23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX  Consumer Financial Protection Bureau. XXXX Attorneys General Office. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Federal Deposit Insurance Corporation. XXXX Comptroller of the Currency. XXXX Federal Reserve System. Cc Credit and Insurance. XXXX Federal Trade Commission. XXXX State Regulatory Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$62.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX XXXX ( Original Creditor : XXXX SXXXX XXXX XXXX XXXX ) XXXX {$2600.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX Balance : {$9200.00} XXXX XXXXXXXX Balance : {$2800.00}
Product: Student loan

In XX/XX/XXXXXX/XX/XXXX declined my application forXX/XX/XXXX XXXX ) school misconduct ( private loans ) loan discharge even thought I met all the criteria required and they contacted me to apply. I went to the now defunct school (XX/XX/XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXXduring the time period in question and was steered into the Sallie Mae ( now Navient ) predatory loans and offered the same predatory repayment plans. Navient did not give a reason for my denial. 

In XXXX Navient also denied my petition for forgiveness of private student loans under a separate settlement ( https : XXXX ) with my home state of XX/XX/XXXX Again, even though I went to the stated for profit university, during the right years and was steered into predatory repayment plans, Navient did not forgive my loans because I was not in default status ( a requirement of the settlement ). I informed Navient that at the time I had a security clearance and as such could not be in a default status on any loan. This was the only way to keep my job and make enough money to make my interest only payments on the predatory repayment plan they gave me - a real catch XXXX. Navient said that although I met all the other criteria of going to a school that defrauded students, has now closed, and put into repayment programs designed to keep me in debt that they were not going to discharge my fraudulent loans because I was not technically in a default status. The repayment program I was not would never and has not touched the principal balance since XXXX.
Product: Debt collection

I received an email from Trueaccord about a debt that I never owned. I called them to dispute the information and they asked me for my last 4 digit SSN saying that they need that information to access the account. I made a mistake and gave them the information. In the end, I was told that the debt was not mine and it was an error. However, I did give away my last 4 SSN. What should I do now?
Product: Credit card

I applied for the Discover IT card and was denied on XX/XX/XXXX. The agent I talked to that same day told me my credit application was n't even reviewed because I had applied for a duplicate card, and that if I applied for a different version of the card, I 'd be approved seeing as everything else was okay, such as waiting 12 months inbetween cards. I applied for the second card and was denied again. I was given misleading information that lead me to believe I 'd be approved, if I would just re-apply. I want XXXX of these duplicate inquiries, that adversely affect my credit score, to be removed. Multiple attempts to contact Discover over the last three and a half weeks have yielded no use.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late ! I have had exceptional payment history witH XXXX  XXXX 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 60 days 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNever 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 XXXX
Product: Vehicle loan or lease

I have made payments accurately and Prestige is reporting late or missing payments when I reached out they clarified that all payments were on time and that they reported accurately. The did deem it as a system error but still not have reflected the error on the credit reporting by updating the information so it does not show mission or late payments. However thats not the case and we reached out for them to fix but no response. I would like this updated or financial compensation for credit reporting damages on my good credit. The reporting shows for late payments XXXX for XXXX XXXX and XXXX, and late payments in XXXX for XXXX. My account number in reference is XXXX for Prestige. I would like an accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to Wells Fargo dealer services ( Account # XXXX on many occasions, and to know avail nothing was done, This Wells Fargo account is still on my credit report as closed and not off my credit report. 
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 U.S.C. 1681 This company has violated my rights 15 U.S.C. 1681 section 602 A,, States I have the right to privacy, 15 U.S.C. 1681 XXXX in 604 A section 2. It also states, a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer reports containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates The report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is incorrect, Wells Fargo dealer services the company above added on insurance that was illegal on their behalf. Yes, they fix the problem closed out the account and called themselves taking it off my credit report but it shows closed but still on my credit report since 2015 when it should be off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX   XXXX, XXXX XXXX  XXXX
Product: Mortgage

Paid up with Bank of America. Have proof. Have proof of insurance scam. Have proof of forged documents.even have them on tape admitting that what they did was a mistake. Went to Sen XXXX in Delaware. Had all proof .They worked WITH BOA. Saying they would help. But stood by and did nothing.My husband was AT the XXXX XXXX in XXXX. To hear about the XXXX XXXX in protecting XXXX buildings and hear bullets zing by hitting the building. BUT you have to stand there because you are a XXXX. XXXX XXXX. he served and still had to leave his home after 12 years. Why because of the country Wide, BOA mess. And no one wants to help in Delaware.Please help us. XXXX XXXX XXXX XXXX XXXX XXXX We have proof. in writing and on tape.
Product: Credit reporting or other personal consumer reports

In reviewing my credit report, I have identified certain information that is reported incorrectly. Please make sure that the only information being reported on my credit is the information listed below. 
*My name is XXXX XXXX XXXX XXXX name is : XXXX XXXX last name is : XXXX XXXX Social Security number is : XXXX *My address is : XXXX XXXX XXXX, XXXX, FL XXXX *My date of birth XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert for XXXX XXXX XXXX, a collection from Phoenix Financial in the amount of {$510.00} for a medical bill was put on my credit. I immediately called them and spoke with someone trying to verify my information. Unfortunately they asked if my name was XXXX XXXX, I replied no it is XXXX XXXX XXXX, then she continued to ask me if to verify my address, well I guess XXXX XXXX lives in Colorado, I live in California and finally I was not born in XXXX. The lady proceeded to tell me they were in the wrong and I need to file a police report???? I have disputed this issue with XXXX and they found the dispute in the collection agency 's favor. Outrageous!!!! Please help!
Product: Credit card or prepaid card

American Express XXXX just closed my account XXXX days ago without giving me XXXX single reason. I tried to know the reason, but I failed to know why. I have been a loyal customer since XXXX till today. Never missed a payment, and I always pay on time. I have a high XXXX XXXX. Had almost XXXX in rewards miles, and paid off the balance every month. Would n't give me any specific reason. I 'm furious! Is this because they have n't made interest off of us in all XXXX years? Is that how they treat their loyal customers? I really feel disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/ExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the inaccurate information such as wrong address, account history, dates, late payments and remarks are an 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 consent. 

I pulled my credit report and was able to see all inaccurate information such as addresses, account information, remarks and dates and asked them to be removed, Experian failed to comply after writing and sending my 609 dispute letters on XX/XX/2022 as well as sending a letter of verification on XX/XX/2022 after send a letter of demand and comply I have not received verification of method used the information has not been removed. It's been over the day that I asked to have this resolved and they failed to comply.
Product: Debt collection

I am submitting a complaint against Credit Management Company for their failure to validate a medical debt they have placed on my XXXX credit report, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2.

Details of the Complaint : Credit Management Company has reported a medical collection account on my XXXX credit file, which I have no prior knowledge of and do not recognize. 
I disputed the debt and sent a debt validation request via certified mail, which they received over 30 days ago. 
Under FDCPA 15 U.S.C. 1692g ( b ), they are required to cease collection efforts until they provide proper validation of the debt, yet they have failed to do so.

Despite their failure to validate, this account remains on my credit report, which is a violation of FCRA 15 U.S.C. 1681s-2 ( b ), as furnishers of information are required to ensure maximum possible accuracy and properly investigate disputes. 
Since this is a medical debt, it should not be reported under recent CFPB and XXXX guidance, which restricts reporting of unverifiable medical debts to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquires in my XXXX and Transunion credit report that i did not authorized. 
my identity was stolen. on my XXXX report I have XXXX inquiries which are : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX these inquires i did not approve and in transunion were : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX as you can see they are a lot or a lot of repeats that they try to get credit cards also they have me under XXXX XXXX and XXXX XXXX my last name is XXXX and I have never request credit cards loans under those identity. 
all I am asking is for those inquiries to be removed. 
thank you
Product: Debt collection

CFPB marked my complaint Against Bank of America, NA as a Duplicate, failing to understand that Bank of America essentially is attempting to collect a Fraudulent Debt by transferring or selling said Fraudulent debt to XXXXXXXX XXXX during the CFPB investigation. 

( # 2 ) Bank of America caused the downgrade of my Credit score because of their wanton disregard for the truth for profit because of the fraud reported in my complaint and to BofA and Law Enforcement. 

( # 3 ) Bank of America is demanding and forcing me to work for free, fixing the problem they ( Bank of America ) caused due to their Gross Negligence in their investigation to my complaint despite their reversal and accepting my claim. I fulfilled my obligation immediately reporting the Fraud and should not be coerced to work for " FREE '' as if I were a SLAVE... 

( # 4 ) Section 1053 of the Dodd-Frank Act authorizes the Bureau to conduct administrative adjudications to ensure or enforce compliance with ( a ) the provisions of Title X of the Dodd-Frank Act, ( b ) the rules prescribed by the Bureau under Title X of the Dodd-Frank Act, and ( c ) any other Federal law or regulation that the Bureau is authorized to enforce. 12 U.S.C. 5563 ( a ). Ignoring the fact that BofA is requiring me to work for " FREE '' is a violation of my Civil Rights and not redundant.
Product: Credit reporting or other personal consumer reports

I have called capital one several times to try and get the hard inquiry off my report I did not have any knowledge of applying for credit card in the past I only recently applied for one n I got approved I have 5 hard Inquiries that's not mines I even wrote u to ask for them false reports off my XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX need to b removed
Product: Credit card or prepaid card

Hi there, My new XXXX XXXX XXXX has an advertised perk of earning 4x Membership Rewards points per dollar spent at US restaurants and grocery stores. 

I have a handful of XXXX charges made at restaurants, that I am only receiving XXXX Membership Reward point per dollar spent. 

1 of these restaurants is coded as a " grocery store '' ( which should still earn the XXXX points ), and the other XXXX restaurants are coded as " restaurants '' but for some reason are not earning the points. 

I contacted American Express via chat and phone starting on XX/XX/XXXX, and have since emailed and called with them several times since then. Each time, they say they are " investigating ''. 

Here are the charges from XX/XX/XXXX : XX/XX/XXXX XXXX XXXX XXXX ( either a cafe or a grocery store ) XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX {$210.00} XX/XX/XXXX XXXX {$170.00} XX/XX/XXXX XXXX XXXX   {$52.00} Thanks, XXXX
Product: Credit reporting or other personal consumer reports

This is an investigation that includes additional supporting documentation. I also have an attorney looking into this matter, and will be providing additional supporting documentation requesting that these items be removed from my credit reports in XXXX business days. I have had a data breach issue and trafficking, all legal documents and proof of sworn affidavits have been given to Experian and they have failed to comply with removal of all items within the XXXX business days.
Product: Credit card

I am experiencing issues with the Amazon Store Card managed by Synchrony Bank. Due to being out of the country ( United States ) from the end of XXXX to XXXX, I was unaware of a new Amazon Store Card account being opened in my name in XX/XX/year>. To my knowledge, I never requested this card, and I did not receive it physically. 

In XX/XX/year>, I noticed a charge for an Amazon XXXX membership on the account, despite not being in the country or needing this service during my absence. I believe this charge may have been processed by mistake.

Since returning, Ive attempted to access the Synchrony Bank payment portal to resolve the account, but I am encountering multiple roadblocks : 1. Lack of Access : Without having the card physically, I am unable to retrieve the account number necessary to log in or reset my account credentials.

2. Inaccessible Support : Synchrony Banks website does not disclose a customer service phone number or email, making it difficult to reach out for assistance, especially while I was out of the country.

3. Limited Payment Options : Synchrony Banks website includes a pay as guest feature, which would typically allow payment without logging in. However, without access to the account, this feature does not appear usable, effectively making the balance inaccessible and accumulating further fees.

These factors have created a frustrating situation, where I am being charged for a service and accruing late fees on an account that I did not open, do not possess, and can not access. I am reaching out to request assistance in addressing these charges, gaining account access, and ensuring this does not impact my credit history.

Actions Taken Attempted to contact Synchrony Bank through its website for help with account access and payment.

Attempted to locate an accessible contact number or email address on Synchrony Banks website without success.

Amount Charged A charge for an Amazon XXXX membership, approximately {$16.00} was made in XXXX, along with subsequent late fees. 

Additional Detail : The email related to the Amazon Store Card account setup was not flagged as an important or official notice in my inbox, making it appear similar to spam. This lack of visibility led to me overlooking it, contributing to my unawareness of the new account and the associated charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

They logged me out and wont let me into my account it was SUPPOSE to be money deposit to a account that I don't have a card to so I tried to get my money transferred but now it's not NOTHING there and my account is LOCKED
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was information was involved in the Equifax hack
Product: Credit card

I am on an account as the owner. I never owned this credit card account from Chase.