23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This complaint is being filed cause sometime in  XXXX  i realized that my card was missing and i reported it to discover. They never credited the fraud charges so i was waiting for the credits to be done on the account. Today i called in and they had never flagged the fraud charges and i am being reported to the credit bureau for 30 day late payment for  XXXX   2017. I ha ve contacted them and been transferred to several departments and to no avail been able to have this resolved.
Product: Bank account or service

I have been trying to close my SunTrust Bank account as they keep allowing false charges to be made to my account. When I asked for my account to be closed it had a positive balance. It took them several days to acknowledge my request to close the account and then mysteriously several out of state charges started to show up on my account. Now my account is in the negative because yet again they have allowed false charges or are trying to sabotage my account closing by adding a ridiculous number of charges and overdraft fees. If they had closed my account when I asked then they would be mailing me the positive amount left in my account now they are claiming my account is negative by $ XXXX. I believe there is something fishy going on with their accounting. I have had nothing but trouble with them allowing false charges and me continuously paying them and now all of a sudden more fishy charges are added to my account upon my request to close the account. I believe they are practicing unfair business and treatment of their customers. When I brought this to their attention, they asked if I would like to make a fraud complaint in which I said yes however was told they could not complete on their end I 'd have to call in. I called in several times over the course of several days and each time I was placed on hold for more than 30 mins and never allowed to talk to an actual person.
Product: Credit card

i called and made a {$1600.00} payment on my best buy credit card and the representative misrepresented the terms of the payment. I told the rep i would be calling back to pay the account off in a few months the rep told me i should n't have a payment for a few months because i had paid such a large amount. The {$1600.00} dollar payment was made on XX/XX/2015, i called on XX/XX/XXXX to make a payment only to find out that my account was past due by almost XXXX days since the big payment was made in XX/XX/XXXX. This is a huge issue because I 'm in the process of buying a home and i am XXXX days out from closing on it the main reason why i paid such a large amount on the account is because it was suggested to help with my credit score now i have a 30 day passed due. I would not have ignored a XXXX $ bill after paying such a large amount. I have made several attempts to explain the situation and get it rectified through BestBuy the creditor with no progress made. This is costing me a great financial hardship I 'm in the process of loosing XXXX in ernest money and potentially the home purchase all together. Account number is as follows XXXX it is handled through a Citi Bank. What i would like is a deletion from my credit or removed all together if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX 2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX and Experian with no success. They have refused to update information. Accounts to be removed : XXXX # : XXXX and XXXX XXXX, all non-account holding inquires such as XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I Have never lived at XXXX XXXX XXXX XXXX, Il XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX, IL XXXX ; have never worked at XXXX XXXX, XXXX XXXX XXXX XXXX. Account to be added XXXX XXXX # : XXXX
Product: Debt collection

i need the three credit bureus to deleted these accounts, i was a victim of identity theft and they couldnt validate these account is mine. i been disputing for a year already. 

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

On XX/XX/2018 I sent a correspondence to Equifax via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) it was received on XX/XX/2018 and signed for. The correspondence was in regards to an account on my credit report, that shouldn't be on my credit report. This account is listed as a negative charge off, when it shouldn't be list on my credit report at all. I attached my police report to the correspondence and had my documentation notarized. I am attaching all documentation sent onXX/XX/XXXX to this complaint. I am also attaching the correspondence from the alleged creditor i.e XXXX XXXX BANK where they admit that I was not responsible for the alleged account after an investigation ; this other account is no different ; I am not responsible for it nor is it mine ( XXXX XXXX ). Per FCRA 605B ( 15 USC ss 1681 c-2 ) they have XXXX business days to remove the account/item after the police report is received. It has been more than XXXX business days since it was received on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am being sued by a company ( DNF Associates ) that is not a registered entity in my state of AZ. The XXXX XXXX XXXX filed a claim stating the original creditor was XXXX which is false, misleading and hampered the defendants ability to file an accurate answer defense response to the complaint. There is also an Arbitration agreement with the original creditor XXXX XXXX that states any claim that arises out of or in any way relates to the Agreement, your Account, or this Provision ( the Claim ( s ) ) shall be resolved exclusively by binding bilateral arbitration in accord with the following : a ) This Provision is contained in a contract evidencing interstate commerce and is governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16.
Product: Money transfer, virtual currency, or money service

I am willing to informally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have some fraudulent inquires on my Equifax credit report. I have listed the inquiries below. 


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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XX/XX/XXXX
Product: Student loan

I was quoted a rate based on having the loan deferred. I was very clear that I wanted the ability to make payments during the deferred period. I was told that I could do this. I was then told that I could get a lower rate XXXX of if I had my daughter open an account. When I went to sign the promissory note I didnt see the discount of the rate and the lending officer said that I wouldnt see the rate reduced until I set up for automatic payments. I then said I would sign up for auto payments and make a small payment to get the XXXX off. He said auto payments were not an option with the deferred option. I asked why he said my daughter had to open the bank account then. He stated there is XXXX off for opening the account and XXXX for auto deduction. I have received neither discount. If I am eligible to make payment during the deferred period I should be allowed to to auto deduct and get the discount. This has been a horrible experience for my daughter first loan. I have not been able to have anyone call my to make the adjustments
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. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 XXXX XXXX XXXX XXXX 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: Debt collection

I looked at my credit report last week and noticed that XXXX had reported that I had an outstanding bill of {$250.00}. I challenged the validity of the bill, especially since I had not been with XXXX for since last XXXX XXXX 2014 XXXX and I had not received any bills stating that I owed any money since I switched XXXX. In addition, I stated to her that during the last conversation I had with a XXXX Representative, I understood that I did not owe any money. Anyway, I explained to her that the only mail I ever received from XXXX was mail soliciting my services with offers of gift cards as incentives. I could not understand why they 'd want to have me as a customer if I had an outstanding balance. I however asked the Agent to send me a statement verifying this outstanding amount. Yesterday, when I got home from work I received a large envelope from XXXX with a bill for {$110.00}. Amazingly, the balance was lowered and I was given a date of XXXX to pay this amount. I still have'nt reviewed it for accuracy because I was tired and went to bed. This morning, I received a call from XXXX XXXX, who stated that he was from Stellar Recovery and he was calling about an outstanding debt of {$250.00} from XXXX. He demanded from me when I was going to pay this amount. I explained to him what transpired with the XXXX Representative last week, but he was unwilling to listen to my explanation. The manner and tone with which he spoke was very rude and disrespectful. He continued to ask me when I would pay the {$250.00}, even though I told him I would not make any payments until I had reviewed the statement I received from XXXX and I added that in any case I would deal with XXXX on resolving he matter. He kept on demanding I make a payment today. Eventually, I disconnected the call and I blocked the number XXXX XXXX XXXX XXXX. I just recovered XXXX and I can not deal with XXXX being harassed and threatened, especially when I tried to explain the situation and the XXXX XXXX refused to listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 i sent you letters about a lot of inaccuracies on my credit report, but I still havent received any response from you. I need my credit report to be cleared from all these errors and i am begging you to clear off stuffs that should not even be there in the first place. My information might have aslo been affected by XXXX data breach so please go and investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX20, XXXX20, XXXX20, AND XXXX20, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) XXXX ( f ) ( i )., for unlawfully obtaining my XXXX XXXX XXXX XXXX report on XX/XX/XXXX & XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with FACTUAL DATA, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
Product: Debt collection

My name is XXXX XXXX and I am submitting this compliant without any influence of a third party agency.
Product: Credit reporting or other personal consumer reports

i XXXX XXXX XXXX Who resides at XXXX XXXX XXXX XXXX Ny XXXX and no other additional addresses, I am asserting my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681. Per the FCRA, I am now opting out of any and all authorization the consumer may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in 15 U.S. Code 6802. 
According to the FCRA, consumer reporting agencies like XXXX and XXXX are obligated to exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy, as stated in 15 USC 1681 section 602a. As the consumer, I have the right to ensure that my private information isn't shared, supported by 15 USC 6801. 
Furthermore, as a financial institution, the furnisher of information to credit agencies falls under the definition provided by 15 USC 1681 section 604a ( 2 ), and they do not have my consent to furnish this information, as I have not provided written consent. 
Additionally, 15 USC 6802 ( b ) ( c ) mandates that a financial institution must inform the consumer of their right to exercise their nondisclosure option, which the furnisher of information to credit agencies failed to do. 
Moreover, under 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in a consumer report without authorization, yet they continue to report adverse items without my permission, violating the law. 
It is also worth noting that under 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, XXXX and XXXX are required to maintain reasonable procedures to avoid violations of FCRA sections and limit the furnishing of consumer reports to specific purposes, which they are failing to do. 
Lastly, as per 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time. Therefore, I am officially opting out of your reporting services.
Product: Debt collection

Contacted by Todd Bremer and Lawson regarding an outstanding tuition bill with XXXX XXXX University that my daughter incurred. Advised them I would pay the school directly. They called me back a week later, I advised them I paid the school directly - they disagreed, I was asked to pay the debt again. I find this tactic to be inappropriate considering that the outstanding debt was over $ XXXX. 

When I called to express my concerns with this interaction the manager, XXXX XXXX ( XXXX ), was rude and she hung up on me trying to have my call escalated to a more senior-level manager in the firm. When I returned the call, the secretary advised me to leave a message for TC outlining my complaint. I asked if there was some other way to express a complaint with how I was treated, the secretary said that I could leave a message for another manager. I refused to allow this issue to be not be addressed so I am forwarding a complaint to the CFPB so this firm 's practices can be reviewed for unethical practices such as attempting to collect debts not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached letters to XXXX XXXX XXXX XXXX, Equifax and XXXX. Here are the facts : 1 ) XXXX XXXX XXXX XXXX initiated foreclosure proceedings on my principal residence in XX/XX/XXXX. 2 ) In XX/XX/XXXX, I filed Chapter XXXX bankruptcy 3 ) In XX/XX/XXXX my Chapter XXXX bankruptcy was XXXX along with the debts that were included in this bankruptcy, including the mortgage on my principal residence. 4 ) Between XX/XX/XXXX and XX/XX/XXXX, I negotiated a loan modification to my mortgage loan and began making payments in XX/XX/XXXX. 5 ) I have made monthly payments on this mortgage loan every month since XX/XX/XXXX, have never been late nor missed a payment. 6 ) I applied for a automobile loan at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and a secured VISA credit card ( {$1000.00} deposited for a {$1000.00} credit limit ) at XXXX XXXX XXXX XXXX on the same day ; the first was because I need to purchase a used vehicle and the second is because I need to re-build my credit. 7 ) The automobile loan was denied due to lack of credit history. The secured XXXX card was denied because of a past loss ( because of the Chapter XXXX bankruptcy ), despite the fact this account would be fully secured with no loss potential for XXXX XXXX XXXX XXXX. 8 ) Upon # 7, I pulled all 3 of my credit reports ( Equifax, XXXX and XXXX ). I was shocked to see that XXXX XXXX XXXX XXXX was not reporting my positive payment history on my mortgage loan for the past 4 years on XXXX and XXXX. XXXX does show my payment history accurately. When I contacted Equifax, they told me I had to get XXXX XXXX XXXX XXXX to remove the " Included in Bankruptcy '' designation and then they could report the positive credit history. On both Equifax and XXXX, they are both showing my mortgage account CLOSED, when in fact it 's not. I have filed complaints with both of these agencies. 9 ) I also spoke with XXXX XXXX XXXX XXXX. They claimed that since my mortgage debt ( but not the lien ) was discharged in bankruptcy, they are prohibited under Federal Bankruptcy law from reporting any credit history for debts that have been discharged in bankruptcy. Federal bankruptcy law has nothing to do with credit reporting. The Fair Credit Reporting Act does. My point is, why ca n't my POSITIVE payment history on my modified loan be reported and published by the credit reporting agencies?? XXXX is reporting this information correctly. That is the only way I 'm going to be able to obtain credit in the future. 10 ) Finally, I spoke to XXXX XXXX XXXX XXXX again this morning about potentially re-financing my loan which is currently in modification but will be due to re-set in XX/XX/XXXX. They told me it would be VERY likely denied because of a " past loss '' no matter my payment history since the loan was modified, no matter my income, and no matter the amount of equity I have in my home ( which is currently approximately {$180000.00} ). This is simply punitive and really should be outlawed.