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

On XX/XX/2018 Transunion Credit Reporting Company intentionally locked me out of my ability to see my free credit report provided to me as part of my XXXX XXXX   member services. They have done this on multiple occasion. They then require me to call them and insisted on making me provide them My Social Security Number, Date of Birth, last three previous residences and other important and private credit  information. The first agent said I gave them incorrect information and they made me provide this same information to a supervisor. After correctly giving them the information they refused to allow me to see my credit report.
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a cobnsumer.
Product: Student loan

I have XXXX Stafford unsubsidized student loans from XXXX that originated under XXXX, XXXX of which has been passed on to College Assist and is now in collections. They claim that the loan is in default because their information says that I stopped going to school in XX/XX/XXXX or XX/XX/XXXX ( not sure ). As far as I know they are going to do the same with the XXXX loan as well. 

- I was in school continually from XXXX XXXX to XXXX XXXX, and I can provide documents to prove this - All my other student loans have either been or are now in - grace period, forbearance, or deferment - to this day - Not in any of their letters did XXXX or College Assist identify which specific loan they were referring to in terms I could correlate and distinguish from my other loans - When College Assist informed me by letter of their intentions to take legal action, the date of the letter was XXXX/XXXX/XXXX, and it said I had 10 days to contact them. When I did call XXXX/XXXX/XXXX I was informed I was too late and the loan had already gone into collections - There is a pattern of deception and disregard for my rights in their correspondence and actions - I sent them a certified letter stating this information on XXXX XXXX XXXX and requested they call the loan back from collections and allow them to be included with the others in forbearance or deferment. I never received a reply to the letter - They are now withholding income from my paycheck, which I discovered only through my employer. I was not served or allowed to defend the issue in court, nor have I had the means to do so at any time To reiterate ; part of the reason I did not react sooner to the letters from XXXX/College Assist was because never once did they identify the loan ( s ) in question with a comprehensible account #, original loan amount, or original loan date, making it beyond my capacity to know which of my XXXX loans they were referring to. My first inclination was to believe it was a scam. 

I am taking action now through CFPB because I only just discovered its existence, as I previously thought I had no resources to fight this issue. 

I believe I have a right to have both these loans in forbearance/deferment along with my other XXXX loans. Can you please advise on what action I can take? 

The loans in question : - XXXX - XXXX/XXXX/XXXX {$3000.00} original amount, XXXX XXXX XXXX XXXX, CO - XXXX - XXXX/XXXX/XXXX {$4500.00} original amount, XXXX XXXX XXXX XXXX, CO ( this is the one in being collected on ) Thank you.
Product: Debt collection

I opened a XXXX Credit Card in XXXX XXXX to purchase two items for my children. I paid the total amount in full on XXXX XXXX, XXXX of {$270.00}. In XXXX I received a statement for {$27.00}. I paid that amount in full on XXXX XXXX, XXXX and called the XXXX Customer number to make sure they closed my account. I informed them I had shredded the card and would no longer be using it and to please be sure to closeout the account. 

In XXXX of XXXX, after receiving several suspected debt collection calls, I ran my credit. Sure enough, balance owed to XXXX. I disputed it on XXXX and on XXXX XXXX received the results which came back with a status of, " updated. '' After disputing the amount with XXXX I finally received a statement from XXXX showing a balance owed of {$91.00} ( this has now gone up to {$120.00} ). These are the first statements I have received from XXXX since the {$27.00} statement in XXXX XXXX. 

On XXXX XXXX I called the number on the back of the statement ( XXXX ) which connected me to XXXX XXXX. I explained my dispute and was given a different number for XXXX XXXX ( XXXX ). I called, was put on hold multiple times and finally spoke with someone. I was told that the {$27.00} statement sent in XXXX was late fees from the previous statement of {$270.00}. When I paid the balance in full on XXXX XXXX it was considered late as it was supposed to be paid on XXXX XXXX. I agreed, however I also paid the {$27.00} late fee amount on XXXX XXXX XXXX. After making that payment I called XXXX to close the account. I was then informed by the representative on the phone that after the {$27.00} payment there was an interest fee amount of {$9.00}. I asked for further explanation as I do n't understand how I could be charged interest after paying of the late fee amount and closing the account. I was told it was charged after making the payment of {$27.00}. I inquired further as to how I was able to call, speak to a XXXX Customer Service Representative, close my account and was never told I had a balance or how I was even allowed to close the account with a balance. The representatives response was plainly, " we will not remove these late fees you must pay in full or dispute the charge. '' I never received a statement for {$9.00} from XXXX. I was allowed to close my account and was never informed of a current balance. Had i known there was a balance of {$9.00} I would have paid it. Now {$9.00} has become {$120.00} and I truly do not feel I am at fault here.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/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 XXXX XXXXXXXX XXXX XXXX 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 an account without my written instructions.
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. Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Company violated numerous times FBPA- OCGA 10-1-390, XXXX XXXX XXXX XXXX, no title or title bond for 12mos, 7 temporary license plates issued illegally, violated FDCPA by contacting the names as references that were submitted as an addendum to my application, threatening them and giving them personal information about my loan. Reported the car stolen in XXXX XXXX while the loan was active. Illegally repossessed the vehicle in XXXX XXXX. Had to get an attorney, State of Georgia Used Car Commission, XXXX County Auto Theft department involved to get the vehicle back. Filed a civil lawsuit in XXXX XXXX against the XXXX XXXX XXXX. In XXXX XXXX they illegally repossessed the vehicle again, by acting in " self help '' BEFORE judge had granted an order. Quickly sold the vehicle w/o state grace period or offer for redemption while going through court proceeding in XXXX XXXX. Posted repossession to credit with an additional XXXX more than what was owed ... did not subtract the actual sale cost received from the vehicle in XXXX. Company is fraudulent.
Product: Debt collection

freedom acceptance corp. put a lien on my XXXX account in XX/XX/XXXX. i fear they will continue to peruse debt collection from a XX/XX/XXXX debt in XXXX ca. The Bureau 's investigation also found that Freedom Stores , Inc. violated the Electronic Fund Transfer Act by failing to properly disclose the terms of preauthorized transfers, and that Military Credit Services violated the Truth in Lending Act by failing to properly disclose the terms and interest rates on the loans it offered
Product: Mortgage

I made a large payment to cover half of the year in advance. They did not distribute the money properly. They then reported a late payment to me credit. After going through the storms to get them to fix it, paying my mortgage every month has been a nightmare. Each month I call to make my payment they act very confused as thought they have no clue where the funds are. They say Im late for mt payment then realize M & T is at fault then move money around to fix it. Yet after spending 1-3hrs on the phone with them each month, they somehow have me in the same position every single month. Falsely reporting my payment late and then having me waste 1-3hrs on the phone with them to reapply the money correctly and request their credit department fix my credit. This is mentally and emotional to draining and very time consuming. I can not deal with this month in and month out for 30 years this is insane!
Product: Debt collection

On XXXX XXXX, XXXX I spoke with a agent at XXXX XXXX XXXX regarding a bill that was on my credit report. I told the agent that the XXXX bill in the amount of {$820.00} was done fraudulently and that I did not authorize anyone to use my name or social security number. I did ask the agent if she had a signed contract from XXXX on file and she stated that she did not. After going back and forth with the agent she agreed that she could not verify the account was mine. So she stated that she would send a deletion letter to each credit bureau. The account was deleted from my credit reports however 15 days later I received a letter stating that I had to contact the company back via phone or mail within 30 days asking for verification and if not they would replace the same XXXX account back unto my credit report. When I spoke with the agent on XXXX/XXXX/XXXX she stated that she could not indeed verify the account was mine and then days later they are sending out more letters asking me to ask them to verify the account again. If they could not indeed verify the account the first time, why would I send a letter or call them again for the exact same thing. I am contacting the CFPB because I do not want this account placed back unto my credit and I am having a hard time with this company and its unprofessionalism. The entire time I was on the phone with the agent I could hear others in the background laughing and at one point I heard very vulgar music playing. I 've attached a copy of the recent police report that was filed in regards to the XXXX Account.
Product: Checking or savings account

Half a month ago, my Chase account was blocked. I called customer service and they told me to close my account and never use it. I wanted customer service to inquire about the reason, but they didn't tell me. They only told me that the money in my account would be sent to me in the form of a check in ten days. However, I didn't receive the check and called customer service again to inform me that it wouldn't exceed this week at the latest, but I still haven't received the check, And customer service told me to wait and didn't give me an accurate time! I am very angry because this matter has had an impact on my life, and I need to get back my own money immediately!
Product: Prepaid card

I contacted relia card over and over and over again about my dissatisfaction with the internal policies Making a mandate of Congress ineffective with their internal policies and spending limits I warned them that this is a bad idea because nothing could stop a mandate of Congress once it's voted in especially a third party agency I contacted US bank they said they don't have anything to do with relia card even though the debit card was given to us has USYes Bank on it I told them about my confusion they said there's nothing they can do.
Product: Bank account or service

Upon receiving a weekly programmed text message of my checking account balance, I realized my account was in the negatives and when I checked my account, I realized there was a {$35.00} overdraft fee from Bank of America from a Venmo payment that was withdrawn one day prior. I called Bank of America customer service to try to resolve the issue which is where I learned that I had been charged an overdraft fee twice before and never even realized or was notified of such. The customer service representative refused to reverse the charge or try to resolve the issue and when I requested to speak to a supervisor, I was told that I should be receiving a callback in 24-48 hours. I never received a call back whatsoever and it has been almost 2 weeks after this phone call. My surrounding friends and sister whom are all customers of Bank of America had all admitted they had been charged overdraft fees for the same reason multiple times and had them reversed, so I was quite confused as to why I was rejected from a refund when the same exact thing happened to me. Awaiting the callback from the supervisor left me in a supreme negative amount in my bank account, which left me unable to use any form of payment until I had received my first paycheck from my first job.
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant 15 USC 1681B 2. They also have no permission to report ANYTHING using my information pursuant to 15 USC 1681 2. This company ( RISE ) sold the debt to XXXX XXXX XXXX and RISE PAID THIS COMPANY ( XXXX XXXX XXXX ) FOR THIS DEDT WITHOUT PERMISSION. I had no knowledge of this. I do not owe this debt to RISE OR NATIONAL CREDIT ADJUSTMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Transunion, and XXXX  The tradeline XXXX is currently reporting fraudulently with incomplete, false, inaccurate, and unverifiable data. This is after CRA 's and one furnisher stated that the account is verified accurate and complete on XX/XX/XXXX. There are still many inaccurate data on my report. I would like this deleted immediately and update CRA 's and furnisher. If furnishers are contacted, please provide name, address, phone for this reinvestigation. If documents or data used to determine your review, please share. Basically I would like the procedures of reinvestigation for my file disclosure that pertains to me. 

1. account name : XXXX XXXX wrong : Its XXXX XXXX see attached 2. date opened : XXXX wrong : Its XX/XX/XXXX - see attached 3. The balance - XXXX : There should be no balance if original creditor transfer it. 
4. Payment is info is reporting wrong from XX/XX/XXXX to XX/XX/XXXX ( increments from XXXX to XXXX to XXXX to XXXX ) 5. status date of XX/XX/XXXX is wrong. there should be no activity after closing date of XX/XX/XXXX. 
6. i sold the house and pay off the mortgage in XXXX XXXX see attached.
Product: Mortgage

In XXXX 2017, I receiver a letter informing me that my taxes had not been paid. I called and reported that I would pay my taxes as I always did, understanding that there was a fee added each month, but I did not want an escrow account. I paid county, city and school taxed but the money was refunded because Chase had paid the taxes. I contacted Chase and asked if I could reimburse them and not have an escrow  account. and they denied my request.
Product: Debt collection

I was mailed a letter in the mail 2 years ago letting me know about a debt with a mini storage that I've never rented a storage from. I've been to that mini storage 1 time to inquire about renting a storage but the prices were not within my budget so I left never signed a contract for one. I lost my wallet XXXX of XXXX at a friend 's house. I canceled all my cards after this happened but my ID and social was in the wallet. When I became aware of this situation with the storage company I contacted the collectors they sold the debt to only to be told they have my signature and had to phone hang up on me. I've never heard from these collectors since then but they keep reporting this debt on my credit report. I've never had a late payment on any of my credit cards or loans. This debt is harming my credit dramatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that I am the author of this complaint and all attachments.

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX  automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - Date : XX/XX/year>
Product: Vehicle loan or lease

I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2018, XX/XX/2018 for my Wellsfargodealers account.
Product: Money transfer, virtual currency, or money service

On XX/XX/19, I saw a posting on XXXX for tickets. I've purchased tickets through XXXX a million times so I was not too concerned. I sent money through my Chase app for {$90.00} and received only silence. 

I had no idea that my bank would not cover something they endorsed and provided through their sanctioned online application. 

I did not receive my tickets and the bank refused to refute the transaction or give me my money back. I made two calls to Chase explaining the situation. They said there are no consumer protections. I called XXXX. XXXX could see the account but also that there was no way to stop the transaction. 

The companies involved are XXXX and Chase, through the Chase app.
Product: Credit card

I am writing to express my concerns and seek your assistance regarding a recent dispute with regard to a charge on my Discover Credit Card for a coaching program purchased from XXXX XXXX. 

On XX/XX/2023, I enrolled in a coaching program offered by XXXX XXXX with the expectation of receiving valuable guidance and support to help my business achieve a sales target of {$30000.00}, as stated in their program 's terms and conditions. However, upon completing the coaching program, I found that the promised value was not delivered as agreed upon. 

Throughout the duration of the program, I diligently followed the guidance provided by XXXX XXXX, but despite my efforts, I did not experience the progress or results they assured me I would achieve. As the program concluded after four months, rather than fulfilling their commitment to work with me until I reached the sales goal, XXXX XXXX attempted to persuade me to enroll in another program instead. 

I am currently faced with a situation where I have paid a significant sum of {$8000.00} for a coaching program that did not provide the intended benefits or uphold the assurances made at the outset. Out of the total amount, {$5500.00} was charged to my Discover Credit Card. In light of these circumstances, I initiated a dispute for the charge in question. Discover sided with the merchant. Even though I did not get the intended value from the service they are saying in the contractual agreement there are no refunds. I believe my dispute is valid and grounded in the fact that the service provided by XXXX  XXXX did not align with the terms they initially presented, leading to a breach of contract on their part.