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

I have ongoing issues with the credit bureau Trans Union , LLC. Its an ongoing issue that the online dispute portal with Trans Union always have an error message and never allows me to do disputes through the online portal system. Im always having to pay for stamps and having to mail out my dispute, which takes even longer, and every time I called to get help with the situation, my concerns are overlooked and then they want me to the dispute process over the phone with somebody usually in another country that is very rude. I want to be able to look at my credit report and dispute each item on my own like everybody else is allowed to. I dont know why Im singled out and I dont know why I cant get this issue fixed, I put a ticket in to receive an email to say the ticket was closed but yet no resolution was provided to me in the email which is further upset me. trans Union has gotten very lazy with her dispute process and they never take my concern. Seriously I have over XXXX inquiries on my credit report that are all fraudulent and I dispute those and they dont get disputed thats a violation of the credit reporting act because theyre supposed to follow a protocol to disputing each item. Also, there is a collection report on my credit bureau that isnt mine that needs to be disputed. The account was a fraudulent account and I disputed it with a credit bureau and the merchant and done a identity report and try to dispute it again with Trans Union but then they wont dispute it again. I need all negative items that are listed on my credit report disputed I dont know how much clearer I can be on that dispute each item whether its the bankruptcy inquiries negative accounts, I need all that stuff investigated and remove my credit report I meant Im getting tired of constantly having riding and begging to get somebody to help me and nobody wants to
Product: Credit reporting, credit repair services, or other personal consumer reports

Through dept of education Nelnet I have three separate accounts that are all showing delinquent on my credit reports. All accounts have been placed in deferment and also challenged several times with no response. Due to the school attended when receiving such loans they were to be discharged due to inaccuracies from the school. I have filed out discharge paperwork three times with the dept of education directly, as instructed, and advised each time I call Nelnet that they have not been notified. This has caused me to be unable to return to school and ruined my credit.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue XXXX XXXX XXXX.
Product: Debt collection

The debt of the credit report has misinformation of the debt being owed. I have asked the company to provide me with the debt owed from the original contractor with signed contract and proof of ownership. On the credit report, my credit history has incorrect information. I have disputed this debt on several occasions and XXXX has not removed the account it just generates different information ( Payment History ) and does not complete a thorough investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate this is grounds for removal. 

They also violated my rights under 15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

I booked an international hotel through my XXXX chase credit card which I paid approximately {$100.00} in cash and the remainder in rewards points. I followed the check in instructions and called the property 24 hours prior to check in. XXXX, the contact person confirmed everything was fine and set for my arrival. 

The day of as I am on my way, XXXX contacts me to tell me she made an error on her part and decided to rebook me on the other side of town at a downgraded hotel without asking my consent. She refused to honor my reservation. 

I called XXXX and the representative placed me on hold even after I told him I am calling internationally and would prefer a call back, just to tell me there's nothing he can do and he can not refund me. All he can do is transfer me to another department that can rebook me else where and I would be responsible for the difference. 

I had already reached the hotel by then since we were in the taxi already and now I have to stay in a downgraded facility with no AC or WIFI and I am paying the price for this error that was not on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these student loan errors for several months now. I was denied a home loan because of the way they're reporting. Some are stating their closed but 120 days late, or charged off and late. They have been paid for the past XXXX yrs. I'm a XXXX XXXX XXXX veteran and had them all forgiven. I had to use a sub-prime lender to get my home finished and had to pay 5.5 %!! It's hurting me financially, I'm trying to refinance with my VA loan but this is still reporting errors and I've called and written letters to no avail.
Product: Prepaid card

I purchased a prepaid {$500.00} Visa gift card from XXXX XXXX on XX/XX/year>. Each time I attempted to use the cards my transaction was rejected by the issuer. The issuer is XXXX XXXX, the cards are serviced by Incomm Financial Services. XXXX/Incomm routinely blocks legitimate transactions under the guise of " consumer protection ''. They do so in the hopes that delaying the spend down on the cards will lead to windfall and unmerited profits for the issuer. How? By frustrating users and rejecting consumer purchases, chances increase that users will simply give up and not use the cards. By frustrating users and delaying spend down chances increase that users will misplace their cards. This is unethical behavior. I have been forced to endure lengthy delays, lost submissions and poor customer service on the numerous occassions on which I have forced to seek refunds and card replacements from XXXXIncomm. That is why I now appeal directly to CFPB in the hopes of not only receiving a refund for the card, but some action on the part of CFPB to sanction XXXXIncomm so that the entities stop this eggregious behavior. 
I have been unable to utilize {$500.00} of my card for over a month now. 
I spoke with a representative on or around XX/XX/XXXX and have heard nothing back. I was promised that a check refund would be mailed to me. It has been nearly a month since that last interaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX ; US DEPT ED XXXX Balance Owed : {$28000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$39000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} ; XXXX XXXXXXXX Balance Owed : {$100.00}
Product: Credit reporting or other personal consumer reports

XXXX USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX XXXX
Product: Bank account or service

elan financial made an unauthorized credit inquiry to my XXXX credit file
Product: Student loan

I defaulted on my student loans due to limited income and part time employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received disputed results back from Equifax after disputing a re-aged account from XXXX XXXX XXXX now listed under XXXX XXXX XXXX that is re-aging the account with new dates. Equifax is refusing deletion that the other credit bureaus deleted with no problems due to the Date of First Delinquency from the Original Creditor XXXX XXXX of XX/XX/XXXX with a schedule to be on report until XX/XX/XXXX from XXXX, XX/XX/XXXX with a schedule to be on report until XX/XX/XXXX from XXXX, and XX/XX/XXXX and states no day of deletion off credit report from Equifax. Equifax then UPDATES the CLOSED account to OPEN XX/XX/XXXX dropping my credit score. All the Date of First Delinquencies per reports do not correspond with one another to the DOFD and I am requesting Equifax to delete this account immediately from my credit report. The collection agency has re-aged this account twice according to the Original Creditors Date of First Delinquency. Please delete this account immediately. I will be reporting re-aging to the Federal Trade Commission ( FTC ) as this is a serious offense under the FCRA.
Product: Checking or savings account

XX/XX/22 fraudulent activity took place at XXXX. Someone hacked into our online account, reported previous month ( cleared ) charges as fraud to obtain a " provisional credit '' up to {$830.00}, got the credit and transferred the monies to another account ( in the name of XXXX XXXX ). They also attempt to obtain a loan through NFCU. We have gone back and forth with NFCU and are being told they can not provide us with any information, this was not fraud etc. The initial charges they requested the provisional credit for had already been cleared a month prior and this was acknowledged they were in fact his, the dispute is ; we DID NOT request these to be reported as fraud online, we DID NOT transfer the " provisional credit '' to another account, we DO NOT know the person listed on the transfer and we DID NOT request a loan. They have not corrected the hard inquiry that is on his credit report. The primary account holder is a XXXX XXXX XXXX  and in the XXXX XXXX XXXX. NFCU has moved the negative balance to the new active account and is making us responsible for the monies instead of going after the people. NFCU is NOT providing us ANY information about the matter other than its not fraud and they cant tell us anything.
Product: Checking or savings account

On XX/XX/2023, I transferred via XXXX  transaction {$900.00} from my personal checking account with XXXX Bank to my online Chime account. For some reason, Chime placed my account in security status and requested several documents from me to prove the validity of the deposit. Over the course of the next XXXX weeks, I called them several times and provided the documents requested on numerous occasions, yet they refused to release the funds or return them to my checking account. 

Eventually, I became tired of the XXXX. they were putting me through so I called my personal bank to dispute the XXXX transaction. XXXX refunded me the {$900.00} and as soon as it was credited back to my account I immediately called and emailed Chime to request they close my account, as per their policy for closing an account. 

It has now been an additional XXXX ( XXXX ) weeks and they still have not closed my account. As a matter of fact, every time I call or send an email, they are still asking me for the documentation they asked me for a month ago. I am totally at my wits end and feel like Chime is deliberately neglecting to honor my request. I have spent over {$100.00} on international calling fees and now have to call all of the credit bureaus to ensure Chime hasn't abused my personal data because I utterly do not trust them. 

I want my account closed and I do not understand why Chime won't even adhere to their own published policy of closing an account upon request.
Product: Debt collection

Transworld Systems Inc is harassing me over a collection that is not my debt. It was sent to them by XXXX XXXX who billed me for toll charges ( {$19.00} ) plus {$100.00} fine for being late. It is for a car that is NOT mine and i have no idea who's car went through this toll and didn't pay. The license plate is not mine and not registered to my name. I have called XXXX and they said they'd 'throw it away '. But yet they keep telling collections to keep contacting even though i disputed with them. Attached is collection notice, please tell them to stop harassing me.
Product: Mortgage

Repeated FORCLOSURE attempts with People United Bank, received {$30000.00} grant what I signed for but {$50000.00} put on title of my house. No one seems to know what happened to {$20000.00}. This is FRAUD.
Product: Checking or savings account

Navy Federal has been hitting my accounts with overdraft protection fees even though I am not opted-in
Product: Credit reporting or other personal consumer reports

XXXX XXXX Transunion is failing to throughly investigate my complaints about the third party companies violating my consumer right. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX each consumer committed identity theft under 15 USC 1681a ( q ) The FCRA defines identity theft as a fraud committed using the identifying information of another person.

When the alleged original credit sold your information without your expressed approval or knowledge that was " a fraud '' which makes the whole thing identify theft.
Product: Consumer Loan

Car XXXX XXXX/XXXX/16 in which the other driver was at fault. Toyota Financial Services representatives ( more than XXXX reps ) and also in writing ( several ) stated to the driver at fault 's insurance company, XXXX, a payoff amount that was incorrect. The amount was incorrect by {$500.00}. Toyota Financial Services representative, XXXX XXXX, promised on XXXX/XXXX/16 to issue the {$500.00} to my husband and I. XXXX XXXX does not return calls and when I can actually speak with him, he promises to call back to let me know the status and as of today I have still not received the {$500.00}. He has not returned my recent calls and I believe he has pocketed this money for himself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters and complaints I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit report has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus are must comply with the FCRA section 605b which states that the Credit Reporting Agencies must block and remove any Account and information that the consumer identified as a result of identity theft. The following personal information : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX : accounts : XXXX XXXX XXXX XXXX  XXXXX Balance {$5700.00} ; XXXX XXXX XXXX Balance {$260.00} ; and inquiries : XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX  XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX/XXXX  XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; are not affiliated with me nor I receive anything as result of Identity Theft. I reported the Theft of my Identity to the FTC and have attached copies of the FTC 's Identity Theft report.
Product: Consumer Loan

XXXX XXXX, a manager at SOFI, told me on XXXX/XXXX/XXXX that my debt consolidation loan could not be cleared to close after I submitted the requested documentation to the company two weeks earlier. I was originally approved for {$25000.00} by SOFI and was trying to consolidated {$18000.00} of credit cards. SOFI requested my tax returns, since I am self employed, for XXXX and XXXX which I provided. Then they requested all of the schedules that I did not have. I called to ask which schedules, for personal or business returns, and the lady I spoke to said that since I received paystubs from my business, that I could just submit those for approval. I submitted my last XXXX paystubs by uploading them to SOFI and I called back to make sure they were received. Now a new rep said that I still needed to submit the schedules for the tax returns, even after I had been told that my paystubs would be fine. I called SOFI today and XXXX, another rep, said that they were still looking for schedules. I then spoke to her manager XXXX XXXX, and he refused to speak to my accountant that was on the line with me and was trying to see what schedules they wanted. This company is terrible in its customer service and lies to consumers about what is required for loan approval. The reps are not properly trained and tell you different things about the requirements because they are just reading off of the software for the client file but do not really know what is happening with files. The process is misleading and every person you talk to tells you something different. I have wasted a lot of time and I have been unable to consolidate my credit cards which are at very high rates. Managers are also terrible and extremely rude.
Product: Vehicle loan or lease

I have had many concerns with the company called UpStart. UpStart loaned me money for used vehicle, XXXX  XXXX XXXX to be exact. During my terms of agreement I have paid all payments on time and concurrent with those payments. 
It was recently deemed total loss and covered by my insurance with regards to payout. Along with XXXX if any differences. 
My concerns with UpStart have been brought to their attention and they refuse to address these concerns. Such as ; contract, agreement, UpStart written policies, site navigation ( blocked ) changes made, entitlement, payments, personal data collected and shared, refinance, prior to accident. and why your company refuses and avoids an answer to my concerns. As none of my concerns were given a definitive answer. 
The answer i did receive were to check site for policy. However, I am blocked. And they wont remove this blocking of site. Regarding payment as they have stated both thank you for my payment and that I am late of X amount of days. Title already passed on without consulting with me whatsoever. Also to add my XXXX XXXX is not complete with their official outcome. To allow some leniency or pause account as I am waiting on XXXX XXXX XXXX XXXX so that I may have an amount to say what is left if any! 
As to why UpStart stats as Owner of the vehicle I do not have rights to the remains. the response I received was that they dont allow the owner to keep remains. There site stats data collected and share of my personal information and that I may request this information shared. 
They would not provide this. Refinance prior to accident. As they told me they do not refinance when there site clearly stats they do. I have had many concerns with this company and none of my concerns have been addressed or answered. Not a single question or concern. And its very upsetting and frustrating when I have made sure I made all payments on time with them and holding up to my side of our agreement. 
Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX. ) 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 card or prepaid card

On XX/XX/21 I received an email from Brink 's Money Prepaid Mastercard that stated that my card was on its way in the mail but I had never actually signed up for the card. I tried to call Brink 's Money but could not get through to an actual person. I have recently been a victim of identity theft and I'm not sure if someone else tried to order a card or if this is just marketing.
Product: Credit reporting

MY SSN CARD IS ATTACHED and My there is an inaccurate SSN on my credit report that they fail to remove. My correct SSN is XXXX REMOVE ASAP XXXX SO XXXX Can you take a look at the account responsibility and number and remove this collection immediately. I do not believe it is accurate. 

XXXX XXXX Begin reviewing the account name, account type, and account number. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX XXXX XXXX am requesting investigation of the account name, opening date, and date of last activity. This information seems to be misleading. Immediate removal of this item is greatly appreciated. 

State Tax Lien XXXX Can you please run an investigation on the public record type, docket record and amount owed. Please remove this public record for violating the Fair Credit Reporting Act it does n't seem right. I have included the documentation from the Georgia Department of Revenue showing that this is inaccurately reported. So, I need for you to Delete this account ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT SUBMITTED BY MYSELF XXXX XXXX THIS IS FOR TRANSUNION : my current report shows : 1. XXXX ( XXXX ) with a XXXX available credit & XXXX balance missing. This account reports to ALL XXXX bureaus 2. XXXX XXXX XXXX XXXX has XXXX available credit with a XXXX balance not a XXXX bal
Product: Mortgage

Lender not willing to postpone schedule sheriff sale to allow us to proceed with a short sale. We are currently living in the property and have faxes the items numerous time to the lender