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

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error - ( 4 ) The creditors failure to reflect properly on a statement a payment made by obligor or a credit issued to the obligor
Product: Prepaid card

US Bank gift card sold at bank for flat purchase fee of {$3.00} ; buyer assured no additional fees for use ... terms and conditions claim " no user fees, " no hidden fees '' no other fees for transactional use of the gift card- '' accepted wherever VISA accepted ''. Card purchased at bank & cash loaded plus {$3.00}. 
After card gifted, user tried to buy food at a bakery, then grocery store. Receipts reflected one cost ... but additional fees added on NOT by merchants but by USBank card & were not disclosed.This pattern repeated until card denied by merchant as " not sufficient funds available '' THEN card holder called card and found XXXX % of each purchase added on by card and held for up to 30 days without disclosure to card holder or merchant. SCAM.EMBARASSMENT FOR XXXX WHO ACCEPTED THIS GIFT FROM RELATIVE..card funds were skimmed from card and withheld from card holder ... different amounts for different types of transactions held different periods.
Product: Student loan

When it was time to repay my loans back in 2022 I was not in a position to do so because I was unemployed. I communicated and pleaded with the servicing company about my dilemma. I was in constant communication that I was seeking out employment but not able to secure anything fast enough. Due to the harassing calls day/night I had no choice but to make sure they knew I was doing everything I could to find a job to begin paying the loans back. The only options that were available were XXXX XXXX monthly payments which I couldn't afford due to unemployment. Even with employment it was a stretch of anyone 's imagination. I was constantly being handled and threatened about further collections if I didn't pay by this last rep we were dealing with. My mother was even willing to help but not at {$900.00} a month. The last representative that I gave permission for my mother to speak with wasn't trying to help us at all. She was cold and had no compassion to help me. She even asked how was I able to get the loans in the first place. I found that to be very offensive considering she wasn't the underwriter or lender. I even lost my dad around the time the loans were transferred and have been suffering with grief, XXXX and XXXX because of all this. The loans have now been transferred to an attorney 's office, XXXX XXXX XXXX XXXX No loan modification was offered knowing that I had no income and my mom was willing to help pay a reasonable amount until I was able to get on my feet. This has been the fight of my life. I pray no one has to go through what I have experienced and hopefully none of the reps would have to be on the other side of the phone for their loved ones going through this.
Product: Student loan

I contacted MOHELA about my pending SAVE applications from XXXX, prior to the injunction. I contacted them the first time on on XX/XX/year> and they informed me that interest would still accrue while I was on the SAVE forbearance. While I was told otherwise, I contacted them again after receiving a letter saying that INTEREST WILL NOT ACCRUE during this period from MOHELA on XX/XX/year>. They have provided inconsistent advice when I have called them and messaged them and yet interest has been accruing on my account for months. They are actively trying to inhibit me from servicing my student loans.
Product: Money transfer, virtual currency, or money service

Copper abruptly closed all accounts and drained the money. There is now no way to access what was in my checking and savings accounts. 
Coppers Release statement stated all money would be returned in the mail. 
Money has not been returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several notices over the past year or two to the XXXX main credit bureaus ( EXPERIAN, XXXX, AND XXXX ) to dispute information on my report that should not be on there as well as advise them that they are in violation of many federal laws with the way they have been handling my credit profile. 

First of all, i have not given these companies any authorization to utilize or distribute my personal identification documents or authentication features. It is a violation to obtain my personal data and report information attached to said documents without my consent. 

There have been multiple inaccuracies across all three bureaus on most of the accounts they are reporting on. From account opening/closing dates, balance amounts, status of the account, payments made.. etc. Neither company has consistent information reporting and i requested that they validate all the information and authenticity of the accounts that they are reporting on. But they have not supplied any detailed information about whats going or the source of their information. These accounts need to be removed from my report immediately since they are not doing their due diligence to validate and certify that the information they are reporting on is true. 

They have also allowed fraudulent collection agencies to report on my account as well and refused to properly verify and validate the information being reported. 
Its seems like any company can just obtain my social security number and name, pay them some money, and they can start reporting on my account even though no debt is owed to them and i have no knowledge of said company or any agreement with them. 
This is a violation and is fraudulent. 

The inaccuracies of these reports have caused a lot of damages to me mentally and physically and limit my ability to prosper in life. 
As a consumer, i have rights and protections under the law and these companies need to be held accountable for the many violations they are committing. 

I want these issues looked into and handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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: Mortgage

I was repeatedly wrongfully denied a mortgage modification with the only answer being that the investor would not approve the modification. On or about XX/XX/XXXX, I submitted a modification request which was denied by the investor on or about XX/XX/XXXX without a substantive explanation. I requested the investor information but was never provided with the same. On or about XX/XX/XXXX, my request was allegedly reactivated for assistance review but denied on or about XX/XX/XXXX, again by the investor without a substantive explanation. I again requested the investor 's information but was never provided with the same. On or about XX/XX/XXXX, my account was allegedly reactivated for payment assistance options, and a letter of said date mentioning a short-sale option. On or about XX/XX/XXXX, a modification was again denied without any substantive explanation. On or about XX/XX/XXXX, my account was allegedly reactivated for mediation review. Contrary to Wells Fargo 's contentions dated XX/XX/XXXX ( an alleged review that will be provided ), I have always been available by phone and responded to letters. Due to repeated unexplained modification denials and Wells Fargo 's push for a short-sale in lieu of foreclosure, on or about XX/XX/XXXX, I submitted a short-sale request. On or about XX/XX/XXXX, I reinstated my request for a modification but did not receive a response. On or about XX/XX/XXXX but received a denial on or about XX/XX/XXXX alleging an NPV valuation which likely occurred due to Wells Fargo 's more than 7 years of wrongful denials. On or about XX/XX/XXXX, I appealed the denial. I again requested a modification. Without explanation, on or about XX/XX/XXXX my file was removed from review. On or about XX/XX/XXXX, my account was again in review for a short-sale. On or about XX/XX/XXXX, my file was removed from review. On or about XX/XX/XXXX my account was activated for short-sale review ; on or about XX/XX/XXXX a short-sale was conditionally approved ; on XX/XX/XXXX the short-sale was consummated. Notwithstanding Wells Fargo 's recent review of the aforementioned denials, they have failed to provide a single credible explanation for any of the denial was never given ; my repeated requests to speak with the investor was never granted ; my repeated requests for a payment assistance option to maintain ownership of the premises via a modification which I was repeatedly wrongfully and improperly denied without any tenable explanation. As a result, I am hereby requesting a monetary mediation settlement which fairly compensates me for the undue loss of the premises due to Wells Fargo 's wrongful denials.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiry XXXX XX/XX/2023 was not authorize by me.
Product: Checking or savings account

Victim of identity theft banks opened in my name loans taken out been reported to XXXX and XXXX XXXX no bank will bank with me they just say we choose not to do business with you I ask why they dont tell me
Product: Student loan

They are reporting the same account on the credit 3 times making it appear as if there are XXXX seperate loans
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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: Credit reporting or other personal consumer reports

I am writing to formally request the removal of incorrect information from my credit reports with the three major credit bureaus : Experian, XXXX, and XXXX. Despite numerous disputes regarding this matter, the inaccuracies remain unresolved. 

Specifically, the issue pertains to my XXXX XXXX account ending in XXXX. I have recently received a letter from XXXX XXXX dated XX/XX/XXXX, which acknowledges the errors in the reported information. The letter explicitly states that the Account Status, Account Description, Date of Last Activity, Date of Last Payment, and Term Length were inaccurately reported, and it requests that the Consumer Reporting Agencies ( CRAs ) remove the incorrect information immediately. 

The details that need to be corrected are as follows : Account Status : Correctly Settled Account Description : Not Reported Date of Last Activity : Not Reported Date of Last Payment : XX/XX/XXXX Term Length : Not Reported Given this clear directive from Capital XXXX, I am requesting that the CFPB intervene to ensure the CRAs comply with this correction without further delay. The continued presence of this incorrect information on my credit reports is causing significant harm to my financial standing and personal well-being. 

If this matter is not resolved promptly, I will have no choice but to pursue further action to enforce compliance with the Fair Credit Reporting Act ( FCRA ). Such action may include seeking damages for the continued violation of my rights under the FCRA. 

Enclosed, please find a copy of the letter from XXXX XXXX for your reference. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - XXXXXXXX XXXX  XXXX - XXXX XXXX  XXXX XXXX XXXXXX/XX/year> XXXX XXXX, XXXX, and Equifax have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 data is inaccurate.
Product: Debt collection

Credit Acceptance Corp sold me a used defected vehicle that had mechanical issues without providing me with accident or damage reports which is considered a Lemon according to Lemon Law. The vehicle transmission failed and was not drivable a few months after I purchased the vehicle and I also have an active lawsuit against Credit Acceptance Corp. They are re-aging the debt on my credit report and still attempting to collect debt and they updated the account as current on my credit report then flagged it as 150 days past due and send mail to my current address that they had no knowledge of.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX Credit Card. I was never Informed that my credit would be checked and XXXX provided all my personal information to XXXX. Suddenly, I received a letter from XXXX, and on the same day I received an active Visa Debit card from Credit Karma Money. I called XXXX bank explained that I did not apply for a Visa Debit Card from Credit Karma Money. Was told this card did not come from XXXX and in 5-7 business days I would receive the XXXX Credit Card . I asked why did I receive a debit card I did not request. I asked XXXX does XXXX sell my personal I formation? The representative did not know. I told her that running my credit check with XXXX was the only way they would have my full name, address to issue me a debit card. The representative said XXXX doesnt sell personal information, but to call credit karma. I called them and the wanted my date of birth, social security, phone number and more. I refused to share my information. I asked the representative to unsubscribe me from receiving further information. Her replied said unfortunately if you do not provide me with more information I can not unsubscribe. That assured me that Credit Karma debit Visa card is a scam. Customer service XXXX. Please check this company and above all warn others. Thank you so much for all your support.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, TRANSUNION, and XXXX concerning their handling of a fraudulent account listed on my credit report. Despite my diligent efforts to resolve this issue through appropriate channels, including providing substantial documentary evidence, the bureau has failed to remove the fraudulent account. 



On XX/XX/year>, I discovered an unrecognized account on my credit report, which I immediately reported to XXXX, TRANSUNION, and XXXX as fraudulent. Following the recommended procedure, I provided a police report, an FTC Identity Theft Report, and sent letters of dispute along with copies of my identification to ensure thorough verification. 



Regrettably, my efforts to rectify this issue have been met with inadequate responses from the credit bureau. Specifically, after their investigation, they informed me that the data furnisher had verified that the account belongs to me. However, no proof or detailed explanation has been provided to substantiate this claim, which directly contradicts the evidence I have submitted indicating identity theft. 



The presence of this fraudulent account has adversely affected my credit score and has potentially far-reaching implications for my financial health. It is imperative that this matter be resolved promptly and fairly, ensuring that all inaccuracies are corrected in accordance with the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I initiated a transfer using Xoom a XXXX service, of {$5000.00} ( usd ) from my XXXX XXXX account to my XXXX account at XXXX  XXXX XXXX. I am a XXXX citizen and have made similar transactions in the past successfully and without incident. The money never arrived notwithstanding that on XX/XX/XXXX Xoom withdrew the money from my XXXX XXXX account. XXXX  XXXX  XXXX XXXX insists they received no such transfer and there have been no deposits to that account in weeks. I have complained to Xoom in writing daily now for 7 days. They have called me twice and basically tell me its not their problem. So from my point of view they have stolen $ XXXX from my account and I have no recourse. I should add I used their app to make this transfer request. The app allows you to resend money to an international account that you have already used without re entering the prior information. So if this transfer got corrupted, it was corrupted by their technology. I have sent documents Xoom has requested. But their response is a complete abdication of any responsibility which calls into question how they can be legally allowed to offer this service. I am at a loss as to what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 3 letters to the credit bureaus : Equifax, XXXX  and XXXX bur they don't update the informations on my credit report, and don't remove things that I already paid.
Product: Credit card

XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX XXXX/Never late XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX opened XX/XX/XXXX Status XXXX through Bankruptcy XXXX XXXX/Never late. 

XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have constantly disputed to Transunion the following inquiries on my credit report that were not authorized by me. The following inquiries were not authorized and I have sent Transunion a FTC Idenity Theft Avadavit to support my idenity being breached. 
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/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 I HAVE NEVER GAVE THESE COMPANIES ANY AUTHORIZATION TO PULL MY CREDIT AND WOULD LIKE TO HAVE THESE INQUIRIES REMOVED IMMEDIATELY. FOR THIS IS PUTTING A HARDSHIP ON MY FINANCIAL OUTLOOK ...
Product: Bank account or service

My bank account was closed without notice by Wells Fargo for no apparent reason. The account was paperless, which saves Wells Fargo money on printing and postage. Wells Fargo is now trying to charge me XXXX dollars for each of the XXXX check images associated with this account, which I need to access for tax purposes. I 'm all for switching to electronic record keeping, but Wells Fargo has used this as a way to extort money from consumers. I 'm perfectly willing to pay some reasonable fee to get access to these files, but a total cost of over {$1900.00} to access my own information seems completely unreasonable. The Wells Fargo help line referred me to my local branch. I have tried to work with local bank representative XXXX XXXX to come up with some reasonable solution to this problem, but she has been adamant that Wells Fargo has a right to charge these exorbitant fees. 
I am perfectly willing to pay some reasonable fee -- say a few hundred dollars, but I am not about to pay {$1900.00} to access an electronic file. If they do n't want to give me access to the electronic file, they can use the old system and send me the paper checks. 
XXXX XXXX can be reached at XXXX.
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 XXXX XXXX Number : XXXX and 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: Credit card

Was offered {$200.00} credit after spending {$500.00} in 3 months which I did plus other benefits. Refused to pay offered benefits. On XX/XX/2023, I wrote after sending several previous letters. Company still refused to pay the card benefits.