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

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and delete for erroneous reporting in my file and is listed on my credit report. 

XXXX - XXXX XXXX XXXX
Product: Credit reporting 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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

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

The debt collector is trying to collect the wrong amount. I have sent many written requests about the debt. I have not received anything. I have started the process to take the debt collector to a small claims court. I have not received any written itemized ledger of the total that the debt collector is claiming. Please remove it from my credit until the debt collector can show proof of the debt amount owned. Please remove this account from all three credit bureaus until the debt is verified with an itemized statement.
Product: Credit reporting or other personal consumer reports

according to the fair credit reporting act 15 USC 1681 section 602 a states " there is a need to insure that consumer reporting agencies exercise their gave responsibility with fairness, impartiality, and a respect for the consumers rights to privacy. '' XXXX, XXXX, and transunion are consumer reporting agencies and XXXX XXXX the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 witch states " it is the policy of congress that each financial institution has affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 USC 1681e ( b ) 15 USC 1602 -1608
Product: Student loan

The school has shut down Lost Accreditation Denied the ability to transfer your credits. 
Mislead about salary expectations Not Transparent on the true cost of the program False Promises about job placement Assistance in the field of study
Product: Credit card

This is to confirm that a timely billing dispute was filed on XX/XX/2023 utilizing the Venmo Visa Credit card support number at XXXX. Specifically, this is for the merchant XXXX XXXX XXXX  in the amount of {$5200.00} dated XX/XX/2023. The purchase was an initial down payment for my other half XXXX XXXX concerning the merchant obtaining XXXXXXXX XXXX XXXX watches from the vendor. However ; 36 days after the initial posting of the charge, the merchant has not been able to provide a solid concrete date or very close estimate of when the merchandise will be acquired. Attached is email proof sent to the merchant on XX/XX/2023 at XXXX XXXX  and XXXX XXXX  requesting that the merchant cancel the order. Additionally, attached is the merchant return policy taken directly from the merchant website. In conclusion, no merchandise was ever shipped by the merchant, thus, no return policy is applicable. The only response received from the merchant is in the attached email dated XX/XX/2023 at XXXX XXXX  in which the merchant stated : " Hi XXXX, can I call you ''?
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I did not authorize any of these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are hard inquiries on my account that don't belong because I've never applied for a credit card with any of these businesses. There is currently an investigation going on in which my mother had taken loans on my credit and I believe she is the one still applying for credit cards. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX All Banks
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into 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 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: Checking or savings account

I've had an account with chime for a couple years with no problems. Recently someone hacked into my XXXX XXXX account and pretty much drained the rest of my tax return from my chime account. On XX/XX/2023. XXXX dollars in a series ' of adding cash from my chime account to my XXXX XXXX, than sending it to themselves. Multiple transactions from XXXX to XXXX. The last time they tried for another XXXX and it got declined.I 'm newly divorced, and lost everything in that divorce. I've been trying to rebuild my life. So if you can imagine, that money was very important. I noticed this hack about two hours after it occurred and immediately notified chimes dispute department. First I'm told that once the transactions are no longer pending, then I need to promptly notify them again that I still dispute the charges. When I ask when Ill see my money credited to my account. I was told by one employee up to 45 days and by another, XXXX, ,up to 90 days. So I research their website. They claim to be backed by XXXX XXXX XXXX liability policy. And my XXXX XXXX  was only linked to my chime XXXX card. So than I research XXXX XXXX  website and policy. I even call their customer service. The policy states that XXXX requires all issuers to credit your account within 5 days of notification. So I call chime multiple times, even speak to a supervisor. All I get is this run around talk and the same 45 to ,90 day XXXX and employees pretending like they give a XXXX. It's a XXXX  dollar company with insurance. And they are refusing to credit me the money stolen from my account in a timely manner going against their own policies and contracts. Meanwhile im stuck at home needing a car repaired and can't even buy groceries. If this were any other bank my money would've been back in my account in 24 hours or less. I have never been more disappointed, let down and disgusted by the greed of a company. Shame on them. Seems to me like some class action lawsuits are headed their way. As they deserve. How unintelligent to go against your own policies are rules. They deserve nothing less. As for myself, I'm already in contact with a consumer protection lawyer who works on contingency. Which will cost them much more in attorney fees
Product: Payday loan, title loan, or personal loan

To borrow {$320.00} I have to pay back {$2400.00} with {$97.00} dollars deducted from my bank account every two weeks. This is a predatory loan. The interest is 780 %. Thats XXXX a month I pay back when I only borrowed {$320.00}.
Product: Mortgage

On  XXXX   XXXX ,  XXXX , my wife and I closed on a property purchased, with a mortgage approved by  Citizens  Bank. Up to that date, there was a line item of " adjustments and other credits '' of {$2500.00} for numerous documents we received from the bank since last  XXXX . On  XXXX   XXXX , I noticed the {$2500.00} credit was removed, and I had to pay @ the closing the additional {$2500.00}. When I spoke to the representative that day who had worked with me since the application was submitted, he told me if I did n't pay the additional {$2500.00}, the loan could not be closed, and a new application would have to be submitted.     On numerous dates following  XXXX   XXXX , I submitted documentation to Citizens and they never provided a satisfactory explanation of why I would not receive the credit adjustment. I was told such things " We thought you provided the seller {$2500.00} as a down payment '', " there was no record of a deposit made of {$2500.00} prior to the closing ''.   The  Citizens  Bank mortgage representative knew there was never a deposit since we provided routinely all deposits made which were earmarked for the closing.     I faxed documents to Citizens Bank in  XXXX   XXXX , and again in  XXXX ,  XXXX  Finally, another Citizens representative, who told me to fax all documents for their review, left me a voice mail on  XXXX   XXXX ,  XXXX  in response to my fax on  XXXX   XXXX ,  XXXX  @ my office saying that she was referring my complaint to the office of the Chairman, and I 'd receive a response with in 3  business days. I never did receive such a response.     I am attaching documentation, sent previously to Citizens Bank which supports the costs and credits represented.
Product: Debt collection

The number XXXX called me ( screenshot of phone call details attached ) attempting to collect a debt, in which I do have, with XXXX that's being disputed. They claimed to be Maury Cobb , Attorney At Law , LLC. XXXX had already sent my debt to a different debt collector time ago, so I was confused. I told the lady on the phone that the debt is currently being disputed and not to contact me again. She ended up hanging up on me. So, I called back. I got a gentleman with a very deep voice and after asking him questions around how my debt got sent to them when it was in a disputed status, he adamantly was trying to get me to settle without regard to any of my inquiries. I told him no to settling because XXXX owes me money. I told him " You don't even know how much they owe me so how are you going to offer a settle amount without knowing this? '' He said " the amount is of no relevance. '' I cussed him out and hung up. Now, I am reading other peoples ' posts around the same thing on the XXXX  site. I'm glad I didn't fall for it, because I know roughly how much I owe XXXX and if they would have offered me a good deal I might have given out my info. 

You may see the other recent complaints on XXXX site regarding the same people here XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XX/XX/XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a breech of security early in the year and failed to notify the public. I now have my information on the dark web. I have had my XXXX card compromised even though I had the card on my person including my identity was stolen. They were able to obtain my address, cell phone, address, account number with the security code on my XXXX. I just recently had my email attacked and XXXX shut it down for an entire afternoon for suspicious activity. I am a XXXX and my cell and email are my business!
Product: Payday loan, title loan, or personal loan

The company debited my account one day before each agreed payment day, causing my account to overdraw. When I called them to correct the payment dates, the refused to work with me. The loan agreement was NOT available ( link was broken so i never got the agreement ) and when I finally demanded it and got it I saw that they were charging me 674.9825 % interest which amounts to a {$2300.00} loan fee with total payments of {$2800.00} on a {$500.00} loan. 

Iowa has a maximum loan term of 31 days and a max rate of 337 %. When I mentioned that to them, they told me that the laws don't apply to them. I have already paid the company {$890.00} and when i asked my payoff amount, they stated it was {$560.00}, more than the original loan. 

I send them a deauthorization notice and notified my bank. I'm also making complaints at the XXXX and the FTC and anywhere else I can think of. These thieves need to brought down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXX I have been trouble with Equifax updating my address. I have been able to address this issue with XXXX and XXXX and my address was updated no problem.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX are reporting a XXXX inaccurate and false information on my consumer report, and not In Accordance With ( IAW ) the FCRA. This information was not reported by the bankruptcy court. The XXXX  information is as follows : XXXX XXXX XXXX XXXX XXXX  {$0.00}, Discharged XXXX. XXXX, 2016, Reference Number XXXX, Date Filed XXXX. XXXX, 2016, Filed at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX I contacted XXXX XXXX XXXXXXXX XXXX was told the Court Never releases XXXX  information to the public, nor does it report to CRAs. I was personally told by the Court that the only way such information is obtained is through the Public Access to Court Electronic Records ( PACER.gov ), which is a free service and provides the public with access to court records. Consumer violations are : 15 U.S.C. 1681 ( 4 ) : Congressional Findings, and 15 U.S.C. 1681c ( a ) ( 5 ) Information excluded from consumer reports, and no CRA may include any other adverse item of information to anyone. I have the right to privacy and These CRAs are violating my right to privacy. I have never given these CRAs consent or permission to give my information to anyone, which is a violation of 15 U.S.C. 1681b - Permissible purposes. The bankruptcy information is as follows : XXXX XXXX XXXX : XXXX, {$0.00}, Discharged XXXX. XXXX, 2016, Reference Number XXXX, Date Filed XXXX. XXXX, 2016, Filed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Delete this information now.
Product: Credit card

On this day XX/XX/year>, I representing agent, had a conversation with XXXX XXXX from Truist Bank regarding the credit inquiry made on behalf of an LLC. During this discussion, XXXX XXXX openly expressed that Truist Bank would not remove the credit inquiry from my credit report despite my credit application being denied. Furthermore, it was revealed that a credit card ending in XXXX was issued that I never received without my knowledge or consent, constituting a violation of both U.S. law and common law principles protecting my personal and financial information. Truist Bank was formally notified of the unauthorized credit inquiry and the fraudulent credit card issued, demanding a response within seven ( 7 ) business days of the date received. Truist Bank has defaulted by failing to respond or resolve the matter in the given time frame, thus waiving its right to dispute the facts presented.
Product: Credit card or prepaid card

On XX/XX/2018 I did submit an application to open one ( 1 ) credit card account ( to get a discount on service ). 
The merchant told me that there was an issue with the computer/application process, and the application did not get transmitted. 
On XX/XX/2018 I received nine ( 9 ) XXXX  credit card in the mail. 
These Cards are issued by Citibank N.A. 
I am in the process trying to canceling all of them. 
I want to insure that my information is purged from Citibank 's system, that it does not " share '' my information that all the cards are closed, and that there are no other accounts open ( and will be no additional accounts opened ). 

Additionally I would like to know the reason that the multiple accounts were opened and by who.
Product: Credit reporting or other personal consumer reports

I am formally demanding that Account name : # XXXX Name : XXXX XXXX Account name : # XXXX Name : XXXX XXXX Account name : # XXXX : XXXX XXXX XXXX Account XXXX : # XXXX : XXXX XXXX XXXX immediately XXXX and XXXX all communication with me regarding the alleged debt. This demand includes the deletion of any negative information related to this debt from my XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( c ), a consumer has the right to request a debt XXXX XXXX further communication. Moreover, a consumer report is considered a " medium of communication '' as established in the case XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX Cir. 2008 ). In this case, the court confirmed that a credit report falls under the definition of a medium of communication. Therefore, the continued reporting of this debt on my XXXX XXXX violates my rights under the FDCPA. I expect immediate action to rectify this issue.
Product: Credit reporting or other personal consumer reports

Someone put an apartment in my name. Im a victim of identity theft its been happening for years, the creditor has a copy of the police report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX WAS SEND CHAPTER XXXX BANKRUPTCY INFO. AND NOW MUST CANCEL DEBT AND REMOVE ALL NEGATIVE CREDIT REPORTING TO XXXX CHEXSYSYTEMS, XXXX ETC.
Product: Credit card

Paid XXXX on XX/XX/24 it was deposited on XX/XX/24 Account ending XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has my XXXX reporting twice on my Equifax credit report.
Product: Mortgage

Per my conversation with loss mitigation representative this afternoon, please find pertinent documents attached to show a modification application was in review at time of loan transfer from XXXX via XXXX XXXX XXXX. The denial reason was listed as the loan being transferred - this is not a valid reason for modification denial. I am aware of the 37 day requirement prior to a sale date for modification review however this delay in decision due to the servicing transfer is not the fault of this borrower. Due to this fact I request the sale date be postponed long enough in order for a proper modification review to take place.
Product: Credit reporting or other personal consumer reports

I have tried to reach out to Lexis Nexus about the federal violations according to rule 9037 privacy federal law violation and also 605B FRCA these violations are hurting my credit they Refuse to abide by federal law I have include evidence from the court, and I have dispute with the XXXX XXXX XXXX and FTC. This violation must be fixed and hold accountable for.
Product: Student loan

Hello, I received a Smart Option Student Loan from Sallie Mae in XXXX of 2014 in the amount of {$5000.00} to supplement my living expenses while finishing XXXX XXXX. I am still in school until XXXX of this year. I filed for chapter XXXX bankruptcy last fall and was discharged in XXXX 2014. Sallie Mae started contacting me last week stating that this loan ( unlike my others through the Federal government ) is now due in full because it is ( 1 ) private and ( 2 ) ca n't be discharged and that the ( 3 ) contract for this loan is now null and void. Sallie Mae is now looking to receive payment in full on this loan within 12 months, and doing so would require payments of over $ XXXX/month.
Product: Credit reporting or other personal consumer reports

A TransUnion Rep advised me to fill out this report because of unauthorized fraudulent inquiries on my report. Please remove all these unauthorized inquiries from my report. 

Bank Name : XXXXXXXX XXXX  Date of Inquiry : XX/XX/year> Bank Name : XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/year> Bank of Bank : XXXX XXXX Date of Inquiry : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX account # XXXX on my credit report. This account has been placed into collections without my consent, which is a clear breach of my privacy. Additionally, the reporting across the XXXX major credit bureaus is inconsistent and contains inaccuracies : XXXX : Last active date is listed as XXXX. 
Equifax : Last active date is listed as XXXX. 
XXXX : Last active date is listed as XXXX. 

Despite these dates, the account shows no late payment status on any of my files, yet it has been incorrectly sent to collections. This situation is not only confusing but also potentially damaging to my credit profile. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, credit reporting agencies are required to maintain accurate information on consumers. The discrepancies in the reporting dates and the fact that the account was sent to collections without any late payments constitute violations of this statute. Additionally, 15 U.S.C. 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. These inconsistencies violate this provision. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The placement of this account into collections without my consent is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of a debt. Furthermore, the unauthorized collection status violates 15 U.S.C. 1692f, which forbids unfair or unconscionable means to collect or attempt to collect any debt.

Request for Immediate Action : Given these violations, I am requesting the immediate removal of the XXXX XXXX account # XXXX from my credit report with all three credit bureaus. Additionally, I ask that you provide me with an updated copy of my credit report that reflects these corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have documents showing that this company reported me owning them 1 million dollars for an auto loan for years. I want this off of my credit report. This company has tried there best to ruin my life by continuing to update a repossesion that is being reported inaccurate on my credit report. At this point I have called XXXX, Equifax and XXXX but they have done nothing but take the creditors side.
Product: Debt collection

In accordance with the XXXX XXXX XXXX and XXXX Account has violated my rights. 

15 U.S.C. 1681 section 602 A States I have a right of privacy 15 U.S.C. 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A Creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT!!! 

In accordance with the Fair CreditC Reporting Act XXXX XXXX XXXX XXXX Commonwealth Financial has violated my rights. 

15 U.S.C 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 written instructions