23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX 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 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.
Product: Credit card or prepaid card

A charge of nearly {$3000.00} appeared on my Barclaycard statement, which I received in XXXX but did not immediately review, as I have a XXXX balance with no purchases on this account. In mid XXXX, 2020 I wrote to Barclaycard, at the address provided on my statement, to dispute the listed transaction. To date, the company has not responded, other than to report very negative remarks on my credit report for three successive months, thus causing me to lose more than {$10000.00} in existing credit from a merchant with whom I have had an impeccable A+ relationship for many years. 

I called the company, at the number listed on the my statement, in mid XXXX to inquire about the dispute and negative credit reporting. The customer support person began by explaining that with the recent public health concern they did not have time to investigate disputes. I told this person that the bank still had time to perform all of it's other functions, like reporting false account information to the reporting agencies, and that investigating a dispute was not an activity at risk. I also informed this person that his attempt to hide incompetent or illegal bank activity behind a public health crisis was offensive to me.The customer support person then hung up. I therefore received no useful information based on my phone conversation with the bank 's representative. 

The bank is clearly operating illegally as I timely and correctly delivered my dispute to the appropriate address, made an attempt to follow-up and to date have yet to have the transaction treated as " in dispute ''. All of my existing credit has been taken away due to the false reports that Barclaycard is making on my credit report.
Product: Credit reporting

There were XXXX items that still appear on my credit reports after receiving confirmation that they were deleted. I received confirmation that these items have been deleted as well and they still are appearing inaccurately on my report. It is also a violation of the FCRA to re insert items previously deleted without notifying me within 5 days of its reinsertion. I demand that these items be deleted before proceeding. 

I have attached the deletions record from you as well as my ID
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} Barclays Bank Delaware XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A
Product: Checking or savings account

Bank of America is allowing transactions to post even when an account has a negative balance so they can collect NSF charges. A honest bank would deny the transaction ( s ) preventing customers from being charged a NSF fee. This remedy is better than me having to call and demand the fee reversal.
Product: Credit reporting or other personal consumer reports

This my refilling of my complaint to WELLS FARGO BANK CAR for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken even if I sent out so many dispute and explanation letters regarding these accounts. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found proof that some inaccurate information was being reported. The following alleged collection/charge off accounts have a pass due balance. This is a violation of the 15 USC 1681 ( e ) B. XXXX  XXXX on XX/XX/2022 Paid the charge off.XXXX  XXXX XXXX on XX/XX/2022 The Charge Off was paid off as well. Gemb/Amazon Charged off account with a balance of XXXX. I requested a 1099c and i never received one. XXXX XXXX, Charged off account witha balance of XXXX. I requested a 1099c and i never received one. XXXX XXXX is reporting a charge off of XXXX. I requested a 1099c and i never received one. XXXX XXXX XXXX in reporting a charge off with a balance of XXXX ( from XXXX XXXX ). I requested a 1099c and i never received one. XXXX XXXX XXXX a collections account with a balance of XXXX
Product: Checking or savings account

Huntington bank offered a promotion of {$400.00} when you open an account and receive direct deposit if {$500.00} or more. Unfortunately the terms and conditions were deceptive as you must have your account for 60 days. I have called twice to confirm the promo was on my account which both advocates has advised me I would receive it on XX/XX/XXXX. Here today on XX/XX/XXXX I have not received my promo offer. 

Huntington used a deceptive practice to obtain account openings to not follow their own terms and conditions.
Product: Checking or savings account

I originally began the process of closing my checking and savings accounts with Bank of America on XX/XX/XXXX. They were able to close my savings accounts, but the phone representative alleged that they could not close my checking account due to a pending hold. I requested that a complete lock be placed on my account to prevent any further charges from being processed, and the Bank of America representative agreed and confirmed the hold was placed. I was informed that once I had no pending charges for a period of 10 days, I could close the account. At this time they also placed a hold on my account for {$100.00} ( the remaining balance in that account ) in order to " zero out '' my balance in preparation for account closure. 

Two days later, on XX/XX/XXXX, Bank of America permitted a charge through from XXXX for {$39.00}, sending me into a negative balance due to the hold Bank of America placed and charging me a {$35.00} overdraft/returned item fee. Permitting this charge through was in clear violation of the hold I had placed on the account, and seemed to me to be a retaliatory action for attempting to close my checking account by punishing me to the tune of {$35.00}. 

Since then, I have attempted multiple times to have this account closed, attempting to maintain as close to a XXXX  balance as I can while Bank of America continued to allow charges through with impunity despite my best efforts to ensure no further charges would go through. I have had this checking account for many years, so undoubtedly there were going to be a few automatic payments I'd lost track of and wanted to stop with the full lock I had placed on my account. 

Not to mention Bank of America still has an active hold on my {$100.00} final balance from XX/XX/XXXX, preventing me from withdrawing that money and moving it to my new bank. One representative even told me that the " XXXX out my balance '' hold counted as an active hold on my account, constantly resetting the 10-day timer for no active holds in order to close my account. A different representative claimed that Bank of America did not in fact place the hold, while a third representative said that Bank of America did place the {$100.00} hold, but could not say why it was still active. 

Since that hold was placed, I have been subjected to a total of three overdraft fees of {$35.00} for charges Bank of America processed through despite my request for a total block of all charges on the account. In my opinion, these actions constitute a pattern of retaliatory action for attempting to close my account, and presenting an undue obstruction to terminating my account with Bank of America. 

I even attempted to send a registered mail letter requesting my account be closed to the official Bank of America account closure P.O. Box in XXXX, FL, but they did not pick up the letter from their P.O. Box and I was notified it would be returned to me by the USPS.
Product: Checking or savings account

Bank of American review my claim of almost XXXX for fraud and somehow they found some transaction was fraud and some wasnt what sense does that make! I want my money back asap! I dont understand how some was fraud and some wasnt when I didnt have my card!
Product: Debt collection

I hope this letter finds you well. I recently discovered a fraudulent account on my credit report, impacting my credit standing. The affected accounts are XXXX XXXX XXXX XXXX XXXX XXXX  I did not open or authorize these accounts, and I suspect identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 Sec. 602 states, I have the right to privacy! Under 15 USC 1681 Sec 604 ( a ) Sec. 2, it also states consumer reporting agencies can not furnish an account without my written consent or instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Please be mindful that i have already filed an Identity Theft Report with the FTC as well which surprises me that you guys ( experian, XXXX, XXXX ) haven't acted upon this yet.
Product: Credit reporting or other personal consumer reports

LendMark Financial unlawfully obtained a hard inquiry on my XXXX report. I did not fill out any applications and I never ever done business with this company.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  will still not update the credit reports. 
I am doing a transfer and the new lender can't get the correct info off the website for experian or other as they won't update paid off accounts,. 

XXXX XXXX, XXXX XXXX and XXXX online.
Product: Credit card or prepaid card

I ordered a online book through a company called XXXX. The online book did not help with the problems I was having with my dog though it claimed it would, it cost {$67.00} and it was charged to my barclays bank delaware on XX/XX/XXXX, I tried to contact the company through their website, I received no response, I tried to call them, I received no call back, though they said they would. I tried to dispute the charge on the credit card but had to wait a certain amount of days, I called the credit card and explain I didn't have any proof of it, because the charge was put through the company 's website, I also explained I had tried to contact the company through their website and through their phone number with no response, when I told the customer service representative that I didn't have any record of it to send them, they stated they were entering my response in their records. The charge was removed on XX/XX/XXXX. Today, I noticed that barclaycard has put the charged back onto my account, dated XX/XX/XXXX, when I tried to call them about it today, XX/XX/XXXX, the automatic message said sorry call back another time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was part of the Equifax data breach.
The breach lasted from mid-XX/XX/XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.
Product: Checking or savings account

I mobile deposited my check from working at the Indiana XXXX into my account. 
Shortly after this my account was flagged for closure. 
I called and asked why and they said for an invalid check. 
I asked for details and they refused to tell me anything other than I would need the issuer ( state auditors office ) to call. 
I provided this number and an agent told me it was invalid and not a Indiana number?? 
I called back again to try to get more details on the situation and what I can do or if the money ended up being deposited. 
Was told I could be provided no further information and I had to wait 60 DAYS to get access to money IF it did go through, the agent couldnt even tell me if it did or not. 
All of this happened XXXX XXXX. 
The company is CITIBANK mobile banking.
Product: Credit reporting or other personal consumer reports

EXPERIAN IS USING MY PHYCAIL ADDRESS CAUSING ME RELOCATE 
EXPERIAN HAS FAILED TO COMPLY WITH STATE LEVEL PROTECTION WHICH REQUIRE THE USE OF MY XXXX XXXX FOR ALL CORRESPONDENCE AND DOCUMENTATION 
THE ADDRESSED THAT ARE BEING REPORTHED ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
THIS IS CAUSING MY ENTIRE FAMILY OUTSIDE MY HOME EMOTIONAL STRESS 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
Product: Checking or savings account

Chase system is not in sync items are on the online banking but not the mobile banking application doesn't show the items.You can't determine if the items were paid and in results the merchant charges fees base on misleading information.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX AUTO XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed a police report for identity theft on XX/XX/XXXX for a XXXX account. I have sent letters to TransUnion, XXXX & XXXX they have failed to remove this from my credit report. I filed a FTC report as well. I also had Inquiries I did not authorize on my credit report. I will list them : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.
Product: Credit reporting or other personal consumer reports

XXXX BANK XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( XXXX USC 6802 ). XXXX XXXX  XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit card

Citicard Bank just raised the APR on my account from 12.5 to 21.5. 
My credit score is XXXX. 
On line I see the average interest rate for a XXXX credit rating is 13.5 I spoke with customer service. I was told I could request a lower rate but there are other factors in addition to credit score. If anything, I have less debt than I had prior to the increase.
Product: Student loan

I am close to XXXX payments for XXXX forgiveness ( Public service job since XX/XX/XXXX ). When loans were maybe going to restart last summer I recertified my IDR plan ( XX/XX/XXXX ). I was placed on the XXXX plan. The letter I received stated my payments would be {$670.00} for XXXX  months. When loan payments were restarting I received multiple confusing letters from Mohela regarding my loans. XX/XX/XXXX I received a letter stating my loans were placed on administrative forbearance ( no explanation why, but I assumed this was to address the many loan payment issues I heard of in the news ). XX/XX/XXXX and XXXX I received letters regarding autodebit confirmation of {$670.00}. XX/XX/XXXX I received a letter stating my loans were moved to the XXXX plan and lower payments. XXXX letter said my payment would now be {$21.00}. Another letter said my loans were placed on the XXXX plan and itemized the payments for each loan totaling over {$5000.00} a month. In a letter dated XX/XX/XXXX, but received XX/XX/XXXX I was notified my account was again on administrative forbearance. Again no explanation. XX/XX/XXXX I received XXXX letters dated XX/XX/XXXX with an autodebit notice of {$5200.00}. XX/XX/XXXX ( letters dated XXXX ) I was notified of administrative forbearance in XXXX letters. I was again notified of administrative forbearance XX/XX/XXXX. I assumed this was all to correct Mohela 's obvious errors. XX/XX/XXXX I received a letter that I would be auto-debited {$5200.00} XX/XX/XXXX. I immediately reapplied for XXXX to try and have the payment adjusted more appropriately. I was charged {$5200.00} XX/XX/XXXX. Since then I have exchanged multiple ( unhelpful ) messages with Mohela and spent over XXXX hours on the phone with them spread over 3 days. I guess this is the call diversion issue I have read about. I was told the only available solution is to have the $ XXXX refunded and XXXX would not count towards XXXX. XXXX also doesn't count according to Mohela because I was on an involuntary administrative forbearance. I have also tried to communicate with Mohela regarding a few loans that had payments not count toward XXXX ( but other loan payments that month count for the other loans ) and they have been wholly incompetent at trying to address my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Improper inquiries on credit report from XX/XX/2022
Product: Student loan

Navient never provided right information to me, they put my account under forebeareance when I told them I am unemployed and they reported my credit agency as a delinquent account. Their customer service is terrible and everyone is extremely rude. Now they are saying I owe them {$1000.00}, so I 'm not sure how to pay off this amount. Please help.
Product: Bank account or service

Chase bank is charging excessive fees in excess of XXXX dollars for a single negative account incident. They have been maximizing fees by reordering transactions and approving transactions to charge fees and then denying them later so they may charge another fee. Fees charged to this extent are unconscionable and entrapping. If I do not get relief from these fees I may be forced to file bankruptcy because it is impossible, on a fixed income, to get out from underneath a bank that is charging me over XXXX dollars for credit at an egregious rate and charging fees for credit they never even extended. I requested that they do not process transactions against my account when it is negative the last time they charged me over XXXX dollars in fees. I do not understand why after litigation with XXXX XXXX and XXXX XXXX XXXX the rules have not been changed and these deceptive contracts of adhesion are allowed to continue. I should not be able to say honestly that borrowing money from a criminal loan-shark would have been a cheaper and less financially dangerous choice than the legal contract I have been bound to, without even having to provide voluntary consent, which according to chase allows for this type of highway robbery.
Product: Checking or savings account

ACH credit on XX/XX/XXXX from XXXX XXXX XXXX for {$1000.00} ACH debit on XX/XX/XXXX from XXXX XXXX XXXX for {$1000.00} Former employer ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX was my past employer in which I quit due to him fraudulently not paying my commissions to me. I had this credit on XX/XX/XXXX for which I thought was previously owed commissions or residuals possibly from an audit etc. <P/>On XX/XX/XXXX without my knowledge, a debit was made for {$1000.00}. I have a joint checking with my spouse with him as the primary. <P/>How is any person/entity/or company authorized to debit my account anytime they wish without my knowledge or consent! I tried contact JP Morgan Chase and with no results or answers. <P/>I contacted my former employer and he referred me to the XXXX XXXX XXXX and again received no answers. <P/>No one in any of these parties had my or my husbands authorization to withdrawl funds from our bank account. No one having my account or routing number is authorized unless I give permission to withdrawl any funds that I have in any of my accounts.