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

I sent dispute notices to all credit bureaus as well as XXXX to launch an investigation. I am not the only consumer having issues with XXXX. They are not trying to resolve any issues. I was recently discharged from XXXX XXXX bankruptcy and my overall student debt was at {$45000.00}. Since I am a public servant, I applied for student loan forgiveness and my loans were consolidated. XXXX was the servicer. Not one time did I receive notice in XX/XX/XXXX that I had a balance with XXXX and that {$7000.00} was a private educational loan. They didn't attempt to call or anything. Before initially filing for bankruptcy when I was making payments with XXXX, not one time was there a break down on statements indicating a public and private loan. Nevertheless they were provided with updated mailing addresses and telephone numbers as I went through a divorce. The only reason why I learned of the private loan was because I applied for a credit card to rebuild my credit and was denied because XXXX reported to all credit bureaus delinquency dating back to XX/XX/XXXX. I immediately contacted XXXX and got the run around. Finally XX/XX/XXXX I spoke with a XXXX representative, filed a dispute with them to investigate the matter and at that time I spoke with a supervisor who told me it was my responsibility to update demographic information and I stated my information was updated back in XXXX before filing bankruptcy. I was then afforded an opportunity to enter a payment plan to where they can debit my account to take out monthly payments. They also told me that if I make 3 consecutive monthly payments, they will remove the late payments they reported to the credit bureaus and I have done just that. My first payment came out XX/XX/XXXX and I have been current since the agreement. XXXX has not followed through with the agreement. They took the late payment off from XXXX, XXXX, XXXX, XXXX, XXXX, but put the late payments at the back end of the year for XXXX ( 30 days late ) and XXXX ( 60 days late ), but XX/XX/XXXX currently paid. So they didn't remove it just moved it back to the year end of XXXX. How can that be possible if my first agreed upon payment wasn't scheduled until XX/XX/XXXX. This has really ruined my credit. I am in the process of trying to get pre-approved for a mortgage and I can not move forward until they remove the late payments as agreed. I have written them letters and have called and they are unfairly treating consumers. Can someone please help me get this issue resolved with the late payments being removed as agreed because at this point XXXX is practicing bullying techniques.
Product: Credit reporting or other personal consumer reports

It is absolutely bothering me to see an inquiry on my credit report which I do not recognize, this is definitely stressing me out and making me anxious wondering how and why can this happen. I am fully aware of the things I apply for and this company - I never authorized this nor given consent to them to pull up my credit report.
Product: Student loan

I attend XXXX XXXX XXXX XXXX email by Federal loan to loan discharge sign by chief operator XXXX XXXX. It has not been discharged XXXX XXXX XXXX was a fraudulent and school closed due to lawsuit
Product: Checking or savings account

Robinhood has froze my account with {$36.00} for what they deemed account security. I have submitted all documents and spoke with them twice still they haven't unrestricted my account. I need access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$2200.00} XXXX XXXX XXXX : {$1300.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXX OF XXXX XXXX XXXX {$3500.00} MEDICAL XXXX : {$140.00} MEDICALXXXXBalance : {$210.00} MEDICAL XXXX : {$210.00} MEDICALXXXX : {$210.00} XXXX FUNDING ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX : {$1400.00}
Product: Payday loan, title loan, or personal loan

I applied for a loan with said payday loan company. It was my clear understanding that the application was to be processed and if approved, I would have to sign to the agreement after all information on the application was verified and then the loan would be sent to my bank account. After receiving notice that I was approved, I was concerned about the amount I needed to pay back due to the high percentage rate - {$300.00} loan with repaying the loan in full turns out to be over {$1000.00} total. I decided that I would pay the loan back in 3 payments so that I wouldn't have to take on the high-interest rate. This decision was made after repeated phone calls and emails from Arrowhead Advance and an early morning phone call at XXXX! I called the company at approximately XXXX XXXX and spoke with a representative in the loan dept who explained to me the interest rate and then he verified my application in advance so that when I went online to sign the agreement, I would just call back and to let the loan dept know that the agreement was signed and I would receive my funds. In addition to the information on the application, the rep. also took my credit card info that was linked to my bank account. I received a confirmation ID # XXXX and the amount that I was to receive and when the first payment would be due. Then I received an email that the loan was denied! To my unpleasant surprise when I called back as instructed, I was denied which raised a red flag. I was told that the underwriting dept made the decision. and from my experience underwriting makes the decision once the application is submitted and a decision is made as to an approval or denial of the loan and not the other way around. They convinced me that the loan was approved and signing the agreement with all infomation being verified, I would receive my funds.
Product: Money transfer, virtual currency, or money service

I sold a medical device to XXXX XXXX via XXXX. 
She requested a refund claiming the item no longer works. 
Her request was past the 30 days allowed for a refund. 
The item worked as shown in the photo the day I posted it and sent it. 
It was rarely used, pristine. A medical device prescribed by my doctor for my XXXX. Never were any drugs used in it. Only one nutrient was ever nebulized in the machine. 

If I trusted her I would just do a refund once the item was returned. 
However, claiming she had no money, she kept talking me down in price. 
THEN, once we agreed on a price she immediately asked me if I had anymore! 
I became suspicious that she uses these things for parts. 
I saw parts from these nebulizers sold for quite a bit on XXXX. 

XXXX repeatedly tells me I do not have to refund her. 
PAYPAL will not listen. PAYPAL takes XXXX XXXX 'S side on this. 
They are sending this to COLLECTIONS and adding a {$20.00} fee to this incident. 

I do not understand how they can so unfairly try to force me to provide a refund when the XXXX policy says no refunds after 30 days. 

Oh and at some point in one of numerous conversations with PAYPAL they accused me of costing them hundreds of dollars due to this transaction. 


XX/XX/XXXX Fee reversal from PayPal Completed {$2.00} XXXX XX/XX/XXXX Transfer to Bank Account Completed - {$71.00} XXXX XX/XX/XXXX Payment from XXXX XXXX Completed {$74.00} USD
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. XXXX XXXX, DEPT OF ED/XXXX, DPT EDXXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these items from my accounts as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint to address Equifax Information Services LLC 's unauthorized and deceptive practices concerning my request for the removal of information related to XXXX XXXX from my Equifax credit report. Despite providing all necessary and valid documentation, in full compliance with federal law, including a Victims Determination Letter from a recognized authority, Equifax has unjustly denied my request and misrepresented their attempts to resolve the matter. 

Equifax 's actions are in direct violation of 12 CFR 1022.142 ( e ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), which explicitly prohibits credit reporting agencies from refusing to block adverse information based solely on the validity of submitted documentation. This clear disregard for federal regulations and my rights as a consumer is deeply concerning.

I request a thorough investigation into Equifaxs ongoing non-compliance with these federal standards and that appropriate corrective measures be taken to address their misconduct. The companys refusal to fulfill its legal obligations has caused unwarranted harm to my credit profile, despite my adherence to all requirements under the law. 

As stipulated under Section 605C of the FCRA, credit reporting agencies are legally prohibited from including adverse information on a consumer 's report when such information results from the individual being a victim of XXXX XXXX. After I notified the agency and provided all the required documentation, including evidence mandated by the law, this information should have been promptly removed within the specified timeframe. However, Equifax and other credit agencies have failed to address or comply with my request, contrary to what the law mandates. 

I urge immediate action to rectify this issue, as their failure to comply with established legal standards constitutes a serious breach of both federal law and consumer protection rights. 

Thank you for your attention to this critical matter. I trust you will give it the serious consideration it warrants.
Product: Credit reporting or other personal consumer reports

What will it take for XXXX XXXX XXXX to XXXX XXXX as XXXX  in XXXX informed me that under my social security number you have XXXX of mine there? 

For investigation, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX PLEASE REVIEW BELOW, XXXX XXXX XXXX XXXXXXXX. / ID THEFT FAKE - XXXX FAKE - XXXX XXXX XXXX Michigan department Treasury XXXX XXXX XXXX XXXX XXXX Michigan dept of Treasury XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - FAKE PLEASE LOOK INTO TO ADDRESS THE XXXX OF MINE XXXX SAYS YOU HAVE THERE UNDER MY SSN.
Product: Credit reporting or other personal consumer reports

I signed up for the XXXX XXXX XXXX visa on the day of XX/XX/year>. I decided to close that account for some personal reason. I am writing this because that inquiry was promised to be removed after 2 years or by now. I even got in contact with experian  since XXXX  mostly used them, and they told me to contact chase which I did. I got into contact with chase representatives since its issued by chase. They told me numerous times we will take it off in 7-15 days but never have. To this day I have been waiting for it to fall off my credit report since its a hard inquiry and is ruining my credit score currently. This isnt right and I am not getting what I promised removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is a fraudulent inquiry, XXXX  XXXX is a fraudulent inquiry, XXXX XXXX XXXX XXXX is a fraudulent inquiry, XXXX XXXX is a fraudulent inquiry, XXXX XXXX XXXX  XXXX is a fraudulent inquiry, XXXX XXXX is a fraudulent inquiry, XXXX  is a fraudulent inquiry, XXXXXXXX XXXX XXXXXXXX is a fraudulent inquiry, XXXX XXXX is a fraudulent inquiry, XXXX XXXX is a fraudulent inquiry, XXXX XXXX XXXX is a fraudulent inquiry, XXXX XXXX XXXX is a fraudulent inquiry, XXXX XXXX XXXXXXXX is a fraudulent inquiry. i did not authorize any of these companies to run an inquiry on my credit report ive contaced each company to confirm Ive never agreed to any of my information being used for credit or credit inquiries and if my information has been used its a result of identity theft. 

15 USC 1681c-2 section ( a ) ( 2 ) specifically states : 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( 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 With proof of my identity theft report submitted with this complaint, the following accounts & inquiries must be deleted from my credit report without further investigation no later than 4 business days after receiving this complaint or the agency that received this complaint will be held liable to me in civil court
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : incorrect information dispute for XXXX Account XXXX Experian has not responded to my letters of requests by telephone and I have to submit this complaint to the CFPB to remove the following false information. I discovered on my recently obtained credit report. Listed on my report was a Derogatory account titled : XXXX Account XXXX with the words CUR 60 next to it. I am disputing this because it is incorrect I do not owe any money on the account and have long since paid off the balance in full. Please remove this incorrect information from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or get rid of the accounts from my file. 
XXXX XXXX XXXX : {$120.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$1900.00}
Product: Credit reporting or other personal consumer reports

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 2 3 4 5 6 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft i pulled my equifax report and i see some unauthorized fraudulent inquiries listed on my report.i never gave any of these companies permission to run my credit.please delete the following fraudulent inquiries EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

left my personal notebook bag front of porch and it got stolen along with my ID card, my social card, my passports along with my credit cards and debit card and my MAC AIR notebook 2011 seriesalong with my bar tending class flashcards
Product: Debt collection

Mid-day XX/XX/2020 ; I reached out to Santandar Consumer USA to find out what happened with the vehicle that was in my name. This was a vehicle that I had financed for someone and starting months back no longer recieved updates on from Santander Consumer USA or the person that had possession of this vehicle. Through that phone call i found out that the vehicle had been repossessed, sold at auction and the debt had been sent off to a collection agency. They gave me the number to XXXX XXXX XXXX , XXXX and said for anymore information that I should call them. I called XXXX XXXX XXXX, XXXX shortly after and spoke to a representative who informed me that I owed XXXX left on the vehicle and instantly proceeded to ask for personal information. I obliged and gave my address and other contact information. When the phone call reached negotiations on the debt I told the representative that i needed to think about it and I never set up a payment arrangement with them that day or any other. 

On XX/XX/2020 ; I recieved a letter from XXXX XXXX XXXX , XXXX that stated that I had set a payment of XXXX to XXXX resolve the debt and that they had not recieved it. I did not make this payment arrangement and I did not promise XXXX XXXX XXXX , XXXX a payment of XXXX. Nor do I believe I was informed by XXXX XXXX XXXX , XXXX during any point in communication that I had the ability to dispute this debt.
Product: Debt collection

My complaint is for The XXXX XXXX XXXXXXXX XXXX in XXXX KY. About a year ago I was sent there to have a medical procedure for a missed XXXX. They did not submit my claim to my insurance. They didn't send me a single bill, basically I have been waiting and told things like it can take six months for the claim to go through and they have a year to bill you. I'm still waiting on my bill about about 1yr and 1 wk after the procedure. I check my credit every couple of months and see a new collection account for {$6500.00} and that is what it was for. They never sent the claim to my insurance because that is well above what my yearly out of pocket maximum would cost. I called the billing Dept at the hospital and asked about it and they told me they can't do anything about it because of the time frame. I called the collection agency they sent it to, they picked a random address off of my credit report I guess and told me I had the wrong address on file, I have kept my address current and updated it with the hospital and everything the day XXXX had to go. I had not lived at that address in 5 years and never when I used this hospital. They are trying to tell me it's my fault because of having an old address with them, which I have never had an account with that particular collection agency either. I have used this hospital 2 times in my life and they didn't send a bill either time, just straight to collections right around the time when they won't let me fight it anymore and when it's too late to negotiate a payment plan. The first time I found out they finally sent a bill straight to collections, I found out when they froze my bank account, this time, I check my credit regularly now because I don't trust them and found it that way with nothing about it from XXXX hospital or the collection agency through the mail or otherwise yet.
Product: Credit reporting or other personal consumer reports

Attention : Credit reporting agency, Equifax Date : XXXX Whom It May Concern, This item was purchased by a Third Party Debt Collector ( Collection Company NameXX/XX/XXXX XXXX XXXX ). This account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the Third Party Debt Collector. As you can see by my attached credit reports and highlighted issues. This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. Here is the account XXXX XXXX XXXX, Account number : XXXX, incorrect amount also. How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! Thanks, My full Name is : XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX SSN : XXXX
Product: Debt collection

The comanpy Wakefield & Associates, keeps harrassing me for a payment that was already settled, to my knowledge and proof, by our debt consolidation company. 

Date of origination listed on the account is XX/XX/2018. The amount they are requesting be paid is {$55.00}. 

I have a Paid in full letter from their website. Also a paid in full letter from our debt consolidation company. 

I have requested a letter showing what the original creditor is and the original paperwork from what this charge is from and they have failed to send multiple times. 

I have submitted serval disputes on there website, all of which go un responded to. 

I have pulled full credit report twice and this charge/collection is nowhere to be found on any accounts or any collection accounts on my full credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

per your investigation you have written and concluded that XXXX XXXX XXXX and XXXX XXXX have been DELETED from my credit report. However, after carefully review my credit report on XX/XX/2019 I still see both account appearing on my credit report. This is a violation of the Fair Credit Reporting Act
Product: Debt collection

I sent a letter to COMMON WEALTH FINANCIAL SERVICES in early XX/XX/XXXX requesting validation debt being reported on my XXXX  credit report as : COMMON WEALTH FINANCIAL SERVICES. Original Creditor Name : XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$2500.00} Amount : {$550.00} Status Date : XX/XX/XXXX Status : UNPAID. Account Number :  XXXX. They responded to my letter on XX/XX/XXXX with a letter that clearly violates my rights. COMMON WEALTH FINANCIAL SERVICES Did NOT comply with any aspect of HIPAA standards and provisions detailed in detailed in 45 CFR Parts 160, 162. COMMON WEALTH FINANCIAL SERVICES did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.