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

I sent the letters on XX/XX/2022 and I'm hoping that this issue I'm having would be resolved by now but the company obviously won't act unless I seek help from consumer law experts. There are a lot of inaccuracies and errors in my report so please look into it.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX : Account # XXXX -Date opened XX/XX/XXXX XXXX XXXX XXXX  : Account # XXXX - Date opened XX/XX/XXXX - Balance {$17000.00} XXXX XXXX XXXX : Account # XXXX -Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX : Account # XXXX - Balance {$44000.00} -Date opened XX/XX/XXXX 2022
Product: Mortgage

I was in a repayment plan for past due taxes on my reverse mortgage with XXXX Mortgage. When the servicer changed to Champion Mortgage, I even increased the monthly amount and then was told, after having made XXXX payments, that they would no longer be accepting my payments. Subsequently, I was unjustly forced into default and served with foreclosure papers. I am now being told that they can not offer a repayment plan because the loan is in default. In addition, after having sent proof that I have been paying the homeowner 's property insurance, they continue to this day to state that I defaulted on the insurance payments and they have been adding the amounts to my loan balance, which is completely inaccurate. I am currently working with XXXX XXXXXXXXForeclosure Prevention Counselor who works for XXXXcertified agency.
Product: Vehicle loan or lease

Payment excess of XXXX was not refunded to me after loan paid off with Westlake Financial
Product: Credit reporting or other personal consumer reports

Corporation are in Default non compliance to requested information Non compliance to opportunity to cure non compliance to correct errors and multiple FCRA policies and US UCC Codes
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX XXXX  {$110.00}, acc # XXXX date ; XX/XX/XXXX, ..2 ) XXXX XXXX, balance {$45.00} acc # XXXX status closed XX/XX/XXXX, .3 ) XXXX XXXX {$130.00} XXXX acc # XXXX satus closed XX/XX/XXXX, ... .4 ) XXXX XXXX $ XXXXacc # XXXX, closed XX/XX/XXXX... ..5 ) XXXX acc # XXXX XX/XX/XXXX {$520.00} ... ... XXXX acc # XXXX collection XX/XX/XXXX ... ... .in accordance with the fair credit reporting act XXXX  # XXXX  has violated my rights,15U.S.C.1618 section 602A states that i have a right to privacy ... .15U.S.C.1618section604A section 2 also states that a consumer reporting agency can NOT furnish an account without mt consent and /or instruction ... and they have niether!!!!
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, I processed a payment to be applied to reduce the principle amount to help payoff the XXXX XXXX loan. I submitted the payment incorrectly within the online website and called the company to help allocate the funds to the correct fields. I was told that they are not able to do that and all of the money paid will go to interest. I stated that that is unfair practice to take additional payments and place them to interest. When I am a good customer who is already paying the monthly fees and interest. All of the funds I pay extra should go to the principle. I committed to paying XXXX XXXX XXXX but as I was entering the funds I typed in {$150.00} dollars in error so I went in to pay the other {$50.00}. They called my and said they still would not apply the {$150.00} to the balance to help me pay the account down. I don't think this is far as I tried to call them within 10 minutes of making the payment and they still will not move the funds to reduce the balance. They did not tell me to hold off on paying the total amount of {$200.00}. They refused to fix the money and say they are keeping the money for interest leaving me with the same balance and on the XXXX they will take the same interest as if I pay nothing. XXXX XXXX, https : XXXX # x. XXXX XXXX XXXX, XXXX, TN XXXX XXXX. This is a unfair practice. This company wants me to continue to be in debt and it will take forever to pay them off if they keep continue to limit my option. I called them right away to help and they said their system was not able to fix the issue. It is not fair to have application where you can not correct the payment within the same day/hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX has violated my rights. 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 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 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights XXXX XXXX XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account # XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have contributed over {$670.00} to my MoneyLion Investment account, not including the profit from investing or the extra {$1.00} per day login credit. On XX/XX/2018 I initiated my first ever transaction on this account by transferring {$200.00} and depositing it into my MoneyLion Checking account. After the transfer, my balance dropped to around {$490.00} which seemed accurate. A few days after my withdrawal of the {$200.00} I wanted to withdraw {$400.00} from my account but received an error. I tried over a span of a week and still was unable to transfer the funds even for lesser amounts like {$100.00}. I attempted to contact Moneylion over 3 times through chat and over the phone and still did not get an answer as to why I was getting an error. Recently my Investment account dropped from over {$490.00} to {$250.00}. I tried calling, emailing, reaching them through the chat via the app and through facebook messenger for two weeks and they have not given me any information regarding this issue. I really liked this company because it helped me finally build savings, but all the money that I contributed is gone.
Product: Student loan

I placed a call to a representative at Aid Advantage where my student loans are being serviced in XX/XX/XXXX in order to determine my monthly payments and options. The lowest payment I was offered was $ XXXX in an extended graduated plan to start on XX/XX/XXXX. I logged in today, XX/XX/XXXX and saw that I was in default on serval loans in my account so I contacted Aid Advantage via the chat option. I was told that I was still in the extended graduated plan, but my payment amount was now $ XXXX and started on XX/XX/XXXX. I asked about the arrangement I made in XXXX and was told that there was no information other than I now owe $ XXXX. I expressed that this was unaffordable and was told that my only option at this time is to apply for the income driven repayment plan and was put on administrative forbearance for 60 days while I await a reply from Aid Advantage. 
I was not given a copy of this chat or confirmation email. I asked for a copy of the chat and confirmation email of this current plan and was told they do not send that and I could go into my account and find this information. I am not seeing any of this in my Aid Advantage account and there are no communications from the company about any of this, including payment changes to my plan, changes in the due date, or loans that are in default. 
I do not know what else to do and can not afford these payments. I am also not able to remove my bank from automatic payments and am afraid that they are going to start billing me {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my credit report that are not mine they do not belong to me it is not mine I didnt apply for them I didnt use these I dont know where they are coming from. 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I opened my IRA in PNC in XXXX ( no minimum required and no fee ). In XXXX and XXXX, there were no fees charged. In XXXX, I left PA for training but still got my mail and all notifications. I just got back from training and recieved my XXXX statement a few weeks ago. I noticed a {$25.00} fee. I looked back at my other statements and through every single piece of mail. {$25.00} was charged for {$2000.00} also ; there was no reason given nor notification sent. The {$25.00} was more than I earned in interest! I called PNC on the XXXX and they claimed it is a custodial fee they " recently started '' and issued because I had less than {$2000.00} in the IRA. I informed them I have many IRAs and have never been charged a fee 'all of a sudden ' and I was never informed upon opening the account to have a certain amount in. That and for 2 years, I was never charged .... They said " as a one time courtesy, we will give you {$25.00} back '' .... I want the {$50.00} back and the ability to either put the money in to not get charged again or just transfer it out to another IRA. They said they'll have to charge for the transfer ... .. Four weeks have gone by now and PNC is still not able to admit their mistake upon charging me and will not put the remaining {$25.00} back into my account. It is absurd to have to pay PNC for holding my retirement money for me and 1. not make any money for it 2. not be able to have this quickly rectified so I can do my part and put money in until its due and take it out w/out yet another fee.
Product: Mortgage

Hello, Transunion has me with a comment : " XXXX suppressed '' and because of this they do not release a fico score or anyt debt under Transunion. My lender needs data suppressed to be removed so they can fully disclose any debt and fico score. My loan has been locked and for two weeks I have not moved an inch without this data suppressed not able to be removed. I called over XXXX time and left messages for Fraud department at Transunion and other departments. The fraud department told me I belong to a different department something like the specialty department or something like and they transfer me there but no one calls me back there too. I do not know how to get them to call me and that is the reason I am now in need to file a complaint. I never requested any freeze or fraud guard I never even knew suppressed data was on my credit. I need this removed I need them to call me back and let me move on. It is costing me money every time I extend the lock and now the seller is very impatient and threatened to keep my deposit if if we do n't clsoe soon. please help me. I do n't know what to do. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

My cardmember agreement provides a cash back reward of 5 % on mobile phone charges paid by the card. As it is generally the only charge I make with the card, the statement and rebate numbers are typical from month to month. There were errors in the percentage of cash back in XX/XX/XXXX, XX/XX/XXXX in which I only received a 1 % rebate. I contacted them in XX/XX/XXXX and was told it would be taken care of and my account adjusted. This was never done. I was lied to. The same thing happened on the XX/XX/XXXX statement where I only received a 1 % rebate instead of my normal 5 % rebate. I just spent several hours on their chat to no avail. We have used this method for payment of the phone bill for many years and it is obvious that the error is on the part of American Express. I am being told by Amex that there is NO error on their part. They are in breach of their agreement with the cardholder. If they are stealing from me, I am sure they are stealing from other cardholders.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file.

Please be advised that this is the 5th time I have sent letters to correct this inaccurate information and that this incorrect information is continuing to do significant harm to me and my family. 

1 ) XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. My records indicate that this account opening date is incorrect, account opened in XX/XX/XXXX, not XX/XX/XXXX and the date of first delinquency was XX/XX/XXXX, and as such needs to fall off from my credit report immediately. 

2 ) XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. My records indicate that the date of first delinquency was XX/XX/XXXX, and as such needs to fall off from my credit report immediately. 
Please reinvestigate these matters and delete this disputed information as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax about a month ago and was told that I wasnt me or something like that I answered every question that they asked and still wasnt able to get my report I cant even login to the website even after doing everything right it is time to talk legal action against them if you can point me in the right direction this is the same company that messed up millions of peoples accounts and still have no answers for that someone needs to investigate this company ASAP they dont have my score right or any of my information I am tired of them and something needs to be done about them
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found several billing discrepancies. The listed late payments do not align with my usual payment record.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health
Product: Payday loan, title loan, or personal loan

I applied for PPP  in XXXX and never got a resolution. I have called and emailed multiple times, including today, and today they told me over the phone that they have stopped dealing with the PPP and that i can not be help. This is beyond ridiculous, i have been patiently waiting and sending email to no avail on a status update. I have sent documents numerous times and have not heard back. I need for my file to be reviewed and made a decision on. I have been waiting for MONTHS. This is so unfair, cruel, and a violation of the trust I have with my 'financial institution. ' If this is not resolved favorably in my favor i will remove all my services and assets with this untrustworthy institution. This is a clear sign of misleading and purposely being evasive with their communication and decision on my PPP. They have done me a grave injustice and deliberately working against my interests and in favor of theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been bought to my attention by XXXX XXXX XXXX that my very personal and identifying information such as my personal email address and my social security number has been found on the Dark Web, compromised. This poses a severe threat of fraud possibilities and it gives reason for poor and untrue credit ratings. There are inquiries that don't belong to me, etc. I would like my account protected and my information secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Debt collection

A collection was opened by Hunter-Warfield for the amount of {$280.00} on XX/XX/XXXX. The debt was regarding non-payment of rent for the last 9 days of my lease. My lease terms were that I paid 12 payments of {$670.00} and a security deposit of {$250.00}, starting XX/XX/XXXX, I gave receipts of all 12 checks and per my lease agreement those 12 payments covered me through XX/XX/XXXX. Upon moving out on the last day of my lease, a letter was sent in XX/XX/XXXXclaiming I owed the XXXX at XXXX {$280.00} for non-payment of the 5 days between the XX/XX/XXXX and the XX/XX/XXXX. They told me I had 14 days to respond before they sent the amount to collections. I immediately contacted their office and produced the receipts of my 12 monthly payments outlined according to my lease agreement, they claimed they would get back to me and since I had contacted them they would not send it to collections. I contacted their office again a few weeks later and they claimed they didnt have a copy of my lease agreement since it was a new management company in charge and that they would contact me with more information. I was then contacted by Hunter-Warfield sometime in XX/XX/XXXX claiming I owed {$280.00}, upon which i requested an official document with all the information regarding the debt and I have yet to receive any letter or information regarding the account status or debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAP ONE Account XXXX : XXXX This is not mine. 

2. Identity Theft CAP ONE Account XXXX : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account XXXX : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

bankruptcy case number XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

On Tuesday XX/XX/year> I went to XXXX to purchase a pre paid card to pay my bills and make a purchase at XXXX after Ive purchased the card from Netspend for XXXX dollars I added XXXX dollars on the card when I went to use it, it declined ( very embarrassing ) so I went to netspend.com to create an account when I clicked active card it sent me to the login with no option to register and when i finally found the sign up link and put in my information it said sorry can not create a account, try again later all I want to do is spend the money and I cant even do that netspend needs to be shut down completely