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

Inquiry date- XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, tx XXXX RE : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, - Inquiry date- XX/XX/XXXX XXXX card XXXX XXXX  XXXX XXXX , de XXXX RE : Unauthorized Credit Inquiry Dear XXXX cards, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score.  Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, Inquiry date- XX/XX/XXXX Amex XXXX XXXX XXXX XXXX XXXX , tx XXXX XXXX : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully,
Product: Money transfer, virtual currency, or money service

This problem consists of multiple issues. Venmo uses an inconsistent format for its amounts, displaying decimal point and cents in the lower right corner of the payment screen, but not in the payment entry area. Please keep in mind that this is usually accessed on a small screen that can be hard to read, especially for older, far-sighted individuals on-the-go who might not have their glasses available, thus making it easy to see that there is dollars and cents in the lower right, so it must be dollars and cents they are entering ; thus, if you enter XXXX, and see just XXXX on the screen with no XXXX following and no period, one would think that perhaps you just can't see the period as a tiny dot on a small phone screen when in reality, the XXXX means {$920.00} when properly formatted. Furthermore, Venmo has no features to allow and encourage customers to set alerts for XXXX amounts. Instead, they will send such a payment through with no way to edit it later, even if caught quickly. 

This was the case for me with a transaction I made on Sunday, XX/XX/2023 around XXXX when I intended to pay a local self-serve farm stand {$9.00} through Venmo. The farmer contacted me early the next morning to let me know there was a mistake and the transaction had gone through for {$920.00}, but he saw no way to edit it and asked if I could cancel it from my end. He said he was worried about the {$20.00} fee from Venmo for such a large amount. When I looked into editing or canceling the transaction, the Venmo site said that he would have to pay me {$920.00} back, so they would then be collecting not {$20.00}, but {$40.00} on this mistake, plus whatever their take would be for the {$9.00} it should've been. I found this to be a ridiculous price to pay to correct a mistake that was due to their poor, inconsistent interface and lack of standard features that other companies offer, so I called them. They refused to assist on the phone. I spoke to XXXX XXXX case # XXXX ). I threatened to close my account. They said fine, close it, so I did. They then froze the farmer 's account for days when he tried to call to correct it from his end, effectively punishing him for trying to do the right thing, and for not kowtowing to their outrageous fees.
Product: Consumer Loan

My car Loan has a status of " current '' with Santander. Santander is reporting to all XXXX CRA that my status is C/O. I am current on my auto loan since XXXX of 2016 yet my CRA are reporting C/O. 
I would also like an explanation of a fee of {$700.00}. I asked for a detailed invoice to understand what fees are being charged adding up to {$700.00}, I was told they do no offer a break down.
Product: Debt collection

XXXX XXXX is really violating my rights I previously disputed this company and they are keep selling the debt to different collection agencies. How can we as consumers protect ourselves from these companies?
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Transunion regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. Disputed Items : 1. XX/XX/XXXX XXXX ( # XXXX ) * Credit Limit Discrepancy : High credit reported inconsistently across bureaus ( {$1600.00} vs. {$1500.00} ). * Payment History Errors : Delinquencies reported incorrectly across periods with no corroborating evidence. 2. XXXX ( # XXXX ) * Credit Limit Discrepancy : Reported limit of {$2000.00} on TransUnion vs. {$0.00} on XXXX. * Payment Status Errors : Reporting of late payments inconsistent across bureaus. XXXX.XX/XX/XXXX( # XXXX ) * Inconsistent Status : Marked as " Paid '' on TransUnion but " Collection/Chargeoff '' on XXXX. * Date Discrepancy : Last activity date varies significantly. 4. XXXX XX/XX/XXXX ( # XXXX ) * Payment Status Errors : Listed as " Paid '' but simultaneously " Collection/Chargeoff. '' 5. XX/XX/XXXX ( # XXXX ) * Chargeoff Misreporting : Account listed as " Collection/Chargeoff '' with unresolved dispute comments. Violations of the FCRA : 1. 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information reported. 2. 15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation upon dispute notification. 3. 15 U.S.C. 1681i ( a ) ( 5 ) : Obligation to delete or modify unverifiable information. 4. 15 U.S.C. 1681s-2 ( a ) : Prohibition against furnishers providing inaccurate information. 5. 15 U.S.C. 1681n : Willful noncompliance resulting in liability for damages, including punitive damages. 6. 15 U.S.C. 1681o : Negligent noncompliance with provisions of the FCRA. I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX
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 federally protected consumer rights to privacy and confidentiality under XXXX USC 1681.

The letters are stated with items and issues.

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: Checking or savings account

My bank has suspended my account and restricted my ability to make transfers to an external account. I have called and requested this be fixed, and am told I must wait 1-2 business days. I feel this is an inappropriate amount of time to not be able to access the money I need to access. Additionally, I don't understand why my account has been suspended for a failed {$2.00} transfer. I have been a customer for years, and the support I have been given for this issue is completely unacceptable.
Product: Credit card or prepaid card

Purchased an item on XXXX with my discover card, item was not delivered to my home or it was stolen by the delivery person. Contacted XXXX, no resolution. Filed a complaint with my credit card and they ignored the fact I never received the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

This unconfirmed accounts listed below continued to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXXXXXX Balance : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX {$26000.00} ; XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXX  XXXX Balance : {$28.00} ; XXXX XXXX XXXX XXXX : {$34.00} ; XXXX XXXX Balance : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I suffered a XXXX XXXX and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX, BYL Collections, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$410.00} I've filed a dispute I believe it was fraud I didn't even live in the same state at that time I lived in California and it was an Arkansas that they were charging me for the light bill
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 



Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Student loan

I have been trying to work with American Education Services regarding my student loans for the past few months. I have been making payments online for years under my user name created when I first had my private student loans disbursed. In the last 5 months XXXX had some sort of change or system issue in which it blocked me from being able to access my accounts online. I am told the issue is because my profile online had my full name including my XXXX at the end of my name and that my student loans in their system was just my name without the XXXX at the end of my name and that this was causing a problem. I am currently living overseas in XXXX and have been for the past XXXX years. I have been making payments online with no problem during this time, but now I have called them several times to have the issue corrected and they continue to give me a hard time and despite speaking with a supervisor a month and a half ago who promised this was corrected and I would be able to log on my account the next day to make my payments, I was still unable to. I called again today and spoke with XXXX person who said they could fix it, and deleted the other profiles and had me create a new XXXX from scratch, but continued to get the same error message when trying to log in. They transferred me to someone to make a payment over the phone to bring my account current, and then that person proceeded to tell me I need to send in passport copies to validate my name to fix the issues. The last supervisor I spoke with said this was not necessary especially given I live overseas and it is difficult for me to do so, and in 10 years I 've never had an issue before. This is due to THEIR system issues or upgrades, not due to an issue XXXX the consumer created. There is a lack of compassion or concern as well as a lack of action to resolve their internal issues. As a result I have loans which are now 90 days past due ( just brought current XXXX and 131 days past due with them threatening to default them, despite the fact that their system issue is preventing me from making my payments online.
Product: Credit reporting or other personal consumer reports

Checkr did a background check on me for emerge. They came back with an incorrect criminal charge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is XXXX XXXX XXXX. I do have a criminal charge of just XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Those are 2 different charges with 2 different sets of elements. A description of what happened during the charge is not my charge or the penalty provision for my charge is not my charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX  to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.
Product: Debt collection

XXXX XXXX XXXX  has called my employer twice ( XX/XX/year> and XX/XX/year> ) in an attempt to collect the debt in violation of the Fair Debt Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed incorrect info on my experian credit report It is a bankruptcy filed XX/XX/2013 and a XXXX XXXX card XX/XX/2013 for XXXX that says it was included in a bankruptcy I have disputed it several time as not mine and they have refused to do anything about it. Now they will not even allow me dispute it anymore. It is effecting my score greatly. Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I signed up for

the Capital One Savor credit card. I received a mailer in US
Mail to my address at XXXX XXXX XXXX XXXX Fl XXXX that once I apply, and if I am approved, I would get {$150.00} bonus after spending {$500.00} on my card within 90 days. 

I liked the offers, so I followed the steps to apply for the card online. Shortly after I received the card and used it to spend {$500.00} with the hopes of getting the {$150.00} bonus. 

After a few months, the bonus had still not been applied so I contacted Capital one. they looked into it, and XXXX advised me that the fine print says that you may or may not receive that bonus, and unfortunately you did not get the bonus. I asked him to elaborate why? XXXX from capital one responded along the lines that although he is not sure why, the terms and conditions in the fine print state that the bonus may or may not be applied. 

I felt like we were going around in cirlces, so I asked him if there was anyone else who could tell me more, and he would essentially repeat the same thing again. It was a pointless conversation and I have yet to receive my {$150.00} bonus for spending the {$500.00} on the credit card as advertised. 

Had I not recieved that advertisement, I would not have applied for this credit card.
Product: Debt collection

I requested the original credit application and copy of drivers license from XXXX XXXX. Thier response said that they do feel the need to send me the requested information. I am legally entitled to request this information. Thier failure to provide me with this information that I requested is in violation of rights. Please remove this account from all of my credit files immediately.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along XXXX my XXXX card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$2300.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX
Product: Checking or savings account

I requested a roll over of my retirement acc from TIAA to XXXX XXXX  After many calls with incompetent TIAA agents and missing forms they finally processed the transfer but that is unbelievable they send {$270.00} XXXX by regular snail mail usps as a XXXX card- no certified mail or tracking Very unsafe, unsecure and prone to be lost or stolen beside lost interest for more than 10 days No checks were received after 4 days? 
Agent say XXXX certified over night may be available upon request but I was never informed I will make sure that will be addressed-completely carless from your customers