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

XXXX on my address on credit report as XXXX it's incorrect I had the XXXX XXXX XXXX to XXXX and it's incorrect on the disputed results report number XXXX XX/XX/202XXXX XXXX
Product: Credit card or prepaid card

Discover credit card was closed in XXXXXXXX XXXX XXXX. Balance was transferred to a XXXX XXXX account prior to closing, and balance showed XXXX. Discover card account was closed over the phone, and I was ensured the balance was transferred and I was closing the account. Discover sent a printed statement showing XXXX balance after closure. I was then charged a residual interest amount of {$13.00} after closing my account unbeknownst to me. This amount then became past due, resulting in a delinquency and loss of credit score. I never received a phone call about my issue, so the problem went undetected by me. This is a nefarious and predatory practice by Discover Card and should not be affecting my credit score like it has. Completely unacceptable behavior by Discover.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XXXX THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have 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 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 or 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 data is inaccurate.
Product: Debt collection

I currently make payments on the account that is supposed to be delinquent and is showing up as a negative on my credit report. At one point, I tried to call and make a payment to the hospital and after 3 weeks of phone tag I forgot to call back. The following month I forgot about the bill and by the time I remembered I called and they had already sent it to collections. I have made consistent payments other than that incident. This is also a medical bill, and it is against the law for a hospital to turn over that information to a third party. It needs to be removed from my credit not only for that reason, but because I make monthly payments on it and have consistently.
Product: Credit reporting or other personal consumer reports

I would like to start off by saying I am a victim of identity and I have been since XXXX. I have had fraud prevention alerts on my credit that I have since removed but I try to monitor my credit as much as possible. 
On XX/XX/XXXX| noticed I had an account reporting on my credit that was not made by me or authorized by me. Once I noticed this fraudulent account on my credit profile. I disputed directly with the credit bureau Experian and they continuously report this fraudulent account to my credit report. 

XXXX XXXX XXXX XXXX XXXX to this fraudulent account reporting on my credit report, it has caused a great deal of stress and financial hardship and has hindered me from moving forward with my personal business and livelihood.
Product: Credit card

Hi, i had an American Express Gold card that I closed ( with XXXX balance on the card ) about 4 years ago. On XXXX XXXX I got an email stating that my account was past due. I immediately called American Express customer service and told them this card has been closed for years and there is no way it can have a balance. That I have not used the card in years and any thing reflecting on it is unauthorized. I was assured my account was " impeccable '' and it must be a spoof email. i was asked to forward that email to their spoofing dept which i did. A week later I recd a letter in the mail stating the same thing ... which was followed by another call from me to the customer service center and i was told that I was not even the primary card holder on this card and there was no balance whatsoever. Then about 2 weeks later i started getting collection calls and was now told that not only I was the primary cardholder, there was a balance of about {$1000.00} on it. How can a closed card have balance??!!! 
I then emailed their senior executive leadership member to intervene and resolve this case. I got a couple of emails from the executive admin that they will look into the matter and have updated the credit bureau of the error. My repeated requests of a phone call to understand the situation have been ignored. Its been three months and i still do n't have a resolution to my case nor any acknowledgment from American Express that the case has been closed. 
Please help me. I take my credit standing and obligations very seriously and this matter has robbed me of peace of mind. Am i a victim of ID theft? card skimming? what?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : 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: Bank account or service

My sister and I have banked with Bank of America for more than 5 years. We have never missed a payment, over drafted, or wrote any fraudulent checks when XXXX XXXX, 2015 they froze both of our accounts without sending us a letter or notification online. When we phoned them to find out what 's going on they told us both in person and on the phone it was a business decision and that they did n't have to give a reason for freezing our accounts. We 've sent in requests to have our funds released to us but all of them have been denied. We just got a letter in the mail stating the number of our accounts they have frozen along with saying they wo n't be returning any available funds. This has never happened to us before as we have never done anything for them to just freeze our accounts without telling us let alone not giving us reason why they wo n't release our money. While it was inconvenient to do this before the holiday 's and upcoming bills, now all we want is our money back then we will never do business with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint regarding the identity theft that I experienced. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any information that was opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00}.
Product: Credit reporting or other personal consumer reports

Reported old pass information on reports that have not been removed like closed accounts.Also reports of fraudulent student loans, I have never applied for student loans or owe student loans.Also there a fraudulent account on XXXX, using my information.
Product: Credit reporting or other personal consumer reports

This account was disputed with the credit bureaus. I don't understand because I contacted XXXX XXXX and a manager named XXXX, stated she has no records on file with my name or DOB. I told her that XXXX XXXX is collecting a {$2700.00} debt that I do not owe. She double-checked her file via my SSN and still no records of me in there system owing any amount of money. I either XXXX XXXX has me mixed up with someone else or XXXX XXXX never notified XXXX  XXXX  that I do not owe this amount. As of now, false information is being reported on my consumer report and rental reports and it's preventing me from getting an apartment. Please cease all collection activity and remove this from my file until it properly verified as stated in the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several items with TransUnion by certified mail 60+ days ago and did not get a response. I am therefore disputing the following items through here, if this is not resolved with TransUnion, I will file claims in small claims court for each item I am disputing as they are a result of identity theft : Credit Items being disputed : XXXX XXXX ( all 3 accounts ), XXXX XXXX, XXXX XXXX, XXXX XXXX. 

I am also disputing the following inquiries : 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. I did not authorize any of these companies to run my credit and they are a result of identity thef.t
Product: Debt collection

Your options do not include the problem in this issue. This XXXX procedure was in mid XX/XX/XXXX. It became past due no later than XX/XX/XXXX. It was submitted to Account Resolution Services in XX/XX/XXXX. 

Federal law requires that this item can not remain on my credit files after XXXX years from the first delinquency prior to Charge off. That means the date of obsolescence on this debt would have been XX/XX/XXXX. 

I disputed this with XXXX, XXXX and XXXX XXXX accordingly. This means they sent this to the Account Resolution Services and they returned the dispute leaving it on my files.
Product: Debt collection

I told the collection company and company that I paid that I did not live their anymore and closed my account to send me the proof of usage I never received any documents stating I owed this account balance. When they contacted me I told them I will not pay a account I do not owe and the repeatably kept calling me and harassing me for money I do not owe.
Product: Checking or savings account

I was charged I believe XXXX or {$30.00} from PayPal incorporation on my checking account from XXXX under XXXX XXXX card ending in XXXX and I dont know why and I dont understand and I want my money refunded. I didnt authorize this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submit a FTC report to XXXX about a dozens of inquiries and a bank account that was open in my name by the name of XXXX XXXX in the amount of XXXX and I was denied of opening up a saving account and I open a a dispute with XXXX and it was denied few times and I contacted XXXX XXXX and they open up a dispute and I never heard back from them in few months or received any paperwork from them ... XXXX refused to dispute my item ( XXXX XXXX ) Debt amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello dear sir or madam, XXXX XXXXXXXX XXXX, and Wells Fargo i have both bank accounts last 1 and half year before some reason i closed both accounts pay all amount and then closed accounts and know when i trying to open a new account they cant open my account when i go bank they told me call Custmer service they said you not have any issue at system go bank and open new account please help me i shall be thankful to you
Product: Debt collection

I sent a cease and desist letter to American Express on XX/XX/XXXX asking that ALL communication be via mail. And that they were to stop calling my cellphone and especially my work phone. 

On Friday XX/XX/XXXX at XXXX I received a call at work from American Express number ( XXXX ) XXXX. The cease and desist letter has not expired or anything, so I am unclear why after a year they feel they can reach out to me via my work telephone.
Product: Credit reporting or other personal consumer reports

i can't get anything going in right way for the credit cause of wrong info mention on my credit and I can't find away to fix it
Product: Credit reporting 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. 

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 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 XXXXXXXX has violated my rights XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am disputing items with Lexis Nexis and they keep rejecting my letters, without even opening them, they come back saying refused. this has happened XXXX already.
Product: Debt collection

DISCLOSURE :

THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports.
Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Product: Student loan

When I asked about lowering payments Navient advised that I could reduce payments or take advantage of forebearabce but never explained how this would affect the loan and or interest associated with loan. In fact they almost insisted I take the forebearance every time I asked about my options. Navient did n't inform me of any deadline or proper documentation either. I feel as though a Navient did n't have my best interest in mind when assisting me with my loan. Disappointing! This has also impacted my credit dramatically as the fees and interest are way out of control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm applying for my mortgage and found out that my credit account with Equifax is mixed with my husbands who's living in the same address. 

My credit report from Equifax wrongfully entitled me with my husband 's mortgage. 

Ive already submitted 3 online disputes and started an investigation ( reference # : XXXX ). I received a response email saying that they had updated my information. However when I check my credit report, there are no changes. So I filed a new online dispute ( Ticket # XXXX ). 

Please remove my husbands info from my profile so that I can proceed with my mortgage application. This is an URGENT matter that needed to be resolved ASAP.
Product: Credit card or prepaid card

I used to have a XXXX card ( XXXX XXXX ) and XXXX went bankrupt.When XXXX went out of buisness my XXXX card was transferred to " XXXX XXXX XXXX '' which I never applied for, asked for etc., ..Also, I never had a option to opt in or out.After filing complaints to XXXX XXXX , XXXX XXXX is saying that they made a buisness decission and there was no opt out option.According to CFPB, I have the right to opt out of newly changed terms which i never had that option.XXXX XXXX ( XXXX XXXX XXXX/XXXX ) closed my account with out any knowledge or paper work sent.Because of XXXX closing my account, it has caused a negative on my credit report
Product: Student loan

I took out a Parent Plus loan for my XXXX girls to go to college when I was going through a divorce. The original loan was XXXX and now is XXXX. I have tried the forbearance and have asked to receive the income-based application several times in which I never received I can not afford this loan I am single and an XXXX XXXX I barely survive on my own. When it was XXXX XXXX I was able to pay $ XXXX monthly and could do this. Now my payment is over {$300.00} and the interest and loan just keeps getting higher. I am at a loss with this. Navient has not delivered this income based application and I have asked several times. Not to mentioned the multiple emails and calls I receive for non-payment which I can not pay. This original loan has almost doubled. HELP!!
Product: Checking or savings account

Incompetente rep XXXX. 
I called to request to speak to a XXXX and the rep XXXX is rude, she is not knowledgeable and her performance is incompetent. 
Western alliance bank is asking for tons of documentation for me to change my external account. They keep asking more things each time This is ridiculous. I have several other banks and this bank is incompetent when it comes to process XXXX dont have the statement from the previous external account They have asked for XXXX different things and its an ridiculous processs, not smart process at all. Its something simple but this bank is making it difficult. 
Have someone call and email me to resolve this issue
Product: Checking or savings account

A few weeks ago I had a balanced low balance of $ XXXX. XXXX pending transactions posted on the same day in XXXX of the same batch processes. XXXX was for a {$10.00} charge for a credit card payment and the other was a {$10.00} deposit to my account. Rather than reconcile the post batch processes correctly and credit the {$10.00} deposit to my account they charged the {$10.00} credit card payment against the account balance first thus causing the balance to dip into the negative and cause the initiation of a {$30.00} fee making the total negative balance reach $ XXXX. Just after this they posted the {$10.00} deposit to my account causing the negative balance to reach $ XXXX. If they had properly reconciled the batch transactions the balance would have still been $ XXXX. 

I am requesting reversal of the {$30.00} NSF fee as these transactions shouldn't have been processed like this in this order!
Product: Checking or savings account

Been a member with Wells Fargo bank ( checking and saving accounts ) since XXXX- presently. I'm following up regarding the {$2.00} billion class action lawsuit. I have not received the {$100.00} repayment. Please let me know regarding this matter. 

Thank you, XXXX XXXX