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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

And according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

I had my credit card number stolen and someone set up an XXXX account and used the card to make several small purchases. XXXX recognized these charges as fraudulent and did not charge my credit card account ; however, the charges appeared on my Barclay card account. XXXX said they would credit the charges, but they couldn't because they were, in fact, never charged to my account. So, Barclay seems to be committing fraud. They charged me for something they were not charged for. When I contacted Barclay about this, they explained that although XXXX may have contacted them about fraud, they could do NOTHING without talking to me directly. To me, this was very troubling ; I know credit card companies like XXXX XXXX XXXX cancel cards any time they have a suspicion of fraud WITHOUT contacting the cardholder. The agent at Barclay kept telling me it was my responsibility to contact them. When I said, " I want to know how you can charge me for something you were not charged for? ", the agent would turn the matter around on me and say they could do nothing without my permission. In my opinion, it is quite possible they are collecting these fraudulent charges, which they have not been charged for, from many of their cardholders. These small sums can easily be overlooked and add up to XXXX  of dollars of FRAUD.
Product: Credit reporting or other personal consumer reports

XXXX XXXX shows on my credit report as me being over 90 days late on my bill. However i do not owe them anything. I have a store card but it has a {$0.00} balance. I called the company. They verified that i do not owe them anything. When asked how to get the incorrect information removed from my credit report. They said it was my job to do it.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX CO XX/XX/2022 XXXX DC XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022
Product: Credit card or prepaid card

Date : XX/XX/XXXX amount : {$60.00} Date : XX/XX/XXXX Amount : {$76.00} Called the company on XX/XX/XXXX, to discuss credit card bills that I did not open. There were two different credit cards with the same company. Company told me to report it to www.identitytheft.gov. I was told not to pay anything. I am worried that someone out there has my information to open credit cards and destroy my credit.
Product: Credit reporting or other personal consumer reports

This one credit card company has flagged me as 30 days past late for the last 3 months, but each month ive made my payment well before 30 days. Ive disputed this with the credit bureaus, even attached the 3 months in question statements which don't show a past due amount and show my payments being made before its due date ( the XXXX of each month. They have yet to correct/remove those lates. For XXXX I made my payment on XX/XX/XXXX, but still logged in on the original due date ( XX/XX/XXXX ), and it read NO PAYMENT DUE, so how is it I have a late for XXXX of {$120.00}. if you look at my statements there's no past due amount listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted a fraud identity report from the police department as well as a FTC Idenity theft report I also uploaded documents via CFPB portal to all 3 credit bureaus advising that these 3 medical accounts are not mine I submitted my health insurance card and also my XXXX visa card with over XXXX for medical expense I have been insured for over 6 years with the same health provider. these are not my medical accounts and I want these items removed ASAP if you r bureau has already removed please disregard. please review recent documents submitted by the CFPB in refrence to these accounts XXXX XXXX XXXX Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting a request for an investigation via postmail, I received a letter stating that they could not verify my information although identification documents and proof of address was provided. This is a clear attempt to stall my investigation request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed collection accounts multiple times from all three credit reporting agencies to include XXXX, Equidax, & XXXX. I have completed disputes as of XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and today. I have also called and have been unable to speak to a representative over the phone. XXXX  has removed the incorrect reporting of collection agencies on my credit report ; however, Equifax and XXXX  has not. I have not been provided with a copy of any contracts or payment terms, agreement, and history with my signatures from any of these companies to include XXXX XXXX XXXX ( {$3300.00} ), XXXX XXXX XXXX ( {$650.00} ), XXXX XXXX XXXX, XXXX. XXXX XXXX ( {$300.00} ), XXXX XXXX XXXX, and XXXX  ( {$1700.00} ).
Product: Credit card

On XX/XX/2024, I opened a new " SKYPASS Visa XXXX XXXX XXXX '' to earn an opening bonus of XXXX XXXX XXXX miles after spending {$5000.00}. By XXXX, I had spent over {$5000.00} and confirmed with an agent on XX/XX/XXXX that I had met the requirements for the bonus. 

However, as of XX/XX/XXXX, I still hadn't received the XXXX miles. When I called US Bank, the agent informed me that in XXXX, a new term was added : " Existing or previous SKYPASS Visa Signature XXXX  cardmembers are not eligible if you have received a new account bonus for this product in the last XXXX years. '' As a result, I was told I am not eligible for the bonus. 

This new term was introduced after I opened the card, and US Bank did not notify me of the policy change, leaving me unaware of it. I had already spent over {$5000.00} based on the original terms. 

This situation is unfair since the terms were changed after I opened the credit card, and I was not informed of this change. 

For reference, you can check the term changes at the following link XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chime reversed a provisional credit twice. I've called and spoke to multiple agents since XX/XX/XXXX. On XX/XX/XXXX, I was given provisional credit from a dispute. That's part XXXX of this. Then, only XX/XX/XXXX it was denied so my provisional credit was reversed. Fair enough. But THEN on XX/XX/XXXX they took that same amount out from the provisional credit again. When I called, they apologized for their error, and each time say they'll send it to a resolutions team ( who resolves literally nothing ). I was told, each time, I'd receive an email from thay team within XXXX hours and the error would he fixed. it has yet to happen... I'm tired of calling them because they constantly disconnect when transferring and repeat robotic nothings. 

Part XXXX, the dispute in reference was handled like absolute XXXX. I had to call and get my provisional credit on XXXX  day XXXX, when it's due on business day XXXX, not XXXX ... and the credit wasn't even the right amount. 

I'm so stumped at the utter incompetence and lack of checks and balances here. I'm at a loss trying to find help in getting my money back.
Product: Debt collection

Debt collector said they mailed a XXXX  to me regarding money owed for XXXX  services that was paid by my XXXX. I never received a letter. If I had, I would have definitely disputed it. They have only stated the date the letter was mailed, but have not shown any proof of such a letter. 

They are asking for an amount that is incorrect. The amount should be XXXX. They lowered the amount to XXXX to keep it out of court proceedings on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/CBNA, XXXX XXXX XXXX, XXXX XXXX SD XXXX did an Hard Inquiry on XXXX XXXX. 2017. on my credit report. This hard inquiry occurred without my permission!
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX  XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$610.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX 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 XXXXXXXX XXXX XXXX XXXX Account charged off. {$610.00} written off. {$520.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$520.00} Highest balance $ 618 Monthly payment - Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

15 U.S.C Section 602A. States I have the right to privacy. 15 U.S.C Section 604A. Section 2 : it also states 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. This ACCOUNTS ( XXXXXXXX XXXX ) ACCOUNT ( XXXX ), XXXXXXXX XXXX  ) ACCOUNT ( XXXX ) Has violated my rights
Product: Credit card

I received an email on XXXX XXXX XXXX  from AMEX, that I perceive as an attempt at extortion ( asking for money in return for avoiding an adverse action -credit limit reduction ). Please see following, relevant paragraph from email : What this means As a responsible lender, were always monitoring our Card Members accounts. Based on what we know about your payment history and current debt with American Express, as well as your credit scores and other credit bureau information, your account is being reviewed for a possible credit limit reduction. 

What you can do Make a payment towards your balance to maintain your current limit - we wont take the action stated above if you make a payment of {$950.00} within three days of receiving this email.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/2021 To whom it may concern at the Consumer Financial Protection Bureau : Today I received the attached collection letter from a collection agency by the name of, Sequium Asset Solutions , LLC. AKA XXXX XXXX XXXX. 

And I would like to file a complaint against both of the above named collection agencies, and I am disputing this debt through your agency, because I do not owe it, and I want XXXX, and this Sequium Asset Solutions , LLC, AKA XXXX XXXX XXXX, to cease and desist from harassing, and contacting me about this debt that I do not owe. 

I have had no dealings with XXXX XXXX for almost 2 years, and I do not owe this fraudulent collection that I am being charged with. 
I have previously disputed this fraudulent debt with XXXX XXXX, and yet they insist on slandering my credit with a debt that they know full well, that they have run up. 

XXXX XXXX has wrongfully and maliciously ran up this debt with fraudulent charges and fees that I do not owe to them, and they are passing this fraudulent information onto these shyster collection agencies to use harassment tactics to try and collect. 

XXXX XXXX places themselves onto consumers credit files with fraudulent status date information trying to make their fraudulent collections look as though these are debts that the consumer has recently had dealings with, as recently as 2021. 
And I want theirs, as well as this Sequium Asset Solutions, LLCs false information removed from all of my credit files. 

On consumers credit files XXXX  places themselves, and thieving XXXX XXXX will also be on the credit files as well, destroying consumers credit files with 2 false fraudulent collections for the same debt.

And if they use other collection names like this Sequium, they will also add them as well to the credit files, so the consumer is left battling to get off 3 collections that have been placed onto their credit files for the same false collection information. 

XXXX XXXX has no problem doctoring up statement information to make it look as though their information is accurate, and XXXX XXXX has no problem running with it. 

As previously stated, I am disputing the collection, and I want any and all derogatory information removed from all of my credit files. 

This Sequium Asset Solutions, LLC/ XXXX XXXX XXXX , and all of their other related affiliates, are claiming that they have the right to pass on any, and all of my private information, and I want to contest that. 

By Law, just because they are collection agencies shouldnt give them the right to invade my privacy, and pass on my private information on to whomever they feel like they want to, and I would like your assistance dealing with that. 

XXXX XXXX XXXX, and their affiliates have a way of handling their companies as though they are above the law, and they can do as they please, and as stated above, I should have rights, and I dont feel that they should have free reign with my private information.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 or reseller. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX credit card account. I called to close the account in XX/XX/XXXX. Without any notice to me, XXXX XXXX  XXXX charged an additional {$23.00} to the account and did not close the account. 

Because I had no notice, XXXX XXXX XXXX listed the account as unpaid and in XX/XX/XXXX reported it on my credit report. I attempted to resolve their error but was rebuffed.
Product: Vehicle loan or lease

I have an auto loan with Broadview, set up to autopay on the XXXX of each month, pulling from an external checking account. Broadview decided to perform an IT system integration over the weekend of XXXX XXXX, and in that process, something must have broken my auto loan autopayment - money was not transferred from my external account to my auto loan, but future transfers in the series remained. I happened to check my account and saw that the auto loan had not been paid yet by XX/XX/XXXX, so I manually transferred the money. but had I not checked, my monthly payment would've been overdue, and I have no doubt that broadview would have charged me a late fee, all because of an error on their end
Product: Checking or savings account

When I went on line to search for my XXXX-Int statements and noticed that my sons joint checking and savings accounts ( which I opened for him at birth in XXXX ) were no longer visible in my online view. I quickly called customer service and they informed me that the accounts were closed in XX/XX/XXXX due to a lack of activity and the money was sent to the state ( NC, I presume ). 

I am upset for several reasons. First, Navy Federal failed to contact me in spite of the fact that my contact info ( mailing address, email address, phone number, secure on line account with contact/messaging availability ) are part of my on line profile. Second, when I went to look for the money on the NC Dept of Treasury website, I was unable to find any record of the money. Third, I have now wasted several hours of my time trying to find money belonging to me that I entrusted to you. 

I am so upset that I immediately closed all remaining accounts with Navy Federal severing an 18 year relationship. 

While we are not talking about any significant dollar balances, I am nonetheless disappointed in the level of service from an institution I have spoken fondly of and recommended to others for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and noticed some inaccurate items on my report. Reached out to the bureaus regarding the matter with all the facts and they did absolutely nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose