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

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX, XXXX. XXXX  Balance : {$62.00} ; DEPT OF EDXXXX XXXX Balance : {$1100.00} ; DEPT OF EDXXXX XXXX Balance : {$590.00} ; XXXX  XXXX XXXX  Balance : {$3000.00} ; XXXX  XXXX XXXX  Balance : {$6800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}.
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. 

XXXX XXXX XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX  # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Product: Debt collection

XXXX XXXX  XXXX call about a loan taken out online at speedy cash in XXXX and called to try and collect I have never taken out loans on line for any type of credit I told the collection agency that I have never taken out a loan with speedy cash and he asked if I thought it was because of fraud I said yes and he directed to this site to report the fraud
Product: Debt collection

XXXX closed our account when we switched to XXXX XXXX and after closing our account and paying fees we found out they not only kept charging one line not connected to any account they sent collections to Frontline assets strategy I spoke with employees and explained that we closed the account and charging us for a phone that was never in use and not connected or linked to any account was fraud we closed our account months ago and paid extra fees after the fact and are still getting billed and they sent it to a collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington law is a gimmick. I laid XXXX XXXX month for a year to remove a negative remark. 
They kept saying they removed it but they truly didnt. XXXX XXXX credit card is what shows late but its not. They keep saying they removed it but they only removed it from the old credit card number. Than XXXX XXXX moves it to the new credit card number.
Product: Student loan

My daughter neglected to pay her first three months of her SallieMae student loans that I had co-signed on. Once I became aware of this I immediately called SallieMae to pay the delinquent loans in full and pay them forward until XX/XX/XXXX. My credit score has been between XXXX-XXXX for the past 15 years. The delinquent loans ruined my credit, my score is XXXX. I am trying to refinance my home to consolidate these loans at a 3.6 % interest rate, rather than the 9 % current loan rate with SallieMae. I contacted them on XX/XX/XXXX asking them to send my Credit Union a letter on their letterhead explaining that I immediately paid the delinquent loans off and forward till XX/XX/XXXX and to note that they were in XXXX rather than XXXX, delinquent status. They told me that they would be mailing this out to me the following week. I was shocked that it could not be e-mailed to me and that I would have to wait for it to be 'snail mailed! '' They apologized for the inconvenience but would not email it to me. I made the request over the phone on XX/XX/XXXX, on XX/XX/XXXX I called SallieMea to ask if it had been sent and they said it went out on XX/XX/XXXX, 12 days after my request! This absurd " snail mail '' delay is holding up my opportunity to do a rapid reassessment of my credit score and re-finance my home. I called them again to ask if they would remove the delinquent payments from my records ( because I had paid them immediately once I found out they were delinquent, and paid them up until XX/XX/XXXX ). The customer service agent with SallieMae told me to write a letter and send it to them via the postal service i.e. " snail mail '' then they would have up to 30 days to reply! This is completely unacceptable customer service! I have no recourse but to do this and wait? What if they deny the request? Then I will have waited six weeks ( two weeks for it to get to the appropriate person and up to XXXX to answer and send it back to me ) to see if they will approve this request? What kind of customer service is this? Why ca n't these requests be expiated by electronic correspondence? I find this antiquated and troubling. I am trying to refinance my home and repay these loans, they are slowing the process to a sloth crawl! This is unacceptable and should be changed. It is XX/XX/XXXX, we do n't do important time sensitive transactions via snail mail when we have e-mail. Please let me know how you might help. Thanks you
Product: Credit card or prepaid card

I have a mobile banking account with Cash app. My first account was hacked so I opened a new one. I ordered a replacement phone had to send it back because it didnt work. The company XXXX refunded my cash app card that I used with the first account the refund amount was {$100.00} they will not activate the first account so I can get my refunds. They told me they can merge the account if I have the old cash tag name which I dont have. Today they sent me messages telling me that my phone number and email I used to set it up wasnt enough
Product: Credit reporting or other personal consumer reports

To whom it may concern, XXXX, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). XXXX  has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. XXXX XXXX XXXX illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX, and XXXX. I did not grant XXXX XXXX or XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. As the consumer and natural person, I am invoking specified remedies and make the following demands : 1 Cease and desist reporting of the account name filings to all consumer reporting agencies. 2 Remove reporting of the account name filings from all consumer reporting agencies. Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear Sir/ Madam, I am writing to file a complaint against Moneygram for their unfair business practices. I used their money transfer services to send XXXX USD from my XXXX account to my own account in XXXX. I did the transfer and received an email on XX/XX/XXXX that the transfer has been sent ( The Reference # for this transfer is : XXXX ). I did not receive the amount and asked them to cancel and refund for the same. I have been calling their customer service for the past one month and they made an excuse that it would be refunded within days which never happened. I look upon the CFPB and wish to issue the complaint about refunding my money from Moneygram. Kindly consider this complaint as a high priority and I hope you will understand the situation. Expecting a positive outcome soon. 

Kindest regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent account number ( s ) ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, ending with XXXX, beginning with XXXX, beginning with XXXX, beginning with XXXX, beginning with XXXX, company XXXX DBA Open-End XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI, XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX  XXXX {$400.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$210.00} COLLECTIONS XXXX {$200.00} COLLECTIONS XXXX {$270.00} COLLECTIONS XXXX {$52.00}
Product: Credit card or prepaid card

Capital One sent me a notice about Fraud on my card and it wasn't. I added an authorized user to my card and then I removed the person. The removal triggered the alert. I'm not upset about that because the person and I were previously in a relationship. What I am upset about is when I called Capital One about the issue and that the person and I are no longer in a relationship, they still want me to provide a Social Security Card and Drivers license copy of the person. I called XXXX to let them know that I've asked for the information to provide them, but the person refused as we're no longer in a relationship. I provided all the information I needed to as the primary card holder and owner and XXXX verified my information is correct, but they are still asking for me to provide the authorized users info which I can't. I've called several times and have spoken to serveral supervisers and the same impossible request is being made of me. When I asked to cash out my points on the card so I can close it, they told me I can't do anything with the card until I provide them the information. All I can do is just close the card and lose all points I've built up on the card because of their impossible request for sensitive information from someone I'm no longer involved with.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW Please carefully read the following.

Under 15 U.S. code 1681b - Permissible purposes of consumer reports In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report.

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. 

The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ).

I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. 

I demand you remove the following address and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX The following accounts I demand to have removed U.S. Bankruptcy Court 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 XXXXXXXX XXXX I dont ever recall giving you EQUIFAX any consent to furnish anything on my credit report nor did you ask for permission as you are required, im aware that i can opt of of your agency which has violated my rights but pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX allowing these inaccuracies to be furnished on my consumer report it has caused me major financial distress and has caused me to lose my confidence in the banking system. This has been an invasion of my individual privacy. If EQUIFAX wants to continue doing business with me, They should delete these inaccurate accounts off my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX I was at XXXX XX/XX/XXXX to obtain a personal loan to help me get by the pandemic. But, I was denied and I was denied because of negative accounts that do not belong to me XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX ). My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my personal information to open the accounts above. I did not receive any money, goods, services, or any other benefits as results of these accounts being open under my name. I need these accounts blocked from my credit report because they are a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to TransUnion and XXXX that XXXX is reporting my closed account XXXX as having a high balance of {$29000.00}. 

This is incorrect. 

When the account was closed, the balance was {$120000.00}. XXXX correctly listed the amount while the loan was open, but when the account was closed, suddenly the account had a high balance of {$29000.00}. The interest alone on this account was {$110000.00} XXXXXXXX XXXX practices are deceitful and dishonest. XXXX is making it sound as if this {$29000.00} took 29 years to pay off and its harming my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right of privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX I have recently checked my credit report and noticed some inaccurate accounts reported.
Product: Credit reporting or other personal consumer reports

Equifax, you have been reporting these accounts wrong for months now! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!
Product: Debt collection

On Friday, our city was one of many impacted by Hurricane Delta. Because of this we are communicating with many people in regard to damages. When the lady called she stated that she was a bill collector and I explained that right now we don't have electricity and we are trying to pick up our lives. She snarkily said " why did you answer the phone? '' And then hung up before i could inform her that there are many reasons. Let 's see ... insurance agency calls, I am on call and my employer is using alternate phone numbers due to increased outages and their state offices are in the area code they called me from. I have friends and family members who may be trying to reach me. How rude and unprofessional can one be? And heartless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 regarding inaccurate and unknown items on my credit report. It has now been 45 days. I have not received anything regarding the investigation. Im clearly being taken advantage of and being ignored. Section 611 ( a ) states that a failure to investigate within 30 days gives reason to remove these erroneous items, this should be resolved now. I demand these accounts be removed immediately, or I will seek litigation for all this has caused me. I was also impacted by the XXXX data breach, my information could be being misused at this very moment.
Product: Checking or savings account

Advertising opening a saving you will get 4.35 %. They lied and changed the rate after opening the account.
Product: Payday loan, title loan, or personal loan

On XXXX XX/XX/XXXX, I ordered 3 doors for the amount of {$22000.00} from XXXX XXXX XXXX. No doors have been delivered or installed. 
I've had multiple concerns. 

My most recent concern involves XXXX XXXX XXXX ' claim that I consented to enter contracts via electronic signatures. 

On XXXX XX/XX/XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX sent a consent letter which she claims I had signed on XX/XX/XXXX. 
But the document is dated XXXX XX/XX/XXXX and it does not have my signature. ( Please see attached document 1 ). 
XXXX XXXX 's email concludes with a threat that if I cancel the purchase order, I will be liable for {$4000.00} to Greensky from whom a loan has been authorized on my behalf. 

I advised GreenSky that according to Virginia law 59.1-483b, an agreement to conduct a transaction electronically may not be inferred solely from the fact that a party has used electronic means to register a purchase order and that according to the law, this subsection " may not be varied by agreement ''. Meaning affirmative consent to conduct business electronically may not be omitted. 

GreenSky responded on XXXX XX/XX/XXXX, asking " what is it that you are wanting from GreenSky, '' and eventually that I " follow up directly with the merchant regarding this matter. '' ( Please see attached document 2. ) CFPB XXXX XXXX XXXX XXXX. XXXX requires GreenSky to " review and analyze complaints ... for the purpose of identifying trends ... and XXXX potentially involved in unauthorized loans and related unauthorized transactions. '' In this instance, GreenSky has violated that order.
Product: Mortgage

Trying to refinance with a company that is known for illegal actions. Quicken says they have all the info to refinance then, all of a sudden, drops it saying the present company has and shows late payment, after they say it is their fault for not notifying me of increased house payment. Quicken is just as irresponsible and as illegal as they are.
Product: Credit card

Subject : Unreasonable Forfeiture of Itinerary Value by Chase Travel Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Chase Travel regarding an unreasonable forfeiture of itinerary value during a flight change process. Here are the details of my case : Flight Booking and Change Request : Original Booking : XXXX XXXX XXXX flight from XXXX to XXXX on XX/XX/XXXX, booked through Chase Travel for {$830.00}.

Change Request : A few days later, I decided to change the flight date to XX/XX/XXXX with the same departure and arrival locations and the same airline. The new flight fee was {$730.00}. 

During the change process on the Chase website, the system informed me that the fare difference of - {$100.00} would be forfeited. The payment summary stated, The modified trip costs less than the original itinerary value. The remaining value cant be applied to any airline change fees and will be forfeited. 

Communication with Chase Travel Specialist : Date : XX/XX/XXXX Time : XXXX XXXX Outcome : The operator read Chases policies and rules and informed me that I am not allowed to change to a lower fee flight and can only change to a flight with a higher fee. 

Complaints : XXXX. Unreasonable Forfeiture of Itinerary Value : Chases policy of confiscating the difference in fare when changing to a lower fee flight is unreasonable. Customers are required to pay an airline change fee, and when changing to a higher value flight, we need to pay the difference. However, when changing to a lower value flight, Chase does not return the difference nor apply it to the change fee, which is unfair to customers. 
XXXX. Lack of Transparency in Policies : During the booking process, Chases rules and policies do not adequately cover the scenario where a customer changes to a flight with a lower fare. The system only reveals this policy of forfeiture at the final step of payment during the flight change, which is not transparent and misleads customers into making decisions without full knowledge of the consequences. 
XXXX. Inconsistency and Miscommunication : Chases rules and policies are unclear, leading to inconsistencies even among their employees. The operator, after reading the rules, informed me that changes to a lower fee flight are not allowed. This contradicts the systems allowance of such changes, creating confusion and frustration for customers. It is unreasonable that Chases system permits the change but then imposes a forfeiture, which was not communicated upfront. 
XXXX. Potential Price Fluctuation Impact : Airline ticket prices fluctuate frequently. Currently, the price for the flight on XX/XX/XXXX is {$730.00}. I request Chase to address this matter promptly. If the resolution time is prolonged and the ticket price increases, I expect Chase to cover any additional costs incurred due to the delay.