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

in accordance with the Fair Credit Reporting act XXXX Account # 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 Enhanced Recovery I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two disputes to Transunion for my XXXX  XXXX account being reported late as of XXXX and XXXX of XXXX. The XXXX XXXX account was CLOSED and paid in full on XX/XX/XXXX. For some reason, XXXX XXXX reported it OPEN and LATE even though I called XXXX  XXXX and they apologized and said they will add a note to update the report with the accurate information which they mentioned that the account was paid in full on CLOSURE date and was never late. I disputed with XXXX and they removed the late payment and properly closed and documented the account. 

The first dispute was on XX/XX/XXXX and Transunion came back and still reported my account as XXXX and late but they removed XXXX and kept XXXX as late ( what? ). I then submitted another dispute on XX/XX/XXXX and they came back and reported my payment history to be 100 % but my pay status was late 30 days even though the payment history has already been updated as never late and the pay status does not even say when the account was late which was ridiculous. I have tried to reach Transunion multiple times and their representatives keep telling me to dispute again. I should NOT dispute an item three times for Transunion to get it right or investigate right. They probably never even contacted XXXX XXXX. Corrupt company and disgusting behavior.
Product: Prepaid card

UniRush owns RushCard prepaid and on XXXX XXXX, 2015 RushCard was suppose to do maintenance to their website which was suppose to be completed by XXXX then it was XXXX. When I spoke to someone on XX/XX/2015 they claim the problem would be fixed in a few hours once I told them I was n't able to load money on my card. When I called again on XX/XX/2015 and told the representative RushCard had locked my card the representative kept having me put in my information on my online account to the point RushCard had put my account on hold. As of Wednesday XXXX XXXX, 2015 RushCard has Deactivated XXXX if not XXXX of it 's customers cards, locked their accounts, and stolen our funds. Now XXXX hours later customers still have no access to their cards, their money, and when you call RushCard their representatives have such bad broken English, they do n't comprehend English, and they ca n't assist customers. Like many other customers I have to pay bills among other things. At this point customers believe RushCard has stolen everyone 's money and continue to lie about it being an update. I 've never seen any company take XXXX hours to do a system update. UniRush needs to be investigated because they 're holdong customer 's money hostage and do n't give a XXXX what anyone has to do. When you call the UniRush Corporate phone number they never answer and when you call the RushCard customer service number you 're on hold for an hour then you get someone on the phone who ca n't assist you because they ca n't speak English properly. 

RushCard first locked my card then they deactivated my card with my money on it and they 've done this to XXXX of other customers as well of their system is giving the wrong information as well as their system told me my card is n't even activated. I 've called their customers service far too many times and have been told XXXX lie after another. They 've refused to compensate their customers for all the inconvenience they 've put us thru and they 're not trying to move fast enough to fix the problem.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX 
XX/XX/year> Approximately XXXX XXXX XXXX XXXX Credit Corp solutions added many times. Sold acct from old XXXXXXXX XXXX that was hacked. I've had removed multiple times from others. Still re appears. 

XXXX XXXX XXXX XX/XX/year>. Contract been taken care of.
Product: Debt collection

I was a victim of identity theft and noticed a collection from Ad Astra I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Ad Astra in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to access my Transunion and Transunion XXXX accounts. I spoke with their customer service rep at ( XXXX ) XXXX on XX/XX/2023 and was instructed to email XXXX forms of photo id and a copy of a utility bill to XXXX. 

I sent the requested info as instructed. On XX/XX/2023 I received an email notification that my case was closed. Yet my problem wasn't fixed and I still can not access my accounts. 

On XX/XX/2023 I called their customer service number again and was told that my problem would be referred to the supervisor who would call me back. 

I have had no further contact with Transunion customer service. 

My access is still denied and I am not getting help from Transunion. 

Please help me.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the inclusion of inaccurate bankruptcy-related information on my credit report. Upon a detailed review, I identified references to a bankruptcy filing that do not pertain to me. I have never filed for bankruptcy, and this erroneous record appears to result from an inadvertent merging of my information with another individual possessing similar identifying details. This misattribution is inflicting undue harm on my creditworthiness and financial reputation. It is imperative that this erroneous record be promptly corrected. Specifically, I request that : 1. The bankruptcy language be entirely expunged from my credit report, as it bears no connection to my financial history.

2. All accounts, notes, or status updates erroneously associated with the bankruptcy record be rectified to accurately reflect their true status. 
To support my dispute, I am providing the following documentation : Personal Identifying Information : XXXX XXXX, XXXX : XXXX, DOB : XX/XX/XXXX 
Proof of Identity and Address : A copy of my government-issued ID and a recent utility bill. 
I request that your agency undertake the following steps : 1. Investigate the origin of the bankruptcy entry to determine its accuracy and association with my credit file.

2. If the information can not be substantiated as both accurate and directly attributable to me, it must be permanently expunged from my credit report as required under the Fair Credit Reporting Act ( FCRA ).

3. Provide written confirmation that the bankruptcy entry and any related references have been removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX
Product: Debt collection

On XX/XX/2019, my supervisor came to me and informed me that someone was reaching out to me and didnt say where or who. My supervisor gave me the number to call back. On Monday I received a phone call from a company that claimed that is a 3rd party for money key. I nicely told them that can they please stop calling my job and me. The lady on the phone was very rude and started yelling saying that I need to pay them back or they will take legal action soon. Today XXXX XXXX the same lady called and once again being rude and threatening me by saying they will file a lawsuit against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XX/XX/19 ) Received email that my account is " delinquent '' from missing a payment, called and ECSI representative said it was a mistake ( XX/XX/19 ). 
I made a payment and re-set up automatic payments moving forward ( XX/XX/19 ). Account still incorrectly marked as delinquent and bringing down my credit score. 

Help is much appreciated!
Product: Student loan

I do n't have much information, as I have not been contacted. I was just approached by a neighbor because they called HER and acted like it was a character reference and asked all sorts of questions, including where I work, my phone number, and more. She did not respond, as she 's aware not even I have her number, so I would n't have used her as a reference. The person who called was XXXX and her number is XXXX.
Product: Debt collection

After cancelling our XXXX service I continued to receive bills from the company to which I responded by calling the company numerous times. Each time it seemed like the issue was settled and that I did not owe a balance. I stopped relieving the bills which I took as the issue being settled until I saw the amount in collections. I never received a bill or phone call about this balance. The balance should have never existed as I had cancelled our service with XXXX long before this. Since it was in collections I had gotten it taken off but now it is back on my credit.
Product: Debt collection

I recieved a phone call from alliance collections after they were told previously not to call my cell phone, they also used an auto dialer which is illegal in wisconsin
Product: Bank account or service

Hi have an unsecured line of credit with Santander Bank. I also have XXXX checking accounts, a savings account for my son, and my HELOC with Santander bank. I use the unsecured line of {$5000.00} as my overdraft protection account. The interest rate on that account is aggressive, but it does n't bother me because I do not keep an open balance on there for long. In fact, I transfer money over very quickly and the check daily for any additional interest that may be tabbed to that account so I can pay it off. However, the account is set up incorrectly. The online interest balance does not match what is printed on the paper statements I receive in the mail. When I pay the interest online, it is not credited against the interest due somewhere in the account, and I am then billed for interest in a paper statement. However, the balance online is reported as zero. I have called about this numerous times. They tell me the online account reporting does not reflect everything and I have to rely on the paper statements. However, I pay everything online, so I continue to transfer money over to that account, but it is not peroperly reflected anywhere. I have asked for a transcript of this account for the last 2 years, but they will not give me XXXX. I have hiked my complaints all the way up to the main office, but they tell me I need to call customer service. I have put everything in writing but they seem to not understand. I most recently was reported for 60 days late for {$7.00} this past XXXX and XXXX. I used money from this account and paid it back the same week and the next week. I then paid interest the following week. The balance showed XXXX once I paid, and I do not know why they would hand bill me for {$7.00} interest but not report it as interest due online for 60 days. This is very frustrating. I have perfect credit and am never late on any accounts. This small account has caused a great deal of problems for me and is negatively reported on my credit report now. I am not getting any cooperation from this bank. I have had my main checking account for XXXX years, and I do not appreciate being ignored when I point out a legitimate issue with the setup and billing on this account.
Product: Vehicle loan or lease

I spoke with XXXX XXXX regarding a settlement with XXXX XXXX. We arranged to settle a delinquent account for {$1500.00}. I paid {$1000.00} XX/XX/XXXX and remainder was due by XX/XX/XXXX. I called in on XX/XX/XXXX to pay remainder settlement of {$500.00}. XXXX was very rude asking why did I file a complaint with AG? And that I was wasting her time with complaint> She seemed very upset, and spiteful. I provided a XXXX XXXX credit card to make a one time payment of {$500.00} to settle the account in full. She sent me a receipt and never stated my card would be charged as a cash advance. The next day XXXX XXXX froze my account stating XXXX made 2 charges for {$500.00} and one charge was a cash advance for a wire transfer. I called XXXX immediately but XXXX was somehow unavailable. I never authorized this company to cash advance my card or make an additional charge. This has caused a huge inconvenience freezing my credit line. XXXX XXXX intentionally charged my credit card for a cash advance out of spite from me filing an Attorney General Complaint. This employee definitely needs to be investigated on her business practices.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX  -BALANCE {$23000.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX  Account Name : XXXX  # XXXX  Account Name : XXXX # XXXX  Account Name : XXXX # XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights under 15 USC 1681.

I am not accepting responsibility for any of the below accounts however my attempts at removal due to the nefarious acts of others have gone unnoticed. Several of these accounts that have reached the 7 year mark have been hurting my credit for almost 10 years through no fault of my own and should be removed at once. Again, I will list in detail the aforementioned accounts below. 

XXXX. XXXX XXXX XXXX ( reporting over seven years ) Account number XXXX This company is adding on time payments, that never occurred, to keep this active on credit report. This should have been deleted as the account was opened by fraudster in 2016. The perpetrator defaulted over 7 years ago. I have tried many times to fight this and now the account has passed 7yr tenure for reporting. 

XXXX. XXXX OF XXXX ( reporting over seven years ) ( XXXX Accounts with same account number in different amounts ) Account number XXXX XXXX. XXXX ( I did not open this account ) Account number XXXX XXXX. XXXX XXXX ( I did not open this account ) Account number XXXX XXXX. XXXX ( Reporting as duplicate account with XXXX XXXX ) ( Past 7 year reporting ) not my account Account number XXXX XXXX. Account name XXXX XXXX ( Past 7 year reporting ) - not my account Account numberXXXX XXXX. Account name NATLCRSYS ( Not my account ) Account numberXXXX Original creditoXXXX XXXX XXXX XXXX  XXXX. Account number XXXX ( Not my account, reporting more than 7 years ) XXXX XXXX XXXXOriginal creditor : XXXX XXXX. XXXX - not my account XXXX - This account was opened fraudulently through identity theft and documentation has been submitted to show this. Account removed from XXXX, still reporting through Equifax and XXXX. 

Credit reporting laws violated are listed below -- 15 U.S.C 1681 Section 602 A states I have the right to privacy.

604 A Section 2 - States a consumer reporting agency can not furnish information without my written instructions/consent.

15 U.S. Code 1679c - Disclosures - The credit bureau must remove accurate/inaccurate, negative information from your report if it is over 7 years old.

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

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate.

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

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 Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Mortgage

Complaint Summary : Significant damages caused by NVR Mortgages negligence, resulting in a delayed home closing, breach of a duty, and financial and personal hardships. 

Details of the Complaint : I am filing this complaint regarding NVR Mortgage for their gross negligence during my mortgage application process, which has caused substantial financial losses, personal hardship, and potential legal exposure. Below are the key details : 1. Background - In XX/XX/XXXX, I signed a purchase agreement for a new home with an intended closing date of XX/XX/XXXX. 
- The lender required that my current residence be leased out to qualify for the new loan, and I secured tenants with a lease start date of XX/XX/XXXX. 
- Despite meeting other loan conditions, my closing has been delayed until XX/XX/XXXX or later due to the lender 's failure to correctly address a 12-month payment requirement under XXXX XXXX guidelines . 

2. Loan Processor Negligence : - The loan processor improperly included my realtors {$4000.00} commission as part of my closing costs. This error further complicates my financial situation. 
- Additionally, the lenders delay in identifying and addressing the 12-month payment requirement reflects a severe lack of due diligence. 

3. Personal and Financial Hardships : - My wife and I will be temporarily homeless, requiring us to secure storage for our belongings and temporary housing at significant cost. We just got married on XX/XX/XXXX. 
- This situation has caused emotional distress, particularly as we are newly married, and I am unable to focus on my preparation for law school in early XXXX. 
- I am incurring additional costs to prepare my current home for tenants, despite uncertainty about honoring the lease. 

Conclusion NVR Mortgages actions have caused severe financial and emotional harm, and I urge the CFPB to investigate this matter urgently. Their negligence has left my wife and me without a home during the holidays, strained our finances, and exposed us to potential legal action from tenants. 

I am happy to provide additional details or documentation as needed.
Product: Vehicle loan or lease

XX/XX/2020 credit acceptance finance stating I owe XXXX. It should not be this amount due to my car was paid off in a car accident in a finance company is still trying to charge me the interest rate for the next several years. Because it paid off before the years the contract ended.I should not be charged the interest rate.
Product: Credit card or prepaid card

On XX/XX/2021 I made a purchase using my Cash App card at The XXXX XXXX for the amount of {$31.00}. The XXXX XXXX cancelled the order due to being out of stock and they refunded {$31.00} to my Cash App card. 

However, when I checked my Cash App account, only {$1.00} was refunded. I have tried to bring this up with Cash App customer support, but they keep saying that they are unable to reimburse the missing {$30.00}.
Product: Credit reporting or other personal consumer reports

I represented a protected person as her Court Appoint Guardian. The protected person is referred as XXXX with Account # XXXX. 

Under Indiana Code ( IC ) 29-3-8-5 ( b ) : Every contract, sale, or conveyance executed by a protected person is VOID. Therefore, all transactions, even if claimed to be made by the protected person XXXX, are VOID. Thus, all conveyance and transactions must be retracted, redacted and sealed. XXXX is a protected person under IC 29-3-1-13. The information of a protected person is also protected and can not be disclosed without Guardians/ Courts permission during guardianship. 

JPMCB Card Services has no legal authority to issue a Credit Card to protected person without Guardians permission. Furthermore, JPMCB has no legal authority to report, distribute and make available of a protected persons financial information to anyone without the permission of the guardian. JPMCB has not shown any legal authority that supersedes Indiana Guardianship Act.

The Credit Card and the wallet of the protected person was stolen. See Police Report Ex. 1. 

On XX/XX/2023 JPMCB stated that XXXX has no outstanding balance. See Ex 2.

I contacted JPMCB several times requesting to remove their reporting of a huge outstanding balance from the Credit Reporting Agencies, and comply with their said commitment made on XX/XX/2023. 

JPMCB is directed to contact me by email and US Mail at : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX.