23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX in Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX account number : XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX Account name XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX 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: Checking or savings account

So I went to purchase a phone from someone in person, I sent them a payment through XXXX and the returned the payment because they wanted me to pay them in cash apparently, so I did just that. After paying them in cash, a few days later the XXXX they refunded me was taken out my account in form of an XXXX, but I didn't know the transaction was still going through because I thought she refunded it but apparently I was wrong, and so I asked XXXX to reverse the transaction and they told me they weren't able to and only my bank would be able to and so I asked my bank and they gave me the same response and to ask XXXX and they sent me back and forth literally XXXX times just for neither of them to be able to get my money back and for the lady to continue to say she didn't receive no money even though XXXX is saying she did.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Identity Theft Dispute Violation of FCRA 1681c-2 & 1681s-2 I am filing a formal complaint against TransUnion regarding fraudulent accounts and inquiries appearing on my credit report due to identity theft. Despite my previous disputes and the submission of supporting documentation under FCRA 1681c-2, these items remain on my report.

Legal Violations & Request for Immediate Deletion 1. Failure to Block Fraudulent Accounts ( FCRA 1681c-2 ) TransUnion is legally required to block fraudulent accounts within 4 business days of receiving an FTC Identity Theft Report. However, the accounts listed below have not been removed.

2. Failure to Conduct a Proper Investigation ( FCRA 1681s-2 ) TransUnion is obligated under federal law to conduct a reasonable investigation regarding disputes. The continued presence of fraudulent accounts indicates non-compliance.

Fraudulent Accounts on TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries on TransUnion 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

A company I have not done business with entered 3 derogatory entries on my XXXX. 2 non payments, 1 XXXX and 1 XXXX. 1 Charge off alert. 
As previously stated to you and them, my account is in good standing with XXXX XXXX. Trans World has sent me an invoice with an address error and an insurance error. 
I immediately responded with the correct information regarding my address, insurance information and left a voicemail for their designated representative XXXX XXXX. 

Multiple instances of negative credit reporting are uncalled for in any condition. For one instance of Vendor XXXX error Trans World Systems submitted 3 reports indicating that I am not paying a medical provider for an invoice that I wasn't aware of.
Product: Credit reporting or other personal consumer reports

I've filed a complaint on the on going inquires that's on my XXXX report and haven't gotten them removed. i also filed a FTC report and haven't gotten a response from XXXX yet i wish to have this matter resolved in prompt fashion due to it hindering my Credit Report Score.
Product: Mortgage

This has been an ongoing issue with XXXX. I am on a bi-weekly payment plan and they take my mortgage payment and apply it to additional principal and they take my extra payments I make and apply them to my loan. This is a sporadic problem with them. I have reached out to them on numerous occasions and my last few attempts to have them call me have gone unheeded. I have exhausted everything I can do even emailing their CEO who has never responded or had anyone in their office respond. Have left messages to have this issue escalated up the ladder and still no calls to me. I feel as though I am paying more interest because of their practices then I should be paying. The last person I spoke with ( XXXX XXXX told me the problem is because I have a bi-weekly payment plan with them. I feel this is absurd as if this was the case it would be happening all the time and not sporadically in which XXXX had no response. I feel you should look into XXXX and see if this is happening to everyone with bi-weekly payment schedules.
Product: Payday loan, title loan, or personal loan

Never received the gap insurance refund
Product: Debt collection

I received a letter from GC Services Limited Partnership about student loan debt I owed. I called them the week before XXXX, XX/XX/2017. I provided my financial information over the phone to them to get me qualified for a rehabilitation program. I was provided a payment amount and made my first payment that day. I waited for the paperwork to come, signed it and sent it back. A few weeks later I was called and told that I owed a much higher payment amount and needed to make that. So I agreed, made that payment, waited for paper work, signed it and returned. This continued on every month since. I get a phone call advising my payment is again much higher than previously stated, no one can give me a reason why and I just have to make the payment or I will have my wages garnished. I've tried working them for over 3 months now to get this plan started so I can improve my credit and get this behind me but they continue to have problems on their end that I end up suffering for. No one will give me any credit for the already {$800.00} I've paid them. The program works so you make a monthly payment for 9 consecutive months and then you're student loan debt is put back in good standing and you can apply with a different servicer to lower your payment. So after 3 months and {$800.00} they refuse to give me credit for those payments at no fault of my own, which they even admitted on the phone!!!! I can't deal with this company. They should not be in the debt collection business and I feel like I was just scammed from them. Can someone please contact me to help get this company out of business so this does not continue to other borrowers who just want to improve their credit scores.
Product: Credit card or prepaid card

I have not used my Alliant cashback signature Visa in months. I received no notice of the occurrence of an annually fee. Upon learning of the fee I sought to cancel the card and obtain a refund and was denied.
Product: Credit reporting or other personal consumer reports

Ive noticed unauthorized credit checks on my report. Kindly correct these inaccuracies.
Product: Debt collection

At XXXX CST on XXXX XX/XX/XXXX I was contacted on my cellphone by NCS. After verifying my name, the agent did not identify herself nor her agency, openly announced my current address, and then asked my DOB. At that time, I asked who the agent was with and what this was regarding, and she identified her agency, which was NCS. I asked her if it was illegal for her to proceed without identifying herself, and she told me it was in fact illegal for her to identify herself before verifying my DOB. I then verified my DOB and asked permission to continue recording, to which I consented. She then went on a script that this was an attempt to collect a debt ( I know that they are contracted to service my student loan - which is protected from collection efforts until the CARES Act expires XXXX XX/XX/XXXX ). She then went on to read more about the Cares Act and it expiring in XXXX of next year. As I was unable to understand her due to fast pace and mumbling, I asked her to clarify. She in no way clarified, but simply repeated herself in a way that I almost understood as Rehabilitation of my student loan that is currently in default. She then provided me with an incorrect amount due of {$11.00}, xxx. Due to the zero interest for the better part of XXXX, regularly checking my credit report, and an effortless check of my current balance at XXXX I was knew that my balance due is {$9700.00}. At this time I made efforts to end the call, as trying to collect an incorrect balance is a direct violation of my rights. She then got agitated and said something under her breath, which was the moment I terminated the call. This agency makes practice of not identifying themselves and has done so on every occasion that they have called me from the time that they acquired my account in late XXXX. They have also provided incorrect information in XX/XX/XXXX, on a call to the same number, stating the only way that I can get my loan out of default would to be to pay it off completely. Considering they called 9 months later offering to rehabilitate that same loan, Im going to go ahead and say that their collection efforts are not only abusive but illegal and a violation of rights. I will be filling this complaint and multiple disputes on federal, state, and credit bureau platforms. The American people deserve better than what this company is providing on a tax dollar paid government contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX appeared as a hard inquiry on my credit report and I tried calling to get it removed and no steps on to trying to help me with the incident. I applied for XXXX XXXX but not XXXX  XXXX.
Product: Mortgage

I have discussed the situation where I am trying to pay extra to apply to the principal each month. I was told by more than one person that my payments where to be applied to the principal but have only been applied to interest. The auto payments do not allow extra payments also. It seems purposeful to me and after had experienced several phone calls including one where they submitted the payment I do not think this situation will be resolved. It seems like a scam to me to get me to pay more on my mortgage.
Product: Debt collection

I was renting at XXXX XXXX XXXX # XXXX. On XX/XX/XXXX I accidentally made 2 payments for the rent. I contacted the management. They told me for the next month, I don't have to pay for rent since I already paid twice in XXXX. The apartment is not a good cleaning environment so we decided to move out in XX/XX/XXXX. After we left, the management asking us to pay for the XXXX rent. We refused to pay and we showed them our bank statement that we paid extra. 

I have attached my bank statement for XX/XX/XXXX. You will see XXXX transaction for {$1800.00} to XXXX apartment.
Product: Prepaid card

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX XXXX and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was reported to the credit in XXXX of 2014 for being late by Kohl's/CAPONE, I was not late with my payment. There system would not let me make my payment and  made a complaint about it. My late charges was removed and I was told I would not have it show on my credit report. Well they still reported it. for years I've been filling complaints, writing letters, calling and ects. and dispute on this matter and is getting fed up. I still have my account with this company and still hold this account in good standards with no late payments. This matter is damaging to my credit report and credit score. 
This is getting frustrating ... 
Please Help i am unable to submit any upload since I am using a public computer.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The XXXX didn't perform the services that he was paid for by Citi Master Card. After we put the payment on dispute, he provided us a Release Letter stater that he wouldn't contest the dispute. However the Citi instead of contacting the merchant and having confirmed that crevice was never performed returned the money to the merchant and put a charge back on our account. Nobody in the Customer Service has any qualifications to answer why they did it after I spent hours on the phone with them.
Product: Checking or savings account

On XXXX of XXXX a fraudulent transaction of {$1500.00} XXXX from my wells Fargo checking account using my debit card. I did not make that purchase.
Product: Credit card

Chase credit card and XXXX gave me a {$500.00} credit limit and then charged me more than the {$500.00} for fees and subscriptions
Product: Vehicle loan or lease

My husband and I were in the market for a new vehicle. We decided to go to our local dealership XXXX XXXX. The loan was secured by XXXX XXXX. We decided that we wanted to obtain the loan in both of our names in order to rebuild my husbands credit. We were told only by a miracle they were able to add my husband to the loan but the tier would go up causing the payment to go up as well. We agreed to the terms and moved forward with the lease. XXXX 2017 we were going to trade his car in and went back XXXX XXXX to secure a loan. My husband andd I again wanted the loan in both of our names. We were made aware that my husbands credit was not good enough to do that and that he was never added to the previous loan. When we inquired about it we were told that it was not the dealerships issue and that was the fault of XXXX XXXX. However our payment was increased for no reason for those 2.5 years. They then offered that for the current lease that he could be added for an additional fee. We agreed again. Additionally we never received our loan paperwork nor our manual. When I called XXXX XXXX on another issue, I was advised by the lease termination manager, that my husband was on the original loan and that it was just not reporting to the credit bureaus and then placed a request for this to report. So now my issues are the inconsistencies. I am concerned that I have or are currently overpaying on my loan. Additionally how much have we overpaid in obtaining new credit due to the incorrect credit score? This my 4th car with XXXX XXXX and I am concerned that I am being taken advantage of. This has caused material damage and is unfair.
Product: Credit reporting or other personal consumer reports

I received XXXX consumer reports from Equifax on XXXX different dates stating the disputed item is no longer reporting on my credit file. When I look at my credit monitoring, the acct is still showing on my credit file.
Product: Debt collection

I have contacted this company several different times and have asked for the original contract with my original signature on it, I have yet to receive any of this and it's been well over 30 days.This is an invalid account with inaccurate information in it and I demand this be removed from my credit report.Its ruining my credit score that I've worked hard to build.
Product: Credit reporting or other personal consumer reports

Dear CFPB, XXXX XXXX XXXX XXXX  It is my understanding that under the Fair Credit Reporting Act, a credit reporting agency has thirty days to investigate my disputes. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification I have sent letters to ( EQUIFAX ) regarding inaccurate information in my credit file. They have failed in investigate and verify my disputes and the inaccurate information remains in my credit file. Now I would like to file my CFPB complaint formally. Again, I am requesting a re-investigation and verify that all the data for this alleged account is 100 % accurately reporting correctly including every notation, dates, and balances, whether they are currently reported or not. The report presented by EQUIFAX presents several inscorrect information 1 THE DATE OPENED : Is incorrect 2 THE DATE CLOSED : Is incorrect 3 LAST PAYMENT : Is incorrect I 4 DATE OF LAST ACTIVITY : Is incorrect 5 THIS ACCOUNT IS VERY OLD AND HAS ALREADY BEEN DELETED BY THE OTHER BUREAUS, include credit report from XXXX XXXX  and EQUIFAX where the different can be seen.
Product: Credit card

I am filing this complaint against TD Bank/Target due to their refusal to delete a fraudulent credit card account from my credit report. On XX/XX/22, a Target credit card with a balance of {$310.00} was fraudulently opened under my name after fraudsters gained access to my personal information and rerouted my mail. I have provided the credit bureaus with a police report, FTC report, and additional documentation, yet TD Bank/Target still refuses to delete the account. I have consulted with XXXX XXXX, XXXX, who is prepared to take my case if necessary. I am not liable for this account, and I demand its immediate deletion from my credit reports.
Product: Credit card or prepaid card

I received a {$50.00} Vanilla VISA gift card last XX/XX/XXXX. I made sure the balance was there and put the card in my wallet. However, when I tried to use it on XX/XX/2019 it got rejected. I called customer service number at XXXX, logged a case number XXXX and then emailed pictures of the card and my ID as they requested. Today, I called them asking for an update but they asked for receipt. This is a gift card means I received it as a gift. They then claimed the card was never activated. A lie after another.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint about Trans Union and XXXX  Credit Bureaus. I submitted a dispute letter to them containing blatant inaccuracies dated XX/XX/2021 and they are not complying with their own policies nor are they complying with the FCRA in a timely manner.
Product: Credit reporting

Reported yes. Final response, no. Even though XXXX and XXXX XXXX have me reported normally, Equifax has my information combined with another person. When I called them on this they were not willing to help rather told me I was at fault for not checking in with them XXXX a year. In the end, their only solution was that I " register '' with them and have my credit re-reported to them. In addition, they have put it on me to contact the other party to make sure they contact Equifax to verify their credit information. 
Needless to say, it has been more than a headache.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry is showing on my Experian Credit Report. I reached out to the business who stated they can not remove this inquiry and that I should contact Experian directly to remove.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AZ  XXXX
Product: Checking or savings account

I was trying to make a purchase on a mobile app through XXXX XXXX, and since I actually had a successful transaction of XXXX dollars before, on XX/XX/year>, I figured there wouldn't be any issues. Well suddenly, after attempting to make a XXXX dollar purchase with XXXX dollars in my account on XX/XX/year> and XX/XX/year>, it was declined. It was declined over 8 times in fact, and on top of that they charged me a {$0.00} declined card fee for every time It declined, even though I had the available funds AND made a successful purchase through the same platform before. I told them that it was me making the purchases, and asked them to refund me bc I had the funds and my card should not have been declining. They refuse to refund me, refuse to allow my card to make XXXXXXXX XXXX purchases even today, and refuse to give me a proper explanation as to why in those specific circumstances my card was declining despite having the funds. Instead they give me run around responses that don't answer my question, causing me to submit a new complaint everytime because they don't even have a customer service line to call. I want them held accountable for theft and refusing to attend to a customer 's legitimate complaints.
Product: Credit reporting or other personal consumer reports

It reporting on my credit profiles that i had a late payment in XX/XX/XXXX. I did not have any late payments past 30 days. this is negatively affecting my credit score. 
Account Type : Individual Auto Account Status : Current Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Scheduled Payment : {$820.00} Terms : 72 Balance : {$33000.00} Last Payment : {$820.00} on XX/XX/XXXX High Balance : {$42000.00}
Product: Debt or credit management

tittle 45 del C.F.R., 160 ,164 106.34 Notice for debt validation EDFINACIAL  XX/XX/XXXX XXXX XX/XX/XXXX They are violating my rights under the 8th amendment of the United States of America, Violation of privacy law