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

I I have recently submit letters to you about my credit report XXXX, Experian and XXXX for all 3 credit reports waiting for a response yet I got nothing, according to the standards you was to connect me with 30 days due to time of this whole situation how XXXX. 

There are errors that are on my credit report which should not be or removed from my credit report. 

wrong address wrong employment wrong name never live there Because of this treatment, I had to change my purchase my real estate investment properties because my credit report is not up to CFPB STANDARD!!!

this total Unacceptable and violates over 20 rights that I have as a consumer I ask you to take complaint extra seriously, I would like a response form you no later than 15 days. And also request to be compensated interest for every day the credit bureus do not reply to my complaints.
Product: Credit card or prepaid card

I applied for the XXXX VISA card this afternoon to take advantage of an offer that would give me {$50.00} off of the airfare I was purchasing through XXXX. The credit card was offered through Barclays. I completed the online app and was approved and the screen instructed me to click on the accept button to proceed with the purchase ; however, when I advanced to the next screen it asked me for a credit card number. I never got the new credit card number, so I called Barclays and they told me that they were unable to give me my credit card number for security reasons and that I would have to wait to receive my card before I could make the purchase. I then requested that the account be closed, because I only wanted it to make the airfare purchase. The customer service rep then proceeded to ask me for my account number so she could close the account. I explained to her that that 's the reason I was requesting it be closed. She said there was n't anything they could do about the website because it was XXXX 's website, but I told her it was Barclay 's card, to which she agreed. It was clearly false advertisement, so I bought the plane ticket through another company and hope that Barclays closes my newly established account.
Product: Checking or savings account

Hello to whom it may concerns, I have problems with chase bank. On XX/XX/XXXX in the evening I received notice of being overdraft from my checking for {$8.00} I immediately deposit {$100.00} because I know that there will be potential automatic payments coming through. Another transaction came out Sunday {$19.00} and Chase charged me {$34.00} overdraft fee which created chain reaction of multiple overdraft. Right now I have 3 overdraft of {$34.00}. And I have other transactions ( Automatic payments that will come through ). Right now I am {$80.00} negative. I called Chase and asked them to reverse their fees putting me negative they said know because we already reverse fee for you this yr. But Chase reverse fees that werent correct. And they called that courtesy reversal. I didnt do anything wrong, you charged me wrongly, that is why you gave it back and now you will not correct another unfair charges because you were nice to me already for giving back what shouldnt have taken in the first place. That doesnt make any sense to me. 
I have income reduction I can afford paying my bills, but I can't afford letting my bank scamming out.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX { Date of Origin } XX/XX/XXXX TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) I hope this message finds you well again as of XXXX  ( XX/XX/XXXX ). As a investor in your esteemed corporation, I am writing to express my deep concern regarding the apparent non-compliance with Securities and Exchange Commission ( SEC ) filings, particularly the XXXX, XXXX, and prospectus forms. 

As an investor, I understand that my self liquidating paper / asset-backed-security / application ties into the Securities Exchange Act of 1934 which outlines the essential framework for maintaining a fair and efficient market, and adherence to these regulations is paramount for the well-being of investors as myself. 

Furthermore, I am troubled by the lack of compliance towards The Information for Good, I request a thorough investigation into this matter in Good Faith, for it is my sincere hope that your corporation will take immediate action to rectify any non-compliance issues and uphold the principles of fair and transparent business practices, I look forward to a swift resolution and a renewed sense of confidence in the corporation 's commitment to compliance and investor well-being.
Product: Credit reporting or other personal consumer reports

Following 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. I did not authorize them and they do not have a Permissible Purpose on my behalf. 

15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 ) ( a ) 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.

The accounts below have violated my rights. Please delete the accounts below : - Creditor name : XXXX XXXX XXXX. Date : XX/XX/year>.
Product: Credit card or prepaid card

Received Vanilla brand Visa gift card for {$100.00}. Digits are missing from the card. Contacted company on XX/XX/23 and was informed a new card would be issued within 7-10 days. Given case number XXXX. As of XX/XX/23 no update to case. Several emails have been sent and ignored.
Product: Credit reporting or other personal consumer reports

The collection is with XXXXXXXX XXXX XXXX account number XXXX. Date opened XX/XX/year> with the XXXX  company. The amount on collection is {$2700.00}. I need this collection to be removed from all 3 credit bureaus. Also I need more information including my identity where this debt come from what year.
Product: Credit card or prepaid card

On XX/XX/XXXX there were fraudulent charges made on my account for a total of {$350.00}. I notified XXXX XXXX that these charges were fraudulent and they initially removed them from my account, closed that account, and began an investigation. However, when they opened a new account they transferred the fraudulent charges to the new account. Then, in a series of phone calls between XX/XX/XXXX and XX/XX/XXXX ( and some prior phone calls ), some lasting up to two hours, I was told many different conflicting. One representative alleged that those charges were charges that I had spent on the new account, which was demonstrably untrue. I had another representative tell me that that the transfer of the charges was a mistake on the part of XXXX XXXX. Finally, I had a third representative tell me that it was a part of XXXX XXXX XXXXs investigation process, which seems unlikely as I have never had charges be added back to an account while an investigation was pending. Furthermore, I never received notification that an investigation had started within the legally required 30 day period.
Product: Prepaid card

They won't even talk to me unless I send a picture of my social security card and birth certificate. They also claim I gave them the wrong phone number and email address
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I was a victim of Identity theft I have reached out to all 3 major credit reporting agency Equifax, XXXX and XXXX these said accounts were deleted from my account. The accounts was deleted from my credit profile and was reinserted. Section 611, States I was to be notified in 5 business days of my account being reinserted back onto my credit profile and also according to the FCRA all 3 credit reporting agencies must have the same information. I also opening up a dispute on XX/XX/2023 and got a quick response back in 3 days the the items was verified as mines. It takes an investigation 30 days so I'm assuming they never investigated the accounts I stated in my report please provided all statements showing the exact times these account occurred I can't open another dispute according to the FCRA as a consumer
Product: Mortgage

XXXX XXXX, 2017 To whom it may concern : My name is XXXX XXXX XXXX and I am currently living at the address XXXX XXXX XXXX XXXX, ca XXXX. I have been corresponding with Ocwen customer care, retention specialist, retention manager, and two escalating managers since XXXX of 2017 to pay my mortgage and become current. In addition to the run around I am fighting a terminal illness and asked Ocwen for help and they have ignored all of my calls for help or assitance in resolving this matter. 

My first correspondence started on XXXX XXXX, 2017 regarding the first wire transfer for XXXX. I was made aware on XXXX XXXX that I needed to recall the funds and change the beneficiary information. The information was verbally given to my banking institution XXXX XXXX XXXX XXXX from the Ocwen associate on the phone on XXXX XXXX, 2017. 

I have been corresponding back and forth since XXXX trying to get the XXXX returned or applied to my account. I have sent my bank statement and two wire transfer receipt with no resolution. I was made aware today that I have a sale date fastly approaching on XXXX XXXX, 2017. I need the XXXX to be applied or returned immediately to avoid me losing my property and my only place of residence. 

Today I am sending the documentation from the bank wire transfers and documentation from my bank on the bank wire recall attempts and wire transfers ignored by Ocwen. Ocwen has refused to release the money back to my account at XXXX XXXX XXXX XXXX. In addition I am also forwarding the XXXX bank statement showing the XXXX was never put back into my account since being resent on XXXX XXXX, XXXX per documentation from XXXX XXXX XXXX XXXX. Also, there is an official letter from my bank confirming the wire transfers and the several recall attempts. 

I would like to have something back in writing in response to this letter. I am currently sending a copy of this letter to my personal real estate law
Product: Credit reporting, credit repair services, or other personal consumer reports

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 : XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX INC Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXXXXXX Inquiry Date XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Debt collection

I was in a car accident after renting a XXXX rental car the same day I rented it on XX/XX/2019. I called the police and reported it and I called XXXX and reported it. XXXX said to wait until they sent a tow truck. After waiting a couple of hours the police on the scene told me to leave. XXXX ended up sending a tow truck from far away and leaving that car in impound accruing {$300.00} in impound fees. I am only responsible by contract for a loss damage waiver of {$310.00}. They charged me an additional " administration fee '' for {$50.00}. The tow yard invoice shows this admin fee was actually {$45.00}. They are also trying to charge me an additional {$1200.00} without explanation. They claim they are towing fees but the tow yard shows a total of {$580.00} with {$300.00} of that being XXXX 's negligence in not picking up the rental car from the impound lot for days. Additionally, their contract states that if a car is returned after 12 hours a fee of $ XXXX/day will accrue and is capped at 5 days for a total fee of no more than {$75.00}. I did as they instructed, XXXX took possession of the car with the tow, and chose to leave it in impound to accrue {$300.00} in fees. 
They have threatened to credit report me on these bogus charges. I will pay the Loss Damage Waiver I am contractually obligated for and not a penny more.
Product: Credit reporting

I noticed a Judgment and a Collection account on my credit. I disputed it with Trans Union and told the that they are confusing me with my son. Trans Union continues to report this information on my credit. I have been denied credit due to the deformation of my credit
Product: Debt or credit management

this account is a charge off and subsequently claimed as a loss on your taxes. that debt indicate the they filed a 1099-c form with now they have written off which means the debt has been canceled and is no longer legally enforeable. 

Despite this, they continued to report this account on my credit file, which constitues inaccurate and misleading reporting violation of the Fair Credit Reporting act ( FCRA ). Furthermore, I made a down payment toward this account before it was charged off. Since the Debt was canceled and reported as a loss, I request a full refund of my down payment. 

I also demand the following actions to resolve this matter : 1. remove this account from all credit reporting agencies immediately.

2. cease all collection efforts related to this account 3. issue a full refund of my down payment as the debt was discharged and is no longer valid if this issue isn't resolved within 30 days I will proceed with legal action under section 1681n of the FCRA for willing noncompliance, seeking damages up to {$1000.00} plus court costs and attorney fees. 

To avoid further escalation, please provide Written confirmation that this account has been removed from my credit file, that collection efforts have ceased and that my refund has been processed.
Product: Student loan

My personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

On top of the FERPA violation I have not been able to get in contact with ANYONE from the loan service provider with relation to anything about my loans. I have been pending a IDR plan since XX/XX/XXXX of 2024. I have sent numerous emails and numerous phone calls with no response to this issue. They have me on a standard repayment plan for {$300.00} a month payment currently and I had to defer my payment until this issue is figured out, which is their fault, and my interest has been accruing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had services completed at XXXX in XXXX  PA in XX/XX/XXXX. Due to them updating their billing system which lingered, I didn't receive a billing statement from them until mid to late XXXX. When I received my bill it was for an incorrect amount which lead to me waiting another 6 months or so to get an updated bill. I received a bill in XX/XX/XXXX or XX/XX/XXXX and paid that statement in XX/XX/XXXX. I was reported to Collection Services Center in XXXX XXXX PA due to the payment passing in the mail with the debt reporting. When I received my first collection notice in XX/XX/XXXX from CSC I called XXXX to see why I was reported when I paid. They said they'd make the collection services aware that I paid. They never did. I received another collection notice in XX/XX/XXXX which ultimately lead to a hit on my credit report even though I paid back in XXXX. I was denied a loan because of this and my credit score plummeted by 80 points. I disputed with XXXX  and they denied my claim stating the information is correct and I owe money. I called XXXX several times and CSC regarding this matter and they act like I'm in the wrong and just say 'sorry ' when I bring it to their attention. I paid in XXXX and the collection service was never notified which is what should have been done.
Product: Debt collection

Persolve , LLC has failed to provide proper verification that an account belongs to me, and furthermore it has been noticed that they are illegally charging some type of additional fees/interest to this account on a month basis. After dispute, they not only failed to prove that the account was mine but also how they can substantiate a balance that they are reporting as a higher balance by hundreds of dollars on a monthly basis.
Product: Credit reporting or other personal consumer reports

I called your department after I purchased a credit report with XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were LATE CLOSED, COLLECTION and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these late closed, charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

after disputing the following debts with Experian 4 times and XXXX and XXXX 3 times they have came back as saying verified but have shown no proof of how this debt was verified there are strict requirements how debt must be verified. The Fair Reporting Act ( FCRA ) requires the Credit Bureaus ( XXXX, Experian & XXXX ) to have PHYSICAL COPIES in THIER files of documentation to support each account being reported. NOT THE CREDITOR, THE BUREAU Under the FCRA, Credit Reporting Agencies ( Experian, XXXX & XXXX ) must provide a copy of the verifiable original creditor documentation if it is requested properly by the consumer since XXXX, XXXX & Experian can not provide proof of verification to me in the form of a physical contract document per written request to do so- the account is classified as " UNVERIFIED '' and under the FCRA- all UNVERIFIED accounts MUST BE DELETED. The FCRA reqires that all Credit Reporting Agencies or " CRA 's '' VERIFY ALL INFORMATION received from creditors BEFORE this information is added to my credit file. Proper verification According to case law the CRA/Bureau must have copies of the ORIGINAL SIGNED APPLICATION in THEIR FILES! FAIR CREDIT REPORTING ACT. by providing all of this information, there is no question that i am the one making the written request. i request that XXXX XXXX XXXX And XXXX XXXX XXXX  be removed from my credit reports.
Product: Vehicle loan or lease

I have made numerous calls to just as many people to resolve this issue. I made my regularly due car payment ... by separate mail with instructions I also made a {$1000.00} payment towards the principal. When I called to confirm receipt the CSR who took my call advised me that no payment was do and I would n't receive my next months invoice for same. When I did get the next months invoice they charged me a late fee ... and continue to do so today, They went over a month without applying the {$1000.00} as directed to the loan principal. When I ask to have the late fees reversed and proof that the {$1000.00} was applied ( I have NEVER been late in over 53 payments ) they claimed they could not ... and my fear is for my credit rating possibly being damaged because of their faulty bookkeeping procedures. I 'm also concerned, hence this complaint, that other less outspoken borrowers then me are being ripped off too ... how long has this way of doing business been going on at HMFUSA? I would caution other borrowers to check every invoice and at this point do n't try to pay in advance toward the principal.
Product: Student loan

My private student lender sends me a bill with a due date. The bill due date is also on my on-line account, where I pay my bill. I have paid by the due date with on-line payment, and the money has left my bank account, however it is not credited until a week later. I have been reported as late on my credit report, even though I paid the bill by the due date.