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

In accordance with The Fair Credit Reporting Act this list below of accounts have violated my federally protected consumer rights to privacy and confidentiality under the USC 15 1681 section 602 I believe it is. 
It also states that a credit reporting agency can not furnish any report without permissible instruction. 
I have disputed several times with all credit agencys and they rebutted with a denial stating the info was verified however they don't provide me with any proof or reason Mt disparate was denied. Thank you for your assistance with this after. I will list all accounts below that this complaint is referring to. 

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 card or prepaid card

Regions had been stealing money. Not applying it to the account. Marked me>30dpd XX/XX/2019. I made aXXXX. Credit card payment. They never put it on my account. I disputed. They said don't make a payment soon as XXXX days was over I got 2 late charges. They would take my credot and add it to the charges. They owe me a lot of money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXX/XX/XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX erroronus, dismissed XXXX XXXX bankruptcies being reported on my XXXX, XXXX and TransUnion credit files. The bankruptcies were filed on XX/XX/21 ( filing # XXXX ) and XX/XX/21 ( filing # XXXX ). I have disputed these bankruptcies with XXXX, XXXX and TransUnion multiple times and they have responded " verifying '' the bankruptcies through the bankruptcy court and also through the third-party vendor, XXXX. Since, I have reached out directly to the bankruptcy court and they responded with a letter stating that the BANKRUPTCY COURT DOES NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. Please review the attached letter from the court. Then how could they have verified the bankruptcy through the court? The letter sent by the credit bureaus also states that they receive public records information through the third-party vendor, XXXX. So I disputed the bankruptcies with XXXX and they responded by removing both bankruptcies from my XXXX file. Please see the attached Letter from XXXX and also a copy of my new XXXX Report. These bankruptcy have severely damaged my credit with my credit score dropping over 200 points and also having ALL of my credit cards terminated. This has been a nightmare!! The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Student loan

I called EdFinancial immediately after hearing about XXXX loan forgiveness. I saw that we were able to request a refund on any payments during the payment pause which started in 2020. I went ahead and asked for a refund, which I was taken aback, as they were giving me the time frame of 150 days ( 5 months ) for the refund to process. Throughout the pandemic, I have paid roughly $ XXXX in payments. 

It seems that EdFinancial is the only student loan provider, after consulting numerous students and alumni on their federal loans, that is providing this absurd time frame. XXXX, XXXX XXXX etc. are only quoting XXXX weeks of turnaround time. Its very concerning to know that unlike other student loan providers, EdFinancial seems to not have the best interest of our hearts by being the only provider that is dragging this on for 5 months. Currently, getting that money back would be life-changing for me and many others. We would really appreciate if someone could investigate EdFinancials process and determine why their process, in comparison to other federal loan providers, are giving students in need, such as me, such a long time frame.
Product: Debt collection

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DISCOVER FIN SVCS LLC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

Good Day, On XX/XX/2021 I received a credit alert about a collection account that was placed on my report by Spring Oaks Capital , LLC. I have not received ANY information via postal mail, email, or telephone from this company and have never even heard of them. It states the " creditor '' as a company I have never heard of as well. 

I disputed the " collection '' account on my XXXX Credit report and the response was null. When reviewing the " case '' today XX/XX/2021 it stated it was resolved and the account remains on my report with no change. 

Debt collectors are required to provide a debt validation notice at a minimum and once again I have NEVER received anything from Spring Oaks Capital , LLC or even heard the name until a XXXX  ago. I also don't recognize the prior " creditor. '' After reviewing some online posts about Spring Oaks Capital , LLC it seems MANY other people have had this issue as well. They report accounts people have never been notified of having or have ever had. They seem to randomly place collection accounts on the credit reports of some people XXXX years after accounts were written off or disposed via XXXX XXXX according to other horror stories read on forums. Many comments mention Spring Oaks Capital , LLC being a complete scam and sham of a company and I will NOT be a victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$370.00}
Product: Checking or savings account

On XX/XX/year>, a merchant XXXX restaruant in XXXX fraudently charged my card for {$610.00} - more than {$600.00} more than the actual bill! I reported this to chime, and reported again, again, again. Chime has not investigated the issue- they send an auto notice within hours that the claim is disapproved. 

It is a fraudulent transaction and Chime needs to be held accountable.
Product: Credit reporting or other personal consumer reports

I was contacted by XXXX XXXX about an account that they purchased from XXXX XXXX. I did not open this XXXX XXXX credit card and have no knowledge of it or the charges shown. I disputed it on XXXX XXXX when I first noticed it. They did not agree with the dispute. I did not pay it. XXXX bought the debt. I started working at a company where I need a federal license and it is damaging my credit score so I was told by an attorney to agree to make payments to clear it since it was less than {$500.00} to do so. I made a payment arrangement and they pulled the first installment on XX/XX/year>. I agreed to payments every two weeks thereafter until paid in full by XXXX. Another attorney got involved to resolve two other incidents with an identity theft claim and I was told to call XXXX and cancel the payment plan. I did so last Thursday. They would not provide a confirmation number or email confirming that the original plan was put in place nor that the cancellation was put into effect but I was assured they would not pull further payments. This morning, I found that they hit my bank account for {$100.00} again. I contacted the bank who advised that they showed a payment plan set for the future payments as well. I have to go to the bank to pay {$30.00} to put a stop payment on the company so they do not continue to pull unauthorized payments. The original XXXX XXXX card is being investigated by my attorney at this time as well. I would like to request that this be removed from my credit report as it is damaging and is not my debt to begin with. Thank you for your time. I will be reporting a second issue with my credit report under separate cover.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Cosumer 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 Tranfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

XX/XX/year> - I purchased 3 postcards and a pack of XXXX cards at a stall in the XXXX XXXX XXXX. The shopkeeper quote me a price on a calculator, which I agreed to - roughly {$12.00}. They typed it into their machine and tapped my card and ended up charing me {$130.00}, not what I had agreed to. I signed for it, and the receipt does bare the incorrect price. 
XX/XX/year> - the purchased posts to my statement XX/XX/year> - I see the incorrect charge and dispute partially with Captial One. Capital One denies my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

company involve s equifax & the account is XXXX XXXX i dispute in XXXX & XXXX wrong information in my report and after 2 month of disputing this account the did not put the notice of dispute this is a violation of section 623 of FCRA
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries on my credit report. Despite my initial complaint, I have not received any correspondence or notification confirming the removal of these inquiries from my credit file. What I received was a response that your agency stated these inquiries as verifed. How could you say an inquiry as verified if that has no consent from the consumer?!
Product: Credit card

The financial institution, Wells Fargo, charged me a late fee of approximately {$27.00}. In accordance with the final rule, which I believe took affect in XXXX of last year, financial institutions are not allowed to charge late fees in excess of XXXX dollars. So my complaint is that they charged an excessive late fee twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to exercise its grave responsibilities to report with fairness, impartiality, and respect for the consumer XXXX XXXX right to privacy, On XXXX XXXX XXXX manually disputed USBK COURT XXXX XXXX Docket number XXXX. On your website https : //www.service.transunion.com it states to learn the identity of the third-party vendor ( if any ) that collected the public record item ( s ) in this section, please visit https : //www.transunion.com/legal/public-records. I visited the site and it states in Bold Black letter Public Records. In the paragraph following it states that TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. 

On XX/XX/2023, I received dispute results from XXXX dates XX/XX/2023, it states in detail that XXXX filed my dispute regarding the following data with this listed entity. The listed entity the dispute was filed with being TransUnion Consumer Relations. The letter also stated as of the date of this letter XXXX has removed the dispute information from my file. 

However, TransUnion is STILL reporting a Bankruptcy on my consumer file. On TransUnions website, it states that XXXX provides TransUnion with this information about bankruptcy. 
XXXX has disputed the bankruptcy with TransUnion informing TransUnion that Bankruptcy XXXX has been deleted and TransUnion continues to respond stating that, Bankruptcy XXXX has been verified as accurate. How? 

If the FCRA states that credit reporting agencies must report with fairness, impartiality and respect for the consumer rights, and TransUnion states that they obtain information from XXXX this is proof that this account should be blocked, deleted, and removed. Who is TransUnion verifying this Bankruptcy with? Themselves? XXXX has stated its been removed. 
Bankruptcy XXXX is reporting inaccurately and needs to be DELETED from XXXX XXXX consumer file. I am also aware that TransUnion MUST report fair and accurate reporting amongst ALL THREE BUREAUS. XXXX and XXXX have BOTH deleted Bankruptcy XXXX and updated my consumer credit report please see attached documentation. I am demanding TransUnion to block, delete, and remove this bankruptcy. This is my last step before filing a Complaint for violating the law in federal court. 


Public Records USBK COURT XXXX XXXX Docket # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my credit suddently dropped from the 700 's to barely 600. I pulled a report and found a bad XXXX XXXXXXXX XXXX account that I had never opened. I later found out that I had been listed as a co-buyer for my mother, but never knew of the account, much less signed any paperwork agreeing to be a co-buyer. On XX/XX/XXXX a dispute was filed with XXXX XXXX, the fees were temporarily waived, and my mother was told not to make any payments until resolved. On XX/XX/XXXX, we received an email stating no record could be found with my name, and told that the account was closed as agreed. Account shows as closed, paid as agreed, and balance = {$0.00}. In XX/XX/XXXX, I received a letter from XXXX XXXX and the bureau of their choice stating that account was indeed invalid and that it would be removed from my credit report. However, while the account was closed as detailed above, it was never removed. I have spent the last 2 years as a XXXX XXXX XXXX trying to rebuild my credit. 

On XX/XX/XXXX I received an alert that my credit score had change. I found that it had dropped by nearly 70 points. I pulled a report and found that suddenly, the same account I had issues with in XX/XX/XXXX, that hadn't reported any changes in nearly two years, had reported a balance of {$3900.00}, even though it had been closed with a balance of {$0.00} for the last two years, per the dispute. I began a dispute with XXXX, and upon calling XXXX XXXX, found that none of the three people I spoke with could locate my name or my social on any account in the system, even when given a partial account number. 

This mistake has followed me the last two years, making it difficult to bring my credit back up since the account is still listed on my credit report. I was finally near where I would like to be when this most recent issue was reported ( negative payment as of XX/XX/XXXX ), which has now brought my credit back down, causing me to start completely over.
Product: Credit card or prepaid card

I make minimum auto payment when I travelled in XXXX, XXXX, to my suprisse TCF Bank does not activate the auto pay, and I was charge illegal late fees for XXXX, XXXX, which affect my credit. 
I do not have late fees history before.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The issue is with Transunion Credit Freeze. Apparently, they have sold my information to numerous loan companies. I am getting calls every day from lenders since I signed up to freeze my credit. I attempted to call Transunion several times and submit a complaint online to get them to stop selling my information. Every time I submit it online, I get an error message. As far as the call, it gets disconnected in the phone tree. I would like them to stop selling my information as I did not approve of this. 
As to how I know that they did this, I asked the solicitors who called my phone how they have my personal information and why they are offering me loans and they advised me that Transunion gave them my information. I have asked to be removed from the list by several of the solicitors, and then I am contacted by more of them.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I looked at my credit report back on XX/XX/XXXX and noticed some things that are incomplete and not accurate. I sent a letter to you on XX/XX/XXXXand asked you to investigate the completeness and accuracy of this, I haven't received a response back. This is breaking Federal Law.

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 1681i ( 5 ) it states ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.

According to 15 USC 1681s-2 it states this A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I need these accounts Deleted immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

i had bank of america card for over than ten years on XX/XX/2019 i provided the credit card information to buy supplement online and the shipping was only the price for the first trial bottel of thirty tablets i recieved the first bottle and then my the card statement of a charge of XXXX dollar i contacted the bank and disputed the charges and then i tried to contact the merchant i failed to get both fixed so on XX/XX/2019 i called the bank and requested the change of my card they refused stating that the merchant will still charge my card so i asked them to close the account and they said this wouldn't help either so my card was charged {$400.00} dollar i drove to the bank and sat down with a baNKER associate for couple hours and she tried to help by callng customer service and disputing the charges yesterday which was XX/XX/2019 i recieved a letter from the bank refusing to reverse the charge i was able to close the card at the physical bank of America located on XXXX XXXX XXXX georgia
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have several fraudulent inquiries on my consumer report. I have reported identity theft to the FTC.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore, any such debt, in fact therefore exist. THESE ACCOUNTS LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE IN LITIGATION. ME AND MY TEAM OF LAWYERS ARE IN PURSUIT OF FILING SUIT AGAINST EQUIFAX, XXXX AND XXXX AS WELL, FOR VIOLATION OF FEDERAL LAW ' FCRA MY CONSUMER RIGHTS!
Product: Prepaid card

Basically i am trying to buy an item on XXXX and everytime it says payment revision needed but there is enough money on my account for the item, also it is giving me XXXX cent fees that keep on pending. 
i really need this card to work.
Product: Vehicle loan or lease

I have a vehicle that I purchased that was totaled. I had to get insurances that were obtaining information to send payments to the finance company. I reached out twice a month to the finance company to make sure I could still make my payments but they advised me to not make the payments due to the gap payments pending. I have contacted them during the Covid epidemic and asked them to use that for 90 days as a grace period while the gap payments were still pending I attempted to make a payment and was denied since they were not able to make payment plans and they wanted me to pay the full amount but they did state that they had received the gap payments but the amounts were not disclosed in the system yet.