23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I mailed an Identity Theft letter to TransUnion on XX/XX/2024 via certified mail. The USPS tracking number is XXXX. USPS shows a delivery date of XX/XX/2024 at XXXXXXXX XXXX In the letter was an Identity Theft Report, My Social Security Number and driver 's license, Copy of my Credit Report and Fair Credit Reporting Act Section 6

05B and a letter with a list of the fraudulent items. Section 605B of the FCRA states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of t
his title.

The FTC 's Identitytheft.gov 's website also states that the " credit bureaus must honor your request to remove fraudulent information from your credit report. '' and that the " credit bureau must tell the relevant creditor that someone stole your identity ''.

NONE of this was done. TransUnion opened a standard dispute on XX/XX/2024 and closed it on XX/XX/2024. Transunion did not honor my request to block the fraudulent items off of my credit report nor did they notify the furnishers of fraudulent activity. They didn't address my Identity theft report at all. Transunion is currently violating my rights under the law. It is now PAST the 4-business day timeframe and nothing has my request has still not been fulfilled.
Product: Credit card or prepaid card

have been trying to call comenity capital credit card XXXX for 10 days and staying on phone for 3 to 4 hours now the company has stopped my credit card i pay my bill and i was trying to dispute a charge i sent the credit card company a letter trying to dispute the charge that is when my card was stopped this card is a XXXX tried calling them no help.it is also connected to bjs wholesale club.
Product: Credit card

Capital One did not take any steps to notify me that my account was past due. They did not take any steps to notify me before reporting late payments to credit bureau. According to rep you have to 'request ' to know these things. This is highly unethical, especially since they charge late fees. It is in their interest not to notify the customer. According to Rep, consumers do n't want to know this information.
Product: Money transfer, virtual currency, or money service

XXXX XXXX it was a payday loan but the account let me withdraw money from my original account with the money being in that account XXXX XXXX XXXX XXXX XXXX XXXX they all charged subscription fees and had it auto payed which instantly took money out my account before I could make pay arrangements or either pay them which also led to overdraft fees
Product: Payday loan, title loan, or personal loan

Incident Date : XX/XX/21 @ XXXX XXXX 
Location : Advance Financial 24/7 Phone # - XXXX Address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX I have an open Flex loan with the company Advance Financial 24/7. My father was going to help me pay the balance off for this loan. Due to the insanely high predatory interest rate of 279 %, I was unable to keep up with the payments. We had an agreement made among us that I was going to pay him back in installments. We tried to pay the balance off over the phone on XXXX but for some reason were unsuccessful, and was instructed to go to the financial institution in person to make the arrangement. Due to a scheduling conflict, my father drove to the XXXX Branch to pay off the balance. I was told by the corporate office department on the XXXX that my father would absolutely be able to make a payment, but they would obviously not disclose or discuss the account with him, or even give him a receipt- that would just be emailed over to me. Once my father arrived they told him I would have to call Corp office to make a note on the account to give my father permission to be able to make a payment on my behalf. I did contact their office and advised to please make a note to allow my dad to make a payment on this loan. Not only did they discuss my account with my father, they printed out a detailed transaction summary ( with all the cash advances, dates, amounts ) and also provided him with a detailed receipt detailing the information about the loan. I have the printed out documents that were given to my father and will attach them to this summary. They clearly violated my privacy and divulged my personal information to an unauthorized party who is not on the loan in any capacity. Again he is not on the account. This is clearly in violation of the law. The amount of stress and mental anguish this created between my father and me has left an everlasting mark. I am already struggling financially and on top of this unnecessary burden is causing me even more mental anxiety. I immediately contacted the customer service # and explained the situation, and on the recorded line every representative I spoke with agree that they should NOT have discussed my account information with my father. I was told I was going to get a call from the area manager, I never received a callback. I spoke with XXXX XXXX office # XXXX and he even agreed that they violated company policy and that this should not never have happened. I have yet to receive any correspondence from any upper management, they did not provide me any contact information for any upper management. My privacy was violated and the best they could do was " I will send an email and someone will call you back. ''
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and each credit agency has this information and have flagged my report for me to be contacted in the event of credit trying to be obtained XXXX is one of the accounts and now theyve sold my account without my consent or knowledge violating my rights there has also been a breach in all three credit agencies causing multiple fraudulent transactions for myself
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX
Product: Credit card or prepaid card

Received a rebate card for {$5.00 } ( I know  it 's a low amount, but it 's the principle of the matter ) from    XXXX   XXXX   afte r submitting rebate for a pet medicine (   XXXX   XXXX   ).   Card has {$2.00} remaining ( again the principle of the matter ), but physical card expired o n  XX/XX/XXXX . Pe r the CFPB advice on this website, my understanding is the funds should be valid for 5 years, and the issuer should reissue without fees.   I called the    XXXX   XXXX    number of  XXXX , and spoke with the customer service  rep. My car d tracking number is  XXXX . The rep said that they can not reissue the card if the expiry date is more than 6 months. It 's   XX/XX/XXXX   today, so I missed it by 16 days. I quoted your advice on this website, and he still said no. He was quite polite, and was obviously hamstrung by the company policy. I called on Frida y  XX/XX/XXXX , at   XXXX   CDT . I said thank you, and that I would be reporting the issue to CFPB because either  XXXX  is in breach of the CFPB guidelines, or the website is incorrect ( or perhaps my understanding is wrong? ) Anyway, I wanted to report this to you as I 'm sure these companies are making a lot of money, wrongly, off the backs of consumers.   Before realizing that    XXXX   XXXX    was owned by  Blackhawk Holdings, I  had also submitted an email t o Blackhawk Holdings for  another prepaid card that has {$10.00} on it that expire d  XX/XX/XXXX . I do no t expect a favorable response to that email given the information I received from their rep over the phone, so I am adding that card to my complaint as well. Number for that card i s   XXXX  , exp  XX/XX/XXXX , cvv  XXXX .
Product: Credit reporting or other personal consumer reports

It was reported to TransUnion on XX/XX/XXXX that there were several fraudulent inquiries appearing on my credit report. However, the inquiries continue to appear. Please see the attached list of inquires highlighted in yellow.
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. I told the XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX : account last XXXX # XXXX. On XX/XX/2023 about XXXX am I XXXX XXXX contract XXXX XXXX phone number XXXX spoke to XXXX and i asked for my full account number she refused to proved me the full account number. She advised me to call [ XXXX ] i spoke with XXXX about XXXX XXXX from account recover and i asked for my full account number she advised for security purposes they dont have access to that information However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

On XX/XX/XXXX my supervisor received a call frm a 3rd party company asking to verify my employment they did not ask to speak with me but she did put me through to them. I received the name of the company trying to verify information and spoke to someone directly there. I the sent out a debt validation letter on XX/XX/2023. I have not received any information to validate this debt at all. I do not owe the amount that is in collections
Product: Student loan

I applied for the School Misconduct Discharge Application on XX/XX/year>, I was notified they received the application on XX/XX/year>. I was notified of my denial on XX/XX/year>. I spent two months on this application looking up evidence of the misconduct from attending The XXXX XXXX XXXX Minnesota from XXXX. I had got a private loan from Navient not knowing the difference between a federal and private loan as it was never properly explained to me, which I stated with names in my application. I spoke with a Sr. Customer Advocate through Navient- XXXX XXXX  and she told me I would not need any documentation from the internet as far as lawsuits and other information found as far as The Art Institutes being predatory as they already knew all of this information she said to make it personal. Which I did, I gathered evidence that Navient was looking for to prove they were taking advantage of students and mislead students and myself into these astronomical private loans. I have already paid XXXX and still owe XXXX for ONE year of school!!!! I was in shock and disbelief that my application got denied!! When I called and asked for a reason they did not give me one instead saying it was stated on my denial letter which said ( copied and pasted ) Misconduct Discharge has been denied.

Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. 
What kind of answer is this!? I gave my everything and all the evidence they needed for it to be approved. I am at an all time low and disgusted with the denial of my application which should obviously should have been approved. They instead sent me another application. I told them I can not afford these payments any longer nor can my father who co-signed not knowing what he was getting into or understanding that this would be a financial nightmare from a predatory school and loan company. I am a victim and am looking for clarity, justice and a chance to breathe again. These private student loans through Navient NEED TO BE DISCHARGED. There have been several lawsuits for Navient federal student loans, what about the PRIVATE STUDENT LOANS WHERE WE WERE PRESSURED INTO GETTING WITHOUT KNOWING WHAT THAT MEANT!? I want to know EXACTLY why my School Misconduct Discharge Application was denied for attending an OBVIOUS for profit, predatory school and I dont want a vague statement or explanation. I want to know specifics. I also want these loans to be discharged. I proved it enough that the Art Institution I attended was a school of misconducttheyre all almost closed down and the one I attended is closed down. I want answers.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or armed the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. The following accounts are inaccurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX Reference # XXXX XXXX US BKPT CT XXXX XXXX Reference # XXXX XXXX US BKPT CT XXXX XXXXXXXX Reference # XXXX XXXX US BKPT CT XXXX XXXXXXXX Reference # 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 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 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 retired XXXX XXXX XXXX XXXX, with limited computer skills and I don't speak XXXX. My daughter is writing this at my direction. I have a Target credit card. I had a {$0.00} balance for a long time. During XXXX I made some purchases totaling {$71.00}. After XXXX I stopped receiving my statements. I did not get the statement but I went to the store and paid {$35.00} on XX/XX/year>. I still did not receive the statement and on XX/XX/year> I paid {$50.00}. I continued not receiving the bank statements. I figured I was not receiving the statements because I had paid everything I owed. I received a notification from another credit card that my credit score was going down. I asked my daughter to look into it. She saw that XXXX had an outstanding balance. It showed that I owed {$200.00}. They have been assessing late fees since XXXX without my knowledge. On XX/XX/year> we called the credit card company and first they told us to look online. My daughter created the online account for me and when she went in she saw they had the selection of paperless statements. They had change my preferences to paperless statement without my consent. She also noticed that there was no statement issued for XXXX. The lady on the phone then told us that they have been sending me the statements but the mail has returned them undeliverable even though I have not changed my address. I have called several times and they have been giving me the run around to remove the late fees. They said they were investigating why the mail was being returned. On XX/XX/year>. The company has told me that I must pay {$160.00}. I already paid the money I spent on the purchases I made in XXXX and I should have to pay any late fees since I did not get communication from the credit card company. The money owed are just accumulation of their fees. I am asking to have those fees removed. This is predatory lending because I am a XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cashapp Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I took a 0 interest balance transfer and during the time I opened the balance transfer I made a purchase of {$6.00}. I began noticing a XXXX cent interest charge each month. On XXXX XX/XX/2023 I called Citi XXXX to find out why I was being charged interest on a 0 % balance transfer. The associate I spoke with was nearly impossible to understand. His accent was so strong. This associate told me the purchase I made was accruing interest and I would have to pay the balance of the balance transfer before Citi would apply payments to the {$6.00} purchase I made. I told the associate that I had been paying {$600.00} per month when my minimum payment is only {$110.00}. I demanded him to pay the {$6.00} balance first. He said he couldn't. I requested a supervisor. I was able to have the supervisor pay the {$6.00} and return the interest charged. I checked online with the regulations in the Federal Register regarding interest and payments. I found in Section 1026 that banks must pay any overage to the interest accruing balances first. I decided to file a complaint. If Citibank is doing this to me they have to be doing it to others.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and 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 reported in ( MONTHS REPORTING LATE ) to be removed.

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. 


EQUIFAX XXXX XXXX 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! 


Delete the late payments from my consumer reports
Product: Checking or savings account

I called XXXX and complain about a {$99.00} charge. They did nothing so I called XXXX XXXX and filed a report. In the meantime XXXX credit the account. XXXX XXXX says they never got the credit. I have documentation of the XXXX credit and sent it to XXXX. They refused to help and said they were taking {$99.00} from my account.