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

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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: Student loan

XXXX College : XXXX XXXX, PA XXXX failed to make the extremely high interest rates of Genesis Lending Services, that I was not told they would be that high. I was threatened multiple times to lose my loans and be kicked out of the school, since I could not afford the interest rates that you have to pay while you are enrolled in school.The financial department at XXXX ( XXXX, PA ) honestly told us nothing about the lending service. Next thing I knew I was receiving $ XXXX {$200.00} interest payments while I was going to school. The school did not help me with finding a job nor did I receive a rent and living check. I had to rely on borrowing the money from the people in my family who do n't have the money to spare. I got told XXXX times by XXXX and a few calls from Genesis that if I did not make my payments I would lose my loans and be forced to drop/be kicked out of the school.
Product: Checking or savings account

On Friday XX/XX/XXXX I noticed two transactions of Bitcoin purchases through XXXX in the amount of {$500.00}. I initially called XXXX who told me they could not help me and that I had to contact my bank ( Navy Federal ) I called them next and followed every step they told me to do. I unlinked my debit card from XXXX. I then canceled my debit card and got a new and closed down my XXXX. In the past I have used XXXX but only to send money and receive money. I do not know how to pay for Bitcoins or how it was purchased. I then filed a claimed for fraudulent transactions and was credited {$500.00} on Tuesday XX/XX/XXXX. On Wednesday XX/XX/XXXX the {$500.00} was token out of my account and the claim was denied leaving my account in a negative status of - {$470.00}. I have reached out to Navy Federal in detail. Then unbeknownst to me my XXXX account was still linked to my Navy Federal account. When I tried to unlink it I found out that I could not do it on my own. Something that took less than 30 seconds to do I had to wait over an hour to get a call back so that their digital department could unlink my XXXX account. By that time someone had already XXXX me {$500.00} to my bank account that was in the negative and now that money is just gone. Navy Federal refuses to dispute that money and return it back to the sender. I have called and sent numerous of emails and no one is willing to help. I have had people hung up on me and even asked me well what do you want me to do, I cant help you it is very disappointing and disheartening because I have had this account for years and never had any issues like this before. And the fact that no one is helping me is really sad to say the least.
Product: Credit reporting or other personal consumer reports

XXXX experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my XXXX report due to inconsistent and inaccurate reporting. The report contains inaccurate information and company failed to provide the information I requested.
Product: Money transfer, virtual currency, or money service

Im the owner of a supermarket where we have money transfer services we work with several companies and one of them is maxi transfers. On Sunday XX/XX/XXXX we received a call from someone claiming it was from maxi transfer and wanted to do some changes on our system. By whatever reason we believed it and they got in our system and made some transactions one of {$2900.00}, {$2900.00}, {$2800.00} and one last one that was rejected of {$2700.00} because by this time we call them and told them about the situation it sum of a total of {$8600.00} not including the one that got rejected. One of them has a paid date of XXXX XXXX XXXX XXXX. We called the company right away and we want to dispute such transactions because this was not made by any of us at the supermarket it was a scam and theyre saying theres nothing they can do bout it that we have to pay for it because it came from our store. I dont understand why such a big company dealing with big amounts of money didnt catch that? Theyre the ones that need to verify before it gets released. They should be able to detect suspicious activity on accounts and call the store and right away or freeze the account right away until the talk to the people o the store. This doesnt add up. We spoke to several agents one of them was XXXX an agent located in XXXX he stated that he was working from home and he mention that some agents from maxi transfers could be doing fraud too. They just keep on transferring us to different departments and all of them say we are responsible for paying that money but no solution to our problem or do a deep investigation. They said if we dont pay that money theyre taking legal action against the store. This is so weird theyre not doing anything to help us investigate so my thoughts are that theyre the ones doing this to the stores that offer their services. They didnt allows us to cancel service either. Theyre failing to provide proper protection for accounts, theyre failing to report or catch suspicious activity on accounts.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it from a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
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: Debt collection

I have received multiple phone calls from someone who calls himself "  XXXX   XXXX  '' with " Direct Recovery Services '' at my place of work after  XXXX   XXXX  has been informed that I am not able to take collection calls while at work.
Product: Credit reporting

I tried to open an XXXX checking account, and I was denied even though my credit score was over XXXX. With seven years of a full time job, no student debt, auto loans, or any loans period, I was denied a savings account even though I already have XXXX at XXXX XXXX XXXX. After my first denial, I called XXXX XXXX, and the company encouraged me to try again, stating they did not conduct a " hard credit check. '' After my third try over five months, I finally received a letter from Ally, stating CHEXSYSTEMS INC was unable to verify my identity. Then, in order to gain access to the full report, I had to complete a form on CHEXSYSTEM 's website that asked for everything from my current address to my social security number - extremely sensitive information. Instead of completing their application, I called the listed number ; however, the only thing the company has on the end of the line is an automated voice mail. In addition, XXXX was unable to " supply specific reasons why [ they ] have denied [ my ] application. '' So, after being promised my credit score would not be affected, my score actually dropped over XXXX points!
Product: Checking or savings account

I have tried linking my PNC account to XXXX and XXXX XXXX to send money and make deposits, but I keep getting an error message saying PNC has made changes that make it impossible to link my account.
Product: Debt collection

A company named Deville Mgmt placed a debt on my XXXX credit report that is not mine. I do not know who this company is, nor have I ever owed such an outstanding amount. The debt listed on my report just showed up as a collections debt yesterday XXXX/XXXX/17 and states that it is from Deville Mgmt with an account number of XXXX, stating that this is the original creditor and the amount is for {$9000.00}.
Product: Debt collection

I obtained a copy of my credit file around XXXX 2016 and filed a dispute through the credit bureaus against XXXX XXXX XXXX and Nissan Motor Acceptance. Once bureaus investigation was completed it came back the information disputed with XXXX XXXX XXXX was verified, no change and Nissan Motor Acceptance as new information. In receipt of this information I sent XXXX and XXXX a letter of stating : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
XXXX XXXX XXXX than replied with a letter saying they received my dispute for verification and to be advised that XXXX XXXX XXXX confirmed the name and address listed on the account as well as the amount due. Nissan Motor Acceptance has not responded to my request.
Product: Credit reporting

Had an auto loan with Santander USA open in XXXX. Voluntarily surrendered in XXXX. 
Vehicle was sold on XXXX/XXXX/XXXX yet Santander USA has reported late payments from XXXX until XXXX. In XXXX they reported paid on time- which is the same time that Santander USA said they sold the debt. 
After they received possession of the car and they sold the vehicle, how can I be liable and charged for late payments?
Product: Debt collection

I received a call today from Aldous & Associates in California attempting to collect a debt from XXXX XXXX. The intern or representative was monotone and sounded extremely fed-up which is understandable given the job. Debt collection is tough. But there were multiple issues that need to be addressed. I do not know his name, but Aldous & Associates should have no trouble identifying him as all calls are recorded for quality and training purposes. 

The first was that in introducing the debt, the representative stated that they would be reporting to my credit if the debt is unresolved. This is a no-no. 

The representative went on to state that I owed XXXX XXXX an amount of approximately {$100.00}. Then stated there was a second account of over {$600.00} or {$700.00} at which point I laughed and declined to pay because I did not recognize the account. Unfortunately before I was able to ask any questions whatsoever, the representative hung up without giving any information. Thats a second no-no. 

I of course called the Aldous & Associates office and was connected to the same representative. I stated that our call had been disconnected and that I wasnt finished. The associate acted as if the conversation had been days ago, saying oh I remember very obviously humoring me intentionally. I explained my concern about the second debt and that Ive been unemployed since XXXX ( corporate layoffs ) and was unable to pay XXXX for the balance owed. The representative then stated that the balance was for XXXX XXXX which I havent been a member of for years. This is the first Im hearing of a debt to XXXX. I asked when the debt was reported and the associate rattled off that he would be sending an email to the account on file and that I needed to reply with my address. He then hung up again. He did not verify my identity at any point during the call, and did not verify any of my contact information. Yikes! 

At this point, I would advise anyone having to deal with Aldous & Associates to back away. Run, motor, crawl if you can. They are unethical and prone to illegal behavior.
Product: Prepaid card

I have an AmEx gift card, which is being declined despite having verified that the balance on the card is much larger than the cost I'm trying to process on it. I tried to get through to customer service, but there's no great way to do that. Once you finally get through to a person, they explain that you can use this card online anywhere! except places that require a billing address be entered for your payment info, since there is no billing address attached to the card, and AmEx can't attach one. And I don't know anywhere online that doesn't make you provide the billing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX account number XXXX {$1100.00} ) ( XXXX XXXX  XXXX account number XXXX {$1600.00} ) ( XXXX XXXX  XXXX {$1000.00} ) ( Online In XXXX  XXXX {$1700.00} ) has violated my consumer rights. 

805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- 15 U.S.C. 1681 Section 604a Section 2 states that a consumer reporting agency can not furnish an account without my prior consent.
Product: Payday loan, title loan, or personal loan

I opened an account with XXXX, an online payday loan application ( their website touts it as a " cash advance '' but you're really just borrowing money from your payday UNTIL your payday ). Regardless -- I opened an account with them in XX/XX/XXXX. I paid a {$1.00} fee and connected my bank account through a third party website and began to utilize the services. You see, you connect your bank so your recurring deposits can detect your paycheck and the system can ensure you're paying your advances back on time and not until your paydate. If you're paid monthly, your balance settles monthly. If you get paid bi-weekly, it settles bi-weekly. I myself am paid bi-weekly and took my first advance XXXX XX/XX/XXXX with no issue. I paid it back as agreed ( I borrowed in the middle of a payperiod ) on Friday, XX/XX/XXXX. I took another advance on XX/XX/XXXX and was surprised when it came out of my account on the XX/XX/XXXX because my profile reflected that I am paid bi-weekly and wasn't expecting to have it paid back until the following week. I contacted XXXX support and was advised to make sure my income was correct and to let them know next time and they could change my advance date. 

Since then, I have had to submit a ticket EVERY TIME I do an advance to change my payback date. My income is correct in my profile, my check stub has been verified I have done every single thing they have asked me to do and sometimes if I don't catch their support team in time ( like today, I took an advance out XXXX days ago that I saw is going to settle tomorrow, again in between my paydates ) I was advised they wouldn't change my payback date because it was already too late. I'm paying a fee EVERY time a payback is made. Every single time. Their website says that you can take advances until your paydate and to pay back on your paydate and their software is integrated so that it's supposed to detect your income. It all just appears to me that this is an online company taking advantage of consumers by charging them extra fees when they advertise differently. Shame on them.
Product: Credit card or prepaid card

I have made a couple of attempts to apply for a secured card. I was told my transactions were not verified although I contacted my bank so that my information could be confirmed. I suspect that the issuer is attempting to undermine my attempts at obtaining credit with them even though it is a secured credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection Company XXXX XXXX is reporting to the credit agency that they have an a collection account with me that was opened XX/XX/2018 for {$510.00}. I have personally contacted XXXX XXXX over the phone in order to settle the Debt, the issue is when I give them my information they are telling me that I do not owe them money. And that I have never had an account with them. But my credit report states that they are reporting I do owe them money for something.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to TransUnion and XXXX XX/XX/XXXXXXXX XXXX XXXX about 3 accounts on their reports to validate and to update my personal information Back in XX/XX/2022 in which the 3 accounts were showing as being charged off back in XXXX. Shorty after reviewing my credit report after. The 3 accounts are now showing back up on my credit as open and active. XXXX very disappointed about the inconsistency of the reports that are now showing up on my credit reports. The account and account numbers are listed below. XXXX XXXX  XXXX Account # XXXX charge off date XX/XX/2022 XXXX XXXX Accout # XXXX charge off date XX/XX/202XXXX XXXX XXXX partial account # XXXX Charge off date XX/XX/2022 However I wasnt notified of the status being updated from being charged off to being active again.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items.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 or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time I noticed unexpected discrepancies. I even tried refreshing my browser to see if it was a temporary issue, but the errors remained. Since the inaccurate accounts are still present, I kindly request a thorough review of the documents I've provided to ensure this doesn't happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FRAUDULENT ACCOUNTS LISTED ON MY CONSUMER CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES. 

PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Product: Mortgage

cap XXXX reassigned servicing of loan to another company. Letter dated 2 weeks from date of transfer XX/XX/XXXX was sent, letter of course was not delivered to me until XX/XX/XXXX. I have not received any notification from the new loan servicer. attempts to contact the new servicer were unsuccessful and have no info on new account number to send with my payment I was not given two week minimum notification as required In prior correspondence cap 1 stated that several thousands of my money that was being held XXXX by cap 1, could be applied to XX/XX/XXXX payment knowing full well that were transferring servicing of my account ; when i called to request return of my money they refused
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$0.00}, {$480.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company placed a fraudulent inquiry on my credit report I have not authorized and have failed to respond to my numerous calls and I think they hire these foreign employees to purposely ask you the same question multiple times and place me on hold only to hang up on me and I have to repeat the same process and I am sick of it its not right and its not fair when Im following the procedures as described in the Federal Fair Credit Reporting Act. I deserve an investigation immediately without having to argue or be put off only because they dont care because it aint happening to them. As described in 623 ( a ) ( E ) of the Fair Credit Reporting Act I want the office listed to place this fraudulent inquiry under investigation and remove it off my credit report now because it wasnt me and I have no knowledge of applying for this mess.
Product: Vehicle loan or lease

Global Lending Services LLC has closed and charged off account. GLS has not issued IRS form 1099-C as required by law.

Previously submitted CFPB complaint XXXX. Issue never addressed.
Product: Checking or savings account

XX/XX/2023 capital one online banking XXXX they are holding my money i was robbed at XXXX XXXX I'm having trouble getting my id and documents i have explained this to them them my old job even did direct deposit so i can get funds however they still haven't helped me i know is their policy but i have tried everything and have been ignored