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

1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.

4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Account name : XXXX XXXX Account number # XXXX has violated numerous codes inaccurate dates, balances and account types I will be uploading pictures underneath i demand a investigation and need this to be deleted off my credit report immediately due to violating section XXXX because it is incorrect or unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( has violated several of my rights., 15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act/
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining.

"
Product: Bank account or service

I opened a Scottrade Bank account a while ago. Scottrade Bank closed the account without providing a proper explanation. I have requested an explanation from Scottrade but every time I call them they say they will only speak to customers and since my account is closed I am not a customer. 

I would warn others of this behavior, if you have any dispute with Scottrade, I would advise that you withdrawal all of your funds before brining it to the attention of Scottrade as it is likely Scottrade will place your money in limbo and not allow you access to it. 

Now Scottrade wo n't even respond to my complaints. If this is how a business treats customers, well, I will happily take my money elsewhere.
Product: Debt collection

I prepaid for a newspaper subscription limited to 28 weeks. At end of 28 weeks I did NOT renew the subscription, but the company continued to deliver newpapers and is now trying to collect a bill for the unordered papers. I have contacted them twice to try to resolve this, but they refuse to remove the bill and have now submitted the bill to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am simply trying to find out if my XXXX year old son has a credit report as a way of verifying that his social security number has not been used to take out credit under his name. The reason that I am trying to verify this is because I had lost his SSN, which was written down on a form that I had accidentally left behind somewhere. However, I have been unable to do so through www.annualcreditreport.com or the credit bureaus without having to mail in lots of information on him including his social security number and a copy of my ID, which I feel uncomfortable doing as it may pose more of a risk. I don't understand why I can't at least receive a confirmation stating that no credit report exists ; I do not feel that it should be this hard to be proactive for my child 's sake. Thank you.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX, 2012 {$240.00} disputed over the phone and mailed in paper work that shows its included in my bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

This evening I tried to dispute an account on my report that hasn't been reported for 5 years and all of a sudden. Now it's being reported as collections but it is been on my report for 6 years. Yet it was sold several years ago to some other company that I have no idea who it is. This account is not correct. It has been paid off for several years. It is not being reported correctly but yet when I try dispute it again I'm being denied because they're saying it's frivolous. It is not frivolous. I have a right to dispute as many accounts and as many times as I deemed necessary according to the fraud resolution expert that I talked to the other day. These accounts that are on my report are not mine and I'm getting tired of being told no that they don't have to do anything about them. It's my information it's not correct and I'm using their templates their reasons as to why I'm disputing and then also they're telling me it's not clear enough Experian what the heck is your problem? I really feel like I need to get an attorney to get this settled
Product: Payday loan, title loan, personal loan, or advance loan

I have been paying on a title loan for going on XXXX XXXX, and the money don't goes toward the loan at Titlemax..They told me I'm only paying interest, I didn't sign up up for that..My vehicle is broke and they still asking for payment harassing calling everyday.. I'm XXXX and living on a fixed income..Please resolve this problem..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to call me re : Sallie Mae Loans that were forgiven in 2012 & they're reporting erroneous information to the credit bureaus.
Product: Checking or savings account

On XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span>, my debit card number was stolen by someone who used it at a XXXX XXXX 2 hours away from my house. I did not authorize this use, nor did I ever lose the card. This fraudulent charge was for approximately {$1200.00}. I immediately called Simple and blocked my card and reported this as fraud. 

Simple granted me a provisional credit onXX/XX/XXXX and initiated an investigation, during which they asked if I had ever visited that XXXX XXXX store ( I had not ) and if I knew a person that they asked about ( I did not ). 

OnXX/XX/XXXXXX/XX/XXXX Simple declared that there had been no error on the account and that they were not going to honor my dispute for this fraudulent charge, and they would be removing this money from my account again onXX/XX/XXXX. I have not been able to speak to anyone in the disputes team to understand why this team found me at fault. 

I have filed a police report and will be sending this report to the Simple team today.
Product: Debt collection

The original creditor was notified of my activation under military order and exercising of protections under the SCRA. Immediately following the creditor charged of the account and sent it to this collection company. I notified the company that I was protected from such adverse actions under the SCRA and they said they would call my commander and make and garnish my military pay. Every action taken by the original creditor and this company is a violation of my protected rights under the SCRA
Product: Credit reporting or other personal consumer reports

I did not give XXXX XXXX or Equifax consent to share my personal information with any company and place any hard inquiries on my credit report. This is a violation of my right to privacy act. I am asking that all consent forms from each company to be forwarded to me immediately or remove those hard inquiries from credit report.
Product: Credit card or prepaid card

On XX/XX/21 I spoke with a customer service ( XXXX, may be incorrect spelling ) to stop a payment on a check I wrote to XXXX XXXX on XX/XX/21, as I was unaware of the transaction fee. The representative said I was not going to be charged as the check has not cleared. On XX/XX/21 I noticed I was charged {$6200.00} along with a transaction fee of {$120.00}. I had a credit balance before this charge of {$280.00} so my current balance now shows {$6000.00}. On XX/XX/21 I spoke with a representative named XXXX and he filed a report about this and gave me a case number of XXXX. He told me this should be resolved within 7 to 10 business days which would have been XX/XX/21. No resolution to date told pending status with each call. I filed a complaint with the company on XX/XX/21 case number XXXX with no resolution to date. The company send me a bill due for XX/XX/XXXX with a minimum payment of {$60.00}. I called again today XX/XX/21 and was told now it can take 1 to 2 billing cycles to clear up. I am upset that I have to make any payment on this to avoid late fees and interest when this company failed to put a stop payment on the check. If anything they owe me money for my initial credit balance. Please help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Below is what transpired between myself and XXXX retail card services I sent to Customer Service Department : This is the XXXX  letter I am sending to you, my final attempt to resolve this issue with your company. I will also be sending all of this information to the Better Business Bureau as well as my credit reporting agency. 
As I previously outlined, every charge you have applied since XXXX XXXX, XXXX has been incorrect on your part. 
Called XXXX XXXX to cancel XXXX XXXX on XXXX XXXX, XXXX after final payment was made on the phone on XXXX XXXX, XXXX. I was told the account was closed and I would still owe the {$23.00} because I should have seen it on my bill and therefore was my responsibility. I paid the * {$23.00} on XXXX XXXX, XXXX and my XX/XX/XXXX bill shows a {$0.00} balance. 
Called XXXX XXXX, XXXX to try to cancel the XXXX XXXX account AGAIN, after being charged {$11.00} XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. 
My XXXX statement shows that I paid {$95.00}, which was the refund XXXX provide for the previous XXXX  months of XXXX XXXX charges that were billed to us after we cancelled the program. These were credited to my account on XXXX XXXX, XXXX. At this point my balance was negative, meaning XXXX owed me a check for {$47.00}. 
I was charged the {$11.00} AGAIN on XXXX XXXX, XXXX!!!! 
I was charged {$11.00} on XXXX XXXX, XXXX and * {$23.00} credit balance refund. 
In XX/XX/XXXX I was showing a balance due of {$35.00}, even though I owed {$0.00} as detailed above. I paid the {$35.00} on XXXX XXXX, XXXX, check # XXXX in hopes of FINALLY closing this out once and for all. 
I continue to be harassed by your company, charged fraudulent charges and wrote a detailed letter on XXXX XXXX, XXXX to try to resolve this. I got no response to my letter other than a letter from XXXX XXXX on XXXX XXXX, XXXX stating you are sending this balance to collections! 
I have tried to resolve this, I have paid more money than I actually owed you to try to close this out, none of which were successful. If you send this to a collection agency, I will be forced to report you to the Better Business Bureau and file a formal complaint for harassment and fraud with my attorney. Just because this has wasted so much of my time, caused me so much frustration, I am willing to spend my money on attorney to stop you. 

Please advise as how you would like to proceed. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I am now trying to buy a home and this showed up on my Crdit history. This company should be held accountable for doing this. If they are doing it to me they are doing this to many and getting away with it. 

Please Help, kind regards
Product: Credit card

Account Issue : I opened three credit card accounts with Barclays in XX/XX/XXXXXXXX  : the JetBlue card, the Wyndham Earners card, and a business credit card. Shortly after opening these accounts, Barclays requested identity verification documents. I promptly submitted my identification and proof of address on three separate occasions t

o Barclays ' Security Department. Approval Confirmed : I had a recorded conversation with a representative from the Security Department where I was informed that my documents were approved, and the issue was
resolved. However, about a week before the physical cards arrived, my accounts were locked again, and Barclays requested the same documentation for a fourth time. 
Repeated Delays : Despite complying with all requests, Barclays has consistently delayed resolution. I was repeatedly told by representatives and supervisors that the issue would be resolved within 48 hours, but weeks passed without any progress. On multiple occasions, Barclays confirmed that there were no additional issues and that I would regain access to my accounts, yet the problem persists. 
Reporting to Credit Bureaus : Barclays reported these accounts to the credit bureaus, which now reflect on my credit report. However, I have been locked out of these accounts since XXXX and have not been able to use them. 
Payment Due : Barclays has set a payment due date of XX/XX/XXXX, despite my inability to access my accounts. I am unable to sign in, view statements, or make payments. 
Impact on Me : This situation has caused significant inconvenience and stress. I have complied with all verification requests, yet I am being penalized for Barclays ' mismanagement.
Product: Money transfers

Transfer was pending at recipient bank for over 5 days at BMO Harris at XXXX XXXX XXXX in XXXX IL. Branch manager was on vacation and transfer department ignored my ACH deposit for {$30000.00}. This made me scared the transfer was lost, and angry that I was ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had moved from XXXX to XXXX and several bills were sent to old address, I was late paying them by the time I got them. Those late bills have been recorded in my credit score. I have since made payment on time. I have called the companies to request the removal of those late payment, I have dispute several times with Transunion, XXXX and XXXX, unfortunately they are not removing despite the fact that I have made all my payment on time for 2 years. I 'm trying to buy my house and the banks are not liking those delinquencies. I need it removed to be able to buy my current home. late payments happened in 2015.
Product: Student loan

Every month I receive from XXXX an invitation to lower the cost of my student debt : " We 've missed you! '' Simply log in and check your rates. I apply and always get rejected. they keep sending me an invitation to re-apply " XXXXXXXX is the 5th one of these I 've received. The latest one onXX/XX/XXXX, 2017.
Product: Credit card

Take a look at the attached documents. I am urging the bureau to launch an investigation into these accounts, which inaccurately portray me as late in payments.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX
Product: Bank account or service

I was defrauded by an individual who claimed he was purchasing a piece of furniture with me. He agreed to a purchase price of {$520.00}. He sent me a XXXX money order, which seemed fishy but possibly legitimate, for much too much money, XXXX money grams for {$930.00}, or {$1800.00} total. I communicated with him via SMS that i had received too much money, he stated that the extra was for the shipper, and he was having multiple items picked up. He requested that I take out the delta in cash and forward to the shipper via money order, whose name he sent me. This is where I was social engineered, and it retrospect it was not a smart move. 

I then *waited* for the money to show as " settled '' in my checking account, which i did. I assumed that this meant the money was legitimately in my account and available for withdrawal. I took out XXXX {$1300.00} in cash and sent the guy a XXXX for that amount. 

Then, trying to arrange for pickup, on XXXX the buyer claimed that his child had gotten into an accident and he could n't buy the furniture anymore. I got extra suspicious, and checking out my Chase balance was alarmed to see that the funds from the original money orders were being reversed. So I know this was all a fraud from the beginning. 

I approached Chase 's fraud department to dispute the withdrawal, since they had cleared the money order funds. They referred me to their customer contract where they state they can " withdraw any money from my account at any time for any reason '', which i told them was horrible customer service. 

Thus my complaint. Chase Bank must see fraudulent money orders often, and should have protected me a long customer from this by NOT SETTLING FUNDS until they were cleared by XXXX -- like most credit cards would do automatically. I 'm quite upset!! In other words, do n't trust Chase with money orders that " cleared '' actually means anything. Because it does n't.
Product: Student loan

When I got out of school XX/XX/2010 I paid Navient a check for XXXX to pay down my student loan debt and they never credited my account. I have hired an attorney and I made them power of attorney on my account. Navient refuses to send me copies of payments made to me or them and they will not accept the power of attorney that we have sent them several times. Please I need help on what I should do because my loans keep adding up and I cant afford to pay this debt because they will not credit me the right amount that is owed. I paid the XXXX to XXXX because that was who I was advised to make my payment to from the school please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes XXXX | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

( Pub. XXXX XXXX, title VI, XXXX, as added Pub. XXXX XXXX, title VI, XXXX, XXXX XXXX, 1970, XXXX XXXX. XXXX. ) XXXX XXXX XXXXXXXX XXXX about... Articles from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How current is this? 

SPONSORED LISTINGS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX