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 following accounts/account numbers have violated my rights : 1. XXXX XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX XXXX XXXX Account # : XXXX 3. DEPT OF EDXXXX Account # : XXXX 4. XXXX XXXX XXXX XXXX Account # : XXXX 5. XXXX XXXX XXXX XXXX Account # XXXX 6. XXXX XXXX XXXX Account # : XXXX 7. XXXX XXXX XXXX XXXX  XXXX Account/Reference # : XXXX 8. US BKPT CT XXXX  XXXX Account/Reference # : XXXX 9. US DIST CT Account/Reference # : XXXX 10. US DIST CT Account/Reference # : XXXX 11. DPT EDXXXX Account # : XXXX 12. DPT EDXXXX Account # : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an identity theft report will all 3 credit reporting agency in XXXX of last year. I still have unauthorized, unknown inquiries. When I tried to confirm my identity online and on the phone with Transunion. It said it cant identify me and it won't transfer me to an agent. I received a denial letter in the mail for a loan I did not apply for. A I received an email from a credit monitoring service ( smart credit ) that my private info has been found on the black market. 

Per 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. 


Inquires : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VAXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Checking or savings account

I tried to dispute two individuals transactions with my bank of america they refuse to help me get My money back from XXXX XXXX  company I got scammed by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I got scammed for XXXX dollars bank of america claims department team has refused to give me a refund or credit and the XXXX XXXX company has refused to give me a refund also I got scammed on the XXXX XXXX platform e bought this to My bank attention Bank of America is not helping me get my money back from XXXX XXXXXXXX company bank of america has told me they don't have no dispute rights to get the money back from XXXX XXXX it's going on 2 months now I still have not got My money back from XXXX XXXX company or bank of america
Product: Vehicle loan or lease

Vehicle was repossessed only after company failed to explain and offer payment arrangements. 

Once vehicle was sold, remaining balance was significantly more than it should have been. 

Company refused to produce documentation showing that reasonable attempt to sale at value ever took place.
Product: Credit reporting or other personal consumer reports

I urgently request the prompt removal of the unauthorized accounts from my credit report. I did not authorize them, and they are causing significant XXXX. Please correct this error without delay.
Product: Mortgage

We provided all the documents they need to refinance our home mortgage. Home appraisal was done from our pocket. We were very upset about the XXXX months waiting for this home refinancing. We just wanted to rate the service of XXXX XXXX XXXX # XXXX as very, very poor and we would like to file a complaint about our experience ; very poor in communication! My husband called the secretary or assistant more than XXXX times and left a message all the time XXXX and also called XXXX 's cellphone so many times but no reply at all. We highly expected that they could help us with our loan because we were struggling financially and we were living paycheck to paycheck and hoping that they could lower our monthly payment and it did n't happen at all. All we want is their communication if they 're still going to process or not. We have waited for nothing! The money that we spent for home appraisal was wasted. And without them knowing, we paid late payments for our home mortgage and other bills because we 're expecting that it will be closed soon. We have an option to look for another banker or lender, so it could be done as fast as XXXX days. But simply informing us that they ca n't finalize the loan is an easy task to do but we did n't hear anything from them at all. Even my questions, worries and anxieties were not answered at all ( especially those bills that came regarding supplemental tax bill and updated home insurance ) which were already late too. He do n't have a heart to help others! We wasted a lot of money and time for nothing!!! They keep on giving us promises that it will be close by XX/XX/XXXX, then XX/XX/XXXX and now around XX/XX/XXXX or XX/XX/XXXX.
Product: Credit card

The company closed the account prematurely we already made arrangements and also paid on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX account on my report that is not mine. I was a victim of identity theft and made a police report ( approved ). There should be no reason why this is still on there. 

My rights have been violated through the Fair Credit Reporting Act .... 

XXXX # XXXX XXXX XXXX Section 602A states I have a right to privacy 15USC 1681 Section 604A sec 2 states a consumer reporting agency can not furnish an account without my written instructions or consent. 

Please honor these laws by simply deleting this fraudulent account ... this does not need to escalate to the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

All Students  loans were Paid-In-Full with Aidvantage back in XXXX XXXX Credit Bureau still shows a balance of XXXX XXXX  I demand to have to correct balance reflected as XXXX XXXX  Immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is incorrectly reporting this closed credit card info. They show a payment history and updated information where there is none. The card has been closed for years with no activity at all! They show no information that's accurate. So for their error they decided to update the account to their specifications avoiding the legal ramifications associated with falsely placing information on credit reports per the FCRA! None of the info they show is accurate and the dispute is a mute point!! They never corrected information even after I demanded they do so!!! I'm including Comenity Bank in this complaint to correct the information since XXXX can't seem to figure out anything or how to do anything right. My dispute is with XXXX for always reporting inaccurate information on my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to Complaint Number : XXXX about USAA referred to CFPB by Federal Trade Commission. IT seems like USAA are continuing the delay tacking and is refusing to seriously investigate the fraudulent account. 
I just got home and was told by her that a Certain XXXX ( phone number : XXXX ) call her on her cell to tell her that an independent review decision was not in my favor and my best bet was to call him at the above phone number. For some unknown reason USAA are not taking this matter seriously, a complaint that was send to the bank just this morning has already been seriously investigated by an independent review board? USAA have been fabricated transaction in attempt to justify this fraudulent account. 
Including to report that I have made my last payment in XX/XX/2016. Additionally the same account is being reported twice, as a charged off account and as a " Pay as Agree '' account, max out but in good standing. This is a fraudulent account!!!
Product: Credit reporting or other personal consumer reports

My credit report contains errors regarding late payments. Please rectify and ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I returned a XXXX XXXX XXXX as instructed by XXXX. XXXX had performed a preinspection and noted several minor repairs I should have completed before turn-in. I followed their direction and left all the documentation in the car front seat. XXXX still charged me for all the repairs. After several phone calls and multiple resubmissions of the documented receipts and pictures, XXXX finally removed most of the charges. I paid the lease termination fee of {$300.00} and a lost key for {$250.00} but XXXX continued to send me invoices each month. As you can see in the attached XXXX report the balance changed almost monthly for no apparent reason or without any clear itemization. 

Finally, XXXX claimed that the roughly {$390.00} was for personal property tax. Since the State of VA prorates I ask XXXX to send me a statement of the tax record. They didn't send anything other than non-informational monthly statements. recently my credit score took a big hit 100+ points. After investigating I found that XXXX had charged off {$2800.00} dollars. 

I have escalated this to a supervisor who claims there is nothing they can do, I ask the supervisor who would not provide his name or case/claim number. I ask for the supervisor I was speaking with for the 3rd time and he said " she '' would call me. I have received no call. 

I ask XXXX to update the credit bureaus with the status of the account has been paid in full. XXXX agrees it's been paid in full but refuses to report this to the bureaus or have the {$2800.00} charge off. 

This was a 3-year lease. Not a single payment was ever late. 

Hoping you can help me. I have Federal Government clearances and that charge off could prevent me from obtaining future clearances to provide assistance to our Federal clients. I explained the serious nature of this to XXXX they didn't seem to care. Thank you for any help you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any Purpose
Product: Mortgage

My XX/XX/2022 payment was sent by my bank, XXXX XXXX on XXXX. BSI did not process it until XXXX and then assessed a late fee to my account, the grace period ends XXXX. After speaking with BSI 's customer service representative, they acknowledged that the problem was internal with BSI and the fee would be removed. I can again provide proof payment was sent with ample time to avoid any late fee if necessary. Additionally, there is no simple way to communicate with them. The only way to email is to use a link on their website that does not provide proof the email was even sent, and they have never responded to the multiple emails I have sent. Phone calls are meet with hours of hold time.
Product: Credit card or prepaid card

On XX/XX/2021, my minor daughter, age XXXX, received a pre-printed " real '' Prepaid Mastercard from Netspend, issued by XXXX, via U.S. Mail. My first major complaint is the solicitation of a minor. As far as I can tell reading online, this is illegal. 

Secondly, there is nothing clear in the package that indicates this is an optional " offer '' but instead looks very much like she needs to accept this card in order to keep receiving her paycheck, now as a direct deposit from her employer. 

Third, there is a very hidden {$1.00} per purchase fee ( or {$9.00} per month fee ) to simply use the card. There are also ATM withdrawal fees, cash reload fees, ATM balance inquiry fees, and even an inactivity fee of {$5.00} per month after 90 days of no transactions. 

This card is clearly designed to take advantage of people who do no read fine print, and especially in this case of unaware minors. 

There is no live customer service phone number, only a number to activate the card. After searching online and trying various phone menu options, I finally reached a Netspend rep and complained. She told me to simply ignore the card and throw it away. That does not take care of any of the issues I just mentioned above. These are shady, illegal practices that are at least partially directed at children.
Product: Credit reporting or other personal consumer reports

Portfolio recovery placed a Collections Charge off onto my consumer report without my writtne instructions or consent.
Product: Debt collection

I mailed a letter 8 weeks ago to let the know i have never had a XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, I submitted a dispute to Transunion in regards to an account in collection with XXXX XXXX in the amount of {$260.00} that was paid in full to the original creditor, XXXX XXXX, in XX/XX/XXXX. They verified to account as accurate with the collection agency due to a {$0.00} balance remaining. I disputed the account again around XX/XX/XXXX showing bank statement of proof of payment settled in full and yet was denied due to information being deemed as accurate and it still remains on my report. I have recieved a letter a few days later from the collection agency deeming that account is considered paid/closed with {$0.00} balance dated XX/XX/XXXX and it still remains on my report inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress has established laws to combat aggressive collection methods and practices. But, the credit agencies XXXX, Equifax, and XXXX are ignoring the laws that I am providing today. 1692 ( a ), ( b ), ( c ), and ( d ) ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, marital instability, the loss of jobs, and to invasions of individual privacy. 
( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 
( c ) Available non-abusive collection method This means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 
( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce
Product: Payday loan, title loan, or personal loan

I have a " FlexLoan '' from XXXX XXXXXXXX XXXX beginning in XX/XX/2017 when I had several unexpected expenses. I had to use one transaction to even pay my rent. I understand this is not meant to be inexpensive credit and there are warnings about not borrowing too much, but I never saw the interest rate charged until I logged in and pulled up statements. Way at the bottom the rate is shown to be 279.50 %! No wonder I can not get ahead! On the original {$3800.00} borrowed, I am paying {$900.00} per month. The terrible thing is my balanced owed is going up each month due to compounding interest! 

I contacted XXXX asking for a way to lower my interest rate - they say that is not possible. I asked to close the account and setup a reduced repayment plan and they refuse. What is my recourse? I want to honor this debt but the outrageous interest rate and compounding is making this very difficult! 

Thank you for your assistance. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that credit bureaus will investigate this account for me to ensure accuracy. 
Here is the account I am asking you to verify as accurate : XXXX XXXX  XXXX account number : XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/2024 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Reference # XXXX XX/XX/XXXX - I began the checking account ending in XXXX XX/XX/XXXX - Incident happened where 5/3 bank took a {$0.00} principle loss and closed my account due the contribution reason " Checking Account Fraud '' I am not sure what they encountered, but I believe that I was a victim of attempted fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  XXXX , a federal tax lien in the amount of {$16000.00} was filed at the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . The lien was satisfied and then released on  XXXX   XXXX ,  XXXX . The lien was later withdrawn on  XXXX   XXXX ,  XXXX .     Equifax is still showing this lien on my credit report. On  XXXX   XXXX ,  XXXX , I filed a dispute at Equifax and sent them both the Certificate of Release o f Federal Tax Lien AN D the Withdrawal of Filed Notice of  Federal Tax Lien after R elease from the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I was told that this information was provided and verified to be accurate by a third party -  XXXX . No change was made to my credit report.     I contacted  XXXX  and provided them with the same court documentation showing that the lien has been released and has also been withdrawn.  XXXX  filed a dispute with Equifax on my behalf ; however, once again I received a results letter stating the lien was accurate as reported.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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

Equifax is reporting the following items inaccurately ( see enclosed ).  This violates the FCRA.
Product: Debt collection

Today I received a call from Nelson Cruz & Associates XXXX where they left a voicemail regarding a " pending legal matter ''. They provided a case number of XXXX. I returned their call to ask for more information and they committed several violations of the Fair Credit Reporting Act. 

Here is the list of violations that they committed : 1. They told me I had a " legal case number '' ( listed above ). I asked if the lawsuit was filed in Federal, State or County court. They then said there was no lawsuit filed. 
2. They also allegedly recorded the call without my consent. 
3. They attempted to re-age my debt. Specifically, they told me the last activity on the account was in 2011. This is untrue. Also, they stated that the statute of limitations for a breach of contract is 7 years. This is also false. The SOL in XXXX is 5 years, XXXX is 3 years and XXXX is 4 years. The statute of limitations has expired and the debt is not collectable. 
4. They stated that they were going to garnish my wages. I asked if they filed a lawsuit again and a man named XXXX XXXX proceeded to scream and harass me and threatened to garnish my wages. He said they 'd see me in court but would not provide me any information. 
5. I asked for their address to serve them written correspondence via certified US mail and he refused to provide the address. He then proceeded to make more false and misleading statements and misrepresented the details of my account in an attempt to intimidate me. 

Based upon the threatening tone of XXXX XXXX, I am now in fear that this company may use my personal information to exact " revenge '' on me and possibly even try to steal my identity or use my personal information for other nefarious purposes. 

I also did an online search of this company and it seems that they 've been using illegal tactics to collect debts from many people in various states. 

From my search of the XXXX Comptroller 's website, here are some of the people involved : 1. In house counsel/registered agent : XXXX XXXX XXXX, XXXX. ( XXXX Bar No : XXXX ) 2. Managing Member : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Please look into this company as I am sure they are victimizing many good hard working people with their deceptive practices. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries appeared from my credit report without my knowledge and from unknown banks or financial institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX Date Opened:XXXX Balance : $ XXXX Late Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX , I am a federally protected consumer and authorized representative for XXXX XXXX XXXX I am making this complaint of my own accord. Upon recent inspection of my consumer report feel my rights as a consumer have been violated by credit reporting agencies XXXX XXXX, XXXX and Equifax Information services. According to the FCRA, the ONLY " bureau '' is the CFPB. While I understand the credit reporting agencies have assumed a role in reporting, it is FEDERAL LAW that the information be ACCURATE! Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ), the term " consumer report '' DOES NOT INCLUDE - any authorization OR approval of a specific expansion of credit directly OR indirectly by the issue of a credit card OR similar device. I extended my social security card which is defined under 15 USC 1602 ( l ) as a " credit card '', for the purpose of obtaining money, property, labor or services on credit. Neither of the credit reporting agencies have my consent or permissible purpose to furnish the following inaccurate and not physically verified private personal information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX