23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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: Vehicle loan or lease

Capital one took advantage of my low credit score and is charging me XXXX  % interest rate on a used car. My payment are way to high and i fell behind and its now reporting as a charge off to credit bureau but i still own the car
Product: Mortgage

Refinance transaction with XXXX started on XXXX/XXXX/2016 with rate lock at 3.25 % followed by document submission and appraisal. Good mortgage failed to properly disclose timeline throughout the process, mandated a close on XXXX/XXXX/2016 without providing closing documents to borrower with adequate time to review ( less than 4 hours ), continuously changed closing amount, refused to close in XXXX because it would have " more work for them '' and used pressure sales tactics throughout.
Product: Checking or savings account

Made n local deposit with n cashiers check from my local credit union into my US Bank that is nearly down the street from my credit union yet my XXXX still being held
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX regarding the inaccurate reporting of bankruptcy information on my credit file. The bankruptcy, filed on [ XXXX XXXX XXXX ], has been reported to the credit bureaus, despite the bankruptcy courts confirmation that they do not report any information to the credit bureaus. I am requesting that XXXX XXXX XXXX provide evidence of their permissible purpose and proof of consent for sharing this information with the credit bureaus. 

Issues with Bankruptcy Reporting : Courts Statement : The bankruptcy court has explicitly stated that they do not report information to the credit bureaus. This raises questions about the source of this bankruptcy reporting. 

No Proof of Consent : I have not been provided with proof that I consented to the reporting of my bankruptcy to the credit bureaus, nor has it been validated whether XXXX or any other third-party vendor had permission to share this information with the bureaus. 

Unlawful Reporting : As XXXX, XXXX or other data furnishers may be involved, I dispute the lawfulness of the reporting process under 15 U.S.C. 1681e ( b ), as this data may have been shared without legal consent or permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loan account is in DEFERMENT STATUS and should not reflect a late payment or negative. This is a violation against the FCRA. Why should they hold it against me? I disputed the accounts with Experian and XXXX for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home. 
DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I have chosen to take the time to submit this complaint because I am extremely disappointed by the practices of this Consumer reporting agency. I am hoping the Consumer Financial Protection Bureau can be of assistance in helping me resolve this matter. I am aware that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy and I am here to see that they are due. Recently multiple of my rights have been violated by this Consumer Reporting agency. I am aware of the Consumer Protection Laws that protect consumers against unfair trade and credit practices involving faulty and dangerous goods or dishonest claims or tactics by organizations. Due to this Consumer Reporting agencys incompetent and dishonest claims I have received numerous unfavorable results that have affected me and my business horribly. I expect nothing less than deletions of all the accounts listed below or I will have to escalate this to a legal matter. 

XXXX XXXX- XXXX 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: Checking or savings account

Today at XXXX XXXX I called Chase Bank to update my information so I can access my online banking. When I spoke to the second rep my password was changed and I lost all access to my online banking. I have 3 accounts with chase bank. One ending XXXX, XXXX ( e.i.n ) and an additional account which was closed without my permission and was in good standing. They have been deleting transactions and they have been money in my account like stimulus checks which I never received. I have been XXXX and my identity have been stolen which I have a police report number Report number XXXX XXXX XXXX. I will like full access to my account which I was denied since XXXX of 2021.
Product: Student loan

Hi, as information on when payments would need to begin on the student loans associated with my XXXX XXXX at XXXX XXXX XXXXXXXX   came in, I tired to log in to my account, and I could access the information from my XXXX XXXX loans, but when I followed the instructions on trying setting up a new account to access information on my more recent loans, it said that the information was not available and that I had to wait for a new website to be created. I checked back on this in XXXX and reset my password, and still could not gain access. Now it appears there is a new website, but when I attempt to log in it requires two factor authentication. When I provide that authentication, it cycles me back to the original login page, so I just keep repeating the process. 

This would be the second time that Nelnet has refused to allow me to make payments, and the first time dropped my credit score by over XXXX  points for the seven year period it took for them to drop off, and they refused to work with me on retracting credit filings despite full repayment as soon as the issue was discovered. Nelnet also seems to be obscuring the amounts paid and required. The functional operation of this company makes it clear that they attempt to keep simple, straightforward information opaque so that they can fraudulently capitalize on late fees, additional interest or just inflated amounts owed by borrowers. It is incredible to me that they are still in operation, this company is supposed to be facilitating higher education and the betterment of people 's situation but they are so incompetent that they either can't figure out how to provide access to basic information for the loans they are servicing, or they are so corrupt they intentionally keep it hidden. Their customer services is a joke too, they have broken systems and require busy people to wait hours on the phone for a customer service representative that can not actually fix their issue. I still haven't even been able to update my phone number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Subject : Complaint Against XXXX and Experian for XXXX XXXX XXXX Dear XXXX XXXX XXXX am writing to formally file a complaint against XXXX and Experian regarding XXXX inaccurate reporting of information related to my XXXX credit card account. I believe that these inaccuracies violate the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681, which emphasizes the importance of accuracy and fairness in credit reporting. 

My XXXX credit card has a closing statement date on the XXXX of every month. However, I have noticed discrepancies in the information reported by both credit bureaus, leading to a significant drop in my XXXX XXXX. Enclosed are my recent credit card statements and screenshots demonstrating that XXXX has deducted XXXX points from my XXXX XXXX, while Experian has also shown incorrect updated information on my credit report. 

These inaccuracies have caused me undue stress and XXXX affect my financial opportunities. I respectfully request that you investigate this matter and take appropriate action to ensure that XXXX and Experian correct these errors in my credit report. 

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

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover credit card is reporting a card from XX/XX/2022 that has been closed. This card is now reporting on my new Discover card that has a XXXX limit. Please have the the Discover Card XXXX limit removed. I only have one Discover Card that has a XXXX limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lost or had stolen my personal financial information. I am still not sure to what degree but at least my social security number. Equifax should be shut down. They get access to all our financial data, that can make or break someone 's life, with the only stipulation being that they keep it secure. They are allowed to profit off of this information and make us pay if we want to access it more than a few times a year, but then they ca n't even keep it secure. This is ridiculous.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contacted the 3 leading credit agencies after a report that my personal information had been leaked by XXXX XXXX XXXX XXXX 
I was trying to create an account to freeze my credit temporarily. I was able to do so with XXXX and XXXX. 
However, Equifax gave me an error that reads " We are temporarily unable to complete this request. ". 
I contacted Equifax and after navigating a XXXX  phone system that seems designed to be irritating in order to prevent you from speaking to someone. The system asks credit information from 6 years ago which I do not really remember, including what was my monthly payment on a loan that has been closed since then.

When I finally was able to speak to someone 2 hours and 40 minutes later, they did the freeze and checked why I could not log in with no solution. They told me someone from their IT would be in contact soon. To date, nobody has reached out, but I have received multiple emails from them encouraging me to login and check all the services they provide. I continue to have the same issue and that means my credit is frozen without me having the ability to remove the freeze

unless I spend another 3 hours on the phone ( currently have spent about an hour trying to get to someone ). They do not seem to be trying to correct the issue, which locks me from unfreezing my credit.
Product: Credit reporting

I have an FHA Loan with XXXX XXXX, # XXXX. XXXX XXXX has reported that I have been more than 30 days late with agreed payment schedule. I have disputed this derogatory with XXXX XXXX as all of my records reflect payments current and on time. I addressed my concerns with documents showing the current/on time payments. The inaccuracy is on behalf of XXXX XXXX applying the payments " at will '' in their receiving account division, therefore reflecting negative on my credit profiles and straining my overall credit scores. XXXX XXXX has refused to investigate this matter further or review my account properly regardless of my payment documents proof.
Product: Credit reporting

For the past several months I have tried to have XXXX accounts XXXX are from the same company removed from my credit with Transunion. Originally they removed the accounts then they RE- INSERTED them back to my credit and now they have totally ignored my dispute to request the improperly placed accounts be removed. I have also tried to call XXXX but according to them .... they can not help me because i do n't have the full accounts numbers ( i can only provide what is on my Transunion Credit Report ) social security number does not match an account that they have. They advised me to launch a dispute with Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXXXXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX UNIVERSITY ) XXXX Balance : {$3300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

I was told by multiple people at the auto dealer that they would only soft pull my credit- they did a hard pull without my consent. They were deceptive.
Product: Mortgage

My mother got behind when my dad died. She is in an adjustable mortgage an d Wells Fargo will not work with us to get a fixed rate and bring her mortgage current.  They keep suggesting she do a deed in lieu of foreclosure even though she is only {$10000.00} behind or 100 days. She has equity in the house but they refuse to work with her. She is  XXXX   years old an d I feel they are taking advantage. I have been overpaying the mortgage for 3 months and they accept the payments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX initiated a hard credit inquiry without my authorization. I called TransUnion to have it removed, and TransUnion refused to remove it without a letter from XXXX. XXXX will not tell me why they pulled my credit. They state that I must talk to their fraud department, but claim that they cannot transfer me internally (allegedly their transfer system is down?!), and both number that they gave me for their fraud department are "not in service" according to the operator. TransUnion has completely refused to remove this fraudulent hard inquiry, and XXXX has made it impossible for me to reach their fraud department to request the letter. I need your help to resolve this Catch-22. Thank you.
Product: Student loan

My family and I were affected by hurricane Ian last XXXX 2022. During the aftermath cleanup I severely XXXX XXXX XXXX causing a XXXX XXXX. This lead to me having financial issues and fall behind on some payments because I was put on working restrictions by my doctor and could not make my normal amount of income. I work a physically demanding job as an XXXXXXXX XXXX  which has me bending, twisting and lifting over XXXX pounds every day so I was severely restricted on the jobs I could do at work and not making almost any money. Prior to me being affected by this natural disaster my payments were all made on time and I find it unfair that there was no resolution or option for me at the time when I called and now my credit is being severely affected due to the late payment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed unauthorized inquiries that appear on my credit report. Unfortunately, Experian has not removed any of these items. Experian has not provided any proof that I initiated these inquiries or that an investigation was even conducted. The unauthorized inquiries are as follows : Creditor : XXXX XXXXXXXX Inquiry XXXX : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX
Product: Debt collection

I rented a car with XXXX from XXXX for XXXX. There were no issues with returning the vehicle. On XX/XX/XXXX XXXX charged my card XXXX. I called to see what the issue was and spoke with XXXX XXXX. She couldn't find the reason for the charge and she stated she would investigate it. I never heard anything back from XXXX until XX/XX/XXXX. I explained my grievance as to why my card was charged for almost double the rental and again, I did not hear back from her. By that time, it was too late to dispute with my credit card company and I just paid my credit card bill. On XX/XX/XXXX, XXXX placed a collection on my credit report. I never received any documentation from the debt collector, no email or mail. I tried reaching out to them and I was told that I just had to pay. I explained I overpaid without explanation. The location where the car was rented has been closed so I could not go inside to get any documentation or speak with a representative. I overpay for the rental and returned it on time without any damage and on a full tank of gas.
Product: Credit reporting

I recently learned from a collection agency ( XXXX ) that the balance on one of my XXXX accounts was not paid in full and was charged off. XX/XX/XXXX, I moved from XXXX, XXXX to take a position in XXXX, XXXX and I filed a change of address form with the U.S. Postal Service. All of my other mail was processed correctly, somehow this account 's mail was never sent to me at my XXXX address. 
When I moved to XXXX, I applied for and received a new credit card with a new number ( ending in XXXX ) from XXXX XX/XX/XXXX. However, when I made purchases from the XXXX store in XXXX, XXXX in the amount of {$160.00} the clerk must have charged an old account. I gave the clerk my SSN and driver 's license and she charged the merchandise to what must have been an old XXXX account. All billings for the {$160.00} purchases were sent to my old XXXX address. I never received a late notice or a notice that the account was going to be charged off. 
I never received any type of billing notice from XXXX or XXXX. If I had, I would have paid it promptly as I always have. I have over 25 years of clean credit, there is no reason I would have not paid the bill. I have at least paid off XXXX mortgages over the last 20 years! I do have many accounts in order to run a property business so I pay a voluminous number of bills each month. 
XX/XX/XXXX or XX/XX/XXXX, XXXX sent the account ending in XXXX to collections as a " charge-off. '' Had XXXX not been negligent and made a " reasonable inquiry '' into my current address/phone number/email, they could have and should have notified me before " charging off '' my XXXX account. I have numerous accounts with XXXX as well as XXXX Bank which indicated my current contact information. I believe XXXX and XXXX acted in BAD FAITH. 
I have asked the bank and XXXX to allow me to pay for the products I purchased in full. They will not communicate with me other than to say the account was " charged off. '' I am asking that they waive or deduct all of the fees charged as it was their negligence that the charges were charged to an old account and I was never notified of the billings or the charge off. 
Ironically, XXXX is still sending me new credit cards and " hoping I will do business with them. '' I will never use XXXX or XXXX again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I missed the payment on my account due to my being seriously sick and XXXX. I have lost out on job opportunities because of these late payment remarks.This is ALL because of the XXXX. I also could not close a home for my family due to this situation.
Product: Credit card

In early XX/XX/2017, my Sam 's Club MasterCard was compromised. There was an unauthorized charge for the amount of {$96.00}. Synchrony Bank ( who services my Sams Club MasterCard ) failed to catch the fraudulent charge at the time but I alerted synchrony bank of it when my billing statement came. They assured me it would be investigated and I would hear back within 30 days. Some time later they sent me a letter stating the charges were valid. I called back in to assure them it was fraudulent. The case was reopened. I received another letter ambiguously stating the case was resolved. After playing phone tag with multiple representatives and supervisors, no one could give me an answer to the fraud investigation outcome as the letter was unclear. During this time synchrony refuses to credit the amount of {$96.00} in fraud charges so it continues to accrue interest. I was advise to not pay this charge and everything, including the accrued interest, would be credited once the investigation concludes. This seems counter to how every other bank I 've dealt with conducts business when it comes to fraudulent charges in dispute. 

After many hours on the phone spread across many days, I was finally able to get a hold of someone on the phone who told me the reason the original complaint did not go in my favor was because it was filed as a dispute, not a fraud charge. Now I would have to wait again while synchrony refiles and conduct the investigation again. This is beyond incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.