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

After looking over my consumer report, I see that my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting late payments on multiple accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX  and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. 
I at no time gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. the reporting of these late payments are not accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Checking or savings account

I tried to make a purchase and my card was declined. I look at my banking app, Bank of the West is my bank, and I see they charged me 5 times a fee of {$35.00} and all it states is FEE. I call their customer service line as my local branch was closed at the time. I talked to three or four different people and each one of them refused to tell me what the fees were for and insisted that I would have to go in to the branch in the morning. Irritated I finally agreed. The next morning I go into the branch and speak with the banker she tells me that I had five overdraft fees. The day the fees were charged for my end balance was {$35.00}. She tells me that my XXXX that was sent to me that day did not post until the next morning and that's why I got those fees. First of all if I couldn't use that money till the next day why did they give it to me? Second of all XXXX is instant so if it didn't post that don't make sense. Third of all why did my end balance say {$35.00}? This sounds like their mistake not mine. The banker told me she can take off one fee. Oh so I only get charged {$140.00} for their mistake rather than XXXX? I don't think I deserve to be charged when they gave me the money the day of and had they have waited till it " '' posted then I never would've got charged. This makes it their mistake I want my money back this is theft on their part. They are closing my acct and i want my money that they stole from me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry submitted by the following companies without knowledge. 

Capital one XX/XX/XXXX Capital One Auto finance XX/XX/XXXX
Product: Debt collection

I took over the job as the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX NC in XX/XX/year>. I was assigned/given the cell phone with the number XXXX as my work phone for emergency contact for XXXX XXXX XXXX XXXX XXXX XXXX XXXX This number I presume had been the number of previous XXXX XXXXXXXX XXXX  for this XXXX. I have never used it for any personal transaction and therefore know that besides my very good credit history, there is no way any collection agency would be calling this number for me. 

I now receive numerous calls from this collection agent with a long XXXX XXXX XXXX XXXX  before I can ask for someone to take this call off the list. They always want to " harvest '' information from me and provide nothing other than to say I am belligerant, which I have now become because of this nuisance.
Product: Credit reporting or other personal consumer reports

Called about erroneous and inaccurate information on my credit report that was disputed by letter. Never received anything from company to support their decision to leave the information disputed on my report. Representative admitted there was no documentation to support their information, but told me I had to take that up with the company that fraudulently pulled my credit report in the first place cause if the inquiry on my report. Notified individual they are not in compliance with Metro 2 and the FCRA Section 1681b, and stated as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Representative told me Good Luck! Seeking legal action and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with two forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet XXXX XXXX standards. 

I can tell that a proper investigation has not been conducted by Transunion. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.
Product: Debt collection

I filed bankruptcy last year and the company keeps saying I still owe money to them. Not only did I file bankruptcy but I have private insurance as well as XXXX XXXX. They took the collection off my credit report then put it right back on.
Product: Credit reporting or other personal consumer reports

This unknown Retail Credit Card company named XXXX XXXX XXXX  with a balance of {$1500.00} has been reported on my Credit report with Equifax and XXXX. Opened XX/XX/2019.
Product: Debt collection

There are three accounts listed with this collection agency being reported with credit bureau agencies that is not my debt. I have continuously asked for proof of validation and they keep replying with copies of bills and 5 letters indicating the same thing for each creditor.
I have sent three letters w/i a 90 days to this debt collection agency, validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them and they have failed to provide the information requested as there is no evidence to provide. In a letter dated XX/XX/XXXX & Two letters dated XX/XX/XXXX, they stated that they will not continue the investigation and have reported this fraudulent account to the credit reporting agencies which this account is not valid. I would like this account ( s ) removed at once.. 

XXXX XXXX Acct # XXXX -- {$2200.00} XXXX XXXX-Acct # XXXX -- {$600.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX -- {$890.00}
Product: Mortgage

Approximately XX/XX/XXXX I was offered the opportunity to refinance my mortgage loan with a reduction of the interest rate from 3.75 % to 3.25 % that would benefit me with a substantial saving of about $ XXXXper month. My payment was to be reduced to {$1200.00} from {$1400.00} monthly. On XX/XX/XXXX I refinanced my loan. Since I have made on-time payments. XX/XX/XXXX I received a notice stating that I had a shortage in my escrow account in the amount of {$1200.00}. You stated that the shortage was caused by a change in my taxes or insurance. At this time did you acknowledge that the error was your fault. 
I spoke with XXXX XXXX several times and XX/XX/XXXX she indicated to me that the title company had underestimated what the escrow amount would be at the closing. This error resulted in the eventual shortage and misrepresented figures that was instrumental in me making the decision to re-finance. She indicated that the tile source company was being notified to review errors. 
XXXX referred me to XXXX XXXX and I spoke to him and about my concerns. XX/XX/XXXX he confirmed that there was at tax error of {$400.00} and that Quicken Loans  would cover {$500.00} for the error. I made it clear to him that I am not satisfied with this and I expect the entire shortage should be covered by Quicken Loans because they made the initial mistake and it influenced my decision regarding refinancing. The refinance also added {$4000.00} to my balance for closing cost and added 4 years to the length of my loan. Having known that I would be saving {$30.00} per month and adding closing cost to my balance I never would have refinanced, the winner is Quicken Loans. At my request, XXXX referred me to XXXX XXXX. Her response on XX/XX/XXXX was the same as XXXX in a different format. XXXX referred me to you. 
In conclusion ; You made a mistake that ended up in costing me money and time spent trying to resolve this issue. You misinformed me regarding the actual cost of refinancing because of your error. You profited an addition {$4000.00} in closing cost and an additional 4 years extended time of my mortgage. You have had 3 different associates spend time trying to convince me that I should be happy that you are crediting me the money that you erred on. You boast how you are number in client relations and helping veterans. I dont think so. 
I am filing a complaint with the XXXXonsumers Finance, The Veterans Affairs and XXXX XXXX XXXX call for action to help me resolve this issue with hopes that you might step up and take responsibility for your actions and make sure that this is not a normal occurrence.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App fail to take timely and efficient measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and defective as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and Financial loss, and I seek appropriate Redress for these violations.
Product: Prepaid card

I paid this card off. Company submitted wrong information to the credit bureaus and its showing closed and not showing account paid off fully. That's misleading the credit bureau and showing late payments up till today. I filed this complaint previously and need this reported as paid in full like they would make it a late payment to drop my score
Product: Credit reporting, credit repair services, or other personal consumer reports

Curo XXXX, XXXX XXXX from XX/XX/ + XXXX XXXX XXXX 

I do not know why this company is on my credit report. I have no knowledge of this company or doing business with them. I need this hard inquiry removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported my account late to the credit bureaus, i mailed them a check and they have not cashed it but still reported me late.
Product: Credit reporting

I sent out letters to experian XXXX to delet the accounts that is inaccurate they Experian sent XXXX letters regarding the accounts also updated copy of the reprorts never sent. Letters sent to them.
Product: Payday loan, title loan, or personal loan

the cash store was notified that I was filing bankruptcy and we gave the name and address and phone number to the lady working there. the company and its corp. began calling me multiple times .I gave them the same information and they continued with the calls .One call I took the person told me that it would be paid bankruptcy or not. you owe it you'll pay it! this was an every day and most times several times a day thing. My stress level was extremely high .I ended up in Hospital 3days I have a call list that consists of16 from XX/XX/XXXX -XX/XX/XXXX and that's not all. They also called my wife 's phone several times and a reference friend was also called several times. My wife was in process of giving information and was hung up on. this is uncalled for.
Product: Student loan

Mohela is my loan servicer. I have never dealt with the degree of ineptitude like I do with Mohela. Hold times are hours long. 99 % of representatives I speak with have no idea how to help me. 

I submitted my XXXX request for my loans back in XX/XX/2023. Mohela reps told me the process for them to review and approve is generally 5-10 business days. Its been over 2 months now and it still has not been processed. They cant tell me what the issue is or what the hold up is. 

I also consolidated my 4 direct loans because I am a XXXX XXXX with over XXXX years of XXXX XXXX. That consolidation request was submitted in XX/XX/2023 as well and my account still shows no updated information on consolidation. My four direct loans are supposed to consolidate into one that takes my highest payment count ( XXXX eligible payments as of XX/XX/2023 ), and no action has been made yet. 

Mohela needs to be held accountable. Their negligence is a burden to the thousands of students who are burdened with student loans. This is our livelihood and our economic well-being that they are messing with.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX XXXXnd all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

my complaint is against citizens bank. I lost my debit card on XX/XX/2022. Someone picked it up and used the card and overdrew my account signifigantly. The charges are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citizens overdraft fee- {$140.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Citizens overdraft fee- {$170.00} ( XXXX charges at {$35.00} each ) My paryoll check was direct deposited- {$900.00}, citizens bank took my full check XX/XX/2022 Citizens overdraft fee- {$30.00} XX/XX/2022 Citizens overdraft fee- XXXX Claim credit- XXXX XXXX XXXX XXXX XXXX My payroll check for {$900.00} was direct deposited, of which Citizens bank took {$220.00} of, which put my account at even. They then charged me 2 more fees Citizens overdraft fee- {$35.00} Citizens sustained overdraft fee- {$30.00}. 

In total, {$1100.00} was charged to my account after my card was lost. I went to the bank, shut the card off and filed a claim. Eventually they came to a decision that i made the charges and did not reimburse me. I spoke to the bank manager of the Citizens branch in XXXX, XXXX who was extremely rude and condescending to me. I was polite and professional, and after speaking to her I said I would like to close my account, to which she replied " Gladly! ". I filed a police report after that encounter at the bank. I have a police report that indicates it was not me who had used my debit card on these dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION deleted an item from my credit report on XX/XX/2021. 

FILE NUMBER : XXXX ITEM : XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX FL XXXX ) Pursuant to 15 U.S.C 1681 ( a ) of the Fair Credit Reporting Act ( FCRA ), the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. TRANSUNION hasn't been reporting accurately and, has made an error in my consumer report which after further investigation into my report, they realized that they violated federal laws and decided to delete the item which is admission of liability. My confidence in them has greatly reduced and, has caused me stress because of it bearing on my report when it was in fact falsely reported. TRANSUNION willfully furnished false information without my expressed consent, and never investigated with close family and friends, which is a violation pursuant to 15 U.S.C 1681n ( 1 ) ( A ). Proof of the deletion will be attached to this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and its representative are continuously showing no regard to the law and my right to privacy. They are telling me that their policy overrules the law. They are committing language fraud with misleading facts and giving their false interpretation of the law. They have caused and are still causing me defamation of character by illegally reporting information that should not be on my consumer report and misleading me and refusing to remove it. They are telling me that I have no right to privacy, and they are knowingly reporting income on my consumer report. 

Their said in your response As of XX/XX/XXXX, were reporting the account as an unpaid charged off account. According to the IRS ( Internal Revenue Service ) publication irs.gov, a charged-off is a certificate of indebtedness which goes along with a 1099c The Cancelation of Debt. It is considered to be income, and you know very well that income can not be reported on a consumer report. Proper procedures must be followed to ensure accurate reporting 15 U.S. Code 1681e.

The Gramm-Leach-Bliley Act, require that they report their information data sharing practices, as well as provide me with information and the right to opt out of data sharing with 3rd party non-affiliate agencies, like TransUnion, XXXX as well as XXXX, or any other not listed here. It is also your responsibility to make sure that it is presented in a clear and conspicuous manner. They are in violation of this Act as they just admitted this, in your response that is attached. Furthermore in accordance with the Privacy Act of 1974 I have the right to privacy that they are trying to deny me.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 EXPERIAN DELETED AND INACCURATE FRAUDULENT ACCOUNT. THIS INACCURATE ACCOUNT HAS REAPPEARED ON MY CONSUMER REPORT WITHOUT ME BEING NOTIFIED WITHIN A 5 DAY TIME PERIOD PURSUANT TO 15 USC 1681i ( 5 ) ( B ) ( i ) ( ii ) THIS IS AGAINST THE LAW! I ALSO KNOW ANY TRANSACTION THAT IS HELD BETWEEN MYSELF AND THE PERSON SHALL BE EXCLUDED FROM MY REPORT PURSUANT TO 15 USC 1681a ( 2 ) ( i ) I NEVER GAVE EXPERIAN PERMISSIBLE PURPOSE TO REPORT THIS INFORMATION. IM UPSET BECAUSE THIS IS BRINGING DISHARMONY IN MY HOME AND CAUSING ME TO LOSE OUT ON EMPLOYMENT OPPORTUNITIES WITH MY LOCAL CAR DEALERSHIPS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have unauthorized inquiries and those inquiries not attached to open accounts removed from  XXXX ,  XXXX  and Experian to no avail. I have disputed on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  &  XX/XX/XXXX  with Experia,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  &  XX/XX/XXXX  with  XXXX  and  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  with  XXXX . I 'm either told that they are validated or that I must contact the company. Some of the companies have sent me back to the CRA 's and therefore I am stuck with inquiries that I have not authorized for cars, cell phones etc on my reports. I should only have those linked to my background checks and  XXXX   XXXX  accounts for increases etc.
Product: Debt collection

That was offended with XXXX inters if I paid in 6 month. I paid due in this term a the company want that I paid the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  XXXX  ran my credit without my knowlege. XXXX ran my credit report without permission. XXXX XXXX ran report without permission. ther is a collection from online information service for a bill that was paid by insurance and they refuse to provide me a copy of original contracr which is a violation of my rights. I fell that the credit inquiries is an invasion of my privacy because i did nit give permission to view my reports.