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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account # XXXX has violet 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: Money transfer, virtual currency, or money service

I opened a new account with paypal to save money for my sons college and to put away money me and a few girlfriends intended on using for business. I have been processing transactions for months with no problem. 2 Girlfriends sent me money to hold while we are planning out our next business move. As soon as the transactions went through PayPal decides I am fraudulent and processing fraudulent transaction with no founded reason and locks my ability to transfer money. They then proceed to send me an email saying they were going to hold XXXX plus dollars for 180 days. They told me they didn't have to disclose why. They just felt like it was fraudulent activity going on? On what grounds not sure. I sent in my Picture ID to verify who I was and everything so not sure about how they came to that conclusion! I am XXXX! And would love some assistance in recovering my funds and never doing any business transactions with them again! Below I have attached the two text messages from my girlfriends who sent the money as verification.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

For one year my credit rating on Equifax was over 700 I paid a long closed account off and sent the information to Equifax instead of adding a point or two for me paying the account off they deducted XXXX points I made this to their attention and they added it back within 2 days then a week later it went back down from XXXX credit score down to XXXX. I'm working it department and I know that they're deliberately being vindictive and this is not fair I work hard and this is what they do to people who pay their bills off
Product: Student loan

I called to request a refund on payments made during the interest-free forbearance period. They said they dont do that. They said there loans dont qualify for this. Is this true, they are a federal loan company, they are the New Mexico Student Loans. I also always wondered how my original loan was {$38000.00} but I have paid over {$74000.00} with a 6.250 % interest. I would like to know if this is true can they deny giving us the refund???
Product: Payday loan, title loan, or personal loan

In XXXX, I purchased a vehicle and got a loan to pay for the car. Paiding on the vehicle for the last 5 years collectively. I then in XXXX requested a personal and the financial company approved it as a secure collateral loan against the vehicle. Whereas, I requested another personal loan with the same company, they approved again as a secure collateral loan combining all secure collateral loans together. 
To date the car needs repairs, but the cost is higher than the car 's value. I spoke with the financial company regarding this. Proposing to sell as a salvage, and then use money towards loan balance amount still owing. But the financial loan officer stated I will need to pay them a fee 1st in order for them to release the title to me moving forward. I'm attempting to find out whether the financial is in compliance of such actions. The " why are they able to charge me a fee and the car is of less value then the amount still owing on my outstanding loan amount? '' Please assist and direct me accordingly to WA State consumer law ( XXXX ) or directives on identifying if this financial company is correct in business consumer processes. Thank you
Product: Debt collection

I received a letter from a debt collection company by the name of Financial Recovery Services INC dated XX/XX/XXXX - which states that the current creditor is XXXX XXXX who is in affiliation with XXXX XXXX. The letter they sent me clearly violates the FDCPA 807 ( 10 ) "  False or misleading representations '' in which the preclude to the letter states " Assigned as a Pre-Legal Account ''. The letter continues on with multiple misleading and confusing statements cited as : If we can not resolve this account, our client will place the account with a law firm and in the same paragraph goes on to state We do not make any decision whether to place any account with a law firm as that decision rests solely with our client. No decision will be made regarding whether to place any account with a law firm until after the end of time frame described below. This is clearly misleading as in one sentence they tell me it WILL be placed with a law firm and a few sentences later it is inferred that it may or may not be sent to a law firm by the beginning sentence of No decision will be made regarding whether to place. This is an illegal practice under FDCPA in which the debt collector is threatening legal action that has no proven intent and is also violation committed by Financial Recovery Services under FDCPA 807 ( G ) ( 5 ). Any letter from a debt collector or creditor has to be clear and concise and be able to be understood by the least sophisticated consumer. The materiality element of the Least Sophisticated Debtor Standard does not hinge on what an ordinary individual might reasonably interpret from a debtors communication, but rather, a material statement is one that has a natural tendency to influence or has the capability of influencing the decision of the decisionmaking body to which it was addressed. Id. Here, the relevant decisionmaking body is the least sophisticated debtor. Id. ( citing XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). 
Furthermore, Financial Recovery Services states that the " current creditor '' is XXXX XXXX. Under the FDCPA the term " creditor '' is defined as anyone who extends or offers credit. Financial Recovery Services nor XXXX XXXX ( XXXX XXXX ) has ever extended or offered any credit to me.
Product: Checking or savings account

RECEIVED NOTIFICATION OF CHANGE OF ADDRESS AND CONTACTED XXXX XXXX ACCOUNTS TO INFORM CHASE THAT I DID NOT REQUEST THIS ACTION, CHASE OPERATOR WOULD NOT TAKE ANY ACTION AS I COULD NOT VERIFY MY ADDRESS, AS THE PERSON COMMITTING THE FRAUD HAD CHANGED THE ADDRESS ALREADY, ASKED FOR SUPERVISOR TO TRY OTHER VERIFICATION METHODS AND WAS INFORMED THE ADDRESS WAS THE ONLY WAY. ( AFTER SEVERAL PHONE CALLS AND ATTEMPTS MADE ) EXPLAINED I AM BASED XXXX WHERE THERE IS NO CHASE BANK OUTLETS. 
CONTACTED THE BRANCH IN XXXX ARIZONA TO EXPLAIN THE SITUATION AND ASK FOR A. BALANCE ON MY ACCOUNT, WAS ADVISED THAT ALMOST XXXX, XXXX HAD BEEN STOLEN.WAS TRANSFERRED TO CLAIMS DEPARTMENT AND SPOKE TO LADY EXPLAINING THE SITUATION ( XX/XX/XXXX ) WAS ADVISED THE ACCOUNT WOULD BE RESTRICTED AND THE CARD STOPPED.PROCEEDED WITH CLAIMS. 
CONTACTED CHASE IN XX/XX/XXXX TO FOLLOW UP ON CLAIMS AND WAS ADVISED THAT THE BALANCE OF THE FUNDS WAS WITHDRAWN! HOW? I REQUESTED THE ACCOUNT TO BE RESTRICTED AND CARD STOPPED YET BALANCE OF FUNDS STOLEN!!! TOTAL FUNDS STOLEN {$27000.00} XXXX XXXX XXXX XXXX AND XXXX DOLLARS AND XXXX CENTS
Product: Credit reporting or other personal consumer reports

I alerted TD Bank/Target Cardholder Services to incorrect information that had been added to my XXXX report ; I declared a XXXX XXXX  bankruptcy in XXXX of XXXX that was granted in XXXX of XXXX. Target reported my credit card balance, which had never once been late prior to XX/XX/XXXX, as late from XX/XX/XXXX until XX/XX/XXXX. This is in violation of the automatic stay granted during the filing period of bankruptcies in the USA - I was told by the judge to cease payments on unsecured debt during this automatic stay period between the filing of my bankruptcy being accepted and the final disposition being granted by the court. Target investigated this errant reporting- and determined that I was indeed supposed to pay my unsecured debt to them even during the automatic stay granted by the XXXX XXXX XXXX Kentucky Bankruptcy court. This is in violation of bankruptcy law and the FDCPA, and unfairly impacts my credit report despite me having taken steps to prevent that. I was never once late on paying my Target card, and should not be listed as late or charged off after my bankruptcy. Target still lists my account as being {$480.00} past due and requiring payment immediately on my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date updated inaccurate fcra violation delete account XXXX Date updated inaccurate fcra violation delete account XXXX XXXX  XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX XXXX updated inaccurate fcra violation delete account XXXX XXXX  Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX  Date updated inaccurate fcra violation delete account XXXX XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX, XXXX XXXX Date updated inaccurate fcra violation delete account
Product: Mortgage

Last XXXX my mortgage company contacted me during my forbearance to see what my intentions were at the end of my forbearance. I conveyed that I was requesting it be extended for the next six months. At that point they said just contact them before the end of XXXX and it will be processed then. So i contacted them and they began requesting financial documentation through their loss mitigation department. I explained to them that a forbearance request DOES NOT REQUIRE DOCUMENTATION. It was argued that they did and if not they would begin several different processes to determine my eligibility, but only if i provided typical loan documentation. So they wouldn't process my new forbearance if I didn't provide the documentation, or pay my remaining forbearance balance. So we took every XXXX we had, and paid the two payments that remained on my balance. We literally had to choose between food and shelter, we chose shelter. Now we are approaching the end of forbearance # 2 and the calls are coming and I am petrified that they are going to take adverse action against me. I can not sleep, I am getting collection calls from them, this is no fun. We are more than likely going to sell our home to protect our family from more stress due to my mortgage companies aggressive tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

Names on Account : XXXX XXXX, XXXX XXXX Account Number : XXXX Dear XXXX XXXX Customer Service XXXX XXXX XXXX Department : Please review your records and find that my account is current. I have been a loyal customer to XXXX since XXXX. Please find that aside from the late payment in XX/XX/XXXX, that I have never missed a payment. 

Please find that my account remains in positive standing upon approaching the end of my lease in approximately two months. 
My payment for XX/XX/XXXX, was 35 days late which I resolved when I brought my account current in XX/XX/XXXX. 

The 35-day late payment for XXXX was not marked as late/missed on my credit report. However, my credit report shows that I have a late/missed payment for the month of XX/XX/XXXX in error. My XXXX payment was not 35 days late as reflected on my credit report. 
Due to the inaccuracy of the report, taken with my current good standing and history of my account, I am requesting a courtesy removal of all remarks of missed/late payments reported to credit bureaus for both account holders. 

ACTION : Please review my account and DELETE missed/late payment for the month of XX/XX/XXXX reported to ALL credit bureaus for both account holders.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XX/XX/year> Notice of Illegal and Fraudulent Reporting of Inaccurate Information on Credit Profile To Whom It May Concern : I am writing to address the illegal and fraudulent reporting of inaccurate information on my credit profile. It has come to my attention that there is a bankruptcy listed on my credit report, which I did not consent to and is not accurate. 

The discrepancy identified is as follows : 1.XX/XX/XXXX : A bankruptcy filing has been reported on my credit profile, indicating that I have filed for bankruptcy. However, It is not legal to have such information on one 's credit report without their approval or knowledge. 

I have taken the following actions to address this discrepancy : 1. I contacted the bankruptcy court to verify if any bankruptcy filings had been made in my name. The bankruptcy court confirmed that they have not reported or verified any information on such filings under my name or Social Security number. 

Based on this information, it is evident that the bankruptcy listing on my credit report is inaccurate and has been fraudulently reported. I demand that this misinformation be removed from my credit profile immediately to prevent further damage to my creditworthiness and financial standing. 

I request that you conduct a thorough investigation into the origins of this fraudulent reporting and take appropriate action against any parties responsible for perpetrating this illegal activity. Furthermore, I expect written confirmation once the bankruptcy listing has been removed from my credit report. 

Failure to address this matter promptly and effectively will result in further legal action being pursued to protect my rights and interests under the Fair Credit Reporting Act. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After viewing my credit report a few moths ago I started paying off old accounts ... ... I have a paid in full letter from XXXX XXXX XXXXXXXX XXXX XXXX  ... I asked that XXXX remove this account which still shows incorrect info because it's been paid off for since XX/XX/XXXX '...
Product: Checking or savings account

Between XXXX and XXXX of 2023 me and my daughter played mobile games. One of those games she made some unauthorized purchases in the toon of about XXXX on this game. I realized at the end of XXXX and filed a charge back with my bank. My bank which is XXXX started and investigation for these charges after I explained situation. During the investigation regions gave me my money back to which I used it to pay bills. About 3 weeks in XXXX  closed the investigation and took the money back as they said XXXX sent them information that those purchases were made with my XXXX XXXX account and they couldn't determine if I made them or not. With them taking the money back it has caused my account to go negative so iv had to start using my second back. I understood why and was content to just leave it be, but in XX/XX/2023 I received receipts from XXXX canceling those purchases and had my kid log into the game a verified that the items she purchased had also been refunded. So I then contact XXXX who tells me nothing they can do because I did a charge back I would need to contact my bank to which I did and they tell me they closed the investigation to which i know they did due to lack of evidence I didn't make charges and that XXXX hasn't sent them any money to refund and that the only way to get my money back would be contacting XXXX which I have and they refuse to return the money for purchases that have been canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call stating I  may  be served by  XXXX   XXXX  for debt owed to  XXXX   XXXX . I made arrangements to settle with a gentleman named  XXXX   XXXX  who was insistent this was for  XXXX   XXXX . He advised he was only allowed to collect {$400.00} which was the original debt. I made two pymts of {$200.00} in my debit card and received a pay in full letter. My credit report still shows I owe with speedy cash. He stated since I got the loan online years ago, it was under an affiliate name. The collection agency was  XXXX   XXXX   XXXX   XXXX . I have the phone number and screen shot proof.
Product: Credit card or prepaid card

I received a promo offer from PNC, my personal bank, offering 15 months @ zero APR with a 3 % or {$5.00} fee, whichever is greater on balance transfers. Ill note this bank has been after me diligently to secure a card with them for the past year. Upon completing the application process with a work from home individual, & Ill note here I allege he was drinking as I could hear him drinking & the slurring was getting worse as the call proceeded. He & I worked out the approximate fee for the {$3800.00} I was going to transfer from my XXXX XXXX account. This is a classic bait & switch tactic, as I could have elected to use any of my other two bank cards to make the balance transfer & not had my credit score impacted. Im very XXXX off & Im really interested in knowing how your agency is going to help me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies I have identified on my credit report concerning the payment history for two of my creditors, Citi and XXXX. 

XXXX - XXXX XXXXXXXX XXXX : The credit report inaccurately states that my account was 30 days past due in XX/XX/XXXX and XX/XX/XXXX. Additionally, there is an inconsistency regarding the agreed monthly payment amount. My agreement specifies a monthly payment of {$63.00} ; however, the XXXX statements incorrectly reflect a monthly payment of {$84.00}. After a thorough review of my past statements and a phone confirmation with XXXX, I have verified that I have never been 30 days past due on any payment, and the correct monthly payment amount is indeed {$63.00}, contrary to what the billing statements indicate. 

Citibank XXXX : My account is incorrectly reported as being 30 days past due in XX/XX/XXXX. I have confirmed through both a phone call and a review of my past statements that I have never been 30 days past due on a payment. 

I request that these inaccuracies be investigated and corrected promptly.
Product: Credit card or prepaid card

I am having an issue with my Citi bank account and their support staff has not been able to answer my questions satisfactorily. Citi has opened a second account for me without my knowledge and one account states that I owe {$2400.00} when I only made {$600.00} worth of purchases and paid my full balance from the previous month. Then there is another account stating I owe {$800.00} with no purchase information below the amount stated. When I contacted support about the issue they stated that they think it may be due to a Visa to Mastercard conversion and to ignore the {$2400.00} as though it is no big deal and that they will close the account ; however, what they did in not notifying me of this error is not right and still shows up as a balance for me to pay and could affect my credit score potentially. Then second, my credit payment is always due on the 3rd of every month so I pay accordingly to avoid any potential interest payments ; however, they continue to say I didn't pay the full amount by the date stated and roll over a few {$100.00} each time. I have photographic evidence to state what I mean and I want the issue resolved because it is costing me {$100.00} 's of dollars each month and it is putting me in more debt than I need to be than I am already in.
Product: Vehicle loan or lease

The loan remained current up until the beginning of the pandemic Covid 19. Regional Acceptance Corporation did reach out XXXX XXXX about a year deferment due to the cares act passed by congress. Regional Acceptance Corporation did verbally say in any event the vehicle would be fully paid off due to any unforeseen loss during and after the pandemic covid 19. 
Due to Congress passing the cares act. Date of loss XX/XX/year> There was a gap policy that should have covered the remainder of the balance of the loss. Only a {$1000.00} was paid out of {$10000.00} Gap and Regional Acceptance Corporation should have covered the loss after the insurance company paid the cash value towards the loss.
Product: Credit reporting or other personal consumer reports

I could only check one box but there are other issues on my consumer report and that is my name is misspelled and there are numerous addresses that have never belonged to me. Please see attached.