23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

There were two glitches in the system of TransUnion. These glitches were in fault a problem of TransUnion and not mine and resulted in the deletion of All inquiries on my report. Later TransUnion added them back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion twice ( first rep name was XXXX and second rep name was XXXX ) in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add hardship to me financially and my rights have been violated by TransUnion. I ask that you please help me make TransUnion stop victimizing me.
Product: Credit card or prepaid card

I reached out to Discover to ensure my purchase balance is correct, as it seemed high and their terms state this is paid first due to the intro purchase rate being first to expire. It has been determined that the purchase balance includes a disputed amount that had a temporary credit reversed for the final credit to apply. The issue comes in where they did not apply the final credit for this reversal to the purchase balance that they increased when taking these steps. As a result my purchase balance is {$450.00} with one period left to pay this amount that should only be {$210.00} if the dispute credit for {$240.00} had been correctly applied. The link to report a billing error does not work and supervisors with Discover refused to resolve the issue or give me another appropriate link where this error could be reported for official review. This is predatory for them to increase the purchase balance on XX/XX/2023 with a dispute that was won from XX/XX/2023. 

I have included photos of the statement that show the total purchase balance amount, as well as the amounts to make up the purchase and the expiration date of the intro period for this balance type, and a dispute email that states clearly this would not count against me for interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that is not mine and was the result of fraud/identity theft ( XXXX XXXX XXXX  from XXXX of XXXX, as stated in the FTC identity theft report attached ). I noticed it in XXXX of XXXX at which time I disputed it with all credit reporting agencies as fraud. At the time, I did not know the proper way to fix identity theft with the credit reporting agency. I wasnt aware that disputing this fraudulent account wasnt the Way to fix ID theft fraudulent accounts. When I got the info back they were not deleting the account I spoke with an agent on the phone who informed me I needed to upload my FTC identity theft report ( which I had already filed the same day of the call ) which I did while I was on the phone and he informed me everything was in order. I received an email a few days later ( XX/XX/XXXX ) stating that in order to block fraudulent info they needed a copy of ID and proof of residence which I uploaded to them immediately ( see attachment of email, and ID ). I received an email on XX/XX/XXXX stating my results were in ( see attachment ). I logged in only to see that the account remains because the company ( XXXX XXXX ) stated the reported information was accurate. I went ahead and did another fraud report with experian, I sent all info in requested which they used to open another dispute on XX/XX/XXXX. I got three updates saying they were still working on it. Today XX/XX/XXXX I got an update it was finished. I log in again to see that they havent removed it because XXXX XXXX reported the information as accurate again. This company does not understand what they are doing. This is not a simple dispute, this is a FRAUDULENT ACCOUNT! according to the law they must remove fraudulent account within four business days. The problem arises when they noted this as a dispute and not an IDentity theft request to block under The Fair Credit Reporting Act Section 605b. The FCRA 605b requires credit reporting agencies, such as Experian, to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. They have done neither. The fraudulent account is still on my credit report and is keeping me from being able to apply for credit, among other things. This needs to be fixed, Ive sent in every single piece of information ( electronically and physically ) that the FTC said was required for this to be blocked from my report and Experian has still not done their due diligence. Please help! All relevant files have been uploaded including the Driver license and Social Security card info I sent them along with my FTC ID theft report, as well as the dispute results. Thank you for any and all help you can give me as this has upset me to no end. I have been in tears dealing with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This hard inquiry is not correct and dont know why it is showing on there as a duplicate. Please delete as I have no knowledge as to why this is on my report and what it pertains too. As I contacted them by phone & email as u will see in this complaint. Thank you TRANSUNION REPORT HARD INQUIRY XXXX XXXX ( BANK ) XX/XX/2022 XXXX
Product: Payday loan, title loan, personal loan, or advance loan

NET CREDIT XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Line of Credit XX/XX/XXXX Open Open. {$6400.00} past due as of XX/XX/XXXX. 
XXXX XXXX 241 % {$7300.00} XX/XX/XXXX XX/XX/XXXX {$3000.00} {$67.00} {$6400.00} {$7300.00} Individual Comments : Account payments managed by a financial counseling program Contact Into : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I closed this account due to unavailability to work in XXXX due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
They verified and confirmed that it would be closed and did not follow through on my request and continued to collect interest on an original loan amount of {$3000.00} that turned into over {$7000.00} with a 241 % interest rate. XX/XX/XXXX. XXXX XXXX This also needs to be taken off of my credit report due to the amount of time that has passed from XXXX
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX  XXXX were taken out by my ex husband without my knowledge. When we were gathering our accounts and assets to decide how to split them as well as who was responsible for what, I learned of two unknown accounts i had not applied for that were in my name. In the divorce decree he agreed to be held liable for the debts as they were never my own doing and an act of identity theft. Once divorced I learned of these debts that were not only filed in my name but also sent to a collection company XXXX LVNV Funding LLC. 
The XXXX account ending in XXXX appeared on XX/XX/22 reporting to all 3 bureaus. 
The XXXX account ending in XXXX appeared on XX/XX/22 reporting to XXXX and XXXX. 
I have contacted XXXX XXXX XXXX directly as well as LVNV Funding to no avail. These debts are hindering me from taking out my first mortgage.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/XXXX, I filed a dispute claim with my bank, T-Mobile MONEY ( " Accounts provided by Customer Bank '' | " Powered by XXXX '' XXXX XXXX, XXXX ) . It has now been ~240 days since the dispute has been filed and yet the bank has yet to provide a resolution. 

I tried calling them to attain a resolution, yet this has not been possible. My debit card is a MasterCard. [ If they filed it correctly ] it's Reason Code : XXXX ( Goods or Services Not Provided ) .XXXX XXXX representatives, " XXXX '' and " XXXX '', of the disputes department have openly admitted, on my most recent, recorded, call ( today, XX/XX/XXXX ) that they have broken MasterCard 's policy by not providing resolution within 180 days. Also, they mentioned that the XXXX, XXXX, has not responded to them at all. Furthermore, if I am understanding the law correctly, the " Fair Credit Billing Act of 1974 '' stipulates that they have 90 days to provide a resolution, which has NOT happened. 

The status of my dispute claim has not changed since the day I opened it. Every few weeks I get the same copy+pasted email that states, " ... We wanted to provide you with an update and assure you that we are actively processing your claim. We are waiting on information from the merchant. Once we have an update, we will contact you. '' The reason for this dispute is that I made a purchase with a merchant and did not receive what I purchased. ( MasterCard Reason Code : XXXX ( Goods or Services Not Provided ) ) - Claim Filing Date : XX/XX/XXXX - Claim Number : # XXXX - Amount : {$410.00} - Date of Transaction : XX/XX/XXXX Please help me with getting my money back! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been of zero help ; based upon the information I have, including the info provided by the bank it is my belief that they have negligently failed to handle this claim per both the law & MasterCard 's policies. Most importantly, I need my money back, but also would like to pursue whatever damages possible, based upon the negligence of this institution. 

Thank you.
Product: Debt collection

On XX/XX/XXXX, I received a letter from Viking Client Services stating that I owed a debt from XXXX XXXX. I followed up in a letter dated XX/XX/XXXX to Viking disputing that I owed debt and asserting the rights afforded to me under the FDCPA and FCRA. The letter was sent by Certified US Mail and receiving by Viking Client Services on XX/XX/XXXX. No communication was receiving by me from Viking Client Services supporting that the debt actually belongs to me. 

I received a letter on XX/XX/XXXX dated XX/XX/XXXX that Viking Client Services is attempting to collect the same debt. Viking Client Services did not send a validation notice and failed to respond to my certification letter sent on XX/XX/XXXX. Instead, Viking Client Services sent the aforementioned letter dated XX/XX/XXXX in attempt to collect the unverified debt.
Product: Payday loan, title loan, personal loan, or advance loan

As paid this loan XXXX years ago and they are still charging and trying to take money out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX  XXXX Balance XXXX {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXXBalance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} DateOpened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; SXXXX 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
Product: Debt collection

My identity was stolen years ago including credit card numbers. Some company who bought this debt, even though I told them that it was the result of identity theft, has been threatening to have me arrested. I have filled out all information to the best of my knowledge and returned to the courts. I am XXXX XXXX   so it is hard for me to maintain a job to either file bankruptcy or hire a lawyer.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

Account Name : 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 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 or other personal consumer reports

This is my numerous attempt to inform you that I am a victim of identity theft and that I am complaining about certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

Has called me from Multiple " local numbers. '' When I have answered there is a delay and just asked me to confirm who I am without telling me what it is about first. I have asked them not to call me again and they do but just from another number. They do not leave voicemails when I miss the call. When I return the call, it tells me it's for Portfolio Asset Recovery. Some of the numbers they have called me from are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,
Product: Debt collection

On XXXX XXXX, XXXX, I received a letter notifying me that a debt was placed with their office. This letter was dated XXXX XXXX, XXXX. 
Today, XXXX XXXX, XXXX, I receive a second letter from this company stating that they have made several attempts to contact me and that I have failed to respond. In this letter, dated XXXX XXXX, XXXX, it states that any accounts that remains unpaid for 60 days after they are placed with their office are subject to garnishment or litigation. It states in the second letter that the account was placed in their office on XXXX/XXXX/XXXX. 
By the time I even received their first letter, I was already past their claimed 60-day window for legal action. I was waiting for a few more pieces of mail ( unrelated to this matter ) in order to talk to my bankruptcy attorney when I received these two letters literally a week apart from one another. The first letter does not state when the account was placed or a time window for action on their part. 
I have not received one phone call from this company and I 'm more than confident that the original creditor has my current cell phone number as I have discussed this debt with them before it went to collections and updated all of my demographic information. 
At the rate in which their adding interest and fees, I 'd never be able to pay them off. Per their letter, with a XXXX % wage garnishment, almost half of the garnishment payment would go to the fees and interest they added to the account in just the two weeks prior to that payment. This makes it impossible to even work out any sort of payment arrangements with them as my wife 's wages are currently being garnished at XXXX %, and add to that my son needing constant medical attention, I feel with their unjustifiably late letter and now the imminent threat of legal action against me, my family 's financial stability is in question and it could possibly put my son at risk due to not being able to provide for him the medical care he needs. 
In one week 's time, this company has placed an undue stress upon my family with their questionable contact tactics.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXXXXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Mortgage

Nationwide biweekly mortgage reducer ( Interest Minimizer ) mislead me into thinking I would reduce the term of my loan while saving money if I added them as a third party to pay my mortgage payments biweekly. They charged me a " XXXX time '' setup fee of {$590.00} which I would like to be refuded as soon as possible. I was mislead by this unfair company. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I WAS XXXX  AT THE TIME OF THE IDENTITY THEFT.. 
THE FOLLOWING ACCOUNTS ARE FRAUD. I NEED THEM REMOVED FROM MY CREDIT I CAN NOT GET A MORTGAGE. 

XXXX XXXX XXXXXXXX ACCOUNT : XXXX AMOUNT {$570.00} XXXX XXXX XXXX ACCT # XXXX AMOUNT {$4000.00} XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$9700.00} XXXX  ACCOUNT # XXXX AMOUNT {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This bankruptcy should not be on my credit report. According to 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report. I have attached my FTC report that was sent on XX/XX/21 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to report the bankruptcy on my credit report!
Product: Student loan

I co-signed my wife 's student loan re-finance with SoFi in XXXX of 2018. At the time, we were informed that after 12 months of payments, I could be released from the loan. However, today I was informed by a SoFi employee that SoFi doesn't offer co-signer release. We were completely misled by SoFi. 

This is directly from the SoFi website : Though it never hurts you to keep a co-signer, you can offer releasethe official terminology for removing that person. Maybe your co-signer was happy to help you get approved, but after a certain amount of time wants out due to stress or even just a change of mind.