23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We opened the account in XXXX of 2019. We have several cards and thus have not used this card for purchases much. We did use the card several months ago. When we opened the card we agreed to open the card to make a large purchase and earn the rewards points. We just received a letter advising that the account was closed due to inactivity, however we were never notified that it would close for inactivity NOR that if it closed all points would be lost. I just called and spoke to a representative and she stated the account is closed and rewards are lost. She stated they are not required to notify us rewards will be lost. Had we received notice that the rewards would be lost we would have made plans to use the card to remain active. However, now the account has been closed and the rewards WE earned have been lost. It appears to me that this is a predatory practice - it does not seem fair or legal. What's to say the creditor is not running a report for accounts that have been inactive and closing those who have rewards to avoid paying those out? It would appear to me as a consumer that is what's occurring and this is a predatory practice and demand the account and rewards be reinstated and CFPB performs a full investigation on this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to resolve this issue. My name is XXXX XXXX and this complaint is filed by me. Experian will not investigate my claim. They responded by saying it was not me which is an insult to my intelligence and ability to read the FCRA that I used to help me. 

Please remove all late payments from my mortgage account. I account in forbearance and should be reporting late. I have never been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : 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

In XX/XX/XXXX I filed a dispute for idenity theft and included a police report and an identity theft report required by credit reporting agency Transunion. The list of disputed accounts on id theft report were deleted..The problem is that transunion additionally deleted all other accounts within my reports that were positive accounts and that were NOT INCLUDED ON MY IDENTITY THEFT REPORT. tHIS ACTION LEFT MY ENTIRE CREDIT REPORT COMPLETELY EMPTY WITH NO TRACE OF ANY CREDIT REPORTING WHATSOEVER. My report was left unable to even generate a credit score at all. 
Transunion additionally communicated to XXXX and XXXX information regarding the wrongfully deleted positive accounts causing both of these agencies to also Delete accounts thst were not reported as Fraudulent accounts and this caused my other two reports to become completely erased and unable to to generate credit scores. I was left with no agency having any trace of any account to report at all. I had a XXXX credit score across the board and to lenders it appeared as if no credit had ever existed. Additionally the accounts were also prevented from re-reporting the information back onto my reports and I have been unable to get Transunion to replace the deleted accounts or remove blocks from my positive credit accounts so that the bank could reenter the information that should have never been deleted. Please force transunion to go back to when this action took place and put the accounts that were not included in my identity theft reports back on my record and correct this issue. This is necessary as these accunts were damaged and deleted directly as a result of transunion and they are responsible to fix what they have caused without the need of financial institutions being forced to re-enter old information that they are unable to do since theyre attempts to do this already were unsuccessful for the reasons that transunion has further blocked the re-entry of the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2018, I have reached out to a creditor who is reporting negative/inaccurate information that is reflecting on my credit file. I have contacted Consumer Portfolio Services several times asking them to verify the information that they are reporting to the credit bureaus in reference to this particular auto loan. Despite my many formal request under the FCRA requesting that they validate the trade line and send me the verifying documents, which I am entitled to under FCRA Section 616, and 617. They have yet to have done so, I have also sent several letters demand that the unverified trade-line be removed from my report immediately, All attempt have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Santander Customer account reporting to the credit bureau has inaccurate information. My credit is being effected by the inaccurate information that is being reported by the agency. According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract. Any and all accounts that you post on my credit. I demand to see verifiable proof In writing of this account. Under the FCRA unverifiable accounts must be removed. I am demanding that the account be verified or removed from my credit report. I have disputed this account previously and the agency has yet to provide documentation or remove the account from my credit bureau report. Under federal law you have 30 days to complete the re-investigation. I am asking that you provide documentation with 15 days of re-investigating. I am also requesting that all inquiries on my credit be removed from the agency.
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 reporting consumer rights to privacy and confidentiality under 15usc 1681, accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ma XXXX Accounts # XXXX XXXX XXXX number # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Az XXXX Also XXXX XXXX accounts # XXXX Accounts # XXXX Accounts # XXXX 15 u.s.c 1681 section 602 15 u.s.c 1681 section 604 Reporting agency can not furnish an account without my written authorization consent.

Also any negative items report on all my 3 credit bureau must be '' Deleted '' and removed from my credit report.

Sincerely; thanks I appreciate.
Product: Credit card

On XX/XX/XXXX I made a letter to USAA with details on the scam I fell victim of on XX/XX/XXXX. {$93.00} was spent on " XXXX XXXX XXXX '' supposed device endorsed by XXXX XXXX. In detail I provided the original website to the supposed legitimate product and provided also a report from XXXX, a scam tracker website, of another individual who fell into the trap of the same scam and reported that XXXX reimbursed them without issue. USAA claims that I don't have enough sufficient information and therefore has closed the case despite there being room to exercise good faith on a common issue among consumers. The website link to the supposed product does not work anymore, which is reason to believe that it was a scam. 
Many people are falling for more scams as scammers are becoming more clever. I expected to be represented and given a lecture on scams but instead am being forced to pay on my credit card.
Product: Credit reporting or other personal consumer reports

In Accordnace with the fair credit reporting actXXXXXXXX account # XXXX, has violared my rights. 

15 USC 1681 section 602 states I have th eright to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions.

15 USC 1666B : A creditor may n treat a payment on a credit card account under an open end consumer credit plan account as late for card purpose
Product: Vehicle loan or lease

I am XXXX vet I can no longer afford the payments for the vehicle I tried to even talk to Audi financial to explain I just want to transfer to vehicle out of my name into another person name who would want to have the vehicle and they are giving a hard time
Product: Payday loan, title loan, or personal loan

check n go charged off my account 2017, was sold to debt collector. XXXX CLAIMS State of NM CASE # XXXX are going to sue me, claims they are attorney, Calls 30 times a day from unknown number and XXXX, XXXX, i recently disputed error in credit report which gives them notice to stop calls and provide me with documents loan is them Check N go, asked them to remove my employer number at work which they said they can not remove.
Product: Mortgage

According to the cfpb website, I have been eligible for PMI termination for quite some time. I called Specialized Loan Servicing and inquired about this and was told by the first representative that I had to have 80 % equity before I could drop my PMI. After researching your site, I called back and got another representative and was told that the aforementioned representative was incorrect and it was actually that my principal needed to be 80 % of the original value ( in other words I had to have 20 % equity ). I asked how much equity I currently had and was told almost 50 %. I explained to the representative that if that is true, SLS should have cancelled my PMI years ago. I was told a request to look into this matter would be sent in and someone would call me back within 10 business days. It has been more than 10 business days and I have not heard anything from anyone.
Product: Payday loan

I took out a payday loan for Speedy Cash for XXXX and my fees and everything went to XXXX, I was n't expecting those charges
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last 4 of Social Security : XXXX XX/XX/1993 XXXX XXXX XXXX XXXX, CA XXXX XXXX These accounts have been opened fraudulently without my legal consent or permission. The credit bureaus will not remove. I have filed police reports as well. 
Please have them remove these inaccuracies immediately. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation. 
It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law. 



ACCOUNTS : XXXX XXXX XXXX {$4200.00} XXXX {$1100.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX  XXXX XXXX {$520.00} XXXXXXXX XXXX XXXX XXXX XXXX {$300.00} XXXXXXXX XXXX {$3400.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX {$550.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1200.00} XXXX XXXXXXXX XXXX  {$790.00} XXXX XXXXXXXX XXXX XXXX {$480.00} XXXX XXXX {$180.00}
Product: Debt collection

The company Commonwealth Financial Systems reported to my credit a debt which is outside the statute of limitations for collecting medical debt and they also did not sent me any notices about the debt.
Product: Bank account or service

I purchased XXXX train tickets on XXXX XXXX 2015 on XXXX. I received an email that my order did n't go through. " XXXX was unable to process the payment for your recent order. Please contact us at XXXX XXXX XXXX XXXX to so we can complete your order and confirm your reservations. '' After seeing this I purchased new tickets on the exact same train hoping that the order would be processed because I was traveling from XXXX XXXX, to XXXX and wanted to make sure the order was confirmed. Immediately following the XXXX purchase I looked at my chase account and saw that the original order did in fact go through and now I was being charged for not only the {$190.00} but also the XXXX order of {$200.00}. XXXX XXXX told me there was nothing they can do, and when I contacted my bank ( CHASE XXXX they looked into it and decided I was liable even after I showed them the email. So basically I was charged {$390.00} for a round trip tickets for two instead of the original price of {$190.00}. I still have the email XXXX to prove I was mislead and taken advantage of. Im disputing the {$200.00} charge because I feel that this is truly unfair business practice and that they stole {$200.00} from me. Please look into this and see for yourself. 

Thank youXXXX
Product: Money transfer, virtual currency, or money service

Call from XXXX mention that I have problem with the XXXX  system in XXXX XXXX ... XXXX-2022
Product: Student loan

Navient is the loan servicer for my wifes student loans, FAFSA, we have been making payments on these loans for several months but Navient keeps sending the checks back to us and changing the address where we need to send them. I have been trying to sort this out with them and I am getting no where. they have since ruined my credit because they say my payments have been late. I am getting fed up, they now are telling me they will not except checks anymore and only debit or credit cards will be the excepted form of payment. I should not have to give them a personal debit or credit card number because this only gives them the right to invade my bank account or credit card account to steal money. All I want to do is pay these loans as agreed, why are they so difficult to deal with? they are rude, and down right hostile about any inquiries I made, and they call up to twice a day sometimes. this is really unethical and I am fed up with the whole thing.
Product: Credit card or prepaid card

Canceled my American Express card and have a remaining balance I plan to pay monthly. XXXX stopped sending me statements and bills after I canceled the card and now only sends me a text message when they add a {$40.00} late fee.
Product: Bank account or service

On XX/XX/XXXX I deposited XXXX or XXXX checks in the total amount of {$41000.00} to my business acccount that I have not used for a long time. At the time of the deposit I was not informed about the fact that this account was " dormant ''. 
On the deposit slip that was filled out by Chase 's teller the date is clearly XXXX/XXXX/2016, yet the online records indicate that the deposit was made on XXXX/XXXX/16. On XXXX/XXXX/16 ( 48 hours after the deposit ) I tried to use the funds on my account to pay my mortgage and other bills, but I was unable to do because " the funds were not available ''. I called Chase and was told that I can not use the funds for another 2-3 days because my account was " dormant '', and it takes them that much time to reverse the domant status. I argued and pleaded, that how can an accout be dormant when I was able to deposit over $ XXXX to it, and now that I want to use the money ( all of it deposited on legitimate paychecks ) my account is all of a suddnet dormant. After spending over an hour on the phone and asking for supervispors and managers, all of a sudden my funds became available. 
I am in the process of refinancing my mortgage and need to show income for the past 60 days. I am trying to use the checks that I deposited on XX/XX/XXXX, but all I can see online is the teller 's deposit slip of $ XXXX and not the individual checks. 
On XX/XX/XXXX I contacted Chase and after an excrusiating houtr I was transferred to XXXX XXXX, who promised to take care of my issue. On XX/XX/XXXX I also got a phone call and an email message from XXXX XXXX. In her email there are supposedly the images of my checks, however the images are not in PDF format, so when I try to open them on my computer the attachments open to an empty page. I have tried to contact both women, XXXX XXXX has not responded to multiple messages, and XXXX XXXX phone is not set up for messages, her extension has a message that she is not available. 
Now I spent almost a full business day on this issue, and there is still no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX, XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account name : 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 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 reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2021 : I didn't request this inquiry. I called to XXXX XXXX  Customer Service and their representative told me he didn't know who to transfer my call. 

XXXX : I didn't request this inquiry. I already reported this inquiry as a fraud to XXXX, but it still appears on my Trans Union report.
Product: Credit reporting or other personal consumer reports

Per attached screenshots, this is in regards to DEPT OF ED/XXXX  as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on TransUnion, XXXX on XXXX. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

Per CUSHMAN v. TRANS UNION CORPORATION ( XXXX  ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted Equifax, XXXX and XXXX several times for the deletion of the XXXX XXXX account ending in XXXX as well as the affirm account. According to the Fair Credit Reporting Act 15 USC 1681 section 602a states '' There is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " Equifax 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 per 15 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 604a section 2 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 Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) states that " A financial institution may not disclose nonpublic personal information to an on affiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that non-disclosure option. I was never informed of my right to exercise my non-disclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), but no consumer reporting agency may also 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 they are reporting again without my permission which Is against the law.15 U. S.C 1681s2 ( A ) ( 1 ) A 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. 15 U.S.C 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and Experian do not maintain reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services.
Product: Vehicle loan or lease

I leased a XXXX  XXXX from XXXX XXXX  pa Mercedes Benz the second day Im having issues I took it to the dealer for repairs 2 times Im still having the same issues. I contact Mercedes Benz customer service theres no help Im thinking of hiring a lemon law lawyer if this issue not resolved I requested from Mercedes Benz customer service to exchange the car or refund they ignored my request the car has only 500 miles on it