23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We have been repeatedly contacted by about a Debt we owe to XXXX. I have clearly stated that we owe no Debt to XXXX, there Account is wrong, there were many issues with our account that were never addressed. XXXX has filed for bankruptcy I do not have access to any of the accounts associated with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Add to complaint id # XXXX XXXX XXXX proceeded to close both accounts, but the balance still remains on my fico report without my authorization. This is fraud and according to the FDCPA FCRA & TILA laws and regulations both accounts balances should be immediately removed.
Product: Credit card or prepaid card

On a previous response to the CFPB there was a different answer than the letter I received denying me a credit card through Wells Fargo. 
Previous complaint : XXXX. 
I provided my information/ social security number at the time of application. 
The letter said I had delinquencies on my credit, I do not. 
This response is a lie, I did provide my information and no one from WF reached out to ask me for that information. 
This is bait and switch and highly illegal to get my information. 
Additionally, I have received many spam calls and emails since this application. 
This is upsetting, I expect them to make it right, if you pulled my credit and sent me a denial letter you had my social security number! 
You would not say in the letter that I have delinquencies if you didn't pull my credit. 
Shameful behavior!
Product: Credit reporting

I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/15 on EQUIFAX. I did not authorized anyone employed by or at this company to make any inquiry or inquiries and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX 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

The account of XXXX which has been attached has not been removed from my credit report. This account should be removed from my credit report as it is not mine and a police report has been filed to show that it is a fraudulent charge.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XX/XX/XXXX require the XXXX credit bureaus to validate these accountsXX/XX/XXXX It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXX/XX/XXXXBalance : {$9700.00} XXXX XXXX XXXX : {$800.00} XX/XX/XXXXXXXX Balance : {$1800.00} XX/XX/XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Per the attached screenshot, I discovered on XXXX that my score back on XXXX decreased by XXXX pts XXXX Experian took me off their XXXX program XXXX allegedly my address changed with my XXXX XXXX. Nothing has changed with XXXXXXXX XXXX XXXX Experian, however, Experian shows physical & Mailing address on my credit report which is correct but the address with my bank is still the XXXX XXXX XXXX Experian also has. I tried to fix online with Experian & got a message my bank needs to contact Experian. I never received any notification from Experian this would have occurred and I'm trying to get a mortgage loan to buy a house.
Product: Credit reporting or other personal consumer reports

BY 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 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 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 IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Debt collection

XXXX XXXX XXXX is in violation of my consumers rights ( 15 U.S. Code 6802 ) by providing my personal information to Credit Collections who | do not have a contract or debt with, which is considered Identity thief.
Product: Checking or savings account

I opened a CD with Wells Fargo via the internet. The CD matured. I attempted to close the CD and transfer the funds to my checking account with Wells Fargo within the grace period. I was told I couldnt do it over the phone even though I did it with my last CD with Wells Fargo. I made an appointment to go to a branch and was told I would be charged $ XXXX to close the account because the appointment I made on Saturday was 1 day after the grace period ended. I couldnt go before as I work during the week. The interest rate dropped from 4+ % to 1.98 %. How can a bank make it so difficult to close a CD but make it so easy to take my money. There should be better regulation to ensure customers are protected against practices like this from big banks. My XXXX saving account is offering me 4 % interest so I will incur financial loss as a result of this business practice.
Product: Checking or savings account

Starting the evening of XX/XX/year> notifications through text informed me of unusual activity on a debit card linked to the Chime Checking account. About three ( 3 ) charges were denied based on this that I did not make ( 1 to XXXX XXXX, 1 to XXXX XXXX, 1 to XXXX ). All three of these were properly denied by the bank on preauthorization at the time of charge. However a 4th charge to an auto part store online on XX/XX/year> for {$46.00} went through and this is the contested charge. The card was turned off immediately and a replacement was requested. There was no doubt that the card was compromised during this period of time when the auto part charge was made. I did not make this charge nor give anyone permission to use my card. Chimes call center was very unknowledgeable and even at first claimed they did not have a fraud department which was very concerning. I called the next day and they said they do have a fraud department but I actually do not talk to them as the call center takes care of it. A letter was received XX/XX/XXXX denying credit back to the account for the fraudulent charge. It must be noted that Chime never did temporarily credit my account during the investigation.
Product: Credit reporting or other personal consumer reports

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

Inquiries : XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX  XXXX XXXX XX/XX/year> XXXX looked at my Equifax report on XXXX XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer report it follows reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).
Product: Credit reporting

I requested Experian to validate/remove a discharged bankruptcy on my credit file. They refused to do so and advised me that this is public record from the bankruptcy. I in turn reached out to the Bankruptcy court here in Michigan and was advised that they do not report to any of the credit bureaus. I certified mailed a copy of that letter to Experian and they have yet to remove this information from my file. As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Experian refuses to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXXXXXX XXXX Balance : {$240.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4400.00}
Product: Student loan

I have been paying on my navient student loan since 2010 and through the years I have noticed they have quite deceptive practices. Despite every payment being made on time and a lot of extra payments, the interest rate continues to go up. They do not allow a payer to set up recurring payments that are over the due amount so I have had to go in monthly and submit an additional payment in addition to the recurring payment ( of the minimum due ). Upon making extra payments in order to pay the loan off quicker, navient in return reduces the amount they take from my account the following month as if they are purposefully attempting to lengthen the time the loan is paid back and thus getting additional interest. The interest rate has also increased steadily over time. This is very unfair practices to borrowers and they are clearly attempting every effirt to maximize their interest income and to keep borrowers stuck in a student loan as long as possible. Despite 100 % payments made on time, being paid $ XXXX of dollars a head of schedule, and a credit score greater than XXXX, my interest rate is now nearly 10 %, which I find very unacceptable for a student loan. These practices really need to be looked into.
Product: Money transfer, virtual currency, or money service

After a review of your account activity, weve determined that youre in violation of PayPal 's Acceptable Use Policy. As a result, your account has been permanently limited and you wont be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo XXXX and the PayPal shopping cart. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive funds.If you have funds in a PayPal balance, well hold it for up to 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including liquidated damages. After that period, well email you with information on how to access any remaining funds. 
If there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owed to PayPal to avoid further action. 
Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts Reference ID : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a paid closed account but has still showed to late payments despite being paid and charged off years ago I ask them to please remove this account and its late payments from my credit profile its a charged off account reporting late payments this account has been closed for years
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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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: Debt collection

On XX/XX/2023, I received notification from my credit bureau monitoring services that my credit file for XXXX, XXXX and XXXX was flagged for collection on an account I have never heard of. I never received any notifications of right to dispute by phone or mail. 

All the information I have on this collection is what is provided on my credit report. 

After investigating this company with XXXX XXXX XXXX they have several complaints regarding frivolous collection attempts.
Product: Credit card

Citibank is a credit card co that my Ex husband took out in my name ( with no way to prove it ), 18 yrs ago. I am XXXX and very sick.. I was NEVER contacted by this company, and on XXXX XXXX, 2015 My Domestic husband passed away XXXX we were together 15 yrs, I stopped working the next month in XXXX and in XXXX 2015 this company that I DO NOT owe tried to garnish my wages, but I was not working there when they did this and instead of repealing it they left it sit there with the company, I came back to work this month, 8 months after my " husband '' passed I got my first paycheck to find out they garnished my wages for XXXX after I called my employer, they told me, and I filed a motion with the court to have this garnishment stopped as I not only do not owe it, but am a very sick woman and can barely pay my bills. that is why I got the work at home job ... I should NOT be working now but since my " husband '' died XXXX I do not have a choice, I cant make it on my own, and this garnishment is making things harder on me. I need for them to stop this garnishment I can not pay my bills or eat with this garnishment, and the little help I do receive I wont be receiving anymore due to me working., if I can not get them to stop the garnishment I will have no choice but to file bankrupcy.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2020 someone has been using my personal identification information to open new accounts and personal loans. Please help me to resolve this issue with experian the credit reporting agency.
Product: Debt collection

I am disputing the following account with XXXX XXXX : XXXX XXXX. Account # XXXX. Date opened XX/XX/2015. Credit limit {$420.00}. Balance {$0.00}. Status : closed. 

Experian keeps on reporting this related to fraud account. 
I tried to solve this matter with them, but they have refused to remove the item, when I even have proof that the account was fraudulently opened! 

I am demanding, once again, this item to be removed from my records. 

Please, send the attached documentation to Experian.
Product: Debt collection

I received a phone call last year in XXXX or XXXX from XXXX utility Company stating that an account with an unpaid balance of {$2400.00}. I filed a report that this account was a result of identity theft as my identity was stolen in XXXX. They stated that they would do an investigation. They then contacted me a month later stating that they would remove the account since I provided proof that I was not living at the residence where the account was opened and that this account was opened fraudulently. In XXXX of XXXX, I received a notification on my credit that a law firm by the name of LJ Ross and Associates placed a collection on my credit report for the amount of {$2400.00} collecting on behalf of XXXX. I demand that this account be removed from my credit report. I have reached out to them three times already to resolve this problem, they have refused to comply to the FCRA rules. Before I take this case any further, I decide to submit a complaint first before I contact them for a fourth time. If they still refused to delete this account from my report that leave me no choice but to press charge against their company for the damage they have cause to my credit report.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Vehicle loan or lease

EXETER Finance Did An ILLEAGAL REPO in my car with no notice
Product: Credit card or prepaid card

On XX/XX/2022 I cash app someone {$470.00} in error. Once I found out the person it was intended for I followed the procedure to get a refund. However by this time the company was closed for the day, I reached out to chat support and didnt receive a response from them until the next day. I spoke wil cash several times today on XX/XX/XXXX to no avail no one can help me. I requested a Manger still have not heard back from XXXX by email. Now Im out of {$460.00}.
Product: Credit card or prepaid card

Comenity Bank performed a scheduled maintenance that led to a complete outage ( unable to check your balance, pay bills, use cards ) as well as a customer service outage starting around XX/XX/XXXX, it is now XX/XX/XXXX and there still has not been any communication or fixes other than copy pasted retweeted tweets on XXXX from the Comenity Bank account. 

Hundreds of thousands of users are left without being able to pay their bills, likely will have our credit score affected, and also unable to view our accounts and unable to use the cards at the select stores.
Product: Credit reporting, credit repair services, or other personal consumer reports

North American Recovery # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX are double reporting an account on XXXX. This is the same account and it is really old and should no longer be on my credit, as well as they should not be double reporting. The North American 's original creditor is the XXXX XXXX XXXX but the XXXX XXXX XXXX is still reporting a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair service for what i thought was a lot of money ( XXXX to enroll then an additional monthly fee ). But i needed my credit fixed. A few months later i checked my credit and nothing had happened. I cancelled the service and they continued to harrass me saying that i owed them money but no work had been done on my file. Now i have a collection on my report for XXXX? There is no way i owe this. As no work was done on my file. I've tried disputing this with the credit bureaus but haven't had success. Please help me in getting this collection off my credit report.
Product: Mortgage

After being assured by the loan originator that everything was perfect and there would be no issues in XX/XX/XXXX just now in XX/XX/XXXX I have been denied a mortgage. Of course after spending {$400.00} dollars on an appraisal and countless other {$5.00} transactions to fax over document after document to prove the most ridiculous things, from where deposits as low as {$140.00} came from to the ownership of a XX/XX/XXXX XXXX wheeler. In the end they denied me based on credit issues which have only improved over the four months of jumping through hoops. The reason for denial is a fabricated XXXX and I believe I should get a full tefund for all the money I spent due to being lied to from the start. I believe the underwriting division of this mortgage through 5/3 did not do their job properly as well as the communications between myself and 5/3 mortgage was horrible. I ended up having to reach out to the bank manager to have him contact the loan originator for me. The underwriting department headed by XXXX XXXX has had XXXX contact with me regarding my mortgage application and process for over two months. Then I simply receive a letter stating it was denied. Four months of wasted time and money and not only no mortgage but absolutely no explanation as to why. Horrible customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I APPLIED FOR A MORTGAGE AND THEY DENIED ME BECAUSE THEY SAID I MISSED A MORTGAGE PAYMENT WITH XXXX  XXXX  XXXX  ... I HAD NOT. I CALLED XXXX AND THEY COULD NOT EXPLAIN WHY THEY THOUGHT I WAS LATE. I WILL ATTACHED MY RECORDS OF MY PAYMENTS WITH THIS COMPLAINT. I NO LONGER HAVE THE LOAN WITH XXXX AS IT IS PAID OFF. THEY LISTED ME 30 DAYS LATE FOR XX/XX/2019. I WAS NOT PERHAPS THIS WAS WHEN THEY WERE TRANSFERING TO XXXX XXXX XXXX WHICH THEY SHOULD NOT HAVE BEEN REPORTING NEGATIVE INFORMATION ANYWAY DURING THAT PERIOD