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

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct 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 Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnished, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience where Experian 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 amend the disputed accounts as Experians actions violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

Complaint was filed with CFPB ( XXXX ) for a purchase that was not being refunded. Paypal and the vendor apparently acted on the same day and the charges were removed by both. Paypal then removed the additional refund, a response was sent back and my complaint was closed, I was satisfied because i made whole. Today i noticed that on XX/XX/23 Paypal Credit again added the same charge onto my Paypal account. I have not made any purchases for this amount. A chronological list of the transactions are below. 
XX/XX/23 XXXX {$410.00} XX/XX/23 Adjustment purchase $ XXXX XX/XX/23 XXXX XXXX $ XXXX XX/XX/23 XXXX Purchase {$410.00} XX/XX/23 XXXX Purchase {$410.00} This leaves me with the same {$410.00} charge despite not having received any products.
Product: Credit card or prepaid card

In the Financial year 2019, I had Citi Double cash with Citi Bank and that's the only service of theirs that I used. For the year 2019, I have received two 1099-B with proceeds totaling ~5000 . Both have a description " XXXX XXXX XXXX ''. I never did any such transactions with Citi Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to the credit bureaus and XXXX, however, this inaccurate account ( Account # XXXX ) continues to report on my XXXX and Experian XXXX  reports. XXXX and the credit bureaus are in violation of the FDCPA section 807, Misleading False Reporting unverified/inaccurate account type, No. of months, credit limit, payment status, last reported, and date last active. This is clearly inaccurate reporting. XXXX and the credit bureaus are also in violation of the FCRA section 607, which they must ensure maximum accuracy of the information contained in my credit report. XXXX and the credit bureaus did not ensure maximum accuracy. Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX credit report, but it must be removed from my XXXX and Experian credit reports. 

Additionally, XXXX and XXXX are in violation of FDCPA section 807, Misleading False Reporting and FCRA section 607 because now the account is reporting as open on my XXXX credit report on XXXX, which is affecting my payment history. How can a charged off account reporting closed on my credit reports, now be reporting open? This is inaccurate and violating the credit reporting laws. This inaccuracy is also affecting me from obtaining any credit. This account also does not show in my XXXX pay bills section either, so why is this reporting as open? Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX credit report, but it must be removed from my XXXX and Experian credit reports.
Product: Debt collection

I got a bill related to XXXX from XXXX on a XXXX XXXX, this was to be paid by my health insurance. I repeatedly ( at least 10-phone calls ). I called both insurance and XXXX and doctor office billing department of XXXX XXXX to get the problem fixed. I also sent in fax with insurance info. I had both insurance and XXXX on a 3-way call and thought this was finally after 14-months resolved. The next thing I see is a major deragatory report on my, otherwise stellar credit report from Radius Global. I never received any warning of debt collection attempt prior to this credit report filing by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

There are multiple mistakes between the 3 credit bureau reports. 

Last payment dates are wrong Closed account dates are wrong The Collection Agency name is wrong XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Long story short a payment was missed 2 years ago resulting in the repossession of my vehicle. From the date of the missed payment until the repossession no other payments were missed. Made several attempts to have the payment added to the end of the lease as a finale payment but the company declined to do so. After the vehicle was possessed I began the process of recovery. Paid the past due balance in full as well as misc. fees accrued by the repo process including a new key {$170.00} for the vehicle which brings me to my complaint. The vehicle was taken on a Saturday and I recovered the property on the next available business day to do so. I told the representative over the phone that the key was not necessary and that I have the ability to re-program my key thus making theirs useless to me. I accepted the key over the phone under duress ( stated over phone ) because if not I would n't be able to recover my property. When I signed the paperwork to release the vehicle I included in writing I was refusing the key and left it with the person handling the release of my vehicle. Flash forward a few months and im received threating calls to have my car " XXXX '' or that they will repo ... ..again. Im not too sure how this process works but im not a fan of how this company has conducted themselves thus far and hopefully this will help my voice be heard.
Product: Money transfer, virtual currency, or money service

I received a call from cashapp letting me know there was a security breach and they needed to lock my account. The following day I wanted to disconnect my bank account due to the breach but could not due to the account being locked. When I called the number that I received the call from they asked for my account information and a code to unlock the account. When it was unlocked, I began getting notifications from my bank about money sent on cashapp. My bank was drafted one charge of {$5.00}, one charge of {$50.00} and one charge of {$500.00}. When I called the number provided by the cashapp app, I was directed to leave a message and someone would get back to me in 7-10 days. I ended up calling my own back to dispute the charges and they said it was from an international IP address.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date it was reported as late XXXX XXXX, XXXX was incorrect and unverified.
Product: Credit reporting or other personal consumer reports

All of these hard inquiries were made fraudulently. I did not make any of them! None resulted in accounts opened. 

XXXX XXXX XXXX Citizens Bank XX/XX/XXXX. Tried to dispute with XXXX and was denied. Tried to call Citizens and they put in a credit report for me. 

XXXX XXXX XXXX - They would not let me dispute anything until I filed this report. 
XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX, XX/XX/XXXX XXXX Financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Hard Inquiry XXXX XX/XX/XXXX- I completed a dispute but this was the only inquiry that was not removed as a result of the dispute. They said it was because I have an XXXX account currently, but I did not have XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed with the bureaus on XX/XX/2022 but they did not remove the items below. Sec. 602 FCRA States " I Have A Right To Privacy '' XXXX XXXX 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

I was contacted by ARstrat, XXXX XXXX TX regarding a medical bill from XXXX XXXX XXXX XXXX. 

I received care in XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, MO. My insurance provided an EOB and issued payment. Upon receipt of the medical bill in XX/XX/XXXX, I began making payments and established a payment plan for what I owed. Unfortunately, in XX/XX/XXXX, someone at XXXX XXXX adjusted the insurance payment and instead of applying the insurance payment as a credit, they applied it as a debit, thereby DOUBLING the invoicing amount rather than reducing it. They also cancelled my auto debit/payment plan at that time. 

Upon receiving my XXXX statement, I contacted XXXX XXXX via XXXX and phone asking for them to look into the matter. I received no response. Every month that followed, I did the same. Each time, no one would be able to assist me. In XXXX, I contacted my insurance to see if they could help. They were unable to get anyone to assist. In XXXX, I was sent to collections for this obvious billing error. 

A quick look at the XXXX portal can see that the insurance payment was misapplied. I am asking for the joint commission to please get involved and simply ask someone at XXXX to rescind the account from collections and make the correction. I will gladly pay any residual amount owed. 

I made the following calls to the SSM Billing line : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent all of the above correspondence to ARstrat on XX/XX/XXXX ; however, they will not adjust the bill because the billing issue is within XXXX 's system. They simply provided me with a copy of the latest bill from XXXX which is incorrect. 

XXXX XXXX will not correct the account because they've sent it to collections. ARStrat will not look into the account because they don't have access to the billing system that incorrectly applied the payment. I am caught in the middle.
Product: Debt collection

XX/XX/2018 I submitted a complaint and this has been removed from my credit profile and consumer credit reporting agencies. This is not my account. But XXXX has shared my info again with another credit collection agency and I am being called repeatedly. I told the man calling me I could prove I am not on this loan and do not call me anymore he stated that this would not do me any good. I WANT THIS TO STOP! XXXX NEEDS TO REMOVE ME PERMANENTLY AND NOT SHARE MY INFO AGAIN I DO NOT WANT THEM TO HAVE MY INFO!
Product: Mortgage

XXXX closing was done by a notary that did n't have a clue what the documents were that he was having me sign. Could n't answer any of questions. When I asked a question all I was told was I do n't know that is where you have to sign and if you do n't sign then the loan ca n't be closed. I was told all documents would be explained and I was told that if I submitted a voided check the funds would be direct deposited to my account, which I submitted but funding day some of the funds were wired to a holder of a previous home equity for a payoff ( which is fine ), The next day I received cashier checks made payable to companies for me to forward, which caused my pickup payment late and on funding day the cash out funds were wired to my account which caused an incoming wire fee that was not disclosed to me. The loan officer that was assigned to my account has stopped communicating. Apparently since he got his commission he is done with my account. I tried to email Royal United Mortgage to find out who I could discuss this with but my email was returned as blocked.
Product: Credit reporting or other personal consumer reports

Subject : IMMEDIATE REMOVAL OF FRAUDULENT HARD INQUIRIES FINAL NOTICE BEFORE LEGAL ACTION To Whom It May Concern, This letter serves as my FINAL WARNING before I escalate this matter through legal action, regulatory complaints, and media exposure regarding your willful violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, 15 U.S.C. 1681b, and 15 U.S.C. 1681i.

I recently reviewed my credit report and identified unauthorized hard inquiries that I NEVER approved. According to 15 U.S.C. 1681b, a consumer reporting agency CAN NOT furnish my credit file to any entity without my explicit written consentyet these inquiries appeared without my permission.

Additionally, per 15 U.S.C. 1681c-2, I have the legal right to request a block or removal of any information resulting from identity theft or unauthorized access. Since I never authorized these inquiries, I demand their IMMEDIATE deletion from my credit report. The fraudulent inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S.C. 1681i, you are REQUIRED to conduct a full and fair investigation within 4 DAYS. However, considering the clear violation of federal law, I expect this matter to be resolved immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : Accounts : XXXX XXXX XXXX Account number XXXX, Amount XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, Amount XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX, Amount XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Amount XXXX, Date opened XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Amount XXXX, Date opened XX/XX/XXXX -- Inquires XXXX XXXX XXXX XX/XX/XXXX Department of Education XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XXXX XXXX XXXX, I bought a washing machine on-line from Best Buy for {$690.00} ( including taxes and hoses ). I applied for the Best Buy visa card since this card allowed me to pay my purchase using installments, interest free, for 18 months. Little did I know that Best Buy will start adding fraudulent late fees charges on my account. Initially I was paying $ XXXX/month. In XXXX, Best Buys stated they did not receive my payment and that I was late. I verified my XXXX XXXX account and the payment was sent. I called them on XXXX XXXX and the representative told me they will revert the late fee charge of $ XXXX.They credited me {$27.00} and not {$31.00}. The supervisor I talked to on the same day, XXXX XXXX, stated that my payment for XXXX XXXX is {$31.00} since I sent another payment of {$27.00} on XXXX ( that was received on XXXX ). I asked the supervisor multiple times if that is the correct amount I have to send and she said Yes. I also asked why my monthly payment would change from {$27.00} to {$31.00} and she did not answer my question.To my surprise, the bill received this week shows that I was supposed to pay {$61.00} though no bill was sent to me with that amount and the supervisor stated clearly I have only to pay {$31.00}. It is very unclear to me where {$61.00} is coming from, how this was decided when all the correct payments were made in time and why the supervisor mislead me? The supervisor also stated though she could not change the late fee charge for {$31.00}, however I would see it credited in my XXXX bill and then my monthly payment will return to the standard {$27.00}. That did not happen at all. In contrary, they started to change my monthly amount from {$27.00} to {$31.00} to {$57.00} to {$61.00} that served only to confuse what the exact payment should be. I feel this is done with a deliberate scope to confuse the payers and add illegal charges to their monthly bills.Not only I did not get refunded the {$31.00}, they claimed now I was late for two months on payments and added another {$64.00} late fees, with no explanation. Is only XXXX, how can they add late fees for 2 months since XXXX XXXX? Conveniently they do n't have any records of the people I talked to or the full names of the supervisors. 

Since XXXX until today, XXXX XXXX XXXX I paid {$200.00} towards the total purchase. My total purchase was {$690.00}. Tonight I sent the payment for the difference of {$490.00} and requested the closure of my account. The representative XXXX, XXXX refused to remove the late fees charges, to close my account or allow me to talk to a manager. 

I was not late on my payments hence there is no reason for them to charge me {$64.00} in fees for 2 months. I have an excellent credit score of XXXX and was never late on any payments. Best buy credit card is refusing to close my account or remove these bogus late fees charges. 

This constitutes fraud and I am requesting an investigation on this illegality.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several copies of my current FTC Identity Theft Report to Equifax, along with a personal statement that I did not authorize the accounts listed thereon to be opened or used, and proof of my identification in the form of copies of my valid drivers license. I have used several different methods to send them my ID Theft Report, including regular mail, fax, and their website 's upload feature. 
Per federal law ( FCRA 605B ), consumer reporting agencies are REQUIRED to BLOCK the reporting of any information identified as fraudulent within 4 business days after receiving the aforementioned documents. Equifax is ignoring federal law, believing it is their right to do so, according to one phone rep. 

I have called them several times, and each time they claim that they do not have to follow the requirements of FCRA 605B. This is despite the fact that they acknowledge that I have sent the proper documentation required under 605B ( a ) for blocking fraudulent accounts. This is clearly willful noncompliance as defined by FCRA 616, making Equifax liable for the damages described therein. 

They have cited none of the reasons for which FCRA 605B ( c ) would allow them to deny a block. Even if they were to cite any of these reasons, they have no evidence to invoke them. 

As a military veteran, I am shocked and disgusted that a large, supposedly trustworthy company, operating within the United States, would willfully ignore a federal law that applies directly to them. I would like to see an investigation led by a government agency look into this matter and force this rogue company to abide by the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Experian/Equifax/TransUnion Subject : Dispute of Unauthorized Hard Inquiries I am writing to dispute unauthorized hard inquiries listed on my credit report. I did not authorize the following inquiries and request their immediate removal. In accordance with the fair credit Reporting act XXXX 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 XXXX account under an open end XXXX consumer credit plan as late for and purpose. 

XXXX ) XXXX XXXX XXXX open XXXX says jointly and I have no knowledge of this and needs to be removed immediately. 
XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX ) XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX ) Capital XXXX Open XX/XX/XXXX XXXX ) XXXX/ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, And all the rest of the pictures down below
Product: Mortgage

This is a formal complain from Mortgage Brokers who are consistently tricking consumers towards obtaining Mortgage Financing on alternative forms, but the objective is only demand on a rush substantial deposits which are at the end never returned to the victims they get, with numerous excuses. 
In my situation, have excellent credit and they lied and misrepresent towards the product they offered, mainly about payments which were never requested by the Company providing those Funds. 
The extorting Company which should BE CLOSED IMMEDIATELY AVOIDING FRAUD AND MISREPRESENTATION IS CALLED Amerifund Fax # XXXX, Phone # XXXX. Name of CEO AND OWNER, A TRUE TRICKY, DISHONEST broker is XXXX XXXX, LOCATED IN XXXX. 
They stole from me XXXX, money wired to them, they didn't provide the services, lied, misrepresented, and now refuse to return the money back.
Product: Mortgage

XX/XX/2019 my Mortgage which is on a 30 yrs fixed rate at 3.875 percent just went up an additional XXXX a month and the Escrow just told me it was because of switching insurance and switching back to the original insurance which make NO Sense!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts 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. 
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 I XXXX
Product: Checking or savings account

Received a letter from "XXXX XXXX XXXX" and a check from "XXXX XXXX XXXX." in the amount of $XXXX. The letter indicated that the check was to cover the amount of legal and administrative fees associated with the winnings. I deposited the check into my USAA checking account on XX/XX/2019, and followed up the next day with the bank to see if the check had cleared and been deposited into the account. The USAA representative (and the balance on the phone app) told me that the check had cleared on XX/XX/XXXX. This conversation was recorded. On XX/XX/XXXX, I sent out a check in the amount of $XX/XX/XXXX for "fees" as directed by the letter. On XX/XX/XXXX, I was alerted by USAA that the check from XX/XX/XXXX had bounced. Had USAA not repeatedly told me that the check had cleared into my account, I would not have made any additional steps. I have been defrauded by this company but I was also not protected by USAA as their representatives gave me deficient information that led to me being defrauded by this company.