23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian is a credit report agency. In order to view your credit report with your score you must pay {$1.00} and then they AUTOMATICALLY enroll you in their credit monitoring service for {$21.00} a month. There is no way around this. Then if you do n't cancel within 7 days, they charge you the {$21.00}. This is in small print. They do n't send you a reminder email or anything. They are hoping that the average consumer will forget about it until they charge you. Then, even if you cancel as soon as they charge you, they will not prorate any of the money back to your account. This is not fair to consumers. The onus should not be on consumers to opt out of something seven days later. You should be able to opt out of the service immediately. Also, if you cancel they should prorate the unused portion of the service. A company SHOULD NOT be able to rob hard working Americans of {$21.00} through these sneaky tactics. I expect more from an agency who is has so much power over the livelihood of American, but instead they are robbing us. CFPB, please make this company change this policy. It is unfair and predatory and this company is making money not by providing a service, but by hoping that Americans are inattentive and forgetful. It 's not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration with the ongoing dispute regarding negative items that are inaccurately listed on my credit report. Despite my repeated efforts and communication with your company these erroneous entries continue to affect my credit score adversely. 

-- -- -Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XX/XX/2020 I sent out certified letter with return receipt to Equifax Information Services LLC at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and no response. I also sent out certified letter with return receipt to XXXX  on XX/XX/2020 at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) Dealerfund : is still on my credit report with Equifax deleted off the other two bureaus 2 ) XXXX XXXX  ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX XXXX XXXX : was deleted 4 ) XXXX XXXX XXXX : still on my credit report should be deleted 5 ) XXXX XXXX XXXX : still on my credit report should be deleted 6 ) XXXX XXXX : still on my credit report should be deleted. 

None of the credit bureaus or creditors/collections have proved me with proof of what was ask for in the letters that were sent. So, by law these item should be deleted if no proof was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is aware and has proof that Experian is in violation of USC 1681c-2 ( a ) ( 2 ).
Product: Vehicle loan or lease

XX/XX/XXXX me and My Wife went to freedom XXXX XXXX and XXXX in XXXX XXXX we wanted to explore the lot to look for something reasonable that we could afford and they put us in a XXXX XXXX XXXX. The price was XXXX by the XXXX XXXX XXXX. The interest rate came up to XXXX then the same day it went up to XXXX. They added My Wife on the contract with me. They took her off and left me on there with her income stating that I was making {$3200.00} a month but that was a lie I was only making {$2600.00} a month. Shes not on the contract its only me for the vehicle that I have is {$1100.00} a month. I was supposed to be a cosigner for My Wife the bank that they giving me is in Texas. I have no clue about Ive contacted the bank numerous times, and told them that I could not afford this vehicle I wish to trade it in, they told me I could not try the vehicle because the loan was too high Me and My Wife went to three different car lots and they told us they can not take the vehicle because it was from XXXX. Another car lot told me that were upside down because they added on XXXX more dollars on the vehicle. The bank knew all about what XXXX XXXX he did, Ive contacted freedom XXXX back in XXXX when I got the vehicle and asked him could I trade the vehicle in because the monthly bill was too high and I can not afford it anymore. I need something cheaper. I also try XXXX XXXX and my credit score is just too low for me. I dont have a license or permit, so My Wife has to drive the car, the bank is not doing anything about it. XXXX just saying that they are going to repossess the car. If I dont start making payments, I have other bills I have to pay XXXX XXXX by my own food. I cant afford that monthly payments just too high.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/21 I was looking for a home energy improvement loan through the XXXX  project. XXXX XXXX XXXX it gave this informatrion : XXXX XXXX is the public-facing platform of the California XXXX for XXXX XXXX XXXX XXXX XXXX ). 

The XXXX is administered by the California XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ), a state agency housed in the XXXX XXXX XXXX. The XXXX XXXXnd a series of energy efficiency financing pilot programs were authorized by the California XXXX XXXX XXXX XXXX XXXX XXXX and developed in collaboration with the investor-owned utilities : XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Financing are paid for by investor-owned utility ratepayer program funds It lead me to this ; XXXX XXXX XXXX XXXX XXXX 3.49 % to 5.49 % XXXX {$200.00} Cash-Back Offer Minimum XXXX XXXX Contact info ( XXXX ) XXXX option XXXX Email My XXXX XXXX at that time was XXXX but I was turned down and now have a hard inquiry on my credit report. The process was deceptive. I would never had applied had I known that even meeting their criteria they would turn me down. I want this inquiry removed from all three of my credit reports.
Product: Debt collection

I received an Email and then a phone call from Everest Receivable Services indicating that I owe {$890.00} for a XXXX XXXX XXXX account , an account I've never had, much less any bill in that amount. 

I know which credit cards I had and which bank account I had, neither of which belonged to the above-mentioned bank or credit card. 

At one point, I recall getting a notice regarding XXXX a few years ago. It was indicating I owed monies. I responded informing them it wasn't mine and to please stop contacting me. I also put this same response on my credit reports, as well. 

The notifications ended and thought it was done until this email this morning from ; Everest Receivable Services. 

I've had my identifying information stolen twice since I was XXXX and robbed. My youngest brother and I have almost identical social security numbers, our last number is just one digit off from each other. 

I thought I had taken care of this issue... This morning has proven not to be so. Sending an Email is definitely unacceptable communication! Other people can open or hack Email accounts!
Product: Payday loan, title loan, personal loan, or advance loan

I did consolidation loan with XXXX XXXX. This loan was to cover my XXXX outstanding credit card balances. XXXX and XXXX are showing paid, my Apple Card ( issued by Goldman Sachs ) is not. I closed my Apple Card in XXXX of 2023. Because of this, the virtual card number was no longer available to me in the XXXX XXXX. I had to call Goldman Sachs at XXXX to request my Apple Card account number. The frontline agent provided me with an account number to provide to XXXX. From XXXX  end, this debt shows paid as of XX/XX/2023. On XXXX, XX/XX/XXXX, I contacted Goldman Sachs at the number listed above to request an update on why the funds have not been paid to my Apple Card account. I provided the supervisor with the Apple Card account number that I was provided, and it was uncovered that what I was provided was an internal account number that was NOT supposed to be provided to customers. The supervisor apologized profusely, and reassured that she will be opening a payment inquiry to locate the funds. Now the {$4300.00} is floating up in the air, most likely stuck in a ledger at XXXX, but the interest and late fee penalties will not stop as I still owe my balance on my Apple Card. I was misled, leading to believe that my debt would be paid with the account number I was provided. When I further questioned the Goldman Sachs supervisor on what they expected me to provided XXXX to pay the debt, I was told that I was to provide the phone number linked to my Apple ID or my Apple ID email address. This does not make sense. I want the money located and the account paid so I can be done with Goldman Sachs/Apple Card XXXX On XX/XX/2023, I contacted XXXX  to request for my payment inquiry to be expedited due to agent error and I was advised that my complaint will be forwarded for review. Something needs to be done. By no means in this XXXX  fault as they did as I instructed. Goldman Sachs needs to be held accountable and backdate the payment effective date of XX/XX/2023 and delete the credit bureau reporting as thus account should be PAID OFF.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report for my whole life had been over XXXX until I bought a Toyota and traded it in for a lessor quality Toyota and then Surrendered it for the first time in my life. Then Got hurt on the job and my employer did n't pay the bill and I did n't know for 3 years. Its all taken care of except for my STILL low credit score. Could yoy please look into this and let me know why my score is so low still. Thank you, XXXX
Product: Credit card or prepaid card

I purchased XXXX American Express blue bird cards to pay my mortgage the company that contacted me had all the information my house company had and I believed it was my mortgage company and come to find out it was a fraudulent company that had got my companies information. I went and got the cards to pay my mortgage and told me to pay it using the cards so we did. Then the real mortgage company called me and told us they hadnt received our payment. So I called the fake company back with my real mortgage company on the call with us and he listened in asking for information on who they were on a recorded line and they would not give him any answers and hung up and now we are out {$830.00}, {$410.00} on each card because this company scammed us. We called the number on the back of the card gave them the information all over again sent everything they needed in an email and they are giving me the run around hanging up on me when trying to get a case number. I believe the company that pretended to be my mortgage company has connected to the phone numbers on the back of the bluebird cards and are just trying to get people information.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX ( Original Creditor : XXXX ) Account number : XXXX
Product: Credit reporting or other personal consumer reports

Someone took a {$50000.00} Personal loan in my name that I did NOT authorize. This is considered FRAUD! According to the ( Fair Credit Reporting Act ), Legally these unverified & unauthorized items must be removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Number : XXXX XXXX XXXX ( {$1000.00} ), XXXX XXXX XXXX XXXX XXXXXXXX  ( {$380.00} ), Acct Number : XXXX XXXX XXXX  ( {$110.00} ), Acct NumberXXXX XXXX XXXX XXXXXXXX ( {$430.00} ), has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Ad Astra Recovery Services is currently reporting on my credit reports for XXXX XXXX, the loan was assigned XX/XX/XXXX, I disputed it XX/XX/XXXX, the amount is showing XXXX, I have never done business with Ad Astra and I never had a contract with them, before I changed numbers they contacted me saying I was committing a crime and a warrant would be issued for my arrest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/Equifax credit bureau is send pre-typed letter that is not irrelevant to my issue. They also sent two letters to an unknown person further proving the responses are automated. I keep receiving the same response for every complaint I submit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$43000.00} XXXX XXXXXXXX Balance : {$43000.00} XXXX XXXXXXXX Balance : {$36000.00}
Product: Credit card

I've been struggling with this dispute for some time now. It has been opened and closed numerous of times as there has been no resolve. The transaction is for - {$1800.00} transaction from XXXX on XX/XX/scrub>XXXX XXXX XXXX. 
have disputed this multiple times and submitted the information that states I had insurance on this transaction and it was covered for a full refund However, this company is not abiding to their end of the agreement, even though I have submitted the insurance statement and insurance number to Goldman Sachs, they continue to close the dispute, l 'm not sure what else I need to submit however I am not responsible for this transaction, I paid additional for ensures and it states I'm entitled for a full refund.
Product: Credit card or prepaid card

Both accounts were closed by company with a {$0.00} balance and an over {$2000.00} credit line available to each card. Capital One & XXXX XXXX, with NO EXPLENATION of closed. 
CAPITAL ACCOUNTS Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 
View Details Report XXXX Date XXXX XXXX, XXXX  Before After This item was deleted. 
XXXX  XXXX XXXX  NA Account XXXX Deleted This item was removed from your credit report. Please review your report for the details. 
Report XXXX Date XXXX XXXX, XXXX  Before After This item was deleted.
Product: Debt collection

I received a call stating that I owed {$440.00}. I tried to explain that due to COVID-19, I was not working and although I did not remember the debt I offered to settle. They refused and told me that will keep pushing it on my credit report until paid.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXXXXXX  I filed a complaint with XXXX XXXX because I had so many problems with my XXXX XXXX XXXX XXXX. Broken gas tank etc. car was in the shop for days and I felt l could not rely on the car. 

I called in XX/XX/XXXX to check on the complaint and I had to file all over again because XXXX " Lost '' my complaint. 

I deferred my payment to XXXX, later they clain they couldn't find the deferment and penalized my credit XXXX points. 

Bottom line is that this car lease and car have been returned and satisfied to XXXX XXXX. 

They penalized my credit again- and I have no idea why? I did not give anyone permission to run my credit. 

I want XXXX to fix this issue and remove it from my credit. Everything has been paid. 

I don't have they car XXXX does.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX
Product: Debt collection

I C System Inc has a debt reporting on my credit report that does not belong to me. I 've requested that they remove this debt by sending a certified letter, in XXXX and then again in XXXX, as of today i have heard nothing from reporting creditor, but they 're leaving comments on my report. The debt in question was opened in XXXX/XXXX/XXXX for XXXX for a XXXX account that i know nothing about.
Product: Credit reporting or other personal consumer reports

For the last 6 month I have been sending information to the three major reporting agencies, ( Equifax, XXXX, & XXXX ). Disputing inaccurate information reporting on my personal credit profile, as a result of identity theft. I wrote letters listing the accounts numbers in question, the dates, and amounts. I also provided police report, the claim information from the FTC and now the CFPB. They continue to say it been verified. This has become an epidemic identity theft is out of control. These are things that should be on the floor when it come to politics.