23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was in a near fatal car accident on XX/XX/XXXX, I had full coverage including personal injury protection, the other driver also had full coverage. After some minor medical procedures and therapy I was back in good health. Some of my medical appointments were at XXXX XXXX and the billing/payment process was delayed by my insurance company until they could coordinate with the other driver 's insurance company. After about a year the other driver 's insurance company settled, but during that time frame I personally received numerous collection attempts ( even though I was covered ). My credit report still shows an {$82.00} dollar collection from Suburban Credit Corporation despite the bill being settled by my attorney almost two months ago ( XX/XX/XXXX ). I have called numerous times to request removal and they keep saying it will be off next week. This is negatively impacting my otherwise flawless credit history and effecting very important loan rate quotes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and consumer. TRANSUNION has violated my federally protected consumer rights. I am writing the on my own behalf. I have suffered several damages due to TRANSUNION violating my federally protected consumer rights.
Product: Vehicle loan or lease

I was 100 % paying customer until I got into car wreck that all most took my life, literally. I was in a XXXX for 2 months and then in there XXXX for a month. At the middle of XXXX my family knew I was going to buy a veteran assistance loan, so they got in touch with all credit cards and loans. Honda financial wouldn't give them any information but they took insurance info, gap info and what I owed as deductable but wouldnt give them info on my payments they say I missed. I missed none and told them they dont care if I am XXXX because their car didnt release airbags. Now they ruined my credit while they knew checks from insurance and extra insurance with their company called XXXX. Anyways I am out of first step but deeply depressed I might never walk again and they want take back late payments when in XXXX, XXXX. They are shameless and triffling. They got money for car but wont realaste to credit companies.
Product: Money transfer, virtual currency, or money service

I used XXXX to transfer XXXX $ on XXXX to XXXX XXXX. XXXX will not help in the matter. The guy is a crook and needs to be arrested for fraud. I should have seen up front but didnt know right away. He uses this email XXXX XXXX and also XXXX. His XXXX details are XXXX I have emailed him for the last 3 days and got no response. I have no other contact info for him. He uses XXXX to post items for sale.
Product: Payday loan, title loan, or personal loan

I received an email back in XX/XX/2018 from Solid Oak Finance after I had applied for a personal loan through a different lender and been denied. I had a need for car repairs and needed to come up with the funds quickly. I completed the loan application was approved and funded the next day from the Cash Advance/Payday loan lender. Since that time I have repeatedly attempted to find out the payoff amount and, on the few occasions anyone has bothered to reply to me, the amount is always higher than the initial loan amount of {$320.00} -- I have now paid {$2100.00} for a {$320.00} loan and have been informed that I would STILL need to pay in excess of {$500.00} to payoff said loan. I have also been told that this type of loan is also ILLEGAL in NC but am not 100 % certain if that is the case or not ; all I know is that I have paid literally thousands more than I should have out of a stupid and desperate need and this company should mark my loan as paid in full and also refund me at least {$1500.00} in the excessive fees. I am attempting to close my bank account to stop this but it is an extremely difficult task as I have numerous household bills debited monthly as well as direct deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I flew into XXXX XXXX XXXX and my luggage was stolen. Inside the luggage were my drivers license, birth certificate, social security card, and debit cards. Over the course of a few months I began to notice that my information was used to obtain medical treatment, credit, banking accounts, and public service utilities. I contacted XXXX, Experian and XXXX respectively to make them aware that there was debt incurred fraudulently and that it was reporting negatively to my consumer report. I disputed those items and placed fraud alerts on my consumer report over the years but XXXX, Experian and XXXX continue reporting each fraudulent account despite my numerous disputes over the last 7 years almost. A police report has been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file complaint to remove hard inquiry from my report due to error from XXXX XXXX XXXX XXXX They have sent request to remove credit inquiry from XX/XX/2021 but that is not done yet. Only XXXX have removed inquiry yet Transunion and XXXX did not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report to search for inaccuracies. After searching and finding inaccurate information, I contacted Transunion and spoke to a XXXX REP about my concerns. He stated that the inquiries were deleted and that I will receive an email with my results. I also received a confirmation number. I checked my credit report days later to see those inquiries added back to my credit report which is a violation, because I was n't notified prior to them being added back on. I contacted Transunion and asked that they removed the inquiries that were illegally added back on. These inquiries are adding a hardship to my credit report and my rights were violated. I ask that you make Transunion stop victimizing me.
Product: Debt collection

I have responded and sent out dispute letters to company Ability Recovery Service for XXXX College. XXXX College stating that I owe them {$1300.00} in payments for classes that I never attended. I was a victim of identity theft and have present an police report to the credit bureaus to put on my file. They have my phone number and mailing address that they are sending this information to and I have not done any business with them. I have explain in my letter to Ability Recovery Service collection agency that I do n't owe the money for this debt. Per the collection agency XXXX College wants me to call them and explain the situation to them, but I sent dispute letters to them and the credit bureau to get this collection debt off all three credit bureau and I have not had any luck.
Product: Debt collection

I've requested that XXXX XXXX XXXX please have Capital One verify the original debt they are collecting on. They also list that they opened the account with the bureau 's although I believe the account is older than 2020. They have yet to verify the debt I've requested.
Product: Credit card

Unauthorized charges were applied to this account. I requested a {$50.00} loan plan using an Affirm Virtual Card, with the Loan ID XXXX. The vendor was listed as " Work. '' However, I disputed this charge because no vendor requested {$50.00}. Consequently, the loan plan should have been canceled because of the lack of purchases. Affirm agreed to applied {$40.00} back to my account and retained {$10.00}. Assuming XXXX an interest. I demand that Affirm refund {$10.00} due to the reason that Loan ID XXXX had no vendor requesting the dollar amount {$50.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX for sure. The correct PAYMENT HISTORY is not reporting correctly for my XXXX Card # XXXX. It's showing only 2 months when it should show 5 plus years ... Please correct history ASAP!
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. 

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 XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX & # XXXX & # XXXX, XXXX, XXXX. : # XXXX, XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, someone attempted to add themselves to one of my credit cards along with changing my address. XXXX XXXX emailed me and I closed the account. I then receive a letter from XXXX wanting information on a credit application. I contacted the institution in XX/XX/XXXX and closed the application process. They removed the account from my credit file. When I received my credit report because of these issues in XX/XX/XXXX, I noted an account with XXXX/XXXX which I never applied for on my credit report. I contacted them and was advise I would get a letter to reply to it. Never received. I disputed the account with the credit bureaus ; however, Experian will not remove the account after twice providing details to them. I put a credit freeze with Experian since most of the issues appear to be related to their credit reports. I have also filed a dispute with XXXX. They are in the process of investigating my dispute. I have never visited a XXXX nor would I get a gas card from them.
Product: Credit card

I was traveling internationally, and had made a purchase with a store using the Citi Costco Anywhere card managed by Citi ( herein referred to as " bank '' ). The bank fumbled the transactions with the merchant and duplicated my charge. I started a dispute with the transactions and was basically told they could not do anything. Even though all the agents were polite, it was like talking to a black box that goes nowhere.

Today ( XXXX XXXX XXXX ) I have received a notice of their dispute resolution saying that I was at fault. There are no explanation, and it seem they did not do anything that they claim they will help during the investigation ( more detail below ). 

I will avoid using this credit card for anything beyond XXXX purchases from now on since this hassle clearly outweighs any benefits to be gained from the card ( which are already covered from my other card ). I will avoid dealing with Citibank for everything and anything in the future, including opening new accounts and services.

XXXX XXXX XXXX : I used my card for the first time at the store, and the bank flagged this transaction for potential fraud after I have previously called to notify them of my international travel. I called their fraud department to authenticate the purchase and explain that I would like to make the transaction with the store. I had repeatedly made a verbal request to the agent to please handle the transactions with care, because I do not want to be duplicate charged. I was told that I will not be duplicate charged and to go ahead with using my card for a second time, since the first transaction has been declined by the bank. 

XX/XX/scrub>XXXX XXXX XXXX : Both transactions got posted on my account. I have called the bank contact number and was transferred XXXX times before reaching the right department ( annoying since Citi has a convoluted structure and their directory inaccurate, or incompetent employee ). I was told that they will look into the matter, but there is nothing that they can do to help with my situation. I had reminded them of the numerous repeated requests during my first interaction with the fraud department on XX/XX/XXXX. They claimed that they will reach out to the merchant and the merchant bank on my behalf, and encouraged me to reach out to the merchant for a resolution directly. 

Today, XXXX XXXX XXXX  : I got a notice from Citi dispute center that the had resolved the dispute against my favor, but there are no explanation of their investigation. It appears that they have not really contacted the merchant and the merchant bank as they have claimed, and have not really taken any steps to resolve this issue. From a consumer protection standpoint this is unacceptable, especially for a mistake that the bank made.
Product: Credit card or prepaid card

I applied on XX/XX/2019 for a XXXX XXXX Visa card and I was denied via letter on XX/XX/201. Letter stated : Too few Bankcard accounts - I have 2 XXXX and XXXX XXXX XXXX Date of issuance of applicant 's ssn does not match date of ssn of peers. ( I have no idea what the heck this even means! ) Not enough Credit Experience - I have over 30 yrs credit. XXXX, XXXX, XXXX XXXX, and A XXXX Mastercard which they just switched from a XXXX Visa Too few revolving accounts - 1 have 4 XXXX, XXXX, XXXX, XXXX XXXX Your Credit Score : XXXX My credit score is XXXX! 

I have called Sagestream LLC XXXX XXXX different times one of which was again today! They do not return my calls. I have left messages that their credit reporting info in order to get the XXXX visa card is incorrect and they will not return my calls. 

I filled out another application on XX/XX/XXXX after I sent them an email telling them that what they reported to XXXX was incorrect and the 2nd app was also denied!. I called XXXX directly and they could not help.
Product: Debt collection

Received letter on XXXX/XXXX/16 from Collection Bureau Services Inc. Attempted to call them with no answer. Original creditor XXXX XXXX was listed, I contacted them and they said the debt was not in my name. Upon contact with Collection Agency was informed the debt belongs to my EX husband, informed them that we were divorced numerous years. Collection agency requested copy of dissolution degree to fax number XXXX, sent requested documentation on XXXX/XXXX/16. On XXXX/XXXX/16 this account is listed on MY credit report in collections!
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed an inquiry on there being reported by this company in which I have disputed them and put a fraud alert on my account as well with the credit bureaus & is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by XXXX XXXX on my XXXX credit report. Regarding the following inquiry < XXXX XXXX XXXX from XXXX XXXX, 2016 > I have disputed this unauthorized inquiry for several months with no help from the company or XXXX. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent to XXXX XXXX. I called and spoke with XXXX in their credit department and she advised me to fax over the information that is reporting inaccurate and they would delete it. As of today, it is still reporting. This is an UNAUTHORIZED inquiry. I am demanding this unauthorized inquiry be deleted from my credit file immediately!
Product: Debt collection

Account number XXXX Date opened XX/XX/year> Account type Collection Status Collection account. {$1700.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> I have contacted this collection agency. Because I got a report that something was added to my credit. It dropped my credit over XXXX points. And they added 2 separate collections with a total of XXXX points was taken from my credit report. I asked them to provide me a validation of death. They refused, they said that they had already contacted me before, but when I asked them to verify the phone number and address they didn't even have the correct phone number or address. So there is no way that they could have contacted me and have spoken to me. And when I ask for a A validation of debt they refused
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  never lets me know the results of my dispute within 30 days. Have not explained why several accounts past 7 years still remain on my file
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 : Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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

I pulled my credit report and found several errors that needed direct attention. I have been doing some research and the following companies are improperly using my credit report and they have violated my consumer rights under the FCRA. 

According to the FCRA, 15 U.S.C. 1681 Section 602A states I have the right to privacy. Also, 15 U.S.C. 1681 Section 604A states a consumer reporting agency can not furnish an account " WITHOUT '' my written instructions. I have never given anyone written instructions to furnish any information on me and it is a direct violation of my privacy.

Violations : 1. XXXX XXXX Bank Account XXXX XXXX 2. XXXX XXXX Account # XXXX 3. XXXX Account XXXX XXXX 4. XXXX XXXX XXXX Account # unknown
Product: Credit reporting

I tried to get a mortgage but was turned down by the underwriters as there was an issue of a late payment on my credit card back in 2012. After getting copies of bank statements I found that all payments were made by standing order each month, I then wrote to the company who told me that the account was marked as satisfied but the default would last XXXX years.i have now written back to them saying I am not happy with the result as I feel I have been unfairly penalised. I am XXXX years of age and am having difficulty getting a mortgage because of the years left ( XXXX ) max for mortgage.i am renting a property which is costing me XXXX more than the mortgage would have cost me, and gone through lots of stress because of this. 
The rest of my credit report is all up to date and in order apart from this, I work in retail banking so I know how important it is to always keep payments in order. I would be grateful to know your views on my situationThank you
Product: Credit reporting or other personal consumer reports

T

he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Debt collection

The debt collector is repeatedly calling my father 's cell # that I listed above. They also have called my cell # on several occasions. I do not know who these people are or what debtor they represent.
Product: Credit reporting or other personal consumer reports

A hard I inquiry from NetCredit was put on my report on XX/XX/year> for XXXX. There wasn't supposed to be any hard inquiry plus the portal said I was approved and then email said I wasn't.
Product: Debt collection

Ask XXXX XXXX for a settlement however they couldn't come up with a solution for me. I only received SSA and that very limited income.

Also, I would like to know when it was charge off, age of the account on company letter head.

If its collectible would like to know what settlement offers available.
Product: Student loan

I have consistently raised objections to this matter on numerous occasions, and the institution has previously notified us about their system being breached and our personal information being compromised through official letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the 2 negative accounts from navy federal opened around XX/XX/2020 because they were opened fraudulently. Under the FCRA section 605B these unauthorized accounts must be deleted within 4 business days due to identity theft.

I have filed a better business bureaus complaint and a FTC complaint