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

The following credit Bureaus EXPERIAN and XXXX stated that my accounts were properly investigated but how can that be possible when the information shows that the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for these accounts to be removed as they are violating my rights under, the following LAWS.

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 : States a consumer reporting agency can not furnish an account without my written instructions. 

Also the credit bureaus and the creditor have taken more than 30 days to complete there investigation to which no documentation was provided as I requested, the credit bureaus and the creditor have both verified these accounts without providing any proof or documentation. 

Both credit bureaus have instructed me to contact the creditor for proof of verification documents as to why and how these accounts have been verified. The creditor has refused to furnish me any documents proving verification of accounts as well as the credit bureaus. 
there is no proof being provided these accounts must be deleted.
Product: Checking or savings account

I called the bank about getting access to my debit card so I can use it to purchase things. I got told I didnt have access to my account due to my account being overdrafted. I then went through the bank process and was told that once I paid the overdraft I would immediately have access to my cards. I paid the overdraft fee and then almost immediately after I was locked out of my account again and hung up on by the bank. I called the bank back only to be told that it would be XXXX hours before I had access again. I got transferred to another department where I was told my account was coded in a way where my account was being closed. After spending over XXXX hours on the phone it took them that long to tell me my account was being closed after still having paid the overdraft
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a lot of account and inquiries on my XXXX credit report I got off a call with XXXX  fraud department and they recommended to file this complaint here
Product: Debt collection

I had a lease with Toyota that I turned back into Toyota for a  purchase. 13 payments of XXXX were put into my finance purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I initiated a dispute on credit report to the credit bureaus asking if they report bankruptcies to the credit bureaus and I got a letter stating The company that reported the information has certified to Experian that the information is accurate. To date, I have not heard back for the dispute with the other agencies. How did the credit bureaus verify my bankruptcy as 100 % accurate? I do not believe a fair investigation was conducted according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The credit bureaus also violated several other of my rights. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 or prepaid card

My credit card company, Chase bank, has a promotions called Chase Offers. There was an offer available to be used at the XXXX & XXXX store. The terms said that I needed to make two purchase greater than {$37.00} each and would receive a credit for {$75.00}. On XX/XX/XXXX I made two purchase that were {$53.00} and {$54.00}. Shortly after I received an email stating that I " ... just used one of your Chase Offers ''. I then logged onto chase.com where I saw the two charges for XXXX XXXX XXXX. On XX/XX/XXXX when my husband logged into chase.com to pay the credit card bill and noticed that somehow the XXXX XXXX XXXX charge was changed to XXXX XXXX. We then called chase at ( XXXX ) XXXX and opened a case. I was told to call back to get the status after a few days. On XX/XX/XXXX my husband was told his case was won and I too should have a similar outcome. On XX/XX/XXXX, he received a letter stating that his request was denied. I am now out of the return window at XXXX XXXX XXXX so I called to speak with a supervisor to find out how this " bait and switch '' and outright lying could have happened. Another case was then opened to review the phone call were I was told that a credit would be forthcoming. Case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one student loan but it appears six times with different balances, two smaller amounts from the school that I never applied for a loan from them, or agreed to pay them any money, and then my student loan balance appears 4 times each claiming 120 days past due, the loan is ten years old and it was my belief that your credit report could only go back three years, but if the same company regularly reports that your 120 days past due every 120 days how is something suppose to ever fall off a credit report as the passers of the law intended if I am not mistaken. And then to have the same loan listed six different ways. It should be one strike on my credit if they go back 10 years but if they can only go back three years the student loan is from like XXXX  I believe so the debt is XXXX XXXX XXXX. I think my credit report should reflect that not make it look like it is a brand new balance every 120 days.
Product: Debt collection

The cost is {$310.00} to XXXX XXXX XXXX. The credit bureau handling my case is constantly calling my employer, even contacted other departments I do not work in. Threatening other employees and stating they have tried to call me multiple times. They even asked to speak to my supervisor.
Product: Debt collection

I have sent them several letters telling them that are violating my rights and to cease and desist by reporting this negative information is violation of cease and desist everytime i see my report they communicating with me these letters were certified so they signed for them meaning they are ignoring the law i listed below " This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You have violated the FDCPA $ XXXX and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. 
I have not given you written permission to put anything on my credit profile 15 USC 1681b2. 
You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out to this company several times and they are still reporting inaccurate names and addresses on my report. they are also reporting incorrect payment status on my report.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX ss XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX Ga XXXX Dear Experian XXXX XXXX XXXX XXXX Texas XXXX And XXXX And XXXX Credit card XXXX XXXX XXXX -original creditor XXXX XXXX XXXX XXXX  XX/XX/XXXX {$3100.00} information is not accurate and has not sent me any validation proof of debt Please delete this from my credit report immediately. I am a victim of identity breach and theft. 
Right to privacy 15 usc 1681 governs access to consumer credit report records and promotes accuracy Fairness and the privacy of personal information assembled by credit reporting.

My information was exposed by Data breach
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 ( Golden 1 Account Number XXXX )
Product: Checking or savings account

I've have a account with Navy Federal for years. I has the OPPs program that you can't get back on track from. That is a good way of stay having your account in the negative. I have my work check deposit into the account when it was opened. When the stimulus checks XXXX deposited into the accounts. I thought i was using my personal money. I was told that they gave me a deposit in good faith because everyone was getting this check and my account got in a negative over {$1500.00} dollars. I asked them who told him to do so they said it was done in good faith. Now my account is over drawn and the account is closed and in the negative. This is not something i asked or knew about.
Product: Debt collection

I Have sent out 3 debt validation letters to this company requesting to show proof that they have the legal right to be on my credit reports. Each dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609 and Section 611 which states if the UNVERIFIED items listed below are not deleted immediately. I Have been ignored with each request. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks
Product: Credit reporting or other personal consumer reports

I made a payment in XXXX before I was laid off from my job and looking for a new one and notified the bank that I may fall behind a month while I was switching jobs. Switching jobs took me two months. They refuse to make it financially possible for me to catch up and even denied allowing me to make a payment at one time. Also denied me the opportunity for settlement when I asked them about that. I have also requested validation of this debt such as identifying factors and all customer service fraud department and other call request from me as from XXXX to XXXX I called XXXX XXXX XXXXXXXX probably over 20 times and Was More than one occasion outsourced to a different countries call center who demanded me to give them my credit card number and my Social Security so I disconnected. Months later, I was able to finally reach somebody in XXXX. Still just demanded that I paid the full balance And insisted that was all they could do for me, even though my credit information was at stake due to them outsourcing Their Work. I have made about four payments on this credit card in the past six months. They close the account in XXXX. And I didnt know it until close to XXXX. And in XX/XX/XXXX They notified me via email that they would be closing the account soon if I didnt pay everything in full by the last day of the month. This is fraud. I am a single mother, and I have worked very hard on my credit. XXXX XXXX XXXXXXXX credit card Is a scam. I have verbally requested validation of the debt at least four times. Two times through the credit bureau and twice over the phone the last time being about two months ago. Never received correspondence and had verified my contact information
Product: Mortgage

In early XXXX, my loan was transferred to RoundPoint from XXXX. I'd been trying to request an inspection so I could get my insurance XXXX XXXX and XXXX XXXX XXXX  check endorsed and back to me. In a couple of time I spoke with the back, I have provided all the paperwork I was asked to but this is followed by no action from RoundPoint.
Product: Checking or savings account

On XXXX XXXX, M & T Bank erroneously posted a cash withdrawal made to my account made by another customer in the amount of {$1300.00}. Despite numerous contacts and visits, they continue to break promises over times to get the reversal posted and I am denied access to my rightful funds.
Product: Checking or savings account

I was aware of some suspicious activity on my account. I notified them. They said that I have nothing to worry about. A month later 9 or more transactions unauthorized happened in my account. I then notified them. They seemed uncaring and unbelieving. Multiple times I have went to them only to get pushed aside again and again. My account is negotiative and still active and me still unsure how to proceed.
Product: Credit card

We have AT & T Universal card for many years. My husband set up automatic withdraw account with them. We wanted to make sure the automatic withdraw account really worked. I called XXXX XXXX XXXX customer service and asked " Do we have an automatic withdraw account? ". The representative said " No, you do not have the automatic withdraw account. ". He send me the application form for automatic withdraw account. We mailed out a check {$1500.00} to them to pay for the bill. XXXX XXXX XXXX cleared the check onXX/XX/XXXX XXXX. They withdrawed {$1500.00} from my bank on XXXX XXXX. I called XXXX XXXX XXXX. They said I need to talked to my bank, XXXX XXXX. I talked to XXXX XXXX. They gave back {$1500.00} on XXXX XXXX. On XXXX XXXX, XXXX XXXX XXXX presented my check {$1500.00} to XXXX XXXX again and cashed out the money. I was so mad and called them. Finally they returned the money.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX  Amount : {$0.00} Date of Account:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sent a letter out on XX/XX/2023 to Experian, XXXX, and XXXX. Here is my tracking numbers : XXXX, XXXX, XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 


According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I loss my wallet in XXXX  at a friends house and I begin see accounts on that address in my name on my credit report
Product: Checking or savings account

i opened an savings account with " Key Bank ' XXXXXXXX XXXX XXXXXXXX ' after reviewing statements, realized bank charged a {$20.00} 'off ' the account, i then went in an Closed the account, at which i was charged an additional " fee ' for a " check ' ( they did not have enough cash on hand! ) all Not my fault they do not have the cash/ or maybe they did but wanted a reason to make the additional " Fee ' charge on, some XXXX ' banking at the least, illegal bank practice i belive,
Product: Credit card

PayPal charged a credit account I was unaware I had to complete a purchase. When I called PayPal I was told it was my default even though I had other options set up to pay wth them. I 'm confused why I have to use credit and pay interest when I have other options available. They are supposed to be helping for our security not charging credit accounts for no reason to turn a profit. The customer service rep ( XXXX ) and her manager ( XXXX ) were very rude an inconsiderate and played hardball like it was my fault. A total joke of customer service, is that how PayPal operates? Charge customers and then bully them when they inquire. I was very disappointed in a company I trusted a lot, I will no longer advise people to use their services this is abusive and potentially dangerous to many young users like myself. PayPal apparently set this account up for me when I was barely over XXXX. I had no paperwork clearly disclosing anything and could not even tell you the interest rate I am going to be charged. I thought all companies now we 're required to disclose this information prior to any accounts being issued. This is very irresponsible and needs to be addressed immediately.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these 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  these alleged debts are reported as a chargeoff collectionon my XXXX, Experian and XXXX XXXX XXXX which is negatively affecting my ability to obtain credit.
Product: Student loan

My problems with Sallie Mae began back in the XX/XX/XXXX 's and culminated with their having XXXX mercy while my daughter was going through treatment for XXXX from XX/XX/XXXX until her death in XX/XX/XXXX. While she was on a ventilator ( XX/XX/XXXX-XXXX ) awaiting a XXXX transplant, Sallie Mae refused to work with me and I was forced to defer then request a forbearance for my student loans. After she passed away ( XXXX ) I even offered to send them a copy of her medical bills, death certificate and invoice for her funeral. They told me, " You could send them, but it wo n't make any difference. You 'll have to pay what is in arrears or request a deferment ''. My only daughter had just died, she had just turned XXXX, and all Sallie Mae cared about was their money. They made me feel worthless, alone and helpless. I began with {$26000.00} in federally backed student loans and I now owe {$54000.00} to the legal loan-shark known as XXXX ( formerly Sallie-Mae ). Not only that, but when I consolidated my student loans the interest rate was XXXX % and I can not refinance with XXXX to obtain a lower rate. On top of all this these student loans were obtained so I could attend the worst private college known to mankind ( XXXX University in XXXX ). When I went to XXXX in XX/XX/XXXX they were teaching decades old technology that was nowhere close to cutting edge. XXXX fleeced me, lied about their technology and helped ruin me financially over the years. I 'd like to thank the Federal Government for limiting my student loan interest deductions at {$2500.00}.
Product: Credit reporting or other personal consumer reports

I have a joint account with my ex wife. the divorce decree from the judge gives the property to my ex wife and makes her 100 % responsible for the payment. I have sent the decree to the bank and had multiple calls with no resolution. When she is late they report on my credit. By court order I cant and dont have the ability to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously contacted XXXX about an item on my credit report that had stemmed from identity theft. I have not been notified about any results and the item remains on my credit report. According to 15 U.S. Code 1681c-2 ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please refer to the attached documents.
Product: Mortgage

I currently have a traditional 30 year mortgage with US Bank Home Mortgage. My property taxes were due to the Washington DC on XX/XX/XXXX.  US Bank has been escrowing the taxes. They had the wrong Lot number associated with my property. I provided them with the correct lot # and a copy of the DC Real Property Tax Bill on XX/XX/2018, well in advance of when the tax bill was due. They still have not paid the property taxes and have not resolved the issue. My taxes are now late. The customer service tax department is particularly unhelpful. They are now telling me that they won't have this resolved until XX/XX/XXXX ( after I was told it would be resolved by XX/XX/XXXX ). Please advise what can be done. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I received a call from Truist about my personal loan payment. I scheduled the pay on XX/XX/year> after attempting to make the payment on the XXXX. I was not allowed to make the payment because it showed something weird that said closed end loan and the balance was zeroed out. On XXXX I googled what that meant and I have a screenshot of my history showing the XXXX search. I was then able to schedule the payment on the XXXX so I scheduled it for the XXXX when I got paid. I get XXXX phone calls from Truist telling me to make a payment. I stated that my payment was already scheduled so why were they calling. She starts asking me all these questions and I asked again why was she calling. Then I went to my account to screenshot when it was scheduled and saw XXXX late fees added to my account today. I asked for them to be removed and she said it was only XXXX and it could not be removed. I asked to speak with manager and which she refused to do several times. I told her I was going to report them if this was not fixed. I have been in the phone for XXXX mins trying get the resolved. I dont know what is going on with their site but its not my fault of the site would not let me make a payment and its illegal to charge me 6 times for XXXX late payment. I have a screenshot of that as well.