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

In accordance with the fair credit Reporting act, Elan Financial services and XXXX XXXX services has violated my rights. 
These cards were not in my possession at the time of the accused late payments. 

Furthermore, 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I opened an XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. I looked at several cards before applying, but decided that i wanted this card because of the welcome bonus of XXXX pts after XXXX in spending. Before applying, i specifically asked XXXX if i qualified for the bonus, and they told me yes, and restated the terms i described above. 
Today, i online chatted with them trying to see why i had n't received the bonus - they told me that i had a gold card that was closed in XX/XX/XXXX. I now see in the fine print that you can only receive this bonus if you have n't had the card before. My problem is that they specifically told me i qualified for the card even though i last had it years ago. 
I feel this is at least a bait n switch technique, and at worse - fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. Falsely stated that I entered an agreement via online purchase which is not possible because the retailer XXXX XXXX XXXX XXXX has never had nor do they have a website. Therefore it is impossible an e- sign agreement to exist in the absence of a website. I request immediate removal of this bogus account. The documents attached are completely made up.
Product: Money transfer, virtual currency, or money service

USAA FSB will not relinquish funds from a cashier check. Check is being held for 10 business days. Given attitude, cussing, will not comply with requests. Told the check will not be cleared due to age of check and overdraft of account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I responded to a unauthorized invoice email to my XXXX account. I called the number on the email. This was a spoofing operation that was able to momentarily hack into my computer, locate my XXXXXXXX XXXX password, access my Coinbase account, withdraw {$1900.00} on XX/XX/XXXX ( and XXXX {$100.00} payments on XX/XX/XXXX ), convert it to XXXX on my Coinbase account, and disappear. I noticed the missing {$2100.00} funds from my XXXX XXXX  account on XX/XX/XXXX and immediately contacted XXXX XXXX and Coinbase to report the scam. Coinbase was unwilling to track down where the XXXX went, and basically said they're not responsible. XXXX XXXX was able to return the funds on XX/XX/XXXX, and I thought the matter resolved. But just yesterday ( XX/XX/XXXX ) I was notified by Coinbase that they are going after me for " Payment Required : We ran into a problem collecting funds for a recent purchase. Please complete this payment to restore your account '' for the {$2100.00} withdraw. I've just contacted XXXXXXXX XXXX and they will not allow Coinbase to withdraw any funds. I am going to lock this Coinbase account and close the account.
Product: Student loan

On XX/XX/2018 XXXX XXXX  sent a check in the amount of {$55000.00} to pay off our son 's student loans. The check was made payable to XXXX XXXX in the said above amount and deposited on XX/XX/2018. We have a copy of the check that was sent showing it was deposited. We are getting collection notices, and they are adding interest to the amount. They ( XXXX  XXXX ) can not find where the money was applied to. 

We called and talked to a XXXX ( Call center rep ) # XXXX who did not have a clue. I asked to speak to a supervisor. I spoke with a supervisor named XXXX # XXXX who also could not find out with happened to our payment. 

Could someone please help us with this problem.
Product: Debt collection

I noticed a debt collection on my credit report from Transworld Systems for an amount of {$1900.00} that I was never notified of this debt or nor was it ever validated or given the opportunity to validate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to XX/XX/XXXX, we accumulated over {$19000.00} on a credit card issued by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The account was in good standing, and minimal payments were paid in a timely manner. <P/>We valiantly tried to pay this amount down, with good success. The balance in XX/XX/XXXX was {$15000.00}, and by XX/XX/XXXX the balance was {$12000.00}. We paid that in XX/XX/XXXX, and the balance in XX/XX/XXXX was just {$150.00}. <P/>In or about XX/XX/XXXX, XXXX changed all open credit cards from XXXX to XXXX. This was done at their discretion, not at our request. We were informed that all XXXX were to be destroyed, and we were issued a new XXXX card with the same balance, credit limit, and interest rate. XXXX notified all XXXX customers that all accounts would be switched to XXXX. <P/>We continue to use the XXXX at a reasonable pace, and the amount owed now is about {$1300.00}. XXXX does not dispute any of this information, and we are in complete agreement that our {$19000.00} XXXX was paid off, that our account was switched at XXXX 's direction to XXXX, and that we now owe {$1300.00}, and we have paid our account properly. <P/>However, our credit report on Experian shows two open and active XXXX charge accounts. One is the now-defunct XXXX ( account starts with XXXX ... ) which no longer exists, and it shows a balance of {$19000.00}. The other is the current XXXX account ( starting with XXXX ... ) which shows the current amount of {$1300.00}. <P/>I have spoken with supervisors and representatives at XXXX for a couple of weeks now, asking them to remove the {$19000.00}, which they agree we do not owe, and which they agree is from a XXXX account which no longer exists, which was changed to a XXXX account. Each person told me that it is impossible for them to change the information. They said they have no means at their disposal to rectify an old mistake. They requested that I mail ( via old-fashioned US postal mail, not via an electronic method ) a " dispute form '' which, when it passed through their mail system and was assigned to someone, they would try to review the dispute. I refused, saying I would n't submit this complaint to get lost in their mail system, and most of all, because there 's no dispute. I also submitted a complaint in their forum for such issues, and " XXXX '' said she 'd review my problem. <P/>A woman named XXXX ( last name sounds like XXXX ) from the CEO 's advocacy office contacted me and told me my complaint was being " escalated ''. Her number is XXXX, XXXX XXXX. That was the last time I heard from herI have attempted to reach her on several days since, to no avail. No one from XXXX has contacted me. I spoke with Experian representatives who indicated that this should be a fairly routine matter for XXXX to correct. <P/>Our credit score and ability to re-finance our house are being affected, because XXXX shows that we owe nearly {$20000.00}, which we definitely do not. We do n't know where to turn.
Product: Credit reporting or other personal consumer reports

Despite providing concrete evidence of multiple discrepancies and inquiries on my credit report, my repeated attempts to seek resolution from XXXX, XXXX, and Experian have been met with deafening silence. In a world where financial integrity is XXXX, the need for the Consumer Financial Protection Bureau 's intervention has never been more evident. The discrepancies has impacted my financial standing, borrowing capabilities, and overall peace of mind significantly. I had hoped that presenting them with indisputable proof of these errors would swiftly lead to their correction.
Product: Vehicle loan or lease

Every month for the last couple of years, since XXXX, I am charged fees that are not explained to me. I am not able to pay these fees online as the online site or application does not offer the capability to choose to pay separately. I can not pay using the regular payment method as i have called previously to inquire, and was told if i pay any extra money online, it would go towards the interest only and not to fees. Since there is no available to option to pay these, I am not sure how Ally is permitted to charge the fees. 

Also, i contacted them on XX/XX/XXXX to inquire on privately selling vehicle while having a lien, and i was told they could not help me due to system maintenance and i would need to call back another time.
Product: Credit reporting or other personal consumer reports

I have accounts on my credit reports. 

1. XXXX XXXX 2. XXXX DEPARTMENT OF EDUCATION {$8400.00} 3. XXXX DEPARTMENT OF EDUCATION {$4200.00} 4. XXXX DEPARTMENT OF EDUCATION {$11000.00} 5 XXXX DEPARTMENT OF EDUCATION {$8500.00}
Product: Credit card

This involves Capital One Case # Case # : XXXX. On XX/XX/2024, a fraudulent charge made against my Capital One credit card ( {$2800.00} USD ), by a business apparently located on XXXX in XXXX. I contacted the credit card company immediately upon recognizing the fraudulent transaction ( XX/XX/2024 ), the card was frozen and the company did an investigation. A few days later I received a letter from the CC company indicating they were allowing the charge to be billed to my account because, " Information we discovered leads us to believe you or another account user benefitted from the transactions. ". I called the CC company, spoke with an agent and explained I had not been to the business who made the charge, and made no transactions with them. The agent refused to reverse the charge.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and to give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Checking or savings account

I deposited a check on my On mobile deposit on On thursday XXXXXXXX XXXX XXXX On friday XXXX XXXX XXXX Said check cleared The payers bank And was accepted by regions bank at XXXX XXXX XXXX. At this time it was deposited to my account And then withdrawn by regions and a hold placed on it. They have refused to abide by f c c regulation And give me a reason for the hold Are refusing to remove the hold even though they admit it has cleared
Product: Debt collection

I was never legally notified of this debt, i was never aware of it when it was made back in XXXX. When i created an account with all 3 credit agencies last year I found an amount over {$2000.00} on my credit. Ive been trying to remove it since last year when I found out about it, I also never received reason and proof of the debt from the debt collector IQ Data International Inc, Ive been calling that company all day today and got hung up on, disrespected and no help. They are refusing to talk to me and the rep said shell see if someone can send me information regarding the debt on my credit. The owners of XXXX XXXX apts sold the complex in XXXX  and sold information to IQ DATA international which is illegal. They didnt go to court regarding this matter, also my 4th amendment right was violated because they publicly shared that information without me being aware of it and assumed I am responsible of the debt which is also going against 15 u.s.c 1694 c-d and other codes were violated but Im not going to put every code here but I will submit the forms and which code was violated. When I asked for the reason of debt to mailed to me I never received anything. I never validated that debt! You can not send a debt to a debt collector company without legally following the proper steps to collect a debt from someone. They didnt go to court and theres no record of this. Ive spoke with someone that used to own XXXX XXXX Apartments and she informed me that that complex was sold in XXXX  along with other information. I will upload some forms later on
Product: Mortgage

For the last two years my mortgage has increased from XXXX to now paying XXXX a month. My mortgage is a fixed mortgage. I dont understand why the increase. I called the company but they give the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis has degratory informtaion on my credit file and i ahve reported. I have phoned and tried to login. How in anyone suppoed to get credit or get above in lifewith adversary remoarks on report that are not true?
Product: Debt collection

I previously disputed BOTH accounts with Discover XXXX & XXXX. I let them know these account was not reporting accurately. According to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a 1099-C ( Cancellation of Debt ) from DISCOVER in regards to the following charged off accounts. DISCOVER received a corresponding tax deduction for the uncollected amount associated with these charge-offs and I had to file the balance of {$4400.00} & {$1300.00} as income on my taxes! These accounts can no longer be reported to my credit report. Not only does this violate my rights per the FCRA, this is also tax fraud on XXXX Part. Delete this account from my credit report immediately for inaccuracy!
Product: Debt collection

{$63000.00} was reported to my credit account number the judgment was only for {$10000.00} and that was covered. I requested this to be removed from my account and the company XXXX said they sold the account I contacted Columbia Debt Recovery they have been difficult and said they are contacting the company XXXX they received the amount for {$63000.00} on XX/XX/year> I provided them with them the correct amount and judgment and nothing has been changed etc. my account credit is reflecting this false inaccurate debt and cause my life pain. the judge also removed my mother and they have tied it to her as well. please remove
Product: Credit card or prepaid card

Venmo credit card fails to send notification about upcoming payment due and even fails to send any notification when due date was missed and late fees charged. 

I would notice that I was charged a late fee a week later but no email, texts, or in-app notifications were provided to remind me about the payment. 

These are sketchy practices praying on customers to forget to pay on time.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 # XXXX, Account # XXXX, Account # 15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any adverse adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 USC 1681 s-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 the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I purchased a Money Order from a local store that sells SIGUE money order on XX/XX/24. This money order was for my car payment of {$490.00}. I mailed it to my car payments bank. A week later or so, USPS sends back the money order all torn in half with half of the money order missing. So I went back to where i purchased it and they refused to refund me. They told me to contact SIGUE directly, which i did. I mailed a complaint yo SIGUE and i heard from them a month later and told me they can not refund me because they stopped selling money orders. They told me to contact my state banking commission. But I want my hard worked money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan car lease with J.P.Morgan Chase. I paid my final payment of {$400.00} in XX/XX/XXXX within the month that it was due, however a non payment record went on my credit report. When I realized it was on my report in XX/XX/XXXX I called Chase. They verified that the payment was made, questioned why it even made it to the report and said they would contact the credit bureau to have it removed. I also asked for a letter to be sent to my home address stating that the loan was paid for during XX/XX/XXXX in which they said they would. This was necessary as I was in the middle of purchasing a home and needed proof of clearance. XX/XX/XXXX I still didnt receive the letter so I called Chase again. They reassured me that they reported the correct info to the credit bureau, that I'd have to wait 30 days for it to update and that they would send me the letter I had been waiting for. Two weeks later I received the letter, however it did not mention anything about properly paying the loan in XX/XX/XXXX on time. It said the account was closed and paid in full. In XX/XX/XXXX not only did Chase not send me the proper letter they sent one stating that they reported the correct info to the credit bureau. During this time of calling each month and being told to wait 30 days for an update my credit report has dropped 100 points, and states that the car loan was paid in full after collections and closed the account as of XX/XX/XXXX. This is very unprofessional of them and I shouldn't have to wait another 30 days to improve my credit score for their mistake.
Product: Credit reporting or other personal consumer reports

I have disputed my XXXX XXXX  information in my credit report. This account was settled, with the company sending a settlement to my debt consolidation company and me accepting the settlement offer. The debt was paid via settlement for less than the amount owed and paid off in XX/XX/. The creditor is still reporting my balance as overdue and for the full amount, and has refused to reflect the account as being settled ( for half the original amount ) and that settlement being paid off ). This has stopped me from being able to secure an auto loan for the last several months, because the loan companies are still seeing this account as being behind, when in fact it has been settled and paid. Any help would be appreciated
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a tax lien while I was getting divorced and going through a bankruptcy reported  XXXX   XXXX   XXXX , it was paid and released  XXXX   XXXX ,  XXXX . Of the  XXXX  reporting agencies Equifax has declined to take it off my credit report also it does not show it was released. I disputed this with a credit repair company as well as direct dispute with Equifax, also I called.   How do I get it released?   Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

This acct has been removed from my XXXX and XXXX credit report its still showing on my XXXX!!!
Product: Credit reporting or other personal consumer reports

Again, this XXXX XXXX again forgot to report correct amount in my credit profile, thank you CFPB for not pushing them for this violation, this is shows me again that nobody is following the Low of this country, I said before and will say again, all this reports and complaints Im saving for future lawsuit to this company, I thought that everyone must follow the Law how its says in the Constitution but I was wrong, anyone can violate the law and nobody will hold them accountable. Thank you