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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Credit card or prepaid card

I fell hook line and sinker for a gift card scam. I received an email that was supposedly from XXXX. I didn't call the number in the email but went directly to my XXXX account and the notice was there and I called the number thinking it was for XXXX. I really missed all the red flags, they supposedly credited my bank account but it was for {$5000.00} instead of the {$500.00}. I was directed to get gift cards which I stupidly did. The money was gone from the gift cards and I've contacted my credit cards to see what I can do. The gift cards were, Target, XXXX, XXXX and XXXX XXXX. These were {$500.00} gift card. The XXXX XXXX card was bought at XXXX XXXX and the XXXX cards from XXXX 's.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number XXXX XX/XX/XXXXXXXX  TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Unauthorized Disclosure of Personal Information and Violation of Privacy Rights Dear TransUnion Consumer Relations I am writing to bring to your attention a matter concerning the unauthorized disclosure of my personal information, which I believe constitutes a violation of the Privacy Acts No Disclosure without Consent Rule outlined in 5 U.S.C. 552a ( b ). I have recently obtained a credit report from your agency, and I discovered that certain details related to my child support account with the XXXX XXXX DA have been shared without my prior written consent. 

The specific information disclosed without my consent includes : Account Name : XXXX XXXX DA Account Number : XXXXXXXX  Account Type : Child Support Responsibility : Individual Date Opened : XX/XX/XXXXXXXX  Status : Open. {$40000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$40000.00} Balance Updated : XX/XX/XXXXXXXX  Recent Payment : - Monthly Payment : {$660.00} Original Balance : - Highest Balance : - Terms : 1 Month Source : XXXX I would like to emphasize that, according to the Privacy Act, federal agencies are generally prohibited from disclosing personal information without the written consent of the individual. This disclosure, as detailed above, includes information about my child support account and its financial status, and I have not provided any prior written consent for such disclosure. 

I kindly request that TransUnion thoroughly investigate this matter, correct any inaccuracies resulting from the unauthorized disclosure, and take appropriate measures to remove the child support account from my credit report and prevent such incidents in the future. I am also open to providing any additional information or documentation to support the resolution of this matter promptly. 

I appreciate your prompt attention to this issue and look forward to a timely resolution. Please feel free to contact me at XXXX is my phone number or XXXX is my email address to discuss this matter further. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Under 15 U.S.C 1681i ( 7 ) method of verification, this account is in violation ; it was reported without valid evidence. I have no knowledge of this account.
Product: Checking or savings account

My bank is charging overdraft fees erronously and instead of fixing the problem they are sending me back to the branch. 

I initially had an overdrawn account but went into the branch and made a deposit to bring my account positive. I have included the reciept that shows I had a positive account, later that night i get a email saying i have overdraft fees. When I call to address the fees XXXX the supervisor directs me to go back to the branch to rectify the problem. 

Overdrawn -XXXX made deposit of {$460.00} in branch made 2 additional deposits of {$20.00} each Bringing balance to {$27.00} then around XXXX i recieve notice of overdraft and nobody can explain how.
Product: Mortgage

I was laid-off and unemployed so applied for Special Forbearance for an unemployed homeowner to XXXX XXXX XXXX which was my mortgage company. XXXX XXXX XXXX was giving the runaround so I asked for Mediation as I lived in Maryland. Just before the mediation XXXX XXXX XXXX sold my loan to Carrington Mortgage services. 

I had the mediation with Carrington Mortgage Services and during the mediation, I asked for 1 ) Short Sales which was what XXXX XXXX XXXX offered me before they sold the loan or 2 ) A deed in lieu to avoid Foreclosure proceedings. Carrington Mortgage stated that because they just bought the loan and that I am still unemployed they will let me apply for a loan modification with them first and that if that does not work out, then they will offer me either the Short Sales or A deed in lieu. 

I put in the application in XX/XX/XXXX and they came back in XX/XX/XXXX for pay stubs. I reminded Carrington Mortgage Rep that I informed them at the mediation that I was unemployed and looking for a job and they asked me to apply for modification before they can tell me whether to do Short Sales or A deed in lieu. Carrington Mortgage then asked me to put into writing that I was still unemployed which I did through XXXX XXXX XXXX person who was helping out. They came back again that I was missing a document which I then uploaded to them on their site. 

I have not heard anything from Carrington Mortgage so on XX/XX/XXXX I called them to check on my application and I was told that they canceled my application and that I have to re-apply because supposedly they were missing some documents from them. Informed them that the last document they asked for I uploaded on their site. I then asked them what document I am supposedly missing but Carrington Mortgage could not tell me the specific document I am supposedly missing. Carrington Mortgage Rep then informed me that she was going to send me the applications and that I will receive them in a weeks time. I waited about a week without receiving the documents so I called them and I was told I should be receiving documents soon. I called them again on XX/XX/XXXX and I was told that Carrington Mortgage had set a sales date of XX/XX/XXXX for my house to be sold for foreclosure. 

I asked them how can they asked me to re-apply for a loan modification and I was waiting for the documents and they went ahead to set a foreclosure sales date without even informing me? Carrington Rep stated that they just set the date the morning I called them and that they do not have to inform me about setting date for foreclosure sale. Then they stated I can still send in the re-application to be considered. 

The behavior of Carrington Mortgage is just abominable.
Product: Student loan

When I was an XXXX student I was given a student loan from MEFA, as I lived in Massachusetts at the time. My loan ultimately ended up being serviced by XXXX in Pennsylvania. I am not sure who selected this option, but when the loan was approved for me, the repayment option selected had me start paying my loan back while in school and without the option of forebearance. In the fall of 2018 I ran into a temporary financial hardship. I applied for forbearance for my MEFA account AND another loan being serviced by XXXX. I got a letter saying my forbearance request was approved, with my account # on the letter, leading me to believe BOTH my loans serviced by XXXX were approved for forbearance. Thus, I did not make payments on these loans for 3 or 4 months. I then learned that my MEFA loan was never put into forbearance and my credit history has been negatively affected by these missed payment. I have been trying for months now to have my MEFA loan put into forbearance, for even just 3-4 months, so that I can pay back the past due balance, but to no avail. I am really struggling here and believe MEFA/XXXX  should be penalized. This is not right. I even tried consolidating these private loans with my federal loans, per the option on the XXXX website, but was not able to, despite their site saying I could.
Product: Debt collection

There is an account on my credit history from the National Credit Audit Corporation in regards to a balance of {$3400.00} owed to an apartment complex I once occupied. It began reporting in late XXXX. 

On XX/XX/XXXX I received an email from XXXX XXXX ( not the collection agency which was already reporting the debt, this communication was from the original creditor ) providing me a breakdown of charges and saying what their future collection attempts would be. The email specifically stated that I needed to respond to them. I responded to the email disputing some of the charges, and requesting they provide supporting documentation for the charges ( invoice, receipts, etc ) and proof that they provided me with this information in the timeframe allowed by law, as I am well within my rights to do and had asked for previously. The laws in the state are specific that properties can only charge for expenses they actually incurred, and the charges provided to me were grouped together and unclear. The company responded with a series of back and forth emails stating how they did not have to provide me that information by law and were not bound by consumer protection laws. They also acknowledged that I followed the law with my written request for information, and then went on to say that they sent the information to the unit I once rented from them ( while fully being aware that I no longer resided there and ignoring the contact information for me provided on my request ). The email concluded with an outright refusal to provide me any information needed for me to verify the amounts they were attempting me were valid. They also referred me to their collection agency, who never contacted me in the first place.
Product: Debt collection

Upon moving out of my apartment I paid all of my bills and closed all accounts. That includes my cable which I got from XXXX. XXXX said to return the hardware for the cable thru XXXX, which I did. I have the ups receipt to show that I sent all hardware back to XXXX. My credit reports were showing that I owed XXXX {$300.00}. I contacted XXXX and showed the receipt to prove I have taken care of everything on my end. They closed the debt and I waited for XXXX to delete it as well. After trying to get XXXX to delete the debt I have not been successful. I have shown them all the proof I have and still no. I am hoping that this will give me the answers I need. I would like to buy a house and this will not look good to the banks.
Product: Credit reporting or other personal consumer reports

Someone used my identity for inquiries which I had no idea about and some 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 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 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 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 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 XXXX XXXX XXXX  {$260.00}
Product: Debt collection

Using unconstitutional debt practices to attempt to collect a debt they purchased. This debt was not validated or disputed by me before they provided the delinquent information to the credit reporting agencies. This company is willfully disregarding the laws in place under the FDCPA.
Product: Checking or savings account

I started a savings account with citi bank a couple of years ago and i have never been able to withdraw money from them because my account was not active. I sent citi bank a letter asking them to reactivate my account and never got a response ( there is no branch in my state ). I opened a debit account with them in hopes that I can transfer my money from my savings to my debit and finally get my money and now I cant even activate my debit card when I got it in the mail. In addition, I am now locked out of my online account so I cant even access my account number so that I can give it to the customer service people.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting

Equifax allowed companies to access my credit report with out my permission. I have sent the unauthorized companies letters that have not been replied to and I have sent equifax certified copy 's of letters to investigate and delete the unauthorized inquiries and it has been over 45 days and still it has not been done. 

I have included a statement of truth to prove I am telling the truth, please delete ALL the unauthorized inquiries from my credit report. please do n't force me to sue I have documented every thing and i will win.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my account and the following inquiries was not cleared by myself but inquiries continue exist on my credit reports. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Please remove all these inquiries from my credit reports
Product: Credit reporting or other personal consumer reports

Under the stipulation of 15 US code 1681i ( 6 ) ( B ) ( III ), it is mandated that consumer reporting agencies ( namely XXXX, XXXX, and Transunion ) are required to furnish a written notification to a consumer ( in this case myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted durning the verification process along with their contact number. over 30 days ago i solicited documentation to substaniate this account yet I have received no such documentation, without legitiment poof or backing these accounts, it has no basis to be included in my credit report XXXX XXXX XX/XX/year> unrecognized XXXX XXXX XXXXXXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX
Product: Credit card

I responded to an offer from Chase Slate Visa to transfer balances from other credit cards to theirs for an introductory offer of 0 % and no balance transfer. This offer was clearly stated in the mailing I received in XXXX 2016. I was approved and attempted to transfer a balance from another visa account on-line. I received a letter a few days later telling me the balance transfer was not processed because, " the payee address in unknown '' interesting to note they never asked for the address. Upon receiving the chase slate visa card, I activated it and called their customer support to attempt to process the balance transfer I was attempting to do previously. This time the agent tells me the account I gave them to transfer was n't a visa account. The visa credit card I have a balance on that I wanted to pay off using the new chase slate visa, was issued from XXXX XXXX XXXX XXXX and is a legitimate visa credit card account - their address is XXXX. XXXX XXXX XXXX XXXX UT XXXX, my account is through a branch in XXXX UT. The slobs at chase slate visa have clearly sent fraudulent information in a mailing, ( which I have copies of ) to entice me to sign up for a credit card account without honoring their 0 %, no balance transfer fee offer. This practice is unethical and illegal, and I do n't appreciate their deceit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Security Credit Services with an offer to settle my account for {$640.00} if in return they would delete the collection from all credit reports ( bureaus ). I received a letter dated XX/XX/XXXX stating that they accepted my offer. On XX/XX/XXXX I paid the {$640.00} dollars to XXXX XXXX as instructed in the letter. It is now 42 days later and my collection has not been removed as promised in a binding contract. In fact, it was updated instead to settled for less. I would like this collection removed. I have reached out to them with no results.
Product: Credit reporting or other personal consumer reports

My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Payday loan, title loan, personal loan, or advance loan

Please reference CFPB complaint and company response here : XXXX. This new complaint is a follow-up because I'm still experiencing the same issues, despite my calling the company and speaking with their representative to perform routine account maintenance following resolution of the original CFPB complaint. 

After complaint XXXX resolution, I contacted Sofi and spoke w/ their representative to perform the following : address update, bank account update, auto-pay enrollment. The representative said that all were completed. I received a confirmation email from Sofi following the changes. I received an email confirming that my auto-pay would draft within 5 days on XX/XX/year>. The auto-pay has not drafted my account. When I logged into the Sofi payment portal, I found no auto-pays present. 

Sofi needs to fix their faulty software. This is unacceptable for a servicer. If they're unable to perform this routine maintenance on my account, then servicing of my account should be transferred to a servicer who can or they should be compelled via regulatory means to rectify their software so that it works as intended.
Product: Debt collection

I am writing to report a severe case of identity theft. According to the recent findings of my credit report, it seems that my identity has been used to obtain credit without my consent. I am prepared to cooperate with any investigation and legal proceedings to address this matter and hold those responsible accountable for their actions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported an inaccurate inquiry from XXXX XXXX on my consumer file. This information was inaccurate and deleted by Experian. 
I have attached my Experian report 1 copy showing the inaccuracy reporting and the other copy were Experian has admitted to this inaccuracy and has deleted from my file. I have suffered financial damages, emotional distress, and my reputation has been damaged because of you reporting this inaccuracy. 
Pursuant to the FCRA 1681o - Civil liability for negligent compliance I am seeking compensation for my actual damages in the amount of {$3000.00}
Product: Credit card or prepaid card

On XX/XX/2022 I applied for the XXXX XXXX XXXX. I received a message that they were unable to verify my identity. The email said to call customer Service. I called and explained that I am an existing XXXX customer with an investment account. The rep said she could see that I was a customer in good standing. I was told to try the application again. I got the same message that XXXX could not verify my identity. I was told that I would get a call in 1 to 3 days from someone in their back office. I waited 4 days and did not get a call or email. I called back to customer service on XX/XX/2022. I was told to reapply and wait 1 to 3 days for a call back. They said the issue is not my credit. The problem is they can not verify me. This is insane. In order to have the XXXX XXXX account they had to verify my identity. The US Patriot Act required that. Obviously, they are not following the US Patriot Act. If they were then they would have verified my identity when they opened the Investment account and would not be having this issue now. I want to know what the issue is? If they can't verify my identity then there must be an issue that I need to address.
Product: Debt collection

On XX/XX/2018, XXXX XXXX XXXX processed an ACH draft on my credit union account without my permission. I revoked access to process any ACH drafts on my account months ago.