23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XX/XX/2017, I attempted to pull my annual credit report from TransUnion through the " annualcreditreport.com '' website. After filling out the form, I received the message, " Unable to Complete Your Request ''. Beyond that statement I was not given any other information for why I was receiving this message. Additionally, I was not given any contact information to understand what this message meant, let alone a source that I could contact to try and get this problem fix. As you can imagine, after receiving a message like this, I searched the rest of the website for some kind of help. The only thing I was able to eventually find was an online form. No phone number, no email, just a form. Well, I filled out the form, hoping, that someone could help me. They never responded. 
I figure since " annualcreditreport.com '', is sponsor by the XXXX credit bureaus that I would contact TransUnion directly to discuss the matter with them, since they were the ones that the report was not coming up for in the first place. It should be noted that the other reports for the other credit reporting agencies were in fact coming up, just not TransUnion. Well after spending several hours on the phone talking to 6 different individuals at Transunion, I was no closer to getting a single question I was asking, answered. Transunion claims that I can get it online, but when I told them of the message I was getting, they simply told me to contact another number within TransUnion. When I told them I had already contact that number and spoke to an individual within that department, they play stupid and told me they could n't help me. Additionally, during some of the conversations that occurred with those six individuals, some of them alluded to some kind of reason for why I was not able to obtain my report, but when I asked them to clarify, or specify, or confirm what the exact issue was, they would, either, not say, or would tell me to contact some other department to get the details. When I did so, the only thing they told me was that I should contact the department I was just on the phone with before them. It was a complete run around. When I asked them why other external organizations are able to obtain my credit report, and I ca n't, and I am the one the report is about, they did n't have an answer for that either. When I asked to speak to a supervisor or to elevate this matter, they were of no help either. If that was n't enough, during this back and forth calls that were going on, some of the messages that I would get from one person would contradict what messages I would get from the other individuals who I had talked to. 
At the end of the day, TransUnion is not fulfilling their obligation to provide a credit report online. At the very least their employees are incompetent, unable to answer the most simplest of questions. Additionally, I suspect based on phone calls that occurred here today and the conflicting messages that I received, that some of them are lying through their teeth. I request that the CFPB investigate TransUnion shady practices.
Product: Credit reporting or other personal consumer reports

I have called this company several times to no avail. The calls are outsourced to the XXXX and nothing ever gets solved, I'm always getting transferred to multiple people that still don't help after they verify me, when I have given all of my sensitive verifying information, they say they are not the right department, say that they will transfer me to the right dept, that dept picks up and then the whole cycle continues and I've gotten no where. XXXX opened up a secured account without my consent. I had it closed but they are still reporting to the credit bureaus that it's open and that the credit limit is {$160.00} and of that {$160.00} was used and therefore, my fico scores have been low because of this for quite some time now. I want this company held responsible for not having reps that can actually solve complex concerns, for opening this account without my consent, for reporting to my credit file errors, for reporting to my credit file in general. I want someone to take care of this and no one has been able to, which has led to numerous phone calls, time spent and personal credit damage.
Product: Prepaid card

Well on Thursday the XX/XX/XXXX I loaded {$85.00} on my XXXX Rush card I went to use it XXXX there were no funds I was on hold from XXXX in till XXXX jus for someone to tell me sorry your funds should be there shortly we are working on are system. Then here it is XXXX still not able to use XXXX because there is no money where is my money. I cant pay any bills are any thing. I would like to know what XXXX is doing people need to live to
Product: Credit card or prepaid card

I set up auto pay and they send me an email saying my payment is due. I checked and it was scheduled to pull but keep getting notified payment was due. I find out this morning that they pulled the payment twice. Now tell me I paid the full balance twice. Should not be able to pay any credit card twice with no balance. 
I ask them to reverse that charges and they refused. Said a charge of $ XXXX had posted to the account and they will deduct that amount. Told them any new charges do not even get billed until after the closing date on XX/XX/2023. Now the want to take 15 days or more to mail me a check! 

This type of practice needs to be stopped
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never mine. Never had XXXX XXXX XXXX   account in my entire life. It is a result of an Identity theft.
Product: Consumer Loan

I owed BOA XXXX. I paid them XX/XX/XXXX with a Certified check for XXXX ( sale amount from XXXX XXXX ) I have not recieved the money difference or title.i was told 3 days then 3 weeks and I still have nothing.
Product: Debt collection

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. SUMMIT ACCOUNT RESOLUTION XX/XX/2021 XXXX 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 knowns or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

XXXX : After I called Aidvantage on XX/XX/XXXX about entering in an XXXX plan, they approved me into the XXXX  program using incorrect income information with a monthly payment of {$400.00}. As soon as I saw this document from them, I reached out again on XX/XX/XXXX about reducing my monthly payment. For reference, my XXXX XXXX was approximately $ XXXX, so there was no way I should be paying that much on a monthly basis. 

XXXX : I received a document from Aidvantage stating there was a change in my loan terms. The new monthly payment became {$300.00}. 

XXXX : I received another document from Aidvantage saying they automatically converted me to the XXXX plan. 

XXXX : I called Aidvantage many times about getting my monthly payment calculated correctly. I used the Studentaid.gov website to calculate my payment using the correct IRS info, and it should only be around $ XXXX. After several unhelpful representatives brushed me off, I finally found someone who confirmed that I should be paying that amount. He assured me that he would get this changed on their side. 

XXXX : 3 weeks later I received 2 documents from Aidvantage. The first one stated that " it's too soon to process your XXXX  recertification '' and that they were unable to process my recertification request. The second document is a monthly statement from XXXX with the incorrect payment amount of {$300.00} to be paid by XX/XX/XXXX. 

I plan on reaching out again, but I've been trying to get this settled since XXXX with many phone calls that were either disconnected mid-conversation or left uncertain. I shouldn't have to pay {$130.00} more per month just because Aidvantage is incorrectly managing my loan repayment plan.
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. 
Account name XXXX XXXX XXXX Account number XXXX, Account name XXXX XXXX XXXX Account number XXXX, Account name XXXX XXXX XXXX XXXX Account XXXX, Account name XXXX XXXX XXXX XXXX Account number XXXX, Account name XXXX XXXX XXXX XXXX Account number XXXX, Account name XXXX XXXX XXXX XXXX Account number XXXX, Account name XXXX  Account number XXXX The above accounts have violated my rights!!! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 eb states that the bureaus are supposed to ensure that 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.

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. 
XXXX has investigated and deleted above accounts and you need to follow suit. Delete the accounts immediately!!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX Balance : {$320.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX Balance : {$82.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$680.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX Balance : {$800.00} XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XX/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
Product: Checking or savings account

I had a checking account with USAA that was closed, because I lost a dispute that overdrafted my account. After the dispute was resolved against me, I asked to provide evidence showing that the dispute was valid and my dispute should be reopened. The dispute was reopened but I was not given another provisional credit and I was never asked for the evidence which I had. This evidence would have showed that I was charged twice for the same transaction. In addition, because of USAA 's failure to notify their collections department that I was disputing the charge which had caused my account to overdraw resulted in my account being closed and sent to collections. My account should have never been closed and sent to collections. USAA claimed that they reinvestigated the dispute, but they failed to ever ask me to upload any documentation or evidence. Most egregiously, I was sent a letter that said that the documentation I had submitted on my re-dispute was the same as the documentation I submitted for the original dispute. I never provided the evidence showing that I was charged twice, and I have no idea what USAA was referring to in the letter about the re-dispute. This whole dispute was handled badly from the beginning.
Product: Debt collection

Please delete this account, if in casa that you can proof it. ARS ACCOUNT RESOLUTION, date opened in XX/XX/2018, with {$510.00} of amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off XXXX XXXX my truck payment in full and they reported me 30 days delinquent. It was an error on XXXX XXXX and it was not removed from my report. I want it removed I never missed a payment and it ruined my credit. I am very upset and it is not fair. My next corse of action is suing XXXX which is expensive and I dont want to go through that. Please help. Thank you XXXX XXXX. 

XXXX reported me late 30 days and I had already paid the truck off. Completely ridiculous.
Product: Credit card

THERE WAS A FRAUDULENT PURCHASE MADE ON MY MACY 'S STORE CARD XX/XX/2015. CALLED COMPANY, INVESTIGATION WAS MADE AND THE FEES WERE SUPPOSED TO BE REMOVED, TOTALING A BALANCE OF {$0.00}. I REQUESTED CLOSURE OF THE ACCOUNT IN XXXX 2015. 

MY FIRST PHONE CALL TO THE COMPANY WAS IN XX/XX/XXXX, TO CLOSE THE ACCOUNT AND START AN INVESTIGATION. THEN I CALLED IN XX/XX/XXXX, BECAUSE THE REQUEST IN XX/XX/XXXX WAS NEVER DONE. TRIED AGAIN IN XX/XX/XXXX, TO FIND OUT THAT MY OLD ACCOUNT WAS CLOSED AND MACY 'S SIGNED ME UP FOR A NEW ACCOUNT. AND MY LAST CALL WAS IN XX/XX/XXXX, WAS NOTIFIED THAT MY NEW ACCOUNT WAS ACCRUING THE LATE FEES FROM THE OLD FRAUDULENT ACCOUNT. I SENT THE COMPANY XXXX EMAILS, WITH NO RESPONSE. AND I AM STILL RECEIVING EMAILS THAT I NEED TO MAKE PAYMENTS ON THE NEW ACCOUNT, THAT I ASKED THEM TO CLOSE IN XX/XX/XXXX.
Product: Student loan

I received a email from the DOE in XX/XX/2022 that stated all my loans are to be discharged, due to a group discharge for school misconduct of all XXXX XXXX. I attended XXXX which is a XXXX XXXX from XXXX. The email also stated I did not to file any XXXX application. My loans are serviced by Navient and have been in constant contact with them about this. Last correspondence was that my loans were going to be placed in an administrative forbearance until they hear from the DOE about my specific discharge. The DOE said that there is thousands involved in the discharge and it is just a waiting game until they get to me. I am a part of a XXXX XXXX with others in the same situation. Many have already received their loan discharges. But it seems the XXXX loans by Navient are taking the longest to get to for some reason. This was supposed to be a swift process. The DOE just keeps saying they have no timeframe. Ive asked why Navient has not even received any documentation from the DOE stating my loans are to be discharged. They just have the email I provided them as proof. Others have at least received updates/paperwork that the DOE approved their discharged. I have not received anything. Ive asked repeatedly for the DOE XXXX department to at least contact Navient to State my loans will be getting discharged. And they have refused and just keep saying to wait. Again just to be clear, my loans are already in administrative forbearance status.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and dissatisfaction regarding the lack of response to the disputes I submitted to XXXX, Equifax, and XXXX. Despite clearly outlining the inaccuracies on my credit report and citing the violations of the Fair Credit Reporting Act, it has now been over 30 days since I submitted my disputes, and I have not received any acknowledgment or resolution. 

It is imperative that these issues are addressed promptly and accurately, as they have significant implications for my financial well-being. The failure to respond within the legally mandated timeframe is unacceptable and constitutes a blatant disregard for consumer rights. 

I demand immediate action to rectify these errors and provide me with a comprehensive resolution. Attached are copies of all correspondence sent to support my claims. 

Failure to address these concerns promptly will leave me with no choice but to pursue further action to ensure my rights are upheld under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMAPANY HAS PLACE BANKRUPTCIES ON ALL XXXX OF THE MAJOR CREDIT BUREAUS. THEY ARE NOT COMMUICATING WITH ME AND I HAVE SENT IN ALL DOCUMENTS TO HAVE THIS REMOVED FROM MY CREDIT FILE.
Product: Checking or savings account

In early XXXX I called Netspend Bank to close my banking account. I requested all funds to be mailed to me. This did not happen. I called back on XX/XX/XXXX. They had not closed my account as they told me they would. I requested a second time for the account to be closed and a check sent to me with the {$1000.00}. I gave them my address for the check to be mailed to me. I was told that I would recieve the check within 7-10 business days which would have been XX/XX/XXXX and XX/XX/XXXX. As of today I have still not recieved my money. I called back on XX/XX/XXXX at XXXX. The CSA told me that {$25.00} had been sent back to the orginial depositer, {$970.00} to another original depositer and that {$49.00} was still in the since closed account with them. Both the {$25.00} and {$970.00} were sent to bank accounts that belong to my wife and have since been closed. At this point I have no idea where my money is. The CSA gave me a tracing #. I have no idea how to even use this number to find my money. While on the phone I was transferred to a superviser and was then disconnected and hung up on after dealing with them for over a half hour. This bank has essentially stole my money.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 bureaus contiue to report Great Lakes which is a student loan servicer as an open account that has been closed for 9 years and 9 months. I've contacted Great Lakes, disputed this account for YEARS on all of my accounts. It needs to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Vehicle loan or lease

Hyundai Motor Finance. I had a 36-month lease that I paid on-time. I turned in the XXXX XXXX on XX/XX/XXXX and recv 'd a document from the dealership acknowledging the return - showing no additional amount due. 

In XX/XX/XXXX, I start to get marketing materials for another lease/loan. I don't want another XXXX, so I recycle the papers. More materials come, more recycling.

I received an alert from my credit monitoring service stating a late payment has impacted my credit score. I look today & it's this lease I have paid in full. There is a {$420.00} fee charged to my account. I did not get any calls, any texts, any emails - nothing to let me know I had this amount due. The fee was added after I returned the car. The dealership did not tell me ; I left the showroom assuming I was free and clear. Apparently, Hyundai bills a fee to those who don't lease another vehicle with them. Seems like a penalty on an outstanding customer. 

I looked on the website where I normally made my payment and NOTHING stated I was delinquent. I clicked around, saw my final payment, saw the lease paid out on XX/XX/XXXX - all looked satisfactory. I kept clicking ... clicking and then saw the fee. 

I called Hyundai today and spoke with XXXX (? ) who gladly took my debit card payment over the phone. I paid the {$420.00} today ( XX/XX/XXXX ). 

I asked about credit reporting. She said it would reflect as paid. I told her I did not know about this debt, already have another vehicle, and would like for this to NOT impact my credit since I have always been a great customer. She stated Hyundai had to report accurately and there was nothing she could do to correct it. She told me that I was 214 days past due! She told me I should have charged-off in XXXX! She didn't know why I wasn't charged-off so she put me on hold. When she came back, she said because they were closed in XXXX ( COVID-related ),  everything had been pushed back 60-days. A charge-off! If I still had the XXXX XXXX, you can bet Hyundai would have tried to repossess it and not just charged it off. However, I don't have the collateral anymore, but I still owe a fee.? 

I should not have been billed the fee. I feel it is a harassing tactic for additional business and revenue. Hyundai let it impact my credit and because I am no longer a customer of theirs, is unwilling to correct the credit bureau like I asked, although they now have their money ( {$420.00} ).
Product: Debt collection

I checked my credit report and found that my XXXX XXXX account which is financed by Comenity Bank has reported me as 30 days late on this account that I PAID OFF in XX/XX/2021. It appears that after I paid off the account, the company continued to charge interest unknown to me because I receive online statements. After paying off the account, I had no need to check any online statements. In addition, the company should not have continued to charge interest on a PAID OFF debt. I paid XXXX to satisfy my debt with them and haven't charged anything on my account in months. Due to the interest charges and late fees, the account now has a balance of {$43.00} and they are reporting me late. I have perfect credit with all other creditors and previously had perfect credit with them. They caused this problem with their tactic of still trying to collect interest. Also, I have several other accounts with this bank and one can clearly see how I pay on my accounts which are all in GOOD STANDING.