23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Transunion charged my credit card without my knowledge or consent. They charged my card 22 months at XXXX a month. At no point did I agree to pay them. Their month charges costs me over limit fees, interests costs, and they refused to fix this problem. The manager said that they will make a note on the account to not make any refunds. I believe that I am a victim of a scam. Transunion should not have been charging my card for any reason.
Product: Debt collection

A collections account that does not belong to me was placed on my credit report by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ACCOUNT # XXXX ( {$180.00} - DATE OPENED : XXXX ) Written request for validation of debt was sent to debt collector via certified mail on XX/XX/2022. Written and electronic disputes were also submitted to all 3 credit bureaus. 
Debt collector failed to respond to my request for validation. On XXXX XXXX all 3 credit bureaus confirmed that this debt does not belong to me and removed it from my credit report. 

On XX/XX/2022, this same debt that has been confirmed as not belonging to me has been placed on my XXXX credit report as a collection account but with a different debt collector : CREDENCE RESOURCE MANAGEMENT - ORIGINAL CREDITOR XXXX XXXX ACCOUNT # XXXX ( {$180.00} - DATE OPENED : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX - XXXX TX XXXX I submitted an electronic dispute with XXXX XXXX
Product: Checking or savings account

My nephew 's birthday was XX/XX/XXXX. I sent him a {$50.00} XXXX XXXX card via Cash App on XX/XX/XXXX. He informed me that the account I sent it to belonged to him but that he no longer has access to it and has a different account that he has access to. I called and spoke with a rep yesterday and was advised that he ( my nephew ) would need to call in himself and they would help him access the old account and get his gift card moved to his current account. 
He called and was advised that there was nothing that could be done, so now the gift card is just sitting on his old account that he can't access. 
Chat support also indicated that he could call in, he has and no one has been able to assist him.
Product: Student loan

Date : XXXX A spreadsheet is attached to illustration the complaint below. 

I have three loan accounts with Navient. One of which was paid off online on XX/XX/2019 and the balance has been negative ( overpayment ). But today, Navient website said I still owe them {$81.00} in principal and {$0.00} in interest. This is totally unreasonable and I think even a fraud for CFPB to look into. The balance was negative, meaning I didn't owe them for that loan anymore, but they just came back and say I do. I believe they are not doing their business ethically, and it's very deceptive, taking advantage of the customers. And I was on the phone with multiple people for over an hour. No one could help me close the account that was paid off. And I have to see balance building up for the debt I already paid off. 

In addition to the above loan, I have another issue with another loan, of which the agreed-upon interest rate is XXXX %. But today I see the principal increased {$15.00} by way of capitalization of interest. This is unreasonable because I do not have balance due, payments were made on time. Why this " punishment '' of capitalization of interest? What's more is that the interest portion increased by {$30.00}. This is also upsetting because the XXXX % daily interest should have been {$5.00}, let alone that they capitalized {$15.00} to principal, and there was no corresponding adjustment made in the interest portion. 


I'm very disappointed at and frustrated with Navient, I don't know if it's an honest mistake of their system or they are defrauding their customers. I hope CFPB can help me resolve the issues with Navient. If they are defrauding their customers, please help protect the public with the power you have.
Product: Credit reporting or other personal consumer reports

A small claims lawsuit has been filed by XXXX XXXX XXXX against XXXX, Equifax, and XXXX credit bureaus. The lawsuit alleges that these credit services have been reporting inaccurate information, compromising XXXX XXXX XXXX 's credit profile due to fraud. Despite multiple notifications to the credit services, the necessary corrections have not been made. This notice serves as an attempt to settle the issue of the misreported information. Failure to update the credit profile appropriately may result in the continuation of the lawsuit to seek damages from all three credit bureaus. This letter provides an opportunity to rectify the errors, and it will also be presented as evidence in the lawsuit. Thank you. 

accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I filed a previous complaint on Fortiva XXXX, I was told that if I paid a certain amount by the end of XXXX that the account would be settled in full. This did NOT happen, I received an email stating that I was behind on payments for {$22.00} AFTER sending them the amount agreed to in my previous complaint. They are reporting this to credit agencies and have not held up their end of the bargain.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XX/XX/year> Global Federal Credit Union XXXX XXXX XXXX XXXX, AK XXXX Subject : Request for Documentation and Proof of Non-Securitization of Collateral and Decline of Security Interest Revocation I am writing to formally request verifiable documentation that proves my collateral has not been converted into a commercial paper security or certificate of indebtedness, as per the stipulations of the Federal Reserve Act, specifically Section 16, and the Uniform Commercial Code ( UCC ). Additionally, I am seeking clarification and proof regarding your decision to decline my security interest revocation. 

Reference to the Federal Reserve Act, Section 16 : Section 16 of the Federal Reserve Act governs the issuance and use of commercial paper, including certificates of indebtedness, and ensures that collateral is not improperly securitized. It is critical to confirm that no actions have been taken that would violate this provision or any related UCC laws. 

Specific Requests for Proof and Documentation : 1. Proof of Non-Securitization : Please provide concrete documentation demonstrating that my collateral has not been used to issue any form of commercial paper or security. This includes any evidence proving my assets have not been transformed into securities or used under arrangements in violation of Section 16. 
2. Clarification on Decline of Security Interest Revocation : I demand a full explanation and supporting documents detailing why my security interest revocation request was declined. The UCC and federal law protect my right to manage my collateral, and I am entitled to know the specific legal grounds for this denial. 
3. Certificate of Indebtedness and Debt Status : If my debt has been securitized or discharged, I require a copy of the certificate of indebtedness and the corresponding IRS Form 1099-C. This form is necessary if a debt has been canceled, as mandated by federal tax law. 

Demand for Commercial Paper Security Proof : If no collateral has been turned into a commercial paper security, I request verifiable documentation to prove this. Additionally, if my debt has not been canceled, please explain the absence of a 1099-C form. 

Your cooperation and transparency are crucial to resolve this matter and ensure compliance with the Federal Reserve Act, UCC regulations, and relevant banking laws. Please respond to this request within 10-15 ] business days, and include all necessary documentation. Failure to do so may result in escalation, including legal action or regulatory review. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$640.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

On XXXX XXXX, XXXX I mailed to Wells Fargo a Error Resolution Notice under 12 C.F.R. 1024.35. I received verbal acknowledgement from Wells Fargo that errors have been made on my account. I was advised by Wells Fargo that I would receive written confirmation of the errors including that the errors have been corrected. I have not received written confirmation. On XXXX XXXX, XXXX I mailed Wells Fargo a request for a complete account history of my mortgage. As of XXXX XXXX, XXXX Wells Fargo has failed to provide the information I requested. On XXXX XXXX, XXXX I mailed Wells Fargo an additional letter. I advised Wells Fargo that I have not received an acknowledgement of the errors made on my account concerning the Error Resolution Notice. As well as advising that I have not received the information I requested on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX I have not received from Wells Fargo a letter acknowledging errors made on my account ; if the errors have been corrected ; nor have I received a history of my account.
Product: Credit card

I have a Chase United card. 

I discovered that suddenly in XX/XX/XXXX, and then again in XX/XX/XXXX, Chase has billed my account with a {$95.00} annual fee. 

The same card has been used since roughly XXXX, with no annual fees, and I did not receive any prior notification to any such change. 

I incidentally noticed such a charge in XX/XX/XXXX and requested a different card, but Chase refused to refund the previous years ' fees with no explanation.
Product: Debt collection

XXXX back in 2012 was the worst serivce that i had and they charged me XXXX for no serivce or no coverage.
Product: Credit reporting

my actual name on my name nys id is XXXX XXXX XXXX not XXXX XXXX XXXX XXXX like equifax, XXXX and XXXX has it and i told them more than once to change it and they havent yet i even send them mail and fax with a copy of my XXXX id and my bills with no luck can you guys please help me thanks for your help and service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX XXXX, I realized that on my report their was inaccurate information being reported. The credit card is from XXXX XXXX bank opened on XXXXXXXX XXXX XXXX I have reached out to the company to get removed but no luck. Please remove this fraudulent account!
Product: Credit card or prepaid card

I signed up for this card in late XXXX. The offer was for {$500.00} bonus cashback after spending {$5000.00} in the first three months. I completed these requirements in XXXX. 
I was told to wait another month. Then I was told to wait 60 days after the 90 days were up. It's the end of XXXX, I've received nothing.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are kept to be established as correct. I am in desperate need of these items to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, Robinhood froze access for me to withdraw my funds from the platform. They intially stated they were doing this because the depositing bank that deposited the funds was now different from the bank that is receiving withdrawls. 

They asked for me to send in documentation of every previously linked account, and current linked account, which I did. Since I did this, they have now changed their messaging, saying I may not be able to withdraw my funds at all, and my account is in a remediation process. 

This is an illegal and unjust action by robinhood to withhold my personal funds, which I trusted with the platform. Continuing to hold over {$110000.00} of my hard earned money is casuing me great stress and trouble. I can barely sleep. My life is a nightmare, thanks to what robinhood is doing to a XXXX XXXX XXXXXXXX XXXX 

I repeatedly attempt to contact robinhood every single day, but an automated robotic reply just keeps coming back. They blocked me from phone support and chat support. I dont even have the money for a lawyer.
Product: Credit reporting or other personal consumer reports

Endorsed notes/ negotiable instruments and paid in full ( check number XXXX, {$250.00}, XXXX ) XX/XX/year> followed up with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX information was received on XX/XX/year>. Registered number XXXX, Registered number. XXXX, Registered number XXXX 1099-A form sent in also with documentation Bonds and Security sent with endorsement stamps ( canceled ) I will report fraud with ( XXXX  ) I also have security interest with documents sent to them. 

Also information copied and sent to XXXX XXXX at US Secretary of Treasury ( Department of Treasury ) XXXX XXXX XXXX XXXX, Washington DC XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX Is showing a total of six late payments XXXX XXXX XXXX XXXX XXXX Is showing a total of 10 late payments XXXX XXXX XXXX  - XXXX Is showing a total of 2 late payments According to 15 USC 1681a ( 2 ) i ( 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 ; These three accounts that i have references all of late payments those are considered transactions and my experiences with said company making the report ( Experian ) These late payments/ Transactions/experiences need to be deleted from my credit report and need to be updated at Paid as agreed or Paid/Never Late
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am

a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I hav
e the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want all collection accounts deleted asap! they do not belong to me and Ive provided this company proof over 3 times.
Product: Debt collection

I was looking on my credit report and found out that a collection agency, Midwest recovery LLc put a collection on my credit report. I have no knowledge of this account and of the creditor XXXX. I would like this collection removed off of my credit report. I have received no information, documents, etc in regards to this loan. This I know is against the FDCPA and recording false infromation on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I was reviewing my credit report and a bank that I had opened in the past closed AND CHARGED OFF for an overdraft amount that is different from the balance that the XXXX XXXX is reporting to the Credit Bureau. This was a checking and savings account and there was NEVER A LOAN THERE WAS NEVER AN ACTIVE TRADELINE ON THIS ACCOUNT. and for years it continues to report a balance and CO when in fact this was a checking account. 

On XX/XX/22 I sent letters requesting a proper and fair investigation XX/XX/22 XX/XX/22 The account is CLOSED this means the account has not been properly verified. I provided proof and also followed up requesting that they look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I've had a lock on my credit with all XXXX bureaus for years. Experian, is of course the most annoying. Instead of simply allowing customers to hit a single key to lock and unlock their credit, they have an annoying form to fill out. Apparently this process hasn't helped them, considering the fact that this process hasn't stopped these XXXX  from losing everyones information a few years ago. 


Because of the corona virus I'm applying for a credit card. On XX/XX/2020 I unlocked my credit with the other bureaus and no matter how many times I put in my password Experian doesn't allow me in. Their system isn't even allowing me to answer the security questions I painstakingly set up with them. Now these XXXX  have the ABSOLUTE NERVE to request that I send them a copy of my SS CARD. MY ID, PROOF OF ADDRESS AND BIRTH CERTIFICATE all in the same envelope. Are they XXXX? They lost our info before, now they want it in the mail system? 

I tried calling and of course their service is terrible. They run you in loops and then hang up on you. HOW ARE THESE XXXX XXXX STILL IN CONTROL OF OUR LIVES? I want them to unlock my credit!!! It upsets me that I need permission from these XXXX  to live my life!
Product: Credit reporting or other personal consumer reports

I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX XXXX to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Product: Credit reporting or other personal consumer reports

My rights under the Gramm-Leach-Bliley Act, specifically 15 USC 6802 ( b ) and ( c ), have been violated by the improper handling of my personal financial information. 
According to 15 USC 6802 ( b ), financial institutions must provide clear and conspicuous notice about their privacy policies and practices, including the categories of information collected and disclosed, and the third parties with whom the information is shared. Additionally, 15 USC 6802 ( c ) requires that customers be given the opportunity to opt-out of the disclosure of their nonpublic personal information to nonaffiliated third parties. 

The specific ways my rights have been violated are as follows : Lack of Proper Notice : I have not received any clear and conspicuous notice from the financial institution ( s ) responsible for the information reported to your bureau about their privacy policies and practices. There was no explanation of the categories of information collected and disclosed, nor a list of the categories of third parties with whom my information might be shared. 

Failure to Provide Opt-Out Opportunity : I should have been given the option to opt-out of any sharing of my nonpublic personal information with nonaffiliated third parties. To date, I have not been provided with any means to exercise this right. 

Unauthorized Disclosure : Without the proper notice and the opportunity to opt-out, my personal financial information has been shared with nonaffiliated third parties. This unauthorized disclosure has led to the inclusion of inaccurate information on my credit report.
Product: Debt collection

Im filing a complaint against AMCOL Systems , Inc. because they are trying to collect a debt from me without properly proving that I owe it. Ive asked them multiple times for verification, but they have not provided the necessary documents. I believe their actions violate the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Health Insurance Portability and Accountability Act ( HIPAA ).

I received a letter from AMCOL saying I owe a medical debt XXXX. I responded and asked them for proof that I actually owe this debt, including a copy of the original contract with my signature and a detailed breakdown of any payments and charges, meaning a forensic accounting. They havent provided any of this information, which they are legally required to do under FDCPA 1692g. 

Since this debt is medical-related, I asked them how they obtained my health information and whether they had my authorization to access it. They have not given me any proof that they had permission to handle my medical debt, which could be a HIPAA violation. 

I live in Michigan, and I can not find any proof that AMCOL Systems , Inc. is licensed to collect debt in my state. Ive asked them for verification, but they have not responded. If they arent licensed, they shouldnt be attempting to collect from me. 

I sent AMCOL a written request asking for debt validation and proof that they are legally allowed to collect in Michigan. They have not responded appropriately. 

I asked them to provide a signed HIPAA authorization showing they had permission to access my medical records related to this debt. No response. 

I have attempted to resolve this matter, but AMCOL continues to send collection notices without addressing my concerns.

I Want AMCOL to stop collection efforts until they can prove I actually owe this debt. 

Provide proof of their license in Michigan or stop trying to collect from me. 

Show documentation that they were legally allowed to access my medical information. 

If they cant do any of this, I want this debt removed, and I would like CFPB to investigate their actions. 

This situation has been stressful, and I feel like Im being unfairly targeted for a debt that may not even be mine. I appreciate any help CFPB can provide in holding AMCOL accountable and ensuring they follow the law.
Product: Mortgage

Carrington Mortgage -I have tried to see why they are not updating my payments through the website. I paid XXXX and it still showing that it has not been paid as of XX/XX/XXXX. I can see on the website the payment distribution but not from the current due amount. I got a phone call on XX/XX/XXXX in response to an email that broke down all of my payments in this email I asked for an email for my records but they keep calling. I believe that they are being deceptive by now showing my account accurately and by now reporting it accurately.