose whether to give me my money back or wait until the dispute is settled, which could take up to 90 days the charges were made fraudulently, and they are not helping me out at all they just keep telling me to wait weeks so maybe in 90 days I can get the money back that was taken out of my account
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Product: Checking or savings account

I wanted to open a checking account with SOFI earlier this year. I was unable to do so because someone else had tried to do the same under my ss #. I called and reported this issue, they created a case # and told me to call back. XXXX weeks go by and I had to call them, they said it was upon me to get the account dispute with my credit report. 

I called them last Tuesday XX/XX/XXXX. I was hung up on and they did not call me back. I called back and spoke to the same people, and told they would call me by XXXX the XXXX of XXXX, I have not heard from them. 

One would think that during this day and age that a company would want to stop fraud and not want to be a part of having someone trying to use it to abuse others. 

After calling SOFI multiple times I still can't open checking account, nor can I verify that they have stopped the other person from using my information to create a fraudulent account using my information. 

They appear to not even care about what is going on with this situation.
Product: Checking or savings account

Fifth Third has become notoriously corrupt and financially RUINING ME in the last year -I closed a credit card account a ) this account became completely inaccessible, couldnt see anything about it, make payments anything. THIS is NOTHING about how the rest of the c XXXX lenders in THE ENTIRE WORLD. Ive had a credit card with EVERY MAJOR creditor in XXXX XXXX and XXXX XXXX ) After my prior CFPB complaint to make said credit card open online, they only made it PARTIALLY VIEWABLE. All I could see was the balance and really weird draconian way to barely figure out how to make payments. Nothing else. 
C ) I made a future payment of {$1000.00} D ) I paid the card off completely prior to the future payment ( A WHOLE MONTH PRIOR ) E ) I contacted the bank NO LESS THAN 5 TIMES PRIOR TO THE FUTURE PAYMENT TO CANCEL SAID FUTURE PAYMENT WHICH THEY PROMISED EVERY TIME IT WAS CANCELED, AND LIED CAUSE I HAD NO ACCESS AND THE PAYMENT WENT THROUGH F ) I lost {$1000.00} because of THEIR NEGLIGENCE for A FULL WEEK G ) I call in, and company AGAIN through malfeasance of negligence decides to not train anyone. I tell Credit department to reverse payment, they say they cant and send me to debit, who tells me I cant, they send me to internet services, who says they cant and sends me back to credit who says in 5 business days I can see it again My money they negligently TOOK. It takes 6 days to see it reflected.That process of them putting me through the ringer took over 3 hours H ) 5/3 LIES IN CFPB REPORT IN ORDER TO CLOSE COMPLAINT that everything is taken care of with this -Fifth third lies on MULTIPLE occasions about FEES A ) 5/3 PROMISES on DAY 1 of contractual agreement about checking account that they will waive fees for international purchases, ATM, and Checking accounts for my wife and I as Teachers. 
B ) 3-4 years later they change policy, WITH NO WARNING to us, and fees for all of the above are instituted. Been dealing with the lies for OVER 5 years now about the fees and have been feed nearly weekly -Fifth Third decides to block my account COMPLETELY,2 seperate checking accounts, 2 credit, and a savings account A ) 5/3 aggressively spent days blocking me from communicating with them the need to figure out my finances. I CANT ACCESS ANY OF MY 5 ACCOUNTS WITH THEM FOR NO REASON B ) I called they told me there was an internet error and to call back if it persists later C ) I call back after AN HOUR ON HOLD and the lady hangs up on me purposefully D ) I HAVE MAJOR NEEDS TO BE ABLE TO ACCESS THIS MONEY AND ACCOUNT AND THEY ARE PURPOSEFULLY BLOCKING IT ALL E ) The blockage for NO REASON of my accounts COMPLETELY COINCIDES with them LYING in CFPB solution AND MY NEGATIVE XXXX, and XXXX XXXX REVIEWS
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX - {$13000.00} ; XXXX XXXX - {$310.00} ; XXXX XXXX XXXX - {$830.00}, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

XXXX/Direct Express let XXXX XXXX  fraudsters between XX/XX/XXXX and XX/XX/XXXX steal over {$550000.00} from my Direct Express Account
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Convergent Account # 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 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following item 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

I have an account with a company which is XXXX XXXX and my wife have one well they have her account on my report. 
Creditor : Ally Financial Amount : XXXX account # XXXX I sent a dispute letting them know the XXXX XXXX XXXX XXXX account XXXX is a fraudulent account in the amount of XXXX its been 2 months but haven't been taken off the report. The same company XXXX XXXX XXXX XXXX has two accounts on there the other is XXXX in the amount of XXXX this has been embarrassing to say the least I pay my bills on time and are being penalize by this breach in security. 
Also there is unauthorized inquiries that is causing my score to suffer greatly. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX