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

Transunion advertises FREE credit report. I went onto their website thinking I was getting a free credit report and they charged my credit card twice, once for the credit card and the other for credit reporting. This was very deceptive. I'm an educated man and they still got me to give them my credit card number thinking it was necessary for the FREE credit report. 

I contacted them with 24 hours of the error and they did not offer to refund my payment, but offered to cancel further charges to my credit card. 

What a good business model, pulling in potentially millions of consumers with the promise of a FREE credit report and then get them all for around {$50.00} before the consumer realizes what happened.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, DEPT OF ED / XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, DEPT OF EDXXXXXXXX XXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

I have several issues with Experian. See below : 1. The following XXXX bankruptcy accounts appearing on my file were previously removed in XX/XX/XXXX due to my credit file being mixed with another individual and not belonging to me. The Bankruptcy case # 's are XXXX and XXXX. As of XX/XX/XXXX they were re-inserted back onto my file. In addition, there were several other accounts that were not mine, XXXX, acct # XXXX, XXXX acct # XXXX, XXXX, acct # XXXX, and XXXX, acct # XXXX. All of these accounts belong to whomever my file is mixed with, they are not my accounts. I asked Experian to provide me with the documentation received from the creditors identifying that these accounts in fact belong to me which would be my ENTIRE social security number, address and DOB. I was informed by XXXX whom I spoke with today, ( XX/XX/XXXX ) that I would need to contact the creditors to obtain this information. I would like for Experian to provide me with a copy of the documentation proofing that the accounts in fact belong to me or remove them from my file immediately.
Product: Credit card or prepaid card

Its about {$800.00} that i apply for dispute for not received purchase order. About 16 transaction. 
My bank denied my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke with A supervisor who was rude, disrespectful anx hung up in my face by the name of XXXX agent ID numbe - XXXX. I have expressed I have been unable to get my credit report or see any of my information and she stated I had to submit my drivers license which I have done prior. I explained to her I have completed that process and this company has refused to resolve the issue. This has been going on for over A year now! I informed them my last name was no longer XXXX and had been changed to XXXX and I provided my drivers license as proof. They have not updated any information in their system and instead keep asking me to resend the same Drivers license I have already sent now 3 times! I was A victim of fraud and need to have access to my credit report to go over. I have been unable to access it threw my XXXX XXXX  i have been unable to access three myequifax profile. And I am out of options.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my Experian report I noticed multiple accounts that do not belong to me.I have contacted Experian and they are doing nothing about. this issue. The accounts in question are XXXX XXXX XXXX, XXXX XXXX? XXXX XXXX, XXXX? VT. I spoke with XXXX in the Special Services department and was assured this matter was going to be habdled. It still has not been handled.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Removal of Fraudulent Hard Inquiries Due to Identity Theft Dear Credit Bureau/Transunion , I am a victim of identity theft. I recently reviewed my credit report and found four hard inquiries that are 100 % fraudulent/identity theft and not authorized by me. 

Fraudulent Hard Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not made by me, and I am requesting that they be 100 % removed from my credit report immediately. This is a clear case of identity theft, and I need this issue addressed expeditiously. 

Please confirm once these inquiries have been removed. Thank you for your time and prompt attention to this matter. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan at one financial institution, after a few days I noticed many inquiries by different institutions in my credit reports that I did not authorize and were done without my prior written or verbal approval. This leads me to believe that my credit information was given to other agencies without my consent thus violating my rights as a consumer. The following unauthorized inquiries in my report are as follows, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

Received letter from CFM XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, as well as many phone calls starting in XX/XX/XXXX thru XX/XX/XXXX, about a breach of contract with XXXX XXXX XXXX. We sent them our response and our reason for terminating our contract with XXXX. Now it is starting again, XX/XX/XXXX with 3 phone calls, we asked them to stop calling our office. Then they sent email XX/XX/XXXX and we responded again with our documentation, and requested again to not call or email our company. Another ( unprofessional ) email was sent XX/XX/XXXX threatening company credit and further collection attempts.
Product: Debt collection

I arranged a monthly payment plan with my local hospital, Maine XXXX XXXX XXXX XXXX Hospital for unpaid balances. The hospital officer, Mr. XXXX XXXX agreed to this and had his assistant XXXX XXXX approved putting additional amounts on the balance being paid down. After 2-3 years or more of accepting these payments the hospital, MrXXXX XXXX, unilaterally demanded I renegotiate the payment plan. I refused. In response the hospital hired or sold my debt to a collection agency in XXXX named Marcam.  Marcam harrassed me and my husband for the next couple of years by continuously sending erroneous bills. These bills were wrong because we were making those agreed upon payments. In fact we continue to make those agreed upon payments. 

Since the harrassing letters continued from Marcam, sometimes 6 or more a month, I sent them a registered cease and desist letter which they received, and signed for, on XX/XX/2020. Unfortunately the harrassing l etters from Marcam have continued to come. I have received 3 now since they signed for the cease and desist letter. I have no relationship with Marcam no r do I not want one.  Meanwhile I continue to make the agreed upon payments to this local hospital, Maine XXXX XXXX XXXX XXXX Hospital in  XXXX, Maine.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Monthly Updates of Account Collections Dear CFPB, I am writing to formally lodge a complaint regarding my account with Hunter Warfield. Account Number : XXXX. I have noticed that this account is being updated with collection entries each month, despite the fact that no payments have been made and there has been no activity on the account since it was opened on XX/XX/XXXXXXXX XXXX XXXX 
This practice appears to violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), which requires that information provided to credit reporting agencies must be accurate and complete. Additionally, the FCRA stipulates that the date of the first delinquency must remain unchanged, and accounts should not show new delinquent entries unless there is new activity. The relentless monthly updates on this account have not only ruined my credit but have also created an unbearable burden in my life. Because of these damaging entries, I have been unable to secure stable housing, which has caused me immense emotional distress and instability. Each rejection from potential landlords due to my tarnished credit history feels like a weight on my shoulders, making me feel trapped and hopeless. This situation has turned my life upside down, leaving me in a constant state of anxiety as I struggle to find a place to call home. Furthermore, this ongoing monthly reporting could be seen as a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. I requested verification of this debt on XX/XX/XXXX XXXX  and the company did not respond. I believe that the actions taken by Hunter Warfield are not only misleading but are also a direct violation of my rights under these consumer protection laws. I kindly request that the CFPB investigate this matter and take appropriate action against the involved parties. Thank you for your attention to this urgent and distressing issue. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts as soon as possible. 

DPT ED/XXXX XXXX {$160.00} DPT ED/XXXX XXXX {$1400.00} DPT ED/XXXX  XXXX {$2900.00} XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$2000.00} XXXX  XXXX XXXX {$4600.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$530.00} XXXX XXXX XXXX {$82.00} XXXX  XXXX  XXXX  XXXX {$100.00} XXXX XXXX   XXXX {$270.00}
Product: Debt collection

I was contacted by a recruited for a program/ job opportunity through the University XXXX XXXX XXXX I was told if I did the program then I was eligible for hire through various companies. After researching the school further and discussing with colleagues they said the school wasn't accredited for the program I was enrolled in. Thus, I never attended any classes and unenrolled immediately after. I have disputed this account on all three of my reports for years because they tried to even send me a refund check in the mail -- that I did not cash. now fast worded to this year it is still reporting and negatively impacting my score -- they have a lawsuit with the FTC for falsely posting programs for potential hire. I've disputed with their office and they say even though I didn't attend classes I'm still liable for the debt -- so I've settled and I've still been given the runaround about this. I would like this deleted off my report as this should have been covered under the FTC lawsuit.
Product: Checking or savings account

I called the bank on XX/XX/year> to let them know that I needed to dispute a transaction for an item that I didnt receive. They filed the dispute but today I remembered that they didnt tell me when I was going to receive the temporary credit for the dispute. I called today and they said that they wont be providing a temporary credit, that Ill have to wait until the dispute is resolved and that can take up to 90 days. I told them that doesnt sound right because they are not advocating for the customer and they are putting the customer in a financial situation.
Product: Money transfer, virtual currency, or money service

Here is what happened : 1. On XX/XX/XXXX I put a XXXX XXXX XXXX XXXX Unlocked smartphone up for sale on XXXX with no returns accepted. Proof : XXXX XXXX XXXX 2. OnXX/XX/XXXX, a XXXX XXXX in California purchased the device for {$580.00} + {$12.00} shipping and she paid through PayPal. 

3. I shipped out the device within the next couple of days, and on XX/XX/XXXX the buyer confirmed that she received the device in perfect working order and that my service was perfect. However, she also requested to return the device. Proof : XXXX XXXX XXXX 4. In accordance with XXXX 's terms of service, I rightfully declined the return. 

5. The buyer ( XXXX XXXX ) proceeded to dispute the payment ( {$580.00} + {$12.00} shipping ) with her financial institution. 

6. PayPal contacted me regarding the dispute, and I sent them the proof that I have supplied you showing that the item was posted for sale with no returns accepted, and that the buyer acknowledged receiving the device. 

7. About a week or two later I got a notification that the buyer 's financial institution decided in her favor, and they reversed the charge without requiring her to contact me or ship back the phone or send me the money in another way. 

8. PayPal has now locked my account and is asking for the {$590.00} ( {$580.00} + {$12.00} shipping ) back from me, even though I do not have the phone. 

9. I have contacted XXXX and PayPal many many times since then, requesting their help, but XXXX just tells me to talk to PayPal, and PayPal just tells me to talk to XXXX or the buyer directly, and that they can not give me the name of the buyer 's financial institution. 

10. I contacted XXXX XXXX directly per PayPal 's suggestion, we had 1 discussion about this issue over the phone, she claimed she was not aware that the dispute was decided in her favor, and said she would have to catch up on email and get back to me. 

11. Since our first contact over the phone, XXXX XXXX has blocked my phone number it seems and is not replying to my emails. 

12. It appears she is trying to commit fraud and scam me out of the phone that I sold her and the money. PayPal and XXXX have done nothing to help in the situation and are completely denying any responsibility to aide in resolving the manner.
Product: Debt collection

I've disputed this several times. 
I've been living in XXXX  for the last year and before that XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a dismissed bankruptcy that I have already sent a FTC report back on XX/XX/2021 they responded with verified. I contacted the bankruptcy courthouse and they stated they dont report to any credit reporting bureau which I attached a letter so I dont know where experian got this information from. I also contacted XXXX XXXX and they said they couldnt find a bankruptcy connected to my personal information. Experian is in violation for reporting inaccuracies on my consumer report and had cause me personal damage and distress. According to 15 USC 1681c-2 any information resulting from an alleged identity theft shall be block no later than 4 business days.
Product: Prepaid card

XXXX 2016 I put in a claim with my financial institution where I purchased XXXX iPad mini gold XXXX from XXXX it was delivered and I did n't receive it. Went Through the proper procedure in filing a claim only for my financial institution to ignore my claim. I 've reached out to them numerous of times in regards to the claim and they still ca n't provide me with an update. I contacted the consumer finance in regards to the issue and they reach out to a bank but it was the wrong bank but XXXX reached out to US direct Express which they are the institution that works with my card concerning the issue and have n't heard anything back from them. A representative contacted me from us direct express and looked into my claim with consumer finance as well as the claim I had on file pertaining to my account and said he 's denying my claim a year after I put my claim in because I have a claim with XXXX the carrier of course I explained to the representative XXXX that I dnt have a claim with XXXX and the case number I provided was case number that 's linked to delivery inquiry that was made with XXXX. Me as the receiver could n't file a claim because the merchant is who could file the claim not me and I explained that to XXXX only for him to ignore me and still state that I have a claim on file only shows me that my financial institution never investigated my claim because if they did when they contacted XXXX the carrier XXXX would 've provided them with the same information they given me a year ago and I also contacted XXXX after speaking to XXXX XXXX and a representative from XXXX confirmed my story about the delivery inquiry so that shows me they never investigated.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

TRANSUNION 's inaccurate reportings of two credit report inquiries ( " XXXX/XXXX  '' & " XXXX XXXX XXXX '' is damaging my credit score potentially impairing my ability to obtain a mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reviewing my rights and my consumer reports lately, and have come into quite a bit of knowledge I did not know prior. My issue is with account reported, as during the time the account was opened, I did not know the law or my rights as a consumer. This will be sent to the attorney general 's office as well. My complaint is with the following reported account : -XXXX # XXXX Under Federal Law, violations occurred via 15 US Code 1601 due to the following reasons : -In XXXX of XXXX  I made an uninformed credit decision with XXXX XXXX XXXX bank XXXX regarding this particular credit decision. 
- I now know, that at the time the notice of debt by agreement is now null and void due to the fact that I made a uniformed credit decision. 
- the law states that " adequate notice '' should be a printed notice stating facts " clearly and conspicuously '' where a person could notice and understand its meaning. That was never provided to me either.
Product: Checking or savings account

On Monday, XX/XX/XXXX I withdrew {$40.00} from an ATM but the ATM charged me {$140.00}. I called the number on the ATM machine ( XXXX ) to let them know. They wrote up a case number ( XXXX ) and told me to contact my bank ( Chime ). I contacted Chime and they said they would refund the {$100.00}. I didn't receive the funds so I called Chime back on Friday, XX/XX/XXXX. I XXXX the number and the number that came up was XXXX. They answered with using the name Chime and stated their name as XXXX XXXX. I told them why I was calling and they walked me through several prompts and all of a sudden all of my money was taken from my account and the guy said I would have it all returned within two hours and he hung up. I later spoke with a family member and they said it sounds like I was scammed even though I called the number that XXXX had listed for Chime and the phone was answered as Chime. I then called the number on back of my Chime card to explain the situation to them. They said they would investigate. they replied in less than 24 hours and said that they had investigated and found no error occurred. I don't understand how they could have completed their investigation in less than 24 hours and say that they will not refund the {$100.00} that I was charged for by the ATM but did not receive or they would not refund the money that the scammer posing to be Chime took from me when I called the number listed on XXXX as Chime. I am pretty sure that Chime is FDIC insured and don't understand how they can not return my money. I went on XXXX and found someone else had posted on XXXX  that a similar thing happened to them. I am a XXXX XXXX veteran and XXXX XXXX XXXX that lives off of my XXXX so any help you can give will be very much appreciated.
Product: Vehicle loan or lease

My loan auto loan for my XXXX XXXXXXXX XXXX has had several payment issues with my loan company. Payments were not posted to my account yet they took the money. They were going to repo my XXXX and demanded payment so I had to send them an official bank check which caused me many financial hardships because they had my 4 payments from XXXX XXXX who took my money instantly from my debit card. Exeter demanded an official bank check to stop the repo. So they are keeping four payments that now make my account ahead. Even then they refuse to grant me my account history are still saying I'm behind and now I find they have sold my loan to a debt collection agency when I was never behind in payments. I find their actions are unfair and abusive to my credit report and me. XXXX XXXX has closed my account for reporting it to my bank both XXXX XXXX and Exeter Finance refuse to give me my payment history. How is Exeter allowed to charge off my loan as bad debt when I was never late in the first place and then sell it to a debt collection agency. This is so unfair.