23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was in a XXXX chair in XX/XX/2017 getting XX/XX/XXXX treatment. I couldn't afford the cost so they offered this plan from a company called " XXXX XXXX ''. 

She explained to me that if I didn't pay it off in a year I would be charged interest. 
I used the XXXX XXXX credit for treatment and begun making payments. I had other XXXX  work charged to this card as well. 

My concerns are how this company goes about getting people to sign onto their plans, the amount and types of ways to setup the customer for failure, and the amount of interest actually charged. 

I paid nearly double the minimum every month, but due to stressful life conditions, such as losing my job and illness I was unable to focus on the account closely. 

The minimum payment guarantees the customer for failure. I was nearly paid off by making my payments, but not quite enough, after 1 year, over {$1300.00} worth of interest was charged to my account, more than any single XXXX  I had had. I was so shocked I felt sick due to the powerful emotions of this. 

I spoke with a representative from the XXXX office and she tried to speak too them on my behalf but stated nothing could be done. I signed the contract, therefore this is all my fault. 

I could have signed up for a brand new credit card and have gotten a better deal than this.

How they setup the customer for failure : 1. They shouldn't be trying to charge people more than even basic credit cards for insure, especially given the nature of it being medical.

2. They have no reminder or notifications aside from logging into the account.

3. The minimum payment or even double the minimum guarantees massive interest charges for the user.

4. This credit system is offered when the customer is vulnerable and in a XXXX chair after being given an explanation of health concerns.

5. They wouldn't offer any type of reconciliation.
Product: Credit reporting

Someone stole my personal information and identity. I am a victim of identity theft. The following unauthorized and fraudulent accounts do not belong to me : XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. 

I do NOT want ANY OTHER ADDRESS OR PREVIOUS ADDRESS ( ES ) other than what I listed above to be retained or reported. 

Please delete any other addresses that infringe on my consumer rights OR provide evidentiary PROOF the legal right to retain such information. 

What you are reporting needs to match my Accurate Address as listed above only! If the previous address doesnt match my accurate address, please delete it right away!
Product: Credit reporting or other personal consumer reports

Identity theft. And was put on my credit. The debt is not mine or do I have knowledge of the debt. The company also took money out of my bank account without authorization and I had to have the bank stop payment from this entity. I have disputed it off my credit multiple times telling them it was identity theft and refused to do it. They recently taken it off 2 credit reports but am worried they will keep putting it back on my credit. I still have it on XXXX XXXX XXXX Equifax. And they will not remove it. This is not my debt or have I ever applied for anything.
Product: Debt collection

Upon carefully examining a copy of my personal credit report, I have uncovered a number of discrepancies. While I understand that errors can occur, these particular inaccuracies could seriously jeopardize my prospects of becoming a homeowner. I have researched the dispute process and I am aware that you are required to complete your investigation within a thirty-day timeframe. I kindly request that you take the necessary time and care to eliminate the inaccurate information from my credit report. Given the current economic challenges we face, I can not afford to have incorrect data negatively impacting my credit score. I will anticipate receiving an updated copy of my credit report reflecting these corrections within thirty ( 30 ) days. The following is the error that I have identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts from my credit profile ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX : XXXX ( XXXX ) XXXX : XX/XX/year> Dispute Department Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Inquiry on My Credit Report Dear Equifax Dispute Department : I am writing to dispute an unauthorized inquiry that appears on my credit report. According to 15 U.S.C. 1681b, credit reporting agencies are only allowed to provide consumer reports for specific and permissible purposes. This law protects consumers from unauthorized inquiries that may negatively impact their credit scores.

I have identified an inquiry on my credit report that I do not recognize or authorize. This inquiry does not meet the permissible purposes outlined in the aforementioned law and must therefore be removed from my credit report. This unauthorized inquiry could be unjustly damaging my credit history. 

I request that you investigate this unauthorized inquiry and remove it from my credit report. I have attached a copy of my credit report with the disputed inquiry highlighted for your reference. 

According to 15 U.S.C. 1681b, a credit reporting agency may only share my report under the following permitted circumstances : In response to a court order.

With my prior written consent.

In connection with the extension of credit, employment, or insurance, provided that I initiated the transaction.

If the disputed inquiry was not conducted under any of these conditions, it must be removed immediately. I request a written response confirming the removal of the unauthorized inquiry. 

I look forward to your prompt attention to this matter. Please do not hesitate to contact me if you need any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681b Permissible Purposes of Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines the circumstances under which a credit reporting agency may provide a consumer report. The permissible purposes include : In response to a court order.

With the consumer 's written consent.

In connection with the extension of credit, employment, or insurance, provided that the consumer initiated the transaction.
Product: Money transfer, virtual currency, or money service

Back in XXXX, we did a transaction of {$300.00} through XXXX XXXX for sports tickets. The tickets turned out to be fake. The XXXX XXXX account is linked to our debit card. We received a text from the bank stating the transaction was suspected scam. It read something to the effective decline transaction. When we first looked at the text, we thought it said do you want to decline the transaction so we hit yes because the bank had advised it may be possible fraud. However, after rereading the text message, it asked if you want to authorize this transaction so once we realize we called the bank right away And explain the situation. We didnt want the transaction to go through. At that time we were told the transaction was pending, but would likely be reversed, but I would have to wait and see what happens in the next few days. A few days later, the amount was debited from our account. I was told that I would have to file a claim. I filed the claim. I explain the situation. After about a week, we received a letter saying that the claim was denied my bank advised we need to go through XXXX XXXX to file the dispute. I called XXXX XXXX and put in a claim with him. They referred me to my bank so again I called my bank. They said they were gon na submit it for another review. In the meantime, I filed reports with the Federal Trade Commission, my local police department and XXXX XXXX that this was all fraud. The last few months have been back-and-forth with the bank and XXXX XXXX trying to get these funds back. I have spent countless hours of my own time trying to get this figured out, I have tried to reach out to the corporate office at the bank and was basically told the same thing. Ive been told theres nothing they can do. I realize we made the mistake, but we called literally seconds after I have done everything that they have asked for it was linked to my debit card, and I feel as though my bank should help me out in this case, but they are not, neither is XXXX XXXX. so now I am left in the middle. They each tell me I have to go back to them. I need to get a resolution to this as thats a lot of money and its been going on for months. Please help me. I will gather any documentation you might need. Im doing this from my phone at the moment so Im not able to access the documents.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit fil
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows a credit card account which is not mine. The account shown by Experian is : XXXX XXXX XXXX, Account # XXXX, reported as opened XX/XX/2003, with a current balance of {$10000.00}. I have never had, nor been associated with, a revolving credit card account from XXXX XXXX XXXX opened on XX/XX/2003. Despite numerous calls to Experian, and further attempts to remove this incorrect information, they have not done anything to remove this fraud. This incorrect information is causing me considerable damage to my credit reputation and needs to be removed pursuant to the FCRA, which states that only correct information be reported to a credit file.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, witch violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenient and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Only 1 checking account. No credit card, no savings account, no secondary account to overdraft from. Regions charged daily overdraft fees of {$100.00} when there is no overdraft protection on the account ( this was verified and no option to disable because there is only 1 checking account ). Regions also prioritized transactions to force drafting the account into negative status ( that was observed by seeing smaller transactions pushed to the end to allow for larger transactions to force the negative balance in the account ). Regions also withholds transactions from the customer being to see and dispute them. This was also acknowledged by the teller ( have screenshots of the conversation ). They limit what you can see by 15 transactions per day, hence, why they purposely prioritize smaller transactions to meet that 15 transaction limit and hide what they are really doing, which is to charge you overdraft fees on an account that has no overdraft. This prevents you from disputing charges because they forcibly limit what you can see and mark it as pending for up to 5 days. I also disabled all transactions to the account AND enabled their lockit feature but transactions are still being let through even when that feature is enabled. If you tell the bank FREEZE my card/transactions, they don't do it and pick and choose what to send through or not. I have evidence of this as well. When I looked through their website it says " Regions reserves the right to change, at any time, the types of transactions blocked or not blocked ... '' They literally confess on their site that they can willy nilly choose, at any time, what they want to block or not ( took screenshots of that as well ). On top of that, I disputed a charge ( service was cancelled and the company failed to refund people ), when into a branch, worked with a teller, kept getting the weekly " we're working on it '' explanations, the teller LEFT the branch and nobody took over their cases and I went to another branch where the manager said I have to contact the fraud department directly ( which I should not have to do because I went into a branch and provided all of the evidence they requested ) and they closed the case knowing this was to be refunded but opted to close the case with no decision. Evidence was supplied, was verified by the teller, you can google the event being cancelled so there is ample and sufficient public evidence and the teller acknowledged that it was to be refunded but since they left their job, the bank does not want to honor their service.
Product: Student loan

I have the monthly payment set up on autopay, but they occasionally increase the payment amount by a few dollars. I'll then end up being a few dollars " late '' on my payment, they'll flag my account as delinquent, and charge me a bunch of late fees.
Product: Credit reporting

Experian is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to XXXX and as of the date of this complaint I have received zero proof from the results of our investigation. This actions of Transunion has resulted in denial of credit and violate FDCPA Recap : Error was detected on my credit report and filed an investigation into the matter utilizing Transunions online dispute portal Transunion dispute submitted on XX/XX/2020 Written dispute sent directly with the company ( XXXX ) that filed the incorrect information and company has failed to response as of the date of this compliant ( Sent Several Months Ago ). 
Despite no response from the company, Transunion verified the information Transunion has a duty to validate information, not pass the burden to the consumer This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA Similar to the previous civil ligation, I have received zero correspondents from XXXX. 
Company directly submitted information to credit bureaus without notification or validation and Transunion continues to furnish and sell incorrect information which has caused negative impacts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/17 I spoke to XXXX at IQ Data yesterday concerning an item on my credit report and he told me it should not be showing on my reports and he would have it removed ; although it would take 30 to 60 days to have it take off. 

A copy of the letter from IQ Data is attached.
Product: Credit card or prepaid card

I received an alert from XXXX XXXX about an inquiry and I thought it had to be a mistake because I have a fraud alert on my credit report. This was around the time of XXXX XXXX, which hit Florida. Then I received a letter from XXXX XXXX saying I was denied for a card but I never applied for a card. Also, anytime that credit is applied for, I am supposed to be contacted at the number on my credit report and no one called me. I see that they pulled my XXXX credit report which matched the credit pull alert that I received from XXXX XXXX. I just opened a credit card and had no need to open another and when I applied, this company called to verify it was me applying, which Sears did not. If they would have they would have been aware, I did not apply. The document had a reference number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX account # XXXX and XXXX XXXX  XXXX account XXXX XXXX has violated my rights. 
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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

TD Bank in XXXX MA has a sign on their door clarifying that per MA regulation, clients are to wear face covering. It further states that if clients are unable to do so ( e.g. for medical reasons XXXX, they will make alternative arrangements to deliver the service. 

Today I was refused access to my safe-deposit box because they determined that my face covering XXXX what they state they require, and also compliant with MA regulations that you have a fabric covering over nose and mouth ) was inadequate because a teller wanted a " mask. '' I explained that I was compliant with MA laws. I was told it didn't matter, that they had TD requirements ( which clearly contradict what their public notice declares ) and that if I didn't wear a mask they provide, they wouldn't serve me. That option wasn't practical for medical reasons. 

There should be accountability for capricious denial of service and access to my property.
Product: Credit card

in XX/XX/2023 I reported that my credit cards and bank account were hacked and that there were multiple transactions were made by someone else. I also informed them that I could not pay my bills because thousands were taken from my account. In addition, I have been texting this company because in spite of me telling them this, they were expecting me to make a minimum payment of {$1000.00} which is extremely high because of the fraud charges. I was told I had to make the minimum payment which I could not afford they refused to budge or provide proof that all the charges were all mine. this issue remains unresolved and they continue to report negatively to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that I owe XXXX XXXX XXXX in the amount of {$2100.00} as of XX/XX/. I dont have any business dealings with collections agency, hence this is incorrectly being reported. I pay XXXX  directly and I have documentation that shows I send payments directly to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ) Credit giant XXXX sent lenders incorrect credit scores for millions of consumers this spring, in a technology snafu with major real-world impact.

In certain cases the errors were significant enough the differential was at least XXXX points for around XXXX consumers that some would-be borrowers may have been wrongfully denied credit, the company said in a statement. 
XXXX ( XXXX ) fell about 2 % Tuesday on the report and were down nearly 5 % and shortly after the open Wednesday. 
The problem occurred because of a " coding issue '' when making a change to one of XXXX 's servers, according to the company, which said the issue " was in place over a period of a few weeks [ and ] resulted in the potential miscalculation '' of credit scores. 
While XXXX did not specify dates or figures, a XX/XX/XXXX alert from housing agency XXXX XXXX to its clients said XXXX told the agency that about 12 % of all credit scores released from XX/XX/XXXX to XX/XX/XXXX may be have been incorrect. 
XXXX wrote that " there was no shift in the vast majority of scores '' and that " credit reports were not affected. '' But the company declined to comment to XXXX XXXX about how people can learn whether they were among those whose credit scores were incorrectly reported and what recourse they may have if they were issued loans at a higher rate or denied a loan outright because of the snafu.

15 U.S. Code 1681- Congressional findings and statement of purpose ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX and possible other credit reporting agencies to come have not displayed responsibilities with fairness, respect, or privacy in relation to consumers credit reports by admitting to these statements XX/XX/2022. I have a right to demand any unfamiliar, incorrect, or inaccurate information be removed from my credit report, immediately. As this mishandling of information has put my family in a state of suffering and need to be resolved immediately. XXXX needs to be held accountable even if that means paying individuals affected, especially myself.
Product: Mortgage

Right path servicing said I do not have the same rights as a borrower. A successor in interest can not sign a Covid agreement. They received a inflight Covid agreement from my prior Morgage company but they do not have to honor it. They know about 12C.F.R. 1024.31 but that is just some rights not the same rights as the original borrower. I can not make electronic withdrawal payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of InquirXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXXXXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX