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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last SNN # XXXX American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Number : XXXX **Re : Dispute of Inaccurate and Unauthorized Reporting** Dear American Express, I am writing to dispute an inaccurate account that is being reported on my credit report. The account number is XXXX. I have never given written consent to report this account to my credit report. The account was closed in 2022, and the information being reported is incorrect and non-validated with late payments. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( 7 ) ( A ) and 12 C.F.R. 1006.34 ( d ), you are required to investigate disputed information and correct or delete inaccurate information from my credit report. I demand that you immediately remove this inaccurate account from my credit report. I also request the following : * A copy of the evidence you relied on to report the account * An explanation of why you believe the information is accurate. Please acknowledge receipt of this dispute letter within 30 days and provide an update on the status of my investigation. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The below creditor is reporting inaccurate information to my credit report. Falsifying that payments are late although they are taking the minimum monthly payment electronically from my checking account on the XXXX of every month. 

Creditor XXXX  XXXX XXXX account number # XXXX Please remove this account in accordance to my federally protected consumer rights under the FAIR CREDIT REPORTING ACT as this XXXX  is violating law 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.

I have filed multiple complaints. Every complaint comes back closed - Updated or verified but with no documentation of proof on what was updated or how this inaccurate information was verified. And according to the FCRA 15 USC 1681 everything has to be 100 % Accurate. Please provide proof of a true investigation or delete account.
Product: Checking or savings account

I was involved with a scam where a man, XXXX XXXX, somehow he gained access into my savings account where he took it upon himself to transfer {$16000.00} from my savings account to my checking account. I never willingly authorized him to transfer any of my money to any of my NFCU accounts. When I realized I had been involved in a scam I notified NFCU, after investigating my case, my funds were reinstated into my checking account. I waited for the " PENDING status to be removed ( thinking the money was " officially " reinstated to my checking account and then transferred the reinstated funds back to my savings account. 
In doing some online work a few weeks later, I realized NFCU had REMOVED EVERY BIT OF MONEY OUT OF MY CHECKING ACCOUNT without notifiying me that such action was going to take place, until AFTER THEY DID IT. I have bills on auto pay and of course they were rejected and I had to pay the ENTIRE quarter amount on those accounts because they were rejected due to insufficient funds. NFCU should have noted I had transferred the funds back to my savings account and removed the funds from that account, NOT leave me with XXXX dollars in my checking account ... not very professional. However more importantly they should have never reinstated my funds then just decide to take them back without warning or reason. 
I am a XXXX yr old female who XXXX XXXX and have been out of work for a year, due to the Covid-19 pandemic. I have significant XXXX issues as well as other medical issues and as of now a very limited income even with unemployment ..I feel like what NFCU did to me is just as criminal as what the criminal did! Reinstating my funds as they did, then just take it back without warning! It would appear to me a financial institution as wealthy and large as NFCU would not make decisions of this magnitude and then without notice decide to retract their decision without any explanation. I feel I deserve to have my money reinstated to my account based on their ORIGINAL decision.
Product: Credit reporting or other personal consumer reports

There was a fraud alert and some one has applied for credit card on my behalf to Capital One on XX/XX/year>. I have asked them to close it but there is a hard querry in my account due to these frauds.
Product: Credit reporting or other personal consumer reports

To whom it may concern I have these closed accounts with the following banks closed accounts. 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 Each credit company listed agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to XXXX, XXXX and experian or any other credit reporting agency.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Two of these companies have ran my credit several times without my permission, I hired someone to repair my credit last year and during that time frame I have several inquires that I do not recognize and the company I paid to repair my credit turned out to be a fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

All incorrect addresses and names should have been removed from my Credit Report. I called XXXX, Experian, and XXXX in XXXX of 2021, and nothing has happened. I mailed out letters to the above Credit bureaus, and nothing has happened.
Product: Student loan

After the grace period ended in late XXXX XXXX XXXX XXXX for my loans, with the exception of XXXX loan having its grace period ending in XXXX of XXXX, I was frequently placed on forbearance or deferment due to temporary hardship XXXX loss of unemployment. ) I was made aware of the accrued interest during these periods of forbearance or deferment, acknowledging the capitalization of interest that would occur at the end. My initial borrowed amount of less than {$36000.00} disbursed throughout XXXX separate loans is now well over {$75000.00} due to this process after more than 6 years of being placed on deferment or forbearance. 

However, I was never made aware, not even once, of an income-based repayment plan, nor was I offered such a plan by XXXX XXXX XXXX now Navient ). Due to the recent lawsuits against the corporation, I realized Navient would frequently offer deferment or forbearance options to their borrowers instead of offering a low-income-based repayment plan, which would have helped me immensely, keeping my outstanding principal near the borrowed amount, and I would have avoided accruing so much interest. It is clear that this option of forbearance was the least expensive XXXX for Navient in terms of time and processing ( their representatives were incentivized to keep call times low ) but it was the most expensive for me and to many other student borrowers as well. 

Right now they are going through several lawsuits pertaining to the same issues I experienced with Navient XXXX XXXX XXXX XXXX. So since late XXXX, I have been accruing interest on all my loans, having defaulted once but making satisfactory consecutive payments during rehabilitation, and now I am on an income-based repayment plan. 

I have hundreds of emails from XXXX from XXXX XXXX and Navient where the subject reads as " Reply YES to Postpone Your Federal Student Loan Payments '' and within the bodies of the emails the first option is always forbearance or deferment, with no mention of income-based repayment plans, and only brief mentions of " possible repayment options '' if I call the XXXX number. But again, after calling and speaking with the representatives, I was never made aware of such repayment options. 

When speaking with XXXX, another student loan servicer, the very first option they gave me was an income-based repayment plan, at the recommendation of their customer service representatives. They told me this would be best option for my situation. Again, I was never given this option once with XXXX XXXX, and I was almost shocked to discover there was such a thing as a low-income repayment plan. 

This complaint outlines the deceptive practices made by XXXX XXXX XXXX Navient on millions of student borrowers. I am XXXX of those borrowers, and due to this intentional withholding of information on behalf of the servicer XXXX XXXX / Navient, I do not believe I should be responsible for {$75000.00} in loans, when I only took out {$36000.00}, and was never made fully aware of all my available options and instead pushed towards deferment or forbearance.
Product: Credit card

I bought XXXX worth of items from a fender. Wing steering wheel, fender and bumper for my XXXXXXXX XXXX XXXX I have given them all the conversation with the party. He told me first he would send. Me the shipping money to send the stuff back he never did. Then I opened a dispute he then said if I close the dispute I can get the XXXX but I then found out the wing was poorly cheap and wanted XXXX no help nothing and then blocked me and wont do anything the bank showed me screenshots that he sent me addresses which Im aware but he never gave me a label as Im not paying for it. Then he later said if I close the dispute he will refund me. Venmo keeps siding with him knowing the agents I talk to read the conversation
Product: Credit reporting or other personal consumer reports

Equifax is making it next to impossible to unfreeze my credit. When you make an account online they force you to call them to make ANY changes. I called them to freeze my credit since I can not access my account online from any browser and they froze my credit 1 month ago. I called today ( XX/XX/year> ) so I can unfreeze my credit since their website is still unusable and now theyre saying they cant unfreeze my credit. I would have to mail my confidential documents to their address. If Im able to freeze my credit through the phone they should be able to unfreeze it as well.
Product: Debt collection

Medical provider was paid by my insurance provider XXXX XXXX, the medical provider double billed for services, had a call with the medical provider and XXXX claims rep and requested an investigation into the billing which medical provider didn't conduct the investigation and did not provide any investigation documentation. 
I just received letter from XXXX FINANCIAL SERVICES that I have a medical bill that is in collection and it has be placed on my credit rating. 
The medical provider XXXX XXXX  XXXX XXXX XXXX, date of service was XXXX XXXX paid {$6500.00} which included the XXXX XXXX to XXXX XXXX XXXX, XXXX I had a {$350.00} out of pocket which I paid in full, now I have a collection I would like to bring to your attention I have always maintained a good credit history and diligently have paid all my debts in a timely manner, Therefore I find it highly that I would have any outstanding balances unpaid unless there was a billing mistake.
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 NumberXXXX Account Name : XXXX XXXX  XXXX Account NumberXXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

As a Federally Protected Consumer asserting my rights, I have attempted to resolve this matter with the company in question ; XXXX XXXX XXXX. They simply responded by referring me to the collection agency that they sold/assigned the debt to and providing me with the copies of my original loan contract. Within that contract Ive found several violations where XXXX XXXX XXXX are criminally and civilly liable. My attachments provide proof of ALL violations under 15 USC 1601, 15 USC 1681, 15 USC 1692
Product: Credit card or prepaid card

Barclays Bank Delaware consistently reports to all three credit bureaus that I am late making payments ( photo attached ). 

The account was settled on XX/XX/2018. ( Photo attached ). Yet still, every month, Barclays reports that I am late ... that I missed a {$0.00} payment. This has continued to drag my score down since 2018. 

I called Barclays several times and each time they tell me I owe nothing, and they should not be reporting late payments .... and that they will resolve it. But they never stop and I have gone through this more than 5 times. 

I have also disputed with the credit bureaus directly and after the dispute resolved it says dispute resolved, customer disagrees .... ahem ... excuse me no it is not resolved!! 

I need help with getting Barclays to STOP REPORTING ME AS HAVING LATE PAYMENTS EVERY MONTH SINCE 2018 WHEN I SETTLED MY ACCOUNT I feel like I am bullied and am up against a juggernaut that keeps destroying my credit with no recourse for me
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX. 

Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # Reference # : XXXX / Public Records Bankruptcy Account # Reference # : XXXX Public Records Bankruptcy 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
Product: Money transfer, virtual currency, or money service

There was no one to talk with in regards to my discrepancies
Product: Credit reporting or other personal consumer reports

i recently logged into my Experian credit file to see a fraudulent XXXX XXXX account reporting in my credit profile, this fraud account appears to have outdated data and not been updated in 2.5 years, i've made several attempts for an investigation from Experian, within minutes after i submit a dispute, i receive an automatic bot reply, which says The company that reported the information has certified to Experian that the information is accurate. Experian is using FAKE auto generated messages to respond to my disputes and there is no real person investigating.
Product: Checking or savings account

XX/XX/23 - BRIGHTMONEY took {$89.00} from my account I reached out to the company expressing this is my rent money they have taken they didnt care, advised me that is there usual procedure- I advised I didnt sign up for this account!! Ive emailed the company no response.
Product: Credit card or prepaid card

I have another credit card that I never owned. I never had possession of and I don't know how it was even opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have no permissible purpose by law to contact third parties with my private or personal information. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. Please remove ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I tried to purchase my glasses at XXXX in XXXX, XXXX. It was denied on my account with XXXX Bank, by Certegy. My account was and has always been in good standing and it was embarrassing and completely unnecessary for them to deny it.
Product: Checking or savings account

I contacted my debit card company and told them There has been some fraudulent activity on my account, some one took {$1100.00} dollars out of my account through atm cash withdrawals. & I have my physical card, & ive never authorize or give anyone my card. I notice the transactions on the XX/XX/XXXX when I went to check the balance on my account. I immediately locked my card and called the debit card company to report it. 

In the span of 2 days on XX/XX/XXXX and XX/XX/XXXX these Illegal unauthorized ATM withdrawals occurred XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX$62.00} XXXX. XXXX XXXX XXXX XXXX {$82.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$82.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX- {$82.00} XXXX. XXXX XXXXXXXX XXXX XXXX- {$80.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX XXXX XXXXXXXX {$82.00} Thats XXXX illegal unauthorized atm withdrawals on XX/XX/XXXX that i did not make in under a XXXX. 
The next day of illegal unauthorized ATM Withdrawals follows below XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$82.00} XXXX. XXXXXXXX XXXX XXXX {$100.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX {$100.00} XXXX. XXXX XXXX XXXX {$100.00} XXXX. XXXX XXXX XXXX XXXX$100.00} XXXXXXXX XXXX XXXX XXXX XXXX$100.00} Thats XXXX illegal unauthorized atm withdrawals made on XX/XX/XXXX that i did not make in less than XXXX. 

I confirm this with the representative that XXXX speaking to. She tells me that I should send them a written email about the whole situation itll kind of speed up the process. Their going to send me some paperwork to fill out. & that this investigation can take up to XXXX to complete. 

I send the email, fill out the paperwork they sent me and sent it back, which was a list of the unauthorized transactions made on my account they wanted me to sign and confirm. 

About a week later i received a letter from the company, real surprised but relieved that it came so quick. But to turn out that the letter said they were denying my claim due to the my pin being used to make the transactions. 

Cyber Criminals have so many different ways to steal your information now, so them denying my claim on that bases that because my pin was used is ridiculous. This isnt even how I use my card so how could this look like my regular pattern of card usage if there really was a investigation done? 

So I call the company back to escalate the situation. I speak to a supervisor who tells me that I need to send them another email for an appeal. Which is exactly what I do. I dont here anything for a while, periodically calling and asking whats going on, then XX/XX/XXXX I received a letter saying the exact same thing the first letter read, that their denying my appeal because my pin was used to make the transaction. 

And I know things like this happen all the time and if they are able to get away with this with me. If This company is doing this to me that means hundreds of people have gone through this same situation and they are not covering people that fall victim to fraud. as if they arent liable for anything.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX CFR Part XXXX ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681b ( a ) ( 2 ). 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus granting Experian permissible purpose to publicly report the listed accounts and inquiries. This infringes upon my privacy and rights per the Fair Credit Reporting Act ( XXXX CFR Part XXXX ), 15 U.S.C. 1681b ( a ) ( 2 ), and 15 U.S.C. 1681 ( a ) ( 4 ).
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 Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Credit card

Hello, I have send a Certificate Letter to this 3 companies on XXXX XXXX  : A ) XXXX XXXX XXXX : Personal Loan, Amount {$5000.00}, Amount Owe {$3700.00}, Original Debt to XXXX XXXX, they sell this debt to XXXX XXXX XXXX XXXX 
B ) XXXX XXXX XXXX Original Debt to XXXX  Amount {$1100.00}, they sell this debt to XXXX XXXXXXXX, Amount Owe {$340.00}. 
C ) Sunbit Credit Card : Amount Owe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  I have not heard from neither of the 3 Companies regarding the Hardship Discharge that I requested from them. 
For your information, all the above mainly because I am experiencing a Severe Financial Hardship. I am a XXXX that lives today from my Social Security Check, that is all my monthly INCOME.
Product: Debt collection

Had state insurance and the bill should have been paid but they are trying to bill me personally.