23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX  XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a 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 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: Credit card

Goldman Sachs has failed to properly investigate identity theft that occurred by someone I knew who used my identity to commit fraud against goldman sachs and myself. They have been provided numerous police reports and identity theft reports but decide they are above the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling and trying to get resolution from this account over a year. My card was stolen and used. They only provide a statement as proof. They have passed this account off so many times. Its all illegal. I contacted them and was called back my their attorney XX/XX/XXXX @ XXXX XXXX XXXX she stated that she would resolve this matter and get back to me.i heard nothing. As assumed since the games and paperwork never get to anyone and they no nothing. I contacted again XX/XX/XXXX @ XXXX and spoke to XXXX XXXX and he said I cant talk about this account or help you. I will seek legal action At this point its all a runaround. They also act like they dont know case references numbers. No one takes responsibility it says XXXX XXXX XXXX gave to Rasch Sterm they both sent letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice from credit monitoring service that hard inquiry was placed on my account for Application for credit card with XXXX XXXX. I did not authorize or no anything about this. It is fraudulent and I want who ever did this caught and my credit report repaired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an XXXX XXXX credit card through XXXX XXXX XXXX. 
i was denied as it stated " I was currently or have recently been enrolled in a consumer credit counseling service or reduced payment plan ''. That is not me, but my ex husband. 
The report was through experian.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX Account number XXXX Request for Removal of Unauthorized Inquiry Pursuant to FCRA Section 1681b ( a ) ( 2 ) XXXX Transunion XXXX and XXXX XXXX I am writing to complain an unauthorized inquiry that appears on my consumer credit report. Pursuant to Section 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I did not provide written instructions or consent for the disclosure of my personal information for the purpose of obtaining a consumer report. This unauthorized inquiry is in violation of FCRA regulations and constitutes potential identity theft. The unauthorized inquiry has resulted in credit denials, causing significant financial harm and potential damage to my creditworthiness. Under Section 1681n-B of the FCRA, I am entitled to pursue civil liability for willful non-compliance, with potential damages of up to {$1000.00}. In accordance with FCRA guidelines, I request the immediate removal of this unauthorized inquiry from my consumer credit report. Removing this inquiry is essential to safeguarding my identity and protecting my credit standing. I kindly request a thorough investigation into this matter and prompt action to rectify the unauthorized inquiry. Upon completion of your investigation, please provide written confirmation of the removal of the unauthorized inquiry from my consumer credit report. Thank you for your attention to this urgent matter. I trust that you will handle this complaint in accordance with FCRA regulations and take appropriate steps to resolve it promptly. 
Sincerely, XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I was contacted by Recovery Management Service on a debt they said originated from XXXX University Online which I had previously attended starting in XXXX to pursue a XXXX XXXX degree. All of my payments were from Student loans and this handled through FAFSA.When I withdrew from XXXX in XXXX or so due to personal commitments they had done some creative accounting by charging for classes I had not taken, then sending back all of my student loans and grants from the current and previous Semester. This in short showed I had a debt to the school for {$9900.00}. This had happened once before with them when I dropped out in XXXX they sent my federal funds back and claimed then a balance of {$10000.00}, Some months later when I was contacted by the school I agreed to re-enroll after they corrected the accounting error in which XXXX admitted they made a mistake and re submitted for federal student funds and I had a small balance of {$630.00} for a dropped class. This time I did not re enroll as I found the communication and service very lacking and decided to look elsewhere, when I did the same thing happened and now RMS is saying I owe this debt. But in XXXX XXXX and its parent company were closed down to misuse of Student Loans, they essentially sent back students funding but instead kept the money for personal expenses. I have tried to no avail to sort this out with RMS but it is difficult now that XXXX has been shut down essentially because the Federal Government would not send anymore student aid to them and they filed for Bankruptcy closing all campuses. I have contacted them but have left several messages to no avail.
Product: Credit card or prepaid card

On XX/XX/2018 I tried to register my citi credit card online. I lost the old card so they put my online account access on hold. After talking to different customer service provider who transferred me to technical support. First time I waited 30 mins and the second time I waited 1 hr and 12 mins to get some one to help me. After filling the complaint about wait time and issue not being resolved the second rep assured me that its fixed. After getting of from the phone call I tried to register the new card and get my online access which didnt work and issue is still pending. I cant access my online account and cant make payments. The citi bank is charging me extra to make the payment over the phone. Its not fair for them to not fix my issue and use an excuse to make extra money by forcing me to make a payment over the phone.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Vehicle loan or lease

On XX/XX/XXXX I attempted to make a payment in total of {$460.00} using the Toyota Financial Services ( TFS ) website. When I attempted to submit the payment, I received an error message that something went wrong on their end, and to try again. Following this prompt, I attempted the payment again. After this, two payments of {$460.00} appeared on my account and I confirmed with my checking account that two payments did in fact debit my account. I called the Toyota Financial Services customer service line at XXXX. I was told that since the payments were in process, they could not stop the payment. The customer service agent then advised me that I should move funds around in the account in attempt to stop the payment from going through. I rejected that suggestion and requested a refund. The customer service agent said she would process the refund. After 27 days ( XXXX business days ), I have still not received the refund. My second call was placed on XX/XX/XXXX where I was told there may be a delay and I should expect the check in the mail within a day or so. When I did not receive the check, I called back asking for a manager. I was not able to speak to a manager but was told the check was processed on XX/XX/XXXX. This was 13 days, XXXX business days, after my original call. As of XX/XX/XXXX, I still not have received the refund payment. I called the TFS customer service line for the fourth time, requesting to speak to a manager. I was not given a manager to speak two, instead I was told that they identified an issue and re-cut the check on XX/XX/XXXX. I still wanted to speak to a manager since this has been going on for 27 days and counting, the advise I was given from the start seemed suspicious, and I was told different dates from each person I spoke to. I was told a manager would call me back within two hours. I still have not received a call from a manager. This seems suspicious as I did not consent to two payments being taken out of my account. The TFS website instructed me that something went wrong and to submit payment again. After nearly a month I have not received payment causing financial loss and damages. These practices seem very similar to those Toyota was fined for in late XXXX.
Product: Credit card or prepaid card

Bank : Golden 1 credit union Card : Visa I was double charged {$150.00} twice by XXXX XXXX on XX/XX/19. I contacted the merchant XXXX XXXX in XXXX, ca and they said they only charged once when my statement shows {$150.00} twice. I contacted golden 1 to dispute the charges and they are refusing to return my {$150.00} back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was accepted into XXXX XXXX program by XXXX college, they do background checks before admission I informed of previous charges. Was told I was good to go, gave XXXX for registration fee and started class XX/XX/XXXX. Went through whole course and completed even given class completion certificate. ( Still have ) Well they had a couple of us double check backgrounds before extern and of course the same system used during admissions pulls up my background they said " I was good to go '' on. Well the " XXXX '' charges ( because thats the main thing you cant have on your background when going to XXXX   school ). Walked into a house my friend was waiting at, didnt know older brother in that house sold XXXX to a undercover officer earlier that week. And me and my friend walked right into a XXXX   bust, everyone in the home was charged with the same thing since the actual criminal wouldnt admit. Date of offense was XX/XX/XXXX didnt get it expunged tillXX/XX/XXXX. So the school would have seen record during admissions and background check. XXXX from front desk at XXXX college XX/XX/XXXX did state over phone their background checks are accurate, if ever anything missed it wouldve came back with the first couple days after 1st Bckgrnd check. I have spoken with Director of Student affairs who has yet to find background check and stated withdrawal papers states i left do to transportation not realizing I COMPLETED CLASS COURSES, transportation had nothing to do with why i couldnt go to extern. I have filed and contacted Borrowers Defense and student loan comp etc. I was told best thing i did was keep Documents which will prove School Error and not Student error and that I qualify for removal. I have {$12000.00} in debt on acct that all 3 credit Bureaus are still reporting and I couldnt even get certified or use credits. It has my debt to ratio high and preventing me from getting Qualified for loans. I so desperately want to move my family in our first home but I am told I am a Couple thousands to high.
Product: Checking or savings account

I collected a payment via square six months ago. My account was immediately shut down. I requested the release of my funds and Square said the funds were on hold for 90 days then they would release. 90 days has turned into 6 months and they have refused to give me any information. The only thing they say is that an email will be sent to me. And there is no email or resolution. I have called the customer service and special department that deals with this problem and they all end up just hanging up on me. Or they transfer me to a voice recording that says an email will be sent and the machine hangs up on me. At this point Square has been in possession of my money for XXXX months. It is not their money. They haven't done anything to resolve the problem. They haven't tried to verify with the sender. They have left me with no other option but to publicly sue them. I don't know how anyone uses this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts listed on my credit report that were disputed. The credit reporting agency in return stated the accounts were verified. I know for a fact none of these accounts belong to me. I have spoken to each of the companies and they can not find anything with my personal information. When I talk to the credit reporting agency they refer me back to the company. No one is taking accountability to have these inaccuracies removed from my report. 

XXXX XXXX {$180.00} XXXX XXXX $ XXXX XXXX XXXX/XXXX  XXXX {$490.00} XXXX XXXX {$540.00} XXXX XXXX {$420.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX account number XXXX, companies, XXXX XXXX, XXXX XXXX XXXX XXXX date XX/XX/XXXX score XXXX. I was denied a loan reason Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Transunion, XXXX XXXX XXXX. Credit, account number XXXX, credit date XX/XX/XXXX XXXX. Application number XXXX, I was denied the reason Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high, also it says from XXXX XXXX XXXX XXXX XX/XX/XXXX score XXXX factors limited history for consumer at address, not enough debt experience, too few revolving accounts, XX/XX/XXXX Global lending services XXXX application number XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. Credit date XX/XX/XXXX XXXX no reason stated XXXX XXXX XXXX Bank, XXXX, Transunion, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX date XX/XX/XXXX, application number XXXX, was denied a loan reason Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high. XXXX XX/XX/XXXX score XXXX factors limited history for consumer at address, not enough debt experience, too few revolving accounts. 

XX/XX/XXXX XXXX financial services, XXXX application number XXXX, XXXX XXXX XXXX XXXX ram, XXXX XXXX application number XXXX. Score XXXX XX/XX/XXXX reason denial Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high. 

XX/XX/XXXX application number XXXX, XXXX Bank, XXXX, XXXX XXXX date of score XX/XX/XXXX XXXX XXXX XXXX. 
reason denial Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high. 

XXXX, XXXX application number XXXX, Truist, XXXX XXXX XXXX XXXX, reason denial Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high. Date score XX/XX/XXXX XXXX, reason denial Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high. 

XX/XX/XXXX XXXX account number XXXX, XXXX XXXX XXXX, date XX/XX/XXXX score XXXX reason reason denial Serious delinquencys and public records/so, Ratio of of balance to limit on bank revolving accounts too high, too many accounts with balances, Proportion of loans balances to loan amounts is too high.
Product: Debt collection

I have received an online letter from Discover recently reviewing my account without my knowledge Discover stated my credit transaction account is OPEN, but you have changed my account to a lower amount. Discover is aware that I have extended credit to your corporation in XX/XX/2019. Discover has violated me by using my credit report to have judged me by the character of information that was provided by a third party and not authorized by me. I was judged by an alleged negative character that Discover wasnt present to know for sure if the history provided is facts. Im writing you because my credit line should be an open-end credit plan not lowered to {$9400.00} You have already extended my credit from my credit card. Therefore, I demand you to re-consider my credit line to an open-end credit plan. 
If you are not able to provide me with an open-end credit plan, I would like my documentation evidence and I will ask for a right to rescission. As per the statements that have been given to me monthly there are many billing errors. As per Congress 15USC1666b, the statements that are given are not bills for me it is just a receipt. Also as per Congress 15 USC 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on any account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 
Discover has closed my account after the letter above was received. I didn't give permission for Discover to close my account.
Product: Credit reporting or other personal consumer reports

Hard Inquiries that are on my credit report. I am trying to remove them as I did not authorize the companies to run my credit report with XXXX, XXXX, and Experian. I already file an FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke with a representative at Equifax on XX/XX/XXXX. I requested the results for all disputes submitted after XX/XX/XXXX. The representative stated he was able to provide results for some but unable to provide me results for all disputes. I asked " does that mean Equifax does not have the results for these disputes '' and he responded " it is possible that is the case ''. I demand Equifax provide me with complete and accurate results for all disputes filed after XX/XX/XXXX including but not limited to the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i inquired about school loan consolidation with this company called earnest. the form was online and I did not know that they were going to check my credit they just said i can find out about lowering my rates on my loans. later i saw they did a hard inquiry on the credit file. The inquiry is on   XXXX   from  XXXX   XXXX ,    2017  ..I sent them a certified mail requesting them to remove it and they would not. I also talked to someone by phone at their company who also said they would not remove it although they had no evidence that i approved this inquiry. So now I am contacting you for help since they will not do anything about this.
Product: Checking or savings account

After having a very frustrating conversation with NFCU, I requested that my account be closed. NFCU refused to close my account, insisting that I agree to receive a new bank account number! I refused the offer because NFCU was making me pay NSF fees on account number XXXX XXXX XXXX, my second account change because of XXXX of my debit cards being compromised over a XXXX month period! 

I was forced to pay over-draft fees because of their no closing my account. I have XXXX separate loans with them and a credit card that is designed in such away, that I can never reduce my principal. I have lived with my account on some occasions being charge as much as XXXX for overdraft fees! 

When I asked NFCU to stop all debits on my account on XXXX XXXX XXXX XXXX XXXX, they refused. They said that they could not do so because I hadn't paid a balance of XXXX on my credit line! Using that as a reason to keep my account open so that they could continue to charge me NSF fees. 

I am stating that I want to be included in the current class action lawsuit against NFCU for their having abused and harassed me since I opened an account with them in XXXX! With fee charges and the compromising of my banking account 's security, my credit file is in the dirt ( XXXX ). 

I accused NFCU of abusing my rights on numerous occasions! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Debt collector calls my phone multiple times but does not speak on the other end. I have no knowledge of any debt from this collector. 

Moving forward, I request that all communications are via US postal mail. This debt collector does not have permission to call me or any person affiliated with me regarding this matter. 

I also request a written verification of this debt.