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

The credit reporting agencies are reporting an incorrect balance and percentage of credit card usage on my reports which is a clear violation of the FCRAXXXX 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  the charge should immediately be credited to my credit card account along with a credit for all interest & fees that I have been charged by XXXX XXXX for this fraudulent charge by 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  should undertake to communicate with the credit reporting bureaus immediately to completely clean up all incorrect reporting. 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 should compensate me as a consumer for their actions, pursuant to the Fair Credit Reporting Acts ( FCRA ). 

My dispute is with Credit Card XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMerchant name - XXXX XXXX XXXX XXXX XXXXXXXX XXXX shows on the charge on my account Transaction amount - {$420.00} Transaction date - XX/XX/XXXXXXXX XXXX XXXXReason for the dispute - When I arrived at the Airport car rental counter in XXXX XXXX the agent told me that my car was not ready. I had made a depositor the rental, which was apparently processed when I arrived at the counter without my permission. I waited around for XXXX hours, while the agent did a number of things such as trying to charge my card more than the balance of the rental charge. Ultimately, XXXX did not provide me with acar and should not have billed my card. I never received a rental car XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My account was originally credited for the {$420.00} charge in XXXX of XXXX. However the charge was putback on my card in XX/XX/year> - 2 months later with no communication from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I saw that my rights as a consumer has been violated. According to the FCRA, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States " the term consumer report doesn't include any report containing information solely as to transactions or experience between the consumer and the person making the report. " Late payments are a form of transactions according to the credit laws. All bureaus, XXXX, XXXX and Equifax is reporting late payments on multiple accounts : XXXX  XXXX XXXX, XXXX  XXXX XXXX. 15 USC 1681b ( a ) ( 2 ) states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. " I never gave any of the consumer reporting agencies written permission or instructions to report any inaccuracies let alone these late payments. Also according to 15 USC 1681 602 Congressional findings and statement of purpose states " There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. " It also states " the banking system is dependent on fair and accurate credit reporting. '' Reporting inaccurate information on a consumer reports directly impairs the efficiency of the banking system. Nothing about the reporting of these late payments are accurate and I have never received sufficient proof that they are accurate and my privacy has been violated due to the consumer reporting agencies violating my consumer rights by allowing these inaccuracies to be reported on my credit reports. I am requesting that you do the right thing and delete this information from my reports.
Product: Debt collection

I have numerously told   XXXX   XXXX     XXXX   XXXX   that I have consolidated years ago and yet my parents who are not co signers, get repeated calls up to  4 per day. I also received 3-4 calls per day, they are extremely rude on the phone v erbally abusive, insulting me to guilt me into payment when no such payment is even due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my loan XXXX were listed by XXXX XXXX a scam artist at my property XXXX XXXX XXXX XXXX, mi  XXXX he used it on an hud contract and I notice the broker with hud appeared to have an XXXX style name too that conducted the contract. 

To Hud, Please explain your involvement with property XXXX XXXX XXXX and loan number XXXX to the consumer financial protection bureau and to, XXXX XXXX XXXX XXXX. 
ssn # XXXX Address, XXXX XXXX XXXX XXXX. XXXX, MI XXXX XXXX XXXX
Product: Checking or savings account

Huntington Bank closed my checking account on XX/XX/19 which has a balance of {$2000.00}. I contacted them to see time frame I will receive my remaining funds in account. Huntington reply funds were removed from closed account and no notes on issue check.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY PHOTO ID AND SOCIAL TO OPEN THIS FRAUDULENT XXXX XXXX XXXX XXXX I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion  and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Student loan

I have been on an amortization schedule with this lender that was pre-set when the loan began and saw no changes for over a decade. The loan was scheduled to be paid off by XXXX. I have been overpaying by at least {$80.00} every month for the last 2 years to finish paying off the loan faster. In XX/XX/XXXX, I noticed my monthly payment had drastically increased, although the amortization schedule didn't list an increase until XXXX of XXXX. What's more, the increase was much more than specified in the amortization schedule. I had a couple of late payments, so I thought perhaps my overpayment hadn't been applied to the late fee, and it was rolling over. 

After reaching out to the servicer for clarification, however, I was told this was not the case and that my servicer had readjusted my payment schedule " to ensure I paid the loan off on time ''. I have been overpaying > {$80.00} to this servicer every month since at least XX/XX/XXXX and was poised to finish repaying the loan earlier than anticipated, so this reply doesn't make any sense. 

Furthermore, the new monthly payment is almost double the usual amount, and at least {$100.00} more than the expected amortization increase for XXXX. I checked my amortization schedule when I first noticed the monthly increase and it showed the schedule set at the start of the loan. I checked it again after receiving the reply from the servicer and saw that it had been changed to something very different and only shows the next few years at this new payment schedule, and not the entire schedule ( from the start of the loan ), like it used to. 

I believe this company is trying to make up for losses in interest payments, that may be arising from the potential upcoming student loan forgiveness legislation, by drastically increasing monthly payments. There is no reason for this sudden increase and change to my account. It is also very strange that they would hide all of the previous amortization information. Please look into this. The servicer is Navient. I have 2 FFELP loans through them.
Product: Debt collection

I had previously submitted a complaint against Portfolio Recovery, and they did not address the complaint that I submitted. All they did was say that " XXXX has furnished information to the consumer reporting agencies in accordance with industry guidelines. XXXX verified the account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies. '' Portfolio recovery is not reporting accurately. They are reporting as a factoring company, and as an open, revolving account, which they are not. They are a debt collector. They are also reporting payments on my reports monthly, which they can not do as a debt collector, and furthermore, I have never made a payment to them even through they are reporting that I have been paying them for the last year and a half. Regardless, they can not, as a debt collector, report monthly on a credit report. 

I never received a dunning letter from Portfolio Recovery after they purchased this account from XXXX, which they were required to send. Furthermore, after sending them a request for verification, they did not respond.
Product: Vehicle loan or lease

I have attempted to obtain an understanding of the delinquent balance I owe, concerning my vehicle loan with US Bank, however, have had difficulty obtaining a clear distinction. I emailed US Bank requesting a complete payment history effective with the date I obtain the vehicle loan, as well as, an explanation as to how my payments have applied. The response I received was partially helpful, as the representative attempted to explain to me, when my grace period was, and the amount of the late charge I would receive if the payment is not remitted by the date due. I however did not receive a copy of my payment history to assess the application of my funds. When I responded, advising that the email did not convey any information I did n't already know, I requested supporting documentation to validate that fee 's are applied prior to the application of my payments towards P & I. Again, I received a reply which did not provide me a copy of my payment history, rather I was advised I would be charged a {$25.00} fee to obtain a complete copy of my payment history. This is absurd to charge a consumer {$25.00} for a copy of there payment history when I am making an effort to understand the balance I owe, and resolve my delinquency.
Product: Money transfer, virtual currency, or money service

Cashapp abruptly closed my account, citing terms of service violation/fraud. Ive only ever used cashapp to send and receive money from family and friends. A few weeks before my account was closed, I did notice something odd. I tried to transfer some money to my mom and cashapp said that I couldnt because I had exceeded my {$4000.00} weekly send limit. I have never sent or received such a large sum through cashapp. On this instance, I just figured it was a glitch on cashapps network and thought nothing else of it. Ive tried to get this issue resolved through cashapp but it never gets past we are researching. It has been months and my account is still closed with no answers from the company.
Product: Money transfer, virtual currency, or money service

XXXX had a link that said to click to learn more. It automatically signed me up with Xoom. I do not want the service and had no chance to confirm the subscription. It automatically signed me up. 

Then, I've sent at least two, possibly three, but two that I can remember, requests for them to delete my account and data as I do not want the service. The first request was almost immediate it and was ignored. The second request they said they would delete my account but not my data. 

Now, I just got an updated privacy policy and my account is still active. 

I don't want this service and was tricked into signing up for it due to their misleading use of hyperlinks. 

Included are the following attachments : 1. first tech support response - showing my first ticket submitted XX/XX/XXXX 2. marketing email on XX/XX/XXXX showing my account still active 3. confirmation of second support ticket 4. confirmation of removing my account 5. refusal to delete my data 6. A privacy policy change indicating my account is still active 7. me putting my email in showing the account still exists, but not logging in I didn't log in on the last one as I don't want to do anything that can be construed as me reactivating the account. 

They are doing this intentionally, and I'm sure they are doing it for many others as well.
Product: Debt collection

This company ( Portfolio Recovery Assoc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. XXXX XXXX, XXXX, XXXX XXXX. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting or other personal consumer reports

The Milestone credit card account ending in XXXX was closed due to identity fraud. I also requested the hard inquiry dated XX/XX/2023 on my XXXX XXXX report be deleted. Since the entire record of the credit card account HAS been deleted from my report, the HARD inquiry needs to be removed too. Milestone did remove the account but has not removed the inquiry.
Product: Checking or savings account

I received a notice that a savings account had been opened in my name at Navy Federal Credit Union, mailed to an address that I had not lived at for 40 years. I did not open this account or request it.
Product: Credit reporting

I place a security freeze on Equifax and now i need remove and i can't.For 3 days i call them and they transfer for electronic request.iI spend about XXXX min on the phone for XXXX times and they do n't remove.
Product: Debt collection

I have contacted ERC ( Enhance Recovery Collection ) representing XXXX on 3 separate occasion by certified mail to provide validation of this debt with my actual signature on the documentation and they have not respond.
Product: Credit card or prepaid card

I have repeatedly tried to address this, but believe the issue now falls under the categories of discrimination and harassment. 

Chase refuses to change the name on my account, and now no longer allows me to submit a request through their site and does not respond to previous requests. Las request was submitted on XX/XX/21. 

Ive asked repeatedly that my name and gender be changed per my attached court order, but even today when I logged in, the account still has my old name attached to it.
Product: Debt collection

Hello. I received a notice of collection on my credit that seems to be filed on XX/XX/21 from a collection agency for XXXX XXXX. 

I do not recognize this agency, have not received any communication from them. 

We have been using XXXX XXXX for over 2 years with same account and have no issues, no account problems and are still using them. 

This dept seems either fraud or contains an error. 

Hopefully there is not some sort of identity fraud happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent my letter over 60 days ago, XX/XX/XXXX to be exact to this bureau and they are disregarding a regular consumer disputes. I am stressed and have been sending letters before this and still haven't received any results yet. Now I am deciding to go a step further by submitting this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Approved for a XXXX Plus loan from XXXX XXXX. Car payment XXXX dollars a month. The salesman used unfair sale practices to make a sale ( 1983 Act 83 ) The first 8 months after purchase, payments were compliant. During month 9, I began to experience financial hardship. Made several attempts to request lower payments. Company denied request on a several occasions. Company furnish data incorrectly on credit file which is against FCRA Guidelines.
Product: Checking or savings account

I deposited my paycheck on Friday XX/XX/2021 at an ATM in XXXX, AL. I previously confirmed with Wells Fargo that my money would be available the following day. My ATM receipt also states my deposit would be available on XX/XX/2021. The following day I get an e-mail stating that my funds were being held until XX/XX/2021. I called Wells Fargo to see what the problem was and was told to refer to the maker of the check. I called my employer on Monday XX/XX/2021 and told them the problem. We called my employers bank, XXXX  XXXX XXXX, and was told the money was released to Wells Fargo when requested on Friday. I called WF back and was told I needed to go into a branch and the hold would be lifted. I went into a branch and was told it was a fraud hold on my account and they couldn't do anything about it. I called the fraud department and was told they have nothing to do with this hold. At this point my money has been stolen by Wells Fargo and I will be filing police reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Experian Report # XXXX ; TransUnion File # XXXX On XX/XX/XXXX, I sent USAA a letter requesting am investigation under FCRA Section 623 regarding tradelines I previously disputed with XXXX and XXXX. These inaccurate tradelines were incorrectly verified by the credit reporting agencies. 

My letter ( attached ) included report numbers from the above-mentioned bureaus ; my name and address ; the account numbers as listed on the credit reports ; and the relevant pages from my XXXX credit report ( attached ). 

This letter was sent via Certified Mail, Return Receipt. USAA received the letter on XX/XX/XXXX ( # XXXX, attached ). 

On XX/XX/XXXX, I received a response from USAA ( attached ) dated XX/XX/XXXX indicating that my dispute was frivolous and requesting the " specific accounts '' and " an explanation of the basis of the dispute. '' I object for two reasons : ( 1 ) All requested information was provided in my letter of XX/XX/XXXX ; ( 2 )  According to the FTC, the Fair Credit Reporting Act allows USAA to determine that a dispute is frivolous or irrelevant under certain circumstances but requires them to notify the person who made the dispute of that determination within 5 business days of receiving the dispute. This means that a letter determining my dispute to be frivolous should have been mailed by Friday, XX/XX/XXXX. USAA 's letter to me is dated XX/XX/XXXX, was postmarked on XX/XX/XXXX ( envelope image attached as Exh. " B '' ) and received on XX/XX/XXXX. Therefore, USAA has violated my rights under the FCRA.
Product: Checking or savings account

Dear CFPB Investigator, How are you? 

The report I like to make today is the concern of the potential criminal activity with my file at XXXX. 

1. XXXX XXXX XXXX open at 2018 closed 2. XXXX XXXX at 2018 open 3. XXXX XXXX XXXX XXXX at Houston 2018 still open 4. XXXX XXXX at Houston 2018 still open The suspect is the XXXX   Police Department officer name : XXXX XXXX.

Her potetial criminal activities are : Cyber Crime Law - Computer Criminals target people online for various financial scams, which have become so prevalent that many of these crimes go unreported - Harassment and Stalking - Activities relating to material constituting medical malpractice - Procedural laws refer to government agencies and their authority to get electronic data from internet providers, third parties and computing devices Crimes against property - Larceny - Embezzelment I am working on a report for FBI at XXXX, and if you need further assistance please contact me, thank you.
Product: Student loan

I graduated from XXXX XXXX XXXX in 2010 and was very overwhelmed with the cost of my tuition I have to pay back. I tried asking for more explanation about the details of the loan and program I was going in for but never gotten the help from anyone. 
At first, I just wanted to visit XXXX XXXX since it is closer to my home and schedule can be very flexible, that day I felt like I was pressured to stay and enroll right away, they asked me to fill out loan applications and different paper form. 

Now that I am planning on continuing with my education I was told that all my credits from XXXX XXXX XXXX can not be transferred so now I am stuck, I know for sure I will never go back there because of the money they charge me. None of these information was given to me when I first applied. 

**We were un aware that they will have a loan under my name and under my step dad 's name until all this migration from XXXX to Navient happened not too long ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed the following inaccurate fraudulent information that are negatively affecting my good character and reputation ACCOUNT NAME : XXXX XXXX All Three listed below have inaccurate information OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter regarding inaccurate and incomplete information. I demanded Experian to remove the inaccurate and incomplete information. They responded and stated that they verified the account as accurate. I requested the name, address, and telephone number of each person contacted regarding this alleged account. I also requested copy of any documents provided bearing my signature. I demanded Experian to show me where I gave them permission, written consent to furnish any information on my behalf, according to 1681 ( b ). I requested a reinvestigation AND a Method of Verification. Experian has not responded.