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

I have sent Transunion two certified letter, notated by my credit union with a copy of my ssn and drivers license for disputing items off my credit report. One letter was mailedXX/XX/XXXXXX/XX/XXXX they mailed the investigation results summary back XX/XX/XXXX, I immediately call Transunion and ask to spoke to a manager and then when the manager got on the phone I ask to speak to their manager. A gentleman answer the phone, I explained what happen and apologize about the issues and concerns. He ask me to fax in the documents, I informed him that I will mail them certified mail again with different letters. I also informed him that things were taking off my credit report as deleted from Transunion and later put back on. So, on XX/XX/XXXX I mailed 4 letters and supporting documents to back my claim up. That brings me to today, I call to check the statues on the dispute letter I sent XX/XX/XXXX, one young lady told me they never received it the only one they have was the XX/XX/XXXX  I ask to spoke to a supervisor or manager, she forwarded me to the supervisor who told me that my disputed letters looks the same and that every time I sent letters in that nothing would be done on my credit report and yes we did get the XX/XX/XXXX letter but so what they looks the same, I asked her was there any other documents with the letter she said no. I said I need to speak to someone else because you are rude and very unprofessional and unacceptable, she told me I am the next step there is nobody over me. I ask her what is the number or website to file a complaint and she rush to give me that and they hang up. I do have names of this person I spoke with and have all my documents to prove they have violated the FCRA law. I have Proof Accounts was deleted and Transunion violated my rights. I have be writing letters after letters since XX/XX/XXXX, spending money that I really do n't have. I am asking the CFPB to step in and help, I cry and cry because Transunion has be giving me the run around sinceXX/XX/XXXX. I ask her did they provide documents to show I owe this money, she said they do n't have they told us. I told her that I understand that this type of reporting is all electronic.There is no paperwork, it 's all digital. There is never a verification of any signed documents or contracts or anything. Every month, without fail, banks and credit card companies send electronic files with details of your account to the CRA 's. The Credit Reporting Agencies or bureaus place this information into your credit report without VERIFICATION. No one is checking if this account is really yours. No one is checking if the information is CORRECT. No one is checking on the banks or creditors to make sure that they are doing the right thing. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Product: Credit reporting or other personal consumer reports

Im in the process of buying a home and I went to get a copy of my credit report and upon receipt of it I noticed discrepancies in my report in which I reached out to the credit bureaus XXXX, XXXX, Equifax. I am writing to dispute several negative items on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). These inaccuracies have significantly impacted my credit score and financial standing.

I have carefully reviewed my credit report from XXXX, XXXX, Equifax dated [ Date ], and I have identified the following discrepancies : 1. [ XXXX XXXX, XXXX XXXX charges and insurance resolved debt back in XXXX  informed by creditor. 

XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX The aforementioned inaccuracies violate the provisions outlined in 15 U.S.C. 1681, specifically : - **Accuracy and Fairness ( 15 U.S.C. 1681e ) ** : The negative items inaccurately represent my credit history, leading to an unfair assessment of my creditworthiness. I request a thorough investigation into the accuracy of these items.

- **Access to Information ( 15 U.S.C . 1681g ) ** : I am entitled to accurate information in my credit report. The discrepancies mentioned above have denied me this right, and I request that the inaccuracies be promptly corrected.

- **Dispute Procedure ( 15 U.S.C. 1681i ) ** : I have reached out to XXXX, Equifax, XXXX, but to no avail. The agency has failed to conduct a reasonable reinvestigation, as required by law. 

I kindly request a comprehensive review of this matter in accordance with the provisions of the Fair Credit Reporting Act. 

I appreciate your prompt attention to this dispute, and I trust that your intervention will lead to the correction of these inaccuracies. Please keep me informed of the progress and outcome of the investigation. 

Thank you for your assistance in upholding the consumer rights outlined in XXXX XXXX. XXXX. 

Sincerely, XXXX XXXX
Product: Debt collection

My name is XXXX. I visited the dentist on XXXX XXXX, 2015, to have my XXXX. The XXXX office is " XXXX XXXX XXXX XXXX ''. Prior to receiving any treatment, I informed XXXX ( the main XXXX ) that I did not want to proceed with any treatment because her office staff stated there would be a charge, and I did not have the money. As much as I explained that I needed to leave, XXXX XXXX was adamant that I stay, and receive the treatment at no charge. I re-iterated again, I was not advised in advance about any charges, and needed to leave. The XXXX assured me that there would be no charge for the XXXX to be XXXX. Later, this turned out to be false, and received a bill for {$250.00}. I contacted the XXXX office to point this error out. All to no avail. The deception in their practice is " to get your signature for XXXX, then start charging you for other services ( not performed ) and add charges for dental work on the same bill ''. The bill stated that the XXXX were sent out to a XXXX to get the XXXX done, but instead she did the work in her own office, as I waited in the chair. I informed XXXX XXXX of XXXX XXXX 's deceptive practices, and will be completing a grievance form through their office, which is my XXXX insurance carrier. I stand in great need of your agency 's assistance to stop this deceptive practices and charges. Please help. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, specifically 15 USC 1681 Section 602 ( a ), it is emphasized that consumer reporting agencies, including TransUnion, must carry out their significant responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. As the consumer in question, I assert my right to ensure that my private information is not shared, supported by 15 USC 6801. This section states the Congress 's policy, affirming the obligation of each financial institution to respect customer privacy and uphold the security and confidentiality of nonpublic personal information. The term " ( Furnisher of information to credit agencies ) '' qualifies as a financial institution under this title. 

Referring to 15 USC 1681 Section 604 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report only under specific circumstances, particularly in accordance with the written instructions of the consumer to whom it pertains. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and XXXX, lack my consent to furnish this information, and they do not possess my written consent. I hereby revoke any and all consent to XXXX, XXXX, and the Furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied, or otherwise. 

As per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how to exercise the nondisclosure option. The Furnisher of information to credit agencies never informed me of my right to exercise this option. Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly states that no consumer reporting agency may include any adverse item of information in a consumer report without proper authorization, except for records of convictions of crimes that occurred more than seven years before the report. Reporting this account as an adverse item without my permission is a violation of the law. 

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e mandates that every consumer reporting agency maintains reasonable procedures to prevent violations and restricts the furnishing of consumer reports to specific purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. 

Furthermore, as outlined in 12 CFR 1016.7, a consumer retains the right to opt out at any time. Accordingly, I am choosing to opt out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I have several pages of inquiries in which NONE of them belong to me. I also had my identity stolen about a year ago so that could have played aboard.
2 )   addresses are in correct. Only one that should be on file is  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  ca  XXXX .    3 ) employers are incorrect only one  that should be on their is   XXXX   XXXX   XXXX   XXXX
Product: Debt collection

Account # XXXX, XXXX In about XX/XX/XXXX XXXX represented that they could provide 5g home internet service at my home in XXXX, WV. When I received the device it did not work. For eight ( 8 ) MONTHS XXXX was " fixing '' the problem. They sent me new hardware, they were constantly " upgrading '' towers, and software. During this time I received NO services from XXXX and although they did attempt to charge me for several months, when I called the customer service line they could see that I was not receiving any service and either waived the bill or refunded the charges. After 8 months I sent their equipment back and we ended our relationship. They apologized and thanked my for my patience. However, a month later they sent a bill for the last month 's service to XXXX XXXX XXXX XXXX, WV. This address is not a valid address. The US mail does not, has not, and will not deliver to this address. Consequently, I never received the bill. I do not owe the bill, but I would have disputed it right then and there had I known. XXXX had my credit card information and my correct billing address at the time but chose to mail a bitll to a bad address. At not time previously had we communicated in this manner. In XXXX, XXXX my account was sent to collections and has negatively affected my credit report. I have contacted XXXX XXXX XXXX ( collections ) for a resolution and they referred it to T-Mobile who insists it is a legitimate bill. I have contacted XXXX who claim they can do nothing and I must talk to XXXX XXXX XXXX In summary, my reputation has been damaged in the form of my credit report for a delinquent bill that I never received, haven't seen, and is for services that I never received. The only resolution I have been offered is to pay. This strikes me as nothing short of extortion and I am sure if we can't resolve this, a formal court and the court of public opinion will see it as such, predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXXXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX, XXXX-Date of Inquiry XXXX XXXX, XXXX
Product: Credit reporting

I have XXXX XXXX accounts on my credit report : XXXX ( XXXX ) and XXXX ( XXXX ) with a 30 day late payment that was authorized by XXXX to be removed. XXXX and XXXX have already done so, yet transunion has yet to budge. I have attached the document from XXXX Also there is an inquiry on my credit report for XXXX, IA XXXX XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2016 I have disputed it and they tell me to contact XXXX which they stated that they have no information on such inquiry.
Product: Credit card or prepaid card

I was a long time customer of capital one. Last year, I had two business credit cards and 1 personal credit card that were all abruptly closed down by Capital One. When asked why the accounts were closed, I was sent a generic letter that said that they had observed activity that did not meet their expectations for the account. I filed a complaint with the XXXX because I had very high limits on those cards, and Capital One refused to ever tell me what specific activity they were referring to. Several months after the accounts were closed, Capital One began to send me mail offers and solicitations to my business and home address. Based on the solicitations, I assumed that Capital One previously made a mistake, so I opened my two business accounts again. Now the oldest of the two accounts is less than 3 months old, and once again, I find out while traveling out of state last week on XX/XX/XXXX that Capital One has again closed my accounts. When I called that day to find out why, I was told to call back the next day because the people that I needed to speak to were gone for the night. So, on XX/XX/XXXX I did call again, and I was told that the account was closed, and the agent read the same generic letter I received when my accounts were closed last year, which states that Capital One observed activity that is not consistent with their expectations for usage for a commercial or small business account. Once again, I called back and asked for the specific activity they were referring to, and I was again told that no more information would be provided outside of the generic letter. I am simply outraged about this because I believe that my accounts are being closed ONLY because I don't carry a balance, so Capital One is not collecting fees for interest. I sincerely believe that because I use the cards heavily and then pay the balance off, my accounts were closed so that Capital One would not have to continue to pay me hundreds of dollars in cash back. I have excellent credit, and I run a successful medical practice. There is not ONE charge on either of these two new accounts that was not for business purpose, which I can prove, so Capital One has no reason to close my accounts be it not for the fact that they are weeding out accounts like mine that cost them money instead of make them money. This is discrimination! When I opened the two new accounts, Capital One ran my credit both times, and my credit score took a hit. If they had a problem with me opening up new accounts after they closed the previous ones, they should have NEVER solicited me to come back, nor should they have approved the credit cards. When they did, unless they can prove that I have violated something in the agreement, which I have not, then Capital One should not be allowed to discriminate against customers like me who they do not earn money from. This is simply unacceptable!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I happened to review my credit card with a financial adviser and I noticed these hard inquires that I have no clue of. We tried calling some of these places with no luck. They transferred us from one location to the next. Here is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX 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
Product: Money transfer, virtual currency, or money service

PayPal Website continually says Cant complete request. 
Cant get through to a live person to resolve. 
Corporate office number disconnects calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 

Furthermore, I have reason to believe that the consumer reporting ageXXXX may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays.

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.
Product: Credit reporting or other personal consumer reports

I recently noticed that TransUnion has a hard inquiry listed that isnt mine. I hand wrote a letter to TransUnion letting them know of the issue and that it needs to be removed, and I sent it certified mail on XX/XX/XXXX. They responded to me quickly and I received a response soon after. However, they are pushing the blame on the company who did the hard inquiry to obtain the credit report. I gave them no written permission to furnish my personal information to anyone, ever. And certainly for a fraudulent inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through gross negligence, Equifax has allowed extremely sensitive personally identifiable information to fall into the hands of unauthorized agents. Despite knowing the sensitive nature of the data Equifax held, they failed to set up adequate systems and protections in place to secure my personally identifiable information. Due to these actions, I am at a grave financial risk and can fall victim to act of identity theft, a drop in my credit score, and elevated costs for home, car and other loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX ( XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  # XXXX 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 a account without my written instructions
Product: Student loan

Navient didn't apply my income-based repayment ( IBR ) paperwork to the account for 4 months. They wrongfully charged the full {$500.00} automatically from my bank, which caused an overdraft fee of {$30.00}. 

XXXX XX/XX/22 - Navient sent a reminder to recertify for the IBR plan. 
XX/XX/22 - I mailed the IBR paperwork to Navient via certified mail. 

XXXX XX/XX/22 - Navient sent another reminder to certify IBR before XX/XX/22. 
XX/XX/22 - Confused, since I had sent the IBR paperwork previously, I called Navient and I did the " eSign '' IBR application on the phone with a Navient representative. 

XXXX XXXX XXXX I called Navient to validate my IBR paperwork was settled. The customer service representative confirmed it was in process and I would not be charged the {$500.00}. 
XX/XX/22 Navient wrongfully charged me {$500.00} from my bank account, which then charged me an overdraft fee of {$30.00}. Under the IBR plan, I should have been charged {$59.00} XX/XX/22 - I protested the XXXX wrongful charge, which Navient refunded to my bank but did not remove from my account balance. The account showed me as overdue a {$500.00} payment. 

XXXX I paid the {$59.00} IBR that I could afford. My account still showed the {$500.00} wrongful charge. 

XXXX XX/XX/22 - XXXX payed my XXXX IBR. Navient still showed my account as in the red. 
XX/XX/22 - I checked the account and saw I still had a XXXX balance owed. To ensure this didn't impact my PSLF application, a friend loaned me money to pay it.
Product: Credit card

Macy 's American Express credit card is reluctant to credit Macy 's Worrynomore voucher in the amount of {$220.00}. The voucher was issued on XXXX/XXXX/15 by Macy 's as reimbursement for not using the furniture protection plan and has to be used only towards the purchase of furniture, it expires in 90 days from the issue date. I purchased the furniture from Macy 's over the phone and was told that the voucher would be credited before the XXXX statement. As per worrynomore program, the voucher was redeemed on XXXX/XXXX/15, but never credited to my account. The furniture was delovered on XXXX/XXXX/15. I called Macy 's worrynomore program and credit card customer service multiple times since the purchase in attempt to get the voucher credited towards the purchase, I also filled out the dispute of charge form. I was told to fax the voucher to Macy 's, and I did so to several different numbers provided by different customer service reps ; but no result. The reps refuse to provide their names or ID numbers, and refuse to connect to supervisors. Last time I was tols it takes 30 days to process the voucher, but today is over this limit, and the credit not applied. It seems to me that the Macy 's worrynomore is a consumer scam to inflate the furniture price and to trick into purchasing " refundable '' protection plan. 
The Macy 's customer service never responded to my multiple e-mails. 
Every phone call takes no less than XXXX min ; I have no choice but to request your help