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

Cancelled monthly monitoring services with Experian at XXXX XXXX  on XX/XX/2017. Since that period, Experian has continued to charge my Debit Card {$24.00} every month. The debit card is only given enough money to cover specific monthly expenses. Because they keep charging me, my account keeps getting charged overdraft fees. Each time I try to call Experian, my average " hold time '' is an hour and 45 minutes.

They continue to keep attempting to charge my debit card and I have had to cancel the bank account to avoid continuing charges.
Product: Checking or savings account

I am filing a complaint against capital one regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital one misrepresented the 360 savings account as having one of nations highest interest rates. Yet failed to notify account holders about the superior rates offered by the 360 performance savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the consumer financial protection act and the truth in savings act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Mortgage

Mr. Cooper processed {$7000.00} in mortgage payments from my bank account without permission.
Product: Mortgage

PNC has not properly credited my payments. I am getting threatening calls. They said I am two months behind but never specified the dates. I then opened a complaint with the CFPB and they returned credited two payments to us. One after 93 days! My previous complaint number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received results f re om experian dispute. I have subscribed to their plan for almost XXXX Iam XXXX and they want me to go to the police for a account on my credit report and they refuse to tell me what information this company provided them. Experian keeps saying the info is valid. I requested a dispute to remove it. Now the information from the negatively reporting company is even more recent than prior to my complaint. The company name is XXXX XXXX. I asked experian to require the company to furnish what they have establishing my agreement they have not. I pay Experian to monitor.
Product: Bank account or service

i wrote XXXX checks and Ally bank bounced all XXXX and locked my account. When I called to find out what happen, a rep and a supervisor told me the checks were submitted on the morning of XXXX/XXXX/15 and my money transfer did n't arrive until the evening of the same day. I used Ally site to transfer money from my saving account at XXXX XXXX XXXX on XXXX/XXXX/15 and Ally locked up {$100.00} for transfer on that date. I made a second call the next day and was told by another rep the same story, I then asked to speak with a supervisor who then changed the story line and tried to claim the checks arrived on XXXX/XXXX/15 and the money did n't arrive until XXXX/XXXX/15 and that was the reason why they bounced. The problem is I have a print out from XXXX XXXX XXXX dating the money transferr to Ally bank XXXX/XXXX/15 and a copy of the check transaction dated XXXX/XXXX/15 from XXXX XXXX whom XXXX of the checks was written to, XXXX also states that all the checks had a transaction decline date of XXXX/XXXX/15. Why did Ally bank bounce the checks and lock the account when they had my money to cover the checks? I want to be reimburst $ XXXX+ in fees Ally actions has caused.
Product: Debt collection

I am not responsible for this debt and we do not have a contract. In addition, you lack a license to collect in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XX/XX/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
Product: Student loan

I have a Student loan I got through XXXX College in XXXX. It went into collections, after it went into collections they said that I could qualify for a lower payment. I did that and got a lower payment but it was only for XXXX payments that it was lower. I could not pay the amount that they were wanting so I asked about a lower payment. they said they would send me information and a form to fill out to get a lower payment, I never seen one I called in a week after they said that they would send it and they said that they were sorry they would resend it. I have not received anything from the company about a lower payment and now the loan is probably in collections again. I am tired of calling and trying to get this form when I hear the same thing over and over ( we are sorry and we will get that out and you should receive it with in 3-5 business days ). I have been having this issue since I started trying to paying them and I am hoping that I can get this resolved.
Product: Money transfer, virtual currency, or money service

I created a Venmo account via their web site on XX/XX/2022. 
The verified my email account by sending me an email with a " verify '' button. They verified my phone number by texting me a validation code that I entered on their web site. I added a bank account and they sent me an email saying that they have confirmed my back account. They sent me an email that stated I am ready to " send and receive money ''. On XX/XX/XXXX I received four payments for a total of {$250.00}. These payments were made via mobile phone, in person, with the senders scanning the QR code on my phone in the Venmo app. On XX/XX/XXXX I received an email stating that " Your Venmo account has been frozen due to recent activity that appears to be a violation of our User Agreement ''. They told me that I had to submit a copy of my driver 's license to unfreeze the account. 
Multiple times I have asked them what rule I violated ( so that I don't violate it again ) - also telling them multiple times that they have already verified my account. Their only responses are that I have to upload my driver 's license - but without telling me what rule I violated, why they didn't ask for my driver 's license before telling me I can send and receive money, or, that doing so will completely resolve whatever the issue is. I have had electronic communications with at least 5 people at Venmo, but, all refuse to answer my questions
Product: Debt collection

I had a notification today about a collection for this company. Never did i get anything about this debt and then it pops up on my credit report. No letter no phone calls.
Product: Mortgage

I was shopping for a mortgage and a representative from Quicken Loans told me they needed my credit card info to process the initial application, but the representative assured me multiple times that there would be no charge at this point, so I provided the info. I don't remember the date this exchange occurred, but roughly a week later (XX/XX/XXXX) they charged my credit card $XXXX without any notification or authorization from me.
Product: Credit reporting or other personal consumer reports

I have disputed collections accounts several times. I have provided copy of police report and FTC identity theft report. I requested results of investigation but i never get a response just saying information was verified
Product: Money transfer, virtual currency, or money service

Hello, I received the following fake receipt for a large expenditure. I took no action but the company, PayPal, may want to know these fake invoices are being sent to me on a regular basis. Thank you. 
Best regards
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint - Consumer Rights Violation and Discrimination by Equifax Date : XX/XX/XXXX To whom it may concern, I, XXXX XXXX, am writing to file a formal complaint against Equifax Credit Bureau for severe violations of consumer rights and blatant discrimination based on gender and minority status. 

Equifax has continuously compromised my creditworthiness by incorrectly reporting XXXX XXXX accounts on my credit report, resulting in a significantly lower credit score of XXXX, far from the accurate score of XXXX. This discriminatory practice has been observed in various studies, highlighting a pattern of discrimination against individuals with social security numbers starting with XXXX or XXXX, a fact further exemplified by lawsuits against XXXX XXXX, XXXX XXXX and XXXX XXXX for similar discriminatory practices. 

Despite my repeated efforts to rectify this issue by labeling these entries as " Fraud '' and demanding their removal, Equifax has failed to address the problem, leaving me no choice but to escalate the matter. 

XXXX XXXX has proven uncooperative in resolving this matter, redirecting me back to Equifax on multiple occasions, further exacerbating the frustration and inconvenience caused by this ordeal. 

Equifax Disputes and Investigation Results : XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX In light of these discrepancies, I am formally disputing my credit score, which has been adversely affected by Equifax 's discriminatory practices. Contrary to the reported score, my impeccable payment history includes settlements of over {$100000.00} with various reputable institutions and XXXX currently open seasoned accounts with no late payments totaling nearly {$200000.00}. 

I am also demanding the removal of unauthorized hard inquiries conducted by XXXX XXXX on XX/XX/XXXX, as this further compounds the violations against my credit report. 

As of today, XX/XX/XXXX, I am initiating complaints against Equifax with both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

This matter requires urgent attention and resolution to rectify the damages caused to my creditworthiness and to ensure fair and unbiased credit reporting practices. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report and this old account has been on my credit report for more than 7 years .PLEASE REMOVE these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

Investment Retrievers Inc continued to contact me about my fiance and I advised them he was being legally represented and provided them the company name, phone number, ext and the representatives name. They claim they could not get through so continued to call with harassing phone calls. I tried to send a Cease & Desist letter via fax however their fax connection was disabled & I only received fax transmission errors.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint and request the immediate removal of several fraudulent items that persistently appear on my credit report. These fraudulent items have been inaccurately affecting my credit score and financial reputation. The fraudulent items include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This account has never belonged to me, and I have never authorized any transactions or services associated with it. It has been fraudulently reported on my credit report, and I request its immediate removal. have never had any dealings with this account, and it has been fraudulently reported without my consent. I demand that it be removed from my credit report promptly. This account is entirely fictitious and has been added to my credit report without any legitimate basis. It is imperative that it be removed to prevent further damage to my creditworthiness. 

I have taken several steps to address these fraudulent items, including reporting the issue to the respective creditors, disputing the items, and filing a police report. I have also initiated a fraud alert with the credit bureaus to protect my credit file from further unauthorized activities. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I insist that you investigate and rectify these fraudulent items on my credit report immediately. Under the FCRA, you are required to investigate disputed information within 30 days and inform me of the results. If the information is found to be fraudulent or inaccurate, I request that you provide me with an updated credit report reflecting the removal of these items.
Product: Credit card or prepaid card

On XX/XX/XXXX I ordered a dumpster from XXXX XXXX to be delivered XX/XX/XXXX. When the dumpster didn't arrive, I called XX/XX/XXXX to cancel the order. On XX/XX/XXXX a dumpster arrived at my home. I realized I had given the company my Citi card number,, so I called Citi Card immediately and discovered XXXX had charged my account {$620.00} on XX/XX/XXXX even though they had quoted a charge of {$450.00}. I asked Citi card to dispute the charge. 

The dumpster was blocking the door to my barn and part of my garage. I called XXXX to have it removed. When they didn't remove it, I was very frustrated so I called Citi Card a second time to reiterate that they should not pay XXXX XXXX. 

It wasn't until I got my Citi Card statement that I discovered instead of continuing the dispute Citi card had canceled it and paid XXXX dumpster {$620.00}. Citi XXXX said that once a dispute has been canceled it can not be reopened. 

I contacted the XXXX XXXX XXXX and made numerous calls to XXXX. Finally they said they would refund my money. They sent {$450.00}, not {$620.00}, to Citi Card. I have tried to contact them numerous times but they do not answer my calls or respond, so I am still missing {$160.00}. 

I feel Citi Card is responsible for this problem. I can not understand why they canceled the dispute. I can only guess that their employee was not proficient in XXXX and didn't understand me when I called to tell them to not pay XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information and requested that they look for fraud or identity theft. They did nothing. I asked for them to send me documentation of the contracts with the merchant that reported the negative items and they still did nothing. This company is blatantly avoiding following the law and the negative items they report in error should be removed immediately. Delete these items for lack of verification and or fraudulent since you can not verify. XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Account XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX Unverified, Inaccurate or Not Mine XXXX XXXX XXXX  Account XXXX Unverified, Inaccurate or Not Mine
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX  DATE ASSIGNED : XXXX, XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received a letter from Experian confirming that the XXXX XXXX  XXXX account ( partial # XXXX ) had been deleted from my credit report after my dispute. However, when I recently updated and reviewed my credit report, I discovered that this same account was reinserted without proper notification, in direct violation of the Fair Credit Reporting Act ( FCRA ). Under 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ), if a previously deleted item is reinserted into a consumers report, the credit bureau is required to notify the consumer within five business days of reinsertion. This notification must include the name, address, and phone number of the entity that provided the information. In this case, no such notification was provided to me, which is a clear violation of the FCRA. Furthermore, this unauthorized reinsertion raises concerns about the accuracy of my credit report under 15 USC 1681e ( b ), which mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. By allowing the reinserted account to appear again after its deletion, Experian failed to meet its legal obligations to maintain an accurate report and prevent consumer harm. Additionally, Experian has also disregarded my rights under 15 USC 1681i ( a ) ( 1 ) ( A ), which grants consumers the right to dispute inaccurate or unverifiable information. Once an account has been deleted following a dispute, the burden of proof lies with the furnisher or bureau to verify its legitimacy before reinsertion. In this case, no verification or explanation has been provided. This violation has caused unnecessary distress, confusion, and potential harm to my financial reputation. I am requesting immediate removal of the reinserted XXXX XXXX XXXX account, a full investigation into why it was reinserted without proper procedures, and confirmation that the credit reporting agencies are adhering to FCRA requirements to prevent further harm.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report a few months ago and noticed that I have information that is Not reporting correctly. I saw information for a Bankruptcy XXXX. 

I contacted XXXX XXXX courts on multiple time and even after speaking to multiple people, I was advised that they DO NOT provide any information to the credit reporting agencies. Thus, I am confused as to how this information is even reported, especially because it is NOT correct. 

I know that my rights as a consumer ensure 100 % accuracy of information that is being reported about me and this is definitely NOT accurate. 

Please advise how to handle this.
Product: Credit card or prepaid card

As usual, Capital One makes sure that their customers are very unhappy. I just called because I am facing hard time resetting my password and all I got was an unprofessional, unethical person who at the very end make sarcastic comment and hung up. 
In addition, Capital one has been failing to locate/dispute electronic balance transfer and lies that they spoke to XXXX and it applied to my account when it has not and they have not proven otherwise. 
Won supervisor ( FL )
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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.

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 inructions 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

Lane Bryant/Comenity Bank had been contacting people they can that are allegedly associated with me. They have been contacting XXXX XXXX ( I don't really know him well ). His mother contacted me ( who I do know ) because Mr. XXXX XXXX is tired of Comenity Bank harassing him. 

Test copied below : XXXX called again and it's a lane Bryant acct and its thru comenity bank for XXXX XXXX # is XXXX XXXX XXXX The worst part is I live in a state where Comenity Bank can't even tell my spouse if I have an account. " a non- spousal state '' This has to stop!