23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

In XXXX of 2014 I opened a Home Equity Line of Credit at BB & T in XXXX Ky. On XXXX XXXX of 2014 an Assistant Loan Officer at BB & T signed my name along with her own to a Line of Credit Advance and in turn deposited {$2000.00} into her personal checking account. On XXXX XXXX, 2014,  the same individual signed my name along with her own to a Line of Credit Advance and transferred {$3000.00} to her personal credit card account. I filed a report with the XXXX Police and the XXXX County Attorney. I also filed a complaint with the Ky Attorney General 's office. I spoke with local officials with BB & T who stated I would need to get an attorney. I recently spoke with the VP of BB & T 's Complaint Department that is supposed to be investigating the theft and getting back in touch with me. The last conversation was 2 weeks ago without any contact since.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681, section 602, it is stated, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Experian, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared, which is backed by 15 USC 6801, which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681, section 604 ( a ), subsection 2 states, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, the financial institution, and the Consumer reporting agencies, Experian, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting, again, without my permission, which violates the law. 15 USC 1681s-2 ( A ) ( 1 ) states, 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. 15 USC 1681e states, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian, and XXXX are not maintaining reasonable procedures. As a further note, 12 CFR section 1016.7 states, A consumer may exercise the right to opt out at any time. I am option out of your reporting services.
Product: Credit card

I am writing to file a formal complaint against Apple Card by Goldman Sachs regarding a series of unauthorized actions and subsequent mishandling of my dispute, which has caused significant financial harm and frustration. 
On XX/XX/XXXX, I used my Apple Card to purchase a phone from XXXX XXXX XXXX with a fourteen-day return policy. However, on XX/XX/XXXX, an XXXX XXXX XXXX employee accessed my AT & T mobile account without my authorization, and changes were made to my account. As a result, AT & T took the phone I had paid for with my Apple Card and refused to return my money. 
I attempted to resolve this issue with XXXX XXXX XXXX several times but could not find a resolution. 
Consequently, following the Fair Credit Billing Act ( XXXX ), I disputed the transaction on my Apple Card. Unfortunately, Apple Card by Goldman Sachs refused to credit my account and failed to provide adequate reason or evidence for this action. Additionally, they reported a derogatory mark on my credit profile, which has severely impacted my creditworthiness. 
As a result of this inaccurate and unlawful reporting, I was denied a financial service that I had worked hard to receive over the past several years. On XX/XX/XXXX, I sent a dispute letter to Apple Card by Goldman Sachs, but they failed to acknowledge, investigate, and respond to my dispute. Instead, they reported the disputed amount as delinquent to all credit bureaus, violating the Fair Credit Reporting Act ( FCRA ) and deliberately causing further financial damage and frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is  verified, but I do not know nothing about this company and has asked it be removed several times.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies on my credit report. Despite previous disputes, XXXX has failed to address these issues, including the presence of inaccurate personal information and unauthorized accounts. I demand resolution and removal of these inaccuracies within 4 days. 

1. Personal Information in Dispute : The following names listed on my credit report are inaccurate and do not belong to me.These names are not associated with me and must be removed immediately. Continuing to report incorrect names is a violation of the Fair Credit Reporting Act ( FCRA ), as it fails to ensure accurate consumer information. 

1. Account Details in Dispute : XXXXXXXX XXXX XXXX : This account, currently marked as a collection account, is ineligible for reporting. XXXX XXXX XXXX has been banned by the Federal Trade Commission ( FTC ) from participating in any debt collection business under a federal court order. Despite my dispute, XXXX has failed to remove this account or provide valid verification of this debt. Continuing to report this banned entitys collection is unlawful and violates FCRA provisions. 
XXXX XXXX XXXX : Despite my dispute, XXXX marked this account as verified, but failed to provide documentation of the investigation or any substantive findings. 
XXXX XXXX. Similarly, this account remains inaccurately reported, and no valid proof has been shared to support its accuracy. 
XXXX XXXX XXXX XXXX : This account does not belong to me. I dispute its inclusion in my credit report and request immediate removal as it is inaccurate and unverifiable. 

2. Violations of FCRA and Experians Obligations : Under the FCRA, XXXX is required to : Conduct a thorough and meaningful investigation of disputes ( 15 U.S. Code 1681i ). 
Remove or correct inaccurate, incomplete, or unverifiable information promptly. 
Notify consumers of dispute resolutions with sufficient clarity. 

XXXX continued reporting of these disputed accounts without proper verification, and its failure to correct or remove inaccurate entries, directly violates the FCRA. Additionally, continuing to report a banned debt collector like XXXX XXXX XXXX shows disregard for FTC enforcement and FCRA standards.
Product: Student loan

1 ) After XXXX transferred my loans to MOHELA around XX/XX/XXXX, my interest rate shot up from 8 % to a variable rate between 14.5 and 19.875 % on all my loans. MOHELA says my Rate Reduction program expired, but it did not expire until XX/XX/XXXX. So, this increased interest has capitalized and increased the balance of my account. I have the emails and screenshots to show deadline and increased balance. 

2 ) I received emails from MOHELA to renew my Rate Reduction program, but could not get the online form to work. When I called in to renew, the associate was no help at all and was merely repeating talking points that didn't quite make sense. Finally, was told to call back in XXXX when my next bill is due and that " will help. '' I have no idea how this is supposed to help. 

Bottom line is that my loan balances are skyrocketing because 1. They applied the variable interest rate one month before they should have. and 2. I can not renew my Rate Reduction -- or get any help with other types of repayment plans -- and the associates have not been able to tell me why or direct me to someone who can.
Product: Debt collection

XXXX XXXX XXXX : XXXX ACCT # XXXX [ PORFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX VA XXXX ] According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. Thanks,
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DONT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I applied for XXXX XXXX XXXX on XX/XX/2023 and received a hard pull. The company was XXXX. Then on XXXX XXXX I received another hard pull credit check from this XXXX XXXXy stating I opened a credit card but I didn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$13000.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$850.00}
Product: Credit card

Applied for XXXX cards at the same time ( same day ) from JP Morgan Chase Bank. Both cards were sent to pending status with a 7-10 day wait for approval. Called both reconsideration lines and was given approvals over the phone. 

Upon receiving my accounts / cards, XXXX of the XXXX approvals was significantly less than stated over the telephone with the card services department. I called to speak with the card services department again, who passed me around multiple departments without resolution. No one could give me a clear answer other than telling me they could n't do anything about it. I finally escalated it to the Executive Office who stated that they would look into it. 

Executive office rep stated that they did make a mistake in telling me the approval amount over the phone after listening to the phone calls, and that the approval was cut given the approval of the other card. The option they gave me were to make another inquiry against my credit ( after just making XXXX, XXXX of the personal card, another for the business card ), which they claimed they could " mask ''. I explained to them I was n't comfortable with that, so they would discuss internally if anything could be done. 

I explained to them that I just wanted them to stand by what they said. After going back and forth, no resolution could be made within the company without making another inquiry to request for a " credit line increase '' vs. giving me the line of credit they stated ( and acknowledged that they made a mistake of giving me the amount over the telephone ). 

My issue is with setting expectations - to tell someone one thing and then have it be another, and then admit to making a mistake but not being able to rectify it / own up to it, is misleading. I also explained to them that they gave me the full approval on the card with the annual fee but gave me a short approval on the card with no annual fee, essentially making it so if I wanted to keep the line of credit available, I would be required to pay. 

As a loyal customer with multiple cards through the bank, as well as being in good standing / good credit / not carrying balances, I find it hard to understand why a company would say one thing and do another.
Product: Debt collection

On XX/XX/year> a debt validation was sent to Resurgent Capital Services and was received on XX/XX/year> certified mail. No response of validation was recieved.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

I had my card stolen while I was on XXXX XXXX, there was {$600.00} worth of charges on my account. Wells Fargo said because its places Ive spent money before ( groceries ) that they will not accept the claims.
Product: Debt collection

Hello and thank you for reviewing the complaint. After reviewing my credit profile an unfamiliar account from Sunrise credit services was placed on credit profile. Requesting to exercise my rights according to FCRA guidelines, to verify the signature and validate the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report should be blank because I have never used my information to obtain any credit whatsoever. I found a medical debt from Carter-Young INC on my credit for {$80.00} which I do not know anything about. I disputed it with the credit bureaus but the fraudulent debt is still on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

there has been some misuse to my credit file and there are some unauthorized hard inquires on my credit report.
Product: Debt collection

On XX/XX/year> I sent a request to LVNV Funding LLC asking the company to send me a validation of the debt or a contract with my wet signature. I have not received either. This debt or account is not mine. I have been a victim of identity theft and my information has also been leaked in at least two data breaches in the past 5 years.
Product: Debt collection

I used to get XXXX supplies from this company, but when my insurance no longer covered the expense we contacted the company by phone and asked to stop delivering. We ended up moving and unbeknownst to me, they delivered another package of supplies at the old address that was not forwarded and I never received. When I got a bill for the delivery, I wrote them and told them that I did not receive the supplies and also that I had phoned them before that and told them to stop delivering. This collection agency is now trying to collect AND they put it on my son 's credit report as well.
Product: Credit reporting, credit repair services, 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 : XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 if the person knows or has reasonable cause to believe that the information is inaccurate. I have Also filed a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

All of this information is listed on my credit file and is in error. Per the Credit Act of 2020 section 401, this should be removed as I don't have agreement or contracts authorization these inquiries. I've checked with the bureaus and they are unable to validate but refused to remove. 

XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX/XXXX  XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX/XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I graduated college around XX/XX/XXXX I currently tried my best to make sure my credit was as clean as possible and fixed in order to eligible for an apartment. I noticed near XXXX XXXX or toward the end of XXXX that when I was reviewing my credit report I noticed there was XXXX XXXX XXXX XXXX on my credit report. Which was a credit card I never opened up at all. I noticed there was a late payment on my credit report that affected my score and it answered all my questions from before on why I never got approved for an apartment previously. I spoke to the XXXXXXXX XXXX XXXX myself and they closed the account and told me they were sorry and that they would have send me a check because thats an issue they should have caught themselves. Thats when I filed for a dispute and later thought they would have handled the situation but found out that it was denied by the XXXX XXXX XXXX creditor because when I spoke to XXXX and the rest of the bureaus they never mentioned I needed a police report for identity theft. At the time I didnt know this would be considered fraud and now XXXX XXXX XXXX currently at the same position again starting from square one because I was told that this would be off my credit report but it hasnt been solved the entire time due to misinformation and lack of care. During this time I filed for XXXX disputes XXXX for XXXX XXXX XXXXXXXX to let them know I paid my balance and that it should be off my credit report then the dispute for self lead bank revolving a credit card I never used which is identity theft. Overall I really do appreciate the people under XXXX and the rest of XXXX and XXXX for trying to help my case. In advance what would help is just knowing information so this could be corrected to avoid someone else misfortune because of someone else actions.
Product: Vehicle loan or lease

Last year I purchased a vehicle from XXXX XXXX. I found a vehicle of my interest and selected a XXXX XXXX XXXX XXXX. I placed a {$8500.00} cash down payment up front. As I read over my document today XX/XX/XXXX I noticed that it says the total cost of your purchase on credit, including your down payment of {$8500.00} I did not pay with credit I payed with % XXXX cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX, Equifax and XXXX were XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX NA Inquiry Date XX/XX/XXXX, XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting

I get an account with XXXX Bank with XXXX balance who supposed to be closed on XXXX and still showing open with all my XXXX credits bureaus.