23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it concerns, previously I attempted to communicate with your reps and a supervisor by the name of MS. XXXX. And show my willingness to resolve and dispute this matter for which she refused and acted in a unprofessional manner and at the standard for which management from Sunrise Credit Services should. I try to let her know that matter under dispute is incorrect and should refrain back to XXXX but she instead raised her voice and made me feel unwelcome and somehow intimidated but she was laser focus in not letting me talk and I never expected from a manager to have such a low level of conduct, unprofessional and undesired behavior ..mostly I challenge her ability to handle any accounts at this point because of ms. XXXX is not able to control her emotions and lose control of the call her quick by intimidating others ( clients ) I hope my feedback can be somehow helpful because of ms. XXXX does not realize that her behavior can possibly will cause future lawsuit and complaints and damage the Sunrise Credit Services credibility and collection practices
Product: Credit card or prepaid card

We made a purchase with our TJX rewards card for {$32.00} The purchase did not work out and we return the items the next morning, they said that they had refunded that amount back to the TJX rewards card. So there should be a XXXX balance on the card. 
They sent a bill later with the {$39.00} plus a {$27.00} fees charge for late fee ( {$25.00} ) XXXX min interest fee ( {$2.00} ). 
We reached out to the the credit card to resolve the issue. We spoke with XXXX, company code XXXX. She stated that they didnt see the credit And that they could only file a dispute.She also stated that she was from the collection agency of the bank that works with the TJX rewards card and that she could not look up our transactions. 
She refused to work with us to remove the balance XXXX stated she could only file a dispute. 
If you could please help as they should be able to see both the purchase transaction XXXX the return transaction, this should have been an easy solve.
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 Account Number : XXXX Account Name : XXXX  Account 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 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Please update the following account and paid, never late. 

XXXXXXXX XXXX Ending in XXXX Date of Late Payments- XXXX of XXXX XXXX, XXXX & XXXX of XXXX
Product: Prepaid card

My company purchased a VanillaGift card from XXXX at XXXX XXXX XXXX XXXX VA XXXX on XX/XX/XXXX. The amount was for {$500.00} I was given the gift card on XX/XX/XXXX. I tried to use the card XX/XX/XXXX and it was declined. When I checked the balance, it was over-charged and full of fraudulent charges to XXXX of increasing amounts, dated XX/XX/XXXX. You can see my charge on XX/XX/XXXX was declined. 

I called the number provided on my VanillaGift card and they asked me to create a dispute ticket. The company behind the VanillaGift card is InComm, headquartered in Georgia. 

On XX/XX/XXXX, I was assigned a Case Number and they told me they were working on it. On XX/XX/XXXX, they asked for the receipt of the card purchased and a photo copy of the front and back of my card. I had to get the receipt from my company and provided this to them on XXXX/XXXX/XXXX. 

On XX/XX/XXXX, I received the email stating " Your documents have been received. Please allow up to 24 business hours for documents to be processed to your ticket. In most cases, you will hear back from us within 3-5 business days after the required documents are received. However, it can take up to 30 days. If you need updates on your ticket, please reach out to the XXXX number on your card or visit our website. This inbox is not monitored for inquires. '' I called back 5 business days later and was told " it could take up to 30 days, so give them time ''. I called back on XX/XX/XXXX ( 30 days after they received my documents ) and was told " Oh, we don't have your documents. You need to resubmit them to us so we can start ''. This was a lie since I told them I've already received the confirmation email from them that they had everything they needed. I resubmitted THE SAME documents and got the same confirmation email on XX/XX/XXXX. 

I called one last time on XX/XX/XXXX and was told " it could take up to 30 days. Give us time ''. This is not acceptable. They will just wait 30 more days and claim they never received the documents, starting the 30 day timer all over again. I've been trying to work with this company for months with no progress for something that should be open/shut. 

VanillaGift/InComm 's address is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The number on the card is : XXXX My dispute/case number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion 's Credit Bureau XXXX XXXXInquiry date : XXXX XXXX, XXXX. No amount, I called and talk to one of the customer rep and she stated that there is no account in my name and she will send the information to the credit bureau to get removed but that haven't happen as of yet. 

XXXX XXXX -Inquiry date :XX/XX/XXXX. No amount, I called and talk to one of the customer rep and he stated that there is no account in my name and she will send the information to the credit bureau to get removed but that haven't happen as of yet. 

XX/XX/XXXX-Inquiry date : XX/XX/XXXX No amount, I called and talk to one of the customer rep, why do I have 2 inquires one from Transunion and one from XXXX. They couldn't give me a valid answer so this transaction never got completed and called to get it removed since but no resolution on this issue. 

XXXX Credit Bureau EXXXX MORTGAGE SER -Inquiry date : XX/XX/XXXX. No amount, I called and talk to one of the customer rep to get a called back to discuss why was my credit pulled, when all I wanted to know was the process and get some information how long from start to finish it will take. Received a call back and stated by the rep that after 3 Months a mortgage inquiry will not hurt my score. But he was missing the whole point it shouldn't have been on my report at all because I was trying to get information and procedures. 

XXXX  Credit Bureau XXXX -Inquiry date : XXXX  XXXX, XXXX. No amount, I called and talk to one of the customer rep, why do I have 2 inquires one from XXXX and one from Transunion. They couldn't give me a valid answer so this transaction never got completed and called to get it removed since but no resolution on this issue.
Product: Money transfer, virtual currency, or money service

I have been trying to withdraw some of my btc to verified XXXX account for 2 days now and the sell order stays pending for 2 hours and gets cancelled every time. I used the XXXX sell feature before and it worked flawlessly ( other than the fact that it said my funds will be available the next day when they came instantly ). Now I ca n't sell any btc instantly. 
Account email : XXXXXXXXXXXX
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. 

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 informationisinaccurate.
Product: Credit reporting or other personal consumer reports

I discovered some errors on my credit report today and have no clue why they are there. I regularly check my credit report, but this time, I saw inconsistencies that seemed to appear out of nowhere. To rule out a glitch, I refreshed the page, but the errors persisted. Im asking for the documents I submitted to be carefully reviewed so I can put this matter to rest.
Product: Vehicle loan or lease

I bought a used XXXX XXXX XXXXXXXX XXXX on XXXX XXXX XXXX, XXXX. It took many hours of negotiation from the salesman, XXXX XXXX and his manager, XXXX XXXX and we all end up with {$25000.00} as the cost of the car. Me and my XXXX son was already exhausted when we were transferred to the finance department, XXXX XXXX. Again, it took hours to finish the transaction. I told XXXX that we all agreed in sales that the car 's cost is {$25000.00} all inclusive. Also, I gave him my credit card to pay for {$5000.00}, as downpayment for the car. Unfortunately, XXXX added an extended warranty that I have already declined during the sales and even with him. After signing the papers, he put all the papers in the envelope without showing and explaining to me the details of the financing. The following day, I contacted XXXX and I went to Honda to pick up my car. 
Prior to that, I asked for XXXX but I was told that he is not around. I emailed XXXX about financing questions but no one replied. Again, I went to Honda and was able to talk to XXXX. He tried to answer my questions, but he told me that I asked too many questions. He also became rude and dismissive to me and my son so we left his office without resolving the issues. I specifically asked him to cancel the extended warranty, but he denied me this. Also, I found out later when the financial statement came that he did not apply fully the {$5000.00} downpayment that I have made. My attempts to resolve these issues has been futile. I called and emailed, got no reply. I asked to speak to the supervisor in the Honda financial, the staff denied me this. Honda Financial has kept on harassing me with calls everyday. They want me to pay with my debit card, and I was wanting to use my credit card and they denied that to me too. I am surprised that they were able to put in my debit card information in the Honda Financial my account.
Product: Debt collection

XXXX XXXX XXXX : XX/XX/XXXX LAST XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NV XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX for multiple violations of consumer protection laws, as outlined below : Failure to Provide Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), a collection agency is required to provide validation information upon request. Despite repeated attempts, XXXX XXXX XXXX has failed to provide validation information regarding a collection placed on my consumer report. 

Denial of Dispute Rights : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers are entitled to dispute accounts reported by collection agencies. However, I have not been given the opportunity to dispute the account in question, depriving me of my rights under this regulation. 

Use of False and Deceptive Means : It has come to my attention that XXXX XXXX XXXX has been engaging in false, misleading, and deceptive practices in their attempts to collect on the alleged debt. Such actions are in direct violation of consumer rights and constitute a clear breach of trust. 

Failure to Provide Required Disclosures : According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), collection agencies must provide all disclosures required by law before furnishing any account to consumer reporting agencies. XXXX XXXX XXXX has blatantly disregarded this requirement and furnished the account to consumer reporting agencies without providing the necessary disclosures. 

These actions by XXXX XXXX XXXX not only infringe upon my consumer rights but also undermine the integrity of consumer protection laws. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX XXXX Collection to ensure compliance with federal regulations and to protect the rights of consumers. 

Thank you for your attention to this matter. 
Sincerely, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX, I was the victim of identity theft. The thief or thieves successfully opened a Visa credit card account with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PR XXXX in XXXX, XXXX. 

Working with XXXX XXXX XXXX XXXX XXXX XXXX, I was successful in establishing that this was a fraudulent account, and was notified by XXXX XXXX, XXXX XXXX Fraud Risk Control Division, that this account was not mine and the three credit bureaus were so notified. I thought that resolved the issue with XXXX XXXX. 

However, on XX/XX/XXXX of XXXX, XXXX XXXX once again made a inquiry of my credit with XXXX  and Equifax credit bureaus. 

I sent a certified letter of inquiry to XXXX XXXX on XX/XX/XXXX ( attachment ) which was receipted for on XX/XX/XXXX by XXXX XXXX. The letter requested XXXX XXXX explain the nature and purpose of this credit bureau 's inquiry of my account. 

To date, I have not received any response from XXXX XXXX XXXX. on my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

US bank has failed to provide any assistance to waiving interest due to job loss due to covid-19 or waiver of payments. They expected me to pay a minimum payment of {$780.00} in XXXX and I filed a complaint with the XXXX  as other credit lenders has resources for those who have lost their jobs due to covid-19. US Bank has also failed to honor the Cares act by reporting inaccurate information on my credit reports. Inaccurate balances and inaccurate payments owed that do not reflect covid-19 assistance. Additionally I would like the fees for the checking account removed as a courtesy as I havent been working and would like the checking account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions I authorized. There are variation of companies name, account numbers are incomplete, variations of balances. XXXX XXXX just continually update when I asked for deletion and not verification even though they have been sued. XXXX has been on my credit report for years refusing to remove themselves they use deceptive practices by using variations of their name to stay on consumer credit report. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax XXXX and XXXX XXXX all three agencies have had data breaches. On XX/XX/2022 my credit score has plummeted over 100 points. SEE ATTACHMENTS
Product: Credit card

On XX/XX/XXXX I contacted XXXX over email because I discovered they reported a late payment to the credit reporting agencies. I've been a credit card holder and loyal customer of XXXX for 18 years and was surprised to see this error, so I asked them to fix it. The XXXX XXXX department denied to correct it. XXXX fraudulently reported a late payment from XX/XX/XXXX to the CRAs, and it negatively effects me. I'm really devastated over this- I've always had amazing payment history with my XXXX card since XXXX when I opened the account. 

Then on XX/XX/XXXX I contacted XXXX and Equifax about this because for some reason they are showing that my account was paid late, but XXXX XXXX shows my account correctly as paid in full. The problem is, even though XXXX and Equifax received my mail on XX/XX/XXXX, they haven't done anything about my request. When I log into my XXXX and Equifax accounts, there is no updates about a dispute or anything. They are falsely reporting late payments that never happened, and now are ignoring the requests to correct it. I have to take considerable time and effort out of my day to ask for these companies to correct mistakes they have made and it's causing me a lot of headache.
Product: Credit reporting

I sent Experian a request to investigate errors on my report back in late XXXX. Nearly three months have gone by, and they have not responded yet. I have even sent follow-up letter, to no avail.
Product: Payday loan, title loan, personal loan, or advance loan

I pulled my credit report and found that Self is reporting 2 late payments that I have on knowledge of and request that Self investigate and show proof that these late payments are supposed to be reported on my credit profile. It is the obligation of Self to report only accurate information on my credit profile.
Product: Debt collection

XX/XX/2018 RE : Hunt & Henriques XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX Acct : ending in XXXX Dear Consumer Financial Protection Bureau : I am writing in response to a debt collectors threatening letter, dated XX/XX/2018 ( copy enclosed ) about the above -referenced account ( XXXX ending in XXXX ) I have explained to the debt collectors demand, how I can not balance this request. Ive expounded on my position, as explained in my letter to Hunt and Henriques, XX/XX/2018. This is a permanent situation, not only medically, but because of our listed ages ; my wife will be XXXX in XXXX and I will turn XXXX in XXXX. In addition, our only source of income, as I explained to the debt collators, is Social Security and our pensions and my Veterans Medical Benefit. I explained to the debt collectors that we have no attachable income. My stated notice to the debt collectors is covered in the Fair Debt Collection Practices Act, 15 USC 1692c. 

( c ) In accordance the above-referenced act, I have asked XXXX ( twice by phone and once by letter ) and the debt collector twice by letter ( enclosed ), to cease and desist. 

In addition, I explained in detail and forwarded several copies of my wifes diagnosis of XXXX and how our finances are affected by medical charges and other financial obligations. 

I am asking that the debt collectors cease in their efforts to further contact me and to stop any attempt at legal action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card

I have had an issue repeatedly with my Target Redcard Credit through TD Bank where my payments are being made, posting on my checking account AND my Redcard, but my available credit is not being updated. I have contacted Redcard services several times and have just been told that they cant update it. When calling they have just stated that the payment, despite showing up as posted on my end, is still pending in their system and there is nothing they can do to update it. Again, at this point the funds have already left my personal checking account, been received by TD Bank and are listed as posted in my Redcard account. This has happened several times now. My last XXXX payments are currently still not reflected in my available credit. When I had this issue previously a payment that I made on XX/XX/2023 that was posted on XX/XX/2023 ( in bothe my personal bank account and Target Redcard ) did not go back on my available credit until XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX dated XX/XX/XXXXXXXX XXXX dated XX/XX/XXXXXXXX XXXX dated XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX  dated XX/XX/XXXX XXXXXXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX XX/XX/XXXX I had requested validation of these debts from each company and have asked the credit reporting company to remove these accounts because they are not mine. They have just updated some with XXXX balance and are still willfully reporting this information where it has been released to my current employer as well as caused me to not qualify for property. I was also informed my information was apart of sever breach with equifax and department of health. I have since filed an identity theft report ( reference # : XXXX ) with the FTC which I have attached.
Product: Checking or savings account

Td bank had my fund and I went in several times to find out where my money was going bc I felt like it kept disappearing. When I went in they said several times they didn't see in anything happening but I still came in 2 more times. After that the bank shut down my card stating that there was an issue with a deposited check and my ATM card stopped working even though I had never written checks from my account they allowed aomeone to write over XXXX XXXX dollars in checks over the span of XXXX to XXXX and even though my name was spelled wrong on the checks written still allowed them to deposit these checks in to their accounts. They are now refusing to refund any of my money.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Student loan

I would like to submit a complaint reference to Navient student loan lender ( Navient Solutions XXXX Inc ) - After XXXX plus years of repaying the loan, I feel I have been deceived by the financial institutions with excessive interest and fees. The loan balance continues to rise at an alarming rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my XXXX XXXX Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XX/XX/XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX oh XXXX