23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Around XX/XX/2017, a company quicken loans called me to offer a cash out service. 
I spoke with their representative and during his conversation he ran my credit report without my permission. I was shocked when he told me what is my credit report. 
I asked him if he ran my credit report and he said yes. I told him that I did not authorized him to do it. I explained him that he supposed to ask my permission first and then if I authorize, then I would allow him. he started mumbling and excusing the reasons he ran the report. I asked for a supervisor and spoke with XXXX. I explained him that it should not be that way and I would like to ask to remove my credit report. he checked the voice conversation and promised to correct that. he did not get back to me on a solution so far. at this point, I spoke with their corporate office as well and they were not willing to remove the credit report they ran without my permission. The rep never asked me if he is allowed to run my credit report and the managers stated that the rep ran the credit report while he stated that he is going to do that. I disagree on it and I still need them to cancel the report they ran on me. please your assistance on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In view of the XXXX fiasco I wanted to place a freeze on credit reports. XXXX XXXX web site took took about 3 minutes to complete, with reasonable requirements for verification of identity. 
XXXX XXXX process took far longer and multiple attempts to complete with ridiculous questions about former residencies and loans, more of a marketing ploy than a service but eventually completed. 
Transunion 's process is obviously either designed to prevent access or is done by incompetent IT people. It required name, address, SSN etc as expected, but then required creation of a user name and password, and then multiple questions about previous mortages, residencies, banking history, and phone numbers etc. After submission I got a message something like " can not identify you based on answers '' but no suggestion of which answers or how to correct. A reattempt generated a message that I already had a user name and password, but would not accept those just set up. A " contact us '' phone number was given but was the same format via a menu of choices. 
I attempted to complete by touch tone phone with same results. Obviously their information is faulty. An address is given to apply by mail, but no form or list of information required or human contact info so no chance to correct " errors ''. 
The obvious carelessness of these companies, along with revelation that at least 2 of them give different reports to consumers and merchants and lie about it, destroy any credibility. Fortunately I am no longer dependent on loans or mortgages, but have had difficulty in the past despite never having defaulted on an obligation, and very rarely late. I now understand why. 
More concerning to me is the likely exposure of other accounts and information to hackers, either against the bureaus or their customers. 
They should at least be required to obtain permission from their victims before collecting and disseminating private information and have actual contacts available to correct errors. 
Computers will never be hacker-proof, but criminal negligence such as that by XXXX should result in jail time for the culprits, not in fines paid by stockholders.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX XXXX XXXX XXXX XXXX transferred all personal loans to System Service Technologies ( " SST '' ). More information on the transfer can be found under " FAQs '' on the XXXX website : XXXX XXXX XXXX # transfer XXXX advised customers that it would no longer accept payments after XX/XX/XXXX. My payment being due on XX/XX/XXXX, I promptly and before the transfer to SST occurred made my personal loan monthly installment payment to XXXX on XX/XX/XXXX. XXXX, and SST confirmed via telephone representative on XX/XX/XXXX, received my payment from XX/XX/XXXX. They decided, however, to not credit that payment as a monthly payment and instead considered it an " extra '' payment and transferred my loan to SST who says I continue to owe a XXXX payment. In other words, I paid my monthly bill to XXXX prior to the transfer and thus should owe SST  for payments from XXXX onwards, but SST refuses to credit my XXXX payment. 

This payment is {$410.00} per month and was properly paid and thus should not be double owed by the consumer simply because of the loan transfer. The SST representative informed me that it was XXXX 's " accounting error '' that prevents my XXXX payment from being credited with SST, but that " accounting error '' should not be the consumer 's problem where the consumer has timely made payments. Many other individuals, including myself ( here, {$810.00} ), are not in a position to make double the monthly payment. 

I ask that the CFPB look into this XXXX-SST loan transfer to ensure that consumers ' payments are properly credited. 

Moreover, am unable to check that my payment was processed correctly because neither XXXX nor SST will provide statements for the loan in question. I am left without any recourse for obtaining the transaction history, as XXXX always had those statements in the online portal that is now empty and inaccessible.
Product: Debt collection

I C systems reports the date of your debt incorrectly in an attempt to make your debt look new. In my case they are reporting a debt on XX/XX/XXXX, the debt is actually from XXXX and I have an email from the company the debt was originally from that agrees with my statement.
Product: Debt collection

This company nam ed National Services c alled my husband on  XXXX   XXXX   XXXX  at  XXXX    XXXX   CST from phone number  XXXX . They called saying we owed for a medical bill of {$250.00}. They did not say who the doctor was, and they attempted to pressure us into giving them contact information. We told them we did n't know what they were talking about, since we have no outstanding medical bills and that they needed to send it in writing. They said they did, but we have never received it.  <P/> It is possible that a  XXXX  we did business with is fraudulently trying to collect on money they refunded to us in  XXXX   XXXX  over a dispute. They fraudulently attempted to charge our insurance company (  XXXX  ) for the amount they refunded but were denied payment. They never sent us a bill. I will not contact that  XXXX  about this because we do n't trust them, that was the dispute we had with them, and they refunded the money, thus admitting they were in the wrong. Their contact information is :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , UT  XXXX  Phone : (  XXXX  )  XXXX
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 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.

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: Money transfer, virtual currency, or money service

We sold and closed on a property on XX/XX/XXXX. It is now XX/XX/XXXX and we have not seen funds yet. On XX/XX/XXXX Stewart Title XXXX in XXXX, AZ, closed the sale of our property in XXXX XXXX, AZ. They were to wire the funds to our checking account at XXXX Bank. Their bank is XXXX. The wire wasnt sent until XXXX  the XXXX. The wire has been sitting at XXXX Bank since then. They say they emailed XXXX for confirmation that it was legitimate. XXXX says XXXX emailed the wrong dept. it has sat at XXXX for almost 2 weeks now. I have called them many many times. I contacted Stewart Title for help. All three entities are finger pointing, but getting nothing done. I literally have spent hours and hours on the phone trying to resolve and get my entire life savings. I am beyond frustrated. The service Ive received from these institutions is terrible. We signed our sales docs on XX/XX/XXXX and have nothing! Were not sleeping at night, Im at the end of my rope. Please help!
Product: Credit reporting or other personal consumer reports

This credit report company is allowing this company to maliciously mess up my credit report. I have proof of receipts and proof of payment for my bank statements, and there are still allowing them to put an accurate information of my credit report. All of these accounts are paid in full. THEY SHOULD SAY XXXX nothing is past due. You are allowing this company to mess up my credit report and you have evidence of payment.
Product: Credit card

XX/XX/2024 my child and I were refused boarding passes at the counter when we went to checkin. We were given multiple reasons as to why we were being refused. The first was that the plane had already boarded ( over an hour early ) this wasn't the case as the same manager was still giving others behind me their boarding passes. Immigration officials told the airline multiple times they need to give us our boarding passes, he still refused. 

The issue I am having with capital one is that they failed to communicate with me that the merchant had responded. I spoke with XXXX employee number XXXX who refused to assist me and listen to the call made to capital one XX/XX/2024 as I asked the representative why was I being charged for something I'm disputing. She advised me to call my bank for a stop payment, instead of informing me the balance was there because the merchant had responded and Capital One now needed documentation from me. I thought all was ok and they hadn't heard anything from the merchant as I hadn't received any information from the bank. I'm being told it's my fault for not getting in information I was never notified to send in. XXXX tried to avoid this fact, I even informed her she could listen to the call, which lasted 19 minutes and 19 seconds. I haven't received any correspondence from Capital One until XXXX after I called in again about the balance. XX/XX/XXXX and XX/XX/2024 I was informed XX/XX/2024 the merchant advised Capital One that the tickets were still available for me to use. XX/XX/2024 I asked for documentation stating that the airline had actually sent this information to Capital One, it's in my email, but has been removed from my documents on the capital one website. I also can not access it through my email, but it's there. I spoke to a manager who informed me the information I had received was in fact false and now I needed to rush in documentation and she isn't sure if I would still be refunded. I tried to send in documentation immediately through their link, however, it wouldn't let me and the representative didn't know what to do. I called back again and a representative was able to assist me with submitting the documents showing the merchant is now stating they have no recollection of the transaction. However, I'm being told to reach out to the merchant who is also sending me in circles and then saying they don't recognize the transaction. 

All of this would've been avoided if capital one had informed me the merchant had responded when I called in about the dispute. Another time had Capital One representatives not lied that the merchant stated I could still use the tickets and that's why the dispute is closed. I'm tired of being lied to and given the run around by all three parties and would like my money back as I was refused goods that I paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely affecting my livelihood. 
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

After multiple disputes with Trans Union they are still inaccurately reporting a late payment on XXXX on my XXXX XXXX. XXXX has sent XXXX requests for the information to be updated yet Trans Union has not updated the information. I do not have any late payments with my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TransUnion Consumer Solutions Re : Dispute of Credit Report Information and Violation of FCRA Rights File Number : XXXX Dear TransUnion : I am writing to formally dispute inaccurate information on my credit report and to address multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ). My previous attempts to resolve these issues have been unsuccessful, and I am deeply concerned about the mishandling of my identity theft claim and credit report disputes. 
Failure to Block Information Resulting from Identity Theft : On XX/XX/XXXX, I submitted a complaint to the CFPB against TransUnion, which included my FTC Identity Theft Report, state-issued Driver 's License, Social Security Card , and detailed reasons for disputeXXXX XXXX XXXX XXXX XXXX, you were required to block the reporting of information resulting from alleged identity theft within 4 business days of receiving this information. You have failed to do so, violating this crucial protection for identity theft victims. 

Violation of Reinvestigation Procedures : Your failure to properly investigate and resolve my disputes within the required 30-day timeframe violates XXXX XXXX. XXXXXXXX XXXX XXXX XXXX This section mandates that consumer reporting agencies conduct a reasonable reinvestigation to determine whether disputed information is inaccurate. Your repeated failures to do so, coupled with your inconsistent communications about deleted items that still appear on my report, demonstrate a clear violation of this requirement.6 Misleading Communications : You have repeatedly sent me conflicting information about the status of my credit report, including notifications of deleted items that continue to appear on my report. This practice is deceptive and violates the FCRA 's requirement for accuracy in reporting. 

Failure to Provide Investigation Details : Despite my requests, you have failed to provide details about your investigation process, including the methods used and the parties contacted. This lack of transparency violates XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which requires consumer reporting agencies to provide a description of the procedure used to determine the accuracy and completeness of the information. 

Denial of Arbitration Request : Your refusal to accept my verbal notice of intent to file for arbitration is concerning and may violate my rights under your arbitration agreement. 

. 
I remind you that TransUnion has previously been subject to enforcement action by the Consumer Financial Protection Bureau for FCRA violations, including failures related to security freezes and locks. Your actions in my case suggest ongoing compliance issues that may warrant further regulatory scrutiny.

Be advised that your continued failure to address these issues may result in legal action. The FCRA provides for actual and punitive damages, as well as attorney 's fees, for willful noncompliance with the statute. 
I await your prompt response addressing each of the points raised in this letter.
Product: Bank account or service

1. The National Bank of Arizona in XXXX, Arizona, froze my joint checking account for no logical or legal reason and held funds hostage that I needed to operate my sister 's estate following her death. They did not provide me online access to statements even though I am ALSO the probate-court-appointed personal representative for the estate. The result was my inability to pay the mortgage and other utilities and expenses ; late fees and attorney fees have been incurred. 
2. The National Bank of Arizona is demanding full payment for a home equity line of credit ( HELOC ) due to their own error in freezing the account the payments come from. 
3. The National Bank of Arizona is imposing a {$500.00} prepayment penalty when the HELOC is eventually paid, upon the sale of the property it is secured by, which is excessive and can be waived.
Product: Credit reporting or other personal consumer reports

Checked my credit report XX/XX/year> and XX/XX/year> noticed a hard inquiry that wasn't authorized by me, I didn't open this credit card which is classified as an installment loan. I spoke with XXXX XXXX about the issue at hand. She confirmed that this account which isn't activated is flagged as a fraudulent application and I am not liable for this mishaps. XXXX also stated that the company will file a dispute to the credit bureaus and highly suggest that I submit an identity theft report with FTC.
Product: Credit card or prepaid card

I am a long time customer of Capital One ... On XX/XX/XXXX th 2020 I purchased 4 airline tickets that were all declined ... 
ok I understand that and so I called Cap One customer service only to be told my accounts all three are frozen and I would need to submit a state drivers license or State ID card ... I explained I am a dual resident of California and XXXX and use my USA passport for ID as I do not need a state DL or State ID ... and I was out of the country until at least XXXX ... they /he the fraud manager said I would Need to fly back to the United States and obtain one of those two IDs and then they would unlock my account once I have that. 
I believe Cap One is breaking the law by not accepting a US passport as valid ID ... they did not want contact their legal dept and I finally gave up in frustration ... the managers name was XXXX and his employee ID is XXXX XXXX ... 
I know this is indirectly related to the Cap One data breach ... best regards XXXX
Product: Credit card

2 years ago ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  New York store had a promotion 48 months with interest 7.99 % if paid in full for 48 months, if not then 29.99 %. 
My wife and me agreed to this, opened XXXX XXXXFloor and decor  credit card and made a purchase of approximately {$5900.00}. 
Upon receiving the receipt from the cashier we noticed it was 24 months no interest instead of 48 months with 7.99 % interest. We asked cashier to fix this and she called the manager. Manager called XXXX associate number XXXX, store number XXXX, register 3, transaction number XXXX canceled the purchase, tried again and same 24 months come up. After that as it was Sunday she said she will fix this. 
We trusted her and went home. Our minimum payments were approximately matching the 48 month payments so there was no reason for us to complain or suspect anything was wrong. 

2 years later after 24 month period passed, and my wife was paying every single month more than the minimum payment, never missed a single payment, Comenity bank charges us {$3300.00}. which is almost 50 % of our original purchase.. not even close to 7.99 % or even 29.99 %. This was not our deal and this looks like a scam to me. 

I went to Floor and Decor immediately and spoke with this manager XXXX who did this mess. She said why didn't you complain? There was no reason to complain.. and she said she was going to fix this. She then said I am not supposed to trust a stranger.. Well she was not a stranger, she is a manager and representative of Floor and decor. 

I called Comenity bank and they filed a dispute request. A few days later sent me a letter that Floor and decor doesn't have such a promotion which is a lie. I filed a dispute again and this time sent them copies of 48 months brochure I've received another letter that they will investigate and will make a decision in 90 days. 

First this period is too long as they keep charging me additional {$130.00} probably a month which will keep piling up on my account. 

Currently each time I call XXXX XXXX and their Floor and decor section, they break the line OR say we will transfer you which brings me back to the same person after another 15 min wait. Asked to speak with the manager, they said OK and then broke the line again, and again and again. Called from another phone, and this time they answered, when they heard they are speaking with me, they broke the line again. All the persons I'm speaking with are somewhere in XXXX or XXXX. Just to make it a complete scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

File dispute on XXXX XXXX XXXX account And XXXXXXXX XXXX  after 5 days they closed dispute with verified accounts and remain Theres no way either account could of been properly verified as mine
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX K XX/XX/XXXX -XXXX  XX/XX/XXXX x -XXXX XX/XX/XXXX -XXXXL XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX/XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : 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 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.