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

It has come to my attention. My personal information has been exposed in a national data breach reviewing my credit reports I noticed some accounts I am unfamiliar with. I have asked the CRA for validation of debt however, the information has not been provided due to my information being exposed I have submitted a FTC complaint reporting the info. I am not familiar with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX and did not receive a response. I will include a copy of the signed receipt of the certified letter. 
XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. XXXX, XXXX and Transunion. 
XX/XX/XXXX - I received fraudulent documents from XXXX XXXX with a signature that does not belong to me and XXXX XXXX transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. 
XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.
Product: Student loan

I have XXXX Signature loans with Navient. Both are private student loans. Loan # 1 ending in XXXX issued on XX/XX/XXXX and loan # 2 ending in XXXX issued on XX/XX/XXXX. Both loans were issued to XXXX XXXX XXXX XXXX now named XXXX XXXX. XXXX has been listed as a for profit school that has been deemed by the court of law as operating under misconduct. Due to that judgement the courts have awarded the victimized students of predatory lending the cancelation of their student loans. ( Both federal and private ) I have contacted Navient on XXXX occasions XX/XX/XXXX and XX/XX/XXXX. No action has been taken. I have a payment coming up this month and was advised that I'm not eligible for a forbearance or deferment. These options will allow time for Navient to review my account for loan forgiveness consideration due to the allegations of school misconduct for XXXX. Both student loans were paid to XXXX.
Product: Credit reporting or other personal consumer reports

This letter serves as my final attempt to resolve this matter before escalating to legal proceedings. Despite multiple previous disputes and my clear evidence that these accounts are inaccurately reported, you have failed to remove the erroneous information from my credit report. Your continued reporting of these items is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Violations include but are not limited to : Failure to Conduct a Proper Investigation : As required under 15 USC 1681i ( a ) ( 1 ), credit reporting agencies must conduct a reasonable investigation of any disputed items. Your investigations have clearly been inadequate, as the same inaccurate information remains on my credit report. 

Reporting Inaccurate Information : Under 15 USC 1681s-2 ( a ) ( 1 ), furnishers of information are required to provide accurate information. These accounts are incorrect and have not been verified with my signed consent.

Failure to Respond to Dispute : As per FCRA 611 ( a ) ( 1 ) ( A ), you are required to respond to disputes within XXXX  days. Your repeated failure to adequately address my disputes is unacceptable.

I have provided clear evidence that the accounts listed below are not mine and should not be reported under my credit file :
Product: Consumer Loan

This bank is not allowing me to pay my car payment. There are many issues please see below:1 XXXX Made my first payment with a check and sent in the stub to set up automatic payment. they never set up automatic payment. And are refusing to set it up now. 

2 XXXX They never contacted me to tell me my payment was late, I have to reach out to them. 
The first time I was on hold, I waited for at least XXXX minutes for an associate to answer. When he answered he refused to take a payment or assist in anyway. His name was XXXX. When I asked to speak to a manger he kept me on hold for an additional XXXX mins. Then said he could not waive the {$15.00} dollar pay by phone fee, when I told him I did n't want to make a payment through the automated system he said there was nothing he could do. I eventually decided he was going to do nothing for me and attempted to make a payment online3 ) when I attempted to make a payment online they would not let me make a payment without verifying my pay from account. I tried and the verification did not work. I think it is a bit ridiculous to make a person jump through this many hoops just to make a payment. 

It seems and little unfair and abusive of them to do this to customers who just want to pay and set up an automatic payment. It seemed to me like they want customers to pay late and not set up automatic payments. I always pay my bills and put them on auto pay and have not had problems with other financial institutions. I was forced by the car company to use this bank and am very dissatisfied with the service. 

On XXXX XXXX, 2015 I called and spoke with associate XXXX in their bill pay department. He was unable to fix the " Bill Pay '' because it had locked. So he got me in contact with XXXX who works for Bank of America auto loan department. She gladly took my payment with no problem or fee, she also opened a payment dispute and request to get my automatic payments set up. However, I have no confirmation this was actually done. She said it will be investigated which could take up to 10 business days and then I will receive a letter. This would make my payment late again. 

I do not think it is fair I am being penalized, when the original error occurred at BOA not setting up my automatic payments. I did my due diligence in trying to make payments. Additionally, this hurts my loan amount. With the way amortization works on car loans it was taken out at varying cycles which causes interest to be paid out differently and essentially not lower my principal as much. They are costing me money in interest for the ineptitude at taking a payment from a customer wanting to make payments on time each month. 

Please stop these unfair and abusive practices and require them to set up automatic payments when it is an option on their billing statements. I think this is a violation of UDAAP, FCBA, and possible TILA. Since it is not disclose how difficult they make it to make a payment. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1700.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. there are inquires reporting on my consumer report that I did not authorize
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth 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 the TransUnion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ) a cell phone account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a cell phone account opened at XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of $ [ private ] that appears related to the aforementioned cell phone account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 or other personal consumer reports

Consumer formally request the ability to opt out of the below accounts on EQUIFAX consumer report, in accordance with the provisions outlined in 15 U.S.C. 6802 ( b ), 16 C.F.R. 313.7 ( a ), and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer, I understand that I have the right to control the sharing of my nonpublic personal information with nonaffiliated third parties. Specifically, 15 U.S.C. 6802 ( b ) mandates that financial institutions must provide a clear and conspicuous notice to consumers about their right to opt out of such information sharing. Additionally, 16 C.F.R. 313.7 ( a ) and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ) further detail the requirements for financial institutions to provide consumers with an opportunity to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. 
Request : I am requesting that EQUIFAX, as a financial institution subject to these regulations, prove EQUIFAX provided the consumer the ability to opt out of the inclusion of certain accounts on my consumer report. This request is made to ensure that my nonpublic personal information is not disclosed to nonaffiliated third parties without my explicit consent. 
Justification : 1. Notice and Opt-Out Rights : According to 15 U.S.C. 6802 ( b ), I am entitled to receive a notice that clearly explains my right to opt out of the sharing of my nonpublic personal information. This notice should include a straightforward explanation of how I can exercise this right.

2. Regulatory Compliance : Both 16 C.F.R. 313.7 ( a ) and 12 C.F.R. 1016.7 ( a ) ( 1 ) ( 2 ) require financial institutions to provide consumers with a reasonable means to opt out of the disclosure of their nonpublic personal information. XXXX must comply with these regulations by offering an opt-out mechanism that is easy to understand and accessible.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address issue involving the inaccurate reporting of late payment on my credit report. I have consistently been a responsible and long-standing customer with a history of on-time payments.
Product: Bank account or service

I received a charge to my checking account in the amount of {$340.00} on XXXX/XXXX/15. The charge is from XXXX and is under the name XXXX XXXX. I noticed the charge on XXXX/XXXX/15 and immediately called to file a dispute. I received the paperwork to sign and returned it on XXXX/XXXX/15. The paperwork I signed was an affidavit that it was not my charge. I immediately placed the signed affidavit back in the mail in the postage paid envelope provided. I called on XXXX/XXXX/15 to find out when I would receive my provisional credit and I was told after 10 business days of the complaint. When talking with the customer service representative, we both agreed the credit would be posted to my account on XXXX/XXXX/15. She told me it would be later in the day. So, on XXXX/XXXX/15 at XXXX. I contacted Associated Bank to find out why I had not received the provisional credit. At that time I was told my signed paperwork was not received. I was also told the dispute area was closed so they would have to call me on Monday. And that I would not get provisional credit until 10 days AFTER the signed paperwork was received. They said they would re-mail me the documents for me to sign and it would be an additional 10 days AFTER they receive those documents that I would receive provisional credit! 
It looks like the charge to my account is an ACH transaction that obviously was taken from the wrong account. Maybe {$350.00} is not a lot of money to them, but I need the {$350.00} that was incorrectly taken from my account to pay bills. The bank refuses to give me credit to the money that is mine.
Product: Checking or savings account

Im writing this letter to request an investigation of the following : On XX/XX/2020 I tried to access my accounts online with JPMorgan Chase Bank only to find that all my accounts were closed and my assets were frozen without any prior notification. 
After weeks of correspondence and being bullied by customer service and personnel in the Executive Office, some of my assets were released and a check was provided. As of today, XX/XX/2020 the bank is indefinitely holding {$4400.00} from my closed checking account. 
I have explained and provided documentation to every level of the bank indicating that I am a travel nurse and have been negotiating unemployment compensation from the two states that I have been recently employed in, XX/XX/XXXX and XX/XX/XXXX. Because of the pandemic, there has been an extreme amount of confusion and delays with the unemployment insurance agencies that lead to an overpayment from XX/XX/XXXX UIA being deposited to my Chase checking account. I have been working with Arizona UIA to resolve this since XX/XX/2020 but the system is overburdened and very slow to make amends. 
I believe Chase has surpassed the legal investigation period and no longer has any reason hold my assets. Furthermore, the Chase Staff members have been very rude, intransparent and unaccepting of any explanations. 
Please see the attached a timeline.
Product: Checking or savings account

Citizens Bank representatives provided me with false information which caused me to be charged an overdraft fee. I was given NO NOTICE of the fee until AFTER I deposited money to bring account into the positive. They did this so they could take their fee out before I could use the money to pay my bills. Supervisor said there is nothing they can do about their own representative giving LOYAL CUSTOMERS false information.
Product: Money transfer, virtual currency, or money service

I was looking for tickets to a sold out show to see XXXX XXXX and I posted in the event 's page that I was looking for tickets. I got approached by this " girl '' named XXXX XXXX, which I dont even know if thats her/his real name, telling me that she got 5 tickets, seats 6,7,8,9,10 and she was selling them for {$70.00} a piece and I told her I needed 2 tickets and I asked her if she had proof of purchase which she provided, but i don't think it was real, however, I gave her the benefit of the doubt and proceeded to send her the {$140.00}, then she made up an excuse that she needed to drive and she was going to do it as soon as she got home but nothing ever happened and she got away with my {$140.00}. She told me to make the payment via family and friends, which I didnt seem to know the difference and that It wasnt covered by the paypal protection. 

I immediately notified paypal that I the transaction was a scam but they denied my case and that's what they said : Hello ____________, We received the case ( s )  you filed on XX/XX/2019. 

We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized.

If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address :
Product: Credit card or prepaid card

Just received a bill from city cards for {$260.00} on a card that I have never owned. I dont even have a city card other than a Costco card which shows a XXXX  balance.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The EXPERIAN and XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$8100.00}
Product: Credit card

I previously held an American Express Blue card ( " Blue Card '' ). I cancelled the Blue Card on or around XXXX XXXX. I also hold an American Express Corporate Card ( " Corporate Card '' ) through my employer. On two separate occasions, in XXXX XXXX and now XXXX XXXX, I have been charged the Corporate Card American Express Membership Rewards Renewal Fee on my closed Blue Card. When I have called American Express to resolve, it is explained to me that there is a " link '' between the Corporate Card and the Blue Card that is causing this to happen. This is not acceptable. The Card was closed by me and should not be accessible for any reason. Additionally, this charge shows up under the closed Blue Card account on my respective credit reports, which can negatively impact my credit. I respectively demand that AMEX dentify how my Corporate Card is still linked to the Card and remedy the situation.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to EXPERIAN there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 my written instruction. 
I have also attached my FTC report with the report number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My transunion report shows a 30-day late payment for in XX/XX/XXXX my student loan serviced by XXXX XXXX in conjunction with XXXX XXXX University. XXXX XXXX was the direct servicer prior to that. When they entered the agreement with XXXX they released all auto-pay features and provided minimal details on how to make our payments to the new servicer or showed when they were do. The transfer of service occurred starting with the XX/XX/XXXX payment. Moreover, I still managed to make the XX/XX/XXXX payment in a timely manner, and in fact was charged twice. If it was for the XX/XX/XXXX payment, then that was because the new servicer had never alerted me, nor had either provided a means of access to the account. They made it an absolute pain in the behind to arrange a new auto-debit. Just look at my payment history, XX/XX/XXXX was  never late. The missing payment there happened during my 60-day service transfer window mandated by federal law.
Thanks
Product: Credit reporting or other personal consumer reports

Experian has reduced my credit XXXX score of XXXX to XXXX for having my XXXX loans discharged under borrower defense after an investigation that took six years and a XXXX decision 8 months ago legal decision based on XXXX misconduct then it further reduced my score to XXXX when I applied for a credit card and was actually denied based on their own misleading report which is kept secret. This is abusive and a deterrent to people like me who pay their responsibilities on time I think they do this due to my XXXX heritage gender and age thats illegal.
Product: Debt collection

I have contacted Capital One in regards to an account that was sold to XXXX XXXX XXXX. They claim I owe {$1300.00} in which is reported negatively. They have yet to provide me with validation bearing my signature. I am requesting for this account to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been trying all day on XXXX XXXX XXXX to update my status it kept saying we are having technical problems i called the number same thing i even did it to the other 2 credit companies i put a freeze and fraud alert on my account im still getting companies i have not looked at on my credit report i tried the experian boost and my bank and bills names where not on the list it said i can add it at the bottom but it would not let me i feel this is a joke i almost paid for the boost thank god i didnt