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

Good day, this inaccurate item is in pending litigation due to reporting errors on my credit report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore this item needs to be deleted under 15 U.S. Code 1681i ( a ).
Product: Money transfer, virtual currency, or money service

OnXX/XX/XXXXI transferred XXXX $ from my Kraken account to my XXXX XXXX account and paid a XXXX $ fee to do so. 


I have not received any money in my schwab account, and kraken is doing nothing to resolve the issue. They haven't even responded to the support ticket in 4 days, and they refuse to pick up the phone and talk to me. 

Their support person doesn't even know their own policies and refused to take any action until 5 days passed, even though their own policy states funds should be received in 0-1 days. 

Today is now XX/XX/XXXX. Funds are still missing with no explanation or promise to do anything from Kraken.
Product: Student loan

Multiple out-of-state calls from Navient regarding payment of student loan my deceased wife co-signed for her neice. Counted 20 automated robo-calls in last 5 days.Previously spoke to financial rep who explained the only way to have my name removed from loan was to make 6 continuous monthly on-time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency TransUnion They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my Transunion Dispute Results credit report I can still see inaccuracies and blatant violation. my dispute letter to the CRA dated XX/XX/XXXX, Inaccurate Items disputed ( 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 ). Dispute reason : remove this account because the date updated didn't change, this irrefutable proof that no investigation was done. remove for violation However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date updated didn't change/update after the investigation was done, this proves that no investigation was ever done because the date update didn't change. Date updated didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the Date updated didn't change to be a current updated date as per FCRA. 
It is to be noted that even after my dispute with the CRA, the date Updated didnt change and inaccurate items such as XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX date Updated was ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX XXXX  date Updated was ( XX/XX/XXXX ), XXXX XXXX past due reported on a collection its a violation, XXXX XXXX past due reported on a collection its a violation, XXXX XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX date Updated was ( XX/XX/XXXX ), XXXX/XXXX date Updated was ( XX/XX/XXXX ), XXXX XXXX  date Updated was ( XX/XX/XXXX ), After what is known as an investigation that was conducted and completed by the CRA, my dispute results from transunion investigation shows the date Updated didn't change/update
Product: Debt collection

I haven't received any physical notifications of the origins of the debt, amount owed, potential due dates or notifications that my debt was going to a collector. This debt was also incurred by me being a victim of a tragic incident ( surprise shooter ) who got away. I was XXXX at the time and my credit is suffering drastically because of this mass collection amount on my report. I looked into potential avenues to help consolidate this debt through the hospital and they only had some outrageous payment plan that I had no way of affording on a monthly basis. I'm still looking for various avenues to consolidate this debt through the XXXX XXXX XXXX due to the incident taking place in XXXX Virginia. I was XX/XX/XXXXXX/XX/2018, rushed in an ambulance, and was probably charged an outrageous amount for medical care from the XXXX XXXX Hospital. The collection debt is {$8800.00} and was opened XX/XX/2018. While I was in college striving to graduate no attempts to rectify this debt with me was attempted prior to sending it to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions.

15 U.S.C. 166b a creditor may not treat a payment on a credit card account under and consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the list of unauthorized inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the unauthorized inquiries below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C1681c. ( 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 ) ( a ) 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. Please delete the unauthorized inquiries listed below : Creditor Name : XXXX XXXX, Date of inquiry : XXXX, Equifax. Creditor Name : XXXX XXXX XXXX Date of inquiry : XXXX Equifax. Creditor Name : XXXX XXXX XXXX Date of inquiry : XXXX, Equifax. Creditor Name : XXXX XXXX Date of inquiry : XXXX Equifax. Creditor Name : XXXX XXXX XXXX, Date of inquiry : XXXX, Equifax. Creditor Name : XXXX XXXX XXXX, Date of inquiry : XXXX, Equifax.
Product: Credit reporting or other personal consumer reports

I paid all of my bills... I don't owe any Bank. But XXXX and XXXX still keep the old collections on my credit report. I think that all XXXX  credit reports should have the same information.
Product: Credit card or prepaid card

I went to Marriott.com to book a hotel for my husband XXXX XXXX for the dates of XX/XX/XXXX-XX/XX/XXXX for a total of $ XXXX/night totaling {$200.00}. When I went to pay with my credit card for the hotel, i saw a promotional offer for the Marriott Rewards Premier Visa. It showed the same amount for booking of {$200.00} with a statement credit of {$200.00}, leaving a balance of {$3.00} should I apply for this credit card. I clicked the " learn more '' tab and read about the offers of the Marriott Rewards Premier Visa credit card. I thought it sounded like a good deal and decided to apply for the credit card. Once my husband applied, a new window popped up saying he was approved for a credit line of {$5000.00}. I went back to the Marriott Reservation page to continue the booking, however, at that time I was not able to use the new Marriott Rewards Premier Visa card because there was no credit card information that was sent to me. I contacted Marriott and was told we could not use the credit card until it was received and could not use it for the $ XXXXnight reservation. " To ensure that you receive this special advance purchase rate, we will charge your credit card a prepayment of XXXX USD ( your full room charge plus tax ) when you make your reservation '' is what would happen and I would not be able to pay for the room in XX/XX/XXXX with the new Marriott Rewards Premier Visa. I feel this is deceptive practices which strictly violates UDAAP. I was under the impression I would be able to use this new credit for this purchase today and receive the {$200.00} statement credit since it was right there on the check-out page and was not able to do so. I spoke with XXXX at Marriott who stated I was not able to use the new credit card and also, spoke with XXXX at Marriott who was with the customer care team who gave me the phone number to contact Chase. I spoke with XXXX at Chase who said she knew of the special offer and did not understand why I was not able to continue with the purchase, she then transferred me to a supervisor who ultimately stated the same thing, " If Marriott is saying I ca n't use the credit card, then there is nothing he can do. '' I cancelled the credit card application, but the supervisor stated the inquiry will still be on my husband 's credit report. I do not want an inquiry on his credit report since UDAAP was violated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I open the Barclay 's XXXX XXXX Business Credit Card back in XX/XX/XXXX. It was advertised with a sign-up bonus of XXXX  for {$1000.00} spend and then an additional XXXX  for signing up an Authorized User and making a purchase with that card, all within 3 months of opening the credit card. I received the XXXX  miles, but never the extra XXXX The purchase from the Authorized User 's card was made on XX/XX/XXXX ( see attached proof ). I followed-up with Barclay 's on this missing bonus at first on XX/XX/XXXX. The person I spoke to was able to verify they had the purchase on their end and that it should have triggered the bonus, so she didn't know why the bonus didn't post. She said she will open an inquiry to find out. I called back on XX/XX/XXXX as I noticed the bonus did not post yet. On this call the person said there was no status update yet, but she they will send it back again. I called back again on XX/XX/XXXX as nothing has happened, and I was given the same information that there was no status update. On this call, I also closed the credit card as the annual fee was due and with COVID-19, I have no travel plans for the foreseeable future, so the airline benefits of this card were not worth the annual fee. I told the person that I would keep the card if they would waive the annual fee, but they would not do so, so I canceled the card. And since I canceled the card, they said there is nothing that they could do about the missing 10,000 bonus miles that I was supposed to received for adding an Authorized User and having them make a purchase with the credit card.
Product: Debt collection

JPL Recovery Solutions. Told them to stop calling, they threatened to call my works payroll department and that I would be in for a rude awakening. Abusive and rude. Called me, my mom, my dad, my sister, my brother, and my girlfriend. Did not let me speak. Continued to talk and intimidate me and threaten legal action. Wanted to collect credit or debit card info to repay debt. Predatory.
Product: Mortgage

I sent a payment instrument ( copy included ) XX/XX/XXXX certified mail with a return receipt which was signed for on XX/XX/XXXX that was held and not returned to me, and UWM has failed to XXXX out my account. I have now led it with the U.S. Treasury to pay o my balance using my XXXX XXXX XXXX trust. UWM is now obligated to le a 1099-OID form to receive the funds from the U.S. Department of Treasury XXXX and failure to do so should result in a corporate violation of my rights per HJR 192 of 1933 and 15 USC 1692 A-K. Their failure to accept my payment as such is both an illegal and unlawful act by their corporation. 

There was no return of my negotiable instruments, which means they have now accepted one ( 1 ) payment toward this account. UWM company has failed to pay o the balance owed, failed to acknowledge the reason as to why the instrument was not accepted for payment even though it was not returned, which by denition is accepting payment per each letter sent, and has continued with defamation of character in credit bureau reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was hand-printed on the front. On the back, I've indorsed it with the beneficiary signature in acceptance for payment which you may draw from my XXXX XXXX XXXX trust. 

Also, a coupon is worth whatever the face value it has printed on it ; Moreover, I mentioned earlier and you may have noticed, I signed the back of the coupon as a beneficiary as an attempt to make a payment on this debt ; Also, if my payment is refused then by this law the billing statement is void ; EXTINGUISHMENT OF OBLIGATION CHAPTER 4 Article 1256. If the creditor to whom the lender of payment has been made refuses, the debtor shall be released from responsibility by the consignation of the thing or sum Be It Known : The green return receipt returned to me evidences a Common Law-contract between us under the Postal rule, which states : The postal rule ( also known as the mailbox rule or " deposited acceptance rule '' ) is a term of common law contracts which determines the timing of acceptance of an offer when mail is contemplated as the medium of acceptance. The general principle is that a contract is formed when acceptance is communicated to the offeror. The mailbox rule is an exception to the general principle. The mailbox rule provides that the contract is formed when a properly prepaid and properly addressed letter of acceptance is posted. One rationale given for the rule is that the offeror nominates the post office as the implied agent and thus receipt of the acceptance by the post office is regarded as that of the offeree. The main effect of the mailbox rule is that the risk of acceptance being delivered late or lost in the post is placed upon the offeror. If the offeror is reluctant to accept this risk, he can always require actual receipt before being legally bound.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inaccurate reporting or errors on my credit report with documentation. XXXX  did not remove the accounts
Product: Checking or savings account

I received a letter stating that I have a cashiers check from Wells Fargo that has not been cashed. They sent me a form to fill out yet that form needed a notary service. I attempted to call the phone number on the letter, and the representative told me that the branch of Wells Fargo have notary services. So I attempted to go into three branches. Each branch told me they did not have a notary service there that they would have to call one in. Would take a few weeks to get an appointment. I then complied with, their timeline at the branch at XXXX XXXX and XXXX. I made the appointment, and on the day of the appointment they canceled my appointment and told me I would have to make another one which was weeks away. I realized there was a timeframe on this letter that I had to comply with, and subsequently went to a XXXX store where I had to pay to have this check re-issued from Wells Fargo. I then asked Wells Fargo to include this fee in the cashiers check that they are sending me because of their actions at their own branches. I have yet to get a response for that request.
Product: Checking or savings account

On XX/XX/2023 my account with chime bank got suspended due to not complying with the agreement of opening the account I was told to send documents to verify my identity I sent the documents in multiple times time after time was told by multiple supervisors that the documents I sent in would get the suspension lift so I can access my funds all was a lie when told to close the account and send the funds out the account they refused to do so so I need a lawsuit or something to happen
Product: Credit reporting or other personal consumer reports

I XXXX XXXX file a lawsuit against Equifax on XXXX XXXX XXXX for violation of the fair credit act. On XXXXXXXX XXXX XXXX Equifax and me agree to a settlement were they would remove all my 4 of my XXXX all 4 hard inquires and the XXXX XXXX account thats been paid off never late it was showing i owe XXXX dollars plus a check for XXXX dollars all the items they say was remove but my credit score when from XXXX to XXXX there no way i get 8 items remove plus the word XXXX XXXX remove from all my student loans and my score go down my score should have when up by XXXX points. this is wrong
Product: Student loan

I am currently a college graduate student at a XXXX XXXX in Massachusetts.I was encouraged to apply for student loans through XXXX 'MASSACHUSETTS EDUCATIONAL FINANCING AUTHORITY ' a state agency which are only available to students who are Massachusetts residents or attend college in Massachusetts.I was devastated to learn that i could not defer my undergraduate loans from XXXX XXXX while i continued my education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently tried to apply for a business loan and was rejected because Experian, XXXX and XXXX do not have up to date credit reports on my credit file. The last documented credit reports are as follows .... 

Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have made several attempts to contact Experian and never get through to anyone. I have sent them a message and finally received response today and they are pretty much saying the issue is on my end. Which is inaccurate. Even the creditors are seeing the same thing. 

XXXX is stating they can see a recent credit history but won't give details. Even when I login to their site, it says they can not help me and that I need to call the 800 number to speak with a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX  have got into the hands of the wrong person.
Product: Debt collection

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX whose collection agency is Portfolio Recovery Associates LLC is reporting a collection amount of {$1100.00}. This collection agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX requesting that an inquiry by their company was on my XXXX Credit File that I do not recall authorizing requesting their company to please remove the inquiry. XXXX XXXX XXXX XXXX XXXX replied back by mail but did not send me proof on a contract bearing my signature.
Product: Credit reporting or other personal consumer reports

I pulled my credit report recently also l hired credit specialist .whom noticed had more problems with TransUnion with disputes which on my credit report which's certain items is not mine or have been on my credit report for more then 7 years and l noticed Certain items not mine. .also l noticed TransUnion refused to remove items from off my credit report which l have been informed items surprise to be removed. I continue having numbeous ongoing problems with TransUnion l have used Cfbc l have. Used your company Cause lm unable to discuss matters with TransUnion
Product: Credit card or prepaid card

My name is XXXX XXXX I just think my mom and her friends are using dark web to get into my account My transactions include XXXX cable and mobile dont want her locked up or nothing just want help to get out this situation its been happening since I was young. Things start looking good then outta know where alot of switching im not perfect by any means but I've worked for mines I want her to have her own not mines.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The lists of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Account name 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, has violated my rights. 
I looked at my TransUnion credit report on XXXX XXXX XXXX  and noticed some things are not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, 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. And according to 15 USC 1681s-2 they are suppose to 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.