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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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. '' 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 which is backed by 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. '' ( US DEPT OF EDUCATION XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a 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. '' ( US DEPT OF EDUCATION XXXX ) the financial institution and the Consumer reporting agencies XXXX, TransUnion 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 XXXX, XXXX, TransUnion ( US DEPT OF EDUCATION XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( US DEPT OF EDUCATION XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 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. Code 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. XXXX, TransUnion and XXXX are not maintaining 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: Debt collection

I asked for debt Validation And they send me a they wrote their self LVNV Funding llc
Product: Student loan

Nelnet had placed me on the wrong repayment plan in 2012 after calling to discuss that it did n't make sense for me to be on a 10 yr repayment when I would qualify for the Public Service Loan Forgiveness after making 120 payments. They switched me to a 25yr standard plan and told me that I was all set with my plan to qualify for the PSLF. I now have found out that they lied and that plan does n't qualify for the PSLF. I was told none of my payments counted towards the 120. I have made more than {$19000.00} in payments. They tell me there is nothing they can do to change this due to their records of the change made in 2012 not mentioning the PSLF. So just because their records are bad and they do n't save their recordings of the conversation, I am out XXXX dollars and told I need to start from square one again making my payments. ONBUDSMAN was no help and dept. of ed was n't either. Please help!!!! 
Thank you! 
XXXX XXXX
Product: Mortgage

I have payoff mortgage loan in full in XXXX I received instructions from representative and paid off loan. Only to be inform today that there is a XXXX balance on loan that has acrued interest and also a default interest fee has been added totaling {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me. I NEVER AUTHORIZED such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I called Transunion and explained to the representative I did not authorize these transactions, and I could not get any assistance from the creditor. Everyone seem to be giving me the run around. I understand that Transunion inadvertently removed inquiries from a number of reports and re-inserted the information. I called and explained that I didn't do this, and I was told I was not a victim ; however I believe I am a victim of their mistake, and therefor I want to file a complaint, and maybe get some assistance. Thank you in advance. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I noticed that I had an account from XXXX from XX/XX/XXXX reporting on my consumer report as a charge-off. I have sent them disputes trying to get this removed but they are refusing to remove it as they are claiming it is mine. Also in XX/XX/XXXX, I was approved for a loan by XXXX  that I applied for and did so knowingly so I should have only one account with the company. I have been a victim of Identity theft in the past and my wife was a victim back in XXXX this is another instance where my information is being used for someone's personal gain.
Product: Checking or savings account

For almost 5 months now, I have put a lot of action on my part to get this matter out to the bank, TD Bank in XXXX XXXX - numerous emails inside my online business account, calling the general TD phone number of the branch, calling specific numbers, leaving voicemail messages and emailing using the email address connected to the business account. I have told them I want my account closed and a cashier 's check for the remaining balance of {$10000.00} be issued either to my business or to me personally. 

There are 2 staff I have been dealing with regarding this : 1. XXXX XXXX - phone number XXXX XXXX XXXX 2. XXXX XXXX, VP and branch manager - phone number XXXX XXXX XXXX , TD Bank , XXXX XXXX XXXX , XXXX XXXX, NY XXXX One particular instance showing the bank or XXXX XXXX does not care. This was after many voicemails I left on XXXX XXXX XXXX phone. On XX/XX/2019, Friday, XXXX XXXX XXXX, I called her twice and she finally answered my call. She told me that on XX/XX/2019, Monday, if she did not call me back, I could follow up with her and she would deal with my account. I gave her more time and I called on Monday at XXXX : XXXX XXXX. When I spoke with her, she said she wanted me to call her back in one hour. I gave two hours and called her back at XXXX XXXX XXXX. Again. she said to call her back and I called at XXXX : XXXX XXXX but it went to her voicemail ( all showing in my call log ). It is almost one month now and I have not received any callback from her. 

I am putting this in your hand CFPB in the hope that someone in that bank makes sense and can provide me with my request.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, XXXX consistently responds within XXXX hours stating that 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 mandated a reasonable investigation of disputes/ Furthermore, XXXX XXXX actions may also contravene the consumer financial protection act, 12 U.S.C . $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ). as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I requested that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

** XXXX XXXX XX/XX/year> {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I went to a Dealership when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
Product: Credit card

On XXXX XXXX, 2016 I realized I had not made my XX/XX/XXXX payment on my account. I called customer service and explained to them that my Mother had transitioned on XXXX XXXX, 2016 and I was so involved with making plans for her services on XXXX XXXX, 2016 and away from home so I had not paid my creditors. I was told that the late fees would be waived this time when they received the payment. I made my regular monthly payment on that day but noticed on XXXX XXXX, 2016 the late fees had not been removed. I called again and was told it would be reversed in 24-48 hours. 
On XXXX XXXX, 2016 I called because there was an {$8.00} past due balance on my account. I was told on numerous occasions that it was a past due fee and not a late fee which had to be paid. 
I wrote a letter to headquarters and asked that they respond by XXXX XXXX, 2016. To date they have not contacted me. 
My problem is I do n't see any difference between a late fee and a past due fee. Also, my agreement does not mention anything about such a fee. I am wondering how many other people they are charging this fee and how much they are charging since there is no written policy in the agreement. Is this legal and can you assist me in getting this fee removed from my account? I have not paid the fee due to I do n't think it is legal.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX ( XXXX XXXX ), which involved me making deposits for a total amount of XXXX CAD from my Crypto.com account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported a late payment on XX/XX/2021
Product: Debt collection

This is XXXX XXXX submitting this CFPB complaint to you today to inform you that I was a victim of identity theft and the Account you are reporting on my Credit File was the result of such crime. Under the Fair Credit Reporting Act, I have the rights to dispute any accounts and information that resulted XXXX to identity theft and have them removed completely from my Credit File. Under the provisions of the Fair Credit Reporting Act section 605b, I am requesting that you stop your erroneous reporting and have the account : LVNV FUNDING ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; removed from my Credit file as soon as possible. The Account I am disputing does not relate to any transactions that I have made or authorized.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXXXXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I just had 3 recent hard inquiries on my credit all happen simultaneously on XX/XX/XXXX and I believe there may be some fraud going on.

The 3 companies listed on inquiry details were : XXXX XXXX XXXX XXXX Capital One
Product: Credit reporting or other personal consumer reports

XXXX violated the Fair credit reporting act that was established to protect consumers. By reporting fraudulent information on my consumer report without my permission or conducting an investigation, has caused a significant impact on my score and my mental health. Under the credit reporting act, it clearly states in 15 usc 1681b that a consumer reporting agency may furnish a consumer report in connection with any credit that is initiated by the CONSUMER ONLY .... if ( A ) the CONSUMER AUTHORIZES the agent to provide such report to such person. XXXX was negligent in furnishing my consumer report in which is discriminatory and has caused me to be denied credit and to lose out on business opportunities and income.
Product: Credit card or prepaid card

I have a BJ 's Perks World XXXX through Commenity Bank. In XX/XX/2022, Commenity Bank performed what they referred to as a system upgrade. The card offers reward dollars for purchases and then it is supposed to appear on my BJ 's club account to be used in store. While the upgrade occurred, rewards are not appearing on my BJ 's in store club account. There is a message on Commenity bank rewards page that says the following : Were working hard to fix the rewards issues caused by our recent system update. Please know that this issue regarding your rewards program is temporary. We are committed to resolving this matter quickly and providing you with updated rewards information as soon as possible. Go to BJs.com/account/rewards to get your most accurate and up to date balance. I have been calling Commenity Bank as well at BJ 's member services since XX/XX/2022. I have recently been calling every four days since the beginning of XX/XX/2022. I have owed over {$230.00} in rewards and keep being assured it will be credited to my account in three business days. This has been going on for more than six months.
Product: Debt collection

I'm a victim of identity theft. Please refer to the police report!
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 XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 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: Money transfer, virtual currency, or money service

I received an email about a problem with my XXXX acct. There was a balance that needed to be paid so I contacted the number on the email and followed instructions to set up my bank to pay. I was instructed to enter my bank acct # and was asked to perform " TESTS '' which deducted payments from my bank to two names and emails. Two amounts XXXX XXXX XXXXere sent to XXXX XXXX XXXX, XXXX, and XXXX  amounts XXXX, XXXX  to XXXX, XXXX. I was instructed to perform these transactions under the understanding I was fixing the connection to pay my bill. My bank said since " I '' made the transactions they went through and the money is gone.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT continues to send me letters stating that I owe them a debt. I have informed them in writing that I am not refusing to pay the debt but I am not aware of having an account with them. I have asked them to provide me with a signed contract between them and myself so that I can ensure that I am not a victim of identity theft. They responded telling me if I don't believe the debt is mine for me to file an identity theft report, which I have done. I am still receiving letters from them offering me a discounted fee, but they still can not provide me with the evidence that I have an account with them. The last letter says I have been pre approved for a discounted rate, and I want to know how I was approved, was my social security number ran, without my permission? This company seems very fraudulent because they can't provide me with proof that I have an account with them, but they continue to offer discounts on the alleged debt.
Product: Money transfer, virtual currency, or money service

Sometime in the month of XXXX or XXXX XXXX XXXX, I Zelled a payment of approximately {$450.00} to somebody who approached me at a parking lot a grocery store, offering to resolve a problem with my car. I agreed to his help, however, when he completed the job, the result was absolutely unprofessional and extremely horrible. I have pictures of the completed work. When I contacted Zelle to ask for my payment to be stopped, they said to me that there is nothing they can do about it and I was unable to recover my money back from this fraudulent cost. I would like to request help with being able to recover atleast a portion of my payment.
Product: Credit card

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  Re : Disputing error [ s ] on credit report Dear [ XXXX XXXX XXXX ], I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : Dispute XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Account Number or other information to identify account : 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  Dates associated with item being disputed : [ 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 ] Explanation of item being disputed : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] The report shows I currently owe money to your company that I have already repaid. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] The date of first delinquency on my report is not accurate. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ] ] XX/XX/year> : XXXX XXXX XXXX  : THIS COMPANY DID A HARD INQUIRE AMOUNT OF XXXX NPOINTS ON CREDIT REPORT WIHTOUT MY KNOWLEDGE. XX/XX/year> : XXXX XXXX XXXX XXXX THIS COMPANY DID A HARD INQUIRE AMOUNT OF XXXX NPOINTS ON CREDIT REPORT WIHTOUT MY KNOWLEDGE. THIS COMPANY DID A HARD INQUIRE AMOUNT OF XXXX POINTS ON CREDIT REPORT WIHTOUT MY XXXX : XXXX XXXX  XXXX THIS COMPANY DID A HARD INQUIRE AMOUNT OF XXXX NPOINTS OFF MY CREDIT REPORT WIHTOUT MY KNOWLEDGE. XX/XX/year> XXXX THIS COMPANY DID A HARD INQUIRE AMOUNT OF XXXX POINTS OFF CREDIT REPORT WIHTOUT MY KNOWLEDGE. 

My XXXX  loan shows a period of delinquency when I was actually in an income-driven repayment plan. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Im the victim of identity theft and I dont recognize one or more of the accounts on my report. [ 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely, [ XXXX XXXX XXXX WOULD LIKE A CORRECTION ON MY CREDIT REPORT PLEASE.
Product: Credit card or prepaid card

My XXXX XXXX credit card was closed when I applied and received another card from Barclays, most likely due to different addresses. I have never missed a payment, my credit was excellent. My complaint letter to Office of the President was answered by an employee who put me on hold, then hung up and never answered any other calls. I wrote a letter to Barclays to  challenge the closing, and received a letter back stating that they could not reopen my account and told me to apply for another card. When I applied I was denied, by another letter stating I had not paid or filed bankruptcy which was completely untrue. Again, there is no number to call. The company has the worst customer service I have ever encountered. Unfortunately, they have a lock on the XXXX card, and XXXX status is very important to me, otherwise I would never deal with this company again.
Product: Credit reporting or other personal consumer reports

Due to several infractions on the behalf of XXXX XXXX customer service and service quality, I spoke with the representative in order to vacate my account with XXXX without paying the remaining balances on my phone and final bill total. I had an extensive list of dissatisfactory issues with XXXX due to their company poorly communicating from one department to the next, and the representative ( with reference numberXXXX ) acknowledged it was abnormal to continue to have to deal with as many inconveniences as a paying customer. The fact that I am having to file this complaint is a direct illustration to how poorly the communication is from one department to the next leading me to no longer want to be a XXXX customer. The representative you can hear in the recording agreed to eliminate my entire balance on my account of all my devices after I mailed in the XXXX XXXX. They sent me the return package and I mailed the watch almost immediately. Every time I call XXXX to gain information on the reference number that was affiliated with the closing of the account, I am constantly directed to only speak to a collections department, which they never attempt to assist me other than collecting a payment or my information.
Product: Credit card or prepaid card

Synchrony/JCP lowered my available credit without any knowledge to me or consent by me. I have been a cardholder over 8 years. I have never had a late payment. They did not call, email, or mail a letter pertaining. They have no idea what my scenario is as to why i have not used my card. Were they aware that the store in my town closed and that prior to closing it was a disaster to go to making it not worth my whole. Were they aware that i am an essential worker working all thru covid with little free time to be able to shop in another town or even online? Basically, they do not care about me as a consumer, and because of that, they have annihilated my credit score by 46 points ; this is detrimental to my credit, and i am in the process of refinancing my home. Because of this and my what-was beautiful credit score of  well over XXXX, i can not do so now.