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. 

HARD INQUIRIES Account name : XXXX XXXX : XX/XX/XXXX Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XX/XX/XXXXDATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name XXXXXX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name :XX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX-DATE : XX/XX/XXXX Account name : XX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX These accounts reported by TransUnion XXXX and 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, states a consumer reporting agency can not furnish an account without my written instruction.

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 and crimes which antedates the report by 7 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. 

COLLECTIONS Account name :XX/XX/XXXXXXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX Account name : XXXX XXXX -DATE : XX/XX/XXXX These accounts reported by TransUnion XXXX and 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, states a consumer reporting agency can not furnish an account without my written instruction.

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 and crimes which antedates the report by 7 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: Debt collection

Letters requesting validation were sent on XX/XX/XXXX and XX/XX/XXXX No responses were received
Product: Prepaid card

i purchased the gift card on XX/XX/2023 at XXXX. the card was for the amount of {$220.00} with a purchasing fee of {$5.00}. I did not attempt to use the card until XX/XX/2023 and that is when it was declined so i logged onto the website and realized the entire amount had been used. i did not authorize this purchase nor have any idea what is was for. the card issuing company has been completely un helpful in the situation and keeps transferring me to useless departments.
Product: Debt collection

Since XX/XX/XXXX I have been calling Transworld systems Inc to have a debt of {$4300.00} removed from my credit due to an eviction. I have never lived in the apartments that forwarded this debt. Transworld requested documents from the apartment via email and have not received anything. A representative stated in XX/XX/XXXX they reached out to the XXXX landing apartments and have not heard back regarding the requested information. I called again on XX/XX/XXXX, was told the same thing again : we have submitted a request to the company and still waiting for a response. 6 months and this has not been removed or answered. I cant even get a home for my XXXX kids and I because this is on my credit. Please ask them to stop stalling and remove this from my credit since the original owner of the debt has not sent requested documents in over 90 days!!!
Product: Mortgage

Case # XXXX. After reviewing B of A partial response, I refute it. Loan ending XXXX - B of A ca n't forgive this loan, because they do n't have a legal claim, as evidenced by bankruptcy ct. ( please see submitted evidence ). After reviewing my Experience credit report, I discovered B of a erroneously reported the following late payments for loan ending XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. I can provide payment and posting dates to refute this. Also, I discovered that they reported late payments for # XXXX for XXXX - XXXX XXXX - XXXX, XXXX, XXXX, XXXX. When B of a extinguished this loan in XX/XX/XXXX, I stopped making payments after talking speaking to a bank rep in XX/XX/XXXX. I spoke with their home team, equity loan, bankruptcy dept., and local branch. None of them ever refuted said extinguishment. Curiously, I did n't make payments on defunct loan # XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and never heard a peep from them. Clearly, B of A is guilty of malfeasance in regard to this loan, and have completely destroyed my credit. I own XXXX properties with mortgages all paid continuously and timely through 5 years of bankruptcy or I would n't own them now! I would expect this sort of chicanery from a loan servicer. From my perspective the only thing B of A is committed to is committing fraud on the consumer. Once again I maintain that if my e-mails server and that of my former attorney, XXXX XXXX, were sub-poened from the time frame previously indicated, that I would be completely vindicated in my claim. B of A responded by claiming I did n't cooperate by not sending them a copy of the extinguishment. That 's insane thing to ask of your customer, what happened, they lost it?
Product: Credit card or prepaid card

I signed up for the Capital One Quiksilver card due to a promotional advertisement for a 0 % interest on purchases for 12 months. They deceptively do not put the expiration date on the promotional rate on any monthly statement. I therefore called to ask when it expired and was informed by a representative the date was XX/XX/23. I paid the balance in full on XX/XX/23. Subsequently I have been charged interest from XXXX because the representative I called after seeing assessed interest charges said that the promo rate expired on XXXX. I asked for the {$15.00} in interest charge to be waived and she said they would not do that. Feel duped and very disappointed in the customer service and also in the deceptive marketing, practice, and lack of transparency on when the promo rate expires.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureaus on XX/XX/XXXX, disputing 3 errors on my credit report. THey were supposed to investigate and respond by early XXXX, but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 
XXXX GA, XXXX TRANSUNION TRANSUNION, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Social Security Number : XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that [ US DEPT ED XXXX ] has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 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 Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), 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 My contact information is as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 
XXXX GA, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERES ALSO ADDRESS AND ACCOUNTS LIST ACCOUNTS BELOW XXXX XXXX. US DEPT OF EDUCATION 3.

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ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Product: Vehicle loan or lease

There was a major hurricane in my area and I had to leave because of no power. I spent money getting a hotel and paying for food. This caused my car payment to be 36 days late. I called Carmax and explained why my payment was late and the person told me that due to the nature of the payment being late and this was beyond my control, it wouldnt be reported to the bureau as late as long as I paid when I made the payment arrangement.
Product: Credit card or prepaid card

I have a credit card with XXXX XXXX XXXX through XXXX. The card account was transferred to Comenity Bank without my knowledge or permission. They said they sent a letter to my address but I did not receive it. They sent an email today saying I needed to activate a credit card - which I did not request - and that was the first I knew that this happened. I can no longer access the account through XXXX XXXX XXXX the online access says they do not recognize the account. The card issued by Comenity is being used but not by me as there was a transaction on the card in XX/XX/2022. When I requested a physical address from Comenity to send a certified, return receipt requested letter, they refused to give me a physical address. They said they only have a XXXX XXXX XXXX
Product: Debt collection

The collector name is ERC. XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. I called their number and spoke to XXXX at XXXX and she said after trying to verify me by telling me the debt was incurred by someone living at an address that did not match mine where the attached dunning bill was sent, that I should file a police report of fraud which is what I am doing I think. Then go to XXXX to let them know this debt is not mine. Hope that is what I should be doing. 
I have a XXXX phone but it is in the name of my company and XXXX says we are totally up to date for payments. I have not had a personal XXXX account since XXXX and this supposedly was incurred in XXXX according to XXXX at ERC.
Product: Student loan

I've had student loans with XXXX since the early XX/XX/XXXX. I was paying on an online system through XXXX, then XXXX, then Conduent. I am not on special payment plan and have never consolidated my private loan or signed any new terms ; I started paying interest plus principle on it the moment it was due, and have been paying regularly and without fail for 10 years. 

On Friday, XX/XX/XXXX, I went to the conduent website ( here : https : //www.conduenteducation.com/XXXX ) to send money to my private loan. I saw the payment go through and received an email verification. On Saturday, XX/XX/XXXX. I went in to my account to pull my student interest payment statement to do my taxes. At that time, my private loan was gone. It was no longer listed at all, and I could find no indication that it ever existed. ( I have pdfs of both days, which I have attached below ). 

Let me state that again -- in a matter of 24 hours, my XXXX loan being serviced by Conduent that I have regularly paid each month for over ten years through the same service has disappeared from my queue and has evaporated from my account. It is GONE. 

There was no email and no follow-up -- it just appears my loan is now invisible/inaccessible to me. ( Maybe it has been sold to a new entity? ) Either way, this is unacceptable. I now have no idea how to pay this loan -- where do I send it, and to who?
Product: Credit card

Someone Fraudulently Opened a MAcys Account in my name. account was opened on XX/XX/2017 with a balance of {$730.00}
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry on XX/XX/year> from Equifax XXXX XXXXXXXX
Product: Mortgage

I have been submitting complete packet after packet and they keep denying me. I had XXXX XXXX in XXXX and had it removed. This is my only home we have 3 more years until my my last XXXX children graduate from high school we work all the time and just want to pay our mortgage. In XXXX we were unfairly targeted by a new IRS Agent who had our taxes that were filed by an enrolled agent we just didn't make enough money with XXXX young kids that were only 16 months apart. She put an Levy of {$180000.00} on all 4 of our jobs, bank account we could not even buy food. We were forced to file bankruptcy to get the amount fixed. Our income that year was only {$40000.00} for a family of XXXX. 

As of the past two months my income has increased by a goo amount since the last modification packet in XXXX that I was denied. I just got off the phone with SPS and she said they can not look at another packet for me because the Sale date is in a week told me to file BK or sue. I have done over 28 modification myself and spend countless hours this is not helping my health and they would rather fight us in eviction court than allow me to try to become current in the coming years. It will cost the bank more to remove us as I have NO where to move my family and dogs and have another XXXX on XX/XX/XXXX to remove XXXXXXXX XXXX and my XXXX. XXXX XXXX wants to kick families out and put the cost on all the consumers instead of trying to help people willing to pay for their homes. Select Portfolio is the worst company
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Student loan

I received a XXXX XXXX  private loan in XXXX to attend XXXX University. The original loan balance was {$18000.00}. My cost to attend XXXX was {$12000.00}. The loan was paid directly to me by check and was for more than the cost of my attendance. I filed XXXX  XXXX bankruptcy in XXXX of XXXX and completed the plan successfully with a XXXX  in XXXX of XXXX. Navient sent me a letter in XXXX of XXXX stating that my private loan was now in repayment. I contacted a lawyer who sent my bankruptcy information to Navient as a certified letter. Navient received this information but still advises that my loan is in repayment. Upon calling Navient, several representatives have stated to me that private loans can not be XXXX in bankruptcy, which is false. CFPB 's Private Education Loan XXXX  XXXX XXXX XXXX authored an article on the CFPB 's website titled, " Busting myths about bankruptcy and private student loans '' which illustrates that private student loans can be XXXX and are not subject to the adversary proceeding other types of loans require. My loan was for more than the cost of my attendance and was paid directly to me which are both conditions he calls out as a conditions for a private loan that would be XXXX in bankruptcy. Both Navient and XXXX were notified when I filed bankruptcy and had an opportunity to object to the debtor 's plan. Neither company did so and Navient even filed a claim for my federal student loans it serviced at that time. The debtor 's plan was confirmed by XXXX XXXX XXXX XXXX on XX/XX/XXXX. I successfully made my plan payments and received a XXXX  on XX/XX/XXXX. I have attempted to reach several levels inside of Navient to reach a resolution and each level has restated that the loan is repayment with no other options. I have attached the confirmed bankruptcy plan, a claim Navient filed for my federal student loans, and the order granting a discharge.
Product: Checking or savings account

I use XXXX XXXXvand have a Wells Fargo account and Wells Fargo is n't sending updated transactions to XXXX XXXX and it 's keeping me from accessing the money.
Product: Checking or savings account

Between XX/XX/2023 XX/XX/2023 money has been taken from my checking account fraudulently via on-line orders with my debit card for TD Bank. Many many dates, times, amounts, places, in the XXXX and other countries. The XXXX has labeled bank statements for every fraudulent transactions as well as denial letters from TD bank to return my money the XXXX also has copies of XXXX data breachs resulting in the release of all my personal information, XXXX breach happened XX/XX/2023 and the other taking place in XX/XX/2023, i was informed by letter from both companies in the month of XX/XX/2023. Whom ever is responsible also depleted my XXXX XXXX SSDI payment for the month of XX/XX/2023. As far as TD bank I sat in the branch for XXXX hours multiple times with concrete evidence that I was not responsible for debit transactions, example XX/XX/XXXX I was in XXXX XXXX XXXX XXXX Rhode Island XXXX while my card was being used in XXXX Georgia for XXXX new phone, restaurants, and shopping. I brought the hospital paperwork along with my bank statement for that date into the XXXX RI XXXX, I was called a liar by XXXX Banks XXXX XXXX, and once again I was denied my money back, Approximately XXXX dollars in total has been stolen from my account. Each complaint I filed was denied replacement of my money, XXXX complaints denied 3 times. I received a text message on XX/XX/XXXX from TD bank XXXX department asking me if I was paying for food at XXXX, I responded NO. My phone rang immediately, it was TD bank XXXX department the man on the phone again asked if I was making a purchase at XXXX restaurant, I replied again NO, at that time I informed him I was home, and I asked where XXXX was, he responded Georgia ... ... I was home in XXXX XXXX Rhode Island, that charge was STILL removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry does nothing for you, but hurts my credit. Please supply a copy of my request for credit. Please have the name, date, and what was applied for and send to me as you are required if I dispute the information. 

I have several ongoing complaints that have not been resolved concerning the same issues. Not one creditor has supplied me with the information required. Due to the time and lack of information all should be deleted from credit files immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writtining You to dispute old accounts on my credit report. 
By law, credit bureaus are only allowed to list negative items for a certain amount of time. For most negative information, the time limit is only seven years ( or seven years + 180 days for a charge-off ).
Product: Checking or savings account

I didnt receive my payroll deposit. Apparently, the bank has been experiencing a technical issues for a some days now. The bank has known of the technical issue beforehand and failed to notify me in advance. Now I have no way of paying my bill or feeding my family. After speaking with a banking representative which was no help, they offered no information and were very nasty. The online assistant is a bot that cant answers questions related to my situation and the contact number wouldnt connect me with a live person to speak with.
Product: Credit reporting

I have contacted Transunion to dispute the account  XXXX   XXXX   XXXX   XXXX  because the account is not mines and I was told over the phone &amp; in writing that the account is factual and is going to stay on my credit file. There was no investigation into the matter and basically told  in 5 minute s over the phone there is nothey that they can do and to contact the original creditor.