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

In accordance with the fair credit reporting at 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 2.

It also states a customer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The rule change, announced on XX/XX/year> would prevent medical debt from appearing on consumers credit reports medical debt can have a significant impact on a persons life. People who get sick shouldn't have their financial future upended. The debt is only showing on one credit report which is XXXX my report has to be 100 percent accurate according to FCRA
Product: Vehicle loan or lease

Alliant requested an updated copy of my insurance. I provided this to them via the method of their choosing and uploaded it online. It said the next day additional information was needed and a phone call was required with their third party service. I did that and was told that everything was fine and good to go. These events are documented. A few weeks later I get a letter in the mail stating that I do not have insurance on my car and that they have force placed insurance on me in the amount of {$4800.00} that will be added to my car payment. 
Aside for providing insurance in the method of their choosing. I additionally demanded an email address that I can send a copy of to. They provided XXXX and I sent a copy there as well. In addition to this I had my insurance broker XXXX XXXX reach out to help resolve this issue. Alliant will not correct this issue. They will not put in writing that my due diligence has been fulfilled. At no point in time in my entire life has any of my autos ever had a lapse of XXXX second in coverage. They will not return my multiple email requests for WRITTEN confirmation. Alliant is XXXX breaking the law with their practices.
Product: Student loan

In the summer of XXXX I received notice from ECMC that they were the new servicer of my loans. I had previously requested economic forbearance due to my ability to maintain payments beyond XXXX. I was surprised to learn that they had an additional XXXX dollars added to my original XXXX. I had consolidated in XXXX at an extremely low interest rate. The loanvis listed separately on my account because I never consolidated it because I never borrowed the money. ECMC said there was no forbearance although I had received correspondence it was in place. They called me and threatened me several times a day for 6 months starting in the fall of that year. I was nervous to take promotions or attempt to work due to the constant threats. I found out that XXXX XXXX was the under writer for the loan which had ballooned to an additional separate XXXX dollar loan these were explained to me as service charges. In XXXX I reconsolidated and with XXXX  and ECMC allowing me an IDR option that started as a 10 year plan but due to a compromise I was lost in the system. In XXXX someone changed my contact info from XXXX to XXXX on my contact area code and changed the spelling of my email to XXXX from XXXX. This was affected at my job my bank at studeng loans and locally the XXXX XXXX has it incorrect as well. I was notified earlier in XXXX that I was part of the affinion breach in XXXX from XXXX XXXX and the XXXX and possibly the XXXX XXXX XXXX breach
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Last XXXX SSN : XXXX FTC Report Number : XXXX EXPERIAN have to remove the Credit Inquiries that i never recognize on my credit report that is fraud and they have to remove it ASAP, those credit inquiries not done by me and i not apply for NONE of those CREDITORS so please REMOVE it IMMEDIATELY from my CREDIT REPORT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX, XXXX to remove these inquiries and all attempts failed.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I met with a man by the name of XXXXXXXX XXXX XXXX in regards to renting a home. I provided him with my personal information and he approved me to move into one of his units. I paid {$1800.00} out of pocket and {$200.00} was due at my time of move in. On XX/XX/XXXX I was asked to met him at the unit for a final walk through at which time he demanded that I XXXX  him the remaining money in the amount of {$400.00}. Alone and scared I complied. I was given keys yet asked him to fix items that were wrong with the home. On XX/XX/XXXX I showed back up to the only to find him living in the unit. He physically removed me from the home. I went on XXXX and saw that he created a new posting and was attempting to scam other residents. He blocked me from all forms of communication, showed up at my job and completed authorized transactions on my banking account. The XXXX  reference number is XXXX
Product: Credit card or prepaid card

I ordered a bicycle online on XX/XX/XXXX. I got the shipping confirmation, but the bike never came. I attempted to contact the merchant unsuccessfully ( no phone number, invalid e-mail ). I tried to file a fraud complaint with XXXX but was unable to ( it was not on my XXXX account ; I could not get a person on the phone ). I entered the USPS tracking number provided on the shipping confirmation and that was bogus, too. It said the item was received XX/XX/XXXX, two days before I ordered it. 

I checked my Barclay 's statement, the charge was on there, so I filed a fraud claim with them ( online XX/XX/XXXX followed by the attached letter on XX/XX/XXXX ). I received a letter acknowledging my dispute and tried unsuccessfully to call them several times in early XXXX, so I sent the letter on XX/XX/XXXX. 

I just received my XXXX statement and they put the disputed charge back on my account. I have heard nothing from them, nor can I reach them. I disputed the charge again yesterday on line and tried calling again today.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX  XXXX XXXX, XXXX. 
on XX/XX/XXXX with a balance of {$35000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On [ XX/XX/year> @ XXXX PM ], I initiated a transfer of {$120.00} on accident from my XXXX spend acct to my XXXX XXXX balance. I immediately recognized I had sent {$120.00} instead of the {$1.00}. XXXX I had meant to send, so I immediately initiated an instant transfer to my XXXX XXXX XXXX XXXX spend account via my saved/linked debit card-which Ive done multiple Times and never had an issue with, within a few days of this happening. -so Instant transfer was for XXXX @ XXXX PM- XXXX XXXX says success - it briefly popped up as pending on my XXXX spend acct - so I thought maybe it would just take a min-system is slow or whatever-checked again and the pending XXXX was gone- never deposited into my acct- I also did another transfer from cash app to my XXXX spend account for XXXX $ @ XXXX pm just to see if it would go thru, which it did, no problem.. Looking at my statement from XXXX spend acct you will see they tried to put that amount in but its all out of Order so luckily, I have all my emails and screen shots and XXXX XXXX invoices/chats/etc. ; to prove the timeline. As you will see below in screen shots, I Have initiated chat with XXXX agents multiple Times- Those are Only XXXX or XXXX of the about XXXX chats. Im told a dispute is open then Im told they cant open one then one time a female agent just needs my ssn and email to check on dispute. Then said she can't do anything and directed me to XXXX number, which once again i explained due to hearing XXXX i was unable to call., ,When I asked to speak to her manager, she ended the chat immediately ... Its now XXXX plus days that my money went missing in credit karma spend acct and this is NOT ok. Unprofessional, fraudulent & cash app as you will also see has even sent their end where it says the XXXX XXXX received it and gave a tracing number & acquire # that no one at credit karma seems to be able to work let alone answer or explain where my money disappeared to... I have attached the relevant transaction confirmation screenshots, chats, inquiries, disputes, emails, and bank statements for your reference. While XXXX XXXX has been responsive and willing to investigate, it appears that the issue lies with Credit Karma Bank, as they have not properly credited the funds to my account.Ive sent multiple requests, emails, and 3 days ago had a final demand letter drafted giving them an additional 3 days to fix this situation to which they once again refuse ... XXXX XXXX XXXX  INVESTIGATION TEAM SHOWING TRACE/ACQUIRE NUMBERS TO SHOW THE MONEY SENT FROM THEM WAS INDEED RECIEVED, AND ALSO BY YOUR OWN EMPLOYEES EMAIL AND MY MONTHLY BANK STATEMENTS PROOF OF FRAUDULENTLY KEEPING MY FUNDS/INACCURATE RECORDS, AND FINANCIAL STATEMENTS/FALSE CLAIMS OF THE WRONG Information STATING INSENT OUT THE MONEY BUT NEVER RECIEVED ANY Back WHICH IS THE EXACT OPPOSITE OF WHAT YOUR OWN RECORDS SHOW ... .THE LIST OF PROOF COULD KEEP ON
Product: Credit card or prepaid card

I am my mothers POA. She has XXXX and has a letter from the doctor that she is not to able to handle her financial affairs. There is also a cease and desist letter on file that she is not to be contacted. On XX/XX/XXXX, Bank of America called my mother and had her pay {$600.00} over the phone. This was immediately withdrawn from her account. Because my mom is on a limited income, and her income only overs her month to month expenses, she will now have checks bounce. I will have to monitor more carefully. 
I spoke with BofA yesterday, and asked to have the XXXX $ refunded back to her account. After several hours, and much runaround, I finally was able to do so. However, the complaint is that it will take 7-10 days! Interesting how in a matter of minutes they can harass my mother to pay and its withdrawn from her account to theirs, but it will take 7-10 days to have it returned. This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 604A. 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 proper written instructions.

15 U.S.C 1668b. Also states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

My identity was used to take out a student loan in my name using my social security number. Contacted ed financial discussed the issue and was advised I would receive a fraud packet via mail and email I have asked several times now. I have still have not but have provided them with the police report also. I do not attend a school nor live and havent lived in Louisiana. Only thing they want to do is attached my actual information to the loan and state thats how they would be able to get it sorted. Even though they have my information in the notes on the account. Also Ive asked them several times to not attached my info to any thing associated to this on their end which now they have attached my email after being told not to on their own free will ( representative was name XXXX XXXX. I do not have any involvement in this so called loan and have told them this several time. Now they have deferred the payment from what Ive seen on my credit report which is not right.
Product: Credit card or prepaid card

While attempting to get a free credit report from TransUnion I was asked for my credit card number. I thought that were using the number to check my credit but instead they deceptively signed me up for a subscription. I just noticed that I'd been charged. XXXX for the month of XXXX, XXXX and XXXX of 2019. I called them and explained that there online experience was deceptive and explained what I was trying to do. I also told them they I hadn't signed into the account after getting my free credit report, therefore, did not use their service. They refused to refund the charges but did agree to cancel my account.
Product: Credit reporting or other personal consumer reports

My husband and I bought a couch set from rooms to go in XXXX of XXXX. We split the purchase since rooms to go provided us with a refund through our warranty but that was credited to his account since the sale generating the refund was done by him-my husband XXXX XXXX XXXX 
In XX/XX/XXXX I got a notification that my own rooms to go store credit card was over the limit which is literally not possible since at the time of purchase only available funds on the account could go towards the purchase. 
This caused my credit score to drop immediately I called rooms to go explaining the situation that they overcharged my account but only got sent around and round in circles from one manager to the next. 
I took it a step further and contacted synchrony who informed me that they see the mistake but would need rooms to go to validate and update on their end so it can be reflected in their systems. 
I waited 6 weeks and nothing happened. Just promises to follow up with me. 
I went in the stores - Rooms To Go XXXX XXXX XXXX XXXX  and rooms to go on XXXX XXXX XXXX. 
I spoke with the managers there as well as had a conversation with a synchrony rooms to go representative while in the store and explained everything again. 
The representative Stated he was not able to provide me with a transcript of the call but they have logged the case and will begin investigating. 
Because of the overcharge I could no longer afford the monthly minimum although I continued to make payments at the time. 
More time went by and no one followed up I have written proof from a manager at the store admitting that they did overcharge me and was instructed to follow up with a XXXX  manager who never got back to me. 
Efforts with synchrony bank were wasted as they refused to provide me with detailed accounts of each transaction and pay, eng to the account to help establish the errors. They also did not do their due deligence in validating the errors on my credit reports and fixing my account. 
They have closed the account and I am still, a year later dealing with this mess and no I do not qualify for anything. 
I have retained a consumer lawyer- XXXX XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX 
Phone number XXXX since XX/XX/XXXX but they are still getting push backs and nothing has been done yet. This is significantly derailing my mental health and my familys well being and I am asking that this debt be correctly validated with proof-my signatures next to each purchase everything, how they came up with all their values and fees and if not all my credit reports need to be corrected and updated and all derogatory remarks removed.
Product: Student loan

XXXX XXXX was supposed to have mailed to me another IBR form, but I have not received it. 
I knew not where to have begun ... e.g., when I was an XXXX, a university that I withdrew from officially and transferred from changed my financial aid information repeatedly, more or less daily, without my knowledge or consent, so that it received money instead of the university where I was actually enrolled ... The most recent major issue that I had was that the loan company tried to have consolidated bogus loans instead of the real ones ... 
I knew where this will have ended ... I XXXX  almost twenty years ago, but was expected to have been in debt another 30 years or more ... The loans will never have been repaid. Whoever loaned the money knew the risk ...
Product: Credit reporting or other personal consumer reports

SOMEONE OPENED A XXXX XXXX XXXX in name making payments which impacted my credit, etc. I was terminated from multiple jobs, lost my car and evicted. I have not been able to hold employment due to this situation, XXXX level, etc. I filed an identity theft report and I only found out about this in XXXX of XXXX  I WANT THIS ACCOUNT REMOVED FROM ALL OF MY CREDIT REPORTS INCLUDING THE NEGATIVE INFORMATION ASAP OR {$34000.00} WILL BE PAID IN ADDITION TO THE REMOVAL FROM ALL INFORMATION FROM CREDIT REPORTS ABOUT THIS ACCOUNT! Additionally, I have been sleeping in shelters, motels with vouchers, the streets, or abandoned places and public bathrooms. Every program has informed that I need help beyond their qualifications and housing is waitlisted. I CAN NOT GET HOUSING ASSISTANCE, A JOB NOR A CAR WITH THIS ON MY CREDIT REPORTS AND I HAVE BEEN ABANDONED BY MULTIPLE PEOPLE IN MY LIFE LEAVING ME TO DO EVERYTHING ALONE!!! I HAVE BEEN HOSPITALIZED FOR MULTIPLE OVERDOSES IN WHICH I WAS CONTEMPLATING XXXX DUE TO THIS SITUATION!!
Product: Credit card or prepaid card

Barclaycard refuse to lower my interest rat, causing me extreme hardship. I have requested printed statements and they refuse to send me a printed statement. I usually require assistance to go online, whereas a paper statement I can read.

BARCLAY BANK DELAWARE
Product: Mortgage

We contacted AmeriSave in XXXX about refinancing our 1st and 2nd mortgages. We informed them that we had filed a Chapter XXXX bankruptcy and were nearing the end of our 3 year term. Our loan originator, XXXX XXXX, told us that we would need to wait until we received the discharge from the bankruptcy court before she could proceed with the FHA loan application. We received the discharge XX/XX/XXXX and were notified on XX/XX/XXXX, at which time we paid the {$500.00} application fee and proceeded with the loan. At that time, our application was then forwarded to the Sr Processor, XXXX XXXX. We encountered several preventable delays, i.e., the title search took two weeks and when I asked XXXX XXXX the reason for the delay, she informed me that AmeriSave generally gives the title company 10 days to complete the title search. After 12 days ( XX/XX/XXXX ) I contacted the title company directly and was informed that they had not even begun the title search because they could not find the property. I immediately gave them the parcel number and the property description and they were able to complete the title search ( XX/XX/XXXX ). We became increasingly frustrated with XXXX and complained to her supervisor, XXXX XXXX. XX/XX/XXXX XXXX XXXX told us that the underwriter would not accept the loan payment history that was provided by the mortgage company so we provided XXXX XXXX with monthly statements. It was also then that we were first notified that we needed to get a letter from the bankruptcy court giving us permission to enter into the loan. We contacted the bankruptcy court and were informed that the case was closed. Because of AmeriSaves inactions, we have now been placed in a situation where we are unable to get any kind of financing for 12 months. Any company that engages in FHA mortgages should have known the requirements, i.e., we should have been allowed to begin the process prior to being discharged, and we should have been told about FHA requirements in the beginning.
Product: Money transfer, virtual currency, or money service

Went tried to get in touch with customer service. Its no answers and I dont have fraud happen on my account number of times.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I demand the following accounts be verified or removed immediately. 

Account Name Account Number XXXX XXXXXXXX XXXX I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation out come to be sent to my address I put on the from area. Thank you for your time and help in this matter