23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Company included is Transunion. They have charged me XXXX dollars a month for their credit monitoring service. I do not remember signing up for it, but it isn't my complaint, as I know people click click click and do things they don't mean to. I cancelled the service around 2-3 months ago. I received the message on their website " you have successfully cancelled your service, it'll continue until the end of the month '' or whatever. I check my credit card again, and it's being charged from transunion again. I go back and repeat the process. There are a couple issues with their process. It's impossible to find the cancel subscription option from the profile page. I can not delete my credit card from my profile so the issue doesn't happen again, and I can't delete my account without calling them during the day. They need a delete credit card option, along with a 'cancel subscription ' option which is accessible from within the profile and isn't hidden through some backdoor. Further, their option to cancel the subscription needs to work and not continue regardless of what I'm asking of it. I missed 7 months of XXXX dollars which is adding up quick. There are no visual indicators, after the initial message, that my subscription has ended. How do I know if i'll continue to get charged next month? I literally don't know if what I did worked until it either happens or doesn't happen. You can tell from the screenshots that the transunion cancel subscription url is similar to the profile page. I couldn't find the page from within the profile and had to do a XXXX search on how to cancel the subscription. Upon navigating their website, you'll see what I mean.
Product: Credit reporting or other personal consumer reports

Experian XXXX agency has failed to provide me with their method of verification of a disputed account. Additionally, they have not provided me with their proof that the account is correctly being reported.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2019, my XXXX XXXX credit card was offering an interest free balance transfer for 18 or 24 months. I took advantage of this offer and requested a balance transfer from my XXXX Credit Card balance of {$4200.00} to my XXXX XXXX XXXX XXXX. XXXX forwarded to XXXX a check thru a third party in the amount of {$4200.00}. I have a copy of the cancelled check, email verification from XXXX to XXXX they received this check. XXXX indicated when they scanned the check to get the funds transfer from XXXX their scanner only picked up the XXXX not the total amount of {$4200.00}. So how do you deposit a check and only get partial deposit? XXXX has yet to answer this question. 
XXXX charged me the full amount of {$4200.00} which I paid off. 
XXXX still charged me {$4000.00} and expected me to pay this amount to them. 

I can not find the {$4000.00}, XXXX said it was sent to XXXX and XXXX said they didnt get it and I need to pay it. I hired an attorney who was only able to go as far as I did. 

These are huge financial institutions and I can not go there and go thru their records. Someone at XXXX has the money and they expect me to pay {$8000.00} for a {$4000.00} balance. I have filed complaints with Transunion and XXXX and the XXXX 

My credit report is showing a charge off like I didnt pay this bill which I did!!! Please help. I have been fighting with these banks for 3 years! I need help! I have copies of all these documents.
Product: Student loan

in  XXXX  I applied for Stafford loans to attend graduate school in the amount of {$500.00} and {$2800.00}. After   XXXX   obtained the money, they said I required a dummy math course. Nelnet serviced the loans. I became suspicious or over stressed by the course as nothing went through properly. Long story short, I requested that the money be sent back to the federal government, I became  XXXX  due to   XXXX   XXXX   then I lived out of my car in  XXXX . I only worked at a   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ( LHI ) and that was less than 20 hours a month ; if and when I could get selected. These loans have been bounced around with nelnet, then yet another loan servicing entity. I can not seem to get any response. I do not know how much I owe and more importantly where is the money? my social security check are being garnished again. This makes the 4th time and I have reached out to   XXXX   XXXX   office, and other educational entities. I am worried that I will not be able to make my rental payments and do not want to once again be forced to live from my car. I seem to not be able to get anyone to give me an accurate accounting Currently my Stafford student loans are being misplaced and my social security checks are being garnished {$240.00}. per month for a loan of less that {$4000.00}. From what I learned, the interest has been accruing and I have been charged twice for loan servicing. Plus the money is still in an account at  XXXX . I live on less than {$2000.00} per month and my rent is {$860.00} and am obviously worried. If someone has the authority to do this to me, with a   XXXX   XXXX   in   XXXX   XXXX  ,  XXXX  years old and a naturally born citizen, I think even if I could borrow money from someone ( which I ca n't ), that is n't the issue that needs to be investigated.
Product: Money transfer, virtual currency, or money service

I was approved for financial assistance with an animal rescue I volunteer for. First time using zelle, after clarifying with Sofi customer service about my daily limit I resubmitted my request to comply with the limit and they restricted my account. I got a call Wednesday night they were unable to confirm their call to me and why I was requested to call back. This morning I woke up to a restricted account.
Product: Vehicle loan or lease

I had a negotiable instrument sent to the Westlake financial payment sept to pay off the loan of my car. I requested that we over pay that way any hidden taxes or fees are paid for. The XXXX XXXX department that handles the payments for Westlake Financial denied my negotiable instrument and kept the property without sending it back, they only sent me copies and not the original that was sent. I will attach what Ive sent including the tender instructions, negotiable instrument, and the affidavit I sent. I also attached XXXX of XXXX letters they sent in a week span stating my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have expressed that there were multiple fraud accounts and inquiries placed on my credit file over the past few years and Equinox, XXXX and XXXX are continuing to report fraudulent information on my credit file.
Product: Money transfer, virtual currency, or money service

I've been dealing with PayPal since I think XXXX or XXXX, I am not receiving the money that was promised to me it's been four or five years I've been dealing with situation I want my money that was issued or promised to me .. can y'all resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care about this matter. I demand that you will remove all the inaccurate informations on my credit file that are unknown to me. Failure to comply will results in legal actions against you so kindly follow the law. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to TransUnion ( XX/XX/2021, XX/XX/2021 as well as others ) asking to prove or remove inaccuracies on my credit report. I never received proper validation nor was the errors on the accounts removed. 

Please see attachment for latest letter sent to TransUnion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, a financial institution and furnisher of information, along with EXPERIAN, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX XXXX XXXX and EXPERIAN being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX and EXPERIAN do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication XXXX, Chapter XXXX regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states 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. XXXX XXXX XXXX XXXX and EXPERIAN are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX XXXX XXXX and EXPERIAN have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Debt collection

STERN RECOVERY SERVICE a collection agency has placed a derogatory account on my credit reports THAT I HAVE NO KNOWLEDGE OF. they are attempting to collect on an alleged debt in the amount of {$310.00} for their client : XXXX XXXX. 

I never received a notice from XXXX that they were collecting on a alleged debt from XXXX XXXX. I was never given my right as a consumer which is federal law the opportunity to dispute this debt nor was i ever allowed to request validation of this alleged debt they just place this unknown / invalidated information on my reports as if it were valid when in fact it is not. This is a direct violation pursuant to the FCRA, FDCPA, and the Fair Credit Billing Act ... ... and possibly the HIPAA Act Additionally, North Carolina Courts allow for reasonable time to investigate into the facts regarding validation of a debt ... .reasonable time that I was never allowed
Product: Credit reporting, credit repair services, or other personal consumer reports

There 3 accounts on my report that show dispute and i have advised the bureau several times that the company informed me that the accounts are out of dispute, however the dispute still shows on my credit report. I asked the credit bureaus to remove the dispute and they keep telling me it is, but it still shows. i would like the disputes to be removed since i never requested a dispute and the companies keep telling me that it is in dispute.
Product: Vehicle loan or lease

I ca||ed in to ask that, given everything thats going on and the fact that I am now being made to stay home, can I move the next two months of payments to the end of my loan. Thats it. What did I get? 

" Call back on your due date. We can push out your payment two weeks, but youll be charged a {$5.00} late fee for each of those days. Have you thought about filing unemployment? I also heard XXXX and major grocery chains are hiring right now. Are you kidding me? This is how you treat people? A friend of mine called her XXXX dealership and before she could even ask they OFFERED her 13 months be moved to the end of her loan ; no fees, no paperwork. We are in the middle of a global pandemic. I shouldnt even DRIVE my car right now! People are looking to you to do the right thing, not the profitable thing. I have said that my experience with XXXX has been amazing, but if THIS is the care we get on the back end, its not even worth it. Do. The Right. Thing.
Product: Debt collection

I was refused application for a credi card today because of a credit problem noted in my XXXX report. t learned when I logged into the my XXXX  site that GREAT AMERICAN FINANCECO claims that I have a debt as follows : Date opened XX/XX/XXXX Balance {$4200.00} Status : Account charged off. {$3500.00} written off. {$4200.00} past due as of XX/XX/XXXX I called Great American Finance Co. and learned that a debt was incurred in my name for a purchase on the date above. It may have been a purchase in XXXX. They were not able to tell me the details of this purchase. I never made such a purchase and was unaware of this issue until I tried to obtain a XXXX credit card at XXXX today. 

This debt is the result of identy theft. I am unaware of what form of identity, credit card, debit card, real id, was used, but I think Great American Finance Co. is withholding this information until I file a police report. 

I am trying now to file a police report,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

XXXX XXXX XXXX offered to a small business XXXX XXXX, a C-corporation incorporated in the state of New Jersey , business line of credit for {$92000.00} on XX/XX/XXXX, a product called XXXX XXXX XXXX XXXX XXXX XXXX at the variable interest rate of XXXX XXXX XXXX XXXX XXXX 2 %. Business started using this line of credit as the main source of liquidity, and ended up using the whole limit. With no default of any kind from the business, XXXX  XXXX XXXX unilaterally and shockingly ceased this line of credit on XX/XX/XXXX ( the Expiration Date ) and converted it in the term loan at much higher rate of 7.5 %. This is an illegal business practice of bait and switch. This conversion killed the liquidity of the business which was started in XXXX and was employing multiple employees in the critical growth stage, and resulted adversely ultimately the closure and dissolution of business in XXXX Business tried to make the payments till XX/XX/XXXX but had no funds left leaving the remainder of {$32000.00}. This loan which was a genuine business bad debt, XXXX XXXX XXXX sold on XX/XX/XXXX to an overly aggressive debt collection company KEY STAR CAPITAL FUND II, LP, which sued on XX/XX/XXXX the business and the business owner adding unreasonable legal fees and interest. Because business was closed, the collection company through their law firm XXXX XXXX XXXX XXXX XXXX XXXX went after the real-property of the poor business owner and obtained judgment abusing the legal system and now making the business owner and his children homeless by having a Sherrif sale of his real property on XX/XX/XXXX. It is a highly time sensitive stressful situation which if not immediately intervened and resolved will have irreparable and irreversible damage on the innocent victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied 2 loans last week because TransUnion does not have a credit file on me. I called TU last week and they sent me a report in which I found they have wrong information about my name, only one creditor reporting ( when i have plenty of Credit Cards, Auto Loans and 2 mortgages ).

After reviewing my report I called TU again and XXXX ( the person that took my call ) told me that I have to call every single of my creditors and ask them to report to TU!. Well that would certainly will take weeks of my time. The funny thing is that XXXX and XXXX  have the correct information on my file ... and it is hard to believe that all my creditors are conspiring against TU and they don't send the info to them ....
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. 

Accounts : XXXX XXXX XXXX XXXX ; XXXX 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 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, 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 they information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX Balance : - XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am filing this complaint against Regional Acceptance Corporation ( RAC ) for violating the Fair Debt Collection Practices Act ( FDCPA ) in the following ways : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : RAC placed a collection account on my credit report without providing the required validation information within five days of initial communication, as mandated by 12 CFR 1006.34 ( b ) ( 5 ). 
Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( I ) ) : I have not been given a chance to dispute the validity of the debt, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

False, Misleading, and Deceptive Practices ( 15 USC 1681-S 2 ( 7 ) ( A ) ) : By reporting the debt without proper validation and denying me the opportunity to dispute it, RAC is using false, misleading, misrepresentation, and deceptive means to collect the debt, violating 15 USC 1681-S 2 ( 7 ) ( A ). 
Unauthorized Furnishing of Information ( 12 CFR 1006.34 ( d ) & 15 USC 1681a ( 2 ) ( a ) ( 1 ) ) : RAC has no authority to furnish this account to a credit reporting agency without providing the required disclosures by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681a ( 2 ) ( a ) ( 1 ). 
Consumer Transactions Exclusion ( 15 USC 1681a ( 2 ) ) : I understand that under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( 2 ) ( a ) ( 1 ), consumer transactions are excluded from consumer reports. However, this exclusion applies solely to information about transactions directly between the consumer and the reporting entity. It does not apply to collection accounts, which involve a third party attempting to collect a debt. 

Additionally, XXXX  scores and other risk scores are separate from consumer reports. While these scores may consider information from consumer reports, they are not themselves considered consumer reports under the FCRA. 

Regional Acceptance Corporation filed a 1099-C Debt cancellation with the IRS and still trying to collect a debt that is not mine. 


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Product: Bank account or service

My bank overdrafted my account by taking out a {$35.00} overdraft fee before taking the charges out therefore I was over 2x which started a snowball of overdraft fees and issues. They then charged me overdraft charges for my overdraft charges, thus charging me 2x for XXXX overdraft. The put a check thru my account, overdrafted my account, bounced the same check and charged me a returned check fee 2 days in a row for the same check. The continue to charge me overdraft fees and sustained overdraft charges. They are now threatening to close my account and denying my automatic charges when the account is current.