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

In XX/XX/2023 I purchased a new vehicle. I did take out a small loan for the vehicle. 
Checking my credit card statement from recently I realized I have been getting billed monthly for a credit report I do not remember authorizing in the amount of XXXX from " EXPERIAN '' . As the end of the fiscal year approaches, I simply started going over the monthly billing charges and discovered the billing from EXPERIAN. 

I contacted my credit card company XX/XX/2023 and had their further billing blocked from my card. I attempted to contact EXPERIAN in an attempt to clarify why they have billed me $ XXXX since XX/XX/2023, the algorithm on their phone line simply would NOT allow me to speak to a representative instead asking me if I wanted instructions on how to ask the company a question. 

I believe this is fraud or misrepresentation of their services since I have NEVER authorized payment for a credit card company for monthly credit reporting.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX 2024, I mailed a dispute letter to TransUnion via USPS certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX requesting an investigation into inaccurate items on my credit report. In addition, I disputed incorrect personal information listed on my credit report. I provided all necessary documentation, including a copy of my photo ID, Social Security card, and proof of address, to verify my identity and support my dispute.

Despite my thorough submission, TransUnion refused to conduct the investigation as required by the Fair Credit Reporting Act ( FCRA ). This refusal is in direct violation of my rights under the FCRA, which mandates that credit reporting agencies must investigate disputed items on a consumer 's credit report within 30 days of receiving a dispute letter.

I received a response back from TransUnion dated XXXX XXXX, 2024, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
As a result of TransUnion 's failure to investigate, the inaccurate items remain on my credit report, causing significant harm to my credit score and overall financial standing. This has led to difficulties in obtaining credit and other financial services.

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act.

I am including a copy of my dispute letter sent to TransUnion, USPS certified mail proof of delivery, along with TransUnions response as proof.
Product: Credit reporting or other personal consumer reports

I looked at a copy of my credit report and noticed many inaccuracies on my account. those accounts are hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure the accuracy here is the item i am asking you to verify as accurate : Account name : XXXXXXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$3100.00} ; XXXX XXXX  XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$620.00}
Product: Debt collection

Complaint issued on XX/XX/2016 ( Case number XXXX ) regarding XXXX and XXXX. On XX/XX/2016 two online payments for XX/XX/XXXX and XX/XX/XXXX were cleared from XXXX. XXXX XXXX XXXX XXXX CA XXXX. No phone contact available nor written statement of balance issued. XX/XX/2016 Received phone call from Hatfield Portfolio Group citing file # XXXX, No written correspondence indicating change from XXXX and XXXX. XXXX receives poor rating with XXXX. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never got any letter from any agency called LexisNexis on any of my report but now this explain why my rates on my issuance was rising and XXXX  was raising my policy higher. I never had any accidents the accidents was cause by people that was been XXXX and they out this on my report that I had any knowledge of by the report shows that i was not at fault on the accident someone that ran in to me on purpose calling me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was aware of the accident but I never knew that this was added to me report at all and I didn't or know the consumer agency at all. I never receive any notices at all but now this explains why my rate was going up with XXXX instance and why they cancelled my policy out. The date they had listed was XX/XX/2019 and XXXX knows I was not at fault at all on this one at all. i would like to know who sold my information to this company without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$4400.00} XX/XX/2017 15 U.S.C , 1681section 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 an 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 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

My name is XXXX XXXX and I am currently a co signer on my sons loan with XXXX account number XXXX. My Son XXXX XXXX was running late on the payment and I was never notified of this until my score dropped 80 points. XXXX had all my loan information and never contacted me either by phone or mail. When I asked why I was n't contacted they said they did n't have my information from my application. I feel this is unfair and untrue I had filled out all my currant information during the loan process. If they did n't fill it out I feel this is unfair as I am a loan signer and would like to be notified if my son was having financial difficulty. I have a perfect history and never has my son or I ever been late on any payment in the past. This has ruined my ability to obtain a car loan. I have spoke with managers and no one will even give me the time of day. They said they do n't have the ability to remove from my credit report which is not true. I feel they are being dishonest. I do know they have the ability to do a courtesy removal. I could see if we or my son had a history of late payments, but that not the case. I 'm almost feeling they are discriminating as all four people were XXXX XXXX. I am a XXXX women. They did n't seem interesting in helping me. I feel they were being deceptive as well as eager to allow my life being ruined. I would like them to provide a courtesy removal as we both have had perfect credit history. Its almost like they are trying to set us up for failure. All employees were short with me and not willing to work with me. I feel this is unfair. Please help as this has harmed my ability to optain a car loan in the future.
Product: Student loan

I continue to receive calls and letters from Sallie Mae / XXXX. I have made several attempts to speak with a representative to enroll in repayment plans. The representatives states that they do not offer income based repayment plans only short term forbearance payment plans. 

I have be ignored of my complaints, they have provided inaccurate information and offered only high cost repayment plan. 

My research of my loan compared to other student loans I received a subprime high interest rate and terms. 

My co-signer has made request to become released from the loan and has been ignored of her attempts. 

I am interested in the income based repayment plan. ( PAYE ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint I have filed with the CFPB regarding Equifax incorrectly reporting an education loan. I have attached a copy of the erroneous reporting showing that only Equifax is reporting this information, as well as a letter received from the Department of Education. The letter specifically states, " Because you have rehabilitated these loans, we have notified the national credit bureaus to DELETE the record of default from your credit record. ''
Product: Checking or savings account

On XX/XX/2023 between XXXX I went to a Huntingtons Bank Branch and I went to one of there 3 ATMs to deposit money ( {$500.00} ) onto my XXXX XXXX XXXX XXXX XXXX . I did the same as I have done before and never had problems but this day the atm said upon depositing money I did not put the cash in machine in time and they were holding my funds and for me to contact my financial institution. The machine also locked my card for about 5 mins or so. I called the 1800 number on ATM, I also called both financial institutions when they opened up. My XXXX XXXX issued a dispute on behalf of me and on XX/XX/2023 I got a call saying it was denied. I then contacted Hungtington and visited branch and still got no resolution, neither did it seem as though they were empathetic to the matter or helpful in any way. I felt like the branch manager was not trying to offer any options to get matter resolved she was very short with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two letters one in XX/XX/XXXX and the follow up in XXXX of XXXX to XXXX and Equifax to remove addresses that do not belong to me. 
As well as unauthorized inquiries. 

XXXX let someone change my primary address to a New York address that I have NEVER lived in. I XXXX the address it is a building with business. 

Equifax is listing apartments, which Ive never lived in an apartment, address that are associated with former employers and addresses that belong to deceased family members. 

This is absolutely an FCRA VIOLATION and is a potential fraud/identity theft issue. 

Ive included letters that I sent to BOTH credit reporting agencies and have received no response from either. I included my drivers license as well as a utility bill.
Product: Credit reporting or other personal consumer reports

AMEX is reporting on my credit report that I owe the company when the account was paid in full. The credit bureaus keep verifying that a balance is still owed and the account is verified which isn't correct. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card services changed my method of billing delivery at some time in late XXXX. For more that 30 years my wife and I have received ONLY PAPER statements for the following : XXXX credit cards, XXXX automobile insurance premium, homeowners insurance, automobile loans, and checking account. At no time in those 30+ years have we ever requested or received an electronic billing statement. This specific credit card account often had no minimum payment due OR there was a zero balance. In early XX/XX/XXXX I received a notice from XXXX XXXX XXXX XXXX XXXX that my FICO score had dropped XXXX points ( XXXX to XXXX ). I immediately learned that XXXX had reported a past due of {$41.00}. I immediately spoke with XXXX and paid the full balance and filed a " dispute '' regarding this " past due ''. XXXX immediately refunded their late fee, and initiated the investigation. On XX/XX/XXXX I spoke for nearly an hour with a XXXX XXXX XXXX XXXX representative. That advocate informed me that she had completed all research on the matter and specifically stated that " we have no idea how this happened ''. Furthermore, she stated that " I have done all of the research and there is no process/procedure/facility to determine how, who, when or why this change was made to my account ''. Ten ( 10 ) days later, another representative from the XXXX group informed me that they were not going to correct the error on their delinquency report. And in complete contradiction to the earlier two conversations with XXXX  that SHE had figured out that I requested a change in billing delivery to electronic on XX/XX/XXXX. The representative was unable and frankly unwilling to provide any documentary evidence that I had made or requested any change. XXXX could only assert that I was in my on-line account that day. Therefore, I must have made that keystroke change. This was an error that several XXXX representatives had already affirmed in several discussions.
Product: Credit reporting or other personal consumer reports

Could you please eradicate these inquiries? They pertain to subjects I am unfamiliar with, and the company pursued them without my approval.
Product: Credit card or prepaid card

I bought what I thought was a pre-paid card for my niece XX/XX/2016 for a XXXX gift. She tried to activate the card, but was unsuccessfull, so I had her send the card back to me. The card is from NetSpend.  I tried to activate the card myself, but they wanted her SS #. I finally got her SS # and tried to activate the card. When I call the number, the computer says there is no account. I finally emailed the company and today they called me. They wanted lots of information from me including my SS #. The original amount was {$200.00} on the card. They tell me now it's {$130.00} due to fees. This seems illegal to me. My understanding is you can't just arbitrarily charge fees. I wouldn't give them my SS # and told them to send a check for the balance to my home. They said it would take 6 to 10 business days to get the check. I don't know if I will ever see the money, but I would really like to know how NetSpend is able to charge {$65.00} to hold on to my money for a little over a year. My guess is there are many people being taken by this company. At the grocery store where I bought the card, it looks like an ordinary XXXX cash card, which I have bought before with no trouble. There is nothing about activating the card or ongoing fees. I paid the usual small fee for the card and had no idea there would be anything other than just using the card as a XXXX card. NetSpend seems like a scam. Thanks for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is either reporting the FIRST date of delinquency wrong ... or Equifax is listing it incorrectly. after repeated attempts to correct with the companies, it still remains wrong. Even after attempts to get the companies to recognize the error, they keep telling me it is correct, when XXXX XXXX sent me record of the date of my ORIGINAL first date of delinquency. First date of delinquency was in XXXX... not XXXX. I keep getting denied new credit, and one of the factors is due to a CURRENT delinquency, this being the only current one! 
This unfairly re-ages the debt ... and keeps it on the credit report for 11 years instead of 7!
Product: Checking or savings account

i have payments coming out every paycheck bc i have direct deposit but for some odd reason my bills never go thru so i always end up owing the bank not once have i not whats the purpose of having a bank account when your money isnt save in there i have XXXX bills now in collections bc not once have they been paid but they are direct deposit and whose going to take them out of collections for me definitely not bofa i have to pay all the late fees and the missed payments now i what do i do???
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Account Number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Money transfer, virtual currency, or money service

I have a paypal cash plus account. I had directed my social security XXXX payments to be direct deposited to my paypal account. 
My paypal account had an " alleged '' negative balance of XXXX. Fine. On XX/XX/2020, Paypal put a " temporary limitation '' on my account to " verify my idenity ''. 3 seperate times over the past 3 months i have submitted multiple copies of documents including : State ID card, bank statements, debit card statements, proof of address. 
On XXXX XXXX I again submit copies of requested documents. Received an email from paypal stating my documents were being reviewed and I would receive a response via email. 
A direct deposit of XXXX from the social security administration treasury department posts to my paypal account on XX/XX/XXXX. 
Paypal removes the alleged XXXX owed and unjustly puts a " permanent limitation '' on my account to where I apparently can not use XXXX anymore and they will hold my funds for 180 days. I made 20 phone calls to paypal on XXXX XXXX and no one could tell me why my account was permanently limited and why i couldn't withdraw my social.security XXXX benefits. I begged, and explained that I had submitted all necessary documents, my balance was current, and that I am XXXX and only receive this money once a month. That I have a XXXX year old and XXXX year old that are starving and I have no money. I explained that my bills are due on the 1st of the month and are already late. Yet not one representative could explain why my documents i submitted hadn't been reviewed, why I can not use my paypal account anymore and why they would be witholding my money for 180 days ( 6 months ). 
5 seperate phone calls.on XX/XX/2020, exceeded 45 minutes each. I have gotten no response, no explanation whatsoever. I can not wait 180 days to withdraw my own money. I owe nothing to paypal. I was also informed by a representative that my account was permanently limited only 3 hours after my  direct deposit was posted to my paypal cash plus account. For what reason? Paypal will not answer. 
.
Product: Debt collection

I received a letter stating that my account was placed with this office for a balance of XXXX from a XXXX bill that was paid when I transferred to XXXX, this bill has been placed with XXXX This is the 3rd collection company this paid bill has been placed with, I want them to stop calling my phone and please verify this debt I have a printed bill from my American Express account showing that this bill was paid in full. I had my wife to contact them and to verify is this was an actual law office because if not they are acting under false pretenses that this is an actual law office
Product: Student loan

I paid in full the amount of {$4600.00} to XXXX XXXX XXXX on XX/XX/2018 after an agreement was reached with loan owner XXXX XXXX XXXX XXXX/USA Funds. XXXX informed that I will received a loan cancelation letter after 30 day of payment. I contacted XXXX on XX/XX/2018 and they confirmed payment was received and send to XXXX XXXX XXXX XXXX but they could not provide more information and that I have to contact XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and they informed I have to contact XXXX XXXX XXXX XXXX XXXX XXXX because they are the loan owner. I don't have any information that names XXXX XXXX XXXX XXXX XXXX as the loan owner. After calling to 6 different phone numbers and contacting XXXX XXXX XXXX XXXX XXXX, I when back to XXXX XXXX XXXX XXXX which was unable to provide information on when I will receive a cancelation letter. These companies harass and play the game of exhausting ( " hot potato '' ) the people without any consequences and what is worse they keep doing business as usual with the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting different credit scores for my account. All other credit reporting agencies scores are higher. TransUnion needs to investigate everything on my account and adjust my score. One credit score is listed as XXXX and one is listed as XXXX which is keeping me from renting. My other credit scores at other reporting agencies are in the 600 's. Please verify all the things on my credit report and adjust my score across the board.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by Persolve in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing This is not my account on XX/XX/2022