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

I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed items which I believe were reported in error. 


XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX
Product: Student loan

I paid my student loans off during COVID so my student loan debt was {$0.00}. I had my loan with XXXX. I requested a refund of {$10000.00} in XX/XX/XXXX. I was told that it would take up to 2 months to get my refund. I informed the agent that I no longer have the bank account I made my payments with as I moved. The agent told me that would not be an issue and they would attempt to direct deposit the money into my account 2 times and then mail me the a check.They confirmed my correct address and contact info. I have heard nothing regarding my refund. I have called every month since the refund request and am getting the run around and different answers every time I call. No one is able to give me exact information at XXXX XXXX when I called. My student loan on XXXX now states my bill balance is {$10000.00} but I have never received my refund. 
My loan was transferred to Aidvantage in XXXX. I spoke with them on XX/XX/XXXX. They told me they can see that when they received my loan on XX/XX/XXXX they saw my request for my refund that XXXX XXXX submitted and they said it was approved by the House of Treasury but could not give me any information on when I would be getting my check. They said I have to just wait and that they could do nothing to help with the refund since they received my loan transfer in XXXX which showed that XXXX had initiated the refund and was already approved by the Treasury. They gave me a number to call, which was the IRS number but the rep at the IRS had no idea what I was talking about when I called to inquire about my refund status. Aivantage says they can not do anything and XXXX XXXX no longer exists to ask them questions. I am concerned that I am not going to get my {$10000.00} refund check that I requested in XXXX and it is extremely frustrating that no one knows the exact status of my refund, when I should be expecting my refund, or who I can talk to about it, but there was no issue quickly with reinstating my loan to reflect that I owe {$10000.00} again. I need help with this issue I have been dealing with now for almost 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMorgan/Chase is reporting two deliquent accounts and two recent inquiries that are all fraudulent and I would like deleted.
Product: Credit card or prepaid card

Hello, This is a complain for Capitol One Credit card I have. 

During the football season, I used a sport app XXXX XXXX XXXX XXXX. It has an advertisement for free picks. I went in the link and ended up spent {$250.00}. I was able to register and made some bet including free bets though I didn't save the info because I was using a work computer. I was expecting email confirmation from the web XXXX XXXX. I didn't get any mail. I went back to the XXXX XXXX  XXXX app to get in but the ad was gone. I checked the credit card state statement and it only have a description of XXXX XXXX. No contact info. I went to web to search and nothing came up so I filed a dispute with Capitol asking for help. It was XX/XX/XXXX. I told them I don't have a way to contact the other party. In XXXX I called back to check and credit {$250.00}. Then i find out they charged again in XXXX. I called in, they said the other part told them i used the web so " good was received ''. I have to explain the whole case again. They want me to submit supporting document even though I don't have anything. So wrote up a letter to explain the case. Nothing happen. I called in in XXXX. They told me I listed the case number in the letter but there is no amount and signature. I submitted another letter. Nothing happened. In XXXX i received a letter telling me I received the goods so they reversed the charge. I can file complain to review until XX/XX/XXXX. I called in XX/XX/XXXX and they told me the case is closed because time expired. 

I was frustrated because I have to keep calling in to get status. They said they sent me letters but i didn't get them. XXXX XXXX has to do with this or the guy next door has the same name but they could have go with email for these time. I told them over and over that i don't have anything on my end to contact XXXX. I am ok with the charge as long as I have the account back. There is money unused in the account. I even ask the supervisor to review our calls. Even if I used some money on the bets, I am entitled to see the result. I have unused money in the account. In the end, i was told time expired even there is a letter telling me to press further until XXXX. 

The agent was nice and supportive but i don't think they understand what i need. I was nice and trying to be patient but was upset by the end when they told me time expired. It was unprofessional they way they handle this case. It's a small amount but want justice in this case. All my call are recorded. If any supervisor listen in, he/she would know that i don't have way to get my account/money. They should have help me instead of telling me to go ask XXXX for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed a number of accounts on my credit I do not recognize. I have been a victim of Identity Theft for years. I need these items removed and blocked from reporting again. They are a result of Fraud.

The items are XXXX  XXXX from XX/XX/XXXX for {$610.00} XXXX XXXX XXXX from XX/XX/XXXX for {$590.00} XXXX XXXX XXXX from XX/XX/XXXX for {$330.00} XXXX XXXX XXXX from XX/XX/XXXX for {$230.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX from XX/XX/XXXX for {$280.00} XXXX XXXX from XX/XX/XXXX for {$520.00} Account XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$1400.00} XXXX  XXXX is also reporting as XXXX XXXX XXXX for {$610.00} so it is reporting twice as both an alleged original creditor and a collection agency. They are double reporting and hurting my score even more so because neither are mine. They are fraud.
Product: Credit card

I requested American Express that I am unable to pay due to hardship and asked for a settlement. The agent at the time said they would consult a supervisor and call or send information regarding settlement. American Express did not provide that information. Subsequently, hired XXXX XXXX XXXX to file lawsuit instead. I called America Express and expressed my concern to the matter and the AE agent, XXXX XXXX, stated that the was no notations on file what so ever, even though I called previous numerous time, about 20+. They neglected to notate my account. I asked the representative when was the last notion and they stated there was never a last date where an agent notated. I asked if possible to escalate to American Express Settlement department to get a better understanding but transferred he transferred me to XXXX XXXX  XXXX. This is unfair since I am trying to stay afloat. For the past 8 month I am barely able to afford food. 
The whole time I am waiting for a response to be able to do something. 

XXXX XXXX  XXXX have harassed me with having paralegals call and state they're lawyers calling repeatedly to collect debt and that they will sue me with maximal penalty.
Product: Credit reporting or other personal consumer reports

Experian Reporting this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has several late payments. It as well should not have any late payments attached to a charge off account because charge accounts are late by default. XXXX XXXX XXXX XXXX XXXX XXXX It states I made a payment in XX/XX/2022 but states in the history you closed the account .. and only after 60 days of being late XXXX XXXX XXXXXXXX This charge off again is illegally reporting late payments against an already charged off account that is late by default. In total it has close to 79 late payments attached to it and continues although the account has been charged off.. I want this late payments updated to pays as agrees. 

I
Product: Debt collection

I called Renton Collections today to pay a debt in collections from an ambulance ride I was given after having a XXXX XXXX shortly after Hurricane XXXX forced me to relocate from XXXX XXXX to the XXXX area. 

My credit report showed the debt as {$1000.00}. But when I gave my credit card information to the woman ( XXXX XXXX ) assisting me over the phone, she charged me {$1600.00}. She explained that the nearly XXXX additional dollars were due to interest. I agreed to pay that amount in full, but requested an itemized breakdown of the accrued interest showing how we got to that number today. 

She refused, and instead emailed me a proof of payment showing the total amount charged, but without explaining how that amount was arrived at. She told me that information would be available if I made a request in writing. I asked to speak with someone else in the organization who may be able to help. XXXX first refused to transfer me, explaining that she was the manager, but eventually transferred me to XXXX XXXX. 

XXXX also refused to provide me with any sort of written breakdown of the figure I had just paid. At one point he suggested that I was a criminal for " not paying to good doctors who provided me with such good service ''. 

XXXX transfered me back to XXXX. XXXX continued to refuse to provide me with the information I was requesting, showing how the debt increased. Both XXXX and XXXX told me multiple times to go to " XXXX and use the calculator to figure out how interest works. '' When I reminded XXXX that she had earlier offered to send me this information if I made a formal request, she backtracked and said that Renton Collections would forward my request to their lawyers and then decide if they could share anything with me. 

XXXX told me at the end of my call that I was a special case and that they were wiping my collection notice off of my credit report because they had never called me to tell me about the debt. She said that records showed they had mailed me once at a XXXX address that I do not actually live at. 

XXXX also suggested that she could put the debt collection notice back onto my credit report " if I wanted her to ''. 

I have an email from XXXXXXXXXXXX showing I paid {$1600.00} today, but have been refused an itemized breakdown of the debt, or even proof that the debt was owned by Renton Collections.
Product: Bank account or service

I tried to open a bank account with Citibank. 
The account was opened and funded. Now they asked me for verification with Driver 's license. I traveled XXXX and my Driver 's license XXXX a few days ago. 
I asked them if I could fax my Passport they refused. They said it 's only Driver 's license they need.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Credit Acceptance is continue to have to assess my credit report after numerous attempts to report that they have broken the fair credit act. You all have laws in place for business to follow however XXXX, XXXX, and XXXX continues to allow American credit acceptance to break the rule. They have exceeded the time long before I made this complaint. American Credit Acceptance has no evidence to prove to you all that they did not break the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I am writing in regard to the above-referenced account/s transactions. This vehicle was purchased at ( dealership name ) Date ( the date it was purchased ).

I have recently come across information from the Federal trade commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information. So the information must be removed from all of my reports or I have no choice but to take you all to court. The law is the law!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX Made on : XXXX Made with : Transunion
Product: Debt collection

I owe XXXX XXXX XXXX in XXXX, IL. 

I tried enforcing my rights under Illinois General Assembly to have a reasonable discussion about the amount owed. 

Instead of communicating with me, they sold my debt to Frost Arnett, I contacted Frost and told them I dont want any further contact. 

They have not stopped calling or texting. 

XXXX XXXX  will still not respond to me after multiple attempts to resolve my debt.

This is a violation of Illinois state rights.

HEALTH FACILITIES AND REGULATION ( 210 ILCS 88/ ) Fair Patient Billing Act. 

I wanted to dispute a service after a misdiagnosis from one of their medical professionals.
Product: Vehicle loan or lease

In XXXX, I fell on hard times. I managed to keep up with my car payments despite not having a job for nearly 3 years. In XX/XX/XXXX, my car was repossessed. The day before I was finally offered a job. The only caveat was that it didn't start for another month. I attempted to do everything I could to prevent a repossession. Once it happened, I attempted to pay. I was told that I had to come up with money in a 10 days. I asked for more time, as I had just gotten a job. I got a pay check 3 weeks later. I planned to use ALL of it to get the vehicle back. I was {$200.00} short. I begged for an extension of another 2 weeks or even just a waiver of the {$200.00}. I was told no by everyone I spoke with. Then I was told that the car was going to be auctioned off. I was not told where the auction was being held. That would have given me an opportunity to buy the car. Eventually, the car was auctioned off, according to GM Financial. Fast forward to XX/XX/XXXX. I wanted to resolve the issue. I reached out to GM Financial and spoke with XXXX. I asked her about settling the account and having it removed from the credit reporting agencies. She stated that they do not do that and that I would have to wait for it to " fall off. '' Under the FCRA, reporting to agencies is VOLUNTARY, NOT MANDATORY. She then stated that they delete accounts that have inaccuracies. I pointed out several. The amount owed, was different than the information she stated over the phone to me. Additionally, the loss was written off. GM received their money. Furthermore, the car sold at auction. Additional monies toward the account. She had informed me that the account was old and sent to the XXXX XXXX XXXX XXXX collection agency. Then, she stated that, it was a good thing because they could " offer me a settlement lower '' than GM Financial could. I called XXXX XXXX  XXXX XXXX. I spoke with XXXX XXXX on XX/XX/XXXX. She stated that she could not locate an account with my name. That GM Financial had pulled it back from them. Mrs. XXXX advised me to call GM Financial back. I did immediately. I spoke with someone and explained to her the information that Mrs. XXXX at XXXX XXXX XXXX XXXX had told me. She placed me on hold. I was on hold for about 15 minutes. The call had been transferred and I was connected to XXXX again. She indicated that while I was on hold for so long, she was working out a settlement offer for me. The offer was {$2300.00}. I told her that I could not afford that amount and asked her to send the account back to XXXX XXXX  XXXX XXXX. She stated that she would not do that. 

Several violations of both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act occurred. 

1 ) 15 USC 1692b ( 2 ) 2 ) 15 USC 1692a ( B ) 3 ) 15 USC 1692e ( 2 ) A 4 ) 15 USC 1692f ( 1 ) Failure to Comply With UCC Article 9 5 ) When the repossession occurred, peace was breached. 
6 ) I was not given my personal property from the vehicle.
Product: Student loan

On XX/XX/XXXX, I requested a refund through XXXX, I even have an email confirmation. I made payments from XX/XX/XXXX- XX/XX/XXXX. The rep told me it could take anywhere from XXXX weeks to XXXX  months. I called back in XXXX and same response. Sometime in XXXX, I found out my loans were transferred to Aidvantage. XXXX said another refund request was submitted. It's now XXXX and Aidvantage still doesn't have any of my account information. 

XXXX 's Response : Although your account is not active at this time, it has been transferred to another XXXX servicer. You should have received communications regarding this transfer. 

I have not received anything from Aidvantage yet. 

Please handle.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at 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, NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$810.00} ; XXXX  XXXX Balance : {$590.00} ; ( Original Creditor : XXXX XXXX ) XXXX : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I attempted to use the XXXX XXXX to place a security freeze on my credit report. After presenting me with several fields for gathering my private information, such as XXXX, address, XXXX, etc., the Website returned an error message saying it was " currently unable to process my request. '' I also attempted to call the toll-free number for XXXX, and received a busy signal. 

Also on XXXX/XXXX/XXXX, I attempted to use the TransUnion Website to place a security freeze on my credit report. After presenting me with several fields for gathering private information, the Website returned an error message stating it " could not process my online request. '' The error message directed me to call a toll-free number. When I called the number, I received a busy signal. 

Kudos to XXXX, it was the only credit reporting service able to process my security freeze request. 

After being a victim of the XXXX XXXX breach, ( I confirmed by going to the XXXX breach Website and entering my SSN ), how am I to protect my private consumer information?
Product: Credit card

On XX/XX/2023 CAPITAL ONE BANK USA NA ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) requested a hard inquiry on my credit without my permission. On XX/XX/2023 I received a XXXX XXXX credit card in the mail that I did not authorize. I will call the company to inquire and am alerting the CFPB of this issues as recommended.
Product: Consumer Loan

FIFTH THIRD BANK-XXXX. XXXX XXXX XXXX MD XXXX, OH-XXXX ( XXXX ) XXXXItems was removed during successful dispute. Fifth third then put back on credit report and duplicated the account. Now shows two accounts. This is preventing me from obtaining loans
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute an entry on my credit report concerning a student loan that I believe is being reported inaccurately and in violation of my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ). 

According to my records, I was never informed by my loan servicer about their privacy policies nor was I given the option to opt-out of sharing my private financial information with non-affiliated third parties, as required under the GLBA. This failure to provide proper notice and opt-out options constitutes a violation of my privacy rights, which may have contributed to inaccurate reporting on my credit file. 

Please conduct a thorough investigation into this matter and remove any incorrect information from my credit report that pertains to this student loan. I request a full explanation and verification of the entries in question, as well as confirmation that the necessary steps have been taken to remedy any privacy violations under the GLBA.