23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a pretty savvy consumer and already knew what my credit score was in XX/XX/2018 because I just bought my daughter a car in XX/XX/2018 and saw my scores at the dealership. Transunion has been billing me XXXX a month for a credit monitoring service since XX/XX/2018 but it has been buried in my XXXX bill and I just noticed it. I disputed the charges but they can only dispute 60 days, I called Transunion and asked how I got signed up for this 'deal ' and they said I signed up for a trial offer for XXXX and didn't cancel ... again, I had no need to check my credit scores at that time so I believe this is fraud. They also claim I used my work address and I never use that address for any personal commercial business because XXXX flags that activity ( screen shot attached ) I have cancelled but I believe I should be refunded all of my money : XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not take proper steps to protect consumer information and now not only has my social security # been compromised, so has all my other personal information. Which I never gave to this company! We 're told we have to use these 3 companies and they 're taking advantage of all of us.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

I have also sent letters to Equifax over 30 days ago and have not received a reply or response. I will attach the letters that I have sent. They have violated multiple laws of the United States.
Product: Debt collection

After living at a college apartment for a fews years i found myself in trouble paying my rent while attending school. me and the property manager were very close, so several months before getting evicted the manager asked me to attend a meeting with her and a former employee. this meeting was set in place to ask me to work for them to clear my debt with them, she understood i had been there for awhile and was willing to exchange services. the apartment was transitioning to a new name and they needed marketing pictures and video and because i'm a professional photographer she saw an opportunity for the both of us. weeks went by and i stopped hearing from her. she stopped messaging me and later that caused me to become evicted. i was done wronged and manipulated, because she left her management position with no notice. this was in XXXX. 

Southern Management Systems ( the furnisher ) had been communicating with me and as a young individual i had no clue on how to deal with this unfairness. i was told many times by the collector to talk to the apartment complex in which i did. that wasn't helpful because they kept telling me there was nothing they could do. i finally wrote a letter to the furnisher to dispute what i felt was an unfair collection. i mailed full details showcasing conversations i had with the manager and the dates and times. this dispute letter was mailed XX/XX/XXXX. i know they have 30 days to respond to the dispute so i waited and waited to only find out on XX/XX/XXXX that they did not have my information and files anymore and that it was sent back to the apartment complex! that was very disturbing. i asked for more information, and they knew nothing at all and told me to call the apartment because they couldn't help anymore. 

XX/XX/XXXX the apartment manager remembered me and expressed how confused she was about the situation and that she knew nothing about it. the same day i received an email from the apartment manager that said " this was an agreed judgment for possession. according to my notes, {$1300.00} was owed as of XX/XX/XXXX '' the apartment manager told me that she hasn't spoken with the collector on their reasoning for them sending it back and to reach out to their attorney. XX/XX/XXXX i reached out to the apartment attorney and was only able to leave a detailed message. it has been a few days now with no call back. i have been dealing with this for a long time with no one willing to give me proper information. 

p.s i renewed my lease and never received my incentive for doing so. they continued to act as if they didn't have the cruise tickets i was suppose receive. i will attach the promotion that states what the portion is for. 
Thanks
Product: Debt collection

Me and my family are getting called repeatedly by Forward Movement Recovery ( XXXX ) for an online payday loan that i have never taken out. They are threatening to call my employer and threatening to call the police. I believe this is some sort of scam to steal personal information. The debt is not valid. And they will not send proof of debt or identify the who is original owner of this debt.
Product: Payday loan, title loan, personal loan, or advance loan

I believe it was XXXX XXXX XXXX it stated, but I remember applying for a loan but not receiving it or confirmation that I received it at all so I figured it failed. It doesnt even register that I have a account with them at all but it is on my credit report.
Product: Debt collection

XX/XX/XXXX Nationwide Credit , Inc. located in XXXX, DE and in other cities and states, sent me a letter earlier to XX/XX/XXXX in which I did not receive by mail, advising me that my account was placed with them for debt collection. Right now, I owe XXXX XXXX  via XXXX XXXX {$1200.00} They are offering me an opportunity to resolve this account for less than the full amount by paying {$510.00}. I must call them or log into their website by XX/XX/XXXX in order to accept this offer. NCI is not obligated to renew this offer. Both XXXX XXXX  and Nationwide Credit are scamming in order to get people to pay certain amounts for XXXX XXXX and both companies can not and should not be trusted.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit 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 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general if, 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 item of information that the Information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed 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. 




Delete account XXXX XXXX XXXX from my credit report. Delete account XXXX XXXX XXXX from my credit report, because of multiple violations of the fair credit reporting act.
Product: Credit card or prepaid card

Hello, On XX/XX/2022 I spent 5 hours trying to resolve an issue regarding a fraudulent payment. Serve is aware that Im being charged for a good I didnt receive and refuse to release my funds. These funds arent pending, theyre on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax need to update the error on my credit repot what XXXX XXXX
Product: Debt collection

XXXX is reporting an auto loan that was opened due to identity theft. The account is under my name and social. The account is from creditor XXXX XXXX XXXX ( XXXX ) with the balance of {$17000.00}. This account was opened after I experienced identity theft and I have provided a previous police report to dispute this matter.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' TransUnion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure that my nonpublic personal information isn't shared without my written consent which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX  the financial institution and the Consumer reporting agencies TransUnion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TransUnion, XXXX, XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Student loan

I was told by XXXX that I would have a monthly payment of {$84.00} after trying for a month to get them to put me on an income based repayment plan. The lady helping me asked what I needed my payment to be at after I had given her my financial information and I replied stating the payment needed to be under {$100.00}. I was told I would receive my new payment within a week, but it took them a month and I just received a message on my account that my payment was put at {$130.00} for the next 12 months. I feel this isnt right because I was quoted what my payment would be and now it is applied to my account that I will repay an amount that I communicated to them that I can not repay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit card or prepaid card

Early XX/XX/XXXX I visited a XXXX XXXX and was approved for a credit card. I waited for the card to arrive, but it never did. I called to check on it using the account number given to me during my initial purchase, but the system didn't recognize the number, so I called and spoke to a customer rep. They told me my card had been cancelled because " a credit reporting agency '' -did n't tell me which- had reported I had filed a fraud report on it, which I never did. I started having problems with my credit when in XX/XX/XXXX someone took out a card using my identity in XXXX. This other card was with XXXX XXXX XXXX. I also put my XXXX   report on lock down, so the only way I can apply for credit is personally. I explained this to XXXX XXXX ( XXXX credit card bank ), and told them I hadn't filed any fraud report on this particular card. They said there was nothing I could do. Asked if I accepted responsibility for the charges on the account, I answered " of course '' and that I wanted my card. They said they would issue a new card, but ONLY for making payments. I couldn't purchase anything with it. I asked how I could sort it out, because I didn't want anything negative on my credit reports. They answered it wasn't their problem, they wee following the policy after receiving a fraud alert on the card from the credit agency. Now I receive a letter stating that they are denying MY Fraud claim, because I purchased items with the card. I need to make very and absolutely clear, I did not file any fraud claim on this card and anything related with this card be expunged from my credit reports. If any credit agency has a fraud claim against this card from my part, I demand they come forward with it. I also demand Synchrony to show the claim they used to deny a claim I NEVER MADE. I want everything related to this XXXX card erased from all credit reports!!
Product: Debt collection

I keep getting cala from this Penn Credit debt collectors. They first called my husband. While he did not give them my info, they found me eventually. Whenever they call, they either hang up or when they do not, they INSIST on asking me for personal information before proceeding. I have not given any info ( since they ask for address and the like ). The worst is that while the agent on the other end does give a name ( the one that called me today around XXXX was called XXXX ), they just say it is a personal matter and I can not say anything more until you verify your address. The thing is that if Mr. XXXX was an actual debt collector hed be telling me first that this call is an attempt to collect a debt, and any information gathered today will be used for the sole purpose of collecting said debt. However, he does not give said disclaimer.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to delete this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated this thing in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly delete the following account : XXXX XXXX
Product: Credit card or prepaid card

Capital One continues to send credit card applications to my deceased mother ... they claim that they will cease this continuous mailing, but have NOT so far ...
Product: Vehicle loan or lease

I purchased a XXXX Kia XXXX XXXX, and it was paid off in XXXX oXXXX XXXX  Since then, I have not received the title. They stated they sent it to my old address. I have called them seven times in the last 3 months attempting to obtain a lien release, because we have moved states and Im unable to register my vehicle. I also requested a lien release through Kia Finance Americas online account, and its been saying in process for three months. I have been told every single time of the seven phone calls that the lien release will be mailed to me, and I still have not received it since calling the last 3 months. 

At this point, I will need to reach out to the attorney general or get an attorney involved. This is ridiculous for an almost XXXX car that I have paid off completely.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / CHEX SYSTEM : HAVE PROVIDED INACURATE INFORMATION ABOUT ME BEING ON A : LIST - OFAC SDN - US TRESUARY / RESERVE FOR TERRORIST AND DRUG DEALERS. THE INFORMATION PROVIDED TO ALLY BANK IS FALSE AS I HAVE VERIFIED WITH TRESUARY. MY CREDIT RECORD IS INPECABLE AND I DONT TRUST THIS COMPANY TO CONDUCT ANY BUSINESS WITH MY INFORMATION. US TRESUARY HAS AN ONLINE SEARCH TOOL, EASY ENOUGH TO VERIFY MY GOOD NAME. THE ACTIONS COMITED BY CHEX SYSTEMS INC. ARE FRADULENT. PLEASE BEAWARE THAT MY GOOD NAME WILL NOT BE TATRNISH. GET IT RIGHT OR GET OUT OF THE BUSINESS.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : PNC BANK, NA Account Number : XXXX Date : XX/XX/2014 Amount : {$1900.00}
Product: Checking or savings account

Hello, This is XXXX XXXX, account holder of Bank of America. Unfortunately, without any notification Bank of America closed my account, my credit card and debit card. It took almost two weeks to have access to my account and being able to use the said cards.
It looks easy, but It was not that much easy to re-open my account. At least, 4 or 5 times I went to bank of america.I spent about 90 min each time. At least 2 times I called Bank of America, I talked over phone about 30 minutes each time. I, as a XXXX XXXX and planning to get my XXXX here. I have a limited time. I do n't have any family here to borrow money from. I usually carry about {$50.00} in my pocket. Just put yourself in my shoes. How could I get gas, or buy food to eat, or pay for other stuff? How could I pay my rent? Has Bank of America ever imagined what would the consequence of its action? What if I was on vacation? How could I pay for taxi over there or buy food? Later, I figured out Bank of America need updated documents. I say fair enough, but If you need any updated documents, it is only and only your duty to ask for further documents. How can I find out Bank of America need a document, while the Bank never requested any documents? After re-opening my account, I thought the problem was solved. But I was wrong. Now, I am suffering from two more problems. First, my friend wants to send me money, about {$50.00}. It is not possible anymore. Again it is related to Bank of America. The second problem came up yesterday. It is more painful. I figured out my credit score dropped almost 100 points! why? Because Bank of America needed to update my documents, and but never asked for it by sending a text, an email or letter, or put a voicemail on my phone. Instead, Bank of America decided to close my account, my credit card, my debit card. As a consequence, my credit score dropped 88 points just because Bank of America never asked for a document. Let me explain more about the consequence of Bank of America 's action. I was planning to buy a car, due to my current credit score, it is not possible any more. My credit score was good, now it is not anymore. What should I do now? Do not you think Bank of America is responsible for its deed? I suffered XXXX from your acts too. Do you know how embarrassing is to be on shopping and there you find out that none of your cards are not working? I believe it is fair to compensate the damaged you caused. I expect Bank of America be responsible for what he did. I did complain over phone a few times, but never got ant feedback. Best,
Product: Checking or savings account

On XX/XX/XXXX, I opened a new account with Robinhood an online brokerage/high yield savings and checking account. Immediately after opening this account I had questions about where my money was being transferred to and held. It appears during the sign up process, I was under the impression it would be moved into the newly created Checking account, however it was instead moved into their brokerage account which was done on my behalf. After realizing I did this, I emailed their support team numerous times to clarify the transfer of funds. I did not get a response. The next day, I continued to reach out and have been doing so since, without a response from their team. I've emailed them numerous times and have attempted to call but got a voicemail recording that states to email customer support. 

I've reached out to the bank where the funds were being transferred from and they are unable to do anything because the transfer has already been initiated. 

I am at risk of losing a significant amount of money and have no recourse to understand where it is and how to get it back. I am seeking your assistance to rectify this situation and return my funds back to my original account.