23daVinci/CFPB_Complaints huggingface dataset:
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 15 USC 1681. 

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 XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I am a Sam 's Club  XXXX XXXX XXXX holder. The card is issued by Synchrony. The company sent me multiple emails informing me of a special limited-time offer. The offer goes like this. Synchrony will award me {$10.00} if I make a purchase on insurance, gym membership, Internet, utilities, cellphones & landlines, and streaming services between XX/XX/XXXX and XX/XX/XXXX, AND a second consecutive bill the following month. I can earn up to {$50.00} in total. 

I did all of that. I made - Two payments to XXXX on XXXX and XXXX. 
- Two payments to XXXX XXXX XXXX XXXX on XXXX and XXXX - Two payments to XXXX on XXXX and XXXX - Two payments to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX - Two payments to XXXXXXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

After two months, I had not received any rewards as promised. So I called the company on XX/XX/XXXX to complain and ask for what I was owed. The customer agent did not know anything about this campaign and tried rushing me away. After that, I filed a complain to the XXXX XXXX XXXX XXXXXXXX. They sent me today a note saying that they deposited a {$10.00} credit to my account. I do not believe that is enough. I should have got {$50.00}. 

I could not contact them in anyway. I could not email them. I could not send them a message. What's the point of calling if the agents don't know anything?
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander USA failure to accept Federal Truth In Lending Act Striking a balance : when to extend the right to rescind under three years which occurred between Santander USA and me. The the XXXXXXXX XXXX XXXX XXXX tow my car for a ticket. Was been forced to paid {$3500.00} with legal reasons. I informed Santander USA. We both agreed that they would get the ticket paid for at {$350.00} and agreed to renegotiated contract attached voided the original car note as a provision. 

That contract was executed and Santander USA reporting deragotory information on my credit up to date. They have the car and was released of all debts with proof attached.
Product: Student loan

I consolidated my federal loans on XX/XX/XXXX. I also applied for this consolidated loan to be under SAVE on XX/XX/XXXX. The loans have been placed with MOHELA, and the XXXX application has been on hold since the injunction. XXXX guidelines read : " If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward PSLF or IDR until their application is processed. Interest will not accrue in this general forbearance. '' ( source : https : //studentaid.gov/announcements-events/save-court-actions ) The loan disbursement date to MOHELA is XX/XX/XXXX. MOHELA sent a letter on XX/XX/XXXX, stating that I am eligible for the forbearance with 0 % interest. However, MOHELA has not made any adjustments to my loan to date and interest continues to grow. 

My loans should have been converted general forbearance and 0 % interest starting XX/XX/XXXX. On XX/XX/XXXX my interest accrued was {$1500.00}. Today, XX/XX/XXXX it has gone up to {$5600.00}. 

I have called MOHELA numerous times and the representative say they have no instructions on how to set my loan to 0 % interest. I have messaged MOHELA 3 separate times through their inbox portal, and none of the responses take accountability for this issue or suggest a course of action. I have submitted a complaint through XXXX that has not generated a response from MOHELA.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed with the bureaus on XX/XX/2022, and XX/XX/2022 but they did not remove the items below. 

Sec. 602 FCRA States " I Have A Right To Privacy 'XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1200.00}
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 accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My husband and I have become victims of fraud ( withdraws from our checking account not authorized by us ) and are looking to find out how we can get our money back. We were looking through our business account few months ago, and discovered fraudulent charges on our account using my husband 's debit card for purchases on XXXX. At first, the charges started out small at {$9.00} every couple days. Then they started charging in {$99.00} increments several times on the same day. One day there were XXXX charges for over {$450.00} and XXXX XXXX dollars within just a XXXX of days. We started adding each fraudulent transaction ( which began in XX/XX/2014 ) on every month 's bank statement and the total was shocking to say the least. It was over {$8100.00}. We called the bank and they refused to do anything saying we should have checked our statements more often. They said XXXX limits liability to XXXX days since the fraud began. We called XXXX and they advised us to call the bank and demand the return of our money since they were the ones who authorized the transactions in the first place. The bank says to call XXXX because they 're the ones who had the card registered in out XXXX account. Basically, after spending hours on the phone with both entities, we were getting the runaround and got no where. We realize time is of the essence here so we need your help asap! We googled XXXX debit card fraud online, and the number of people this has happened to was astonishing!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023
Product: Debt collection

I have installed a landline in my home and a variety of debt collectors continue to call the number. I have blocked many of them, however they continue to change phone numbers to continue calling. I have attempted to talk to an operator to tell them the person who owns them must have changed phone numbers however the line disconnects each and every time i attempt this.
Product: Debt collection

This was not my debt. I was listed as an authorized user on the account. I would like it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted more than  10 time s thru the last year to get my credit reports from all  XXXX  credit agencies aND everytime I 'm told there is n't enough information to verify I am who I am. I 've gotten a report many other years with the same information so i feel I 'm being denied my reports wrongfully. The only thing that 's changed within the last year is a new adress. I 've lived here a year though. Get  S.S.I disability at this adress, goverment assistance at this adress, pay bills in my name at this adress,  ext ext so there is NO way they ca n't have this adress. I 've even filed a complaint directly with annual credit reporto but never received a response. I 'm trying to build credit to buy a house yet have been  XXXX  walled for a year. I bet if I PAYED for a report my information would be enough Then. I feel they are breaking the law. Is there some lawsuit I can file about discrimination against people with disabilitys. I am at a loss to what to do to get my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX overdraft line. Recently I received a report from the credit bureaus that XXXX XXXX reported me late to the credit bureaus. When I login to the XXXX Bank online banking platform, the bank is clearly communicating there is NO balance due ( See attached screenshot ). It was only because of my son, however, that we were able to figure out that if I click " Pay Now '' ( again, the balance and everything on that page gave no indication a balance was due ) I could then see that there was an absolutely minuscule {$6.00} balance of interest that had to be paid. No mail was sent to me alerting me of this past due balance, either by paper mail, email or phone call. The only attempt that I saw come through was lodged in my spam folder from a XXXX XXXX on the XXXX day of being late. Here is the message : " XXXX XXXX, I hoping to speak with you. Could you please call me back at XXXX or at the XXXX XXXX XXXX? Thank you. '' This message does not convey any urgency, nor does it say I should contact XXXX XXXX to avoid any negative credit reporting. It could be a marketing request for all I know.
Product: Money transfer, virtual currency, or money service

My wife 's employer wanted to send her {$1000.00} dollars while she stayed home during the coronavirus. I had my wife tell him about Venmo, which I had used to send a music teacher {$60.00} twice with no problem. On XX/XX/2020 at XXXX XXXX I got the first email from Venmo ( attachment {$1.00} ) saying my sender had sent me {$1.00}. 

I clicked to accept the {$1.00}. 

At XXXX XXXX   the same day XX/XX/XXXX I got the next email from Venmo ( attachment {$1000.00} ) : I clicked to accept payment. 

Note that the Subject line says the sender " paid you '' not " is thinking about paying you '' or " would like to pay you '' -- no. " Paid you. '' So I click to accept payment and lo and behold the {$1.00} is in my Venmo account, but the {$1000.00} isn't. I wait a day or two, try several more times and finally complain on their website. 

I receive this response : " Hi XXXX, XXXX from Venmo here and I'd be happy to take a look into that for you! 

I am not able to locate this payment and can confirm it was not successfully sent to your account. I would recommend contacting your friend to have them re-send the payment or have your friend reach out to us directly. 

Similarly, you can send them a charge request and give them a heads up that you never received the funds. If they are able to successfully accept the charge request, the funds will be put right onto your Venmo account. 

For more information about how to pay or charge a Venmo user, we recommend checking out this article : XXXX XXXX XXXX  '' I do not want to contact my " friend '' who I have never met, I don't want to reveal to him that I have invited him to entrust his banking information to people who seem to have misplaced his {$1000.00}. This is highly unprofessional on Venmo 's part. I'm supposed to go looking for the money? I'm supposed to ask the sender to " resend the payment ''? He will rightfully fear that he will be double billed. 

As I told Venmo, they are " incompetent AT BEST. '' Please help.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding XXXXXXXX XXXX  XXXX Failure to Investigate Fraudulent Accounts and Reporting of Inaccurate Information Dear Sir/Madam, I am writing to file a formal complaint against XXXXXXXX XXXX  XXXX for their failure to properly investigate fraudulent accounts attributed to my name and their continued reporting of inaccurate information to credit reporting agencies. 

The fraudulent accounts in question are as follows : Account XXXX ; Amount/Value : {$5400.00} The details of my complaint are as follows : These accounts are not mine, and I have no knowledge of their origin. Despite this, they have been reported as closed or charged-off with balances, causing severe harm to my credit report. 

To address this matter, I provided XXXX XXXX  XXXX with all necessary documentation to prove my identity and substantiate the fraud claim, including my FTC Identity Theft Report, a police report, and an affidavit of identity. 

I was informed that the issue was being handled by their legal department ; however, no meaningful investigation has been conducted, and the fraudulent accounts remain unresolved. 

This ongoing inaction is a violation of the Fair Credit Reporting Act ( FCRA ) and has caused me considerable financial and emotional distress. 

I am requesting the CFPB 's assistance to ensure that XXXXXXXX XXXX  : Thoroughly investigates these fraudulent accounts. 

Removes the inaccurate information from my credit reports. 

Resolves this matter promptly and prevents any future harm to my creditworthiness. 

Enclosed with this letter are copies of all supporting documents, including : FTC Identity Theft Report Police Report Affidavit of Identity Correspondence with XXXX XXXX Thank you for your attention to this matter. Please do not hesitate to contact me if additional information is required. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an un-authorized inquiry on my credit report with Equifax from XXXX XXXX XXXX. I did NOT give XXXX XXXX XXXX permission, thus allowing a hard inquiry to reflect on my credit file. I was not made aware, nor were there instructions letting the consumer know that they would be pulling my credit report. What I did was, I added overdraft protection to my personal banking account. No where on their website did it say that they would have to run my credit just for me putting overdraft protection on my personal account. I had no knowledge that they were pulling my credit nor did they have my permission. I am requesting that this un-authorized inquiry of XXXX XXXX XXXX be removed off of my personal credit file with Equifax, and XXXX.
Product: Credit reporting or other personal consumer reports

Capital one Gave XXXX XXXX XXXX, XXXX, XXXX, and XXXX my personal information without my consent to non affiliates, a direct violation of my privacy, because they gave my information to third party companies 15 USC 1681b page USC 6801-680I.Indirect Violation of Privacy Act of 1974
Product: Credit card or prepaid card

I used a 0 % promo check to transfer a balance from a XXXX XXXX over to my JetBlue card by Barclays. When I received the new statement with the transferred balance, the interest rate was 24 % and a transaction fee. I was aware of the fee but not the rate. I continue to receive 0 % checks from JetBlue/Barclays almost every month, so I would like that promo applied to my balance.
Product: Debt collection

I was contacted by Hillcrest-Davidson about a prior accountant that I had with XXXX XXXX XXXX. The previous contracted had been fulfilled and I was no longer paying XXXX. I was never sent any communications from XXXX about any kind of auto renewal, which the representative at Hillcrest repeatedly keep referring to as she was talking over me and never letting me get a word in to explain. I was contacted again by a second rep after advising the previous to never call me again that the debt was fulfilled and paid. The second rep began to badger me from the very beginning of the conversation. They called me on a phone number that was never given to XXXX as a contact number. It was a mobile phone that I use strictly for business. When asked how they got the number I was told that " it does n't matter how we find you. You need to learn to pay your bills ''. At this point I was extremely upset to be disrespected and badgered. I gave the representative a very good piece of mind and immediately hung up. I believe these tactics are not condoned by the FCRA. I request that you have this company delete their presence from my credit bureau and correct my reporting and score. My credit was very great until these predators came along. I was also never given any written verification of the contract with the auto renewal or any correspondence from either company. I was called out of the blue. I still have not received any written verification of any debt owed.
Product: Checking or savings account

On XX/XX/XXXX, after fraudulent transactions on my Chime account were finally done pending ( waited at Chimes request, I reported them immediately ) I filed a dispute on XXXX transactions that were made without my permission. They totaled {$2900.00}. I disputed them on a Friday. The very next day on XX/XX/XXXX, a Saturday, they had already investigated enough on a weekend day to say my dispute would be denied. I requested a full reason as to what investigation was done and why they had come to this conclusion. I was told someone would reach out but still have heard nothing from them. 

All XXXX transactions were from XX/XX/XXXX, starting at XXXX XXXX  and ending at XXXX. After not even XXXX hours on a weekend they claimed a sufficient investigation was done and I have been stonewalled by them ever since. I will be contacting local media XXXX XXXX XXXX News for theyre On your side segment XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX at XXXX AM {$100.00XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX A XX/XX/XXXX at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX AM {$50.00} Denied
Product: Debt collection

On XX/XX/XXXX, I sent a certified letters to National Credit Systems , Inc asking them for debt validation of the account as I never received any bills prior to the debt hitting my credit report. The alleged debt is a sum of {$2900.00}. I received a letter back on XX/XX/XXXX stating they had attached verification of the debt they obtained from the service provider. The document provided included two full pages asking for payment but no details of the alleged account. Under the FCRA 15 U.S.C. Section 1681i any unverified accounts must be deleted promptly, they where not able to provide me with the proof or validation of debt.
Product: Student loan

I was paying back my student loans through Aidvantage. I paid off XXXX separate direct subsidized loan in full. A few weeks later I returned to the website to pay off additional loans. I saw that XXXX loan 's balance was now {$0.00} and assumed that the second loan was processed as well. 

I have then paid off XXXX more loans, but apparently I paid off XXXX loan and overpaid the original loan which did not show as processed on the website. The overpayment was {$4200.00}. 

I have then reached out to Aidvantage via phone and was told that the funds were going to get automatically refunded within 14 days ( this was the first lie ). After 14 days, I called again and was then told that the amount was too large to refund and they will need to submit an approval to their XXXX. This process was going to take XXXX weeks. 

It has now been over XXXX weeks and I called for the XXXX time. This time I was told that the approval was never submitted or processed. The representative then admitted that this was overlooked on their end. She has then submitted the approval to the XXXX again and claimed that this time for sure it will get processed, but I have to wait at least XXXX weeks because the holidays are coming.