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

Transunion 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''. 

Transunion & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered a few fraudulent accounts, the accounts are XXXX XXXX with the account number XXXX opened on XX/XX/XXXX, XXXX  XXXX XXXX with the account number XXXX opened on XX/XX/XXXX, XXXX  XXXX XXXX  opened on XX/XX/XXXX, and fraudulent addresses XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX | XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX | XXXX XXXX XXXX, XXXX, WA XXXX.
Product: Credit card

For Discover account ending in XXXX, Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802 and 16 CFR 313.7. And the privacy act of 1974 Effective immediately and indefinitely
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a fraud alert on my credit report. I am still getting unadvised credit inquires on my XXXX XXXX credit report. I have contacted them to remove these inquires and they will not do so.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  XXXX ( XXXX XXXX - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX CARD ( XXXX ) - ( XXXX ) XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

On XX/XX/ I checked my citicards.com dividend card balance and noticed that they had approved me for a credit line increase. Also during that visit, Citi claimed I could use the new credit line increase for a balance transfer at 0 %. I took them up on their offer and transferred an additional balance to my card. I incurred an approx. {$180.00} fee. 

On XX/XX/XXXXI received a letter from Citi explaining that my credit line was erroneously raised and now I owe in excess of {$6000.00} by this month 's ( XX/XX/XXXX statement ) due date. 

This is where the fun started. I called CITI ( call center 32 - somewhere in Missouri ) and reached XXXX and XXXX ( the supervisor ). I informed XXXX that I would pay the balance, but wanted my {$180.00} fee back before my payment. I had to explain it to him again as he did not grasp the situation. I then asked to be transferred to a supervisor. XXXX, the Missouri call center 32 supervisor - at an undisclosed location, without an employee ID number- explained to me that only after I pay back the {$6200.00} dollars will I get my fee back. He stated that he would do so as a " courtesy. '' Remember, they erroneously raised my credit line and allowed me to balance transfer on the portion they took away. 

I then asked to be transferred to XXXX 's supervisor - at Missouri call center 32 - in the unidentified location - where no-one has employee IDs. XXXX stated that XXXX - the supervisor was currently in a meeting and unable to speak. I asked to hold, but XXXX stated that the phones only hold for 60 minutes. XXXX the supervisor - at Missouri call center 32 - in an undisclosed location - where no one has employee IDs must be a very busy man. 

So, as a customer for over 21 years, I want the balance transfer fee waived - a fee that really was never in existence because of CITI 's error. I want it done before I pay them > {$6200.00} this month also because of their error. Contrary to XXXX 's claim of showing me courtesy, Citi has shown me nothing but disdain on-top of their incompetence..
Product: Credit reporting or other personal consumer reports

I requested a thorough investigation into the reporting on my credit report being in accurate due to the equifax data breach. I have yet to have my complaint response.
Product: Debt collection

I received an itemized list of the reason portions of my security deposit was being withheld, the amount totaled {$190.00}. Items listed were final water bill, - {$57.00} and 3 days of pro-rated rent - {$130.00}. After receiving the check I reached out to my rental company outlining why my full security deposit should be return, the email is attached. Beginning on XX/XX/XXXX I started receiving phone calls from a debit collector, Fair Collections & Outsourcing , Inc. ( FCO ) and it wasn't until I XX/XX/XXXX when I finally spoke with the collector to determine the reason for the call. XXXX  XXXX, whom had already withheld the - {$190.00}, turned me over to this collection agency to collect a debt that was already withheld from the security deposit. Thus FCO is attempting to collect a debt already paid, please see the documents attached. 

You will notice that the reason for the collection, pro-rated rent and " damage charges '' differ from the final notice sent by XXXX XXXX, which states " final water bill - {$57.00}, also attached. I feel that I'm being retaliated against by XXXX XXXX for my persistence in asking them to return my full security deposit as the claims are bogus.
Product: Debt collection

Greetings, I rented a car in XXXX for XXXX XXXX after 21 long years working for the XXXX. XXXX failed to include the blue chip discounts and other items included in the online quote. 

I disputed the charge with XXXX. XXXX is my credit card provider. I got a letter from XXXX saying the merchant XXXX XXXX, the owner of XXXX agreed to the reduction of charges so it would be the original amounted quoted with the blue chip discount. 

I got a random confusing letter from XXXX saying I still owned the entire amount, which I never disputed. I did not want the rental car for free, just the price I was qouted. 

Next this i get a letter I am in collection with some 3rd party in XXXX  for not paying for the rental car. 

I believe after 21 years of being a XXXX XXXX this is not right! 

As you recall, XXXX has a VERY VERY bad record of trying to destroy customers included minorities that have done nothing wrong, and did NOT steal rental cars.
Product: Credit card

COAF XX/XX/XXXX and XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX Capital One Auto Fin XX/XX/XXXX and XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX XXXX XXXX XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX GM XXXX XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX XXXX XXXX XX/XX/XXXX Delete this Inquiry for fraudulent reporting becuase I notified you that I am a victim of identity theft and that this inquiry doesnt belong to me section 623 stipulates that this must be removed from my credit report! The Inquiry was reported on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used to open a fraud account with Conns Credit Corp. for the amount of {$1400.00}. I submitted a police report, FTC report for Conns Credit and XXXX. I have been disputing this since XX/XX/2018. XXXX and XXXX   have deleted this claim with all of my proof but XXXX is not cooperating. Please see attachment to support my claim.
Product: Student loan

This is my second time around going back to school after ten some years. I had applied for the Fafsa and was approved and Navient is now my lender. I just recently checked my credit score and to come to find out because of all the open accounts my score drop almost 100. I was floored  when I saw my score so I called Navient as soon as possible and just told me that is how they do it now. Before they would get paid out in one sum. Because of this my score will drop lower than XXXX after I graduate from the school. I do not think it is fair for anyone to take advantage of people. Because we work so hard to try and fix our lives with trying to go back to school and try to earn more. My options were very little and I am not too sure how to fix this issue. I hope I can talk to someone who can guide me the right direction.
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I disputed the information numerous of times and still received misleading information. First I never gave written consent for my information be used incorrectly. Secondly the company stated they will remove/delete the misleading information but as of today the information is still reporting. Please remove the misleading information immediately. Thanks XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXXXXXXXXXX  ( XXXX ) - ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you are responsible for verifying the accuracy of these reported items with the respective creditor. Any information that can not be verified by the creditor should be promptly removed. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Furthermore, I kindly request that you send an updated copy of my credit report to the address provided above. According to the act, no fee should be charged for this updated report. Additionally, I would appreciate it if you could notify any recipients of my credit report within the past XXXX months about the necessary corrections. 
Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to TransUnion on XX/XX/2022 ( Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX ) to remove inaccurate and non current personal information from my credit report. According to the FCRA 1681, I have a right to privacy. According to to 15 USC 6802, no financial institution can share my personal information with a third party. This is clear evidence that violations were made against me.
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 : NELNET LOAN SERVICIN 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 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: Money transfer, virtual currency, or money service

I am an XXXX XXXX currently living in California. Coinbase is not letting me withdraw my funds or do anything with my money in my USD wallet on its website after a successful deposit. It keeps asking for my SSN and says that I can withdraw my funds and close my account if I do not want to provide it. Since I do not have an SSN, instead, I only have a drivers license, I chose to close my account and withdraw my money. However, in the withdrawing page right before closing my account, it asks for my SSN again in order to withdraw the funds. That 's the problem since I wanted to close my account and withdraw my funds because I do not have SSN! I contacted their support for so many times and they never reply email or do anything.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  XXXX - # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - # XXXX XXXXXXXX XXXX XXXX - # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Checking or savings account

2017 they stole {$6000.00} out of my account Chase bank took {$6000.00} out of my account when I was making cash deposits and I have all the emails to show you.
Product: Credit card

I ordered face cream from advertisement on XXXX. It said there was just a small shipping fee. On my phone, thats all I saw. If there was anything else it was n't viewable on the screen. When I got the packing list, it said nothing about the reoccurring payment. It had no name, address, phone number or email address to contact the company. I never received an email from these people for a confirmation or that I would be billed anything additional. 
They billed it through XXXX place when they shipped it, another when they charged me the XXXX, then when I disputed the charge, there was another name, then when I finally got a phone number for them - they gave another name and address. That sounds like a shell game. I have the info from Discover credit card, and the packing slip, and then when I contacted Discover, THEN I got an email cancelling the reoccurring billing!
Product: Debt collection

XXXX XXXX XXXX medical billing errors are extremely common and cause millions of dollars in overcharges per year. 

They have been over charged even if they got paid from my insurance.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX | XX/XX/2022 XXXX  | XX/XX/2022 XXXX  | XX/XX/2022 XXXX XXXX | XX/XX/2022
Product: Student loan

I attended XXXX XXXX in XXXX. I didn't attend the full 2 years of schooling due to me already having college credits that were transferrable. The school charged me for the full 2 year of tuition with outstanding interest. This school is now close, and I don't have any contacts to get anything resolved. I was wrongfully charged and severely defrauded by this institution. I can not advanced the way that I want to, or make the money that legitimate college graduates make. I still owe as much money for student loans as a person that went to a four year university. This is highway robbery and so unfair to innocent people like myself. I have struggled for years trying to make payments on these loans, and I haven't made a small dent in anything. The interest is so high that I'm paying pennies on the dollar on the principle of the loan itself, and the bulk is going on interest. The total loan that I still owe is over {$38000.00}, in which I have been paying since the year of XXXX until now. The interest on this loan is just that much! This is outrageous! This school has been closed down for years now, so there is no one who I can contact to try to resolve this matter. I have tried making all kinds of arrangements with my loan officer, but nothing is working for the betterment of me and my family. I believe that I should be forgiven for these loans completely, because I have been mislead, taken advantage, and completely defrauded by this unprofessional for-profit institution. I know that I'm not the only person that is in this situation with the same institution. Please help me with this major situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i sent a letter to HEAD MERCANTILE CO I DISPUTING A ALLEGED ITEM that they are reporting on my account asking them to validate the information @ hand because it hurting my credit also a violation of the Hippa agreement sharing medical information without my consent to third parties.I am asking for your assistance in this matter in correcting this situation
Product: Mortgage

Movement Mortgage has failed to manage my Escrow Account & Escrow Funds properly, in direct violation of the Code of Federal Regulations CFR 1024.17 ( k ) ( 1 ). 

Details : Movement Mortgage failed to disburse funds from my Escrow Account for my annual Homeowner Insurance Policy Renewal, which was due XX/XX/2023. 
On XX/XX/2023, I reached out to Movement Mortgage to inform them of their failure to disburse funds on or before the due date as required per CFR 1024.17 ( k ) ( 1 ). 
I informed them that due to their failure to disburse funds on time, I contacted my Homeowner Insurance provider directly, and provided direct payment to them which they required in order to avoid a lapse in coverage. 
Movement Mortgage then proceeded to disburse the funds to my Homeowner Insurance provider LATE, and only AFTER I reached out to them regarding their failure and after I informed them that I paid my Homeowner Insurance provider directly as a result of their failure. 

This is yet another instance of the constant/nonstop unethical business practices perpetrated onto me by Movement Mortage and is in direct violation of Federal Regulations. 

This company needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these account listed immediately! you are housing false information on my credit report. If the accounts arent removed I will be following suit with Monterey demands.
Product: Mortgage

I have made various attempts to pay my loan down/off earlier than scheduled. The Company has not been very helpful to achieve this. Please see my most recent complaint with them on this attached. I attempted to pay bi-weekly. First last year I was told that a XXXX XXXX loan was not applicable to this payment structure. At the end of the year I was finally able to set this up to only find out that they would just hold my payment until a full payment was received and would not apply to my account earlier therefore reducing interest. I then tried to cancel the bi-weekly payments and make monthly payments with {$300.00} extra per month only to have them mess that up too and apply additional payments to the next month payment versus to principal as instructed in my note. They continue to be difficult to reduce principal earlier than the original amortization schedule.
Product: Checking or savings account

On XX/XX/2020, I tried to open a Marcus savings account with Goldman Sachs. I filled out and submitted the application online. Immediately after submitting the application, the website told me that my account had been locked. The page provided a phone number, XXXX, and I was instructed to call to unlock the account. I called the number and was asked to provide all of the information I had just entered online. After confirming that I was the person who made the account, they told me they could not open an account for me because they could not verify my identity. They refused to explain why or how they made their decision. I asked if I could reapply and they said I would be refused again. I checked my credit report on XXXX, XXXX, and XXXX, as well as my consumer report on XXXX and XXXX XXXX, and there was not a single negative entry on any of them. I want to know why and how Goldman Sachs made the decision to not give me an account.
Product: Credit reporting or other personal consumer reports

I checked my credit report and a student loan appeared on it, I have never applied for any type of loan of that sort. The company ED financial said that they were going to obtain more information on the person who applied for it and they would get back to me, its been over a month and I still havent heard anything about it at all.