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

XX/XX/21 Sent a letter via certified mail to TransUnion and delivered on XX/XX/21. Tracking number XXXX. Letter stated rights being violated and ask to have personal information removed from consumer file. I put Transunion of notice about some inaccuracies on my consumer report. In my letter I asked for debt validation from multiple companies being furnished on my consumer report pursuant 15 USC 1692g under FDCPA. I also asked for these accounts to be deleted if no agreement with my wet ink signature could be produced. 

I have not given any person ( s ) my consent to furnish any of my private information. Therefore, the following accounts must be deleted from consumer my report. 

Fair Credit Reporting Act 15USC 1681b states ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

My rights are protected under the FCRA.
Product: Credit card or prepaid card

Hello, I am forwarding this complaint because Chime truly put my family in a bind and presented additional mental distress during this pandemic, I emailed this company over 15x for a better understanding of why our overdraft limit went from XXXX to XXXX in one fail swoop in a spann of 2hours. I would like to offer context and backstory to this, I have been with Chime for 3 years-they are not a traditional bank so that's why I tried them out. One of the features the app has is the ability to have a friend send you a XXXX. A friend of my husband and I sent a {$5.00} boost and that in turn increased our XXXX Overdraft limit to XXXX. We received an email notification at XXXX, XX/XX/21 then at XXXX we received an email stating that our overdraft limit had been dropped to XXXX. That is a huge difference, granted we aren't entitled to the overdraft but this is what they advertised and I partook in that. This caused instant panic and distress due to the fact that the XXXX was factored into our budget. I reached out to customer service, and the rep did not have answers, so I then spoke with a supervisor, and then floor manager. The floor manager XXXX added insult to injury being rude, sarcastic, flippant, he would put the call on mute while we asked questions and would not respond. After a phone call that was over a hour and Us being pushed to the extreme limits I mean exhausted mentally and angry, we are given emails XXXX XXXX XXXX and XXXX XXXX XXXX. I reached out to them and was told that that our last qualifying deposit in order to enable XXXX  was in XXXX, but I was confused by this because in XXXX the SpotMe limit was XXXX. They had no rhyme or reason to why it continued leaving my family under the impression that the overdraft was XXXX. I emailed them so many times with no response, until the point I knew I was being ignored. This has put my family and I in a terrible bind for the next 2 weeks. There was no warning that the limit would change or anything. This entire experience was traumatic and I pray someone looks into why there wouldnt be a warning email or something.
Product: Credit reporting or other personal consumer reports

TD Auto Bank is currently reporting late payments to the credit reporting agencies. In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

-My wife and I signed a contract with XXXX XXXX XXXX XXXX XXXX XXXX timeshare in XXXX . 
- The contract was subject to misrepresentation, and fraud. We had already paid {$3300.00} US dollars, which represents a 40 % of the entire amount, and never received any services, because they couldn't provide what we were promised at the time of the signing. 
- When we tried to cancel the contract, XXXX XXXX XXXX didn't answer. 
- Now, this foreign Company that doesn't comply with XXXX contract standards, is using a US Company, Monterey Collections, to collect money for services they didn't provide. 

This is what happened : On XX/XX/XXXX, we signed a timeshare contract with XXXX XXXX XXXX XXXX XXXX XXXX. At the presentation, we were five adults and two small children. The first thing they asked was if we were American Citizens, because the opportunity they were offering was only for the US market. We were there from the morning to the end of the afternoon, they offered alcohol to the adults and games to the children, and they promised several benefits, until we all agreed in the terms of the contract. The main selling point was that we could adjust 7 nights in a single room, to 5 nights in a double room, to accommodate the whole family. For that, we only had to use what they called " preferred points '', that were available in low season, without additional payment. All 5 adults made emphasis in this, because our main driver was for the whole family to share vacation together. Like I said, this was the biggest selling point. 
On XX/XX/XXXX, we called to make a reservation, just to find out, that there was a {$450.00} fee for using the " preferred points ''. Such fees were never mentioned by the sellers, and they are not written in the contract. After several calls, one of the agents told us that the contract is governed by the Book a Rules.This book was given to us after the contract was signed, with other brochures and timeshare information.

After several calls, they wouldn't provide us what they had promised the day of the signing. So, on XX/XX/XXXX we emailed XXXX XXXX XXXX, expressing our intention to cancel the contract, they didn't respond. We sent the same cancellation letter through certified mail, and it was returned to us, unopened. 
We continued receiving emails and calls from a company named XXXX XXXX , XXXX, based in USA, in charge of collecting payments, but when we asked them about the contract and cancellation intention, they just said they are a third party, and that we have to contact XXXX XXXX XXXX directly. 
XXXX XXXX, XXXX has several complaints in XXXX for the same problem with XXXX XXXX XXXX 's fraudulent contract. 
On XX/XX/XXXX, we received a pdf document in our personal email, and have been receiving collection calls, and voice-messages in our personal cellphones during working hours, from Monterey Financial Services, trying to collect the debt to XXXX XXXX XXXX XXXX XXXX XXXX. 

What steps can we take to protect our good standing credit records, and dispute this fraudulent debt from a foreign Company, accused by several American consumers of having misleading and dishonest contracts?
Product: Checking or savings account

The company Self ( XXXX XXXX XXXX XXXX Lending ) set up a savings /CD account for me in 2020 so that I could establish some credit. I would have my bank account debited {$20.00} every month and then at the end of the timeframe I would get all my money back minus fees : I had 2 payments withdrawn but then my unemployment was paused for approximately 5 months until they could verify some documents. However, this company did not post anything regarding my account until 2 months ago. I discovered they sold it to another company but still they offered to close out my account and pay me back my 2 payments that I paid in. As you can see, this isnt a loan, or a credit account. Its not a purchase of merchandise. I dont actually owe them any sum of money or actually fail to pay them what they were due. They closed my account, they paid me via direct deposit to my current bank. I dont think its fair that they now in the last 2 weeks decide to post 2 late payments as if I just currently did not make 2 payments. It affects me greatly and is devastating to me when Ive worked so hard to rebuild my credit. I havent been late or missed anything! This is creating a snowball effect on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALL THE FRUAD DEPARTMENT SEVERAL TIMES BUT THEY KEEP TELLING YOU HAVE TO SUBMIT A CFPB REPORT IN OTHER FOR THEM TO DELETE AN UNAUTHORIZED XXXX I WRITE THEM SEVERAL TIMES BUT THEY ALWAYS REPLIED ACCOUNT VERIED WITH NO PROOF
Product: Payday loan, title loan, personal loan, or advance loan

It is now the year of 2024 and Heights Finance maliciously continuous to damage my credit by reporting increased balance on my credit although it's a charged off account? They are very malicious and vindictive my credit was beginning to improve until they come in and target me and put me in economic harm they know I can not afford to pay them back that's why I work self employment now so they can not garnish me! They do everything to attack my credit and report balance increases on a charged off account they need investigated! I'm sick and tired of this to the point imma go with a protest banner to their XXXXXXXX XXXX XXXXXXXX that reads, SHAME ON HEIGHTS FINANCE! Do business elsewhere! Again a chargednoff account that was involved in litigation and there is a judgement in place should not still be reported to XXXX! For those who need to know who read this I took out a XXXX XXXX loan got into economic hardship as lost job I even paid for frivolous insurance to protect me if jobs lost and they refused to cover me although heights sold me a fake guarantee! Now I owe over XXXX XXXXXXXX look how much hwy robbery there attempt to get! Guess what heights I'm remaining self employed suckas lol ain't getting nothing but to continue to hurt my credit
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct andaccurate. Can you reinvestigate the accounts listed below.my credit ability is affected XXXX XXXX number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

About 10 months ago I, XXXX XXXX XXXX, XXXX, filed a dispute regarding a fraudulent account that was placed on my credit file by a certain creditor regarding a car loan. I contacted an Experian representative named XXXX XXXX in the Special Handling Dept for Experian to dispute this account. This dispute resulted in the account being deleted from my credit. 

On XX/XX/2019, I XXXX XXXX XXXX, XXXX, received an alert via email from Experian stating that a dispute was opened on that day that did not authorize. That same day, the dispute was closed 2 hours later and the previously deleted fraudulent account was added back to my credit file. I have called several times seeking to speak to a supervisor in that department but was unsuccessful. Experian violated my Fair Credit Reporting Act rights and I am seeking to file a civil suit against this credit reporting agency for their unfair credit practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent them letters multiple times And so far they have not yet respect the fact that I want to to remove the inquiries and late payments off my report.

The late payments can not be proven also.
Product: Credit card

On XX/XX/, I bought appliances at Lowes in XXXX XXXX worth almost {$5000.00}. I was told by the cashier that if I opened a credit card I was going to get 20 % off plus a discount for the new card. 
After I spent almost 2 hours picking appliances and applying for a new credit card i was ready to check out, but Lowe 's give me only {$100.00} discount. I asked to talk to the manager and I talked to her, too. but they are all trained to twist the words of their offer, which was sent to my e-mail. 
I filed a complaint with XXXX, and Lowe 's offered a {$50.00} gift card? 
THEY CHECKED MY CREDIT SCORE AND MADE ME OPEN A NEW CREDIT CARD ON FALSE PROMISE, very sad.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer XXXX XXXX contacted TRANSUNION to request my credit file. TRANSUNION stated they do not issue consumer files, only consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identify theft in  2010 , and shortly after I went through an exacting amount of time attempting to correct and fix this mess.  XXXX , more so then the others, was absolutely unhelpful and dragged their feet. After reaching out to private co unsel, 3 sep arate police departments, and the FTC I finally had them rectify the issues. Now fast forward, a illegally opened and FRAUDULENT account has reinserted itself ONLY on my  XXXX  report.  XXXX  is being reported  XXXX  times and with a balance of  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of this year I received an unsolicited email to check my rate on a personal loan from a lender I have used in the past XXXX XXXX XXXX. I submitted an inquiry and waited for a response on possible loan rates. I never signed any agreements to any loans. I later received an email that I was declined and I moved on. Later I received an email that funds were on their way. This was surprising since I never agreed to a loan and never provided banking information. According to XXXX they sent funds to an old account that I had using old data and that bank account was closed by me over 5 years prior. XXXX then told me to wait and funds would be returned and forwarded to me in approximately one week. I told them that I didnt agree to a lone and they told me they needed the funds back to make corrections. I advised them that I did not bank with that bank and I did not think they would release the funds. They told me they would take care of it but it would take approximately 30 days. After the 30 days they began calling me about the missed payment and at that point I contacted my attorney. My attorney sent them a demand letter to provide proof of a loan and they failed to respond to the demand letter. They also stopped contacting me. At this point I just want the credit to be cleared of their mistakes. I provided the information to all 3 credit agencies. Two agencies deleted the account. Experian has been notified and given all documents on my part and has kept the account active. Ive asked them to provide information on proof they are communicating with XXXX  or contact information for my attorneys and no information has provided.
Product: Credit reporting or other personal consumer reports

Was not able to access my account when third party company said my account was frozen. When I notify company they said it was not, I told them of my ongoing issues with TransUnion and it's now over a year and problem has been effecting my way of living. After doing more research I decided to call a number on the report. Turns out one of the issues they mixed up my info with my son 's. Caused me catastrophic problems in my life.
Product: Student loan

I am absolutely certain that my rights have been violated by Navient on more than one occasion. From the harassing phone calls, to the erroneous late payment notices, practically being forced to go on forbearance in order to try and prevent reporting to the credit bureaus. I would greatly appreciate some help looking into my accounts and history of my relationship with Navient. I am more than confident you will find several occurrences in which they have violated the law. 
I look forward to hearing back from you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 1996 Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX  XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These
actions.have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i got a alart from Myfico account that XXXX reported a collection to my report that dost not belong to me i contacted XXXX  and filed my compliant and i file a fraud with ID thief.gov today i received another alart from myfico that TransUnion is reporting the same collection that is not mine by the company XXXX XXXX XXXX please look into this fraud this is not mine and i have no idea where this just popped up from no where
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 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. 


The list of accounts appearing on my credit files by XXXX, Experian and XXXX below have violated my federally protected consumer rights to privacy and confidentiality reporting as stated above : XXXX XXXX XXXX XXXX ( Acct # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for months to log in to my transunion account and its been impossible I click forgot password I put my information and it does not let me proceed to next step and they keep charging me XXXX $ I have called their customer service number and I'm literally on hold for over 45 mins. its impossible to get a hold of them and on top I paid for the report once to get my credit report didn't expect they would be charging me every month for it when clearly I'm not using it and cant even log in to cancel that subscription.
Product: Credit reporting or other personal consumer reports

I recently mailed Experian a request to review my information- i submitted the appropriate requests as well as two forms of ID. 

Today I received a message via email saying they don't believe it was from me. It was. 

I am planning on Sueing this company if they do not comply with my requests under FCRA laws, which is to VERIFY AND VALIDATE my requests. 

The accounts in question are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was solely in regards the Experian Bureaus inactivity due to not seeing any deletion updates on the list fraudulent inquiries I submitted dated XX/XX/XXXX. The XXXX had already done their part after that little issue, and the specific fraudulent inquiries I mentioned before were no longer showing in my XXXX credit report. But the Experian Bureau still has an unfinished task here. Here are the fraudulent inquiries that they haven't removed yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX