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

Accounts and Charges are popping up that i did not authorize XXXX XXXX  XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$7100.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX spending credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$3700.00}. 
This account is being reported on my credit report multiple times with the same creditor and open date. Please remove this error and any negative information in this account immediately. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$6900.00}. 
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit any purpose Collection account from XXXX with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as
Product: Checking or savings account

I created a CD with Bread Financial, aka Bread Savings, for 250k on 8/17/2023 for one year term. Their default setting is to auto-renew CDs, and they do not even let you set your preference to close at maturity. I asked them to close my CD on XX/XX/XXXX and XX/XX/XXXX. Then they put my account on protection for no apparent reason and asked me via chat to call them. I called them and verified my details. Then I spoke to a rep on XX/XX/XXXX, and asked them a 3rd time to close my account and send me a check. At that time they told me that to send me a check they wanted to charge me {$15.00}. I told them that I would not want to pay that amount of {$15.00}. The rep was very condescending to me and kept saying, " really? for a check of XXXX you can't pay {$15.00}? ". Then she said that they would submit a waiver request. I asked the rep for what the next steps are and they said they have requested a waiver and will send my check. They made it sound like my check would come in the mail. That's when I stopped tracking this case from my side and waited for my check. 

They sent me a chat message on XX/XX/XXXX informing me that a a check fee waiver was denied and asking me how else I would like to proceed - ACH or external account or check with {$15.00} fee. This was the day when my " CD grace period '' was supposed to be over. They never reminded me of it. I was busy sending my kids to college and school and this case slipped my mind. 

Then on XX/XX/XXXX, I saw the message and tried to create a savings account with Bread Savings so I could at least move my money from CD to savings and then figure out how to move it from Bread Savings savings to another bank. When I tried to move my money within accounts, it would not let me. So I asked Bread Savings to move my money to the savings account. That's when they said that my CD restarted. They are an online bank and there was no message or notification or email from them saying that my CD was renewed. They renewed my CD despite my asking them to close my CD THREE times. If this is not their fraudulent and unethical way of keeping my money locked then what is? 

Now when I called and asked them to give me the money that I desperately need, they are suggesting that I close the CD with a penalty of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first contact XXXX XXXX regarding the issue when I received a credit monitoring alert from XXXX XXXX stating that there was a 30 day late reported on my credit report for $ XXXX/XX/XX/2020. I knew this was incorrect when I had just made a payment of {$81.00} for XX/XX/2020 I  looked into the matter immediately by contacting XXXX XXXX and speaking to one of their representatives to find out what the problem was. The representative stated even the payment was made on time I failed to make the whole payment that was due of {$96.00} vs. {$81.00}. The difference of {$15.00} was for late payment which I was not aware of. I always go by what payment is due on my XXXX XXXX app and the day I made the {$81.00} for XX/XX/2020 that is what it stated. My monthly payment practice has been what is on my XXXX XXXX app and has been for as long as I have had the card. 

The XXXX XXXX rep explained to me to contact the credit report agencies and make a dispute through them. I did this and XXXX XXXX denied my request to change my credit report. 

I wrote them directly and asked them to change it and they denied that request also. 

I have included supporting documentation to support my claim.
Product: Student loan

My student loans were forgiven under XXXX in XXXX of XXXX, but they still appear as having a balance on my credit reports. I have filed a dispute with the credit bureau and Mohela responded that the loan balance is accurate even though the account should be marked as paid in full at this time.
Product: Checking or savings account

I made a cash payment using my ATM card at another bank. I just found out that Chase charged me {$75.00} for non ATM cash fee. This is something they never disclose to me. Chase is just 2 minutes from me. Had I known about this fee, I would have just walk to their branch and get my cash but they never informed me about the fee until when I saw that on my statement and I called. The first person who picked my call said they will look into that and they ended up hunging up on me. I called again and the guy who picked said he will not remove the charged. 

I need this is charge removed because this is not fair. Chase is stealing from us and that need to stop already.
Product: Credit card

Someone opens a credit card in my name without my permission I lost my wallet and social security number and I start receiving calls and I saw a billing on my credit report and my credit score dropped
Product: Debt collection

In 2019 I sent a Cease and Desist Letter notarized/Certified Mail ... This is not my debt and they continue to sell this fraudulent debt to other Debt collecting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency cant furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Checking or savings account

On XX/XX/year> I received two charges on my account one for XXXX and the other for XXXX dollars, both from a company that not only does not even exist but charge me for homeowners fees. I do NOT own a home, the name of this " company, '' XXXX XXXX XXXX does not exist and there is no business profile for it whatsoever. There is, however, a XXXX XXXX XXXX. right down street from where I live. SoFi will not listen to me and the information they provided was to a site I needed a username and password for, neither of which I had nor would they provide.

This is blatant fraud and it is clear they have done nothing to look in to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- REAL ESTATE LOAN 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX is when I had received the loan. Legally its suppose to be off my credit in 7 years and its been over 7 years and they wont let me dispute it.
Product: Credit reporting

There is a collection account on my Experian and XXXX credit file from XXXX XXXX in which I 've never had any account with. I 've disputed this account for a very long time with attached police identity theft report and have even contacted XXXX regarding the account. They recently told me on XX/XX/2017 that they did n't know why it was on my credit file because they were no longer reporting or updating the account with any of the bureaus. Also, it was a fraudulent application in which the card was issued to some address that isnt mine and XXXX acknowledged that. A proper investigation would clearly demonstrate that it was never my account. I requested that Experian and XXXX remove it at once and I 'm still demanding so. Experian I 've contacted by certified mail dated XX/XX/2017 and sent at XXXX XXXX that day. They claim they verified with a letter sent to me dated XX/XX/2017. XXXX says they have not validated, reported, or updated. How is it that these agencies ( Experian & XXXX ) continue to report this account?
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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX has violated my rights, XXXX XXXX XXXX XXXX  XXXX, has violated my rights, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights, XXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rights, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights, XXXX XXXX XXXX XXXX  XXXX has violated my rights, XXXX XXXX XXXX XXXXXXXX has violated my rights, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act these accounts has violated my rights. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written Instructions. 

XXXX XXXX XXXX section XXXX ( A ) States I have the right to privacy. XXXX XXXX. XXXX. ( A ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the follow items of information any other adverse item of information Any other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX. 

XXXX XXXX  XXXX ( A ) ( XXXX ) 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: Debt collection

Thank you CFPB. I disputed this debt on my credit reports by using the dispute options with all XXXX credit bureaus. My dispute explained that the bill was paid on time with the original creditor and it was never in danger of going to collections. I had no idea it was in collections because I paid it. After I disputed the debt, the collection company still kept reporting the debt on my credit reports. This negatively impacted all of my credit scores by reducing my credit scores. This hindered me from using my credit while this collection account appeared on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$330.00} XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$7500.00} ; XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
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. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : 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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} TransUnion : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00}
Product: Bank account or service

I have the Rushcard and been locked out of my account, been hit with late fees on numerous bills, no food, no access to my money since XXXX XXXX. My rent is due this week and have no access to my money ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to KIA on several occasions to get this late payment removed from my credit profile. The account was paid off XX/XX/XXXX and is now closed. I have reached out to Kia several times to try to resolve this issue by multiple phone calls and certified letters. The issue has not been resolved to my satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out on XX/XX/XXXX2022 and received no response from department of educationXXXX XXXX in which I followed up on XX/XX/XXXX via certified mail with returned label in which I received no response. They received both correspondences on XX/XX/XXXX2022 and XX/XX/XXXX2022 in which there still has been no response and it is XXXX/XXXX/22. It's now going on 67 days with no response from the original complaint date. It's under my understanding that there are laws put in place to protect consumer rights correct? By law these items must be removed from my credit report since the creditor did not respond within the allotted 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was hit with a charge off report in XX/XX/XXXX regarding a loan I never made with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MT. XXXX XXXX XXXX is a tribal lender of the XXXX XXXX XXXX. The XXXX XXXX, XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX. XXXX, XXXX , XXXX and XXXX XXXX XXXX ) recently were green-lighted for investigation under the CFPB by U.S. Court of Appeal for the XXXX XXXX. The Bureau initiated  an investigation into the Tribal Lending Entities to determine whether small-dollar lenders violated federal consumer financial laws. 
A dispute for this error on my report was filed with TransUnion on XX/XX/XXXX as well as a letter sent to the creditor directly on XX/XX/XXXX by email to XXXX, XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX responded to my request and requested a police report and affidavit. At that point, I did not have any information to suspect how this information appeared on my credit report. Therefore on XX/XX/XXXX I requested that XXXX XXXX XXXX supply to me a full accounting of the loan allegedly made by me. On XX/XX/XXXX, XXXX XXXX XXXX indicated to me by email that I must supply them with my credit report to which I adamantly opposed giving any information to a lender I did not initiate contact with for any such loan. 

To date, XXXX XXXX has not responded to my request to provide a full accounting this loan is valid.
Product: Credit reporting or other personal consumer reports

Consumer revoked furnisher, XXXX XXXX  ability to report my private information to any non-affiliated third parties per FCRA and the Electronic Transfers Act. 

Furnisher response : Due to your dispute, we will continue to report your account as 'disputed ' until you advise XXXX to remove the dispute status. We report to the following credit bureau reporting agencies : Trans Union 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 They are willfully non-complying with my request and under FCRA and the Privacy Act of 1974, that is a violation. Under the FCRA, willful non-complying carries a penalty of {$1000.00}, per violation ( 15 U.S. Code 1681n ). My privacy is being violated by the furnisher and the non-affiliated third party agencies listed above. Please remove the trade line. 

Each month after the date of XX/XX/XXXX that XXXX XXXX  continued to report is a willful violation on their part and any third party reporting my private record. 
5 US Code 552a.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXX XXXX, Account # XXXX name XXXX XXXX :, Account name XXXX XXXX XXXX  # XXXX, Account name XXXX : XXXX XXXX, has violated my rights. 

I looked at my credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

XXXX I graduated with my electronic XXXX XXXX degree. I was promised help in getting a job afterwards. XXXX XXXX college helped with my resume but that was it. I still don't have a job in my field and it's XXXX. They broke their promise on helping to put me in my field of study. It was also not fully explained how I would owe XXXX dollars for my student loans.. The company I was with was Navient. I am now XXXX  plus in student loan debt.
Product: Checking or savings account

I called Chase bank two days ago and they told me they was closing my checking account I have had with them for two In a half years and I have been in good standards with them and I asked why they wouldnt give me a reason and just said they no longer wanted to do business with me now I get my unemployment payments every two weeks direct deposited in my account and they will not let me get my money I contacted unemployment and they said they couldnt reverse it because it was sent to the bank all I want is my money Im behind on bills do to the covid19 this is so unfair and Im one of many they are doing this too