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

XXXX, Equifax, XXXX, Have all caused me hardship. Great financial hard ship. Someone stole my purse and got all of my cards and ID. They got tickets in my name. They used my credit cards, made them filled to the limit. Some amounts were taken down by the credit companies but I have still been struggling to catch up. I have paid credit repair and credit monitoring services to help me. That's extra money I cant afford as a single mom. I have not been able to get my credit right with them in years which cause me to pay extra for everything. Not only have I suffered but my kids have too. It's been a nightmare. I see credit inquires on my report that I didn't give permission for. I'm a 100 % XXXX veteran suffering from XXXX and the credit reporting agencies have pushed me into complete financial ruins and XXXX. They are reporting information on my reports totally incorrectly. I have had XXXX 3 times which brought me down. I'm requesting that the report my information accurately so that I will have a chance to survive and quit struggling. I am staying with relatives, me and my children because I cant get approval for her home due to the inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer law state all XXXX XXXX XXXX must be accurate and XXXX in XXXX. Transactions and experiences are not included in public information. Including utilization and payment history. Which should include soft and hard inquiries
Product: Checking or savings account

On Thursday, XX/XX/2023, at XXXX XXXX XXXX, I contacted ( via the web-based message center ) Bread Savings ( Comenity Bank ) requesting copies of my joint savings account statements. I elected to receive electronic statements when I opened the account last year. The statements are supposed to be housed in the Documents section of the online Dashboard for my account. However, no statements appear in the Documents folder, nor are the joint account statements anywhere to be found on the website. 

At XXXX, a Bread representative responded, via the message center, that I can retrieve the statements from the Documents section of the online Dashboard. I pointed out that they were not there, and at XXXX, the Bread representative responded that the statements would be uploaded to the message center for my secure retrieval. I will receive them, the representative said, in XXXX business days. To date, I have yet to receive any statements for my joint account. 

On Sunday, XX/XX/2023, I received ( for the second time ) a message from the Bread representative saying that my joint account statements could be found in the Documents section of the online Dashboard. As before, the statements were not there. 

On XX/XX/2023, I again inquired through the message center as to where the statements are, and why they were not in the Documents section of the online Dashboard. 

On XX/XX/2023, I received a message response from the Bread representative, that they are available to the primary account holder. Interestingly, I am the primary account holder, and the statements remained missing from the Documents section of the online Dashboard. This same day, I phoned Bread, and spoke with a representative who told me he would submit a request for my statements ( which I should have in XXXX days ), and would submit a tech ticket to have my Documents section populated with the statements. 

It is now XX/XX/2023. I still do not have my joint account statements, either through the message center or available in the Documents section of the online Dashboard. 
I am filing this formal complaint against Bread XXXX XXXX  for its failure to timely provide me monthly account statements for my joint savings account.
Product: Credit card or prepaid card

Citi bank sent me a letter stating : We've reviewed your Costco Anywhere Visa account since it's expiring soon. We're unable to send you a new card due to a bankruptcy or a charge-off on another credit card account issued by Citi I checked my CR with XXXX. There is no other account from Citi Bank and there is no Bankruptcy. 

Citibank refuses to disclose the exact reason and have denied my request to review, again without stating the reason as to why they can not renew my Costco Anywhere Visa.

In addition, with their decision they will take away my Costco reward of {$230.00}. 

How can CitiBank refuse renewal without disclosing to me as to what the reason is?
Product: Student loan

Several times, Leif has falsely claimed that I owe them money or that I am in breach of my contract. 
Neither is the case. I'll start with them trying to claim money from me. I signed an Income Share Agreement ( ISA ) with XXXX, a coding bootcamp based in XXXX, UT. The agreement presented to me was that I would not have to pay my {$12000.00} loan for the course until I found a job in a XXXX XXXX position earning at least {$40000.00} a year. That was in XXXX of XXXX. To this day, I still earn far less than {$40000.00}. However, that has not kept Leif, the financing company XXXX used for our ISA from trying to claim money from me. Earlier this year, they claimed that I owed them over {$600.00} for the month of XX/XX/XXXX because I supposedly earned more than {$3300.00}. This simply wasn't the case. I receive 2 paychecks a month on the XXXX and XXXX. However, if one of those dates falls on a weekend ( as did the first of XX/XX/XXXX ), I receive my paycheck the preceding Friday. So, I received my paycheck for XX/XX/XXXX on XX/XX/XXXX. Leif requires you upload your pay stubs to their site, and it should be obvious to them that I did not earn more in XXXX given that, one, I received my " 3rd '' paycheck on the last day of XXXX, and second, that I was only paid once in XXXX. I addressed this with them and they initially refused to amend my status, but conceded after some persistence, saying they'd make " an exception ''. They suggesed my employer, XXXX XXXX change their payroll policy to comply with Leif. 
The second issue I have with this is that they were willing to charge me as if I was earning {$40000.00} when it was clear from my annual tax report that I was earning close to half of that. 
Recently, the XXXX of XXXX, XXXX, Leif claimed that I was in breach of contract and would have to pay not just {$12000.00} as agreed, but {$24000.00} in full because, first, my pay stubs were not up to date, and second, I hadn't submitted a proper offer letter from XXXX XXXX. I have been working for XXXX XXXX for nearly 2 years, and as of today ( XX/XX/XXXX ) am completely up to date with all my pay stubs. Yet their site still says that I am not. As far as the offer letter goes, it should be obvious to Leif that I am working there since they have all my pay stubs from them. But that's not the problem. The contract I signed does not stipulate that they need an offer letter from my employer. It is my suspicion that they are simply looking for ways to take advantag of me in order to get whatever money they can from me. There was a similar pattern with XXXX trying to claim that certain non-technical jobs qualified for the ISA. I believe there have already been class-action lawsuits filed against both Leif and XXXX for these reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans have a late status from XX/XX/XXXX - XX/XX/XXXX. I was granted an administrative forbearance in XX/XX/XXXX for the months of XX/XX/XXXX - present. I have requested to have the bureaus change the late status on each account to reflect the granted forbearance but have been unsuccessful.
Product: Debt collection

This debt does not belong to me. This new company has it listed I have called them repeadelty the number on listed on my credit report is disconnected this is a result of identity theft
Product: Credit reporting or other personal consumer reports

I disputed this it is incorrect and should not be on my credit report I have gotten taken off with XXXX but XXXX and XXXX is inaccuratly reporting and I would like to have it removed as well it is no longer reporting on XXXX the only two still reporting is XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these listed accounts have violated my rights : XXXX XXXX XXXX XXXX Account number XXXX XXXX, XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting Act, these listed accounts have violated my rights : XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX, XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

it is a wrong report about a home owner line of credit was paid in full and closed 3 years ago for XXXX XXXX XXXX XXXX in North Carolina. The company experian report this account like closed but no paid in full.
Product: Money transfer, virtual currency, or money service

I have over {$1000.00} worth of XXXX Robinhood is not letting me access. They don't respond to XXXX, and there is no phone # to call. Filing a complaint to because a few months ago, they " froze '' {$10000.00} worth of my money with mo explanation. Took weeks to get it unfrozen. Don't want that to happen here. XXXX online, seems like robinhood has a pattern of doing this to clients, with XXXX explanation or resolution.
Product: Debt collection

They have sent multiple letters regarding a debt they claim to have acquired and are now attempting to collect from me. However, I have no prior knowledge of this debt or its validity
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 U.S.C1681 Account with commercial acceptance co Account with commercial collection service 15 u.s.c 1681 section 602 A. States I have the right privacy.

15 U.S.C 1681 section 602A section 2 it Also states a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681c ( a ) ( 5 ) section states no consumer report containing any of the following items of information any other adverse item of information other than the records of convictions of crimes which antedates the report by more
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX   ; XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX and XXXX/XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't 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 section 2 states that " 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 XXXX XXXX, Equifax 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 XXXX, Equifax, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the 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 seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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 U.S. Code 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 XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove fraud alert from credit file XXXX  Transunon XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. this list of inquiries below has violated my federally protected rights to privacy and confidentiality under XXXX XXXX XXXX. The listed inquiries are also unauthorized and unverified. 

XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX  XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX  XXXX  inquired on XX/XX/XXXX XXXX XXXX  inquired on XX/XX/XXXX has XXXX 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 an account without written instructions. 15 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You Court House Tracking Number XXXX First Round Dispute XXXX XXXX XXXX  XXXX Transunion XXXX Second Round XXXX   XXXX XXXX  XXXX TransUnion XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lag posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices weee transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Student loan

The last check I received from my job was {$19.00}. Because I am getting a certification and they took money out of my check. That is just an example of how unstable my finances can be at times. On top of that I still have to pay my rent and my bills. I tell Sallie Mae that I can not make a payment. They begin harassing me, calling me multiple times a day. They even began calling family members, distant family that arent even really related to me by blood, and have even asked about someone in my family who isnt even alive!!! The harassment and disrespect have gone above and beyond in my opinion. Calling me after XXXX XXXX  also. Trying to use my number to fill their quotas, at this point Ive been put in emotional distress over it and have chosen to consult a lawyer.
Product: Debt collection

Bill was to be paid by insurance due to car accident. Received notice that insurance did not pay and so I made arrangements to pay company directly. Balance was paid in full to the company that I received service from. Collection agency was not involved in payment and should not have reported on my credit. Original creditor agreed to contact collection agency to remove any negative marks due to them reporting on my credit inaccurately.
Product: Debt collection

The law was pass by president joe Biden and the CFPB that they can't but it on your credit report no more and that there can't be no point taken away they are just doing this to be nasty people the law says they have to remove them I want it removed now
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or remove. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXX  & Account number ( XXXX ) : XXXX, XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I had two XXXX XXXX  promotional balances on my credit card account. One ending in XX/XX/XXXX and one ending in XX/XX/XXXX. I needed to make a couple of large purchases ( totaling about {$12000.00} ) on this card, which would have been at the standard APR ( 25.24 % ). 

My understanding is that credit card companies are required to apply payments to the highest APR balances, so I made the purchases and then waited a few days for the transactions to post to my account. I then submitted a payment that covered my monthly minimum payment requirement AND the new charges so as to avoid paying interest on the new charges. 

When I received my next statement, the payment I made was applied to my XXXX XXXX promotional balances and I was charged interest on the new purchases. I am now told I will be charged interest every month at XXXX XXXX APR on the purchases unless I make another {$12000.00} payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX notified the credit agency and XXXX XXXX XXXX that they were removing the listed debt from all reporting and were no longer seeking payment for the debt. Several notices have been sent to the company asking to remove this innacurate debt from my file. I do not owe this debt. XXXX  has not been able to present any documentation from XXXX XXXX XXXX stating that I still owe a debt to XXXX XXXX XXXX.
Product: Debt collection

An amount near {$1200.00} as a debt collection was placed on my credit report. This dates back to around XX/XX/2021 I believe. i had no knowledge of the account. I did not sign anything or authorize this account to be my responsibility and it is not rightfully mine or my responsibility to pay. I have filed police reports to launch an investigation. I have filed disputes and sent letters to all credit bureaus to resolve this issue. They have not provide any solid information to show that this is my debt and that I lived at this location. this is fraud