23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX and XXXX fraudulent charges were made on my credit card. The company was XXXX. First Niagra supposedly did an investigation. They said it was n't fraud. So they sent the claim to the disputes department. They said there investigation determined the claim was for unauthorized charges. So they turned the dispute to a different unit. I have a letter from the investigator called XXXX XXXX. They said it 's was a dispute because I got something from them, but they never said what. In the meantime Key Bank bought First Niagra. I asked them to perform a new investigation. XXXX XXXX from Key bank said she, did but they did n't. She said she had nonever of the First Niagra records. I asked to speak to a supervisor. After numerous calls I reached a supervisor. I told her that Key Bank did not do due diligence. She said she would contact XXXX. She said I purchased soccer equipment. I said I didnt. I am XXXX and have a XXXX XXXX XXXX granddaughter and did not make an such purchase. Then the supervisor told me to call XXXX and and she gave me their phone numbers ( XXXX and XXXX ) and told me to talk to their customer service. I said ok. Then I realized I did n't have the credit card and the bills only have the last XXXX digits. I called the supervisor XXXX XXXX XXXX XXXX ) back again she said I should call XXXX and use my customer ID number. I said I did n't have a customer number because I 'm not a customer. That 's the point. Yesterday she said she 'd contact them again. I said Key Bank owes me me the XXXX because I already paid those amounts. I have the letters from First Niagra and Key bank as well as the bank statements.
Product: Credit reporting

Fair Collections & Outsourcing is reporting a eviction on my credit report for an apartment that I never lived in. I have a copy of the signed lease of my girlfriend at the time but I never signed anything or lived at the community
Product: Credit reporting, credit repair services, or other personal consumer reports

Aidvantage has furnished unverified debt to consumer reporting agencies without the consent of the consumer. The said actions of this corporation violate the XXXX XXXX Rights and Privacy Act ( XXXX ). XXXX XXXX Subtitle A Part XXXX Subpart D ( a ) whereas it states " The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in XXXX. ". The consumer has never given written consent to the educational agency authorizing them to disclose personally identifiable information. Aidvantage has no right to possess, nor to furnish any of the consumer 's personally identifiable information for the educational agency had no consent to disclose such information. 

Pursuant to XXXX CFR I Subchapter D Part XXXX XXXX whereas it states " In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission XXXX, it is an unfair or deceptive act or practice within the meaning of section XXXX of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least XXXX point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Credit reporting or other personal consumer reports

XXXX mailed me a letter stating {$0.00} Balance XX/XX/2024 XXXX, Experian and XXXX also XXXX SHOWS INACCURATE INFORMATION!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX - XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Checking or savings account

Navy Federal Credit union, charged be a lot of overdraft fees totaling XXXX  of dollars, due to them allowing fees to be withdrawn that was not in my account cause me a great amount of overdraft fees that took me weeks to clear
Product: Credit card

On XX/XX/XXXX I submitted a written request to American Express opting out of them reporting any personal information to third parties upon reviewing my consumer credit report on XX/XX/XXXX. I noticed that they have continue to report to third-party companies being XXXX and XXXX are both non-affiliate third party companies. I called American Express calling the number provided on the report on XX/XX/XXXX at around XXXX XXXX while talking to a representative in the credit bureau unit telephone number XXXX, after speaking with several other reps this particular representative after informing him of my previous request that was sent via mail of me opting out and that i would like to place the same request via phone he informed me that no such request can be made. He stated that is not an option that is available. After informing him that I would like to exercise my right of the Privacy Act of 1974, 15 USC 6802 and 15 USC 6805, 16 CFR 313.7 he continued to inform me that that was not an option for me. American Express has treated me very unfairly. They are providing customers with inaccurate information and violating their rights. They are unfair and have deceptive acts and they are training their employees to be deceitful and lie to consumers, the rep informed me that he is following company policy. Several of my rights have been violated. The account that is appearing on my consumer credit report also states that it is a charged off account a charged off account is considered a certificate of indebtedness which means it is income, and income can not be reported on consumer credit reports per irs publication. therefore it must be removed. I have spoke to several representatives of American Express and several departments, and they have all giving me the runaround either by transferring my call to another representative or by providing me with different numbers so I can reach out to them on my own behalf. A few of the numbers provided were XXXX XXXX XXXX which was the credit bureau unit for American Express XXXX Even after me submitting my opt out request via mail written and calling to verify receipt of said request American Express has chosen to not obey the law. They continued to report inaccurate information and they have also provided transaction history providing third parties with non public information. The law says it is illegal to report transaction history and they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to dispute and remove the XXXX XXXX student loan accounts. They are extremely old
Product: Debt collection

I received this call on XXXX/XXXX/16. The message left stated that I had an unpaid debt and that it I had to call to discuss the matter. I was told to call XXXX, which is strange because my caller ID displayed the number XXXX. This leads me to believe that this is a spoofed number. I looked the numbers up online and discovered that this is a debt collector known for fraudulently attempting to collect zombie and/or non-existent debts. 

I have and have never had any debt. I do not owe anyone any money. I will not be sending this company any money. I have checked my credit reports and there is nothing about this alleged debt on any of my reports. I have put a fraud alert on all of my credit reports as a precaution. In addition, I have never received anything in the mail regarding this alleged debt, which leads me to believe that this company does not have my contact information and is phishing for the purposes of committing a fraud.
Product: Debt collection

I have disputes two collection account on my credit report one that is illegal and affecting me from renting a apartment because it comes up as an eviction both collections
Product: Credit reporting, credit repair services, or other personal consumer reports

ive called XXXX times and sent a letter in the last XXXX weeks and they havent done anything or sent me proof. in accordance to the fair credit reporting act these unauthorized inquires on my report are violation my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there is no proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after 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.
Product: Checking or savings account

On XX/XX/2023 at XXXX XXXX, I received an email regarding the opening of a new bank of america account. I do not have, nor plan on having an account with them. I also received an email saying that the email has been changed.
Product: Checking or savings account

On XX/XX/2022, someone in Florida used my card at a XXXX in Florida, charging the card {$160.00} ( three transactions of {$55.00} each ). They blocked the card themselves and notified me of the suspicious transactions which I acted on quickly. I got my card replaced and filed a claim the same day. They have just notified me that they can not approve the claim saying that someone was authorized to use the card when I am the only cardholder and do not and have not been to florida and do not shop at XXXX They need to reinvestigate and approve the claim as they allowed someone to add my card to XXXX XXXX to use at a XXXX in florida without my consent. 

Not just that but they took my access to use XXXX XXXX  without any reason.
Product: Debt collection

XXXX PUT ME IN COLLETION WITH OUT HAVE IN ACCOUN WITH THEM I JUST PAY XXXX DOLLARS JUST TO HAVE REMOVED FROM MY CREDIT REPORT IM GOIN TO LAWSUB THEM FOR FALSE STATEMENT FOR DAMAGE MY CREDIT FOR NO RESON THANKS FOR THE INVESTIGATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Home Depot has lowered my credit amount based on information obtained through XXXX. XXXX/XXXX  has not accepted a payment sent out on the to be received by XX/XX/XXXX. They have the payment on their books, and yet, this amount has not been taken from the bank. I'm told this money needs to be cleared by the bank. It was cleared from the bank the minute it was sent to them. This transaction and very suspicious. I have spoken to a customer service rep. so that I can get a cal back with 24 to 48 hours. This is very, very bad business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an error with the balance being reported with my " XXXX XXXX XXXX XXXX '' account. 
My statement balance is {$0.00} but it was reported as {$320.00} and negatively impacted my credit as a result. Please update my account to reflect my {$0.00} balance.
Product: Credit reporting or other personal consumer reports

XX/XX/23 I filed and Identity Theft and Police Report informing the credit bureaus of fraudulent activity on my credit reports. There is still one ( 1 ) fraudulent account that has not beem removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX HAS VIOLATED MY RIGHT OF THE FCRA 611 ( a ) ( 6 ) ( B ( iii ).

THESE AFOREMENTIONED COMPANY HAS REFUSED TO COMPLY WITH MY RIGHTFUL REQUEST FOR METHOD OF VERIFICATION ON ALL MY DISPUTED ITEMS WITH THEM.

I REQUESTED THE AFOREMENTIONED CREDIT BUREAU TO PROVIDE ME RELEAVANT DOCUMENTS THAT CLEARLY SHOWS EVIDENCE THAT THEY INVESTIGATED MY CREDIT DISPUTES.

I REQUESTED FOR SUFFICIENT PROOF THAT FCRA PROCEDURES WERE FOLLOWED AND PROPER STEPS WERE TAKEN TO VERIFY THE DISPUTES AS ACCURATE. 

I HAVE REQUESTED FOR THESE METHOD OF VERIFICATION SINCE XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed some inaccurate late payments on my credit report. I have 1 credit agency stating I was never late and another credit agency stating I was 30 days late with a payment. I paid this account as agreed. I have a 2nd credit bureau stating I was 30 days past due. I have bureau stating last updated XXXX and the other 2 reporting XX/XX/XXXX. There are to many inaccuracies on this account. It is hurting me in buying property and getting good interest rates. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So ive been fighting a fraud case with XXXX XXXX for more than 4 months now, back in XXXX someone had hacked into my laptop giving me a virus and hacking into my credit cards saved on to the device. That hacker took multiple cards and charged thousands of dollars to the merchant in the name of XXXX XXXX XXXX. All financial creditors have resolved these fraud charges except XXXX XXXX. What makes this case more of a headache is that i have XXXX XXXX cards that were charged with the same amount from the same merchant ( XXXX XXXX XXXX XXXX XXXX ). The charges on the XXXX was resolved within days of the case being open but the XXXX card is going on 4 months with no response. XXXX has also decided to post these FRAUD charges to the credit bureaus and caused my score to drop more than XXXX points and has put me in a tough financial position. This is not fair and ive been contacting XXXX every week for an update but they have refuse to give me an answer.
Product: Payday loan, title loan, personal loan, or advance loan

Believe this is Illegal loan in State of Ga. Lender is not listed in Georgia NMLS. Charged very unreasonable interest rates making impossible to pay back. Without having to get more loans. I have requested to stop further ACH payments from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : Dept of Ed/XXXX Account # XXXX Date Opened XXXX Amount {$3000.00} Account Name : Dept of EdXXXX Account # XXXX Amount {$3900.00} Date opened XX/XX/XXXX Account Name : Department of Ed/XXXX  Account # XXXX Amount {$39000.00} Dept Education/XXXX Account # XXXX and # XXXX Opened Dates XX/XX/XXXX XXXX XX/XX/XXXX ALL OF THE ABOVE ACCOUNTS REPORT DIFFERENT AMOUNTS. 
Account Name : XXXX ACCOUNT Amount XXXX ( This account was somehow picked up by the school XXXXXXXX UNIVERSITY  when my loan was with XXXX XXXX XXXX XXXX originally. It had already been included in a loan consolidation but latter appeared causing all of my accounts to report incorrect amounts. ) All of which are in violation of my rights according to : 15 USC 1681s2 A person shall not furnish any information relating to a consumer to sny consumer reporting agency if the person knows or have reason to believe that the information is Inaccurate.

Under 15 USC 1682 a ( 2 ) ( 1 ) Fair Credit reporting collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services.
Product: Credit reporting or other personal consumer reports

I have not supplied proof underXX/XX/XXXXXX/XX/XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Debt collection

I pulled my credit report on today and noticed that there was an inquiry on my credit from Portfolio Recovery Associates without my consent. Ive disputed this company in the past with wrong information reporting on credit report and have asked this company to stop contact. The Credit Bureau had dropped this company from my credit report but they continue to make inquiries on my credit which results in denial of credit. I did not give this company permission to pull my credit and have not had any contact with this company in several years or since 2018. Theres no reason for this company to check my credit this month or since this account was disputed or out last contact of informing them to stop harassing years ago.
Product: Credit card

Banks are required to have reasonable procedures in place to make sure that periodic statements are mailed or delivered at least 21 days before any grace period ends. Further, for credit card accounts only, banks are similarly required to have reasonable procedure in place to make sure that periodic statements are mailed or delivered at least 21 days before the payment due date shown on the statement. 

A credit card issuer may not treat a required minimum payment as late for any purpose if the minimum payment is received by the card issuer within 21 days after mailing or delivering the credit card statement disclosing the due date for that payment. This means that, if your minimum payment is received by the card issuer within 21 days after the statement is mailed or delivered, the card issuer can not increase the APR as a penalty, report you as delinquent to a credit reporting agency, assess a late fee, terminate benefits ( such as rewards on purchases ), or initiate collection activities. 

I currently have a billing dispute regarding my credit card. While the dispute was under investigation, the bank reported my account negatively to the credit-reporting agencies. Can it do this? 
No. Generally, if you have filed a proper billing error dispute, the bank shall not make ( or threaten to make ) an adverse report to any person about your credit standing. 

The bank also should not report that an amount or account is delinquent because you failed to pay the disputed amount -- or related finance or other charges -- while the investigation proceeds. 

Chase put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was XXXX fault. Now because of this mark on my credit this has lowered my credit score and I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts. In fact in my entire life I have never had a late payment on any of my revolving credit card accounts with any company, that 's a fact. I am now XXXX years old and why would I do that now? Chase has been a great company and service until now and they refuse to work with me on this. 15 years with Chase alone and never XXXX late payment so why would I have XXXX now unless this was a unique situation and not my fault. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one has ever had a late payment. Why would I have XXXX late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so willing to ruin peoples credit with no consideration that I have been a customer of theirs for 15 years and never XXXX late payment? This pertains to account number ending in XXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  AND EXPERIAN HAS ACCOUNTS ONMY CREDIT REPORT THAT ARE NOT MINE/INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to Privacy, Confidentiality and 100 % Accuracy. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX Original Creditor # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) 15 USC 1681 section 602 A. States that I as a Consumer have a Right to Privacy.

( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? NO, I did not.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Also, you have violated 15 USC 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

Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2500.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} XXXX INQUIRIES : XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX EQUIFAX INQUIRIES : XXXX XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit bureau XXXX  credit report. It showed an inquiry by your company that I did not authorize. This inquiry was sent to you by XXXX XXXX XXXX on XX/XX/2017. I have obtained a copy of the Credit Application from the dealership signed by me ( attached below ) and this application does not authorize you by me for your financial institution to run my credit report at anytime.