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

Hello. I recently reached out to the companies involved as well as Transunion customer service and they did not do anything about it. Im a victim of Transunion inquiry issues. 
the inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX BLOCKED MY CREDIT REPORT AND REQUESTED PERSONAL INFORMATION THAT I PROVIDED TO RESOLVE ISSUE. 
IT GIVE ME EQUIFAX ERROR CODE XXXX  THAT NEEDS TO BE FIXED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a company named XXXX # XXXX AMOUNT {$59.00} reporting this collection account that doesn't belong to me. I was never properly notified about this account by this agency. I would like this account removed from my reports immediately.
Product: Credit reporting or other personal consumer reports

According to 15 u.s.c1692c by law a exprerian credit have violated my right by in lawful communication. I have tried to resolve this dispute I would like them to remove this information from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in Identity Id dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check and correct the payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX Balance : {$93.00} XXXX  XXXX Balance : {$24.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My info was exposed in a data breach Ive had unknown people contacting me with all of my information
Product: Credit card or prepaid card

I work as a XXXX XXXX. Currently, I have XXXX credit cards with J. P. Morgan Chase. They closed all my credit card account in one day suddenly without any type of notifications on the date XXXX/XXXX/2017. I did n't use the card for any illegal action. I did n't violate any of their issued credit card regulation. And I paid all my bills on time, never late for a day during the 11 year period of time. And my credit score is very good. I ca n't not think of any reason why they did this to me without any kinds of explanation.
Product: Credit reporting or other personal consumer reports

Someone took my social security number and personal information and opened a XXXX XXXX account on XX/XX/2024 and the debt of {$130.00} was sent to collections. I have called XXXX and they could not provide an account number due to customer privacy but did give me a phone number attached to the account. That person additionally used my social security number with XXXX credit union on XX/XX/2024, opened a loan and subsequently was approved and able to withdraw {$20000.00}. I have called XXXX and alerted them to the fraudulent activity and they are aware. I have also reported this to the police department on XX/XX/2024. We have frozen our credit line on the XXXX major credit bureaus : Experian, XXXX, and XXXX
Product: Debt collection

I have disputed this with the XXXX credit bureaus. I just received one of my disputes stating this bill of {$78.00} has not been paid ... This bill has been paid on XX/XX/2013 RE : XXXX in the amount of {$78.00}. I have even overpaid by {$0.00} and is still showing up in collections on my Credit Report. I have a letter from XXXX reflecting the payment of {$78.00} on XX/XX/2013. I want this deleted on my XXXX Credit Reports, or showing this has been paid in full.
Product: Payday loan, title loan, or personal loan

We have auto insurance thru USAA. Our policy renewed every 6 months. State of Kentucky charges taxes on the policies. Our XXXX XXXX, XXXX, KY charges 10 % as well. USAA requires us to pay these taxes upfront on the first premium rather than prorated monthly. USAA charges a fee of 15 % of the policy they say, to collect for the XXXX, XXXX, KY. Per state they say that USAA can charge a fee, but was also puzzled as to why taxes wasnt prorated. In prior years they were and I wasnt aware of a fee from USAA. It was only noticed when my bill increased largely and I am to pay {$430.00} next month. ( Taxes are totally up to be over {$300.00} a year ). They ( KY ) checked the numbers to insure the state and local % was correct but was silent with the answer on this question. I personally believe that this problem stems from XXXX not accepting this but rather want upfront. Something that is beyond our control as far as laws ( XXXX ). So the question is ( 1 ) why such a big fee of 15 % by USAA. ( 2 ) Is XXXX, KY the problem? ( 3 ) Is XXXX receiving a portion of this fee ( They made over {$450000.00} for 2021 on premium taxes ) " There is also a collection allowance that may be added to the local insurance tax by the insurer to offset the cost of collecting the tax for the local governments. ( Key words ) This allowance is limited to 15 % of the tax or 2 % of the premium, whichever is less, and it usually appears on the premium notice as part of the local tax. " -Insurance institute of XXXX My son has XXXX, so they do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Ally Financial to try to get more information as to why I was reported late XX/XX/2017 and XX/XX/2017 and they couldn't locate my account with my social, account number or address. I requested payment history which I haven't received and I disputed these lates. According to the rep she was able to request the dispute and payment history but coulnd't locate my account which makes no sense at all. I have been very responsible paying this account as well as all of my other accounts and these lates are reporting incorrectly, they're unverified and they are ruinning my credit. I am trying to refinance my home to get an affordable payment in this pandemic and these lates are preventing me from saving my home. This is against FCRA laws and against my consumer rights.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$3700.00} XXXX  XXXX XXXX Balance Owed : {$57000.00} XXXX  XXXX XXXX Balace Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance : {$79000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balace Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$80000.00} XXXX XXXXXXXX XXXX Balance Owed : {$970.00} XXXX  XXXX XXXX Balance Owed : {$57000.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00}
Product: Credit card or prepaid card

I have 2 secured credit cards with FIRST PROGRESS CREDIT CARD that I was using to rebuild my credit 10 years ago. I've put this card on the side and rarely use it. Until last month, AFTER I was hit with late fees because I did not pay the $ 39 yearly fee to have the account, I rarely received correspondence of any kind from this company. I paid off the balance because I figured I may have made a mistake. Then I started paying VERY CLOSE ATTENTION to what correspondence was coming in from this company. I've received statements/bills for XXXX & XXXX. Both of these statements have had a XXXX balance. Today I found out, through a company I am talking with about a consolidation loan/restructuring, that I have a {$150.00} balance on one of the 2 cards. This was NOWHERE in the statement/bill I received. I called the company 's customer service. The only way I was able to speak to a person was by telling the automated system that my card was lost/stolen. They have no other option to actually speak to a person or deal with a problem the automated system is not set up. I also found out that the customer service representatives have no way of corresponding digitally. All correspondence is by USPS mail or by FAX. I was instructed that I must pay off the charges on my card, charges that were only accrued because I was not made aware of a balance, before they will even consider waving the fees that they tacked on for a charge that was not a purchase. I've close one of the cards that I have with them ( the one with no balance ) and have left open the acount with a balance in the hopes that this can be resolved amicably. 

This is the most obvious form of predatory lending I, personally, have ever experienced. They are using one account against another to confuse the situation, demand payment of charges accrued due to their abnormal and purposefully difficult business practices, then expect me to pay them and fight for a reimbursement. They send me a bill for one account but not the other that has a balance
Product: Checking or savings account

XX/XX/2024 ( Thurs  ) - I deposited a VALID XXXX check amount of {$700.00} sent to me as a form of payment.

XX/XX/2024 ( Wed ) - Check is returned XX/XX/2024( Mon ) - I noticed my XXXX is suspended, and my banking account is closed I leave work to check this problem. First, I visit Regions at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, at XXXX pm. I spoke to XXXX at this location, and he explained the check passed as fraudulent, although it was not. He explained that since it was the first time it happened, the Regions location where I opened my account should be able to write a note to open my account back up. He explains why the check is fraudulent, and I explain why it is not. He does not seem to want to comply or understand that the check is not fraudulent. He sent me to the bank where I opened my account in Regions location XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I go in to speak with XXXX ( or some of the sort I do not correctly remember the name ) at XXXX but the teller says she is on break until XXXX pm I wait until XXXX and leave back to work because she was not back yet. 

XX/XX/2024 ( Wed ) - I visited XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, again around XXXX am. The lady explained to me that XXXX could have opened the account over at the other location and that she would " do research '' and give me a call before XXXX pm. I did not get a call from her, so I called back at XXXX pm and requested that she reach back to me. She called back at XXXX pm ( they close at XXXX pm ) and said that she was going to reach out to me, she explained my account could not be opened. She also describes how I could not open another account with Regions because of the " fraudulent check. '' She also explains how, because of this inquiry, I must open a bank account within XXXX days so other banks do not see it on my report. 

XXXX pm I called customer support at XXXX and asked if I could prove the fraudulent check was falsely accused, dispute it, and show proof that it is, in fact, a real check should I be able to keep my account then the lady who I spoke with said I should be able to do that at my local regions bank. 

XXXX pm I called Regions XXXX customer support at XXXX, and he explained to me how that should be able to be removed from my account and gave me another number ( XXXX ) that will give me more details about the case and how I can go about fixing the problem.
Product: Mortgage

I was approved for a COVID forbearance in XXXX or XXXX of XXXX. I received 2 or 3 extensions and then requested a modification in XX/XX/XXXX. The representative assigned to my account is unable to explain why my request is still under review. It has been more than 2 months since my request and I'm still waiting for a final decision. I've requested to speak with a supervisor on several occasions and the only representatives I have been given access to are regular collections agents and my assigned representative.
Product: Checking or savings account

I am victim of deceptive, fraudulent and unfair business practices not only from XXXX XXXX but this time from XXXX and Paypal. 

On XX/XX/2023 I was charged {$39.00} on my checking account for a subscription I had no previous knowledge, and I still don't understand what the subscription is about. 
All I remember is that on XX/XX/XXXX, I used the website of XXXX to edit a one page document which costed {$1.00}. I did not want to use my card for the transaction therefore I used my Papal credit to pay for it. Paypal has my bank account as a backup they can use if I default on Paypal credit ; this was not the case. 
Not only did they use my bank account for the initial purchase but they used it also to pay for a monthly or annual subscription to what product? I don't know for I have no regular use for PDF. 
I opened a claim but Paypal closed it saying they have document I signed or approved for a subscription which is obviously false.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX erroneously reporting available credit as recurring balance to credit agencies ( XXXX, XXXX, Experian ) which has decreased my credit score
Product: Credit card or prepaid card

On XX/XX/2022 we received an AMEX Credit card ending in XXXX to our address with a name of XXXX XXXX XXXX on the card, which was no one that we know. 
Rather than call the service number ( XXXX ) listed on the possibly fraudulent card, I called American Express Customer Service ( XXXX ) and struggled with the IVR that kept requesting info regarding my wife 's card which is a valid AMEX Card registered under my wife 's name at our address and at the number from which I called. 
But I was calling about a completely separate card that had been sent to my house in apparent error or fraud. Finally, I got through to XXXX ( ID # XXXX ) who transferred me to XXXX ( ID # XXXX ) with Account Security who said she couldn't help me and transferred me to XXXX ( ID # XXXX ) with the Identity Protection Team in the Fraud Department who said that AMEX is unable to tell me whether the reason I was sent the card was either an error by AMEX or a third-party fraud attempt, the latter case would require me to further investigate. She disconnected me insisting there was nothing further she could do. 
I called back, same issues with the IVR, but this time I was connected with XXXX ( ID # XXXX ) with the Dispute and Fraud department. I got disconnected from her but she was kind enough to call me back ; however, after investigating further, she ultimately came back with the same response that AMEX would be unable to tell me whether it was an AMEX error or third-party fraud attempt. 
Earlier, XXXX had suggested I call XXXX, XXXX or XXXX to check my credit. I am NOT the company with the $ XXXX Market Cap that sent XXXX 's card to the wrong address so I am not going to waste far more of my time investigating an issue with a third party when it was very possibly caused by AMEX errant processing!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. MoneyLion , Inc. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8, and 15 usc 1692b. ( 5 )
Product: Mortgage

i dont know where that XXXX reinstatement fee comes from on aXXXX loan that was15 ye ars old and i like to know who the trustees and attorneys names in this
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my family no longer have our own home due to the constant credit issues. This account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number is XXXX. I have sent disputes for investigation multiple times. But nothing has changed in regard of this account. I sent this account for investigation on XX/XX/XXXX through certified mail. It has been more than XXXX days now, and my recent credit report ( XX/XX/XXXX ) still shows many inaccuracies and violations. A few being ; payment status says " paid " for Equifax but nothing for the other XXXX bureaus. I have proof showing that this was paid to be deleted even though it was wrongfully charged to me. I paid it just to get housing for my family in XXXX. I will attach the receipt and tracking number from the certified mail disputes. 

I'm requesting monetary relief per violation on this account and deletion. 
U.S. code 1681n ( a ) ( 1 ) ( A ) Tracking Number : XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX ( Equifax ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize CAPITAL ONE AUTO FINto review my credit report. I have a extend fraud alert on my credit reports. CAPITAL ONE AUTO FINdid not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX  reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card from my bank. My partner co-signed. His credit score is much higher than mine. Mine is about a 698. We were both denied because one of the credit reporting agencies has a record saying that I filed bankruptcy. I didn't file for bankruptcy. I believe there was an action of consideration to file for bankruptcy to buy time on a legal matter dealing with my home. The legal matter has since been completely resolved. But, never at any point did I actually file for bankruptcy. I was denied a credit card based on this erroneous data.
Product: Debt collection

I would like to file a complaint on a collection agency, that is listed on my credit reports as R. S. Clark. This company is trying to collect two debts in the amounts of {$310.00} ( reported opened XXXX/XXXX/XXXX ) and {$92.00} ( reported opened XXXX/XXXX/XXXX ). I have made several attempts via fax for this company to please provide proof that this debt belongs to me. They have failed at providing the proof and have only submitted correspondence stating that they require more time to submit the requested information. The last correspondence that was received was XXXX of XXXX advising that they needed more time. As of date I have not received any other correspondence from this company nor have they requested for the credit agencies to remove the said debts. I have also disputed these allocations with the collection agencies as well and have been told numerous times that the collection agency filled out a form that was sent to them stating that the debt was mine. When I asked the credit agencies if the company supplied any proof to them to validate that the debt was mine, I was told that they do not have to submit any proof, that they just fill out a form and that is sent to them when there is a dispute. I also looked up on the Texas Secretary of State website to see if this agency is even bonded to collect in the state of Texas and found that they are not bonded to collect in the state of Texas. Their bond cancelled on XXXX/XXXX/XXXX. Can you please assist me with this issue? I have tried and done everything that I could to get this issue resolved.
Product: Credit card or prepaid card

in accordance to the Fair Credit Reporting Act JPMCB CARD .ACCT # XXXX HAS VIOLATE MY RIGHTS. 


15 U.S.C 1681 Section 604 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