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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a good will request, please remove the late payments affiliated with account # XXXX understand how paying on time affects my account and went through bad times in my life, which we all go through. I am a current on time paying customer with your bank and would consider continuing my experience with yall if this good will request is accepted. Verification PDF 's are attached to confirm my identity
Product: Checking or savings account

Hello, Im reaching because i cant seem to find anyone who can help me with this reporting. Back in 2019 i placed a business check in my account i had no idea that this check was bad check. When i heard, I reached out to the nearest branch also spoke the Bank of America " Risk Department '' and No one seems to be able to help get this removed off of my account. I own a XXXXXXXX XXXX  but I'm not allowed to open a XXXX  account because of this fraud alert. Im not able apply for funding, Properly file taxes or open any type of checking account because of this fraud alert. Im asking whoever handles this case to please take into consideration that I'm a young XXXX XXXX during the pandemic thats trying to get ahead. This one single alert is holding my life. So I'm asking since the status was changed to reflect no balance owed can you please remove this fraud alert of of my consumer report. I understand that this was verified as accurate but i cant move forward with my life this is causing me great financial loss. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a letter informing them of a potential fraudulent account on my credit. They said that my concern was not valid without even conducting an investigation. According tocthe Fair Credit Reporting Act Section 611 [ 15 USC 1681I ], they should conduct a reinvestigation my credit file. They have no way to ascertain the legitimacy of my action without investigating the items in question.
Product: Checking or savings account

XXXX XXXX, {$2000.00} XXXX  payment to XXXX XXXX, this transaction was not authorized by myself.I doubt it was a network steal.but the Chase did not deal my case, I really need the help about it.
Product: Prepaid card

XXXX has been taken out my account without my permission when I call my card I had heard the balance was {$1.00} I called the company so that they can follow dispute they have yes I put my money back on my card they keep hanging up the phone on me and refused to send me a dispute form the account have went on frozen and the issue has been resolved as of yet I want my money I work hard for my funds
Product: Credit card or prepaid card

Every year since  XXXX ,  XXXX  charged me for software automatic renew service, I disputed with them successfully for 3 years consecutively, I disputed the same charge successfully in year  XXXX ,  XXXX ,  XXXX . This new year  XXXX   XXXX  charged me again on citi dividends master card automatically for no reason, I had discontinued the  XXXX  software service since  XXXX . By now they still charge me this every year! And cities bank card still try to collect more money beyond the   XXXX   XXXX   XXXX   charge, they add delay fees etc. It is ridiculous!!!        XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for my annual credit report online through the FTC official website at XXXX and the three credit reporting agencies I request a free credit report from refused to give me the opportunity to dispute an existing problem with over-charges by two institutions for a subsidize and unsubsidize direct loan, perkins loans  plus there suppose to be in deferment status and XXXX is reporting or posting the wrong information on my credit report. I tried to request a dispute and their webpage refused to meet my request. In addition, my complaint involves two financial institutions that serviced the student loans XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. I believe a direct loan check was cashed in my identification and I 'm being billed for the over-payment.
Product: Money transfer, virtual currency, or money service

I moved money to Wise.com, a total of {$600.00}. They advertise instantaneous availability, and after a few days it still wasn't there. Then out of the blue the account is closed without any reason, no ability to get in contact with anyone, you need to login but my account is deactivated. got in contact via twitter, person has no ability to give me any indication if my money will ever be refunded under what timeline. 

They take your money, deactivate your account and you lose access to funds.
Product: Debt collection

On XX/XX/XXXX, I received a letter from Roth Morgan about a debt balance I had of {$330.00} from XXXX XXXX from over 6 years ago. They said I had 30 days to respond or else this would go on my credit report. I called Roth Morgan XX/XX/XXXX and they said their sister company XXXX ( law firm ) bought the balance from XXXX XXXX and have been trying to reach out to me for the last 6 years. They said they would reduce the balance owed to {$250.00}, then to {$220.00}. I asked for further evidence about this debt but did not provide any more documentation. Concerned that my credit report would be impacted negatively, I paid Roth Morgan {$220.00}. Realizing that I might have been scammed, I remembered that I had a debt collector, XXXX XXXX XXXX reached out about a debt from XXXX XXXX and paid {$250.00} on XX/XX/XXXX, the exact amount Roth Morgan was looking for. This is when I knew I was scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/2021
Product: Mortgage

I submitted information through my online portal requesting a loan modification. Last week I also called and spoke to someone about selling the property. I was supposed to receive a call from my representative but I didn't receive one. I called yesterday XX/XX/year> and spoke to someone and let them know i received a preliminary offer from open door and the final contract would be sent to me in XXXX business days and again asked for the foreclosure to be postponed. The person i spoke with submitted a call back request from my rep. I received a call back from XXXX XXXX and explained to him about the preliminary offer and the XXXX business days for the final contract and asked for a postponement. He said contracts fall through all the time so he couldn't help. He said the bank can not stop a foreclosure once it's been initiated. But prior to speaking to the bank I contacted XXXX XXXX the firm handling the foreclosure and they told me only the lender can stop the foreclosure. I'm really confused because the status of my loan on the portal says " we're working with you on the sale of your peoperty '' that's deceptive and predatory if they're still going to proceed with the foreclosure and not allow me time to process the sale. I also asked XXXX about a modification if I put a down payment and repay the past due payments and he said no, I need to pay XXXX XXXX plus fees to reinstate the loan. He didn't even attempt to pretend to work with me. It just seems like because of home values the bank isn't willing to work and they don't care about telling lies because they will get more than what I owe them if they foreclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I called a couple of times to request a lower payment but they wanted me to make a payment right away and I couldnt until my next pay day but they said they couldnt wait
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized furnishing or inquiry regarding my credit information. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, consumer reporting agencies are permitted to furnish a consumers credit report only under specific circumstances and with explicit authorization.

I did not provide written consent for Midland Credit Management to access or furnish my credit report. Furthermore, I have reviewed my records and found no legitimate reason under the provisions of 15 U.S.C. 1681b ( a ) for this action to have been taken. This appears to be a direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX  and the company sent me to collection. I paid the account with the collection agency ( XXXX XXXX XXXX XXXX ) on XX/XX/2018 in the amount of XXXX XXXX XXXX XXXX  did not report the account as settled in full after I paid the collection agency on XX/XX/XXXX, XXXX XXXX XXXX XXXX   did not report anything on the account for several months until after I did a dispute with the credit bureau then the company report the account as a charge off on XX/XX/XXXX.. Unfair business practices due to me paying the debts and they still report the debt on the credit even after I notified them and sent them proof of the payment. They even confirmed verbally with me that they would not update even though they acknowledge payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Trans Union several times making them aware that there was an increase that I did not authorize no apply for credit with these companies I've also sent a letter to the Creditor, both credit bureau and creditor refuse to act on it and they told me that the information was accurate that they would not be willing to remove it XXXX XXXX XXXX XXXXXXXX XXXX I also have a identity theft report that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased a Bluebird prepaid card by American Express at XXXX the beginning of XXXX. I became concerned when I received five different cards and two to my email associated with my old account which they closed that had nothing to do with my original purchase. Called bluebird and they said I had to have opened all those accounts online. I told them I purchased at XXXX. I have still not received my permanent card, I have called five times, they have since sent out three new cards, tried to charge me for a replacement card, and I have not received one yet. I have money I placed on this card and can not use it. I also ask for corporate address and the information they gave me was all false. I have tried to file with the XXXX, but they need an address. This has been a nightmare. I also had a Bluebird when it first came out and they closed this account. I hope you can help me. Also along time ago I had American Express business gold card. This is very disappointing. Thank you
Product: Debt collection

XX/XX/2011 I filed a chapter XXXX bankruptcy which included a past due amount on my mortgage. I continued to pay my current payments and also my trustee who paid on the arrears that was supplied to my attorney. During the bankruptcy the lender tried to increase my monthly payment by almost {$900.00}. I continued to pay the same amount I had been according to my attorney 's advice. The lender filed a post petition stating I was not in compliance with the bankruptcy and tried to get it dismissed. At the end of the bankruptcy the lender claimed I owed {$9400.00} but had no idea where that amount came from. The judge determined I pay a final cure amount of {$960.00} which I did and my bankruptcy was discharged. Shortly after the discharge I received information the lender was claiming I was over {$10000.00} in the arrears I contacted them regarding the discharge and they said the previous company that was managing my account had made an error. They were suppose to send me a letter telling me how they resolved the issue. Now a year after the discharge they are saying I am over {$8000.00} in the arrears even though they show I have made all my payments. The problem is that the current payments are being applied to months that were discharged in my bankruptcy. This is the second time I have had to contact them regarding their misapplication of payments and they just do n't fix the problem. I received a letter of mitigation which is usually the first step before they try to foreclose. Di Tech sends you information of who your account representative is with an extension number but when you call there is no option to enter an extension. In order to reach someone you have to set on hold and then they usually ca n't help you and you get sent somewhere else to hold for another hour or more. They have no customer service
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 major credit bureaus are erroneously reporting an account and it must be fixed. I have been disputing some XXXX XXXX XXXX accounts with the bureaus because they were included in my bankruptcy but they continue to update. I have gotten in contact with XXXX XXXX XXXX and received a letter saying they were sorry and they would get this update in XXXX XXXX. However, when I look at my credit it has been updating every month. This is a violation of my bankruptcy stay and this account must stop updating.
Product: Student loan

I repeatly tried to speak to someone about increase in interest rates. Was treated rudely on the phone with no answer to my questions. I was told repeatly that I did not qualify for loan forgiveness even though I am a XXXX.
Product: Debt collection

My creditor is charging me a " late fee '' when I made payment arrangements with one of their online agents. From the chat I asked the agent to process the payment : " XXXXXXXX XXXX : XXXX XXXX : You just need to make the payment chat or call us for the allocation process and we will be glad to do that for you. XXXX XXXX : CustomerXXXX : I need that " allocation process '' now. XXXX XXXX : XXXX XXXX : Sure, let me help you with that. '' She did not make that payment for me, so now, they are you charging me late fees in the amount of {$27.00}. 

Additionally, the Synchrony account website pages are extremely confusing to navigate with minimal information to help consumers understand their account staus '. They tether you to " agents '' that don't seem to do what they say they will, or otherwise make confusing statements in the chats.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has incorrect information on me and my wife in their system which is causing me to be denied car insurance. They have us with XXXX  XXXX  on our records. We should only have " Not AT FAULT '' listings. Not at fault means that we did not cause the XXXX. Therefore this company is listing these XXXX incorrectly which is causing me to not be able to get insurance.
Product: Debt collection

On XXXX I sent letter to Comnwlth Fin to inform them they are in breach of security and HIPAA authorization for two accountsXX/XX/XXXXXX/XX/XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH XXXX, EXPERIAN AND XXXX WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to Experian about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Experian get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX ( XXXX Creditor : XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$8200.00} XXXX XXXX XXXX OF XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$0.00} XXXX FXXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXXC ( Original Creditor : XXXX VXXXX XXXXXXXX ) XXXX {$1000.00} XXXX & XXXX CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$95.00} XXXX & XXXX CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$25.00} XXXX & XXXX XXXXT ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$25.00} XXXX XXXX Balance : {$1000.00} XXXX Date of inquiry XX/XX/202XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX of inquiry XX/XX/2020 XXXX XXXX NA Date of inquiry XX/XX/2020 XXXX XXXX NA Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020
Product: Credit card or prepaid card

On XX/XX/2022 I used my XXXX XXXX card at XXXX & XXXX 's XXXX in XXXX, WA. The merchant processed this transaction using equipment provided by Square Inc. XXXX XXXX XXXX XXXX XXXX XXXX a 3 % service charge on all transactions. The merchant does not disclose this fee before charging the customer. There is no written notice anywhere in the business and no verbal notice. The only notice of the service charge is on the receipt after the transaction is finalized.
Product: Money transfer, virtual currency, or money service

In ability to contact Pay Pal customer service. The dept is closed and unable to receive calls via customer service.

Can not contact Pay Pal to resolve this issue after repeated attempts.
Product: Debt collection

My complaint is with LVNV. After several disputes, some of the newest dates are XX/XX/XXXX and XX/XX/XXXX I have decided to submit another complaint with you all. I have had court appearances with LVNV and the Judges ruling that I provide LVNV with a police report or a report form the FTC in which I was not able to retain a police report because the officer informed me that I needed the name and address of the violator that stole my identity, but I was able to receive the FTC Report as advised from the judge. LVNV representative did agree to accept this report. Once I filled the reports I followed the orders of the judge and provide LVNV with the document that was agreed on between LVNV and I in front of the Judge in XXXX of XXXX. After they have received my report from FTC they have continued to harass me with letters and not abiding by the FCRA and the judge ruling on this case. This situation has cause me to go into a deep XXXX, I have been victimized by someone and LVNV is not giving up on this matter. I have been deeply depressed because this has caused several companies to refuse me services because of LVNV. I have lost so much behind LVNV. I explained to the judge and LVNV that I am disable and do not have the funding to pay off this debt that is not mine, the judge stated that LVNV can not garnish my income because its from SSI. I am deeply damaged due to this debt that is not mine and LVNV was provided all the required proof that was asked for in the court ordered by the judge. Please help me with this matter, I can not continue to fight with LVNV and be harassed anymore. This is Fraud account and they all the documents to prove it. A letter was sent to them and asked in front of the judge asking for the contract with my signature and they con not provide me nor the judge with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Is listed that I have a collection for XXXX XXXX XXXX and Im using it to do this report the only XXXX XXXX I have!!! And it is current and with XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX email : XXXX address:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX On XXXX the XXXX I transferred {$90.00} from my XXXX account to the cash card from cash app since I didn't have my XXXX card yet. 
Every time I logged in I couldn't see the money it said XXXX balance, this went on for weeks every time I call them they tell me the same thing saying they'll get back to me but never does. In my XXXX account it shows the transaction went through already but still can't see the money in my cash app account.