23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Despite repeated attempts to address this matter, it has come to my attention that your bureau has failed to take the necessary actions to rectify this situation promptly. 
It is imperative that you understand the gravity of this issue and the profound impact it has on my financial well-being, credibility, and personal security. I have provided you with detailed information and documentation establishing the fraudulent nature of these accounts, as well as my status as an identity theft victim. Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to conduct a thorough investigation and ensure the accuracy of the information reported on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My patience has worn thin due to the ongoing presence of these fraudulent accounts, which continue to undermine my ability to access credit and financial services. 
I demand a written response from your bureau confirming that these actions have been taken and that the fraudulent accounts have been successfully removed from my credit report. Any failure to comply with your legal obligations under the FCRA will not be tolerated.
Product: Vehicle loan or lease

I am a victim of a natural disaster and being sold a lemon due to being a XXXX. I kept the maintenance up on the vehicle, however the vehicle was a lemon. After taking the vehicle to several repair shops including XXXX, they stated there was nothing they could do for me. The transmission light came on directly after completing my 3 month oil change vs. them telling me every 5 months. I lost my job due to XXXX and asked for help and they refused and hung up on me saying " so what and you're the one that purchased the lemon vehicle, its your fault not ours. '' Each rep I talked to was rude, uncompassionate and refused to provide assistance. My car stop running, when I did all I could to keep this vehicle they said was not owned by anyone but the dealership and everything was 100 % up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Maybe transunion has robots working or XXXX folks as incorrect phone numbers are reported such as telephone numbers and wrong spelling of names and invalid data and asked twice for it to be fixed but just kept mailing the same inacurrate date. 
what is going on over there??
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello good afternoon, I had an auto loan with XXXX XXXX XXXX in XXXX which has been satisfied in full, unfortunately the account is continuing to show up on my XXXX, XXXX and Experian credit reports as charge off. I satisfied the debt of the charge off in full and would like this account removed from all three ( 3 ) of my reports as it is impacting my credit score negatively.

Thank you.
Product: Credit card or prepaid card

Citizens was offering their credit card with a promotional {$100.00} credit towards XXXX precheck. I purchased XXXX precheck and never received my {$100.00} credit. When I asked them why they stated that the transaction name did not match XXXX precheck and they would not honor their promotion.
Product: Credit card

On XXXX I had many charges on my credit card. I was traveling in XXXX Ohio staying at the XXXX XXXX. Well staying there I lost my phone. There were transactions I did not authorize. My phone was set up for auto fill save passwords. I called the credit card explain I did not make these transactions I was told they put I. For a dispute. I have never got any thing from them. I called today cause its XXXX XXXX  and was informed it has not berm looked into. Their fraud department has not looked into this yet. They have been escalating this and still no contact from them. This amount came to {$1100.00} has put me way over my credit limit and report to the credit agency were I lost XXXX XXXX And its not being looked into. Also no credits given during the XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to express my deep frustration and concern regarding a recent issue with my account at Omni Financial. I have been a loyal customer for over 12 years, consistently enrolling in auto pay for all my previous loans. However, my most recent loan has been plagued with issues surrounding the auto pay feature, despite my repeated efforts to ensure its activation. 

From the onset, the first payment failed to be auto-drafted, which led me to pay it manually. I promptly called Omni Financial to confirm that auto pay would be effective for subsequent payments. Despite my diligence and repeated assurances from their representatives that auto pay was active, the payments continued to fail to auto-draft. This occurred over several months, culminating in a missed payment that I was only made aware of when Omni Financial notified me. 

I was shocked and dismayed to learn that despite my proactive steps to ensure timely payments, I had been marked for a missed payment. Each time I called to confirm auto pay, I was assured by their representatives that it was active. I believe I acted in good faith, making every effort to maintain my impeccable payment history. 

The repercussions of this missed payment have been devastating. My credit score has suffered significantly, tarnishing a credit reputation I have painstakingly built over the past six years. My ability to achieve critical life goalspurchasing a home, starting a business, and other ventures dependent on good credithas been severely compromised. This singular error by Omni Financial has dramatically undermined my financial stability and future prospects. 

Given my long-standing relationship with Omni Financial and my consistent history of timely payments, I respectfully request that you rectify this situation by removing the missed payment from my credit report. I believe it is unjust for me to bear such a significant penalty for an error that was beyond my control, despite my best efforts to ensure compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : XXXX XXXX Account Dispute for Account Number : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information reported on my credit file regarding Account Number XXXX. I have reviewed my credit reports from Equifax and XXXX and have identified several significant inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 of the United States Code ( USC ), and Section 604 in relation to the reporting of my medical information. 

Firstly, there is a discrepancy between the information reported by Equifax and XXXX. Equifax indicates that the account is an installment contract, while XXXX reports it as a medical bill. This inconsistency raises concerns about the accuracy and proper classification of the account. 

Furthermore, both Equifax and XXXX have discrepancies in the reported account open date. Equifax and XXXX state that the account was opened on XX/XX/XXXX. However, Equifax reports a balance of {$7200.00}, whereas XXXX reports a balance of {$7200.00}. These discrepancies raise doubts about the accuracy and consistency of the reported information. 

Additionally, there is a discrepancy in the terms reported by Equifax and XXXX. XXXX states that the term limit is 60 months, while Equifax reports a term limit of 0. This inconsistency further questions the accuracy of the reported information. 

Moreover, XXXX reports a past due balance of {$5200.00}, whereas Equifax states a past due balance of {$5100.00}. These discrepancies in the reported past due balances cast doubt on the accuracy and integrity of the reported information. 

Furthermore, there are inconsistencies in the last report dates provided by XXXX and Equifax. XXXX reports a last report date of XX/XX/XXXX, while Equifax states a last report date of XX/XX/XXXX. These differences raise concerns about the timeliness and accuracy of the reported information. 

In addition to the aforementioned inaccuracies, it is important to note that the reporting of medical information without my authorization is a violation of my rights under the Health Insurance Portability and Accountability Act ( HIPAA ). I did not provide consent for my medical information to be shared, and the inclusion of medical information in my credit file is a breach of privacy. 

I am exercising my rights under the FCRA, USC Section 1681, and Section 604, which require accurate and fair reporting of consumer information. I request a thorough investigation into these inaccuracies and violations, as well as the immediate removal of the disputed account from my credit reports.
Product: Credit reporting, credit repair services, 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 name : # XXXX has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had an ex open a utility account in my name using my information. I have disputed this several times. I never had a written contractual agreement with XXXX XXXX XXXX. I have disputed this account through the credit bureaus multiple times. I have letters from a room mate that states I was living in a completely different residence at the time the power account was opened somewhere else. I want this debt collection agency to cease all attempts to collect on this fraudulent account. As well as to discontinue reporting to all 3 major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

On XX/XX/2022 a fraudulent charge was placed on my account for a subscription of a XXXX show named XXXX that put my account over the limit. 

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

On XX/XX/2022 my credit card was forced over the limit buy no action of mine. The over the limit was created by a finance charge that the company placed on my account on XXXX the XXXX 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account withoutmy written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit scores back in late XX/XX/2023, with my free yearly credit pull, found a few imperfections and sent letter to XXXX, Experian and XXXX on XX/XX/XXXX, asking for an investigations on a few accounts that did not match. I gave them 30 days to respond and show proof of their findings, and they failed to respond and honor my requests.
Product: Credit reporting or other personal consumer reports

I never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is XXXX XXXX A copy of the law is attached with this dispute. 
I have not given these companies permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. The offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

These companies also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$5100.00}
Product: Prepaid card

I received a {$200.00} Amex prepaid gift card. I attempted to buy a gift card at XXXX, XXXX, and other large online merchants. It was rejected at all. I was also unable to add it to my XXXX XXXX wallet. 

I called customer service, and they said there weren't any issues. I called 2x more and there was no help. They agreed to send me a new card for {$200.00}. 

They sent another card for {$190.00} and it has all the same issues. It's unusable and it feels like a tactic just to hold onto the cash with no help on how to use it at the nation 's largest retailers.
Product: Mortgage

Around XX/XX/2023, a pre-approval was issued from the Amerisave mortgage company. On XX/XX/2023, we entered into contract on a property for purchase. The Loan officer XXXX " XXXX '' XXXX received a manual override from XXXX XXXX XXXX, VP of underwriting, to proceed with the FHA loan package. In the immediate future XXXX left Amerisave and the file was turned over to a new loan officer, XXXX XXXX, and Processor, XXXX XXXX. During this transition many of the documents that were initially forwarded to XXXX were yet again, asked for in duplicity. The processor has sent Closing Disclosures and a Conditional Approval letter, at which time, she then states that the loan underwriting department is unable to close the loan. Hence forfeiting our XXXX  money in the amount of {$6700.00}. Which had this information been discussed earlier we could have saved. 

During this almost 30 day process, the lender never stated that the loan was in jeopardy and misled us to believe that we were headed to the closing table. We including our Realtor had made numerous attempts for a manager or superior to contact us. We finally heard from the VP of Customer Care, XXXX XXXX. He worked other angles to attempt to get the loan approved, but hes not authorized to help with resolving the actual service issues. 

Since XX/XX/XXXX, this lender, specifically XXXX XXXX, has acknowledged on numerous occasions their mishandling of my application. The VP of underwriting assured the original loan originator that the timeshare would be a nonissue and was the only reason the loan originator provided the prequalification and cleared us to shop for a home. From that point to the loan being reassigned to a new loan officer to the processor delaying matters until after close of business on the loan contingency date, no one looked over the files to determine there would be an issue. Its been a mountain of incompetence and disdain for us as the customer for more than a month. 

Not to mention, we were assured we would hear from compliance to discuss some sort of resolve. That of course never happened. So not only are we out of the property Amerisave insisted we go after, were out of the XXXX money, inspection costs, and appraisal fee to the tune of $ XXXX. All of this couldve been avoided if XXXX XXXX cared to answer calls and e-mails and review the file timely. It couldve been avoided if XXXX XXXX did his job. It couldve been avoided if their managers would be customer-centric and responded to voicemails. Frankly, had XXXX XXXX not been so adamant that the timeshare that reported as a mortgage wouldnt be an issue and had he not told our original loan originator that all was well, we wouldnt be in this position. 

Not one single person among the ranks at Amerisave did any semblance of due diligence, and we should be made whole as a result. It is certainly not fair that we were misled and then left to our own devices while they continued with their poor business practices. Where in any of this is the customer service???
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX MOT Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, CPS Date of Inquiry XX/XX/2022XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX Date of Inquiry XX/XX/2022
Product: Student loan

Hello, I applied to SAVE on XX/XX/XXXX with my loan serviced Nelnet. Nelnet customer service informed me that same application day on XX/XX/XXXX it would take at most 45 business days to process the application. In XX/XX/XXXX Nelnet customer service informed me that it would take another 30 days to finalize it, heck even suggested me to re-apply to SAVE on XXXX. I declined doing so as an agent from Federal Student Aid informed me that they have everything they need from me and that my XX/XX/XXXX application was valid. Nelnet kept applying an administrative forbearance to my loans, gaining interest with each passing day. No written or call communications. Each call hold-times has been on average 60-180 minutes. Fast-forward to XX/XX/XXXX I escalated the call as over 120 days passed, and after 120 days I had over $ XXXX accrued interest ( {$90.00} interest/day ). The Nelnet supervisor informed me that they will try to back-date the SAVE plan to begin on XX/XX/XXXX. On the following day my SAVE application was finally complete with Nelnet, verifying that all my loans now are in the SAVE plan. However Nelnet setup my repayments to begin at the end of XX/XX/XXXX rather than back-dated to XX/XX/XXXX. I called Nelnet again to inform them to back-date my interest to at least XX/XX/XXXX, and they informed that that unfortunately they can not do so because of " delayed processing times. '' I do not know what to do, but being responsible for ( {$10000.00} in interest by XX/XX/XXXX ) because Nelnet can not process an application in 120 days is unreasonable. The customer service rep also informed me that they do not know how Nelnet will track the government paying for the excess interest in the SAVE plan, if any. I am afraid, and at a complete loss of what to do. My interest continued creeping up to over {$13000.00} before enrollment in the SAVE plan at the end of XX/XX/XXXX. Remember, I applied to SAVE on XX/XX/XXXX. This is the third complaint of the same issue with Nelnet on Federal Student Aid, and I have had no written, call, or email communications to resolve this from Nelnet. 

Summary : IDR SAVE Submitted on XX/XX/XXXX. Switched finally to SAVE Plan by Nelnet by the end of XX/XX/XXXX. Problem # 1 I accrued over {$13000.00} in interest due to Nelnet processing times. Documentation and statements in my Nelnet account are not complete either to track the growing interest month to month, dating back to XX/XX/XXXX. Problem # 2 I continued acruing interest rate despite being in the SAVE Plan with XXXX XXXX/month payments. First complaint originated on XX/XX/XXXX and second complaint originated XX/XX/XXXX. Third complaint on XX/XX/XXXX. I need all of this interest waived, and documentation to be on point month to month, at least dating back to XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

PayPal makes my balance negative for a fraud claim. I sent my documents and called them several times about 10 times to fix the problem because they made the action without my permission and they told me they fixed it but they never fixed it. They recognized that the claim from the account is fraudulent but they didnt resolve the problem. The PayPal customer service is not responsive and they made my balance negative also they charged me for the action. I asked for refund and its about 1 and half months that they said they would refund my balance with the amount.
Product: Debt collection

XX/XX/2024 {$4000.00} Ability Recovery Service THIS INSTITUTION IS REPORTING NEGATIVELY ON MY CREDIT REPORT! I DO NOT OWE THEM, I HAVE NEVER SIGHNED ANY AGREEMENT, PROPOSAL, OR CONTRACT WITH THIS INSTITUTION! I AM DEMANDING THAT THEY EITHER SHOW ME AN ORIGINAL CONTRACT SIGHNED BY ME OR IMEDIATELY REMOVE THE NEGATIVE ACCOUNT FROM MY CREDIT REPORTS!
Product: Checking or savings account

I went to BB & t at XXXX XXXX XXXX XXXX Washington DC XXXX. I went to pick up a new temporary debit card Cause the permanent card was ordered but never sent to me. At the tellers window a bank employee by the name of XXXX refused to issue me a new temp card even after the bank issued me 10 without any complaint or issues about it. The temp cards expire so you are forced to renew them as well. I called customer service while there and it was discovered that the bank I went to listed above refused to reissue the card after cutting the old one in half making it impossible for me to access my account for no reason. Customer service said they blocked my account at the branch only and that it was not BB & t but only an employee at this branch that refused to remove the block for no reason. They refused to let me then withdraw money for no reason and had security pull me out of their branch when I asked them to work with customer service by phone. Im submitting a complaint to have this branch to unlock my account please have executives assist me.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was XXXX someone esle had access to my account i filed a claim it was denied well Fargo asked for documentation I sent in the documents proving I was XXXX  and they still denied me my name is XXXX XXXX
Product: Debt collection

Called sunrise XXXX told nothing we can do call XXXX Called XXXX XXXX told to call sunrise