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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

My complaint is still regarding no explanation of why my account was not credited the cash back award of {$46.00} which mysteriously disappeared? Comenity accounting figures do not add up and who authorized the redemption amount of {$47.00}? I did not. XXXX still has not provided a credible answer to this question? 

Comenity Bank 's response so far has been nothing more than gaslighting. The credit that is mentioned of {$47.00} on " XX/XX/XXXX '' ( A ) statement is posted after this situation became an objection to the interest charges of {$150.00}. The {$47.00} cash back award was not authorized for redemption by me. The posting date is also out of sequence. 

The XXXX, XXXX statement ( B ) lists a current cash balance reward in the amount of " {$34.00} '' with a payment due XX/XX/XXXX. Where did the " {$47.00} '' amount come from? 

The XXXX statement ( C ) with payment due on XX/XX/XXXX shows a current cash balance reward of " {$46.00} '' to be redeemed. I redeemed this amount including payment of " {$11000.00} on XX/XX/XXXX which was posted on XX/XX/XXXX. 

The statement credit of " {$47.00} does not appear or posted until the closing statement ( D ) on XX/XX/XXXX with payment due on XX/XX/XXXX. 

If my cash back award was " {$34.00} '' statement ( F & A ) for XX/XX/XXXX but increased to " {$47.00} '' based on the credits listed on the Cash Back Activity summary using the amounts listed does not add up to " {$47.00} '' for the XX/XX/XXXX statement credit. 

To me this appears to be a case of attempted extortion and exploitation to gain {$150.00} in interest although I paid my account in full. ( G ) XXXX XXXX XXXX XXXX has received over XXXX complaints against Comenity Bank. Although I do not know the outcome of those complaints that is a pretty significant number. 

I did not apply for the Comenity Bank card, this was a change in credit card companies by another company is how I ended up with this card. I made my monthly payments on time and was never late. 

I will be contacting the company that represents the name on this card to inform the CEO of this horrible experience. Since the company is in the business of providing services to consurmers in my age bracket Comenity has my personal information and knows my age. 

I have been responsible and paid my account in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX i sent a letter certified with return receipt to this cra and the company responded ; see the attached. Although I have provided every document requested in my initial correspondence I am re submitting requested documents : specific information resulting from identity theft, state issued driver 's license, utility bill and identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a personaI loan from my bank that I've banked with for over 10 years and I was denied. When I asked why. they said my credit was too poor. I was confused because I pay my bills on time and don't owe a lot of people. When they showed me my credit I was shocked to see things on there that wasn't mine. I got a police report made and I reached out to the FTC. The items on my credit are : 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 accordance with the Fair Credit Reporting act 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.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my report, they are affecting my ability to obtain credit. 
THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15U.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 1681 C. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE TEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 S-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: Student loan

I made a request with Nelnet back in XX/XX/2022 to receive a refund of all payments that I made during the pandemic, a total of {$5900.00}. I have called Nelnet multiple times to check on the status of this refund, of which I have only received a single check for {$1.00}. I have been waiting approx 6 months and getting vague responses with no genuine concern for the delay. I have also XXXX emails that are just copy/pasted with the same vague and unhelpful response. Beyond that... nothing. I do not feel that they are concerned with my request and I'm incredibly frustrated. 

Nelnet has records of these payments. I even had customer service check their records on the total I am owed just to confirm -- so they are fully aware of how much I am to be refunded and how long it's been taking. 

I was told that my refund request would be passed on to a supervisor but unfortunately have still seen no " escalation ''. I have decided to make a formal complaint as I feel I've waited patiently for far longer than I was promised ( initially XXXX weeks, but now I've waited for 20+ weeks! ) and I am desperate for results. Half a year for a refund does not seem acceptable whatsoever.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I applied online for a short term loan with Speedy Cash ( in the amount of {$750.00} ). 

The online application offered me two options how to repay the loan - ( 1 ) Monthly or, ( 2 ) Bi-weekly. I selected monthly. It was my understanding that I was giving Speedy Cash authorization to withdraw One ( 1 ) monthly payment in the amount of {$210.00}. Speedy Cash online application gave the impression that there would be only One ( 1 )  withdrawal on the XXXX of each month. 

The first monthly withdrawal occurred on XX/XX/2020 in the amount of {$210.00}. 

On XX/XX/2020, Speedy Cash was not authorized, by me, to withdraw {$210.00} from my account. 

On XX/XX/2020, I contacted Speedy Cash numerous times to inquire why they prematurely withdrew funds from my account without my consent. In my phone conversation with Speedy Cash personnel ( XXXX, XXXX and several others ) I learned there was discrepancies and issues that I never approved. I requested clarification, but their response was uncooperative and vague. They gave me " the run-around '' and would not be forthcoming as I demanded information and answers. Further, I specifically requested Speedy Cash to email or furnish my online application of XX/XX/2020, to compare and verify that Speedy cash was in error. 

I would like to point out that Speedy Cash 's online application disclosure ( s ) were vague, misleading, broad and misrepresents a " Truth and Lending '' provision. 

For example, I sought to remedy and resolve the matter with Speedy Cash respectfully asking for a correction of the problem. To resolve the matter, I asked to be reimbursed my {$210.00}, since I did not authorize the premature withdrawal. I offered a solution to resolve my dispute, i.e., to withdraw One ( 1 ) monthly payment from my account on the XXXX of each month. Also, I gave authorization to Speedy Cash to make payment withdrawals once per month on the XXXX. Speedy Cash stated that I could not change the error, and therefore, I will be binded to two withdrawals each month - which I did not authorize. 

Finally, I am asking CFPB to conduct an inquiry into the business practices of Speedy Cash to ascertain whether they have violated Regulation Z and the Truth and Lending Act, which protect consumers under 12 CFR 1026. 

Please keep me informed to the status of this complaint.
Product: Credit reporting

Issue with Transunion. Trying to make necessary corrections to credit report. 
No one from Transunion speaks good XXXX or understands the questions. 
Unable to process online request and upload the documents for the investigation. 
I was transferred back and forth XXXX times and had to call in multiple times with no resolution. 
I was able to successfully process my requests on XXXX and XXXX with no issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  indicated in the CFPB response dated XX/XX/2023, that they had requested the consumer credit reporting agencies to update their records to reflect my account as paid in full. However, to date, my credit reports have not been updated. XXXX continues to show a willful failure in reporting my payment history as paid in full, and as a result, I have had to put my personal financial needs on hold due to XXXX 's inaccurate derogatory reporting on my credit reports. I have been experiencing this for 10 months and have not received a resolution. To date, my credit report states that " Account paid in full for less than full balance '', which continues to reflect a negative rating on my credit report.
Product: Credit reporting or other personal consumer reports

Around XXXXXXXX XXXX XXXX last year I was trying to get my negative inquiries removed from my Experian credit report and it was not successful I tried to dispute the inquiries on the Experian credit website and it was no help also trying to get in contact with a Experian customer service rep was a headache to I have illegal inquiries on my credit report that needs to be removed from my report I have been actually dealing with this issue for some time now like some years I always get the run around or if I do get in contact with a customer rep they say I have to talk to collections when those agency are fraudulent their selves I have negative inquiries and balances on my report that I have no recollection of this credit situation has ruined my life and I really need help
Product: Credit reporting or other personal consumer reports

Experian reported collection activity that signaled to me that my identity was stolen. I asked them to freeze my credit account and reported the fraud. My personal identification had been used fraudulently by persons to obtain insurance policies from XXXX and all the appropriate agencies have been contacted and a police report was filed. However, Experian is demanding more information while making it essentially impossible to provide them with the information. An email ( attached ) does not provide a mailing address. Their email has a link to a web form that does not function. Their website is clearly designed to thwart attempts to reach a human and their phone system -- when one finds a telephone number -- has menus that do not match the problem. I have requested to speak to a supervisor but as expected, the person is busy and has not called back. If Experian can not assist customers during the emotionally trying time when one is the victim of identity theft, they should not be allowed to operate their business in the US. Dealing with Experian is like being XXXX and then XXXX again when reporting the crime to the police, by the police. I suggest you call them and see how easy it is to get a person on the phone with a fraud situation. I am attaching a copy of the email they sent me that has no location to which responses can be mailed, emailed or faxed.
Product: Checking or savings account

I received a promotional post card to open an account at Citizens Bank in XXXX, Ma. In XX/XX/2022. The promotion was for opening a checking account or a savings account and subsequently receiving {$300.00} for each account, after making 3 consecutive deposits over the next 3 months. The {$300.00} should have been credited to my account in XX/XX/2022. At the time I opened the account I inquired as to whether I needed to open a checking account and a savings account. I was told by the bank representative that I did not have to open both accounts. I was assured by another bank representative, XXXX XXXX, that I would qualify for the {$300.00} for opening a savings account alone. I met with XXXX and opened the savings account with the understanding that I would receive the promotion after making the required monthly deposits. I made the required deposits. The {$300.00} promotion was never credited to my account. I called the bank in XX/XX/2022, and was transferred to an escalation supervisor, XXXX XXXX in Pennsylvania ). XXXX told me I was required to open a checking account at the time I opened the savings account under the promotional offer. She said I would receive no money. Her response was not consistent with what I was told by bank employees at the branch where I opened the account. 

On XX/XX/2022 I contacted XXXX XXXX at the branch bank where I opened the account. He looked into the matter and told me I would not be receiving the promotion. 

I would not have opened the account if it had been made clear that I wouldnt have qualified under the promotion. I retained the post card that had been sent to me, and it is not at all clear that both accounts needed to be opened. Two people from the bank branch also interpreted the promotion the same way that I did. 

The promotion is clearly misleading. I am an XXXX and my husband is a XXXX XXXX We both considered the promotion as only requiring one account ( savings or checking ) to be opened. Branch employees agreed with out interpretation. The misleading promotion turned out to be a waste of my time in opening an account, and following through on meeting the required monthly deposits. Please investigate this matter, as I feel the bank has fraudulently led people to believe they will be receiving something they had no intention of following through on. 

Thank you in advance for looking into the matter
Product: Checking or savings account

An American Express Customer support representative spoke with me on, I believe, the XXXX about my account. She told me about my account closures and gave me a list of dates. XX/XX/XXXX, account closed, XX/XX/XXXX my address changed because I moved, XX/XX/XXXX check mailed to address on file, XX/XX/XXXX still in transit and should arrive shortly. I just called back today, XX/XX/XXXX, and the phone call went straight to someone. There was no menu to call different departments, etc. It just went straight to some woman answering the phone out of the blue. She then told me I needed to talk to the security team, and the check had not even been sent because I needed to talk to security. How would I even know that? So once I talk to them on XX/XX/XXXX, I want my {$110000.00} ACH transferred, which is part of their deposit agreement. I can choose to have it mailed or sent electronically. Since I am in the middle of a move, I need them to send it electronically. They illegally held XXXX dollars of mine after the account was closed on XX/XX/XXXX. The second account they were supposed to close is still open but restricted. IT was supposed to be closed as well. I moved to XXXX, and all of this happened. I have now lost four apartments and am in the final stages of becoming homeless if they do not legally return my money to me. I have pleaded with them and explained my situation, and nothing is being done. I need help, or I will go to the media, and I will bring severe litigation for all of the lying, cheating, and misleading they have done. I have an incredible amount of evidence that will help me bring them to their knees. This could all be stopped if I returned my funds, all my accounts were closed, and I am done with Amex. They have become the worst bank at customer service I have exoerienced. They have continuously changed my joint owner 's password and have submitted transfers under his name that he did not do, which is hurting his other bank he has been with for 27 years.
Product: Debt collection

I contacted Transunion numerous times about removing the fraudulent accounts and inquiries on my credit report. At this point they are acting willfully and negligently and violating my right to privacy as well. I did not give my written consent to furnish the accounts nor inquiries mentioned below pursuant to 15 USC 1681b. 


ACCOUNTS : 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 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 talk to some XXXX today at XXXX pm from the fraud department the lady name was XXXX XXXX XXXX I was trying to dispute some fraudulent Inquiries I let XXXX XXXX XXXX know my Inquiries I did not authorize and I let him know I did a FTC But XXXX did not help me at all or try to remove or investigate the Inquiries. He was not helpful at all and have bad Customer Service My problem was not resolved. Here are the Inquiries need to be remove Inquiry details XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX 2020
Product: Consumer Loan

the company Westlake financial doing business in California. wont report ccccccccccc credit as per contract, my account is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts in question XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$54.00}. 

XXXX XXXXXXXX XXXX  Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$150.00}. 

XXXXXXXX XXXX Open Account with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 

XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$490.00}. 

XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$27000.00}. 

XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$250.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$660.00}. The original creditor is XXXX XXXXXXXXXXXX XXXX XXXX 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$100.00}. The original creditor is XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Equifax they have delete a collection on their website for XXXX XXXX XXXX but my XXXX is still showing the collection account. I am applying for a mortgage and have had to get my credit pulled multiple times due to the inaccuracy.
Product: Mortgage

I am a victim of predatory lending with this Mortgage company ( Specialized loan servicing ) I requested XXXX times already to send me forms for another loan modification, I believe this company XXXX want to push me to loose my home in foreclouse because of the type of loan that they gave me. I wanted my payments to be low monthly and the company keeps increasing my monthly payments. I do not know what to do anymore because my XXXX XXXX is poor right now and I have problems trying to refinance with any company, I tried asking this company to send me forms to apply for another loan modification and they never send me the papers. Please push this company to finally send me the forms to apply for refinancing or to do another loan modification XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, XXXX received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXXXXXX XXXX XXXX XXXX The account information is being reported inaccurately on my report. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


XXXXXXXX XXXX XXXX XXXXXXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX XXXX The account information is being reported inaccurately on my report. 
Please remove this inaccurate information from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter.