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

XXXX ( Date of Complaint ) My Transunion Credit Report has really been a challenge for me because every time I would attempt to correct an inaccuracy on my Transunion Credit Report, I always come to a roadblock ; a halt. The message to me is always " Try Back Later. '' And this has been for a very long time. Years. Finances have prevented me from getting to the bottom of why I am being kept from getting into this particular Credit Report. Strangely, my name is not on this Credit Report, but I am identified via my Social Security Number. I am divorced and I have been divorced since XX/XX/XXXX. The address of the marital home is still listed on this particular Credit Report. My current address is NOT on this Credit Report ; nor are 4 addresses where I've previously lived ( one ( 1 ) XXXX, Virginia Address when I first married ; 2 XXXX  XXXX, Virginia Addresses ( when I was separated off and on from my ex-husband in an attempt to get away from XXXX  XXXX  behavior, but I was still paying part of the mortgage on the marital home ) ; and one ( 1 ) a  XXXX, Virginia Address which was never recorded on Transunion 's Credit Report. As mentioned before, my current XXXX, Virginia Address is not listed on the Transunion Report. The strange part is, I spent years correcting my credit reports from all 3 credit bureaus. Why was my Transunion Credit Report never changed? It also appears that one creditor on this report is not reporting my status accurately with them ( Ph : XXXX ), or I am misunderstanding what this creditor has placed on my Transunion Report. I do not understand why this same creditor has my status first, in green as having made all payments on time ( which I know that I have ) ; yet, there is a box in red beside the green box, labeled " Past Due or Delinquent '' with a XXXX ( " XXXX '' ) underneath the heading in my " computer devices protection coverage account '' ( where I can always pull up my credit reports at any time - something I did not have access to before ). Again, this same creditor doesn't report my status with them the same way on my XXXX  and XXXX  Credit Reports. There  are things about my Transunion Credit Report that I don't understand ; especially, my inability to get into my Transunion Credit Report to correct inaccuracies. A couple of months ago, I did request a copy of my Transunion Credit Report via U.S. Mail due to my frustration of not being able to get into my Transunion Credit Report, but I'm not sure if I've received it. Will look in my possessions again. An investigation needs to be made as to why my Transunion Credit Report has had suspicious occurrences. In the past, I've had issues with Fraud and ID Theft with one of my issues being referred to the U. S. Attorney 's Office years ago which lead to a couple of items being removed from my Credit Reports. My credit reports, in the past, have had to be placed on a Legislative Freeze, again, years back. Transunion 's investigation into this matter will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Alliant Credit Union 's Refusal to Comply with Opt-Out Request Dear Sir/Madam, I am writing to file a formal complaint against Alliant Credit Union regarding their failure to comply with my written request to opt out of certain information sharing practices, as per my rights under 15 USC 6802. I submitted my written request to opt out to Alliant Credit Union on XX/XX/2024, which is well beyond the requisite 30-day notice period stipulated by the law. 

Despite having provided ample time and adhering to the statutory requirements, Alliant Credit Union has blatantly refused to honor my request. Their refusal to comply with the legal mandate outlined in 15 USC 6802 not only infringes upon my privacy rights but also demonstrates a clear violation of federal law. 

I have made diligent efforts to resolve this matter directly with Alliant Credit Union, including multiple attempts to communicate my concerns through various channels. However, their persistent refusal to acknowledge my rights and adhere to federal regulations necessitates the intervention of an authoritative body such as the Consumer Financial Protection Bureau. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate enforcement action against Alliant Credit Union for their non-compliance with 15 USC 6802. Additionally, I seek your assistance in ensuring that Alliant Credit Union promptly adheres to my opt-out request and ceases any further unauthorized sharing of my nonpublic personal information. 

Enclosed with this complaint, please find copies of all relevant correspondence, including my original opt-out request to Alliant Credit Union XXXX 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will undertake a comprehensive investigation and enforce the necessary actions to rectify this egregious violation of consumer rights. 


Enclosures : 1. Copy of original opt-out request
Product: Credit card or prepaid card

I opened an account with Wellsfargo credit Last year in XXXX Or XXXX. I have an amazing credit history. I used that card specifically for my expenses in XXXX and to travel to XXXX. 
There is 2 issues here : 1. I have opened their Wellsfargo app and I DID setup the Automatic Payment after 2 - 3 weeks of receiving the card and the Wells Fargo app confirmed that it was set up correctly. 
2. I NEVER received an EMAIL or a MAIL that my bill is due. Note : The min i opened an investigation with them they started to send me MAIL but that was the only when I complained and reached out to their department. 

I setup an Automatic payment for the minimum amount due which was XXXX $ - XXXX $ how can someone who makes XXXX plus a year miss such an amount? 

This was on XX/XX/2019. I have screenshots from my credit showing that the payment was scheduled but it was never taken. 

I have tried to dispute using all credit Bureau but nothing was updated from the past 6 months NOTE : They May say that my address was changed and the letter was sent to the previous address. That is a LIE, the previous address is still my address as well and my parents and lease is under my name. No letters were received till I opened the investigation with them. 

After this complaint I will pursue a Legal lawsuit against them if they do not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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
Product: Credit reporting

I had a debt from XXXX on my chex system report and the debt was satified on XXXX/XXXX/2016 and XXXX call me to confirm the they updated my status in chex system to satified and it still not updated after the time they said they need to update the system its been over the time period and i cant get no response from chex system.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal piece of information that are still reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX
Product: Credit card

Back on the evening of XX/XX/XXXX, I noticed fraudulent activity on my debit card at the bank. On the morning of XX/XX/XXXX, I went to the bank and canceled my debit card hoping that was all I was going to have to endure. A week or so later I was getting notified by XXXX XXXX  that I had some accounts opened up in my name. I have contacted all the credit bureaus about this and a fraud alert was put on my accounts. I have disputed this account with XXXX already and they tell me I can't do it again. I have tried to get a hold of Comenity Bank several times but the line is ALWAYS busy. I did not open this account. I have received a bill for this account and apparently some XXXX equipment was purchased. I have never owned a XXXX of any sorts. I did also receive some emails stating when the equipment was shipped. The first item went to XXXXXXXX XXXX  and the second item was sent to my address which I never received. I have never lived anywhere but XXXX and I do not know anyone that lives in XXXXXXXX XXXX. The bill I have here says Web auth XXXX XXXX XXXX I have never been to XXXX  I'm not sure what else I have to do to make them understand this was NOT me.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed the following unauthorized inquiries : 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 XXXXXX/XX/XXXX I did not apply for credit or authorize these companies to check my credit report. These inquiries were made without my consent. I request Immediate removal of the fraudulent accounts from my credit reports. Compliance from credit reporting agencies and creditors with the FCRA to ensure the information is accurate. Stopping all collection activities related to these fraudulent accounts. According to the FCRA, a company must have permissible purpose to access my credit report, such as my explicit authorization. These inquiries were made without such permission, and I believe this is a violation of the FCRA, specifically : FCRA Section 604 : Permissible purposes for accessing a consumer report. Under this section, a company must have a legitimate and permissible reason to access my credit report, such as a credit application initiated by me. These inquiries were unauthorized, and I am requesting that the CFPB investigate this violation.
Product: Consumer Loan

I took out a loan with Cashcall in 2013 I was later laid off from my job and tried working with Cashcall but they would not work with me. I am now gainfully employed and have contacted all creditors to payoff everyone and make payment arrangements. Cashcall stated they would call back because of the length of time. Weeks later I get a call from an attorney claiming to represent Cashcall, XXXX XXXX XXXX, stating I could make arrangements with his office. My {$2600.00} loan which I made I believe 6 six {$300.00} payments was still at {$2600.00} and due to interest still being charged U owed {$9800.00}. when I stated that was way too much money and I could not afford this, I was told they would seek a judgment and garnish my wages. I am more than willing to payoff a debt that I owe, however the amount being sought after is excessive and I am unable to pay. This should be illegal especially when I contacted them to repay. I had not received any collection efforts from them in over 18 months until I called them
Product: Credit card or prepaid card

It happened on XX/XX/2022, after I received a letter to purchase {$1500.00}. XXXX American Express gift cards at a XXXX XXXX to XXXX  shop it. As soon as the gift card numbers were e- mailed to the scammers, the balance went down to XXXX. I already called all the American Express ' customer service numbers I could find, wrote letters, took pictures of the gift card numbers, submitted receipts and handsigned a request for a refund but to no avail.
Product: Checking or savings account

Wells Fargo performed unauthorized activity related to my account, for Debit Card transactions and illegal monthly fees. I submitted a mediation form and Wells Fargo marked it as duplicative although we never address the case in mediation. This is a NEW claim and NEW tracking number. 
Tracking # XXXX needs to be re-opened for mediation as it does NOT relate to the XXXX products addressed in previous mediations.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance {$8400.00} XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Checking or savings account

I banked with chase for over 10 years. I still have a XXXX  card ( chase XXXX  ) and also mortgage for my house ( balance about XXXX $ ). 

However, out of the blue the bank closed my personal bank account balance about XXXX $ and the combined account with my wife about XXXX $ on XX/XX/2021. 

Both me and my wife have gone multiple times back to the bank or called the contact provided so that I can get the funds that were in my account but have so far failed. 
They claim I am under investigation so they can not release my funds but can not even tell me or my wife what it is about. 

I did have credit cards with chase from the airlines personal and hotel cards. those were all closed and had XXXX balances.
Product: Debt collection

BC Services sent collection letters addressed to my wife, XXXX XXXX. This is improper because XXXX is not listed on the debts in any way. BC Services was not attempting to obtain contact information for me, as they already have it. BC Services was providing information to her about these debts. She and I were married after the debts were incurred. Colorado is not a marital property state, which BC Services should be well aware since they are headquartered there. 

BC Services has shown a disregard for the laws and procedures in place to protect consumers. This is the second instance of blatant disregard for the law. The first instance may be identified by Case number : XXXX. After this complaint was filed, BC Services did seek to correct that failure. 

Please note violation of multiple account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Debt collection

Mariner Finance wrote this debt off and they are still trying to collect I requested a 1099 r form to file on my taxes since the wrote it off as bad debt I need them to send form and take this off all my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX 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 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
Product: Debt collection

For the fraudulent accounts : On XX/XX/2022 an account ending in XXXX was used to charge {$410.00} dollars from XXXX XXXX XXXX and another charge of {$100.00} at XXXX XXXX XXXX XXXX. On XX/XX/2022 the same account charged {$290.00} at XXXX XXXX. The bank they are using is armed forces bank. 

I received my first 2 letters Monday XX/XX/2022 regarding the above information from TRS Recovery Services Inc. One more letter arrived XX/XX/2022 with more charges from this fraudulent account.
Product: Debt collection

I have spoke with XXXX and told them at the moment I can put pay anything because I dont have the money at the moment to pay them. I told them once I have the money I will contact them. Now I see that they have proceed to collections. I was not told that. I was told someone will contact me to discuss the issue I have. The representative for enterprise gave me false information and now Im seeing that this amount is going to collections and its stressing me out. Why would they do that and not even tell me or warn me!
Product: Credit card or prepaid card

Chase bank has mislead me about my consumer rights, and used predatory & misleading methods to avoid lawsuits and legal liability.

Chase only has a very small line of text, at the very bottom of the cardholder agreement, stating this outrageous clause : " If you do not reject this agreement as provided below within 60 days of account opening, you or we may elect to resolve any Claim by arbitration. '' TO ANYBODY PUBLICLY READING THIS COMPLAINT, IF YOU DON'T OPT OUT, THEY CLAIM THAT YOU  CAN'T SUE THEM IN COURT. IF YOU HAVE THE AMAZON PRIME REWARDS CARD, MAKE SURE YOU OPT OUT OF THIS CLAUSE, AS IT'S HIDDEN IN VERY SMALL TEXT. 

This is beyond deceptive and predatory. At no point did Chase directly notify me about this, or any time limit that I was subjected to. If I had been notified of this, I IMMEDIATELY would have opted out. 

Not only is this misleading, this " time limit '' to opt out goes directly against consumer law. Further, to automatically " opt-in '' all customers to this agreement, is a blatant violation of consumer protection law, and directly violates my rights as a citizen to take legal action against a business who falsely advertised a service, and caused financial burden against me. 

Further, the method used to notify them is discriminatory towards the XXXX and the financially XXXX : " Your notice must be mailed to us at XXXX. XXXX XXXX, XXXX, DE XXXX. Rejection notices sent to any other address, or sent by electronic mail or communicated orally, will not be accepted or effective. '' Every single function of this card, including opening the account and making monthly payments, can be done online. At no point, does the customer even need to sign a physical document. By forcing people to write a physical letter, and pay for postage/confirmation, Chase is not only discriminating against consumers, they are creating obstacles to prevent customers from getting proper justice in a court of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Experian and XXXX about the information on my credit report about a bankruptcy on my report and the response I got was it was verified by a 3rd party and not the Bankruptcy courts. I contacted the bankruptcy courts, which clearly state that they do not report to the credit bureaus. I wrote the letter stating that they must remove this because it was not verified or reported by the courts. I sent a copy of the letter from the courts, which backs what I am saying. What sparked this was they said the courts reported this to them. They are refusing to remove this. My XXXX report has removed this item already, but Experian and XXXX are refusing to do so. I was told it had to be verified by a first party which is the courts. I have the letter from the courts.
Product: Payday loan, title loan, or personal loan

I borrowered {$2500.00} on XX/XX/18. After 11 payments of {$320.00} at a rate of 276 %, the payoff effective today is {$2400.00}. The terms of the truth in lending state it is a simple interest loan compounded daily. The term of the loan is for 30 payments. 

My concern is the company is not simple interest and is front loading all interest contrary to the truth in lending. My payoff by my calculation should be approximately {$1900.00}
Product: Vehicle loan or lease

On XX/XX/2023 I sent a payment of {>= $1,000,000} to Capital One XXXX XXXX. Along with the following paper work. Authenticated Birth certificate, Power of Attorney. All documentation Notarized and Authorized by me.