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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . Or a list of inquiries : 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: Checking or savings account

On XX/XX/23, Credit Karma XXXX Account erroneously withdrew {$110.00} from my account. The morning of XX/XX/23, they had a system error which posted outdated balances ; the balances posted were from XX/XX/23. When they came back through to rebalance the accounts, they overcharged me for a payment to XXXX XXXX XXXX in the amount of {$110.00}. I reached out to their customer service via chat, and they advised that my only recourse was to file a dispute. A dispute is not the correct course of action for a charge that did not originate with the vendor. I requested they reverse the overcharge on their end, to which they offered no recourse. I do not have overdraft protection on my account, so the charge should never have gone through. Now, they are not answering chat or phone for further assistance, and I am left without my funds. This is an egregious breach of trust, and all I want is my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to complaint file XXXX for Experian, I have asked for inquiries to be removed from my credit report that I have not authorized. The law states that the credit bureas have to show proof that these are in fact my inquries that I have inquired about. So I am asking CFPB to help me with getting proof that I have gave authorization to have these inquries just like I have asked Experian and Still have not gotten any proof.
Product: Student loan

Left XXXX XXXX after a semester once known that none of it would be credited, and school closed down shortly after. Never gained any credits or anything from that school, Naviant denies loan forgiveness even though itt tech was sued for fraud and discredited by Department of Education. Not only that Naviant is now being sued for fraud in the same timeline this it happened. They did not help or give much choices, just you can postpone until you pay the amount. Both insitutions were conducting fraudulent activities preying on low income.
Product: Debt collection

I had a credit card opened in XXXX with XXXX, XXXX after I was married to my husband in XXXX. Even though it was in my name, we both used the card for both of our use, which included purposes for the home we bought in XXXX. However, since the credit reached a substantial high of {$6500.00}. along with other credit cards we had that we made home improvements on, we decided to refinance on a 2nd mortgage in XXXX with XXXX Mortgage eliminating these debts. Unfortunately, XXXX child later, and in XXXX, we divorced and I 'm left in a strict foreclosure after losing my job due to the economy crisis in XXXX and working XXXX jobs to meet the mortgage and during XXXX job I took a fall which left me on worker 's compensation since XXXX, still fighting for XXXX. However, let me be brief ... XXXX, XXXX apparently sold off debt to XXXX XXXX , XXXX in XXXX, that 's 13 years later. I 've never had it on my credit report since then. Like I said, I refinanced the debt in XXXX. When I received the letter from XXXX XXXX , XXXX XXXX XXXX ( which by the way is over the statute of limitations in CT ). I immediately advised them that this credit was refinanced in XXXX and she said ok I 'll take care of it. There must have been an error. I was never notified any time after that, but I was taken to small claims court in XXXX XXXX where there was a judgement against me yet no papers were ever sent to me for {$5000.00} judgement 2 months later. Then they sold the debt off to another credit agency called Resolute Credit who is now again taking me back to court and threatening me when they know that they can not go into my funds because I am on worker 's compensation and I was receiving child support which just ended and my son is living with me until he goes to College in XXXX. However, this man legally threatened to go after my checking account again for the same amount knowing I just turned into the court via fax An Exempt for Execution which I should n't have had to do in the first place because the Bank ( XXXX XXXX Bank ) should have been able to protect my money with my Divorce Decree on File as well as my Worker 's Compensation Check. They should have marked my account as Protected!! And they did not do their job. So yes, I believe this should be made public for others to see. So it does n't happen to them. And their should be laws put against these Credit Card/Collection Agencies that do this because now I have this on my credit report which ruins my credit report while I now need to look for a place to live and when they need to check my credit score, it brought it down traumatically. And they should be held liable for this damage.
Product: Debt collection

ALLEDGE : Extortion ( CA Penal Code 518 ) False Transaction Entries ( 18 USC 1005 ) False Claims ( 18 USC 152, 1-4 ). 

XXXX XXXX, XXXX, co-defendant with XXXX XXXX XXXX XXXX ( XXXX. ID XXXX ), XXXX XXXX ( XXXX. XXXX ) & XXXX XXXX ( XXXX. XXXX plus XXXX XXXX ) all scheduled for filing in U.S. Dist. Court subject REAL ESTATE FRAUD. 

On the XX/XX/XXXX, I was directed by the Assessor Recorder County Clerk, XXXX XXXX to seek and report Real Estate Fraud with the District Attorney 's Office for what appears to be a fraudulent filing of Default-Notice of Sale with intent to Foreclose, ( Docket No. XXXX, XX/XX/XXXX, XXXX, XXXX XXXX County Records . 

XXXX XXXX and these defendants, have placed them-selfs above the findings and rulings of XXXX XXXX XXXX XXXX XXXX XXXX ( Case No. XXXX XXXX ) that the defendants ALL have never had legal standing or decision making with regards to our home or property.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX. My caregiver for the past XXXX  months stole my identity and made purchases that I did not authorize at all. I did a police report and yet all XXXX credit bureaus are reporting this information as mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX  I have sent letters letting XXXX XXXX and XXXX  about these unauthorized inquiries on my credit report. Also I have filed an affidavit.XXXX sent me something back with saying verified as accurate with no proof at all.I am keep requesting that they send me something back saying who did this to my credit report so I can figure out this fraud. XXXX XXXX doesn't send me anything as requested.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I started receiving text messages stating that my account was due for amount of from XXXX XXXX. I called the XXXX inquiry about the message and provided my mail address and phone number. The repersentive of XXXX stated that XXXX was no longer in business and that the company sent all account connections with XXXX XXXX  to them and that I had a balance of {$130.00} due on the account. I mention to the representative that I had already paid out the balance on the account in stores did not have any remaining balance left over and ask that the representative prove information of the remaining balance. I confirmed my mailing address as well as email and the representative stated that they would provide the information months past no mail of phone calls only text message stating a balance due. I contact the company again requesting the information as well as dispute with Experian. No documents were provide and received I submitted another dispute with experinan XX/XX/XXXX awaiting response as well as contact the company requesting the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPTEDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPTEDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF EDXXXX XXXX DEPTEDXXXX XXXXXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DEPTEDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPT OF EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DEPT OF EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX SOC SEC ADMIN OFFICE XXXX  XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a secured credit card through First Progress ( Synovus Bank ) First Progress Credit Card. In XXXX of this year I signed up for credit monitoring services through my credit card and the services were provided by XXXX. I created an account and paid for my first months service of {$8.00}. Approximately, 2 months later I was given a chance to upgrade my services and I took that offer increasing my monitoring fee to {$14.00} a month. In XXXX I was billed on my credit card the normal {$8.00} on top of the {$14.00}. I went online to try to inquire about why I was being charged for the two charges when I agreed to the upgrade of {$14.00}. 
When I tried to cancel the {$8.00} services and only keep the {$14.00} services no where was there a place to unsubscribe or cancel. I was not even allowed to remove my method of payment to the {$8.00} services. I called 8 times to XXXX  and they said the Credit Card company must cancel it. So I called the credit card company and they said they had NEVER offered me such services but I was being billed by XXXX  and they had to unsubscribe me. I have audio recordings of every phone call placed to both XXXX  and First Progress. I finally use a phone number found on a older credit card statement and got a representative from XXXX  who stated she had removed the {$8.00} charges and canceled those services.And I would only be billed for {$14.00} because of my recent upgrade. When I hung up ALL of my credit monitoring services were canceled! I had to sign back up and now I have a {$19.00} charge for credit monitoring through XXXX. I would like to completely cancel anything to do with XXXX  and get a refund for {$43.00}. I have lost faith and all respect for both XXXX  and First Progress credit card. I am trying to rebuild credit and only have a {$200.00} credit limit. Secured by the way. If I cancel the card my credit will be damaged because it is my oldest credit card. I may or may not receive my security deposit of {$200.00} if I cancel without their permission. I do fear I will be punished punitively and with great prejudice to my credit report. So all my hard work and diligence to honor my credit responsibilities in a manner to which was agreed up by the bank and myself will damage my score and report because I am bringing this injustice to light for others to see and learn from my choices and mistakes.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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: Checking or savings account

Have an account with Truist, wanted to close it because they flagged a fraud check I received via mail and they refuse to give my direct deposited job check from my checking account which is a separated account.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY BIRTH DATE IS REPORTED WRONG And the 2 previous addresses should not be listed I never lived there
Product: Debt collection

Comenity banks mobile web site does not provide due dates for the end of the promotional period, when I purchased in store they told me that the promotional period would end 12 months after delivery of the products. Delivery was on XX/XX/XXXX, purchase was on XX/XX/XXXX I paid my bill in full on XX/XX/XXXX with a payment date of XX/XX/XXXX which was the due date posted online when I logged in. The reason I paid in full was because I received an email from them saying that the promotional period was ending soon, it did not provide any dates or detailed information. so when I logged on the web site I just used the payment date which was published of XX/XX/XXXX had I known of course I would have paid sooner They charged me {$1800.00} of accrued interest for this This is extremely unethical and they should be penalized as I am sure they do this to many customers
Product: Debt collection

I have disputed this account numerous times be the debt does not belong to me. They were deleted off of   XXXX   and now today  XXXX   XXXX  they have reappeared again on my  XXXX  credit report. They are no longer on my  XXXX  report and I need them removed from  XXXX  and  XXXX  and they are sliming my chances for credit and future home buying! They debt from   XXXX   XXXX   was sold to Ad  Astra Recovery Services  and I do not have a contract with Ad  Astra Recovery Services so  No Contract means no debt is owed to them. Because I have been through this multiple time I would like for Ad  Astra Recovery Services to provide me a contract with my signature stating I owe them ( Ad Astra   Recovery Services )  within 30 days of this complaint and if they can not furnish that I NEED them to close the account and report to   XXXX   and  XXXX  as closed and have them remove it from my credit reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from XXXX yesterday credit file dated XX/XX/XXXX confirmation # XXXX a three party consumer reporting entity : Lexis Nexis Consumer Center XXXX. XXXX, XXXX, GA XXXX is reporting incorrect information on my credit file : Bankruptcy filed XX/XX/XXXX and XX/XX/XXXX needs to be deleted from my credit report immediately. 

This is interring with my able to secure safe and affordability housing. Although this is the second request, it still appears to be on my credit report. 

Enclosed is a copy of a page from the incorrect credit report, letter from the XXXX Bankruptcy Court, and a letter I wrote to Lexis Nexis.
Product: Credit reporting, credit repair services, or other personal consumer reports

To resolve the issue but I was on successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

All I am asking in accordance with the fair credit reporting act I am pleading with Experian to investigate said claim : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX Please call as you will find I never applied for credit at this company nor did they request a copy of my credit report. Nor do they have record of my ever applying for anything
Product: Debt collection

The company Roquemore & Roquemore AT XXXX XXXX XXXX is repeatedly contacting myself, my daughter and my spouses ' parents for a debt that is NOT ours! They are trying to get a hold of my spouse about this loan but it is solely IN HIS NAME. IT IS NOT MY DEBT, THEY ARE JUST TRYING TO LOCATE HIM BUT HARASSING US REPEATEDLY. 

This debt does NOT have our names on it!!! They are repeatedly calling me AT WORK for weeks and PURPOSELY DIALING ALL OF THE EXTENSIONS OF MY CO-WORKERS AND BOSS!!!! 

This is NOT MY DEBT. It is NOT IN MY NAME. WHY ARE THEY HARRASSING US!!!! 

I actually thought it was a huge scam at first because of how often they called me. I do not know any of the details of this LOAN, it is not my business, I am not on the loan, I was not included as a reference .... neither was my daughter who is 19!!! They are just trying to get someone to talk to BUT IT IS NOT MY BUSINESS.
Product: Credit card

ThiXXXX XXXX XXXX XXXX XXXX XXXXXXXX currently advertises " Special financing on XXXX Tickets of {$250.00} or more ''. Please see the attached " XXXX XXXX XXXX '' screenshot. 

However, this benefit no longer appears to exist in practice, which would seem to then be false advertising. 

I purchased my XXXX XXXX XXXX season tickets from the XXXX XXXXXXXX ticket office for {$4400.00} on XX/XX/XXXX. And, as background, I got this credit card specifically for my XXXX season ticket purchases. 

Similar to my prior purchase of season tickets, this purchase should have incurred no interest charges for six months. Please see the attached statement from XX/XX/XXXX with the applicable six month language from my prior year purchase of season tickets on Page 1 of the PDF. And, the then accrued interest amount for that season ticket purchase on Page 3 of the PDF.

As the attached transaction history file shows, they incorrectly charged interest on this card on XX/XX/XXXX and XX/XX/XXXX. Before the second interest charge had posted, I wrote, several times, to ask them to fix this. However, they merely reversed the charge ; they did not put the purchase on the correct, special financing category. 

The payment on XX/XX/XXXX was for the prior year 's season tickets. As you will notice, no interest was charged since I paid it off completely within 6 months as also reflected in the credit card statement.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I was informed my account was closed and dont 180 days I would be allowed to withdraw my funds. Now we have arrived at 180 days and they will not let me have my money
Product: Credit card

In XXXX of XXXX I called Truist to file a fraud claim on XXXX charges. The credit card had a XXXX balance prior and I contacted them before any bill was due. I was given provisional credit for both charges that were also reversed the same day. I was then charged interest and a late fees and talked to multiple employees that stated I would not be responsible for any charges incurred during the fraud dispute process and it would be resolved in XXXX statement cycles. Starting in XXXX, I started receiving daily collection calls from Truist and I kept telling them I have an open fraud case. I was repeatedly told I was not responsible for the charges but I now have it XXXX my credit report as Delinquent and it is affecting my credit. I have been asked multiple times to speak to supervisors for answers only to be placed on hold for XXXX minutes which I can not do during my work hours and the fraud department is only open during my same work hours. I have asked multiple times to be contacted by a supervisor and was told I would recieve a call within XXXX hours and have yet to be contacted. I have had to call to try to get resolution with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 10 occasions I have contacted Transunion about fraudulent credentials inclusive of inquiries. I have disputed inaccurate information, 3rd party system reports and they are violating my rights.
Product: Debt collection

When you go to midland credit management website they still have listed that I owe XXXX on this debt.when in reality as of this date XX/XX/2023, it is XXXXi have for the past XXXX months trying to get them to correct this on their site.i have contacted them XXXX  times about this but get the runaround.this is providing false information and needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a vehicle through TD Auto Finance in XXXX. I was on autopay for the entire 5 year loan. I have credit monitoring and noticed I had a 30 day late so I called the company. They explained that contractually I agreed to make the final payment not using autopay and that is why the last payment was not taken out. I asked them why they didnt send me a notice or give me a call as a reminder as I have paid on time the entire contract. The rep did not have an answer for this question. I asked him if he would remove the delinquency based on my situation and he agreed to do that and I made the final payment. 

This was back in XXXX or XXXX of XXXX and I checked a couple months later and it still was showing on my credit report. I called TD Auto and talked with a rep who said that the 30 day delinquency was valid b/c I contractually agreed to it. I went through the same story I did with the prior rep and she said that a request to remove the delinquency was never submitted and that I would need to do this through the formal dispute process. 

This is extremely frustrating given I paid a five year loan on time, through auto pay and had a TD representative confirm he would remove the delinquency.