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

Attached documents prove that TransUnion incorrectly reports an XXXX XXXX XXXX account as late for the month of XXXX, when payments were made early/on time. XXXX XXXX violated consumer regulations in credit reporting, failed to properly investigate errors that their support supervisors identified as originating from XXXX XXXX, and improperly reported an account as late for XXXX XXXX, when documents detail payments being made early/on time for said month. Attached documents show in detail that the XXXX XXXX XXXX generated technical errors, initiating a series of events - all caused by XXXX XXXX - that were immediately rectified by the consumer ( myself ). Attached documents prove that payments were made to the account on time/early every month, with the month of XXXX being no exception, but the account was reported as " past due '' to credit bureaus due to their technical errors. Though there were no late payments in this case, Attached documents prove that XXXX XXXX violated regulations requiring late payments not to be reported negatively/late to credit bureaus under 30 days of past due. Attached documents prove that XXXX XXXX and myself only experienced brief windows ( hours ) in which either party was aware of issues. Attached documents prove that an error code generated by XXXX stating that my bank ( XXXX XXXX ) or myself initiated returns for past month 's payments is WRONG. Said " returns '' ( documents show they were never returned to my checking ), occurring on XX/XX/XXXX and XXXX caused the account to appear past due for a brief period of no more than an hour or so. Payments were immediately sent, and I was assured on recorded lines by XXXX XXXX associates that no further action was needed, and the account was current " Far from late. '' A supervisor identified the cause of the issue and explained it in detail on a recorded line ( case XXXX ), recognizing XXXX XXXX 's error. As an example, for the month of XXXX, a payment was posted in the amount of {$3000.00}, which shows as accepted/recieved on the XXXX XXXX Statement. On XX/XX/XXXX I was notified that this payment was " returned. '' My checking account statements ( matching the checking on the XXXX XXXX statement ) show that these transactions were never present for myself or XXXX XXXX to have initiated, or received returns. Attached documents detail the situation in it's entirety. Support from XXXX XXXX was minimal ; documents were requested to prove my dispute, but I was given NO proper location to upload the documents other than via generic help chat in the XXXX XXXX app. Supervisors could not/would not confirm that these documents were even posted to the case or my profile.
Product: Debt collection

After checking my credit report, i noticed that Diversified is reporting that i owe money on a bill that is not mine. This is incorrectly reported and needs to be removed immediately
Product: Credit card

On XX/XX/2024, I made a monthly payment on my US Bank credit card account. I didn't include the statement with the payment because the statement was stolen out of my apartment, but I did include the account number on the money order I provided for the payment ; now their saying that they haven't received my payment. I pay this way ( by money order ) once a month and never have a problem making the payment on ( account number XXXX ). Can you please help me?
Product: Credit reporting

I have been trying to clear a XXXX XXXX account from my report since XX/XX/XXXX. 
This account was included and discharged in a Chapter XXXX Bankruptcy XX/XX/XXXX. I have repeatedly sent credit dispute forms to Equifax as they are reporting the account with a past due balance of {$100.00}. All Chapter XXXX accounts were paid and should report a XXXX balance. For some reason, they refuse to clear this XXXX account up and it is hurting my credit score and reporting negatively. The account was from XX/XX/XXXX. I have been working very hard to recover from a bankruptcy and trying to clean up my credit. Equifax just keeps ignoring my requests and never seems to resolve the negative status. All of the other XXXX accounts in the Bankruptcy are reporting correctly with a XXXX balance except for this XXXX. Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I've been using cash app for quite some time and I constantly have XXXX in multiple other businesses that keep trying to take money even though I have him blocked it's still manages to take money all the time and I've disputed this time and time again with the XXXX transaction it keeps doing and they've never gotten to the bottom of it just alone and XXXX or XXXX days I've probably got maybe XXXX notifications of XXXX trying to take money
Product: Debt collection

Vendor sent a letter to XXXXXXXX XXXX XXXXXXXX asking for about {$570.00} from XXXX. I'm wondering why so long even though this is not my debt. Going to have my wife respond via the letter as I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year> I filed a dispute on two charges that were a scam. 
XXXX XXXX XXXX XXXX XXXX XXXX  and the other for {$3000.00} for the residence. 
I explained to the company that I did not receive anything and that the company kept stringing me along and was not even a real business. 

I am a student and was away in school. USAA said they sent me a notification that I had to submit proof in 30 days. I never received that notification and so they debited my account for the {$7500.00}. I sent in proof that the amount was suppose to be refunded when I no longer wanted to adhere to their stall tactics. 

USAA won't even file the dispute. They are saying I had only 30 days to send a response and I contacted visa and they said that is not the case. The company kept delaying the delivery of the artwork all the way up until XXXX and I said I was not going to wait that long. The phone number does not work ; there is no info on the designer anywhere. 

This is affecting my credit and making my interest and payments high.. 

USAA will not even submit this for a dispute.
Product: Prepaid card

I have tried to contact VanillaGift.com. 
I am unable to get in touch with a human to talk about my issue. 
Just an automated option list that does not offer any problem solving Catagory. 

My gift card started.out with {$500.00} on it. 
I was able to use it without any issues until I had a balance of {$85.00} left on it. Then it was denied. This card started being denied in XX/XX/year>2024 and still gets denied today. 
I call and get my balance, The recording says I have {$85.00} balance and my card is active I would be grateful for any help you could give me. 

Thank you
Product: Debt collection

FOX COLLECTION CENTER did not address the issues in the previous complaint filed against them. There were no documents received from FOX COLLECTION CENTER. FOX COLLECTION CENTER stated " Our client has verified that this debt is valid and due. We have marked the account as disputed. '' This response is does not address the violation brought forth in the initial complaint. It is vague and they are expecting me to just go along with an answer like that. I have reason to believe FOX COLLECTION CENTER is avoiding accountability. This collection company is behaving passively regarding my complaint. Did not address the violations directly. It is obvious FOX COLLECTION CENTER is violating the FDCPA and FCRA. I did not receive any documents from this company, they are damaging my reputation and character, and they are not licensed to collect in Tennessee where I reside. I want this account removed. They have no legal right to collect debt in this state because Tennessee requires debt collectors to have licenses to collect. I have already proven that. They are practicing illegal unconstitutional behaviors. It is abusive and causing me emotional distress.
Product: Debt collection

I received {$1100.00} reimbursement check from Winn Law Firm sometimes in Mid XX/XX/2019. This is not the full amount. The full amount is {$1200.00}. It's {$120.00} less. 

According to the Winn Law Group, the {$120.00} was used to pay itself under legal fee service. In other words, they stole my money, and then they charged me {$120.00} for stealing it. This is outrages. You have nerve. 

I don't care how you spent it. You took my money. You have to return it in full. Period. 

We are not done here. 

Give me back my money, now.
Product: Checking or savings account

I have no knowledge of the account they are trying to charge me for. During my time as a XXXX XXXX I paid all my bills and everything I owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account multiply times and never gets fixed. I have called and talk to bank of America at XXXX and they told me it would be fixed. I talked to XXXX I got a case number from them to make sure I had something to fall back on and that case number is # XXXX she said It would take 45 days to fix. I was on the phone with them for 52 minutes. I have never received and information from them. I filed bankruptcy chapter XXXX in XXXX of XXXX with a discharge. The account number is XXXX. The account still says it is open-Derogatory? They last reported on XX/XX/XXXX on my credit. I don't know what else to do? XXXX cell XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian regarding an address reporting on my file of XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX TX XXXX which is not my address and has never been my address. I have lived at my current address XXXX XXXX XXXX XXXX XXXX XXXX TX for the last 21 years. They state they can not removed due to the address being attached to a XXXX  XXXX XXXX account which I have disputed numerous times with no success. 

I XXXX the address in question and it belongs to a XXXX XXXX XXXX XXXX XXXX XXXX. That is a business not a residence and I have never lived there or worked there. This is why I have had the fraud alert on my credit profile and its very obvious it really does not work if someone still was able to access my credit and tried to apply for credit on my behalf. I am self employed and my business address is XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX. 

What I want to happen is to have the address deleted immediately. If they state it is tied to the XXXX  XXXX XXXX account which I have also disputed repeatedly, I'd like to have both deleted immediately.
Product: Credit reporting or other personal consumer reports

I am contacting Transunion in regards to the recent response to my CFPB Complaint # XXXX. Again, Transunion has not properly provided verification of method of verification and I am not asking for information from a data furnisher. This is well over the 15 day window allowable according to FCRA. I demand you remove the account XXXX XXXX XXXX immediately! This is now a violation of my rights! I am disgruntled and demand Transunion to remove/delete the account reporting to XXXX XXXX XXXX as it is in violation with FCRA. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I spoke with a rep at LOANME INC, he had a full XXXX name, definitely a broth told me that he would be deferring my loan payments for 90 days. This was in XX/XX/2019 which means my first payment would have been next month in XXXX. Yet my account has now gone to collections and it is destroying my credit  score, this is illegal and predatory. Ive been out of work as I explained to the company rep and he was  responsive and empathetic. Either way my credit is taking a malicious decline all due to their lack of integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive notified TransUnion via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. With each request, TransUnion only sent me a credit report stating that the accounts were verified. The FCRA says that TransUnion has to provide me with the information used to verify the account in question. FCRA says its required by law to verify through physical verification of the original signed consumer contract, any and all accounts thats listed on my credit report. Ive demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported. TransUnion has continuously ignored my requests & has continued to report the unverified negative information on my credit report. FCRA states that unverifiable accounts must be removed and if the company is unable to provide me a copy of verifiable proof, they must remove the account.
Product: Checking or savings account

deposited a cashiers check on XX/XX/XXXX on XX/XX/XXXX truist decides to put on a hold on a cashiers check until the XXXX of XX/XX/XXXX which is absolutely ridiculous their reasoning is that they may not get paid from this check
Product: Credit card

Total dispute amount {$10000.00} On XX/XX/ Chase Bank provided a letter to homeowner stating the following... Thank you for letting us know the charge below is VALID for the amount of {$5000.00}. Letter reflects the merchant which is my Company and XXXX as my processor for credit card transactions. 

On XX/XX/ Chase Bank provided a letter to homeowner stating the following... Thank you for letting us know the charge below is VALID for the amount of {$5000.00}. Letter reflects the merchant which is my Company and XXXX as my processor for credit card transactions. 

This entire mess started when homeowner contacted their Chase credit cards company by opening false claims about my company on XX/XX/XXXX XXXX XXXX This was my second project with the homeowner but now for the first floor of her single family home for 16 Custom Windows which were ordered with a local window Manufacturer based in Chicago. As I noticed these 2 false claims on XX/XX/ i immediately contacted the homeowner. As you see by the dates above she contacted Chase on XX/XX/ XXXX XXXX  telling Chase claim was VALID for the initial {$5000.00} charge. My company went on and beyond even when the homeowner contacted Chase about the total of {$10000.00} false disputes. On XX/XX/ the project was fully finished and the {$10000.00} was never reversed by Chase to my XXXX XXXX account. I have contacted Chase with the homeowner at end of XXXX and Chase assured us that the 2 separate charges will be back to XXXX by XX/XX/XXXX. Today is XX/XX/ and my patience is running out with Chase and XXXX. As of today I paid for the 16 custom XXXX and all materials and labor costs. To this day I have good communication with the homeowner claiming Chase never gave them the credit back. My other resolution was to run a new transaction using my new XXXX payment processor but homeowner said Chase has the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 607 I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore must be removed immediately. 
I do not have accounts or debt with the following creditor therefore I am requesting the original purchase agreement with my signature. Also provide documentation that show you are the legal owner of this alleged debt as well as all terms and conditions. If such can not be provided I request IMMEDIATE deletion off my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Also, Upon research the following Debt Collectors are not licensed to even collection in my State which is Ohio ( see attached XXXX furthermore is a complete violation of my rights and THE LAW. Prompting IMMEDIATELY REMOVAL from my credit profile. 
Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. Please respond promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law.
Product: Debt collection

MBA Law At XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notice in the amount of XXXX. Seeing the collection has been reported as past due I do not know this company. I have never done any business with this company, this company does not have a contract with my signature.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX {$4800.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX {$6700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$7300.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Miuse of my credit report, information, Thirdparty sharing. Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and transunion and are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent wether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. They never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states ''Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title nelnet is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I paid an amount of {$350.00} to the collection agency and the collection agent stated would request the removal of debt from credit report but only reported debt as paid and will not have it removed ... collection agency did not do what was agreed to. then when I call back the supervisor was abrasive and rude and proceeded to hang up on me in mid sentence. I feel abused and lied to.
Product: Mortgage

On or about XXXX I applied for a refinance loan with a company called Intelliloan , Inc XXXX I have struggled with this company for 100 days trying to get this loan completed only to get a last minute we can't do this loan as it was told to me by a company representative. In order to get to this final position in the loan process, I had to obtain an appraisal for the property in question at my own expense. ( {$1200.00} ) After doing so and going through this long process that would normally take 3-6 weeks I was told that there would be no loan given at this time. This lender was extremely difficult to work with. After the turn down of the loan to me and my wife we decided to go to another lender. I asked the lender for a copy of my appraisal that I had paid for so that I may be able to submit to another lender. That lender gave me a partial copy of the appraisal but NOT a full and complete appraisal so that I may use it with another lender. 
They ( the lender in house legal department ) said that they do not have to give me a complete copy of the appraisal and that all I would receive a what they sent me already. 
I had explained that I wanted a FULL and COMPLETE copy of the appraisal that I paid for or it would be useless to use with another lender. There response was still a resounding ( NO ) I want my money back for this lost expense that I was not allowed to use by this lender. Can you help?