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

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). The student loans should not be reported on my credit reports by XXXX, Experian, or XXXX. They should be removed asap as this has hindered me from getting countless approvals for credit cards and car loans and mortgages because of the debt to income ratio. Credit reporting agencies have a duty to follow the law. If they would have followed the law many people would be in better positions. Experian XXXX, and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by XXXX5 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, XXXX, XXXX, ( Furnisher of information to credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item that needs to be deleted.
Product: Credit reporting

On XXXX XXXX, 2015, I requested by phone, my free annual credit report from all three credit reporting agecies. It was indicated that it would take fifteen ( 15 ) days to receive the reports. As of today, I have not received any reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States I have a right to privacy.

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

I was contacted on XXXX XXXX, 2017 at work by someone named XXXX XXXX who said he was with D & A Services, a debt collection agency. He said I owed a debt that actually was paid many years ago. He said he sent me information in the past but I did n't respond to it. I never received any information from this company in any form. I do not owe any debt to the company he was referring to. He was very persistent. After looking up information on this company, I 'm afraid they will use my information for some scamming or fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on XX/XX/2023 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 A. SECTION I. I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SEC 604 A.SECTION 2. STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 



XXXX XXXX XXXX XX/XX/XXXX {$940.00} XXXX XXXX XXXX XX/XX/XXXX {$960.00} XXXX XXXX  XX/XX/XXXX {$450.00}
Product: Money transfer, virtual currency, or money service

XX/XX/2020 Card purchase CASH APP*CHRISTIAN XXXX CA XXXX {$1000.00} Details Description : Card purchase CASH APP*CHRISTIAN XXXX CA XXXX Date : XX/XX/2020 Type : Debit I had an agreement for a rental that was sent with an agreement to sign. I discovered after that the rental was not autherized to be used under this person. They had me pay with XXXX and I issued a return within XXXX hours of doing so but the user declined. I never recieved this rental and I called my bank to dispute that very next day. The just now issued a credit reversal saying they can not confirm because of a XXXX party. I called police and gave them all the details as well. The user name was XXXX for XXXX. XXXX user - craigslist XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. DISCOVERBANK XXXX
Product: Credit reporting or other personal consumer reports

Experian failed to properly investigate and correct inaccurate information on your credit report, violating the Fair Credit Reporting Act ( FCRA ) by including false or misleading details that caused you demonstrable harm, such as denial of credit, employment, or housing due to the error on your report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent repeated letters to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX asking that they validate the debt that they are showing on my Transunion Credit Report. I have sent XXXX letters and have proof of delivery for both. It has been well over 60 days and I have not seen a response. 


XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Debt collection

On XX/XX/2016 I received communication from Blatt, Hansenmiller, Leibsker & Moore LLC attorney office. The entity supposedly represents XXXX XXXX XXXX Successor in Interest of XXXX account XXXX. I 've never been in communication with XXXX XXXX XXXX nor received any correspondence that they have authority to collect any such debt from me. What I do know is that XXXX XXXX XXXX is a debt buyer who purchase massive amounts of debt for pennies on the dollar. Then hire entities like Blatt, Hasenmiller, Leibsker & Moore LLC to send debt notices and if the debtor does n't respond, this attorney office will file a judgement to garnish wages. Never providing proof of their authority to collect and if the debtor is time-based. 

On XX/XX/2016 I responded to the debt notice asking several questions in regards to who this attorney office was, if my debt was time-based and to show proof they own the account. They sent me several credit statements from various years but never answered my questions.
Product: Debt or credit management

I just told them it was not me and it still on my credit
Product: Credit reporting or other personal consumer reports

After receiving numerous emails regarding hard inquiries, I decided to review my credit report and found several inquiries that I did not recognize and believe to be fraudulent. Consequently, I have filed a report with the Federal Trade Commission ( FTC ) regarding suspected identity theft. The following inquiries on my Transunion report are unauthorized and should be removed. 

XXXX. XXXX- XX/XX/year> XXXX 
XXXX. XXXX XXXX  XXXX - XX/XX/year>. 
XXXX. XXXX XXXX XX/XX/year>. 

Please take the necessary steps to address this issue promptly.
Product: Credit reporting or other personal consumer reports

In XX/XX/ I had a collection account placed on my credit reports. The company, XXXX XXXX advised they were attempting to collect a debt on an account that is not mine. I have placed fraud alerts on my credit reports and disputed the erroneous information. I also have completed a FTC Fraud affidavit as recommended and attached. Also is correspondence from the collection agency indicating they would be removing this information from my credit reports. Please see attachments.
Product: Credit card or prepaid card

Tjmaxx at least in the XXXXXXXX XXXX region and its affiliated companies are trainings its store employees to mislead people into signing up for their credit card by asking to sign up for the rewards card or rewards program. 
This statement led to my confusion on what I was being asked to sign up for as I thought it was a general rewards situation where you earn rewards like with a phone number and email I was alarmed when the device to punch in my information wanted my social security number and hit cancel and asked if that was for their credit card to which they said yes. Its not the employees fault but they may be tricking a lot of people into signing up for the card
Product: Credit card

I reserved a stay at a property in XXXXXXXX XXXX for XX/XX/2024 owned by " XXXX ''. The reservation was made via a company in XXXX, XXXX, " XXXX ''. I financed the purchase through Affirm.com. The property did not match the advertised description as there was no convenient parking as promised and so we could not and did not stay. XXXX acknowledged the error but told me it was because of " local property conditions as provided to them by the owner had changed ''. They declined to accept responsibility. I then disputed the transaction with Affirm. The only way to do that was via text. Affirm does not have humans that you can speak with. After reviewing the messages I provided them from XXXX, they merely said that I am responsible for the charges.
Product: Checking or savings account

My Wells Fargo checking account has been hit with overdraft fees every month over the last 2 years or so.
Product: Credit card

We were on vacation out of the country for two months. We paid the credit card company in advance for expenses that would occur while we were gone. I arranged this and notified the Capitol one visa card in advance. While were were gone they sent a check for the positive balance we had for the second month while we were gone. When we returned home I sent them XXXX checks. I confirmed they received XXXX check. The other they stated they did not have. They told me to contact my bank and put a stop payment on the check. I did that. I requested a raise in the credit card limit. They sent me a letter stating they could not raise my credit limit due to a stop payment. I tried to explain with no resolve. I must admit I lost my cool with them during this discussion. They told me they raised my credit limit a few weeks prior. I asked them why no notification? They did not raise it, this was a lie. I told them we have excellent credit rating and I did not want them tampering with it due to all there errors. 
Our error was paying in advance in good faith. I would suggest to others to use great caution dealing with this company. I should be noted that prior to this conversation they awarded us XXXX air miles for the hours we spent on the phone with them.
Product: Credit reporting

Sent certified letter of acct inaccuracy for XXXX XXXX XXXX in XXXX, followed up with faxed letter in XXXX of inaccuracy. Special Handling dept verified that they had received a certified letter and the fax, but they deleted a different XXXX acct that I had sent a notice of dispute on inaccurate payment history. I explained that they had deleted the wrong acct and the one that they did delete was my account but that they payment history was inaccurate. I was then told that they had applied the certified mail letter and the fax letter to this acct. I explained that I did not send a certified letter for the acct that had the inaccurate payment history only a fax that had that acct number on it. They refused to put my account back on even though I told them that I never disputed that it was not my acct as it was and that the payment history was what was being disputed as it was wrong. They left the inaccurate XXXX acct that should have been removed and deleted my XXXX acct that had the inaccurate payment history. According to my understanding of the Fair Credit Reporting Act, their duty as a creditor/reporting agency is to accurately report on all accounts and to correct any and all mistakes as found by their accounting department or by myself as the consumer. I thank you in advance for upholding the federal law as dictated by FCRA, and removing the inaccurate acct immediately and remedy the acct that was deleted when only the payment history should have been remedied.
Product: Vehicle loan or lease

XX/XX/XXXX to current my payments missing are {$4000.00} Ally has taken from my bank money through their XXXX party processor XXXX car payments and not posted them. They tell you call XXXX and XXXX says they Ally are stealing money and not posting. Also they charged me wrong interest rate. Late fees they changed due date they began charging late fees without permission my due date is as contracted on original XX/XX/XXXX due date plus 10 day grace. I have asked them numerous times to apply my money I sent bank statements to XXXX address and no correction yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX Not my account. Please Verification and Method of Verification. 


XXXX XXXX # XXXX Payment history and dates OPEN and Status are inaccurate, please provide verification of late payment  and method of verification. 

XXXX XXXX # XXXX Payment history and dates OPEN and Status are inaccurate, please provide verification of late payment  and method of verification. 

XXXX XXXX XXXX # XXXX Please provide the original instrument of indebtedness. The dates, balance, high balance is inaccurate on this account. Provide the method of verification and validation of debt. 

XXXX XXXX XXXX # XXXX Please provide the original instrument of indebtedness. The dates, balance, high balance is inaccurate on this account. Provide the method of verification and validation of debt. 


XXXX # XXXX I was never late, please provide Method of Verification of late payments.
Product: Credit card or prepaid card

This complaint concerns a problem with  Captial One Venture Card  mileage reward program. In order to take advantage of approximately   XXXX   miles of a  Venture Card re ward, I got onto the online booking program that  Capital One  uses to grant rewards. In looking for a roundtrip flight to   XXXX   XXXX  , I was quoted a trip for approximately {$1900.00} dollars for the flight depending on surrendering my  XXXX  miles. In the process of coordinating the flight with my wife, I learned that the same flight by the same airline was being offered at {$1900.00} directly on their site  ( the airline wa s  XXXX   ). This is  the same price that  Capital One  's online site was offering based on surrendering my  XXXX  miles. The  XXXX  miles is supposed to be equivalent to approximately {$820.00} dollars. Thus in essence , Capital One w as providing no discount at all on its online site and was taking {$820.00} from me without batting an eye. This seems to be outright fraud to me, since I learned that one can make one 's own deal with an airline and then have the mileage value ( here {$820.00 } ) tak en from the credit card bill if  one uses the Venture Card to pay for the transaction. Thus, I ended up paying only {$1100.00} for the same flight. I called Capital One to find out if they knew about this discrepancy on their web site they were using. Discussions with Capital One 's legal department made it clear to me they were not interested in correcting the problem.They told me they had no control over the process, even though I told them they could issue a disclaimer on their website that the user would probably not get the best deal here and would probably loose their mileage benefit completely. Capital One 's legal department just continues to respond that they have no control over the process which is nothing more than a lie.
Product: Debt collection

Good evening, There are several debt collection companies on my credit report that have re-aged debts that were supposedly incurred over years ago. The names of the companies are Debt Recovery Solutions , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have included screenshots of what is being reported. These companies are reporting that I have opened these accounts as recently as a couple of months ago, which is false. I have only recently disputed items on my credit report to the credit bureaus directly. The credit bureaus stated that they followed up with the companies to verify the information and that the information was verified but the information is false and now my reports are reporting relatively recently opened debts. This is inaccurate and affects my credit score.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I used Lexis Nexis consumer portal to get a copy of my consumer report from them. They have not replied once to my request. I have called them via phone on XX/XX/XXXX and provided them with m y personal information they requested only so they could tell me that couldn't verify my identity. They will not give me my consumer report to view yet they will sell it and provide it too Auto finance companies that have denied me a loan due to my lexis Nexis reporting. I am a retired/disabled XXXX XXXX living in a XXXX XXXX XXXX  because I am being denied housing and credit to get a vehicle due to the information Lexis Nexis is providing paying customers with my personal information that I can not view. I am a victim of identity theft and have provided the three main CRA with all documentation. I told the customer service lady from Lexis Nexis this and she told me that she couldn't do anything for me.
Product: Credit card or prepaid card

I have a XXXX XXXX credit card. On XXXX, my XXXX XXXX card was charged {$160.00} and {$98.00}. On XXXX, it was charged {$170.00} on four occasions. These charges totaled {$980.00}. I did not make these charges. XXXX XXXX  did not alert me to the fraud. All six charges appear to be at XXXX and for sunglasses. I feel their fraud department should have flagged these purchases. I had auto pay set up on my XXXX XXXX card, so a payment was deducted from my checking account on XXXX/XXXX/XXXX. I called XXXX XXXX immediately to dispute the charges. I also closed the account. They stated they could not refund my money until it was posted to their records on XXXX. I called back on XXXX to request the refund, 2 times, I was told it would take 3-5 days. On XXXX, the credit still had not posted to my checking account. I called again today, XXXX, and was now told it would be another 3-5 days to receive the credit. This person stated they can not even initiated a refund until my payment has been posted to their records for 5 days. That is too long. I asked what if I had not called back, no response. What if I really needed those funds, no response. Just appologies, but no offer to do anything more. My main complains are : 1. These purchases should have been flagged when they initially occurred. 2. When calling in there is no option to go to a fraud department. 3. The XXXX XXXX representatives are not adequately trained on XXXX XXXX credit card fraud policies and procedures. 4. Resolution is not speedy enough. Thank you for any help.
Product: Debt collection

I have received a default judgment and have a lien on my personal property and an income execution in the amount of {$4900.00} on the behalf of Citibank at XXXX XXXX XXXX XXXX. I was sued on their behalf by attorney XXXX and XXXX at XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX. I have no knowledge of this debt and this is supported by my official credit report across the three credit bureaus. Pursuant to 15 U.S.S. Code 1692 ( c ) admission of liability, this default judgment is unlawful because the law states that my failure to dispute the validity of this debt in court can not be construed as an admission of liability and therefore no judgment should exist.
Product: Debt collection

Hello so I got some papers from Armada corp saying I have debt I am willing to pay but just some of my mail has been going to my old address and Im not really getting a lot of them I tired paying in my chart but it says I went to debt and today I received a paper in mail about it going to collections
Product: Mortgage

Theres bankruptcy showing on my mortgage credit report, i never filed bankruptcy on my mortgage and i asked them to remove but they told me they cant because of Fair credit act! 
My current mortgage is Freedom Mortgage
Product: Money transfer, virtual currency, or money service

Through Venmo I transferred? XXXX and XXXX in XXXX transactions on XXXX day. The funds were then transferred to a unauthorized account without our permission. Below is a picture of the XXXX XXXX account they were made to. 
Venmo has a phone number which just steers you back to their robotic question page.