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

THIS IS NOT A DUPLICATE* THIS COMPANY IS A FRAUD. THEY HAVE BLOCKED ME FROM DISPUTING INACCURACIES ON MY CREDIT REPORT THAT ARE TRUE ERRORS. THEY HAVE NEVER PROVIDED METHOD OF VALIDATION FOR ANY ACCOUNTS REQUESTED. THEY HAVE NEVER PROVIDED UPDATED CREDIT REPORT AFTER EACH DISPUTES. THEY ARE FRAUDS. I HAVE COMPLAINED ABOUT THE FOLLOWNG ACCOINTS SEVERAL TIMES. SINCE THEY WANT TO BLOCK ME FROM ONLINE DISPUTING. I AM FILING A COMPLAINT FOR FRAUD. YOU CAN'T BLOCK A CONSUMER FROM DISPUTING!! AND THEY ARE TAKIN XXXX THAN XXXX DAYS TO RESPOND ON HERE AND ON WITH INVESTIGATIONS XXXX. They are showing accounts past the XXXX days statute of limitations XXXX. They have never provided a MOV XXXX. They are showing sold accounts with balances XXXX. They are showing repeated Charge offs every month XXXX. They are not being consistent with other credit bureaus Here are the accounts they are showing balances, XXXX past statues, sold accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX 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.
Product: Vehicle loan or lease

I called XXXX XXXX XXXX for a payment deferral and they said no, I escalated and was told I would get a call back and never did. I checked online and it showed a payment due doe XXXX and a credit of XXXX but it was in fact a past due amount. They use the same field for credit and past due amounts without differentiating which it is for. 

Based on how the website reads, I assumed the payment was deferred since no one ever called me back.
Product: Credit reporting or other personal consumer reports

Student Loan ( DEPT OF ED/ XXXX ) In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Has violated my rights. 

15 U.S.C. 1861 Section 602 A. States I have the right to privacy.

15 U.S.C. 1861 Section 604 A Section 2 : Also state a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a dispute letter to the credit bureau after reviewing my credit report. I noticed there were inaccurate items on my credit report and items that did not look familiar to me. It has been over a month already and I still have not received a response and my credit report is still showing the inaccurate items. These inaccurate items have been a huge obstacle in my life. After no response for over a month prior to completing this complaint I sent another letter demanding them to comply and conduct their investigation and respond. According to the law these items should be deleted because it has been well over 30 days and I have not been notified of any type of investigation taking place. I do not know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiry on my Equifax credit report. Someone used my personal information trying to get something.
Product: Prepaid card

XXXX makes payments via Money Network cards and I have not received XXXX so was instructed to call them. 
I have XXXX phone numbers for Money Network and all of them are automated and you either have to enter your social security number with birthdate or your debit card number. 

I can not reach a human because their automated system does not recognize my social security number and birthday and hangs up. 

I have never received the card so I do not have a debit card number to enter..so the system hangs up. 

I have no way of requesting a card ... since I can not get to a human ... and I have no way of getting paid ... since I never received a card. 

Money Network numbers : XXXX XXXX XXXX XXXX They are owned by Fiserv and they could not help either, other than giving me a phone number that I already had. So they then gave me an email address, XXXX, but no one ever responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITY THEFT. 
How many complaints do I have to do? 
They refuse to lock my credit report when I was a victim of identity theft. 
I have been trying to get extended fraud on my reports since when I was identity thefted XX/XX/2020 They refuse to lock my credit and they refuse to investigate all my disputes. 
I am tired of complaining meanwhile my credit gets worse, they have donenothing I've submitters or asked over phone. 
Thier actions are illegal.
Product: Credit reporting or other personal consumer reports

Subject : Request for Verification and Validation Under Consumer Protection Laws XXXX  XXXX Account Dispute Complaint Details : This is my third dispute related to the XXXX XXXXXXXX account referenced in the attached investigation results. Despite my efforts, TransUnion continues to report the account as verified without providing any tangible evidence of verification or validation. I am a victim of a data breach, and my personally identifiable information ( PII ) may have been compromised, raising serious concerns about the legitimacy of this account. TransUnions failure to properly investigate and Capital Ones failure to provide documentation are clear violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Specific Issues : 1. Repeated Verified Status by TransUnion : TransUnion continues to label this account as verified without supplying adequate evidence or documentation that supports the accuracy of the account. This violates FCRA 611 ( a ) ( 1 ) ( A ), which requires a reasonable investigation into disputes.

2. Failure to Provide Validation : XXXX XXXX has not provided legally required validation of the debt. No signed agreements, payment histories, or account records have been supplied in response to my requests, violating FDCPA 809 ( b ).

3. Data Breach Concerns : As a victim of a data breach, my PII may have been fraudulently used, further calling into question the validity of this account.

4. Consumer Law Violations : TransUnions failure to conduct a reasonable investigation under FCRA. 
XXXXXXXX XXXX failure to validate the debt under FDCPA. 

Requests : Provide Validation Documentation : TransUnion and XXXX XXXX must provide all documentation used to verify and validate this account, including : Signed agreements proving ownership of the account. 
Detailed payment histories and account records. 
Explanation of the investigation process used to verify this account. 
Delete the Account : If the requested documentation can not be supplied, this account must be deleted from my credit report immediately, as required under FCRA 611 ( a ) ( 5 ).

CFPB Investigation : I request that the CFPB investigate TransUnion and XXXX XXXX for their failure to comply with federal laws governing credit reporting and debt validation. 

Litigation Notice : Should this issue remain unresolved, I am prepared to pursue legal action against TransUnion and XXXX XXXX for noncompliance with FCRA and FDCPA, as well as the harm caused to my creditworthiness and financial stability. The repeated failure to provide verification or validation, combined with TransUnions unsupported verified status, constitutes grounds for litigation.
Product: Student loan

I have a private loan with a co-signer through Navient. I have been making auto payments for as long as I can remember and I check my bank statement every month to make sure the payment was made. I get an email notice from Navient each month telling me they received my payment and when my next payment is due. My co-signer is getting calls twice a day about the payments not being made. I have contacted Navient asking that they no longer make the calls to the co-signer and am told that they wo n't ; the next thing I know my co-signer is receiving calls again. I do n't have a street address as to where I can sent a certified letter asking that they cease all calls as it seems that the verbal and emails are not getting the point across. I am so tired of dealing with Navient, I have asked that all my loans be consolidated and they tell me that the can only consolidate the Federal Student loans and not the private loans, even though they are the lender that holds both loans. My school is n't listed below it is XXXX College - XXXX XXXX Minnesota - the only campus that is listed for Minnesota is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke w/ XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX He asked me for my social and I asked him to verify the last 4 digits of ss # on file, he said have a good day and hang the phone up on me, I called back and spoke w/ XXXX XXXX , she was asking me to provide her with my social and I refused as if they had my social they should be able to provide me the last 4. Please mandate they send a written contract and proof of social security number for this debt as it is not mines. I have never done business with XXXX or the original collector of XXXX XXXX XXXX and demand this reporting be removed from my credit profile on Transunion, XXXX and XXXX.
I do not owe this debt and this account does not belongs to me XXXX XXXX XXXX
Product: Mortgage

I received notice from mortgage company ( Seterus , Inc . ) advising a late charge fee of {$90.00} was assessed on my account for XXXX 2015 payment. However payment was paid online within time constraints and was not late. I called customer service and was advised to submit in writing request to reverse late fee. I sent by fax and mail on XXXX XXXX, 2015. On XXXX/XXXX/15 I received a letter from Seterus XXXX XXXX advising late fee assessed to my loan on XXXX XXXX, 2015 has been waived. On the statement dated XXXX/XXXX/15 the late charge of {$90.00} was billed and listed under the " activity since last statement. '' The following XXXX statements dated XXXX/XXXX/15 and XXXX/XXXX/15 does NOT reflect the late charge being reversed on my loan. Today I contacted Seterus, Inc customer service and spoke with XXXX XXXX and she consulted with her supervisor XXXX XXXX XXXX and they advised that the charges have been reversed as stated in their letter dated XXXX/XXXX/15. I requested proof that the fee had been reversed because it is not reflected on my account statements. I said if the late fee is charged to my account then the late fee should be listed/record as being credited back into my account under the " activity since last statement '' just like the fee charged on my account statement dtd XXXX/XXXX/15. She advised my letter was the proof. I said that there should be an accounting trail for the fee charged and credited. I filed a verbal complaint because proof of credit for late fee has not been provided and I believe the amount was only added to my loan total ( complaint will take up to 30 days for response. ) She also said she would send payment history and mail to me with XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX Leasing 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXXXXXX XXXX  XXXX account # XXXX, has violated my rights. 

XXXX XXXX account # XXXX, has violated my rights. 

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
Product: Mortgage

I have my mortgage with Central Mortgage Company and they charge a processing fee of {$5.00} every month when I pay online. I have XXXX other mortgages that do n't charge fees for this, and my mortgage was sold to Central Mortgage Company so I had no decision on which company would hold my mortgage. It seems a little rediculous to be charged {$5.00} a month for paying online when there is not a processing fee if I pay via mail.
Product: Credit card or prepaid card

I want to escalate a very serious promotional offer and customer service issue with XXXX credit card customer service representative when I called on my XXXX reward card ( that is managed by XXXX XXXX XXXX ). I called their credit card customer services about two weeks ago and spoke with a representative for the promotional offer issue. But very unfortunately, this representative had very serious discrimination against me. This particular representative 's discriminatory statements are against US Federal laws. It was absolutely unacceptable and very insulting to me and I was extremely shocked by this kind of credit card customer service provided by XXXX. For their information, XXXX Credit Card customer service representative 's name is XXXX and her employee ID # is XXXX. Also her phone extension is XXXX and she is based in XXXX Idaho location. 

I must request XXXX to provide me at least {$300.00} compensation for the promotional offer issue as well as discrimination by their customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently checked my credit score through credit karma and saw that I had a hard inquiry from XXXX XXXX  airlines/entertainment for XX/XX/XXXX of 2019. I have never applied for a credit card through XXXX XXXX until XX/XX//2019. ( which does show up on my credit karma score ) I have tried numerous times to get ahold of XXXX XXXX and I keep getting redirected to someone else. Ive called XXXX XXXX  and get redirected to credit karma. This mistake is affecting my credit score that Ive been working very hard to improve.
Product: Credit card or prepaid card

online advertising indicated that I would get over XXXX XXXX Points when I only got XXXX. In talking to XXXX and AMEX they insist the promotion was for XXXX, however, I know I was targeted at XXXX that was the trigger for my application. I've filed a report with AMEX and with XXXX with both saying I received the points appropriately. I believe they are being deceptive in their advertising of displaying XXXX points and didn't display the landing page shown of the different tiers was not clear.
Product: Bank account or service

I thought under Dodd-Frank that banks had to process transactions in favor of the consumer, so deposits would be processed first then by checks and debit card transactions. I made a cash deposit on the day pending transactions were to be processed which would have overdrawn my account ; I opted out of overdraft protection. My bank, TD Bank, charged me a {$35.00} overdraft fee. Without that my account would not be overdrawn. Can they do that?
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows a balance of {$7400.00} ( Account opened XXXXXXXX ) I contacted the company 3 times via telephone & 2 times via mail requesting the VIN # of the vehicle and the amount the vehicle was either resold for or sold at Auction for and notifying them that legally that amount had to be removed from my remaining balance - The company refused to give the requested information - Also refused to adjust the balance. 

Request that the balance be adjusted /corrected and or removed from my credit report
Product: Student loan

I filed a school misconduct application for the discharge of my private student loans because they were forced on me by the XXXX XXXX when I attended. The XXXX XXXX and XXXX have been found to have engaged in fraudulent and deceptive practices and as a result, the federal government has discharged all federal loans for defrauded students like me. 

I applied for a school misconduct discharge of my XXXX XXXX loans on XX/XX/XXXX. In that application, I laid out XXXX pages of evidence and testimony as to why these loans should be discharged and refunded. 

The original Principal on this loan was {$4800.00} I started payments on this loan on XX/XX/XXXX I have paid {$13000.00} to date My balance as of today is {$4800.00} Today, I received a blanket denial letter stating that I was not eligible for a discharge. 

The letter gave a generic " XXXX carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' OK. Fine.

I contacted MOHELA to get an explanation as to why my application was denied and was told that the reasons were " Proprietary and confidential ''. 

As a consumer, I have a right to know what led to the determination of my denial and should be allowed to rebut any reasons behind it. 

The fact that MOHELA and XXXX both KNOW that these schools acted in a fraudulent matter and are denying discharges is acting in bad faith. They are making it even worse by not giving a reason for denying it, other than the generic blanket denial statement.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for over a year They are reporting to my credit report wrong. 

XXXX XXXX XXXX XXXX {$6600.00} XXXX XXXX  XXXX {$1400.00} XXXX {$540.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$500.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent off my investigation letter to ensure my credit report was accurate. 

The Credit bureaus stated these accounts were properly investigated ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REVIEWED MY CREDIT REPORT AND I NOTICED FEW ITEMS WHICH ARE NOT MINE. I HAD MY WALLET STOLEN, SO I BELIEVE, THAT I WAS VICTIM OF IDENTITY THEFT, I HAVE NEVER SIGH ANY AGREEMENTS WITH THESE COMPANIES,.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity thief, I old roommate made purchases on my card while I was undergoing XXXX. He made unauthorized charges in which XXXX did not notify me instead start reporting negative items to the credit report. XXXX also sold my account and gave up all rights on this account. The company that took over this account and XXXX both agreed to have this account completely remove from all three credit bureaus and currently the account is still reporting on all three bureaus. Im a protected veteran and if this account is not completely removed from all three bureaus I will file sue against XXXX for allowing fraudulent unauthorized charges to be made and negative impacting of my credit file. The agreement was this account would be removed from all three credit bureaus. XXXX, XXXX and Transunion have all agreed to remove it as long as they got request from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 there was an attempt to open a CITIbank account in my name. I discovered this information on a recent credit report. I did not request or send any personal information to CITIbank. CITIbank did send a letter to me stating they could not process the request at this time without further information. I very much appreciate the letter. I do not know how this happened. There was also a fraud attempt regarding XXXX XXXX which has been resolved. Just to restate, I did not request a CITIbank account. 
Thank you
Product: Credit card or prepaid card

SYNCHRONY BANK/PayPal Credit does not properly investigate disputes and erroneously process chargebacks fraudulently to my account without authorization or true investigation of the original dispute. There are several dubious sellers who uses PayPal inappropriately, receives the merchandise back but refuses to perform the refund. 
Those companies are : XXXX, original purchase on XX/XX/2022, returned to the merchant upon receipt ; Synchrony Bank received notification of the XXXX tracking number that the merchandise had been sent back but that the merchant refuses to perform the refund and refuses to speak with me the customer about the refund. My experience is that XXXX is a company that lacks integrity. Synchrony Bank still refuses to secure the refund even though the company has received the product back and has refused to refund the {$39.00}. 

Another dubious company that Synchrony Bank supports is XXXX. The merchandise was sent back, received but XXXX refuses to perform the refund. Even though I have reported this several time to Synchrony Bank, this bank still did a charge back on my account for {$41.00}. XXXX has the merchandise back and refuses to issue the refund and Synchrony Bank for the {$41.00}. XXXX received the merchandise back on XXXX, 2022. 

Thus Synchrony Bank has refused to issue me the credit for both the {$41.00} and the {$39.00} when both companies have received the merchandise back. Synchrony Bank is fraudulently charging back these amounts on my account. The customer service person seems to tell lies by stating it is being investigated when it is actually being charges back on my account. 

This is time consuming and very stressful. I am finding that Synchrony Bank has done this several times and refuses to acknowledge the mistakes that they are making. This bank is making erroneous/false charge backs when the sellers actually have received the merchandise back. The process is horrible and is expensive for the consumer as well as for Synchrony Bank itself which appears to be very, very, very unorganized and causes harm to the customer. 

Both XXXX and XXXX wellness either will not answer the phones or will put me on hold and never come back to the phone. 

The total refund from both purchases is {$81.00} plus the inconveniences.