23daVinci/CFPB_Complaints huggingface dataset:
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. 
XXXX XXXX Experian XXXX Account names : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX -Child Support Enforcement XXXX XXXX XXXXAZ DES Child Support : XXXX XXXX ***** Child Support Enforcement and AZ DES Child Support was " NOT DERIVED FROM CREDIT TRANSACTIONS. '' ***** - 15 USC 1681 section 602 A states that I have the right to privacy.

-15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my my written instructions.

-15 USC 1681 C ( A ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then seven years.

- 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 any reasonable cause to believe that the information is inaccurate. 

XXXX Child Support Enforcement and AZ DES Child Support was " NOT DERIVED FROM CREDIT TRANSACTIONS and is past the 7 year mark on both accounts " XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a plan through Experian called XXXX premium for daily credit score report, monthly 3-Bureau credit reports and other various benefits for {$24.00} per month.

I was considering upgrading my plan in order to obtain monthly privacy scans and removals from the internet, so I reviewed their upgraded plans. Their website loaded a page which was a 3-column comparison ( attached ) of my CURRENT plan ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( also called XXXX for some reason? ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The " XXXX XXXX XXXX XXXX XXXX XXXX which includes the " monthly privacy scans and removals '' I was looking for, outlines as the very first and BOLDED bulletpoint that this upgraded plan includes " EVERYTHING IN CURRENT ( plan ) ''. However, if you scroll down, you'll see that this " upgraded '' plan only includes QUARTERLY 3-bureau reports, versus my CURRENT plan which includes MONTHLY 3-bureau reports.

How could it be possible that my current plan include MONTHLY 3-bureau reports and the " upgraded '' plan included only QUARTERLY reports, yet Experian is trying to charger me MORE money and, not only that, but they go so far as to mislead me ( and likely many many other consumers ) by falsely stating that the new/upgraded plan option includes " EVERYTHING IN CURRENT PLAN '' - when, in fact, it absolutely does not. This is a LIE and this is FRAUD .... from the largest credit bureau in the United States. Nice work Experian. 

NOTE : MY CONTACT PHONE NUMBER ON FILE IS WRONG/OUT-OF-DATE. MY PHONE NUMBER IS NOW XXXX. Please update your records accordingly. Thanks!
Product: Money transfer, virtual currency, or money service

My XXXX XXXX XXXX has a virtual account wallet with PNC and I am the custodian. On XX/XX/XXXX, three separate money transfers through XXXX were done to XXXX XXXX. One for {$150.00}, {$170.00} and {$200.00}, wiping the account clean. I disputed this with PNC and they referred me to XXXX. After an hour hold time, my son spoke to XXXX and answered their questions, I wanted to talk to them to fully understand the process and they told me they couldn't talk to me since I wasn't the primary on the account. I then went to a PNC branch and they told me I have to deal with XXXX, since they are a third party and that you generally don't get your money back on these types of situations. My son didn't give his user ID or password out to anyone and he doesn't know a XXXX XXXX. PNC sent a letter stating they researched it and the somehow determined that the transfers were done from his phone and inferred he made them. These transfers were done at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Transferring money 3x until there was no more money to transfer. This is clearly a pattern of fraud. My son was asleep at those times and I had to wake him up to ask why I was getting a low balance alert on my phone for his account. I asked for this to get escalated or researched further and PNC has gone silent. If this were my credit card, this kind of suspicious activity would have been flagged and my account would have been locked. They clearly don't have good fraud protocols in place on top of not protecting their customers when fraud occurs.
Product: Debt collection

Obama Care mishandled my XXXX claim XXXX/XXXX/2016. Now that my claim is paid by XXXX, Frost-Arnette The Collection Company is trying not to pay me back what I personally paid of my own money. They threatened to seize my assets last year for the medical bill. Even though I had insurance, they were very cruel to me. Tonight they called and said, " this is an attempt to collect a debt .... '' I quickly responded that they owe ME. I do not owe them. Can you please help me get a refund?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Student loan

My student loan was serviced by XXXX. They sold my loan to Navient during the same time I changed student loan service to XXXX XXXX on an income based payment plan. I am being double charged for my student loan. Navient has me in deferment while owing them the same amount as XXXX. I need Navient to leave me alone. I do n't owe them anything because XXXX paid XXXX for my loan already. I only need to pay XXXX XXXX. Please help me not double pay my student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Continuation of Experian. They are not allowing me to dispute inquiries from companies. This is the sixth time I've gone through them, and they still refuse to put an employee on the phone with me, nor resolve this account. There is a XXXX point discrepancy from my XXXX and Experian. This is my last attempt resolving through you before I create a civil suit.
Product: Credit card or prepaid card

Payment history on discover account shows conflicting and confusing information. 
XXXX reports that the date of last payment was made on XXXX of XXXX, but yet it also shows that payments were made late six times in XXXX and then again two more times in XXXX. 
My question is, was this account ever verified? And if it was verified please send me copies of the documents used to verify the disputed account?
Product: Money transfer, virtual currency, or money service

I am suing Cash App ( Block Inc ) due to inadequate customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report and for not corrective actions on these unauthorized inquiries. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting or other personal consumer reports

I did not authorize any of the hard inquiries listed in this letter. This is not an opportunity for you to investigate as I have provided an identity theft report listing all of the unauthorized inquiries.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 2 ) a copy of an identity theft report Failing to comply with deleting the hard inquiries listed from my credit report within 14 business days will result in violating the Fair Credit Reporting Acts federally protected laws meaning XXXX XXXX EQUIFAX will be liable to me for statutory damages for XXXX  & EQUIFAXs misconduct as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ).
Product: Debt collection

They call me twice a day to pay my credit card that I never received. I told them to stop calling and blocked them, but they leave 2 messages a day! My payment is not due for another weak, leave me alone!
Product: Vehicle loan or lease

The loan company is known as American Credit Acceptance it is part of the XXXX XXXX. I have a vehicle financed through them, a XXXX XXXX XXXX. The account was delinquent XXXX XXXX I called in on XX/XX/XXXX and tried to make arrangements and I was told the vehicle was in repossession status as of XXXX that XXXX. When I spoke to the agent she advised I needed to make a payment to get the vehicle out of that status, so I made the payment. I was told it would take 24 hours for the system to update and the recovery agent to be informed of the payment. On XX/XX/XXXX the vehicle was picked up. I called American Credit Acceptance and they stated it had not been 24 hours since the payment so their system had not had an opportunity to update. I have contacted the company after the 24 hour period and the system was still not updated. The latency of their system should not impact my account. Someone should have called, sent a fax or email to inform the recovery agent of the payment that was made. I am being charged for repossession fees and lot fees to recover my vehicle XXXX. This is not reasonable after I have contacted them tried to make an arrangement and then made a payment. Additionally this company continually violates the FDCPA policy in regards to contact, they have never contacted me regarding the account, if they have they have never left a message to identify that they have called. I do not want my credit impacted any further and I want the fees returned as this was all within their control.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
BankruptcyChapterXXXX  XXXX BankruptcyChapterXXXX XXXXXXXX BankruptcyChapterXXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I tried to open a savings account with XXXX XXXX. They told me I was denied because of my credit score with XXXX. I contacted XXXX and the report has no negative information to dispute but they have my score in the XXXX out of XXXX. My score with all XXXX XXXX, XXXX, and XXXX are over XXXX out of XXXX. They say I cant dispute their logic, but there has to be an error. The top XXXX reasons that contribute to my score all say the same thing : either no info in the last 3 years or adverse info. I have a mortgage in my name, a car loan, XXXX credit cards paid off every month, etc. There is no reason they shouldnt be able to find info on me. The more I ask, the more they speak sternly and say there is nothing they can do. This is crazy because I can get loans, but cant open a savings account. Please help me fix this as they wont do anything.
Product: Debt collection

Ive received a notice of debt collection for toll payments without detailed itemized list. When I pull up any toll pending payments from the state toll agency all past due payments are shown showing no updates that any specific tolls have been sold to debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user of this XXXX XXXX XXXX account and was told by XXXX that this account would report to all national credit bureau 's which includes Equifax. Its been over a year now and have not seen any reporting of the XXXX account. I have attached a document from XXXX in regards to the non reporting of the XXXX account. Equifax please review this document.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding the reporting of late payments on my credit report by Capital One. As a loyal customer of Capital One for several years with no prior late payments, I have recently discovered that there have been XXXX late payments between XXXX separate accounts reported on my credit report during the past XXXX years, coinciding with the COVID-19 pandemic which The federal COVID-19 XXXX declaration began XX/XX/XXXX and ended on XX/XX/XXXX. 

I would like to draw your attention to the Heroes Act, specifically Section 110401, which amends the Fair Credit Reporting Act ( FCRA ) to impose a moratorium on furnishing adverse information during the COVID-19 emergency period and for 120 days thereafter. This means that any adverse consumer information resulting from actions or inactions during the pandemic should not have been reported. 

It has come to my attention that Capital One is in violation of the Heroes Act specifically Section 110401, by reporting these late payments during the pandemic period. As stated in the Heroes Act, any adverse consumer information that is the result of actions or inactions during the pandemic should not be reported. However, the XXXX late payments on my credit report clearly indicate otherwise. 

I am deeply concerned about the impact these inaccuracies may have on my creditworthiness and financial well-being. I urge Capital One to rectify this situation immediately by correcting the inaccurate reporting of late payments on my credit report. Additionally, I request that Capital One take the necessary steps to ensure compliance with the Heroes Act and refrain from reporting adverse consumer information that is a consequence of the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX and XX/XX/XXXX I sent XXXX XXXX a letter requesting for full disclosure and validation of the debt. I have since have received no response from XXXX XXXX or the Credit Bureaus in regards to this serious matter. I'm currently looking to refinance my home. This negative item that XXXX XXXX is reporting has exceed the legal time limit frame to prove that are the legal holder in due course of the account. They have continually disregarded my letters dropping my credit down 50 points for the last several months.
Product: Checking or savings account

My name is  XXXX   XXXX , and my bank number is :  XXXX  I have visited a website called  XXXX    XXXX   XXXX   XXXX  . It says : " free counseling online '', while in fact, it is a lie. It deducted {$150.00} from my debit card  three d ays after since I entered my bank account. I found the information about refund after being shocked at my bank account :  XXXX  :  XXXX  However, before I enter my bank account, I am not informed of it at all. I pretended I am a new customer and visited the website again. I found the member agreement does not mention the policy that is described in this website at all! I did n't know I will be charged after three days if I do n't cancel it and I can not get the refund because this website receives the customer that it 's free and does not mention the policy at all!   This company is :  XXXX    XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   ,    XXXX   Virginia
Product: Debt collection

Sadly, NAVIENT is a very corrupt company that uses deceptive acts and nefarious means to obtain information about consumers, as well as collect on debts NOT OWED TO THEM. NAVIENT has identified themselves as a debt collector. The interesting thing is that I can not recall signing any contracts or agreements with NAVIENT, or being a signer on any contracts with them. I have written to NAVIENT multiple times asking for the ORIGINAL instrument of indebtness where I entered into an agreement with NAVIENT and they have ignored my requests, yet they continue to state that I owe them money on an account that I DO NOT HAVE WITH THEM. This has been ongoing for over a year. They are reporting this erroneous information to the credit bureaus and refuse to delete it. When I disputed it with the three credit bureaus and had it successfully deleted due to lack of proof provided by NAVIENT they reinserted it months later without giving notice ( in clear violation of the Fair Credit Reporting Act ). When I dispute again, the credit bureaus REFUSE to even investigate unless I submit additional proof with my dispute although NAVIENT has not provided me with ANYTHING proving this alleged debt so how am I to prove I do not owe it when they cant? The best part is now their legal department is threatening to possibly sue me, claiming that they made multiple attempts to get in touch with me another interesting accusation since I have written them multiple letters that they have simply ignored, disputed this, asked them about this alleged debt, and I still have not seen an original document to date.
Product: Credit card

CFPB, I ( R have disputed the existence of a charge with Chase on my credit card for account ending in XXXX while I was in XXXX a foreign country. The charge was from a merchant called XXXX XXXX. I only know it is vaguely associated with the hotel XXXX XXXX that I was staying with and primarily deals with gift shop items. 
I do not believe the charge is for real items ( or anything ) that I benefited from in the transaction. My card in XXXX was lost ( I now believe stolen ) ; however I did not notice at first ( I got home XX/XX/XXXX and noticed it was gone shortly after ) as I used my business card for 100 % of my expenses and didnt think about it. {$300.00} USD is an incredible amount of money to spend at a gift shop in XXXX and physically impossible for me to have spent that much and brought any of it home. I did not notice the charge until I got home nor that my JP Morgan chase card was missing. 
I contacted Chase to cancel my card and get this charge un-done on XXXX Chase called me on XXXX  from number XXXX to get more information on this, left a voicemail for me to get back with them, and then immediately sent me this letter putting the fraudulent charge back on my credit card, closing the matter. 
Ive been a loyal customer with JP Morgan Chase for more than a decade plus and have usually been happy with their customer service. However, the way they called me to discuss the issue, mis-represented the resolution process, and immediately closed this case. I humbly appeal to them and the CFPB to undo this damage. 

Thank you
Product: Credit card

I had a 0 % offer that expired on XX/XX/2024. They sent me another balance transfer offer in XX/XX/2024 which I accepted to pay off another higher interest card. I sent {$2000.00} on XXXX XXXX to pay down the first balance transfer offer. I should have had until the expiration of the first offer to pay it, however they applied the entire amount to the new offer I had just accepted. I called to explain that I wanted it applied to the original offer and they would not apply the payment to the old offer " stating they had to apply it to the new offer because it had a higher interest rate ( 4.99 % ). Now I not only paid for balance transfer fees for the new offer, but also did not get to take advantage of the offer because they applied my {$2000.00} payment to it, leaving a small balance on the new offer. In addition I am now going to be paying a very large amount of interest on the first offer because they will not apply my {$2000.00} payment as i requested. This is extremely deceitful business practice!! I should have until the expiration date on the offer to pay it down!! At this point any money I send will be applied to the second offer first, making it impossible to get out out of the very high interest rate ( XXXX ) on the first offer. I am on a fixed income and this will be a hardship for me.
Product: Student loan

For as long as I can remember I've had a direct debit for {$100.00} setup on my student loan. My loan was recently switched over to Navient to be handled and since then I have had issues. I noticed that my XXXX payment amount was different than what had normally been withdrawn for my direct debit. I had not authorized or requested any change in my direct debit amount so I was concerned and called Navient several days after to see what was going on. I was told that they had changed the amount to 'better match when my final repayment date is set for so that the loan would be paid off by then final date '. I was told that the direct debit amount would be changed back to the previous withdraw amount. Then I receive an e-mail on XX/XX/2018 saying it's a reminder that my monthly payment is due soon and reference the dollar amount, which is still incorrect!!! I again call Navient to see why my direct debit amount was still incorrect/not changed back as I requested and was told that it WAS fixed & that I could ignore the e-mail as the next withdraw would be the correct amount, as requested. I asked him to e-mail a letter with this information as confirmation. The letter I received STILL HAS THE INCORRECT INFORMATION IN and NOW HAS A WRONG DATE OF WITHDRAW. And now my XXXX payment has come out and IT IS STILL THE WRONG AMOUNT! I am extremely frustrated and upset as I can not believe this even happened in the first place, let alone that I am still having to deal with it and that IT IS STILL NOT RESOLVED/CORRECTED!