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 : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Chase bank denied me credit on an application for a XXXX credit card with the reference number XXXX after citing my " bankruptcy '' from 2012 as the issue for denial. Yet, on the application they specifically asked whether or not the applicants has any bankruptcies on their credit file and I checked the box for YES and yet they still placed an inquiry on my credit report and proceeded to deny me for having a bankruptcy. I believe that this is extremely deceptive and hurtful to my FICO score. They were deceptive in their application process and misled me to believe that I would qualify for a credit card with a bankruptcy reported on my account as long as the FICO score, annual income and credit history was acceptable. My FICO score is XXXX which is exceptionally and my annual income is {$80000.00} which is more than suffcient to have this card. The reason for denying me credit was extremely malicious and had I known that they would deny me on the grounds of a bankruptcy, which they already knew I had, I would never have applied. When i called CHASE to complain about this deceptive behavior on their part they then proceeded to tell me that in fact i was denied due to inquiries on my report. That is also not true, I have only XXXX inquiries, XXXX of which was placed by them unnecessary. Knowing i have a bankruptcy, which is old, Chase should NEVER have placed an inquiry on my report since that was the REASOn they gave me for rejecting my application. As a result of their unnecesary inquiry my FICO scores have dropped XXXX points!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) XXXX is hurting my credit. It's reporting 2 inquires on XX/XX/XXXX and XXXX, XXXX with XXXX XXXX for the same credit card application. I only applied once. 
XXXX XXXX XXXX XXXX XXXXXXXX is wrongfully reporting on XX/XX/XXXX an inquiry I didn't requested. 
XXXX XXXX XXXX XXXX  XXXX acct # XXXX and XXXX XXXX XXXX XXXX account # XXXX are reporting that I was 30 days late in XX/XX/XXXX. That is incorrect. 
XXXX ) I tried multiple times to fix the problems that are hurting my credit with these companies without any luck. I'm asking you to please request them to delete the inquires and wrong information to clean up my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : The following accounts was charged off on XX/XX/2020. Since then, the account has been repeatedly reporting as a charge off every month. This is an update in the payment history which to my understanding charged off accounts should not have an active payment history. This also falsely manipulated the statue of limitations. I am demanding a deletion of the following accounts : XXXX, XXXX, and XXXX. Best Regards, Also I was told that my complaint was solved and closed already, but I have no documentation nor any information on why its still showing up on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is fraudulent on my credit Account on XXXX  and Transunion
Product: Debt collection

XX/XX/XXXX I reported XXXX  that this account was not mine it was fraudulent account but it came back with results it belongs to me. XXXX XXXX XXXX with {$320.00}.
Product: Credit card or prepaid card

Capital One has been emailing me account information for someone else for nearly a year now. They opened an account XX/XX/XXXX and I have been getting emails ever since then. I called them back and spoke directly to a customer service representative that told me someone with the same name and a different social security number signed up for the account. I told them they used the wrong email address and requested they open an inquiry. I thought it would end there but I keep getting emails about this persons account. 

I am sure I had more emails notifying them of their mistake ( I probably deleted some ), but currently I have 22 emails dating back to XX/XX/XXXX requesting that they stop emailing me someone else 's account information. I continue to reply or forward the emails they send to XXXX every time they email me, but they will not stop giving out someone else 's information. Below is just one email as I am sure you don't want me to attach all 22 emails. 

Also, FYSA XXXX, XXXX, XXXX or any way of spelling out XXXX with a period anywhere in it is still my email address. So there are emails received as XXXX and the ones I reply with are XXXX but it is the same domain email address for XXXX. Ask them if you don't believe me.
Product: Debt collection

I receive an alert from XXXX XXXX that my information was found on dark web upon reviewing my credit report, I saw an account that I have no know knowledge, I reached out to the company listed and haven't received any info or verification of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX usc 168 section states I have the right to privacy.

15 usc 168 section 604 A section 2 it also states a consumer credit agency can not furnish an account without my work instruction.

15 usc 168 section 1666B states a creditor may not use a payment on a credit card account under an open endconsumer credit plan as XXXX  for purpose.
Product: Credit card or prepaid card

I started a dispute around XX/XX/XXXX for the amount of {$1000.00} dollars, well Fargo credit card services closed my case by XX/XX/XXXX ( around ) saying that I wasn't entirely for this money, XX/XX/XXXX I faxed proof of my resolution over this money, credit card company called me back on XX/XX/XXXX saying that I was going to get this {$1000.00} dollars back ( because I had proof enough that that was my money. ) They said within 5 days, today is Tuesday XX/XX/XXXX and I have called numerous times to wells Fargo credit line, not answer, nobody can get me any answers, in the other hand THEY ARE DO RUDE over the phone, I try to get a name or reference number of a lady who was so rude, she only said I'm XXXX IM XXXX, I feel very betrayed and angry because of this
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous calls to all 3 bureaus for help with 2 XXXX accounts. Have credit monitoring with all 3 bureaus showing no late payments and exceptional payment history but they refuse to update to actual credit reports.. have at least 20+ calls to bureaus where Im told dispute over and over again, purchase their credit monitoring to get latest info and use the phone app. Have reports from credit monitoring on all bureaus but still not reporting to credit reports. Called Experian and XXXX today.. same as usual.. transfer from department to department.. no help, told to use app and dispute but nevernever give me to the credit monitoring department if there even is such a department.. this is a scam to get consumers money.. then they dont update credit results and consumer pays month after month with no change and certainly no help.. they refuse and I literally mean refuse to correct XXXX information.. I was put on hold over 45 minutes numerous times just so Id get tired and finally hang up.. I got my first report in the mail on XX/XX/21 after filing a complaint against them. Over 80 changes and comments made, even told reports on the way and never received one after all these months till 3 days ago. The next day 57 late payments from bank accounts that I personally know was sent months ago was all removed XX/XX/21 the day after I received letters from XXXX  and Experian showing no changes noted. I have yet to receive a report from XXXX. So Im now filing a complaint for my 2 XXXX accounts which have also been updated numerous times without changes to credit reports. I did in fact use the app and the credit monitoring for the latest updated information today as I do almost every day and it shows no late payments. I was curious so I had my banker pull the reports and I was correct.. they all still show late.. so the phone app is just another incorrect misrepresentation. Also have reports today from XXXX showing no late payments-19 pages. They verified they have reported over and over again I have no changes. They just take the money I pay monthly from desperate consumers like myself trying to fix errors that is ruining their lives.. they have been sued by many states for their misrepresentation including my personal attorney general himself when he couldnt get information updated but they continue the same practices every single day!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not yet sent me the results of my credit investigations, despite the fact that I sent the request to them nearly 2 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XX/XX/2022, I requested a wet signature signed contract that I owe AARGON COLLECTION AGENCY, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX They have also placed a late payment on the account and the accounts are closed. If the company cannotXXXX send a copy of the original contract with my signed signature! I WANT A removal immediately! They are reporting inaccurate information and according to the FCRA you CAN NOT please a late payment on a closed account!
Product: Debt collection

This debt has been disputed and it was found that original collection company did not have sufficient information to validate debt so item was removed from my credit file. However, they sold it to another agency, XXXX and if is now reporting again.
Product: Checking or savings account

Profiteering by Bank of America On XX/XX/XXXX, my XXXX  was a college student at XXXX University in XXXX Virginia. I chose Bank of America to do an away from home auxiliary account in order that he could accomplish his banking needs. ( Like many college students, my XXXX  was not finance savvy. ) My XXXX and XXXX were joint on connected checking and savings accounts : XXXX XXXX XXXX XXXX and XXXX XXXX. 
Checking account : XXXX. 
Savings account : XXXX In order to meet the criteria for no fees to be assessed, I was a XXXX XXXX and had a XXXX XXXX  come into the checking account, proceeded by a transfer. I have the initial XX/XX/XXXX statement stating an account to account transfer would take place every month. The document stated, XXXX assisted transfer from XXXX XXXX. 

After my XXXX matriculated from XXXX University and left XXXX, the auxiliary checking account was no longer a necessity. He had an established primary account with a XXXX XXXX union affording many great benefits. My son, however, left the Bank of America accounts open, using the debit card, on occasion. I never dreamed XXXX XXXX XXXX  of BOA profiteering could result. 

# XXXX On yesterday, XX/XX/XXXX, I learned that for years the checking account was being charged $ XXXX  monthly. My XXXX, not banking XXXX  was unaware of the huge profiteering by Bank of America. 

The account was paperless. I no longer paid close attention believing that things were fine. I retired in XXXX and my federal allotment stopped. This must be when the {$12.00} monthly started. It is unfortunate that this is when banks profit huge from XXXX 
A. I would like a full accounting of DATE when the {$12.00} monthly fee started. 
B. Provide TOTAL AMOUNT OF FEES paid up to checking closure : Friday, XX/XX/XXXX. ( $ $ $ PAID ) # XXXX In the process of closing the checking account, I was flabbergasted to learn that in addition to the {$12.00} monthly, a {$5.00} monthly savings account maintenance fee was being charged because the savings balance was under {$300.00}. ( My son was in the dark about this simple that could have been imparted. 

{$5.00} monthly on a XXXX Account is the exception. BOA has ways to assure that its customers are not been duped. This is a shameful, unethical practice. 

A. I would like a full accounting of DATE that the {$5.00} monthly fee started. 
B. Provide TOTAL AMOUNT OF FEES paid to PRESENT. ( $ $ $ PAID ) MAKE XXXX WHOLE : 100 % refund of {$5.00} monthly fees due to unfair profiteering and unethical business practice. Funds to be deposited into XXXX account XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXl : All three XXXX, XXXX, transuinion Account # : XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX OF XXXX XXXX ) XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX FIN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX XXXX ( Original Creditor : ) XXXX, ( XXXX Creditor : ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX via XXXX XXXX XXXX and Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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: Student loan

I have been put on multiple deferments and then made to jump through hoops including signing up for at least 3 other sites and then rejected for IBR because I was told the IBR is only for people who 's loan payments are over 50 % of their income.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report XXXX  XXXX XXXX XXXX  ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX15 U.S.C. 6802XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX16 CFR 313 ( Privacy of Consumer Financial Information ) XXXX  - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX*15 U.S.C. 1681XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : [ Report Number ] ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : Collections and Charge-off Accounts : ACCOUNT NUMBER AND FRAUDULENT INQUIRIES : DATE OPENED XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$620.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$590.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX o Account XXXX. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX  XXXX o Account XXXX. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$460.00} o Status : Derogatory ( Charge-off ) Fraudulent Inquiries : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX Banks - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX Banks - XX/XX/XXXX XXXX. XXXX XXXX Banks - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that my report no longer contains any fraudulent information. I have called the bureau several times reporting these fraudulent accounts on my report, and XXXX has not wanted to give me a solution to this problem, which has severely affected my ability to acquire a new house for my children. These collections were removed and not verified by other bureaus. I do not understand how you can say that these accounts are mine, so I demand that you send me all the documentation proving that this information is accurate. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them.
Product: Credit card

I have been experiencing financial hardship and reached out to Apple Card ( Goldman Sachs ) multiple times to request assistance, such as a temporary reduction in my interest rate, an extended payment deferral, or a structured repayment plan to help me stay on track with my payments and avoid default. 

Each time, I was told that no hardship programs were available for me, despite the fact that Goldman Sachs advertises customer assistance programs. I have spoken with multiple representatives, but they have refused to offer any real options beyond stating that no help is available. 

I am not asking for debt forgivenessI am simply requesting reasonable assistance to manage my payments, as many other credit card issuers provide. Instead of working with me, Apple Card representatives have repeatedly denied any hardship support without offering alternatives. 

I am requesting the CFPB to investigate why no assistance is being provided and require Goldman Sachs to offer a fair resolution. I am willing to provide all necessary documentation to verify my financial situation.
Product: Credit card or prepaid card

I received a notice that my account was past due. I made payment on XX/XX/2021 for a payment that was due on the XXXX of XXXX. The payment was taken from my account at XXXX Bank on the XXXX of XXXX. They did not POST my payment until XX/XX/XXXX conveniently a day PAST the due date so they added a late charge to my account. 
On XX/XX/2021 I made payment in the amount of {$97.00} to XXXX through my XXXXXXXX XXXX account again, payment due the XXXX of XXXX. They did not post and charged INTEREST AND ANOTHER LATE FEE. 
On XX/XX/XXXX I submitted paperwork to show my payments were made timely and it was their posting issues that were not MY FAULT. I have repeatedly tried to get this resolved and I get nothing but " canned '' responses to my secure email messages that they can do nothing until they " find a resolution ''. I PROVIDED WRITTEN CONFIRMATION from my bank account showing my payments to them with no result. Yesterday, they reported to the credit bureau that my credit limit has been reduced to {$0.00} from a previously assigned credit limit of {$750.00} causing damage to me personally from this report. I can not get anyone to fix this in Comenity Bank so I have had to resort to this method.