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

XXXX XXXXXXXX XXXX inaccurate information showing late payments on all ( 3 ) credit bureaus XXXX is showing on my credit report XX/XX/2018, XX/XX/2018 and XX/XX/2018 Experian is showing on my credit report XX/XX/2018, XX/XX/2018 and XX/XX/2018. 

I've called several times to XXXX XXXXXXXX XXXX  speak with someone to get it removed and no help at all. I've written them a certified letter requesting the on going investigation and also requested a copy of my payment history for the year of 2018 which they will not provide me. 

Also, Experian is showing on their credit report that this account is closed. I never closed this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter to Trans-union notifying them that XXXX XXXX had made an error on my credit with the closed card ending XXXX. As they had incorrectly reported late payments and a charge off on my credit. They said they would re-investigate, upon re-investigation Trans-union claimed that the company verified the information was correct which according to XXXX XXXX in their response was not so. Instead XXXX XXXX stated that they have repeatedly asked Trans-union to remove the negative information and they have ignored them. This leads to my complaint. If the company that reported the information is telling the CRA that the information is incorrect! and the client is also telling the CRA the same, why wont the CRA remove the information?! I have repeatedly informed Trans-union how their furnishing of this adverse information has impacted me and caused me to be paying substantially high interest rate on credit cards and even being denied credit. Trans-union does not care! I sent another letter again on XXXXXX/XX/2019. Finally on XX/XX/XXXX, after being denied one final time by a creditor I decided to take the final step by sending the response of XXXX XXXX through the CFPB and XXXX, which clearly states Trans-union needs to delete the information ; and Trans-union is now telling me that they need to verify my identity. Why? I have sent multiple copies of my Social and Drivers License to verify my identity, however they have decided to take this unethical tactic because they  do not want to fix the problem. Hopefully by making this complaint through your agency ( CFPB ) Trans-union will actually listen for once and do what the creditor and client has requested to do for the last 6 months!
Product: Credit reporting, credit repair services, or other personal consumer reports

For some reason, one of my active accounts is no longer showing on my report, which affects my credit score. XXXX XXXX with a credit limit of {$5000.00} is only showing on XXXX. Please put it back on Equifax
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED CREDIT INQUIRIES ON MY CONSUMER REPORT, PLEASE REMOVE IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Days ago, I went and bought a gift card at XXXX store ( XXXX XXXX XXXXXXXX XXXX DC, see the exhibit ). I have been doing it for decades. But, It could not work to pay for my email purchase at XXXX. I did try several times and then I realized that when I did back up it was registering a different number ( changed the last 5 numbers ) but kept the typed expiration date and security code. Then I did access the company website ( www.vanillagift.com ) but there everything was good, the balance was {$100.00}. So I went back to the same store, the consumer service staff checked and told me she was not allowed to proceed for the trade her manager will be there in the morning to do it. So she did stapled my receipt with my card. Next day, I came back in the morning but the young man at the customer service said who told me that the manager will be there he just talked to him or her the manager will be there in the afternoon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion,, XXXX Remove and Delete I call and show proof This is a request to remove the following inquiries that were made without my expressed permission. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries according to the FCRA were not made due to a firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. 

Under the FCRA, the burden of proof lies on XXXX you are the one allowing fraudulent information to report on my credit report. 
I have included my contact information and proof of my identity. 

Thank you for following the ethical standards set by the FCRA and removing these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ny XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. I am a victim of a data breach, and as a result, these accounts and inquiries were fraudulently opened in my name. I am requesting that they be removed in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Accounts to be Blocked and Deleted : 1. XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Amount : {$1600.00} 2. XXXX  XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Amount : {$1100.00} 3. XXXX  XXXX XXXX  Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Amount : {$0.00} 4. XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Amount : {$0.00} 5. XXXX  XXXX Bankruptcy XXXX  Case Number : XXXX XXXX  Date Filed : XX/XX/XXXX XXXX  Amount : {$0.00} Inquiries to be Blocked and Deleted : 1. XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX 2. XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX 3. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. 
My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Please delete all information in the employer section. Pursuant to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send and updated credit report once the changes are complete to my contact information listed : My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Sincerely XXXX XXXX
Product: Credit card or prepaid card

Citi XXXX credit card. 

Dispute XXXX I purchased a plane ticket through XXXX to go to the XXXX on XX/XX/2022 the flight was supposed to be for the month of XX/XX/2022. 

Due to the quarantine protocols in the XXXX which requires to stay in a facility for at least 5 days for all international travelers, I have to cancel the flight and the ticket as I have XXXX XXXX medicines that requires refrigeration and was afraid the quarantine facilities do not have refrigerators inside the rooms. 

I called XXXX to cancel the flight immediately but can't contact them, so I called citi XXXX card customer service to cancel the flight on my behalf and was told by customer service they would. 

Then I saw on the citi card mobile app that the charge was reversed the amount of {$3800.00} During this time the quarantine protocol in the XXXX changed and staying in a quarantine facility is no longer needed, so it was safe for me to fly and go straight home to my elderly parents house who I haven't seen in 3 years. 

I booked another flight since my previous flight was already cancelled by citi XXXX and stayed in the XXXX for XXXX weeks. 

I just got back to the XXXX on XX/XX/XXXX, and saw the charge was put back to my account again. 

Also, that I have till XX/XX/XXXX to respond to the dispute, but I lived in a remote area in the XXXX where internet connection were choppy at best so I wasn't able to see the message that was telling me about the charge of {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I got scammed by XXXX XXXX XXXX, they used the co-signer scam on me and took advantage of my naive position as an immigrant that doesn't know anything about how things work and the fact that I had good credit and they just wanted to sell a car no matter what. They made the co-signer scam by telling the person I was just accompanying that he didn't qualify on his own for financing and said that since I had a relationship with him they suggested me to co-sign for him, they lied to me assuring me that In was only signing as a reference to help him be able to get a loan and have the car with better interest and better price. But this is of course FALSE!, this was repeated by another finance manager when I tried to XXXX the car, she said they ( XXXX XXXX ) couldn't get to me for money because he was the principal not me, it was until months after that I realized of the scam and lies, when the lender ( XXXX XXXX ) called me to explain I was equally responsible for paying the debt. The debt on the loan is now {$22000.00} with {$2200.00} in late payments. 

I accompanied my boyfriend and roommate at the time XXXX XXXX XXXX, to buy a car at XXXX XXXX XXXX. I just went with him as a company but when he applied the finance manager told him that he didn't qualify and that he needed a co-signer, they asked about what was our relationship and proceeded to tell me I could co-sign for him and that I was only signing as a reference to help, no one explained to me what co-signing meant and I am an immigrant and I do not know anything about that. No body told me I was going to be responsible for paying if we didn't and that I had to rights to the car. Once I realized XXXX XXXX XXXX was a con artist I tried to take the car back to the dealership, only to be told by XXXX XXXX another financial manager at that dealership that they could not come to me for money because he was the principal and I now know that is not true, she lied to me. I lend him the down payment money which he paid in full to gain my trust, he said he would pay the car once he got the inheritance money from his mother 's death and that was all a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Membership # XXXX I did not sign up for no credit Membership with Experian.
Product: Checking or savings account

On XX/XX/2021 there was a cash amount of {$100.00} by XXXX deducted from my debit card. I have tried calling them several times. Reply was leave a message after the beep. I called my card at Direct Express and started a dispute on XX/XX/XXXX On XX/XX/XXXX I recieved a document from the bank stating they have determined that no error occured.They said if I wish to continue the pursuit of this claim to seek reimbursement directly from merchant. On XXXX XXXX a cash amount of {$120.00} was deducted by XXXX XXXX XXXX I tried calling them several times. Reply was leave a message after the beep. I reported these both to my bank on XXXX XXXX.I recieved a dismissal for both disputes on paper by mail. No explination other than merchannt involved ( plural ) provided documentation that indicates transactions were conductrd with my authorization.I have never heard of or have i ever done any business with either merchant ever. The bank originally put the monies back on my card in XXXX to then subtract the monies in XXXX. On XXXX XXXX I ordered a bottle of XXXX, buy one get the second bottle free which had a money back garuntee included. The only reason i ordered them was because of the garuntee. I called the number provided and ordered and paid for one bottle for the amount of $ XXXXThe following month im looking at my transaction history and there is a charge of {$110.00} from them. I called and told them about the charge and they said i didnt cancel my subscription. This was the first time the word subscription had ever been used. I ordered over the phone. There was never anything about a subscription. I also told them i was unhappy with thier product. There garuntee was that i would loose weight and i had not lost any. The relunctantly reversed half the amount back to my card. I then called the bank and disputed the other half on XX/XX/XXXX. The bank denied the claim saying there was no wrong doing and to go after the merchant if i wanted to proceed.It was denied in writting by mail XXXX XXXX. The merchant should be also reverse the original charge of {$59.00} for satisfaction garuntee. Ive been a customer of Direct Express for over 15 years and made many disputes in the past for them to be denied. This is the first time Ive gotten online to see what rights I have. The bank will not listen to any of the information i had gathered after the denial. I dont even have a drivers liscense but yet they are saying i rented a car. Also the rental of a cabin and a car but niether merchant required any deposit or hold for there property. Its apparent it was not me. i have records from the bank proving i was in my hometown. Please help.
Product: Mortgage

I am trying to short sale my home. The XXXX lien holder has been on task with getting the short sale paperwork processed in a timely manner.The XXXX lien holder is not cooperating with me at all. I have submitted over XXXX documents to the XXXX lien holder and my account is not in short sale status yet. I get hung up on often, I get transferred continually and never have been given the liberty to speak with a manager that I have requested to speak with on several occasions. I have written a letter with all the details. I am now receiving collections calls from the second lien holder and being told that as far as they know I am not in short sale status. I was assigned to a short sale representative and he closed my file for no apparent reason. After the last disconnected telephone call on XX/XX/2016 with a representative, I felt compelled to get some federal assistance since I am being denied a federal program assistance ( HAAP ). You will find FAX LOG sheet that verify I have the documents requested was in fact received by the second lien holder on XXXX XXXX and XXXX XXXX 2016.
Product: Money transfer, virtual currency, or money service

I transferred {$400.00} from my bank account into my PayPal account. I then transferred that {$400.00} from my PayPal account to my wife 's PayPal account. But my wife was not able to transfer the {$400.00} from her PayPal account to her bank account because the money was labeled " pending ''. After a number of days the money was still " pending '', so my wife tried texting, emailing, and calling PayPal to straighten the problem out. She could never get in touch with anyone, and all of her texts and emails remained unanswered after a week. 

At this point she exercised a " refund '' option on the {$400.00} which would return the money to my PayPal account. PayPal responded to this action by withdrawing {$400.00} from her bank account, even though the money had never been deposited into her account in the first place. 

The PayPal website is purposefully confusing and obfuscates information needed to understand transactions and validate the accuracy of the transactions. With no customer service options available we can do nothing but wait and hope that after a number of weeks or perhaps months the problem will be resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Student loan

I was attending XXXX University when they lost their accreditation. They were granted accreditation for one additional semester in order for any students who could graduate to be able to do so. Since I would not be graduating during that semester I was not allowed to enroll in any class that final semester. I still have the email from the school stating I was not allowed to register that semester. Due to this fact I was no longer a student 129 days before the closure date. Just 9 days shy of the 120 day cutoff. I have written letters to Navient, the US Senators, and the president. US Senator XXXX was working on this case for me but Navient just kept saying they would not forgive my loans. In the beginning they kept letting me defer the loans and never offered me a lower payment. Finally I was able to get my payment lowered to XXXX/month. I paid for a full year and now they have increased my payment to XXXX per month! I currently still owe XXXX for a degree I was never able to finish. I could not transfer my credits to another school because there is not a school within a two hour radius that offers the same program. The most recent letter I have from the WV Higher Education Policy Commission states that I need to petition the secretary of education to have the period extended past 120 days. However, the letter also states that there is no written procedure on how to petition the secretary of education. I sent the email from the school about not being able to attend that XXXX semester to the senators. Senator XXXX stated the appropriate officials were aware of my case but I never heard anything further from him. Senator XXXX also sent me a letter on the same date stating he added the letter to my file, but I also heard any further. That was in XX/XX/2014. Both WV US Senators were trying to fix this for me and the issue still has never been resolved. Navient will not allow me to lower my payment or extend the length of term for when the payments are due. Is there any way that you could look at my case and assist me? I would be more than happy to fax you everything I have. Thank you for your consideration. XXXX, previously 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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Received a pre-paid credit card in the mail for which I did not apply for. Attempted to contact the company netspend.com via phone and was unable to reach a person. The organization phone service is automated and requires sensitive financial information including activating the card to proceed. Then emailed XXXX and received a phone message indicating communication must be scheduled and by phone only. I have never used a prepaid credit card in my life and my credit reports, etc. have been locked for an extended period of time. I have demanded written email communication only.. So far nothing. 

I then tested the organizations online application form to determine how the process for pre-paid cards works and determined that the online application form in non-functional. 

Therefore, it appears that the NetSpend organization generated the pre-paid card WITHOUT my authorization- I believe this to be fraud as defined under the " Truth in Lending Act '' ( 12 C.F.R. 226.12 ). I have all documentation mentioned.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting an incorrect address that does not belong to me and has never belonged to me. They are also reporting an incorrect place of employment that I have never been employed by. I do not reside or do business at XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I have never worked for XXXX XXXXXXXX. They are furnishing this information without my consent which goes against my rights according to the FDCPA. According to the FDCPA I'm entitled to XXXX XXXX Dollars per violation and they are violating my rights twice.
Product: Checking or savings account

We spoke multiple times with Navy Federal that we could not see our transactions online, and they couldn't fix the issue but only stated we have reached the max transactions to view online. When we asked what the number was, they were considered max, and they could not provide it.