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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfers

I sent {$100.00} to a relative using MoneyGram XXXX/XXXX/2016. I received an email with the Reference # XXXX. The cost of their service was {$12.00} and I approved of this cost. I noticed today an additional {$2.00} fee is being charged to my credit card which I was not made aware of, nor did I approve of this extra fee. The receiver was told that the money was not available because the sender needed to verify information. I never received any message regarding the transaction was not complete, instead I received an email telling me to notify the receiver with the reference number.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my XXXX consumer report and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX ( XXXX ) ( XXXX ).
Product: Debt collection

i am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Product: Credit reporting or other personal consumer reports

It's a requirement under FCRA 605B to eliminate any inaccurate accounts from my credit report. These accounts are incorrectly reported. I'm owed {$1000.00} for every incorrect entry on my credit file.
Product: Debt collection

LVNV Funding LLC is reporting to all XXXX of the major credit bureaus a collection account from XXXX XXXX XXXX XXXX. this was never my account, XXXX XXXX XXXX XXXX  have already removed their accounts from all of my credit bureaus but this collection account is not mine and should not be on my credit bureaus i asked them to verify the debt and they never responded to my request
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive labeled each section of inquiries according to which bureau they are being reported on below. Approximately two weeks ago I filed a dispute with the credit bureaus to have unfamiliar inquiries removed from my credit report. Most of the inquiries listed in my dispute letter were removed but for some unexplained reason others were not. Below are the remaining inquiries I need removed. These inquiries are spread out across the three major credit reporting agencies XXXX, equifax, and XXXX. Thank you for your time and efforts, its very much appreciated. 

XXXX XXXX XXXX - XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen these inquires on my report that i have no knowledge of. I think my information was used in a data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

It has taken well over 30 days for credit reporting agencies " Transunion LLC, XXXX '' to remedy this issue! They have failed to respond I sent out my disputes on XXXX XXXX. I stated that I am disputing the amount of {$21000.00}.
Product: Debt collection

XXXX XXXX XXXX salesman came to my home. Hes putting signs out. Explain me how solar systems worked. He gave me a speech how much power I will save. I have no electric bill. He was going to finance me through Good Leap for XXXX. Power, our homes came out during the XXXX never completed. The job system never started up. Good Leap started charging me and has harassed me. Emailing me calling me every day asking for money taking my credit score from XXXX to low XXXX they keep refusing to listen to me and tell me is not their problem I keep telling them XXXX XXXX filled bankruptcy voiding. The contract with a job was not completed.
Product: Debt collection

WF/ XXXX  is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on XX/XX/2014
Product: Student loan

In XXXX, I consolidated my various student loans into two loans -- one for subsidized loans and one for unsubsidized loans. My original lender was XXXX XXXX. Those loans were then passed to XXXX XXXX XXXX and are now held by XXXX XXXX. 

In XXXX, I lost my job and fell behind on my loan payments. I did n't pay much attention to my credit for many years. 

In late XXXX, I received a forbearance from XXXX XXXX. 

In XXXX, I started looking at my credit report and trying to pay off and repair as much as I could. I found an entry from Educational Credit Management Corporation ( " ECMC '' ). The ECMC website states that it is a guarantor of student loans. I also received several letters from collection agencies of ECMC. 

On XXXX XXXX, XXXX, I wrote to ECMC requesting verification of this debt. On XXXX XXXX, XXXX, ECMC wrote to me that it was unable to locate my account. I wrote to ECMC again on XXXX XXXX, XXXX, requesting verification of the debt. I have never received a response to this letter. 

In XXXX XXXX, I submitted an income-driven repayment plan request to XXXX XXXX, and that request was approved. I also submitted the IDR plan request to ECMC. I received an automated responses statement it had been received. I have never heard anything else from ECMC.

Either ECMC or one of its collection agencies is calling me and my family. The persons refuse to identify themselves or state what business they are calling from. They state only that they are calling about one of my student loans.

I believe that the loan ECMC is referencing is a duplicate of one of the loans held by XXXX XXXX. The only way ECMC could collect from me would be if ECMC had paid part of one of those loans, but ECMC had never provided me with any documentation of payment. ECMC is harassing me and my family and ruining my credit ( I have fixed quite a bit of it ). ECMC will not respond, and I do not know what else to do.
Product: Debt collection

XXXX XXXX XXXX. 
XXXX, XXXX XXXX Acct # XXXX Opened on : XXXX XXXX XXXX Reporting past due : {$1100.00} The company above has reported to all credit bureaus which has resulted in a change on my credit report. The law 15 U.S. Code 1692c clearly states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. With that being said, companies are violating my rights and should cease immediately.
Product: Debt collection

Credit Control , LLC initiated an illegal and unauthorized inquiry upon my credit report. I have never done business with Credit Control , LLC and have never authorized them to access my credit report - let alone give them any personal information. The erroneous request occurred on XX/XX/2017 by CREDIT CONTROL XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX. 

I am asking Credit Control , LLC verify why they conducted this inquiry, provide authorization ( if any ) showing why they were allowed to access my personal information, and provide me with their records concerning any debts, account openings, or financial transactions that gave them a legitimate business reason to, as required by the FCPA, to access my credit report. 

Finally, please immediately remove the inquiry and provide the requested documents ( if any ).
Product: Credit reporting or other personal consumer reports

I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.
Product: Payday loan, title loan, personal loan, or advance loan

The first started on XX/XX/year> when prepayment was made for the upcoming payment and posted per the website, there was an attempt on the XXXX for that same payment and it put me in overdraft. The account I use is strictly for online payments and only have money deposited for the amount needed to cover. I called and it started off as a apology and that it was a mistake on their part. XXXX XXXX thru XX/XX/XXXX I made payments with no issue paying more than whats due to get the early pay off price. Or at least lessen the rate. I did not make the XXXX day mark so I log in on XX/XX/XXXX to make payment and see the amount due is close to the original amount agreed on contract. I called to no avail. I was placed on hold XXXX times for extended periods of time before I hung up. I called the next business day after the holiday and this was when conversations started to get deep. I was hung up on. On another day on another call I was told make payment and you would have these issues. I was told to return the stuff XXXX like they are mattresses. These are not returnable items. The calls got nastier so I stop calling. Then they started calling me. Multiple calls a day. Even after hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Return Credit Score to XXXX Credit Score XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had unauthorized transactions with my seller account and wasn't able to get my money back from Chase when I let them know that the transaction was not me and was told that their is nothing they can do about it. It happened in XXXX of 2022 and the amount was XXXX dollars
Product: Money transfer, virtual currency, or money service

Cash app never would answer phone call about my account.
Product: Checking or savings account

Complaint Against Capital One Unacceptable Check Deposit Delays On XX/XX/year>, a check from Capital One was supposed to be deposited into my account. As of XX/XX/XXXX, the funds are still unavailable. Capital One only just notified customers via email that they are experiencing problems, but they have provided no clear explanation, resolution timeline, or assistance. 

This is a widespread issue affecting many customers who are now unable to pay bills or access their money. Despite the financial hardship this has caused, Capital One has not offered any compensation, meaningful updates, or alternative solutions. Their failure to communicate and resolve this issue in a timely manner is unacceptable and has placed unnecessary stress on customers relying on these funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus. XX/XX/XXXX trans union and XX/XX/XXXX. has not updated my correct in XXXX count. I have enclosed all dispute documents to all 3 bureaus. XX/XX/XXXX XX/XX/XXXX and trans union. I want this documents to be complied with an updated on my credit report.
Product: Checking or savings account

Monday, XX/XX/XXXX, I was the victim of a theft crime to my Peoples United Bank Checking Account.  I received a text message from the bank asking if I authorized two separate payments, $XXXX and $XXXX   and respond yes or no.  Of course I responded no.  Immediately following, my cell phone rang with Peoples United Fraud specialist with the same Peoples Phone Number on their website #XXXX   at the same time I was calling Peoples United  Bank to verify.  The Peoples phone call that I made had a 23 minute wait to speak with a representative & since I thought I was speaking to one of their fraud specialists, I did not hold the line & took the call.  During the 20 minute call, I requested verification from them & they provided a 5 digit # to give to an automated Peoples fraud phone call and immediately a call came in with the fraud dept. # of XXXX and I gave the #; I requested 2 additional verifications and received both.  They indicated that they secured my account and I would receive a confirmation email.  I did not get the email & immediately called the Peoples United Bank another 25 minutes to speak to a representative, gave them my call back #, waited for a call back & was transferred to their fraud department another 25 minutes on hold to speak to a representative who indicated it was FRAUD.  At that time, they instructed that I log onto my account which I did and without my permission, the $XXXX + $XXXX transactions were made to my account.  I filed a complaint, provided numerous documents including my cell phone records and they denied my claim.  I am requesting an investigation as their fraud department indicated the bank is denying "all of these types of claims" and will not make me whole with the $XXXX that was stolen from my account.  Thank you.
Product: Credit card or prepaid card

I have a Amazon card through Chase Bank. 

On XX/XX/2023 there was an erroneous transaction from Amazon for {$150.00} Within minutes this transaction was corrected on XX/XX/2023 and Amazon refunded the amount back to the card ( Credit to Account to wash out the transaction ). 

Chase took the refund of {$150.00} and instead of applying it to the erroneous transaction, Chase applied it to a 0 % promotional finance special that I took advantage of to purchase a couch and treadmill from Amazon. My payments are to be {$81.00} monthly. Chase then treated the erroneous charge as a purchase though it states clearly in the statement showing amazon refunding this charge.

Chase then took the {$150.00} refund as real cash and not a refund and added that as a purchase under yet to be a charged interest balance. They deducted {$150.00} from my 0 % interest and created a transaction basically of $ XXXX 27.24 % APR. If I do not want to be charged interest I have to pay {$230.00} ( XXXX + XXXX ) to defer interest on a transaction that was refunded. 

So technically, the {$150.00} that was refunded was stolen by Chase and applied to a 0 % promotional special and then applied the refunded charge as a charge to my account at 27.24 % APR. 

I called Chase about this and they refuse to fix this item.
Product: Debt collection

I show three derogatory accounts with the credit bureaus and I'm puzzled as in how this would occur. I have been XXXX  for 10 years, which would be 2009. It is impossible for me to have done this. This is not at all fair to me and needs to be removed indefinitely
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XX/XX/21 I sent a letters regarding inaccurate and unknown things on my credit report. Items from XXXXXXXX XXXX XXXX  and XXXX, XXXX were deleted from my report. On XX/XX/21 after I realized these items came back on my report without me being notified by writing in 5 days which is a direct violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), I immediately filed another dispute.

2. I know that Both XXXX XXXX XXXXs and XXXX, XXXX have incorrect, unvalidated information because things such as the date of last activity, date opened, account status among other things are not identical across all bureaus. They are in direct violation of Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.

3. Equifax has 7 derogatory accounts without creditor names on them and medical information! This is another direct violation. How am I supposed to even verify an account if I don't even know who to contact. I also know that all of these offenses should be a {$1000.00} each that the bureaus owe me in compensation. 

4. I feel as if I am being taken advantage of and my disputes are being ignored. They should be deleted they should be deleted promptly. I demand these unverified accounts be deleted, and any late payments that cant be verified be removed and the updated to paid as agreed. My information was also impacted by the Equifax data breach. 

I have done my research and I know I am entitled for compensation for these violations and they must be deleted.
Product: Credit card or prepaid card

I had opened a Double Cash Credit Card account with CitiBank back in XXXX of XXXX. The rep had stated that there is a promotional offer that if I spend {$500.00} within 3 months of opening the account, I would receive a {$100.00} cashback. By mid XXXX of XXXX, I had already paid off {$680.00} on this card. I waited a month and I did not receive the cashback as promised. I called in and spoke to a customer service rep, who checked my account and verified that I had indeed spent {$500.00} within the first 3 months and that I would be getting the {$100.00} cashback on my next statement. My next statement came in and I still do not see this money. This is when the pandemic started getting bad and I tried calling them numerous times and was unable to get through to anyone. I had also tried messaging them through the app and the person I chatted with told me that they can only see limited information on my account and that I'm not eligible for the reward. They told me I need to call in to speak to a rep to get a better resolution. Fast forward 2 months later, I called them again and this time the rep confirms that I did reach the promotional requirements, but they don't know why the money is not showing up in my account. They told me they would need to check with another department and that I would receive a " determination '' letter in the mail within 7 business days. 3 months later and still nothing.
Product: Money transfer, virtual currency, or money service

Paypal Inc has a Seller protection program to protect individuals from chargebacks relating to payments received. They have times when transaction go back and forth between showing " Eligible '' for the protection, then a moment later shows " Not eligible ''. This complaint relates to Transaction ID XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Only disputed one account which is XXXX XXXX XXXX not my account. As Equifax requested, I sent a request to the creditor XXXX XXXX XXXX via 3 certified mail and no response or verification of account from the creditor : XXXX ; XXXX ; and XXXX. Last letter sent creditor refused to sign for letter. XXXX and XXXX have deleted account after creditor fail to validate account. Sent new certified letters today to creditor XXXX and 2nd letter Equifax. XXXX. Requesting monetary value of $ XXXX from Equifax for value of reporting account as it is damaging my reputation. Will seek damages from company also.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle harding of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.
Product: Debt collection

I was not aware, until I looked at my credit report, about this debt. I sent the debt collector documents to prove their claim and fill out the disclosure statement. I have not heard back from then and they still have me listed on my credit report and will not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C XXXX XXXX XXXX # XXXX 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 : A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of conviction of crimes which atendates the report by more than 7 years.

15 U.S.C 1681 s -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 reporting or other personal consumer reports

I filed dispute about an open car loan with XXXX  XXXX XXXX. I filed dispute with XXXX as well at Experian under FCRA I wanted an investigation done so they would see I already paid off this account and want it updated as so. They did not do an investigation and sent me a generic email response with no proof of investigation and did not update my credit reports. I feel the credit bureaus are dismissing my dispute and do not care to investigate under FCRA laws. This account is closed and they have not contacted XXXX  XXXX XXXX to find out if I even owe this account. I want them to do proper investigation and to contact XXXX  XXXX XXXX