23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Four unauthorized transactions were made XXXX total XXXX I received a text from discover bank stating were declined and for me to respond if I recognize such transactions y reply No! And call them back as instructed by them talk to discover rep and she told me I have nothing to worry about it those transactions were fraud and they will credit my account and proceed with investigation waited a few days and contact discover bank because no money is been credited I was told by rep they were valid transactions no credit issue I talk to a supervisor XXXX and she told me to forward initial text accepting or rejecting transactions. Also obtain XXXX police report # XXXX forward to them. discover bank is failing to protect customers assets
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the listed company has an unapproved inquiry on my credit report. Below are the name of the company and the dates on which I acquired the inquiry. 
XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX are reporting incorrectly on my credit reports and not removing them accordingly. They are reporting two accounts on my equifax report and even after dispute they are still reporting incorrect information which is resulting in a lower score. I need the account removed off my report.
Product: Credit card or prepaid card

I was given a care credit card by the XXXX office back in XX/XX/XXXX, which never explained to me how the card worked, only that once the no interest promotion ended, interests would start to be charged. I was never told that once the promotion ended on XX/XX/XXXX, I was going to be charged a lump sum, in this case, over {$1000.00} dollars for interests that were not paid since the promotion period started. I called the card company and all they said was that if I paid in full for the original amount, the interests would be waived, and that all of that was explained in the statements, which is not true. I don't see where it says that during the promotional period, interests would accrue and must be paid as if the promotion never existed. In other words, that is false advertising, no one ever said anything about that, I have never had to pay backdated interests for any promotion!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous inquiries and a public record listed on my credit report that I have no knowledge of. I have no knowledge of ever having a bankruptcy. These inquiries were not authorized or initiated by me and was a result of fraud or malpractice.
Product: Credit card or prepaid card

Navy Federal has violated the Fair Credit Billing Act and the Truth in Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an erroneous Chapter XXXX bankruptcy with TransUnion several times this year. The bankruptcy is dismissed and is not associated with any accounts on my credit report. TransUnion has failed to provide proof that the public record belongs to me. I have requested a valid and reasonable method of verification and it has not been provided. My request for the information has been ignored which is a violation of the FCRA. 

The item has already been deleted by XXXX and XXXX after an investigation.
Product: Money transfer, virtual currency, or money service

zelle has no safety features or any regulations when sending money.
Product: Student loan

Nelnet my student loan provider is charging me interest but says I was placed in a forbearance by the Department of Education. The email said that my student loans should not accrue interest and while in this forbearance but it is. Nelnet is increasing my balance with interest and it is also being updated on my credit report impacting my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Bank {$6000.00} Open XX/XX/year>XXXX XXXX XXXX XXXX {$7800.00} Open XX/XX/year> XXXX Bank {$9400.00} XXXXXXXX XXXX  {$9700.00} XXXXXXXX XXXX {$7100.00} XXXXXXXX XXXX  {$13000.00} XXXX XXXX XXXX {$1200.00} I was a victim of the XXXX XXXX breach, I've reached out to XXXX credit report XXXX as well as Experian and I've sent over police reports as well letting them know these account were open fraudulently, and that theses account should be removed from my credit report immediately but still it hasn't been removed at all
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly.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
Product: Debt collection

I'VE CONTACTED PHOENIX FINANCIAL SERVICES TO VERIFY DEBT IN WHICH THEY'RE UNABLE TO BECAUSE OF HIPPA VIOLATIONS WITH THIS BEING AN HOSPITAL ACCT LINKED TO XXXX XXXX XXXX. THIS DEBT LISTED IS A HIPPA VIOLATION IN WHICH THE 3 BUREAUS KEEP REMOVING AN CONTINUE TO PLACE BACK ON MY CREDIT REPORTS WITHOUT ANY WRITTEN CONTACT WITH ME. THIS NEGATIVE DEBT REFLECTS POORLY ON MY CREDIT REPORTS AN THE 3 BUREAUS ARE UNLAWFULLY PLACING HIPPA WITHIN MY CREDIT FILES. PLEASE ASSIST WITH THIS MATTER. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SS # ENDING IN XXXX
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX and 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

XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX On XX/XX/2020, an 30 day late was reported on my credit report I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing i was late to support your inaccurate reporting on my account, if you can not supply this, please delete this alleged late payment from my credit report for reasons that it is not a invalid late payment the FCRA allows 30 days for this to be rectified
Product: Checking or savings account

My direct deposit from my employer did not post early or on time with the actual pay day. XX/XX/year> is the actual pay day and my funds are not showing. When discussing the issue twice with Capital One Bank, I received conflicting information on the status of the resolution. Now I have other commitments late and occurring late fees due to this issue.
Product: Credit reporting or other personal consumer reports

Hard inquiries were added without my consent. Requesting immediate removal under 15 USC 16c-2.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau Consumer ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. In addition ; there are several XXXX accounts that I have been back and forth with that Experian will not take the time to thoroughly investigate. Please look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows on these dateXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX No actions were taken by the company
Product: Credit reporting, credit repair services, or other personal consumer reports

A two days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each year, I request my free credit report from each of the three Credit Bureaus. I do this on-line. XXXX XXXX and XXXX are very responsive. However, EVERY year Equifax takes all of my information and then says that they can't verify my identity and force me to submit a written request with LOTS of backup documentation. I have even established an account with Equifax which I managed to use a couple of times to create a " freeze ''. Now, I can no longer log in to that account to try to get my free Credit Report. They even advertise that they will automatically send a free credit report annually to account holders. They don't. 
I have told their customer service of these issues and I get no help. 
My most recent try was XX/XX/XXXX. 
The last time that I successfully got a credit report from Equifax was XXXX. 
They need to clean up their on-line responsiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX XXXX XXXX which is reporting a debt that is not from credit or a debt that is owed. This is not an item that belongs on a credit report.
Product: Credit reporting

Equifax is intentionally reporting incorrect information and not removing items when directed by the creditor. I am in the process of filing a XXXX dollar law suit against Equifax. I recently disputed the XXXX XXXX account with Equifax advising that my payment history for this account is not correct. Equifax decides to complete the investigation on XXXX/XXXX/2015 which still shows the account as delinquent. Equifax could have not completed a complete investigation as XXXX XXXX sent Equifax notice to update the account on XXXX/XXXX/2015. Equifax has caused me damage and continues to be malicious in it 's handling of my credit file. Attached is a copy of the record that XXXX XXXX sent to Equifax to update the account.
Product: Vehicle loan or lease

( CAPITAL ONE AUTO FINANCE ) at ( XXXX XXXX XXXX XXXX, TX XXXX ) has been sending me collection notices in the amount of ( {$49000.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXXhree negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXXn cant provide to myXX/XX/XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account : XXXX has violated my rights under 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Student loan

I have two loans through Navient ; the direct parent plus and the parent plus loan. The interest rates on each loan are 7.9 % and 8.5 %. THIS IS ASTRONOMICAL. I, as the student, and the payer of these loans have called multiple times trying to figure out a way to reduce the interest amount, which I will say again, IS ASTRONOMICAL, to no avail. I apparently ca n't do anything on this loan since my mom is the cosigner. So, my mom has also called many times trying to figure out a way to reduce the interest rate ... yet again to no avail. The loans entered repayment in 2008. These are 2 of 10 loans that I have. I pay over 1000 $ a  month in student loan payments. I have a career as a nurse and have to live paycheck to paycheck because I am so shackled by payments, with insane interest rates, such as these. Both my mother and I have been told " interest rates are set by congress '', which is why this ca n't be changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As 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 no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent account and inquiries in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these account and inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these account and inquiries are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an delinquent past due account on my credit file, that doesn't belong to me or I am associated with, I have contacted Experian/XXXX with no successful resolution. It says the account was open on XX/XX/2017 and the original creditor was XXXX XXXX , whom I have no idea is, or what products they deal with. This new collection has dropped my score over 40 points due to this derogatory item.
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  and 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 card

I had my credit card payment setup with automatic bill pay. It was to be paid in full every month upto a limit of {$1200.00}. The limit was set to protect against fraud on Credit card. BOFA did not make payments and total amount exceeded {$1200.00}. They then charged late fees and interest. I looked at the account online and it showed automatic payment setup. I went to branch and requested an explanation. 

They made some called and then asked me to sign on to my account to show me that there was not automatic bill payment setup.. THIS IS NOT TRUE. I came home and logged on and there was no bill payment setup. The change for this payment was not done by me. 

BOFA is not being upfront here. They made the change not me.