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

This account has been disputed pursuant to IRS Publication 535, Charge off accounts are considered income and income can not be reported to any credit agencies.

Internal Revenue Code PUB 535 : CHARGE-OFFS or Certificate of Indebtedness, is considered INCOME and is not to be reported to CREDIT BUREAUS.

I also did not contract with this third party affiliate neither, have I consented to or authorized this third party affiliate to have access to my non public private transactional information and to share it with other third party affiliates. Nor to report inaccurately where not permitted by law. As stated here in my dispute.

Pursuant to 15 USC 1681b : Reporting agency must have written consent and permissible purposes from consumer No permissible purposes or consent has been obliged by me to any of the reporting company therefore constitutes unlawful and inaccurate reporting on the behalf of Portfolio Recovery Services and each bureau to whom my information was distributed without my consent.

According to 15 U.S. Code 6802- Obligations with respect to disclosures of nonpublic personal information, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with 15 U.S. Code 6803.

In general, a financial institution may not disclose personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form, or other form permitted by 15 U.S. Code 6804, the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

According to 16 CFR 313.4 Initial Privacy notice to consumer required- Financial institutions must provide a clear and conspicuous notice that accurately reflects privacy policies and practices to a consumer before you disclose any nonpublic personal information about the consumer to any non affiliated third party.

16 CFR 313.7-Form of opt out notice to consumers ; opt out methods-Financial institutions must provide a clear and conspicuous notice to each consumer that accurately explains the right to opt out. The notice must state that you disclose or reserve the right to disclose nonpublic personal information about the consumer to a non affiliated third party ; that the consumer has a right to opt out of that disclosure and a reasonable means by which the consumer may exercise the opt out right.

Therefore, this is inaccurate reporting and a violation of FCRA and FDCPA RIGHTS. It needs to be deleted.
Product: Credit card or prepaid card

I closed my Discovered secured card back in XX/XX/2020 and requested my refund. 
I was told the process would likely take 2 months to complete. 

It has been 6 months and after 3 failed attempts, I am under the impression that Discover wants me to give up claiming my deposit funds ( {$400.00} ). 

I have called them up at least five times now and they always say the check is on its way. 
Several weeks go by and the check never arrives. 

They have allegedly sent out 3 checks and I have provided 2 different addresses but the check never shows up
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is reporting that I am 180 days past due on a loan that was sent back to the Federal Government on XXXX. Nelnet showed a zero balance on this loan as of XX/XX/2021. I contacted Nelnet in XX/XX/2021 and was informed that the loan had been transfered. So, why are they still reporting that I am XXXX  days past due. Also, the current holder of the loan stated that it is covered under the Cares Act and I would not be reported to any credit agency. XXXX is the only agency reporting this erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND NAMES AND ADDRESSES THAT ARE WRONG. A LETTER OF EXPLANATION IS ENCLOSED.
Product: Checking or savings account

At first my account went negative and I asked Citibank why am I negative they said franchise tax board put a lien and took the money. I called franchise and they said it was not them. After so much back and forth with the fraud company it ended up being a forced transaction from XXXXXXXX XXXX car. My car was a total loss my insurance company paid XXXX XXXX car for me. A month later Citibank charged my account and left me in the negative. I filed a claim it was denied so my account has been negative since. I am XXXX XXXX XXXX and was on XXXX and was not getting any money and explained that to them. I got a call, email said I have to bring the account current before 15 days before it is closed. I paid brought the account negative within the 15 days and they said they cant stop the account closure. For one they are my bank they should support me and I faxed an appeal and the receipt form XXXX that they paid my rental for XXXX and I didnt get a response from Citibank . I went to branch and manager XXXX said she cant help me to keep my account open that it is up to back office. Why did they send me a letter to pay to bring current to prevent closure but now that it is current there is nothing they can do.
Product: Credit reporting or other personal consumer reports

A third party company is reporting on my credit that I owe them the sum of XXXX. They are calling, harassing and sending letters demanding payment. I do not nor at any time had a contract with this third party company. I do not owe any money to them and they have no right to report it on my credit reports. I requested a wet signature, document with the reported amount owed, the company that the original contract is with and documents of amount claimed to be due, third party contract and any or all document with my signature on them. They refused to provide proof of this debt and any signed contract. I have no knowledge of the sums they claim are due nor an explanation of the reported sum. 
Third parties must provide original contracts, when requested by the consumer with signature to ensure they are reporting accurate information. And must be held responsible for reporting inaccurate, unverified information without documentation when requested by the consumer and when reporting to any agencies. 

I request that the XXXX major credit reporting bureaus listed removed the inaccurate information from my profile. Including all other consumer reporting agency listed below. 
Transunion XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and request.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX La XXXX XXXX XXXX XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX XXXX XXXX, XXXX XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX
Product: Debt collection

I'm submitting this complaint in reference to ENHANCED RECOVERY COLLECTION knowingly reporting inaccurate data. My credit is affected by these penalties this look SUSPICIOUS AND DECEPTIVE, I demand " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC u.s c41, et esq
Product: Vehicle loan or lease

I made a payment on XX/XX/XXXX, that payment was for the month of XXXX, I made another payment on XX/XX/XXXX for the month of XXXX, because I was going to be traveling, then I made a payment on XX/XX/XXXX for XXXX, when I check my statement in XXXX I call the company ant told customer service to apply the payment correctly, she said I paid XXXX payment to early but she will take care of it, I have call two more time and they will not change the account. The also are reporting the account as past due to the XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> CREDIT REPORT DISPUTE LETTER Dear Experian : I XXXX XXXX have written this letter to dispute claims that are falsely listed on my credit report with your bureau.I am requesting that the following hard inquiries be removed immediately. 
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: Credit reporting, credit repair services, or other personal consumer reports

I have been calling TransUnion since XXXX XXXX I have called TransUnion on several occasions on trying to get some hard inquiries removed from my credit report I have been told on several occasions by TransUnion representative that I would have to reach out to the Creditor or to the person or people who placed the hard inquiry on my credit report. I did that I called every creditors on my credit report explained to them what I was doing. On XX/X/2017. I sent a certified letter to TransUnion with a list of all the hard inquiries and the companies that furnish the hard inquiries in my report I 'm asking in my report for them to be disputed on XXXX XXXX XXXX I called TransUnion to make sure that they had received my letter I was told by one of the TransUnion Representatives that they had received my letter.the representative explained to me that they received my letter but they do not do disputes.the representative told me my dispute letter would go without a response because they do not do disputes. I have done what TransUnion has asked of me. But I am still not able to get results from teansunion.below is a copy of the letter I sent transunion.
Product: Student loan

When my loans were serviced with XXXX  and I called in due to the unafordability of my payments Navient would suggest that I put my loans into forbearance or deferment. These extended forbearance and deferments accrued interest which eventually ballooned my overall student loan debt. XXXX representatives failed to provide me with information regarding more affordable repayment plan options alloted to me under the income driven repayment plan. This has since caused financial hardship and the inability to manage my student loan debt.
Product: Debt collection

EST contact was around XX/XX/2018, I would be short on money. I had mad arrangements for XXXX XXXX  to take 3 payment directly out of my checking account, for 3 months. It was from opening a bank account, and I had not put money into the account. So they fined me XXXX Now today I get a letter from a collection agency Sunrise Credit services a collection company. I'm trying to fix my credit due to another company 's negligence, now I've paid this bank and their trying to collect again, worse yet reported to a collection agency further ruining my credit. I want it removed, since their trying to FRAUDULENTLY SCAM ME AND REPORT TO A CREDIT COLLECTION AGENCY, I WANT MONEY TO COMPENSATE THIS DISTRESS, AND I WANT TO PRESS CHARGES ON XXXX XXXX  FOR FRAUDULENTLY TRYING TO COLLECT AGAIN WITHOUT PRIOR NOTIFICATION, AND REPORTING THIS TO A COLLECTION AGENCY. HOW DARE THEM. 

Credit Services
Product: Debt collection

Barclays bank sent me notification that I am to appear in court about a debt they allege that I owe. I was contacted on XX/XX/XXXX from XXXX XXXX XXXX states the debt had been sold to them & they were to collect this debt. I contacted CFPB about this company and the letter that they sent, the company responded saying they did not send the letter but I have a copy attached. In the prior complaint Unifund then stated that they have this debt in their possession & I am now owing them the debt from Barclay 's Bank. I contacted Barclay 's @ XXXX on XXXX I spoke with XXXX agent XXXX states that there is no acount there for me, XXXX agent XXXX states there is no account for me & no manager for me to speak with, XXXX XXXX XXXX she states no manager available n disconnected the call, XXXX XXXX states that they have no account for me at Barclay 's & dont have a direct number to customer service states that the debt was sold to XXXX XXXX XXXX. Barclay 's sent me a summons on XX/XX/XXXX to appear in court for a debt that they have SOLD. Please refer to CFPB complaint XXXX.
Product: Credit reporting or other personal consumer reports

{$1800.00} Closed my account even though I was paying monthly. I wanted my account to receive recurring payment until paid. 

{$1900.00} I have already made the efforts to handle my balance then was sent to collections. 

SYNCB/AMAZON I XXXX my rate to be lowered so I can pay my balance in full each month.
Product: Credit card

See attachments regarding a hotel reservation made through a 3rd party provider who says I did not cancel a reservation, when in fact I did. Chase Card Member Services is declining my claim, saying that it is valid, when it is not.
Product: Vehicle loan or lease

Went through the signup process at lendingtree.com to receive a quote for an auto loan. 

There is a 10+ page process to this, and around page 6 they quickly flash a consent form where they've conditioned you to not look. 

At no point did I have to check a box, or read through and agree to the sharing of my information with a third party. It was implicit in me filling out the form. 

I believe this is against the spirit of the GLBA if not outright illegal. 

In addition, they refuse to delete my personal information and don't seem to have any means to undo its sharing. 

Without my explicit consent, they have permanently and intentionally caused a breach in my financial privacy for their financial gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX  MasterCard credit card account : XXXX is lost/stolen. There are fraudulent transactions listed on my credit card account. The following charges are are all fraudulent : XXXX, {$52.00}, XXXX XXXX, {$17.00}, XXXX XXXX {$23.00}, XXXX, {$26.00}, XXXX XXXX XXXX, {$32.00}, XXXX XXXX {$6.00}, XXXX XXXX {$4.00}, XXXX {$31.00} and XXXX for {$52.00}.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OK XXXX Attn : XXXX XXXX Account # XXXX On XX/XX/22, I was unable to log in and make a payment prior to the due date of my loan whereby, the creditor had manipulated on-line user account access. I phoned XXXX XXXX, who thought I had established a good relationship with and was told they didnt support the XXXX XXXX debit card. 

The next day additional interest was charged to my account and an attempt to withdraw payment was made and declined. The payment was declined because the creditor had scheduled it for the next day. According to XXXX XXXX, this is a fraudulent transaction and is not accepted by any debit card. All other creditors accepted and were paid through the same card. 

On a monthly basis, XXXX XXXX would call asking me to re-loan, but I had to do it before the XXXX of the month, which is my pay date. Up until this point I paid my loans off with no problem. I didnt realize the new loan was due on my pay date, and another fee of over {$50.00} was assessed to my loan every month. The creditor utilizes a loop whole to charge additional interest and prevents me from paying the loan off sooner. This is a breach of contract since there are no penalties for paying the loan off early.
Product: Credit card or prepaid card

My complaint is that WellsFargo does not disclose how payments are applied to balance transfer fees or other fees. There is no written document that explains the process. They also do not provide information on the credit card statement that indicates how payments were applied to the account. For instance, how much of a payment in excess of the minimum was applied to fees, balance transfers, cash advances, or regular purchases. 
This practice has caused me to incur interest charges on my purchases. On XX/XX/XXXX, I made a payment of {$460.00}. Upon calling the company and speaking to both XXXX and XXXX on XX/XX/2022 I was informed my payment was allocated as follows : {$73.00} to minimum payment ( which was only supposed to be {$71.00} ), {$160.00} to purchases and {$220.00} to a balance transfer fee that is 0 % interest. These representatives also told me that payments are applied as follows : Minimum payment, highest to lowest APR, promotional balances, fees, and lastly principal. I filed a case XXXX and was assigned to XXXX XXXX In the executive offices. She never called me. I always had to call her. She no longer answers my calls. On XX/XX/XXXX I called her and was told that she asked another department how the fee should have been applied because she could not find any language in the documents. I called again XX/XX/XXXX and she told me that department did not know, so she was waiting on another. On XX/XX/XXXX I left another message. When I never heard back I called the main number for XXXX offices and spoke to XXXX. He said XXXX mailed a letter on XX/XX/XXXX explaining the decision. I had specifically requested the findings in an email. I asked for a manager, someone above XXXX and was told they were all in meetings and XXXX would call me the next day. She never did. I received the letter on XX/XX/XXXX that said they could not document any conversations with any representative about fees. I know the exact date, time and person I spoke with each time I called. She enclosed the terms and conditions for a credit card, but it was not for my type of card, as mine was an existing card, not a new account. Nevertheless, it did not mention how fees were paid. In fact, it specifically says higher interest rate balances are paid first. She did not disclose how she determined that fees are supposed to be paid first. I have since reopened the case.
Product: Money transfer, virtual currency, or money service

I XXXX XXXX submitted a dispute with chime once a again for the XXXX time in a row XXXX unauthorized charges. Ive told them on countless occasions that I was a victim of fraud and they denied my dispute of {$2000.00}, for the pay to anyone on their app.they said they denied me based on history of transfers with the person but it was only that XXXX time that money was sent to that person. The location is different and I Ive never sent any money to that individual. Please help. Chime needs to be shut down
Product: Vehicle loan or lease

Hello, Hope all is well. I have duplicate accounts that seem to be reporting the late payments twice. One of them needs to be removed off my Navy Federal Credit Union account and credit bureau please. I refinanced my XXXX XXXX in XXXX of this year.
Product: Debt collection

as stated in the line about the information I requested, which should've been printed in the letter from AAFES military Exchange Debt Collection notices. 

In the past, I have tried to contact them. I called them, and I have tried requesting the registration number. All attempts the call is either dropped or leads to no resolution.

They keep increasing Interest charges for XXXX failing to pay. Yes, that is true, however, I also been wanting to know the necessary registration number I required from them. 

Now that they ceased communication. I can not get a registration number, let along try to remedy with the Debt Collector in a payment plan.
Product: Credit reporting or other personal consumer reports

I asked Experian to assure maximum possible accuracy to multiple inaccurate accounts reporting on my credit file. Despite my efforts, XXXX has failed to conduct a reasonable and fair investigation that these accounts are 100 % accurate. The lack of response has caused me significant harm to my financial reputation and mental health. I greatly appreciate your attention to this matter and assistance you can provide to resolve the inaccuracies in my credit report.
Product: Student loan

I was ill advised about repayment options in a time of hardship. I have done everything I could to keep payments on time, but was told my best option was forbearance. I was on a IBR but some how I have been placed in a deferment or a forebearance
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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.