23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Regarding : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OK XXXX. 

XX/XX/2022 I called to make a one time payment on behalf of a family member for {$240.00}. I specifically, and repeatedly advised their rep to not save my information for future payments, and that is was and one time only authorization. The rep reassured that my information would not be saved. 

XX/XX/2022 Another charge from this company for {$240.00} goes on my credit card. Unauthorized. 

The company has refused to refund my money. They have saved MY payment information to collect debt for a 3rd party without permission. This is fraud and unethical debt collection practices.
Product: Mortgage

Every year in XXXX ( for XXXX, XXXX and XXXX ), New Rez LLC has issued a notice saying that there is a surplus in my Escrow account and they ask how I would like to have the surplus returned to me. Every year I request a refund check. The check never arrives, but the surplus payment is deducted from my escrow account. 
Every year I call and am told a different story such as : it was credited directly to my bank account ( when it wasn't ), or I need to wait a few more days. 
In XXXX I did not receive a check until XXXX ( after chasing numerous times ) - well outside the 30 day period for returning the money. 
In XXXX I did not receive the check until XXXX ( after chasing numerous times ) - again well outside the 30 days. 
In XXXX it shows the surplus as deducted from my Escrow account in XXXX but I have once again received no check. I can not get through to them on the phone in a reasonable amount of time this year to chase my refund. 
It appears they intentionally do not mail the refund checks, on the assumption that people will not notice, and if anyone does notice, they simply mail a check to them there and then. Additionally, it is almost impossible to reach anyone to speak to about this, so it's a deterrent for anyone trying to follow up. 
I have further details - dates, amounts and paperwork, etc. to back all of this up. 
This needs to be investigated as not returning {$100.00} or {$200.00} to one customer is a very small amount, but would add up to hundreds of thousands/millions if they do it to every customer, which they probably do.
Product: Credit card or prepaid card

I had a XXXX XXXX Credit Card through Comenity Capital. My account is up to date, I requested a credit limit increase and thats when I was informed that my account had been closed 3 months ago. I was never notified, not even by mail. I have called multiple times to pay my bill and ask questions never was I informed the account was even closed! My account was closed due to XXXX XXXX ending. On my current credit report it is showing for the last 3 months that I am passed due but that is entirely not the case I have Paid all 3 months way ahead of time and over the minimum payment. I have reached out to Comenty for some answers and they are telling me I have to reach out to my credit bureau for answers. 

I am seeing all over their facebook page that this is an issue and I really want some answers. I dont think its fair that people are getting reported on their credit score for past due payments, and their credit history being taken away now that this card program is closing. They are a terrible company and I have had issues with them and their business since day XXXX and their are thousands of other people that have the same issue. 

I believe they scam people. I have had the card for 2 years and of those 2 years I have had to correct their mistakes at least 9 times that I can remember. They have issued payments onto my account that I have not consented to or granted access to. I have had to be refunded numerous times because they take out double what I paid. They Have reported me to the credit bureau quite a few times for being passed due because my due date was the XXXX of the month and because it comes out through my account I guess they dont receive the actual money for 1-2 business days, so then they give me a late fee and report it as late. 

Just yesterday XXXX I noticed a random payment on my account for {$100.00}. It stated " XXXX XXXX OH XXXX XXXX, '' and was listed as pending. I called about this and the man on the phone told me he didnt know what it was and that he wasnt seeing it. He had to put me on hold like 5 times and could never actually answer my question and basically told me he couldnt help me and it was an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end customer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining to the CFPB that Equifax is retaliating against me for filing disputes against them for being dishonest and lying with regards to several disputes against Equifax and XXXX XXXX XXXX, and proved that Equifax had lied when they claim to have investigated these validation disputes regarding XXXX medical bills being reported by XXXX XXXX XXXX, where they admitted they never had validation for years and all three credit Bureaus lied when they said they investigated. If they had of investigated the disputes they would of found there was no validation info available until XXXX months ago when FDS sent me a medical statement violating my XXXX protection and have lied to the CFPB. 

Equifax are now retaliating against me and making my score low and leaving inquiries I have no connector with on my credit report and has systematically refused to remove inquiries off my credit report even after me providing the identity theft report and a police report. 

Retaliation. Please notify law enforcement. 

Someone tried to sabotage my credit report and none of these accounts have nothing to do with any of my accounts the XXXX which I verified. 

I have also placed fraud alerts as required, have followed all procedures, and I want an investigation into their failure to follow procedures. 

Again, per there request I have submitted an identify theft report and police report almost 4 times now to Equifax on inquiries that I did not create or consent to. They are not affiliated with any account that I began using after this date of each individual inquiry that was provided to them specifically for those inquiries as listed on the identity theft report. Equifax refuses to remove those inquiries provided to them months ago - that I once again, did not create or consent to. Equifax needs obey the law and remove these inquiries immediately as provided to them in the government documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I notified XXXX that they were in direct violation of the FCRA. 
15 U.S. Code 1681b - Permissible purposes of consumer reports This law clearly states that any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. 
I never provided XXXX with my written consent to furnish this information on my consumer report XXXX XXXX XXXX  XXXX. With that being said XXXX is committing fraud by furnishing my consumer report with this information. I demand that this information be removed immediately. 
Must I remind you pursuant to 15 U.S. Code 1681- Congressional findings and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting or other personal consumer reports

I am being ignored repeatedly. These inaccurate items on my credit report have caused me to be denied for an apartment for me and my kids. These items are now in litigation for violations of the FCRA.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX  Balance Owed : {$30000.00}
Product: Debt collection

I am writing to inform the CFPB that RESURGENT RECEIVABLES, a debt collector/debt buyer has been furnishing inaccurate information on my credit reports. I have disputed the errors in my reports, and they keep verifying it. I provided evidence that they have been misreporting a tradeline that is incomplete. It does not meet account level documentation yet the fail to update the alleged debt account with accurate information. This company has not even verified the debt they reported to my consumer reports. This company has violated my rights under the Fair Credit Reporting Act for verifying incomplete and inaccurate information and they have triggered FDCPA violations for deceptive debt collection practices. I have disputed this company multiple times to no avail.
Product: Debt collection

I owed XXXX XXXX XXXX a balance of {$19.00} which was a " final bill '' sent to me and due on XXXX/XXXX/2014. Before moving from our residence, THIS BILL WAS PAID IN FULL ON XXXX/XXXX/2014, and closed. 

XXXX XXXX XXXX has sent my acct to a collection agency ( AWA collections ) showing an inaccurate balance owed of {$260.00}
Product: Credit card or prepaid card

I wrote Care Credit on XX/XX/XXXX regarding my payment increasing from {$200.00} per month to {$230.00} per month. I am on a fixed income and right now I can not afford the {$230.00} per month. I know it is only a {$28.00} difference but it affects me in a huge way.
Product: Credit reporting

I have recently submitted a complaint against Transuion regarding an adverse account status with XXXX. I submitted the necessary paperwork to Transunion, XXXX and XXXX on XX/XX/2017 for the 2nd time. The Transunion rep and I both had a conference call with XXXX and XXXX and XXXX has reported the correction to the other XXXX credit bureaus. For some reason Transunion is refusing to correct this being listed as an adverse account and I need it fixed immediately.
Product: Checking or savings account

Okay city bank closed my Accounts at the time I had XXXX in my account the 60 days for the account closing was up over a week ago and I still haven't received a check from them they told me the last time I talked to them that even though the check clear the senders bank they said because they couldn't verify the check they were not going to return the money that was my entire savings and they play with it like it's nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$370.00} XX/XX/XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX Collections {$83.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They have me owing {$8900.00} to XXXX XXXX and that has been paid off for years and they have it as open.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I went to XXXX XXXX to purchase a new car. XXXX ran my credit, and I purchased my vehicle. In XX/XX/XXXX my son, who already had his own financing set up, and I went into XXXX to purchase a vehicle. My credit was ran then, even though he already had financing set up, and knowing that i would not be able to co-sign for him because I just got out of bankruptcy in XX/XX/XXXX. My credit was pulled 16 times according to my credit report from XX/XX/19-XX/XX/19. Again, his financing was already in place so there was no need to even pull credit. I literally called the financing office at the dealership, walked outside with them on the phone, gave them the vin number, car specifics, and handed my cell phone to the finance manager to finish the transaction. Then on XX/XX/2019 I brought my car in that I bought in XX/XX/XXXX because of a defect of a repair they made when I purchased the car. Instead of just fixing it, they again tried to sell me another vehicle. So they ran my credit another 10 times. So my credit has been pulled 26 times within 3 months from the same company for the same thing. That is excessive. I have disputed with the credit reporting agency these inquiries and I was given some ridiculous reason why this is ok. THIS IS NOT OK IN ANY WAY SHAPE OR FORM.
Product: Credit card or prepaid card

My nephew found out last week he was being referred to XXXX XXXX on an emergency basis and was to be there on XXXX XXXX, 2019.  Our family immediately started collecting donations to help him and his mother with the expenses for his trip to XXXX XXXX as my sister is on XXXX  and he is going through the XXXX process they struggle financially day to day anyway. We collected XXXX  and put XXXX of it one XXXX XXXX XXXX Visa purchased from XXXX XXXX XXXX XXXX in XXXX KS. On Friday XXXX XXXX, my sister went to use the card and it declined, she then went back to the hospital and got on a computer to go to the website and look up the card account details, frustrated because she hadn’t used it yet, she then noticed there was a charge for XXXX to a company out of XXXX, Michigan- it was then she called me in a panic as well as try calling the number on the card for help. After going through a series of questions, she was then transferred to another phone number that answered as an addiction specialist, my sister then hung up. We have been researching and calling different numbers for assistance with no success.  I have reached out to the company where the purchase was made, XXXX XXXX  out of XXXX and have yet to hear back- my sister has only less than XXXX  to her name and will be with my nephew at XXXX XXXX   for some time while he undergoes multiple surgeries.  We are begging for assistance to resolve this issue!
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( XXXX  ) by not completing its investigation on XXXX BANK within the required XXXX timeframe regarding a dispute I submitted. Because TransUnion failed to verify or correct the disputed item within the legally required timeframe, it must now delete the item from my credit report immediately. 
Details of the Violation : Failure to Investigate Within 30 Days Per XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) of the FCRA, credit reporting agencies must complete an investigation within 30 days of receiving a consumer dispute. TransUnion has failed to do so, making them non-compliant with federal law. 
XXXX XXXX Provided Because the timeframe has expired and TransUnion has not provided verification, this disputed item is now legally required to be deleted from my credit report. 
Ongoing Harm Due to Negligence TransUnions failure to act within the legally mandated timeframe has caused unnecessary harm to my creditworthiness, and I demand immediate corrective action. 
A fair resolution to this issue would be the immediate deletion of the disputed item from my credit report. Since Transunion failed to complete its investigation within the required XXXX timeframe, as mandated by the Fair Credit Reporting Act ( XXXX  ), the item must be removed.
Product: Mortgage

I am a a realtor representing a buyer in the purchase of a home in the XXXX Arizona area. The loan was denied by Quicken loans due to " unacceptable property type '' I was notified by the sellers agent that townhome was classified as a condo - not correct. The appraiser was asked to change the property type on the appraisal ( by quicken ) from townhouse to condo, even though it is a townhome. I have had little to no communication from the quicken loan team handling the transaction. I have made several attempts to have updates along the way & formally requested a loan status update ( required to be provided on a weekly basis, only one was provided after formal written request ), in addition to emails & calls. My buyers have been tainted regarding the HOA & their reserve funds ( over a XXXX dollars between both master & sub-HOA ) the quicken team has made them feel that they are in danger with the HOA somehow. This transaction has been tainted by individuals at quicken & is most likely going to be canceled because of Quicken. This is unacceptable behavior & highly unprofessional, maybe illegal. Many lenders lend in this subdivision on a yearly basis, why would this be an issue for Quicken if it is not for other regulated companies. The property did appraise with no conditions.
Product: Credit card or prepaid card

On XX/XX/XXXX, I filed a claim for {$800.00} regarding an ATM error. I filled out the claim forms and sent it back promptly on XX/XX/XXXX. I then called Card.com to inform them that I uploaded the documents online and they said they received it and that I would receive a provisional credit on or before XX/XX/XXXX. I waited until then and nothing happened. I called Card.com on XX/XX/XXXX to inquire about my provisional credit. I was told my claim would be escaladed within 24-48 business hours. I called again on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ; XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and was told the same thing each time I called : your claim will be escaladed and you should receive an update or a provisional credit, which never happened! Then, I noticed on XX/XX/XXXX that my online access and card was restricted. I called and was told that my account was blocked due to fraud and I wouldn't able to receive direct deposit ( I get paid on this card every Friday by the way ), and my card was blocked. I was asked to send pictures of the following via e-mail to verify my identity : Social Security Card, State ID, and utility bill. I sent those documents on XX/XX/XXXX. The representative said it would take 24-48 hours to process and subsequently remove the block. That never happend. First my card was blocked, then my entire account. I never received an explanation behind why my account was blocked from in the first place ; I never filed a fraud claim! Anyway, my direct deposit was blocked like they said they would, and my account is literally inactive. I rely heavily on this card, because I get paid weekly on it and my stimulus check is suppose to be deposited on this card too.
Product: Credit reporting or other personal consumer reports

This inquiry was made without my authorization ; I did not have any discussions with this lender on the mentioned date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Reported that I was 30 days late. I never received any notification that this account was past due. I had no payment due on the app at all. I paid off this loan in XXXX on the app. I took out another loan. I have confirmation from XXXX XXXX staff. 
XXXX Loan was paid my only notification was paid on the app. They should never been able to report this without me knowing. It is totally irresponsible that credit agencies are able to take any information drop my score before contacting me. There needs to be a total revision to how credit agencies apply information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out I had a collections with Kohls a few years ago without any knowledge of charges that was made. I previously had a kohls account that I didnt use and believe was canceled. I told Kohls I was unaware of the charges, paid it and made sure it was canceled. Later on I found out on a free credit report that the delinquency dates was showing someone was making payments to a balance I didnt know about. I called Kohls and told them it wasnt me and they provided personal information that wasnt mine. After updating my information I told them I had a Kohls card once and I didnt make those payments or charges. They told me to file a dispute with the credit reporting agency. Kohls then supported their false report. I paid for a 3 credit report app. And found out that Kohls had more then one account in my name and didnt tell me about it. I then filed another dispute saying the account was falsely put in my name. Kohls again supported their false report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy.

Furthermore 15 USC 1681, Section 604 ( A ) ( 2 ) also states that Consumer reporting agency can not furnish an account without my written instructions. I did not give my written permission. Nor was I given the option to opt out of such reporting which is my right.

In addition under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. 

On or about XX/XX/2023 XXXX XXXX reported a late payment on all 3 bureaus. I have spoken to customer service at the bank and on the phone with no resolution to this issue.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX TRANSWORLD SYSTEMS I Reported : XXXX XXXX, XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TRANSWORLD SYSTEMS I Reported : XXXX XXXX, XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX  of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I have contacted Chex System and Early warning system about incorrect inaccurate information reporting on my consumer report regarding bank accounts opened by identity theft. I have sent each data furnisher a police report, federal trade comission identity theft affadavit, formal dispute and supporting identification documents. The bank accounts are still being listed on my consumer report regardless of the police report being supplied showing them that I was a victim of identity theft in the past. I am asking for assistance in getting this information blocked and remove per Federal Law FCRA.