23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received my new Chase chip card credit card several months ago. Called up Chase and they said it was activated and I did n't need to activate it just use it, it is activated. I use my credit card every day and pay my credit every 2 weeks. Suddenly Today I use my credit card to make a {$160.00} charge for concert tickets and my credit is declined. I have {$6000.00} credit on my credit card. Since my credit card was declined I did n't know why and I lost the concert tickets which will result in me having to pay {$320.00} for the concert tickets from a third party!!! Chase 1st said it was address issue, then their next excuse was they said my card was n't activated. They did n't email, text, or call me to let me know my credit card was deactivated today so I could resolve the issue. Ticket companies only give you a few minutes to purchase a concert ticket before you lost it. 

1 ) Consumer 's credit card should ALWAYS need to activate their new card and should n't work unless it is activated. 
2 ) Credit Card companies should NOTIFY by phone, text and email if they are going to deactivate their credit card for something other than no credit instead of getting the unpleasant surprise I received today.
Product: Credit reporting

Recently there was a problem were inquiries were removed then added again. Some of mine were deleted then added again when I looked at my XXXX XXXX account. Please have them delete these.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY wrong address please see attachments
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

Name of company : LVNV FUNDING LLC COLLECTION/CHARGEOFF
Product: Money transfer, virtual currency, or money service

At XXXX on XX/XX/2021 I tried to withdraw my money that I had on my cash app card. When trying to withdraw my money from the ATM, I kept receiving an error message. I immediately contacted cash app support team explaining to them that I was not able to withdraw my funds from an ATM nor at a grocery store cash back purchase. The representative told me to try again that it should work, it didn't. Again on XX/XX/2021 I reached out to cash app support and explained to them that I am not able to cash out funds by linking a debit card nor can I cash out by linking a bank account, every time I tried it gave me an error message saying failed to link bank or incorrect info. yet when I go on my banking app I am able to login so I expressed to the representative it is not the wrong information that Im entering and every time I try to link a government issued bank debit card or link my account and routing number it gives me a error message. The representative then tells me that unfortunately there is nothing that she can do as she gave me all the options I have and all I can do is try linking new banks and cards as the ones that I tried are not able to be linked to cash app and she can't override it. Long story short, I have been messaging and emailing cash app managers and representative about this issue since XX/XX/2021 and I have not been able to get my money off. I am not able to send or receive money because they closed my cash app account shortly after my complaints to them and told me that my account was in violation because I requested a refund. I am not able to transfer, receive, send, or cash out my funds.i have asked for a check to be mailed or for any help of any kind and I get the same message In response from their support team.
Product: Credit reporting or other personal consumer reports

My credit report lists late payments that conflict with my payment history. Please investigate and amend these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of they are violating the Fair Credit Reporting Act. Please delete late payment or remove XXXX XXXX XXXX card account ending in XXXX from my credit report. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission. According to 15 USC 1681 I have the right to privacy. According to USC 15 USC 1681s-2 A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. I can go on and on, the credit bureaus have no respect for the laws and this is unfair. Someone needs to hold them accountable for this. The company sent me a letter stating the issue has been resolved when it has not been resolved. XXXX XXXX credit card is still reporting a late payment from XX/XX/2024. Please remove this late payment as this information is incorrect.
Product: Checking or savings account

My wallet was stolen from a parking lot on XX/XX/2022 and my debit cards were promptly used in person by the thieves at local stores. From this bank ( Bank of America ) there were charges to XXXX XXXX for {$210.00} and {$200.00} subsequently. My PIN was not used according to one of the BoA representatives. The bank is claiming that my charges were authorized and denied the fraudulent claim. They closed my case and never asked for my police report or other proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on a factual dispute directly with XXXX XXXX, this account is reporting a 30 day late in XX/XX/2021 when they just verified that the account was late in XX/XX/2021. Within the FCRA guidelines all account information must be reported accurately or it must be removed from the credit report
Product: Student loan

Subject : Request for Documentation and Proof of Interest Accrual Validity Dear Aidvantage, Thank you for your response regarding the interest accrual on my student loan account. I acknowledge your explanation ; however, I require further clarification and supporting documentation regarding your assertion that my 0 % interest rate eligibility did not begin until XX/XX/ XXXX. 

Given that I was enrolled in the Saving on a Valuable Education ( SAVE ) Plan, which explicitly states that interest does not accrue while monthly payments are {$0.00}, I find the reasoning provided in your response insufficient. Furthermore, statements made by XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, indicated that all borrowers enrolled in the SAVE Plan would benefit from an interest-free forbearance during this period. 

I respectfully request documented proof or official guidance that demonstrates why my 0 % interest eligibility under the SAVE Plan did not begin until XX/XX/XXXX. This proof should include : 1XXXX XXXX XXXX XXXX  guidance or policy outlining the criteria used to determine the delayed start date of my 0 % interest eligibility. 

2. Specific justification as to why my account, which was placed in forbearance starting XXXX XXXX, XXXX, did not qualify for 0 % interest immediately. 

3. Any communication records or documentation sent to me informing me of this delayed eligibility date.

4. Documentation or Official Guidance : Any federal guidelines, court rulings, or instructions from XXXX XXXX XXXX XXXX XXXX XXXX explicitly stating that my 0 % interest rate eligibility began on XX/XX/ XXXX, rather than XX/XX/ XXXX. 

5. Detailed Timeline : A clear breakdown of how and when the 0 % interest benefit was applied to my account, including any delays or actions taken by Aidvantage or FSA.

6. Account Records : Copies of all relevant communications or records from Federal Student Aid that directed the implementation of interest accrual on my account. 

It is my understanding that, as a borrower, I have the right to transparent documentation and explanations for any charges applied to my account. Without proof or further clarity, the interest charged during the stated forbearance period remains questionable. 

Please note that I expect a detailed and thorough response, along with all supporting documentation, within 15 business days. Should you fail to provide sufficient evidence, I will consider pursuing additional avenues, including legal action, to ensure compliance with federal student loan regulations and borrower rights. 

Thank you for your prompt attention to this matter. 

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

To Whom It May Concern, While checking my most recent XXXX credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 


XXXX DID REMOVE ALL UNAUTHORIZED INQUIRES AND XXXX NEED TO REMOVE SAME UNAUTHORIZED INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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

I asked XXXX  and Transunion on to conduct a investigation per section 605b of the FCRA. I sent them a copy of a FTC AFFIDAVIT NOTARIZED AFFIDAVIT AS WELL AS A FTC IDENTITY THEFT REPORT. 
I sent all request certified mail ON XX/XX/XXXX OF 2020 or with delivery tracking. They refused my blocking request of the information because they cant meet the time guidelines set forth by the FCRA. XXXX  said no on XXXX by letter to the blocking request with no reason why? But said they would do a regular investigation which simply gives them more time then what is set forth by the FCRA FOR SECTION 605B. Not giving a legitimate honest reason why is a violation of my rights by law. Transunion on XXXX sent a letter and said no that they had investigated in one day and had clearly not investigated anything and offered to do a regular investigation into the identity theft. I WILL SUE ALL OF THEM IF THEY DO NOT GET THIS CORRECTED. THIS IS CAUSING ME FINANCIAL DAMAGE.
Product: Checking or savings account

I made a deposit to my Bank of America checking account after being assured by the teller inside that the funds would be available immediately next day. Then I get a pringlt out stating the funds are on hold until the XXXX. I call and they tell me the funds will release on the XXXX by 9XXXX. Funds were still not released on the XXXX. I call again and they now tell me the funds are on hold until the XXXX. 

The check deposited was a pre printed payroll check that will withdraw funds from another Bank of America account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax credit information hack.It is not acceptable whatsoever to have me PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I would like to report about Identity theft. The point is that someone decided to use my personal info and as a result I got filed items that I do not know and recognize. Could you please explain to me how that possible? and could you please remove them asap? The report is attached
Product: Credit reporting or other personal consumer reports

I request copy of signature everything from these illegal accounts! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX 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 This bankruptcy is past the statue of limitations and needs to be removed asap!! according to FCRA USC! 5 1681li ( a ) XX/XX/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
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) 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 of 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 file 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. Please remove the following item ( s ) from my report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to contact XXXX, XXXX, and Experian regarding a XXXX account that appears on my credit report. As far as I understand, the law mandates that credit reporting agenies must ensure the maximum possible accuracy when reporting information. I have informed them that I do not recognize this account as it is currently presented. What's more, the account number differs across all three credit bureaus. While XXXX and Experian indicate that the account is in collections, XXXX states that it is 120 days late. Additionally, XXXX reports the last payment as XX/XX/XXXX, whereas Experian and XXXX state it was in XX/XX/XXXX. I am concerned that this account may have been improperly re-aged. The accumulation of these discrepancies and my numerous attempts to reach out to the credit reporting agencies to verify, rectify, or delete this account from my credit report is deeply troubling. 

As a consumer, we have the right to dispute information that we do not recognize as well as the credit reporting agencies have the obligation to thoroughly investigate a dispute and update, correct, or remove the information.
Product: Credit reporting or other personal consumer reports

This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX  issued a collection action with transworld systems inc XXXX XXXX XXXX - against me - for a disputed bill that my wife incurred under my social security number while we were separated before our divorce the first delinquent payment date missed by my wife was XX/XX/2011 - after i moved to XXXX then back to XXXX  - XXXX obtained my current address and sicked the collection agency on ME - i paid the entire disputed amount of XXXX   dollars as part of our divorce agreement - however - after numerous contacts with XXXX - ( disputing the account as the first the first delinquent date is greater than 7 years and this paid in full ) the account needs to be removed from my credit reports as per regulation by the fair credit reporting act - XXXX needs to remove this account from my report - in addition - XXXX  does not report this account as paid in full CLOSED and it is counted as one of my 3 open negative remarks in my report causing me financial hardship because as a result of my divorce - my wife gets 25 % of my income so i have to move to XXXX  and purchase a mobile home - the only thing i can afford - because of this false information on my report - i am being denied a mobile home mortgage
Product: Credit reporting

: Hello, The other day I was checking my report on Experian, it came to my attention there are XXXX different address on the report ( under my social number security number ) and another XXXX listed but it said I might also go by the name XXXX XXXX XXXX. I have never used that initial in my name my name is XXXX XXXX XXXX. 
There are XXXX very incorrect address in, NY I have only lived in lived in XXXX NY and another address for XXXX XXXX XXXX I never lived in either. None of my correct address are even listed. 
what do I need to do to change this and add all of my correct address?
Product: Credit reporting or other personal consumer reports

This afternoon, I was shocked to find incorrect accounts on my credit report, and I cant understand why. When I checked my report, as I do regularly, there were suddenly unexplained discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the errors stayed. Given this issue, I request a thorough review of the documents I've submitted, so I wont have to worry about this happening again.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous times.

I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts on m credit report. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  {$650.00} Credit collection servic {$370.00} Credit collection servic {$260.00} These are all collection accounts across my credit report that I am not responsible for! Ive never had a contract nor agreements Ive filed identity theft reports and yet XXXX, experian and XXXX are still violating my rights to privacy and have accounts showing on my report that Im not responsible for!
Product: Student loan

On XX/XX/XXXX, I logged in to my Navient account to check on my Federal student loans. I noticed that Navient capitalized an interest amount of {$4200.00} on XX/XX/XXXX. This came without any notice. My loans have been in an in-school deferment status sinceXX/XX/XXXX,  and I am under the impression that interest on unsubsidized loans continues to accrue through deferment, but does not capitalize until the end of the deferment period. In my case, this is XX/XX/XXXX. I called Navient today to inquire about this  issue, and I was told by the customer service representative that it was due to a status change. I do not have a status change, because I am still a XXXX XXXX. I then asked if the interest is capitalized quarterly, knowing already that the answer is no. If interest were capitalized quarterly, then I should have had interest capitalize at the end of XXXX, XXXX, and XXXX. The answer I received was " ummm, yes ''. This does not make me feel very confident. This just adds to the list of the once a quarter phone calls I have to make to Navient due to something confusing they have done. The sad thing is, I 'm a XXXX XXXX in XXXX XXXX, and I still have trouble understanding what this company does. I feel bad for the tens of thousands of students and parents who do not have the specific education I have. I have attached the quarterly interest statements I have been receiving from Navient with their notes on interest capitalization.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being ran as a charge off. I have never received the 1099 cancelation of debt form and because of this the account isnt accurate and must be removed immediately
Product: Debt collection

There are accounts on my latest credit report that I did not authorize, and I consider them to be incorrect. I request their immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 i sent a letter to XXXX  XXXX requesting them to verify my signature on the item that they say i owe $ XXXX haven't heard anything regarding this item that is damaging my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Started to look at my credit Report to make sure my credit was in good standing and noticed multiple unauthorized inquiries on my report and confused on startled on how many were being reported. I was not aware of any of the inquiries being reported. The fraudulent Inquiries are listed : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Camp ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple letters to Experian requesting validation of the accounts in question ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). Both notices were mailed certified and were received ( XX/XX/XXXX and XX/XX/XXXX ) I have received zero documentation from Experian providing the proper validation of the debt.