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

In accordance with the Fair Credit Reporting Act these accounts have violated my rights. 
According to 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 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Account Name XXXX, XXXX. 
Account Number XXXX Account Name XXXX XXXXXXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name DEPT OF EDUCATION/XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXXXXXX XXXX, XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name OFFICE OF THE ATTY GENER Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/19, I received a check in the mail for {$1700.00} for a piece of furniture I listed on XXXX I cashed the check and it " cleared '' on XX/XX/19. The " buyer '' wanted {$750.00} to be set aside for the movers. The next day, when the check " cleared '', he asked me to XXXX the {$750.00} to the movers, so I did. 

I found out within 15 minutes that it was a scam and called Bank of America to stop the XXXX transfer because it was still processing. They told me that there was nothing they could do. How could they have no consumer protection? The item was in processing when I called B of A and they had no ability to cancel it? What is my recourse with XXXX to stop this scammer?
Product: Checking or savings account

I had an account with Wells Fargo up until early 2018. I just recently found out that they were charging some account holders extra fees. And I just wan na know if I was one of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX - ACCOUNT # XXXX XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX  - ACCOUNT # XXXX XXXX XXXX  - ACCOUNT # XXXX XXXX  XXXX  - ACCOUNT # XXXX - INQUIRIES- ( ALL ) XXXX  XXXX  ( ALL ) XXXX  XXXX XXXX  XXXX ( ALL ) XXXX XXXX XXXX XXXX ( ALL ) XXXX XXXX ( ALL ) XXXX XXXX XXXX  ( ALL ) XXXX XXXX  XXXX ( ALL ) XXXX XXXX XXXX XXXX XXXX ( ALL ) EQUIFAX MORTGAGE XXXX  ( ALL ) XXXX-XXXX  XXXX ( ALL ) XXXX  ( ALL ) XXXX  XXXX  XXXX ( ALL ) XXXX XXXX  XXXX ( ALL ) XXXX  XXXX XXXX  XXXX ( ALL ) XXXX  XXXX XXXX  ( ALL ) XXXX XXXX XXXX ( ALL ) XXXX ( ALL ) XXXX ( ALL ) XXXX ( ALL ) XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS . 

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 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ANY ACCOUNT WITHOUT MY WRITTEN CONSENT.
Product: Checking or savings account

I was involved in a car accident In XXXX XXXX, California on XX/XX/2024. My vehicle was towed from the scene of the accident and I was sent to the XXXX. My cellular telephone and wallet containing my cashapp card were left in the vehicle when i was XXXX XXXX XXXX XXXX. I did not become aware of my card and phone being used unitil I received a call from my carrier XXXX XXXX that i had left a phone behind in one of their stores located in XXXX, Minnesota. I informed them that i was not in Minnesota nor did i authorize anybody to use my account. They sent me the phone which I received and it was not the phone that i originally had. The person ahad changed the phone onto this new device. Once i turnede on the device i was able to see all the transactions made on my account. I have never been to Minnesota and it was physically impossible for me to have been there in the time fram of the transactions since i was XXXX  in XXXX XXXX, California. Cashapp has refunded some of the smaller transactions made but not the bigger ones. I was never in Minnesota how can they pick which ones I made and did not. If I did not make any.
Product: Checking or savings account

My computer was hacked and compromised before XX/XX/XXXX. 
I noticed charges from an XXXX Bank of America on XX/XX/XXXX, and froze the checking and credit card account then and filed a claim for the fraudulent charges. 

In the checking account the amounts taken were {$9900.00} XXXX Credit Card payment on XX/XX/XXXX, {$15000.00}. XXXX Bank Credit Card Payment on XX/XX/XXXX. 

In the credit card the amounts taken were {$1900.00}, plus {$57.00} transaction fee, balance transfer XXXX XXXX on XX/XX/XXXX. 
{$2500.00}, plus {$75.00} transaction fee, balance transfer XXXX Bank CA on XX/XX/XXXX {$4700.00}, plus {$140.00} transaction fee, balance transfer XXXX on XX/XX/XXXX. 
{$150.00}, for a fraudulent payment on XXXX on XX/XX/XXXX As there are XXXX accounts, there were XXXX claims filed, XXXX for the checking account and XXXX for the credit card account. The claim for the credit card is in progress, while the claim for the checking account was denied on XX/XX/XXXX, as Bank of America claimed that the transactions were legitimate, because they came from my computer I demanded the documents they used to decide the decision to deny the claim, and sent my computer to a computer technician to root for viruses. The documents they provided showed the IP addresses used to log into the bank for all the transactions. 
Bank of America claims that because I did not report several transactions, all the transactions from that XXXX address is legitimate. 
However, Bank of America XXXX credit card fraud department must not be communicating to the checking account fraud department, because I did report the other transactions to the credit card department. The computer technician reported several viruses found inside the computer, including one that could remotely extract information from the browser. 

Also viewing the IP addresses, the dates and times shown are impossible for me to be at, and I have alibi 's and witnesses attesting my location at that time. 

The process of calling Bank of America has been extremely time consuming, as they have kept me on hold for hours at a time, transferred me back and forth before breaking the connection. It has been extremely difficult getting ahold of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 710XXXX XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

Requested update to credit reports to reflect current closed and XXXX balance status of account has not been made. XXXX, to date, has only updated XXXX with accurate information. XXXX and Transunion continue to erroneously report the account as open with a current balance.
Product: Student loan

Navient took over servicing my student loans and did not notify me at all in reference to my account being transferred to their office. As a result I was hit with late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX. The reason why there is a break in the payments having been late is because I had enrolled in college which automatically placed my outstanding loans in deferment. When I finally realized that Navient had taken possession of my student loans I called and placed them in deferment/forbearance and have been in good standing since and Navient refuses to remove this negative reporting that only occurred due to their failure to notify me of them now servicing my loan.
Product: Debt collection

My company ordered products for another company which was using stolen credit cards. I did everything in my power to identify this company as a legitimate company. XXXX ( My credit card processing company allowed transactions to go thru even though the company name on the credit card did not match who actually owned the credit card. There practices allowed this fraud scheme to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXL XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX - XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX credit report TransUnion credit report . Show these inquiries was not approved by myself XXXX XXXX XXXX XXXX all rights reserved a living man. Credit pull happened without my knowledge. I have submitted in writing letters and FTC report and have contacted each creditor separately which I was told they do not hold and information on me that shows requested inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Forbearance plan initiated XX/XX/XXXX. Late payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, has been paid during forbearance plan. Pennymac is constantly reporting me 60 days late in forbearance, even though all monies are paid, besides whats due during forbearance {$16000.00}. Credit reporting is triggered somehow thru phone calls or payments to Pennymac. If no communication is initiated, then credit reporting ceases. Communication with my mortgage lender, should not trigger negative credit reporting on specific months, when in forbearance. If its consistent, then all months should say 60 days late, but the error comes in when I was actually 90 days late from XXXX. This information is not correct in my credit profile and should be updated immediately. Pennymac is the worse Thanks
Product: Debt collection

Southwest Credit Systems XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To : The Office of Registered Agent for Southwest Credit Systems From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and the original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY.
Product: Credit card

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The following account COMENITYBANK/VICTORIA ( Account Number : XXXX ). Date Opened : XX/XX/year>. XXXX {$0.00}. I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately. I am notliable for this debt with COMENITYBANK/VICTORIA. I have attached a copy of my ID and FTC report. ( Please see attachments ).
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


UNAUTHORIZED INQUIRIES : 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 Equifax XXXX XX/XX/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 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 of 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

i was checking my score for accuracy and came upon accounts that are fraudulent that i did not authorize on my credit report i was advised to fill out this form one of the steps of action on my credit report
Product: Payday loan, title loan, or personal loan

This lender overcharges me on the monthly interest. When I make my full payment they charged interest and they also charge interest on all subsequent payments made within the billing cycle. her is an example of the last month.
Product: Payday loan, title loan, or personal loan

I got a small no interest loan for a certain term that Im not sure of from Wells Fargo.The loan was for around {$9000.00}. I was paying it it off in large chunks and assumed they would warn me when the no interest period was about end but they did not. When I had paid the loan down to {$3000.00} they added {$6700.00} in interest. This is definitely fraud and predatory lending in my opinion. If I knew that would happen on that date I would have paid off the {$3000.00}.
Product: Credit card or prepaid card

About a year ago but less than a year ago, my flight with XXXX was cancelled and I received a credit for it almost immediately ( it was a XXXX credit allowing me to book another flight ). That credit is valid for 12 months. About 6 months ago a tried to use that credit to book another flight with XXXX but the XXXX routed my from one customer rep to anther to another and yet to another who finally dripped the call without allowing me to redeem the credit. I was discussed by this experience and a waist of 1.5 hours on the phone but hoped for the best knowing i have another 6 months to get this done since i had it in writing that the credit was issued. I tried twice more over the last 2-3 months with similar result. When i contacted TD bank who issued my prepaid credit card i used to purchase to issue a charge back i received a generic response that " no errors were found with XXXX ''. I when i further inquired about logic behind this unexpected response i was told ( but they would not say in writing ) that my claim was more then 60 days from the transaction ( the original purchase of the ticket ). I did explain all of the circumstances as i did here, in a fax i sent to TD bank, that i had no reason to ask for charge back as i was issued a credit for the cancelled flight and the credit wqs supposed to be good for 12 months. Only later i realized XXXX uses this tactic not to pay back what they owe. I'm requesting a {$210.00} form TD bank as i hold them responsible for not looking into this claim in a manner that would be consistent with bank where i keep my funds.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered misleading items linked to my profile. These are not affiliated with me, and I never authorized them. 

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 XXXXXX/XX/year>
Product: Student loan

Filed for XXXX in XX/XX/XXXX. My student loan was consolidated and transferred to Mohela in XX/XX/XXXX ( processed in XXXX ). I currently have 89 payments confirmed that qualify for the XXXX  ( from XX/XX/XXXX to XX/XX/XXXX ). I have contacted Mohela ( XX/XX/XXXX ) to see why the rest of my loan payments from XXXX and XXXX have not been applied, they said they did not receive information from XXXX XXXX. I contacted XXXX XXXX  ( XX/XX/XXXX ) and they said they sent information and Mohela has information. I contacted XXXX and they are sending my records ( did in XXXX, but called XX/XX/XXXX and they are resending to me ). I made a complaint with XXXX XXXX to inquire why my loans are not coming thru to be counted as I have been employed with an approved employer since XX/XX/XXXX. Each time I call either servicer they give the standard it takes time. We are approaching a year. No one seems to know who is responsible or how to obtain the records. Each time I call or try and contact them it is a 30 to 1 wait with no help. I want to know that they have the information and timeline for processing ( reasonable timeline ). I will have made 10 years of payments plus over that which should be refunded to me and I know there will be issue with that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on Equifax with my name, in which is being reported inaccurate let alone no inquiry to support its a legitimate account of mine. Account has no inquiry to support the account. Due to error and inaccurate account Equifax has failed to provide information of proof account belongs to me. Equifax has no document or contract to verify the account. Ive reached out on numerous occasion by phone to Equifax and they have transferred me to different departments in which there staff has not been pleasant to resolve the matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  account # : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX U.S. Code 1681s602a. States I have the right to privacy.

15 U.S. Code 1681s604a section states a consumer reporting " agency '' can not furnish an account without my written consent/instructions.

15 U.S. Code 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following information other than the conviction of crimes which anteaters the report by more than seven years.

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

Experian has illegally falsely submitted a dispute without my consent that caused substantial decrease of my credit score as a XXXXXXXX XXXX XXXX to hold my personal credit score at poor rating because I have made complaints against Experian for incorrect and improper credit score calculations and reporting to lenders and not positively crediting my score correctly each month after positive credit account information is being reported to Experian each month. I did not file a dispute with Experian therefore they illegally filed a dispute on my behalf which has no results of any changes to my report only a significant decrease in credit score without any explanation of why the change in score only to refer to credit report which doesnt show any changes. Experian has used XXXX practices to negatively impact credit score in retaliation to complaints about their company. Experian has not properly and accurately applied points to my credit score each month in efforts to hold credit score down to poor rating. Experian customer support is unprofessional and rude unwilling to provide support avoiding and deterring consumers with XXXX XXXX to prevent them from complaining about their company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts has violated my rights 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States i have ghe 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: Student loan

This is a follow-up to complaint #XXXX regarding American Education Services.  Despite talking to customer service in XX/XX/XXXX, I still have received NO new information regarding my application for discharge for total and permanent disability.  Instead, I have received bills for interest.This morning (XX/XX/XXXX), I received a call from XXXX, employee # XXXX, regarding my "past due" balances of $XXXX.  She had NO knowledge of my application for discharge nor the pending complaint.I informed her of the pending discharge and of the previous complaint.  I noted I was going to file a follow-up complaint.  I also requested that I receive NO more collection phone calls.  It is time for them to complete the review of my application and discharge the loan!  It has been almost a YEAR since I started this process and I have received FALSE information from them regarding the process.