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

To EXPERIAN : This is a response to the letter you emailed me today XX/XX/XXXX I clearly, specifically indicated the items to be blocked and delete and the reason why to do so. You are the one reporting fraudulent information without my written consent. You are fully aware of which reports are " your '' fraudulent reporting from the list that I submitted clearly. There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Again, do you have the Consent for Release of Information forms ( SSA-3288 ) ( SSA-89 ) with my Signature/Authentication feature giving you my written Consent That is required by law under the Social Security Act? I am not contracted with you, your reportings are fraudulent Pursuant to 18 USC 1028 youre trafficking private information on my consumer report without my consent which is identity theft. I am Demanding that the reporting ( s ) of this information be blocked and deleted Pursuant to 15 USC 1681c-2. My demand to block is not being made in error ; nor is my demand to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. " THE IDENTIFIED TRANSACTIONS ARE NOT INFORMATION RELATED TO ANY TRANSACTION BY ME AS THE CONSUMER ''.
Product: Credit reporting or other personal consumer reports

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts. 
I sincerely hope that
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( Finance ) IXXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX Inquiry-XXXX XXXXXX/XX/XXXX I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act 30 Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Debt collection

In XX/XX/2016 we hired a company to do stainless steel ( the most expensive ) to avoid to get rusty or need maintanance ) railing instalation. 
pictures of rusty material : XXXX XXXX  XXXX The original amount was {$20000.00}. 
We paid {$4000.00} as you can see the attachment. So even the letters that the collection company sent are incorrect since the Balance due is {$16000.00}. 
Also the rails are not up to code and we will need to pay another company to do a new one. The problem is not only the rusty. 
Check the architect message attached : The engineer-designer needs to review these and incorporate the ADA requirements. This design does not meet the criteria required by current Florida XXXX XXXX - Accessibility and the ADA. 

The company XXXX XXXX XXXX ( rail company ) installed materials that are rusty since the day they installed and have parts broken. 

I hired a lawyer, XXXX XXXX, to contact XXXX XXXX XXXX  and inform that materials have problems and we need change everything or more payments wont be done. 
XXXX XXXX XXXX didintchange the material and hired a collection company, CREDIT COUNSEL INC by XXXX XXXX XXXX to collect the money. 

XXXX XXXX XXXX : 1 ) calls frequently even being informed to contact the lawyer XXXX XXXX XXXX.

2 ) Does repetitious phone calls that are intended to annoy, abuse, harass any person answering the phone. 4 persons have been insulted by him already.

3 ) He uses profane language 4 ) He threats and screams every time so we hang up the phone.

5 ) Sometimes he calls, start to talk without telling who is and then he starts to scream and use abusive language.

6 ) He send letters with amounts that are not the correct amount that we have to pay after all is fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account paid off / forgiven and does not reflect on credit report. The accounts to be reflected are as follows ; XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a Bank of America Merrill Plus Visa Credit Card for years until XX/XX/2019, when this card was suddenly closed by Bank of America without my authorization or even my awareness at all. When this card was closed, I still had XXXX reward points available in my credit card account. Before my card was closed, I never received any prior notification from Bank of American that my card will be closed. Even when the card was closed by Bank of America , Bank of America never notified me this card closure either. 

Two weeks ago, when I was to trying to log into my online account, I found that my card was already closed by Bank of America. Then I called BOA credit card customer service and was told that my card was already closed by BOA in XXXX. However, I didn't even get chance to use my XXXX rewards points before the card was closed. Although in the end of this call, BOA customer service representative let me redeem my reward points for XXXX and XXXX gift cards. However, redeeming points for gift cards made me lose significant value of the points, because the points worth much higher value if I redeem them for air ticket reservations. But unfortunately, BOA customer service representative told me that I can not reactivate this closed credit card and I can not redeem the points for air tickets either. The only redemption option that she offered me was to redeem points for gift cards, which made me lose about 50 % of the point value. 

Since Bank of America closed my credit card without my pre-authorization or even any prior notification, I didn't get any chance to redeem my XXXX rewards points for more valuable air tickets. I must request Bank of America to compensate me at least {$300.00} for the lost value of my reward points. I lost about {$530.00} value for my XXXX rewards points because the air ticket if redeemed can worth XXXX cents/point but the redeemed gift card only worth XXXX cent/point. Now I only request BOA to compensate me {$300.00}, which I believe is a very fair and reasonable resolution. 

Again, I request Bank of America to compensate me {$300.00} for my lost rewards point value and mail the {$300.00} check to my address.
Product: Bank account or service

In XXXX I filed for bankruptcy. Pentagon Federal Credit Union XXXX PFCU XXXX held the mtg to a property that I owned, so they were named in the bankruptcy. There were, In fact, a large part of the reason for the bankruptcy, which I is part of this complaint. The first reason I am filing a complaint against them This past week I called to close a member account I had with them. I kept receiving statements even though I have not used the account since XXXX. The account balance was {$5.00}. When I told the C/S Rep what I wanted he said he needed to transfer me to the Delinquency Dept. I asked why as I did not have any open accounts with them. He said I had caused them to lose money and my accounts were being treated as delinquent! I asked if he knew that I had filed for bankruptcy in XXXX and these debts had been legally discharged. He said he could only tell me what was marked on my account. He then transferred me to XXXX in Delinquency Control. She said my account was being treated as delinquent, and that the notes indicated I had caused them to lose money. I told her this was illegal. The debts had been discharged, and PFCU played a large part in why I needed to file for bankruptcy. She said she would send a request to XXXX XXXX in the Bankruptcy Dept to see if he would close the account and release the {$5.00}. They were to notify me via em. Instead i received a check in the mail for {$5.00}. So, the first part of the complaint is : I have yet to know whether they are illegally treating the debt as a delinquency and if there are still derogatory notes against me. 
The second part of the complaint involves why I ended up filing for bankruptcy. I purchased my property in XXXX under a FHA loan. Then in XXXX I became XXXX and be XXXX I had used up most of my savings and was unable to work. I was living on social security. I had a secured line of credit against my property for {$67000.00}. I requested an increase of {$20000.00}. for living expenses. Normally XXXX would pay off the {$67000.00} from the old line of credit and then issue a new line of credit for {$89000.00} with a balance of {$67.00}. So when this was not done and I had two lines of credit, one for {$67000.00}. and the other for {$89000.00} I called them. I was told not to worry I qualified for XXXX. By XXXX XXXX lines of credit were used and I was having problemskeeping up with the payments. PFCU admitted their mistake but refused to help me in lowering payments. XXXX XXXX XXXX of PFCU suggested I pay them off by taking a new conventional first mortgage through them. I told him the new payments would not allow me to pay anything else. I was told this was the only solution or PFCU would take me to court. I still have the paperwork that shows my income and the new payments that I received from them. If this is n't predatory lending I ca n't imagine what is. The end result is PFCU paid off the two lines of credit and I ended up unable to make the payments. I have all the paperwork including the lines of credit.
Product: Debt collection

I received mail from NATIONAL CREDIT ADJUSTERS saying I owed a alleged debt.. NATIONAL CREDIT ADJUSTERS never sent any information including the right to dispute Pursuant to Title 15 USC 1692g ( a ). NATIONAL CREDIT ADJUSTERS never stated I had to right to have Verification/Judgement Mailed To Consumer Pursuant to Title 15 USC 1692g ( a ) ( 4 ). NATIONAL CREDIT ADJUSTERS never stated I had the Right To Dispute within 30 days Pursuant to Title 15 USC 1692g ( a ) ( 3 ). NATIONAL CREDIT ADJUSTERS is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 2 ) stated that the consumer owes any debt. NATIONAL CREDIT ADJUSTERS is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 5 ) any language or symbol on any envelope or communication indications debt collection business. NATIONAL CREDIT ADJUSTERS is in VIOLATION Pursuant to Title 15 USC 1692e ( 2 ) Im the ORIGINAL CREDITOR Pursuant to Title 15 USC 1602i CASHNET USA is also in VIOLATION Pursuant to Title 15 USC 1692c ( b ) & Title 15 USC 1681a ( 4 ) Evidence of Violations is included with this complaint ( Exhibt A )
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION / INACCURATE INFORMATION APPEARED ON MY TRANSUNION CREDIT REPORT SHOWED THE ACCOUNT WERE LATE. TO THE BEST OF MY KNOWLEDGE THE ACCOUNT NEVER LATER.
Product: Money transfer, virtual currency, or money service

I tried to link my XXXX XXXX account to my PNC account to transfer money fro. My PNC account to XXXX XXXX  and they are denying the transfer with a block
Product: Student loan

I have made the same number of PSLF eligible payments -- 38 -- on both of my loans. However, on loan sequence 1, FedLoan Servicing indicates that I have made only 28 eligible payments. 10 payments, made between XX/XX/XXXX and XX/XX/XXXX ( inclusive ), are reflected as ineligible payments for loan sequence 1 but eligible for loan sequence 2, even though payments were made for the full amount due on both loans on the same date each month.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX Violates 15 usc 1681a2 Comsumer didn't give written permission to have the company to reported any information to the CRA. The XXXX XXXX isnt the Original Creditor. Im requesting that XXXX XXXX remove any late payment and or provided me a copy of the original seller contract signature by the consumer when this property was purchased stated I gave them permission to report to the Credit Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX  with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX  account has breached this right. I request that you review the privacy aspects related to this account.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXX  account and a written response outlining the actions taken to resolve this issue.
Product: Student loan

Upon calling Navient for help when my loans went into default on two separate occasions, the most recent being about three weeks ago, I was only eligible to perform a forbearance. I had mentioned to Navient the first time I was behind payments that the school I was attending should have submitted my paperwork, and they later confirmed but would not postpone the payments due or offer lower payments ; instead they said my best bet was a forbearance. 

This past month I called them to notify I was again XXXX in school XXXX, and they said the school 's responsibility and mine is to submit the paperwork. I then asked if I could have my payments revised since I had multiple health bills impact me previously before becoming re-enrolled into school full time. They said that I was only eligible for a forbearance and not to worry about it, my payments would just go up a bit, but I would n't have to pay for 3 months. Not once was I educated on the impact it would have on my credit, nor the amount it would actually increase my TOTAL loan amounts versus the monthly payment " slightly '' rising. My credit was negatively impacted as a result because of this and I have had this loan and made multiple payments but now owe more than I initially borrowed. The lack of information, options offered, and seemingly sales-like push of the forbearance on multiple occasions is the reason I am reporting a student loan complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is falsely reporting information under two different reporting names ( XXXX XXXX XXXX and Rmpsvcs ) for one DUPLICATE account, that I owe {$490.00}. I do not owe this account and it is not mine. I am entitled to a fair and accurate credit report.
Product: Credit card or prepaid card

On XX/XX/2018, Chase decided to close out my credit cards. I had to called customer service to inquire on why this has happened and the response I got was some account I was associated with was closed, but they do not know who or what. Furthermore I got a letter in the mail saying an affiliate without any specification, is ending their banking relationship with me and therefore this warrants the closure of both my credit card accounts.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary steps to dispute this account. I've reached out to the bank regarding this issue, and they assured me it's been resolved. Additionally, I contacted law enforcement and filed a report and affidavit, validating the identity theft report. Experian has complied with legal requirements and removed the accounts, yet Experian seems to believe I haven't completed all necessary steps. 

XXXX XXXX. 

Despite my efforts, Experian continues to deny my claims, citing invalid documents. This marks the several complaint I've filed against them, each time receiving the same inadequate response. It appears there is a failure on their part to fulfill their legal obligation to process the identity theft report properly. 

I have submitted reports to a law enforcement agency, including Identitytheft.gov, a federal law enforcement agency. I urge the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate this matter, as it seems Experian is neglecting their duty in handling identity theft reports. 

The stress of dealing with identity theft and the resulting lack of access to my credit is taking a significant toll on my emotional and physical well-being. It's affecting both my professional and personal life, and I feel overwhelmed as I have no other recourse. 

I want to emphasize that I am the sole individual submitting this complaint. I have not enlisted the help of any third party. I implore you to address this matter urgently.
Product: Checking or savings account

I was A customer of Bank of America through XXXX to XXXX I had been double dipped Several times for {$35.00} fees and I had to pay it now I found out it was illegal and XXXX XXXX double dipped and said they can do it several times for 1 item!
Product: Credit reporting or other personal consumer reports

I pulled my credit report and notice a account that wasnt mine from XXXX account number XXXX amount {$7900.00} I contacted experian, XXXX and XXXX about this matter I sent in my Identity theft report to experian, XXXX and XXXX and still nothing has been done about this inaccurate account thats not mine reporting on my credit report, which is preventing me from obtaining credit from other creditors I would like this matter resolved immediately
Product: Credit card or prepaid card

I have a XXXX XXXX credit card. The account is closed but it still has a balance. I have logged onto the website for this account and they are not providing any type of statement for the account. I have not received a statement in my email for many months so I was trying to verify the statement balance because it does not look correct. There is nowhere on their website to retrieve or view the statement. I had to call the company and they want to charge to have the statements sent to me. I don't understand how a credit card company can not provide statements to customers even if the account is closed. If there is a balance, I should be able to see my statements until the account is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting information regarding Hard Inquiries without my written consent. Regarding the Hard Inquiries t listed on my consumer credit report. I am demanding TransUnion provide me with a wet signed contact giving all furnisher lawful rights to add Hard Inquiries to my credit report pursuant to 15 USC 1681b ( C ) ( 3 ). If TransUnion is unable provide me with my written consent pursuant to Fair Credit Reporting 15 USC 1681b ( C ) ( 3 ) I am demanding all Hard Inquiries be remove Immediately. 

Violations : 15 U.S.C. 1681b ( C ) ( 3 ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX 
Account number : XXXX
Product: Credit card or prepaid card

I have a American Express Gold card. We were impacted with job loss related to Covid-19 and as a result were given the option to defer payments. However, we wanted to payoff {$710.00} pay in full balance during forbearance period so we aren't hit with it afterwards. 

The card provides a pay over time and pay in full option based on the amount of your purchase charge. I made a payment of {$350.00} on my card on XX/XX/2020. I called on or about XX/XX/XXXX to have that amount applied to the " pay in full '' balance because we were trying to payoff the {$710.00}. We spoke with a representative that assured us that it would be applied to the pay in full balance. We also were assured that if we could afford it, we should call back and pay the other amount ( {$350.00} approx. ) and have that applied to pay in full balance after a couple days. We made that payment on XX/XX/2020. However, when I called to make have it applied to the pay in full balance on XX/XX/XXXX, we were told that neither would be applied to the pay in full balance. 

This is very upsetting, especially when we are short on money. We would have put the poney in an account and waited for the period to end so we are not hit with a $ 700+regular monthly bill. I would like both these payments applied to the pay in full balance to resolve this issue. 

American Express Issue ID provided is : XXXX XXXXRep ID XXXX is the person I spoke to on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I deposited {$500.00} at a XXXX into this account Virtual Assets , LLC XXXX Crypto Dispensers so I can buy crypto currency on their system, but the system would allow me to buy the crypto and there is no way to withdraw the money that was deposited into my account.