23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Supposedly simple, I charged my trip thru my XXXX card. The Agent said, it 's DENIED! So I used a different card XXXX, and everythings okay. I called my XXXX card and i told them that I was dissapointed and embarrassed. The Agent said your'e okay and do n't worry about it. The next day I checked my XXXX account on line, and all the denied charges are there amounting to more than XXXX. I called the XXXX card and my Bank, Chase. They said I authorized it and I ca n't do anything about it. what a hurdle, I went to the bank, and they gave me a hard time as it was my fault, nothing happened. Then I used my card to buy gasoline for XXXX dollars, and it was denied. I went back the next day and told them the problem. For more than XXXX minutes all their responses were irrelevant to the problems. I started raising my voice, thats when they produced a document. They told me to fax the documentation to the dispute office ( to find out that the FAX number is not correct ) I check my statement on line and I can not see anything, then I called them while I 'm on line and they told me that check the statement on line and Yes, it was there but I can not read the statement, very small and not clear. For more than a month it was very stressful and raised my XXXX XXXX. Then at the end of the month, I found out that the bank automatically deducted {$380.00} cents. The email said that the thanking me for the automatic payments. A few days later all the emails were deleted, i can no longer track the messages. At least they removed a lot of disputed charges but end up deducting XXXX item from my checking account without my knowledgedt. I am already old, I 'll be XXXX yo and can no longer handle this problem.
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 Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Auto Finance was told in a court judgement to remove their report from my credit report. back in XXXX XXXX to this day nothing has been done and it has hurt my credit for XXXX yrs now then I find out from the DMV that the truck they say they auctioned is still in my name and wanting me to renew the registration. I never had the vehicle and they reported me being paid 3 months in XXXX XXXX thru XXXX but never paid a dime then they sue me in XX/XX/XXXX then fund me a new truck in XX/XX/XXXX. before we even go to court on the XXXX truck and lower note twice in 4 days now after the numerous court hearings, they were told to correct my report but hasnt done so, so far
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account number XXXX XXXX XXXX XXXX a late payment was reported for XX/XX/2023. This is incorrect. My account was not late and was current. My payments was misapplied by the merchant. I spoke to a XXXX representative on XX/XX/2023 regarding my account was told payments were current and that due to a return check was misapplied after I repaid. I was then told my payment but in time but the system in error reported a late payment. However, a late payment was reported on my credit reports, XXXX, Experian and XXXX for XX/XX/2023. The account is and was not 30 days past due. Reviewing of the payment history is impossible to indicate my account is 30 days late. I called XXXX and was told by one customer service representative that this error will be corrected and they will report to credit bureaus my account is in good standing. However, I was told my another XXXX representative it was nothing they could do and I needed to call the needed to call the credit reporting bureaus. XXXX, Experian and XXXX and I was told to contact the merchant directly, in which I had already done and was results from XXXX, Experian and XXXX was that the merchant XXXX will not update to good standing and no late payment.
Product: Credit card

I never signed, dor used any credit card from Bank of America as authorized user.
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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And

according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And also according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, af
ter any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

My account with XXXX XXXX is paid completely and closed in XXXX of 2013. As of now the account sits on the credit report as in collection and a separate collection agency for the account is there too which is ruining my credit and score. I disputed the item with all XXXX credit agencies but got no where. I am attaching all document for your information.
Product: Bank account or service

I tried to open an account with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX both were declined due to a debt with another bank. Early Warning Service LLC is positing incorrect information in a consumer reporting agency. Avoiding me to open an account and job opportunities.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 

DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX very disappointed to find unauthorized inquiries appearing on my credit report tonight, without any clear reason. I checked my report as I usually do, only to find unexpected discrepancies, and refreshing the browser didnt fix the problem. This situation is extremely frustrating, and I urgently ask that my documents be carefully examined to make sure this issue is permanently resolved, giving me the peace of mind I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1.there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORC EMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Student loan

I was denied my XXXX XXXX final year from MyFedLoan numerous times before they finally approved it. Now I am trying to get the XXXX Loan Forgiveness for completing 5 years of service. MyFedLoan is telling me I do not have five complete years of XXXX  because my first year started in XXXX and they are looking at the current school year calendar that stats in XXXX. They are saying the first year only counts as half a year. My district counted it as a full year and has signed off on the paper work. No where in the rules and definitions for MyFedLoan does it contain a set of dates or a percentage of the school year that makes this time ineligible. I had to call and talk to them to find this information out. I am just not sure what the point of the authorizing signature is on the form if they are not going to go by their word or follow up with them. I am very frustrated with this company and know that if I wait until the end of this semester and resubmit the paper work ( which is the guidance they have given ), that there is going to be another excuse. I also no they are losing their contract so it will be someone new that may make things more difficult as well.
Product: Student loan

With respect to the Income Based Repayment options offered through studentloans.gov, I have experienced issues, delays and problems every time I have applied or sought to renew or re-apply for Income Based Repayment through studentloans.gov. They make the application process over-complicated which I believe is intentional or at the very least, unnecessary. For example, I recently learned that my payment to Navient would double despite the fact that I filed for Income Based Repayment two months ago. The reason I was given was that I could not verify my spouse 's income which is laughable since my spouse 's income was imported directly into the application from the IRS ( I file jointly ). I would not have indicated that I could not verify my spouse 's income. This is the third time I have had issues related to my spouse and my application for Income Based Repayment. Rather than being reported in default and/or suffer the consequences of negative credit reporting, I recently paid the higher amount. This is a glaring example of how Navient and others extract money from borrowers and discourage income based repayment plans. I will attempt to discern how to rectify my current income based repayment issue through studentloans.gov ( I will have more issues next year without question ) but want to point out the questionable and deceptive lending practices. When I spoke with Navient today they were perfectly able ( through the " back office '' ) to determine the supposed problem with my income based repayment renewal application but did not offer to lower or adjust my payment for this month either now or when I rectify the purported problem. Rather, they point the finger at studentloans.gov and claim that my next payment will be lower if I go online and resubmit my IBR. Will see. Very convenient.
Product: Debt collection

I have never given anyone my permission to open an account with this company. This account is unauthorized and therefore fraudulent. I don't even know who XXXX is. I have never opened an account with them and it was opened without my consent. The account also can not be verified. I have requested verification more than once and received nothing. I have been defrauded and taken advantage of. This account needs to be closed immediately and removed from my name.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency : XXXX Address XXXX XXXX XXXX, XXXX, PA XXXX Account number XXXX NAME XXXX XXXX address : XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX  XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

I have sent multiple letters via certified mail and also sent a dispute on the XXXX website to delete someone else address from my credit report. I sent a letter advising that according to : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Under the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer with a right to privacy. Not granting me my rights violates 15 USC 1681 and all its subsections. 

XXXX is reporting inaccurate information on my credit report, and I have requested multiple times to remove someone else 's address from my credit report. They continue to say that the address is correct, which I tell them is not. I know that XXXX is only going off systems codes to verify information and not looking at their XXXX XXXX database to confirm if any information is accurate on my consumer report. I request that Experian remove XXXX XXXX XXXX, XXXX, TX XXXX, from my credit report!
Product: Credit reporting or other personal consumer reports

I am writing to inform you that you have illegally reported an unauthorized inquiries on my credit report. I did not give you permission to access my credit profile, and you have no legal right to contact third parties with my private or personal information. Your actions amount to aggravated identity theft under 18 U.S.C. 1028A. You have knowingly, without lawful authority, transferred, possessed, or used my means of identification, which is a felony punishable by up to two years in prison and civil liability. 
You are also violating the Fair Credit Reporting Act ( FCRA ) by obtaining my consumer report without my permission or for a purpose not permitted by law. The FCRA is codified at 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I have been receiving collection notices for a credit card opened in my name, from someone in another state. I have spoken to collection co. Several times asking them to send me paperwork with my signature, anything to prove it is mine. I just received a bank statement copy which has no personal info.I was told by the collection, to file notice here. 
Cr.Card - XXXX XXXX XXXX  amt of {$880.00} act. Was opened in XXXX. Never received a statement from the bank at my address. The person who opened the act.is in XXXX, XXXX. I have never been there, lived there.I have been at the same add. Since XXXX. The same job for 21 yrs. Collection co.MCM.
Product: Debt collection

I XXXX XXXX is filing a CFPB complaint to request that the credit reporting agencies XXXX, Experian, and XXXX block and delete fraudulent information from their consumer credit reports under FCRA 605B ( 15 U.S.C. 1681c-2 ). The fraudulent items in question are : A home service account opened at XXXX on XX/XX/XXXX. 
A collection account from XXXX opened on XX/XX/XXXX, with a balance of {$670.00}, which appears related to the XXXX account. 
XXXX does not recognize the above accounts or collections, stating they were not opened or initiated by them and are the result of identity theft and fraud. To support this claim, XXXX has attached a copy of the FTC Identity Theft Criminal Complaint ( Case # XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a Despute in for credit exception company 2 years ago with XXXX and they still have it on my credit report now .That car loan belongs to XXXX XXXX he is deceased and the car is in bankruptcy.I have call the on yesterday to Despute again. Please help me help XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I wrote to Capital One requesting verification of the account they are reporting to the three Credit Bureaus. Along with my letter, I provided them with copies of my driver 's license, social security card, and a utility bill. On XX/XX/24, I received a letter from Capital One stating that the account I am referring to was taken either over the phone or the internet and they can not provide me with a copy of the original agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to bureaus to remove personal information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; accounts XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX ; XXXX XXXXXXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX that ere UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items or information not later than 4 business days after the XX/XX/XXXX letter sent to Bureaus.Ive already included this in my previous Complaint # XXXX XXXX, XXXX, and XXXX & I am including it again
Product: Vehicle loan or lease

I made a verbal agreement with Nissan of XXXX XXXX finance officer XXXX XXXX for an out the door price of a little under {$27000.00} for a XXXX XXXX vin # XXXX. While signing papers After XXXX XXXX  XXXX asked me questions and complimented my appearance and job as a XXXX  XXXX XXXX profusely. When we got to the purchase agreement I pointed to the bottom number of {$27000.00} as said that it was more than our agreed upon price. He said it was because I was paying what was owed on the lease. I signed the paper thinking that was my purchase price. When I got home I was looking over the paper as saw that he lied. The amount mentioned was my loan agreement not the purchase price. My down payment had been added to the verbally agreed upon price and that was the sale price. I arrived at Nissan of XXXX XXXX at opening but was told I had no recourse but to speak with XXXX XXXX I waited over an hour to find out he was not due in till XXXX and his manager XXXX XXXX at XXXX. I will return at that time. XXXX was unethical by distracting me while and lying to me. I made it clear multiple times that the agreed upon purchase price was the out the door price of about {$27000.00}. XXXX lied to me multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ), I received a notification from TransUnion stating that they received my information and dispute letter. However, they refused to investigate the matter, claiming that it was not properly authorized by me and that it XXXX have originated from a credit repair company. Dealing with this ongoing problem with TransUnion for months has left me incredibly frustrated and irritated. I strongly believe that my rights as a consumer are being disregarded. It's infuriating that despite my attempts to challenge any inaccuracies, I receive the same response every time I send a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX and one of big 3 has broken state and federal laws concerning fraud on XXXX credit card from XXXX. The other 2 earased but XXXX  blocks me from getting on site even as paying customer. Then they have 6 hard inquiereys that they want take off. Also latee payments were not done by FAIR CREDIT REPORTING SECTION 604, 609, 611 AND 623. THESE FOREIGN WORKERS DO NOT DO ANY AMERICAN LAWS WHEN THEY FAKE PUTTING IN DISPUTES. I WANT XXXX FOR XXXX XXXX DOLLARS OFF ACCOUNT AND THEN THEY HAVE ME BEING LATE ON OTHER XXXX CARD AND NEVER LATE. 6 HARD INQUIEREYS WERE NEVER LOOKED AT. SO MANY ISSUES. EVERY BAD ISSUE SHOULD BE STRICKEN FROM MY FILE BECAUSE THAT IS LIKE 2 OTHERS THAT FOLLOW THE FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent inquiry on my credit report XXXX XXXX XXXXXX/XX/2021
Product: Debt collection

On XX/XX/ I called and ask for the original documents. They was not able to produce them.