23daVinci/CFPB_Complaints huggingface dataset:
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  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have filed XXXX CFPB complaints on XXXX already about this and have several emails as well going back and forth for XXXX months of me trying to get this fixed. I noticed that my husband 's accounts and score were showing up on MY credit report, and on MY XXXX account. We have a mortgage loan together, and our social security numbers have always been reported separately. We never had this issue, even when we were coborrowers on a loan. We bought a XXXX XXXX from XXXX XXXX in XXXXXX/XX/XXXXXX/XX/XXXX, and my husband was the main borrower, and I was the secondary borrower, but I pay the monthly bill. We are equal owners on the car ( just like our mortgage ). Since we got that car, XXXX has been putting my husband 's score/accounts on my report and XXXX account XXXX He even has a fraud alert that is tied to MY social security number. I can't apply for credit or installment loans because my identity can't be verified due to this issue. I have XXXX access to what my actual score is. I don't know what my credit report looks like. I got a notification the other day from credit karma saying all my accounts were removed and then re-added. I asked XXXX about this and as per usual- they stopped responding. XXXX XXXX swears they are reporting my social - to my name, and my husband 's social - to his name. But for some reason, this isnt getting fixed. Something is going on, and I have a right to an accurate credit report. This is NOT fair to do to someone. Especially to have it drag out for 6 months. Additionally, I called XXXX and asked that the fraud alert be removed, back in XXXX. It is now almost the end of XXXX and I'm still being told by creditors that there's a fraud alert on my account. Not only that, but it carried over to XXXX, from XXXX. XXXX, it says I have no active alerts, but I have lenders telling me when they run my credit, there is XXXX. Now i don't feel comfortable ever placing XXXX in case i cant get it removed. I dont care who is making the mistake, I just want it fixed.
Product: Credit reporting or other personal consumer reports

I have been trying for almost 2 years to access my Trans Union report with no results. I have been told I had to pay ( which I did ) after paying for the monthly subscription I was still unable to get any information. I have been told to wait on the escalation department to resolve it and to date nothing has happened. Its my right and responsibility to ensure my report is being reported correctly and they are stopping me. I have submitted everything they asked to verify my identity and still getting the same error.
Product: Credit card or prepaid card

American Express has been trying to collect a fraudulent debt for several years now for an account that was opened while I was a minor. I have since tried to dispute this account with them, however, they will not give me any information because I do not know the date of birth or social security number associated with this account. They had stopped sending me letters after I disputed the information with the credit bureaus. However, they sent me a new letter dated XX/XX/2018 stating that they transferred the account for collection. The problem is that this is not my account. It was fraudulently opened while I was a minor, and I can not access the account because I do not know the information used to open the account. The only information I have access to is what comes on the collection letters. this is the last five numbers of the account and balance due.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX XXXX XXXX XXXX ) Account number # XXXX, ( XXXX XXXX XXXX XXXX  ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX XXXX  XXXX ) Account number # XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report
Product: Credit reporting or other personal consumer reports

It shows a hard inquiry on my XXXX credit report with JPMCB - CARD SERVICES since XX/XX/ and I have never owed an account with them.
Product: Student loan

After Great Lakes was bought by Nelnet my law school loan was transferred. Nelnet offered a XXXX interest reduction for signing up with automatic debit. However, I have never received this benefit in the year that I have had automatic debit set up.
Product: Debt collection

Bank of America believe I owe them a fee and I dont. So does XXXX and XXXX XXXX as well as XXXX   XXXX.

Have my money give back to me as well as the debt wiped clean. I dont want to be associated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to SAGESTREAM due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. 

My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
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 THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX. 
XXXX XXXX 0 % Balance {$0.00} Balance updated XXXX XXXX, XXXX Credit limit {$100.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Pays account as agreed Status updated XXXX XXXX Past due amount - Highest balance XXXX XXXX Monthly payment {$0.00} Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments ACCOUNT CLOSED BY CREDIT GRANTOR Your statement - Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX 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. C ode 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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

My. computer has been hacked. This person has added themselves to my credit reports and credit cards : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I attend here back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this school was recently change name was XXXX at time I attend classes do not transfer debt owe XXXX XXXX XXXX XXXX this school misrepresent me leading to a false lie about degree These school are rip off
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XX/XX/2022 Dear Transunion, I, XXXX XXXX consumer and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 



Sincerely, XXXX XXXX
Product: Checking or savings account

On   XXXX   XXXX   XXXX     I telephoned  M & T B ank and requested that an ACH stop payment order be placed on any transactions from   XXXX    (   XXXX   ).  A week later I received a letter from  M & T  Bank notifying me that on   XXXX   XXXX   XXXX    , a stop payment order was issued by  M & T B ank for and ACH from  XXXX  (  XXXX   )  On   XXXX   XXXX   XXXX    , I checked my online web banking bank account register and noticed an ACH debit from  XXXX  for the amount of {$1100.00}.     I immediately telephoned   XXXX   XXXX   XXXX   XXXX   customer service and informed the person who answered my telephone call that  Crossroads Financial  had debited {$110000.00} from my checking account on   XXXX   XXXX   XXXX     and that I had an ACH stop payment order in effect since   XXXX   XXXX   XXXX     for  XXXX  ACH.     The customer service person whom I was speaking to then asked me to hold a few minutes while she could investigate my problem. A few minutes later, the  M & T Bank  customer service person came back on line and informed me that : '' a stop  ACH o rder goes into affec t 24 hours afte r the amount is debited from my bank account. '' Really?? That is a bunch of garbage, I have a stop ACH order against a company called  XXXX  and since that order went into affect on  X/X/2017   , no money from  XXXX  has ever been debited from my checking account.     This is just another example of the utterly inconceivable computer programming mess existing  at M & T Bank. The M & T Bank co mputer banking software is hopeless stuck  in the 1980s instead of being written for the 21st century. It is also a perfect example of M & T Bank customer service representatives  not knowing what they are talking about.
Product: Credit reporting or other personal consumer reports

All the inquiries with Navy FCU are incorrect. I do not have any active or attached accounts open with those inquiries. Dates starting from XXXX of XXXX.
Product: Credit card

I opened a Credit Card with Chase through XXXX to get XXXX bonus miles. The bold letters stated that I have to spend {$3000.00} in 3 months to get the bonus miles. My credit card statements billed me slightly over {$3000.00} ( I think it was {$3000.00} ) but Chase did n't credit me the bonus miles. 
When I called them they told me that the CC service fee does n't count as purchase and therefore I 'm below {$3000.00}. They state this fact is noted somewhere in the fine print. But this is a fairly critical fact and should be noted not in the fine print or a small foot note but up front with everything else. I feel cheated and deceived out of these bonus files.
Product: Credit card or prepaid card

I am a victim of identity theft. I been receiving death threats, threats of legal action of being sent to jail or prison, harassing, profane and abusive telephone calls from Discover Financial Services for a debt of {$14000.00} for a fraudulent Discover card account ending in XXXX thats not my debt or account. Its a fraudulent account and the debt is not my debt. I did not apply for a Discover credit card.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPDs findings info that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I use Wells Fargo bill pay system. I was notified on XX/XX/XXXX that they were sending {$270.00} to the XXXX XXXX paper. I made the error - the amount was to be send to another service. I called the bank and requested they stop payment and was told it was " in process ''. We complained that the funds weren't scheduled to be received until XX/XX/XXXX. Why couldn't they credit my account and stop payment. " Not possible. '' Called and emailed XXXX XXXX. They said I would need a three way conversation scheduled ( bank, paper, and myself ) in order to reverse the funds. I explained repeatedly that the bank isn't involved at this point. Just return the funds to me - they were paid inadvertently and need to refund me. They finally acknowledged the payment on XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received the payment/refund. Every email exchange states they are looking into it etc. Then on XX/XX/XXXX they said the funds were " in the mail. '' I am really frustrated with both of these businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020,
Product: Payday loan, title loan, or personal loan

Earlier today, XXXX/2017, I applied for a loan on-line with Big Picture Loans. When I was nearly finished applying, they quoted payment plans with APRs of at least 555 %. I did not select any repayment plans or loan amounts. I also called customer service at XXXX. I firmly said that I was disgusted with their usurious APRs and did not want a loan from them. Soon after, I received an email stating that I was being considered for a {$470.00} loan. I immediately replied that I refuse ANY offer, and that I have contacted the FTC and CFPB. I then received an email from Big Picture Loans Support, stating that they have cancelled the loan. These emails have been copied and pasted below.
Product: Money transfer, virtual currency, or money service

I did not apply for a debit card or any financial relationship with Chime. On XXXX I received a Chime Debit card with my name and a mailable form to link my payroll information. I contacted the phone number on the back of the debit card to report a fraudulently opened account. There is no representative available via the phone number listed and I was instructed to email XXXX. After multiple emails, I was informed they will not close the account or mark it fraud, ( representative name- XXXX ), unless I give them my government ID, my social security card, and a photo of me holding my ID. I will not do this as it sounds like a phishing scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : CREDIT REPORTING ERROR. Misreporting Military Star data reporting to XXXX and XXXX includes 1 ) dates of last activity on XXXX, 2 ) duplicate reporting on XXXX, and 3 ) balance on duplicate XXXX reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX account appearing again on my experian credit file after being removed correctly many times this account is not negative and should just be closedwithout any adverse reporting i have contacted XXXX  XXXX XXXX numerous times and they removed it from my other reports but experian keeps putting it bak on negative
Product: Credit reporting or other personal consumer reports

CFPB Complaint against Credit Reporting Agencies Experian : XXXX XXXX XXXX ( D/O/B ) XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XX/XX/XXXX account number ( 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 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 XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Included my mortgage loan in my Chapter XXXX BK and I walked away from the house eventually. According to the BK law, Carrington Mortgage should not be reporting notice of defaults to any database that will pull my credit for another mortgage loan. They are violating the BK laws and I want them to be held accountable as well as delete my name and social security number out of these databases, immediately!
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX - XXXX XXXX XXXXXX/XX/2022 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 don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Student loan

I have made several attempts to get my student loan written off and closed on all three of my credit reports as this is a debt consolidation loan with Fed Loans which was for my XXXX  and XXXX  XXXX! I started repayment of my XXXX XXXX in XXXX when I graduated then returned to college to finish my XXXX  and consolidated my loans with XXXX XXXX, then went to work for the XXXX XXXX IL and XXXX XXXX  took them over now Mohela has taken the same loan over from XXXX XXXX!! 

It is the governments job and responsibility as well as their services to update all accurately, to track all loans when consolidated accurately and to follow the laws and write off student loan debt that has been paid on for 20-25 years but is not yet paid off!!!!!!! I started into repayment in XXXX and this is XXXX so have been paying on mine XXXX yrs!!! I want these loans written off and all information showing correctly in ALL of my credit reports, also their responsibility and job!! I then want my documents mailed and emailed to me showing all has been done and my corrected credit reports mailed to me!!!! 

I have tried to correct with the Dept of EmploymenXXXX twice, The credit reporting agencies numerous times one is attached which shows they did NOT remove it as they claimed and I want it written off not removed it should show XXXX balance the law states student loan balances are to be written off after 20-25 yrs of payments, it has been XXXX yrs!!! I also have tried to fix with Mohela numerous times and no one has fixed it!!!