23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Transuni

on, advising them of several credit inquires that are listed on my credit report, of which I do not recall giving them permission to check my credit. I have taken time to contact these companies and none of them have been able to prove that I applied for credit with their company and gave permission. Per Section 604 of the Fair Credit Reporting Act, credit bureaus must have permissible purpose from the creditor, written authorization, and proof that I initiated the hard inquiry. This law must be followed, otherwise anyone could check peoples credit anytime they wanted. I am trying to achieve several financial goals in the immediate future, so it is imperative that Im able to get this resolved. Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to
have conducted a reinvestigation of my dispute filed XX/XX/2020, and to have concluded that reinvestigation within 30 days of the date of receipt of my dispute, which was XX/XX/2020. I sent this letter by certified / return receipt, so I know when they received it. I received no response from this bureau on this request.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The XXXX  XXXX Account And XXXX  XXXX XXXX inquirie I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I have found fraudulent account on my credit report from XXXX opened XXXX XX/XX/XXXXXXXX  with the account number XXXX and fraudulent Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

One Main has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

There are accounts showing on my credit file that does not belong to me 100 %. I have sent letters to the credit agencies requesting that this erroneous information and inaccurate accounts be removed from my credit reports. I am in the process of trying to purchase a home and this incorrect information is hold me back. Please help get the following information removed from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- looks like apartments Incorrect Address Information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Incorrect Employers : XXXX and XXXX The credit agencies must be putting another person with my same name information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a copy of my credit report # XXXX for XX/XX/XXXX and there are over 70 inquiries on my credit report run by Experian and its subsidiaries beginning early XXXX thru today severely negatively impacting my credit score. 

None of these inquiries were authorized by me : 8+ inquiries XX/XX/XXXX, 15+ in XX/XX/XXXX, 8+ in XX/XX/XXXX, 3+ in XX/XX/XXXX, 3+ in XX/XX/XXXX, 6+ in XX/XX/XXXX, 7+ in XX/XX/XXXX and more. 

All of these inquiries need to be removed immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give any written instructions to the consumer reporting agency nor did I authorize any of the inquiries that on my consumer report. The reporting of these inquiries are a violation of 15 USC 1681b ( c ) ( 3 ). Consumer reporting agencies will be held liable for willful and negligent noncompliance pursuant to the Fair Credit Reporting Act. The following are the inquiries that shall be removed : - 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have filed an identity ftc report because I found inaccurate accts on my credit report and nobody is willing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquiries have been on my accounts and I do not recognize them at all, I have made multiple calls to the fraud departments at XXXX, Equifax, and XXXX however no one assisted me. I am attaching an identity theft report to this complaint. 
Hard inquires that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  ( RAN ON MY REPORT 3 times ) XXXX XXXX XXXX XXXX XXXX  Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i XXXX Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Checking or savings account

I have been able to access my direct deposit since Wednesday, XX/XX/XXXX and its now XXXX on XX/XX/XXXX with no money, Capital one keeps moving the goal line on when it will be resolved.. after taking XXXX hours to even admit they had an issue. How can I not have access to my own money.
Product: Money transfer, virtual currency, or money service

I contacted PayPal about a scam account I sent money to and because it was a personal payment they were not willing to help me or put the money on hold. How secure is PayPal if they are not willing to help you when you are being scammed through their platform?
Product: Checking or savings account

I am a Wells Fargo customer and have been since 2007. During this period of time, they exercised the practice of paying the most expensive transaction prior to transactions of lower amounts, regardless of the order in which those transactions occurred ( i.e., at XXXX {$5.00}, XXXX {$10.00}, XXXX {$100.00}, XXXX {$200.00}, the {$200.00} was paid first, then the {$100.00}, and so on ). This resulted in countless unnecessary overdraft fees and damage to my credit score. 

I was made aware of the class action lawsuit against Wells Fargo for such practices noted above. As I was a victim of their fraudulent practices and negativity impacted monetarily, I would like to enter the class action. 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

This complaint is regarding Credit Acceptance. I became one month behind ( I have been paying consistently since XX/XX/2016 ), and they have used this as an opportunity to continually raise my payments ( which I have not missed ). They call me constantly at work and on my cell phone. If you are off by a day or two, they state that you broke your agreement, and raise your payments and threaten to repossess the car. I bought a XXXX XXXX XXXX which has a XXXX XXXX XXXX value of approx. {$5000.00}. They reported on my credit report that I am financed for {$10000.00} but I actually am financed for {$19000.00}. This company takes advantage of borrowers that have lower credit scores, and they feel they have the right to rip them off. I am paying 4 times the actual value of the vehicle. I can't imagine what these people do when customers are really behind on their payments. One lady stated to me, " don't be a day late or a dollar short, or we'll reposess the vehicle ''.
Product: Debt collection

I had a charge off from a Miltary XXXX card. The amount of the debt was XXXX. I was garnished byTransworld Systems. I paid XXXX in XX/XX/2016 and {$250.00} every month. With the garnishment and the payments made of to XX/XX/XXXX, I have paid the amount of {$3300.00}. I spoke to the company to see the status and they stated that I owed an additional {$1000.00}. I asked for a breakdown and they stated that they could not provide it. They stated that I owed {$4000.00} and I was still collecting interest every month. I requested a copy of the original debt and they refused. I asked how much of this debt was paid to the original creditor, I was told {$2900.00} and the rest went to them. I stated that the account should be paid in full. They just continued to argue and tell me if I would pay my bills then I would n't be in this situation. I asked for my payment history and the original debt. I asked them to remove my debit card from the account until further notice. He refused and stated that they will get their money. I do n't owe anymore so I do n't understand. I have paid the balance on the chargeoff of XXXX, I have paid an XXXX in addition to that amount and they are telling me that I owe {$1000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX and XXXX 2025- my credit was ran with inquiries from Barclays Bank Delaware , XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. 
My email address was compromised and several of my social media accounts where hacked- along with XXXX XXXX XXXX XXXX XXXX uber XXXX XXXX  etc..
Product: Credit reporting, credit repair services, or other personal consumer reports

As I am sure you already know, Equifax was recently found to have allowed hundreds of millions of personal financial information to fall into the hands of unknown individuals. This is my private information, and by not handing my data securely, they have put me at risk of identity theft, fraud, and financial ruin. Their site says that I was affected by the breach, but at this point all they have offered in return is a one-year subscription to a credit monitoring service.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I noticed instances of late payments on an account where I have consistently made timely payments. Consumer reporting agencies are crucial in accurately documenting consumer information, making it essential for this data to be reported with utmost precision. 

I have never missed a payment on the following account XXXX XXXX XXXX I kindly request a thorough investigation into these discrepancies. Please provide evidence, such as statements, showing the alleged late payments. If you are unable to provide such evidence, I insist that these payments be promptly corrected to accurately reflect their true status. 

Thank you for your prompt attention to this matter.
Product: Mortgage

My Home Loan is with Caliber Homes and it is listed under XXXX XXXX estate. I had to file bankruptcy because I was under financial strain because of everything in the home needed fixing and I am on a fixed income. Caliber had given me a loan modification during the time I filed bankruptcy. My bankruptcy attorney had to get a document signed by the court accepting the loan modification and it took him 2 years to do this. Once the paper was signed the attorney stated that the mortgage company did not want to work with me any longer and the company wanted to file a stay. Next, the mortgage company stated that the would do a new modification including all the areas. Now I am submitting papers for the 3rd time starting all over again. The company is asking for documents that they already had in the system. I am having a hard time with this mortgage company and I am getting of trying to fight for this home.
Product: Consumer Loan

I have an auto loan with PenFed that they refinanced for me in XXXX. The loan was refinanced from XXXX XXXX and I have now received a letter stating that PenFed has raised my interest rate from XXXX to 14 % since XXXX did not release the title to them. My husband has contacted XXXX numerous times as the title was in his name and they have stated they have released the title to them. My husband also contacted PenFed about the issue in XXXX and they stated this was an error and my husband even opened a checking account with PenFed the same day. This is a fixed rate loan that should never should have been raised and PenFed before releasing a check to XXXX for the payoff of the vehicle should have obtained a copy of the title before doing so. I can not get them something I do not have and will not be held at fault. This is completely unethical. I am very saddened as PenFed has always been a good company to me but this is the worst financial injustice I have ever encountered in my life.
Product: Checking or savings account

On XX/XX/XXXX ADP Compliance Solutions C/O Wisely stayed they have completed our investigation of my dispute Received on XX/XX/XXXX for the funds taking out my account for {$130.00} on XX/XX/XXXX and the other transaction of {$130.00} was added back on my wisely card the same day and for the second transaction they were stating there was no fraud or error and responded to quick and didn't do a proper investigation on my own my funds being taking out my account, I also filed with the federal trading commission and have a report number and haven't heard anything from them since about my case. The video of paperwork was a letter from the money that was put back on my wisely card that I no longer use, no paperwork on the other transaction but it's on my wisely card login statements.
Product: Credit card or prepaid card

Venmo has frozen my account without any reason. My account has been frozen for almost 2 years. I have messaged, and called continuously and continue to get one of the following answers, we can unfreeze your account, or we have to send you to another department, that then says oh your account is frozen there is nothing they can do. They asked me to identify my identity which I did on multiple occasions but they continue to give me a run around. They wont let me take out my money and will not give me any resolution to close the account and transfer my money out.
Product: Credit card

On XX/XX/scrub> 2024 I attempted to book a hotel room and was directed by XXXX to a website that took my Applecard and said I had reserved the room at a cost of over {$4000.00}. I was suspicious at the amount and even that the room was available as the hotel typically is fully booked many months in advance. I searched for information about the website and saw that it was recognized as a scam. 

I contacted the hotel and they had no record of the reservation. 

I disputed the transaction with Applecard and Goldman Sachs and they said they would investigate. However they keep re imposing the transaction after a few weeks and I have to repeatedly reopen the dispute. They are very difficult to deal with as their agents appear to have no knowledge of the history of these supposed " investigations '' and everything is by text. I have asked for escalation to management and they did tell me I would be contacted. However no one has contacted me in the many months this has been going on.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX  XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDLENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERLY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my XXXX score report which I don't why it has happened. I have called the company but get stuck in automatic reply. I am trying to fix the untreated reports before applying for a new credit card. I appreciate if you can help me to remove this hard inquiry from my account to improve my score.
Product: Student loan

I have a Perkins loan which is currently held by the Department of Education, and serviced by ECSI, a division of Heartland Payment Systems. I am a Massachusetts resident. 

ECSI has failed to register with the Commonwealth of Massachusetts as a 3rd-party loan servicer, as required by 209 CMR 18.01, despite acting as one as defined by 209 CMR 18.02. According to 209 CMR 18.22, this constitutes an unfair and deceptive trade act or practice, and is a violation of M.G.L. c. 93A, 2 and is subject to the penalties contained in M.G.L. c. 93A. 

Despite having brought this to the attention of ECSI quite some time ago, they have taken no remedial action, and continue to demand that I pay them, even though it would be illegal for them to accept such a payment. 

I have already filed complaints about ECSI and their unlawful business model with the Attorney General of Massachusetts, and the Student Loan Ombudsman. 

Before this note was assigned to the Department of Education, it was held by XXXX University, who also had it serviced by ECSI. After explaining to their counsel that ECSI was violating the law in their name, the university made the decision to assign the note to the Department of Education, rather than have it serviced by a company that operates within the bounds of the law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of ssn variation & inaccurate addresses on my credit report. Despite prior disputes, these ssn variation & incorrect addresses remain listed : These ssn variation & incorrect addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct SSN & addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX & XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2023 Amount : {$6000.00} Action : Multiple attempts to contact Chase Bank. 
Correct Account : XXXX Wrong Account : XXXX Last XXXX, my father sent money from XXXX to my account. Unfortunately, there was a single incorrect digit in the account number, while the routing number and legal name were accurate. Consequently, the money was mistakenly deposited into the wrong account. 

Despite multiple attempts by the originating bank to recall the funds and our exhaustive efforts to communicate with Chase Bank through various channels, we've reached a dead end. 

The Bank Manager in XXXX, where the transfer originated, has advised pursuing legal action in the United States against both the bank and the individual who wrongfully received the funds.
Product: Checking or savings account

Hello, On XX/XX/XXXX, I initiated a transfer with my Schwab Checking Account for {$340.00} to my Schwab Individual Brokerage Account. These transfers are instantaneous during business hours. The webpage said that an error occurred, and to try again. I did this once more, and received the same error ( for the same amount, {$340.00} ). It was then that I noticed that my Checking Account was had two {$340.00} withdrawals, and my Brokerage account had none. 

I waited about an hour to see if there was just a delay in processing with them, and then reached out to Schwab via their XXXX XXXX tool. They informed me that this was a known issue, and that the problem would be addressed that day ( XX/XX/XXXX ) and that the funds would post that day as well. I then contacted them at the end of the day when the funds still had not posted, and they informed me they would still look into it. 

I checked in with them the following day ( XX/XX/XXXX ) at the beginning of the day, and my funds have not posted at the end of the day ( XX/XX/XXXX ). 

As it stands now, I've had {$690.00} dollars that were removed from my checking account, but not posted to the account that I had directed them to for two full business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Experian, XXXX, and XXXX, providing all 3 credit bureaus with an update of my personal information -- -correct name -- - XXXX XXXX XXXX XXXX XXXX -and correct address XXXX XXXX XXXX XXXX. # XXXX, XXXX, AZ XXXX. 

I have also instructed the same bureaus to delete any other addresses appearing on my credit report as these are incorrect and potentially make me liable for fraud. XXXX and XXXX ignored my request entirely ; and Experian stated that they would place a fraud notice on my account, when deleting all incorrect addresses and name variations would be sufficient. 

Additionally, I have provided sufficient identifying information -- - a CURRENT driver license -- - and a copy of my social security card.