23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # 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 or other personal consumer reports

XXXX XXXX  ( XXXX  ) INQUIRED ON XX/XX/XXXX. I DONT HAVE AN OPEN ACCOUNT WITH THIS COMPANY AND DID NOT AUTHORIZE THEM TO RUN MY CREDIT. 

XXXX INQUIRED ON XX/XX/XXXX. I DONT HAVE AN OPEN ACCOUNT WITH THIS COMPANY AND DID NOT AUTHORIZE THEM TO RUN MY CREDIT. 


XXXX XXXX INQUIRED ON XX/XX/XXXX. THEY DID NOT HAVE AUTHORIZATION TO PERFORM THE ACTS THAT THEY DID.
Product: Checking or savings account

The company involved was Chase Bank they overcharged me a overdraft over and over again if I make a withdrawal then they'll make another withdrawal I would transfer money into another account they would take it back out of the account they have me in the link was with several casinos when I've had the money in my account I sent the casinos proof that I had the money in my account but Chase Bank wouldn't cooperate with me I they seen on my account that I had the money in there but even when I went to get groceries I've had to pay a grocery store back and then turn around and pay Chase Bank back just as well they would take my money from whichever company I would pay and then I'd have to turn around and pay the company and pay Chase Bank just as well and I can't get them to resolve it at all and I'm tired of dealing with them so can you please help me
Product: Checking or savings account

Within the last 3 weeks, 3 separate bank accounts were open fraudulently under my name ( 2 accounts with Wells Fargo and 1 with XXXX XXXX ). I placed a fraud alert with XXXX initially but it happened again. What else can I do to take care of the problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the late payment accounts. No changes were made. Below are the inaccurate items from my credit report : Late Payment 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
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$270.00}
Product: Mortgage

Property went under contract in XX/XX/year>. I have been requesting proof of title several times and they refuse to give it to me. I have called, faxed, and emailed. This is causing a financial problem as the buyers bank will not proceed with loan application without it. I have been as patient as I can be with them and done everything they have asked of me and still they have not produced the proof of title. They say I can only get it when its pd off. I have explained repeatedly that Im not asking for the original title. I understand completely that it will be issued after sell. I am only asking for a copy of proof of title. This should not be this difficult. The company Shellpoint mortgage will not even give me a number to the title department or the name of the title company if 3rd party.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This is an ole Debt. which was misrepresented by neglect or " breach of agreement ''. I am a veteran, XXXX. at time of XXXX I agreed to the amount of $ XXXX monthly on the XXXX of each month. I explained to the representative that I was a Veteran. My check is the XXXX of the Month. According to the date the XXXX falls on. At the time of the Agreement {$250.00} was there but from Previous Month. The Representative drafted the amount, that is what caused the " Insufficient Funds ''
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Fraud/Aggravated Identity Theft I am aware XXXX my SSN belongs to the Social Security Administration and anything purchased with that identifying number is an obligation of the United Staes in accordance with 18 U.S.C 8 and being that XXXX XXXX XXXX XXXX XXXXXXXX is attempting to collect a debt from, I the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. XXXX XXXX XXXX, XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NO CONSENT to XXXX XXXX XXXX, XXXX furnishing this information to my consumer report. I did not give authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX, XXXX for the account opened XX/XX/year>. Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turningXXXX XXXX XXXX, XXXX into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right too commence legal proceedings to recover damages without further notice to you and this letter may be tendered as evidence of failure to comply. XXXX : XXXX Without Prejudice All Natural Rights Reserved
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting per XXXX FCRA Identity Theft Fraud Laws Dear American Express, I write to address a grave violation concerning the unauthorized reporting of information to my credit report, in contravention of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as XXXX XXXX identity theft laws, particularly under XXXX  Consolidated Statutes Title XXXX Section XXXX. 

It has come to my attention that American Express has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stipulated in the FCRA, unequivocally requires the consent of the consumer for such reporting activities under Section 1681b ( a ) ( 2 ). 

Furthermore, XXXX  state law, specifically XXXX Consolidated Statutes Title 18 Section 4107, emphasizes the necessity of consumer consent for credit reporting. This statute underscores the severity of unauthorized access and misuse of personal information, highlighting the stringent measures in place to protect consumers from identity theft and fraud. 

I assert unequivocally that I have not provided consent for American Express to report any information to my credit report. This clear lack of explicit permission constitutes a flagrant violation of my rights, potentially resulting in damage to my creditworthiness and a blatant disregard for federal and state laws. 

I demand, with absolute certainty, that American Express immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Pennsylvania law under Title 18 Section 4107. Failure to comply within the stipulated 30XXXXday timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including XXXX XXXX identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Pennsylvania law. This is not negotiable ; it is a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect American Express to promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

I signed an income based repayment in 2013 as a struggling XXXXr. It was to be $ XXXX for 10 years resulting in paid off. It is only increasing showing differed and accruing interest! It has been well over 10 years! I want this XXXX balance and closed out as paid. Im struggling to get a home and car loan for my XXXX XXXX and myself because of the significantly high balance and differed status. I want it fixed immediately please I do not make enough as a XXXX  and XXXX XXXX to keep up. Ive struggled for over 10 years with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries XXXX XXXX XXXXXXXX XXXX date XX/XX/22 and XXXX XXXX date XX/XX/22 were fraudulent and Equifax had already informed several times by communication over the phone and by mail they were going to be deleted and has failed and violated my rights under the FCRA.
Product: Credit card

I am requesting an investigation into Citibank 's deceptive business practice of refusing to allow consumers to discuss the possibility of closing an account before the account becomes delinquent. 

Citibank first refused to allow consumers to reach a live representative and kept the consumer in an automated voice system as a deterrent and as a tool to collect additional late fees and interest. 

Citibank then transferred the call to a foreign country where the representative could not speak or understand XXXX XXXX XXXX when asked to be transferred to the United States the call was disconnected and forced the consumer to repeat the process for hours with no result. 

This deceptive business practice is designed to prevent the consumers from possibly settling the account without the account before delinquencies and allows Citibank to continue to collect late fees and interest before accepting a settlement intentionally and deceptively forcing a negative impact on the consumer credit score. 

I am asking the CFPB the enforce or enact laws that prevent this deceptive business practice and allow consumers who express willingness to pay to negotiate a settlement in good faith without the account going delinquent and additional late fees and interest are applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY PUT IN A DISPUTE FOR A VERIFICATION OF ACCURACIES ON THIS ACCOUNT. AFTERWARDS, THIS ACCOUNT MAGICALLY BECAME OPEN AFTER BEING CLOSED FOR ALMOST 3 YEARS. LAST PAYMENT WASXX/XX/XXXX, CAR WAS REPOSSESSED INXX/XX/XXXX AT WHICH POINT THE ACCOUNT WAS CLOSED. ON MY TRANSUNION CREDIT REPORT THE STATUS HAS CHANGED TO OPEN BY THE COMPANY XXXX XXXX XXXX AS PER A REP FROM TRANSUNION AND NOW THE DATE IN WHICH IS IS TO COME OFF HAS SHIFTED A YEAR FURTHER. INSTEAD OF IT BEING REMOVED ONXX/XX/XXXX, TRANSUNION NOW HAS IT TO BE REMOVED IN XXXX. I HAVE TRIED NUMEROUS TIMES TO PAY THIS DEBT ON THIS CLOSED ACCOUNT, THE COMPANY REFUSES TO GIVE ME AN AGREEMENT IN WRITING ON WHAT WE DISCUSSED ON THE PHONE, THIS IS CLEARLY IN RETALIATION TO ME REPORTING THEIR " BOOKY '' WAYS. YOU CAN NOT OPEN A ACCOUNT THAT HAS BEEN CLOSED. FURTHERMORE, THE DATES LISTED ARE WRONG AS WELL. IT IS MY RIGHT UNDER FCRA 623 ( b ) ( 1 ) ( D ) TO HAVE ANY AND ALL INCORRECT INFORMATION CORRECTED OR DELETED IF THEY CAN NOT VERIFY THE FACTS OF THE MATTER, WHICH IS THAT THIS ACCOUNT HAS MANY INACCURACIES! I AM NOT IN POSSESSION OF THE PRODUCT NOR HAVE I REOPENED OR MADE ANY ATTEMPTS TO REOPEN THIS ACCOUNT. I AM NOT RECEIVING MONTHLY STATEMENTS OR MAKING MONTHLY PAYMENTS NOR IS THERE A CONTRACT STATING SUCH.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the account listed below are still reporting on my credit report in violation of XXXX Law. HSBC BANK failed to comply with Fair Credit Reporting Act, 15 USC sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. REMOVE the account below : ( HSBC BANK XXXX )
Product: Student loan

I have struggled to pay the large amount of private loan debt I incurred 13 years ago whole attending college. I have tried my best to always make my payments by working side jobs and moonlighting even though it is against my employers strict policy. The market is not what it used to be and this work has reduced considerably and I can no longer continue to do this work because I can lose my job. My wife is a XXXX XXXX XXXX mother to our XXXX children, I am the only working parent, I can not afford to lose my job, bottom line. Increased costs of health care and cost of living and the loss of this extra income has left our budget negative every month. It has been really hard keeping up with the over {$150000.00} in student loans both federal and private and we have fallen 5 months behind on my federal loans. I have used all forbearance in the early years of my loans and filed bankruptcy in XX/XX/XXXX in an effort to try to make things work but it is not working as our family grew after XXXX XXXX XXXX  children and having a child of our own ( which we were told was impossible ). I 've spoken to Navient many times looking for options and programs and at this point there is not much left. I appreciate that they have considered me for lowered interest programs but even the lowest interest rate is still a {$450.00} payment on top of another {$270.00} for federal loans and we simply do n't have an extra {$720.00} each month. I spoke to Navient on Friday XX/XX/XXXX and the rep on the phone admitted that private loans just do n't have the programs ( like IBR ) that federal loans have and there was n't a lot of relief for me there. She seemed understanding and listened to me for over 25 minutes, I explained all of the above to her. Then she told me she had to transfer me to a manager to " record '' everything we just spoke about. He was rude, loud, and inappropriate. He said, " so what bill are you not going to pay this month so you can pay Navient ''. suggesting that I not pay what? electricity? food? Their phone calls are getting more aggressive and they are now calling my place of work which I have asked that they do not do. I am not allowed to get these kind of calls to my place of work. I was told last time that the number would be removed from the list and they would " leave a note to not call me at work ''. I just recieved another call to my office from them and they hung up on the receptionist.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine but is reflecting on my credit report. 

XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$1800.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$5900.00} XXXX  XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$780.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$32000.00} XXXX  XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX  XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$500.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Equifax any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX XXXX contacted me on behalf of Td Bank. I have been having them take {$50.00} out of my account each month from XXXX payments. When my XXXX payments stopped I contacted them to ask them to stop taking my payments sending emails showing my XXXX payments have been stopped. I was hung up on three times and no response to emails from XX/XX/XXXX and XXXX. I want this complaint posted PERMANENTLY so anyone who does business with them will know who they are and the tactics they use. I even emailed them stating would be filing a complaint against them and no response. I am hereby rescinding authorization to withdraw monies from my account. Since they hung up on me three times they are to NEVER EVER call me at any number EVER again. My bank refuses to stop the payments since they are XXXX.
Product: Checking or savings account

My phone and bank cards was stolen I called the bank and told them there was some unauthorized charges on my account I point the one out from cash that I didn't do or use. So I waited 94 day for answer. They refused to tell me anything or haven't sent me a email or letter about my case. I started sending emails tell them I'm going to file a complaint on them then they told me my case is close. I'm still waiting on the reason my case got closed.
Product: Credit card

Over the past 7 months I have been monitoring the interest payments on my credit card from Bank of America ( rewards ). The interest seems rather high to me. I believe their interest calculation works in principle according to : 1 ) the interest on any statement refers to the purchase amounts carried over from the previous month. 
2 ) the closing date ( XX/XX/XXXX ) and the payment due date ( XX/XX/XXXX ) are different, 3 ) the interest rate on amounts carried over from previous months is really high and seems arbitrary as the following data from my credit card statements shows : statement date interest charged balance amount paid ( $ carried over ) XXXX/XXXX/16 {$14.00} {$1400.00} {$1400.00} ( {$0.00} ) XXXX/XXXX/16 {$16.00} {$1400.00} {$1400.00} ( {$63.00} ) XXXX/XXXX/16 {$14.00} {$1100.00} {$1000.00} ( {$120.00} ) XXXX/XXXX/16 {$15.00} {$1000.00} {$1000.00} ( {$29.00} ) XXXX/XXXX/16 {$6.00} {$520.00} {$250.00} ( {$270.00} ) XXXX/XXXX/16 {$12.00} {$1200.00} {$1200.00} ( - {$3.00} ) XXXX/XXXX/16 {$9.00} {$1600.00} {$1000.00} ( {$600.00} ) My monthly payments were all made on or before the payment due date. 

My problem is that I called BoA for clarification - it took over 1/2 hour, multiple holds, speaking with XXXX representatives before getting a rough answer - made by the above XXXX points. Their description on how to avoid interest payments on regular retail purchases seems simple enough - " Pay the statement in full. '' However, debt carry-over into the next billing period seems arbitrarily exhorbitant, according to my data above, i.e. interest charged vs. ( $ carried over ). BoA does not provide clear rules in this regard. Coupled with calculation uncertainties surrounding the different closure and payment due dates, even the BoA representatives that I spoke to were confused on how interest charges are computed. One representative even commented on possible interest charged on purchases made within the closing and payment due dates - showing up on the next billing statement. As I did not receive a $ -to- $ itemized detail on how BoA obtained the precise interest figures, I conclude BoAs practice of interest computation is nothing short of obsfucation that works in their favor ; and hence predatory. Although the interest payments are not large in this case, I feel BoAs credit card practices deserve closer inspection.
Product: Credit card

Capitol One credit card company. Where I obtained a credit card through Capital One company and someone steals XXXX off of my card and the problem gets reported back in XXXX of 2022 and the problem never gets resolved. And also I cancelled the card but I have not heard anything from them at all. I owed XXXX. Paid in full and put XXXX on the card extra. Within the timelimit given.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 10 year period for my bankruptcy was completed in XX/XX/2023. My Equifax credit score generated by XXXX has not been adjusted to show the bankruptcy being deleted from my credit report. A statement appears on the Equifax website that my score is negatively affected by a bankruptcy and recent delinquent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, my account went delinquent. However, I have been paying XXXX XXXX, XXXX XXXX XXXX dollars a month every XXXX of the month since XXXX XXXX. I would like for the information to the reported correctly. I would also like for my credit to show that I am making payments instead of being listed as a " bad debt write-off ''. I am set up with XXXX XXXX to have my payment automatically withdrawn and I have not missed a payment.
Product: Credit reporting or other personal consumer reports

After discovering that I couldnt co-sign using my credit on XX/XX/year> because transunion purposely have a deem of repossession placed on my report. I called my auto loan company XXXX XXXX to ask why when my car is paid off, they stated they never reported that and its transunion error. I called transunion who failed to provide what I requested and failed to handled my dispute. I can not submit any dispute to transunion online, it states to call. This is not the first time transunion has being negligent with my account. I would like to file a lawsuit if I have to wait the 30 day period with having it removed from my credit report. This error has inconvenience me in life as of now, I need to use my credit and cant due to there error. I do not want to wait the 30 day period and need to have this deem of repossession expedited before XXXX is over.