23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

A door to door salesperson came to my house trying to sell me a home alarm system. HE asked me to fill out an application and I repeatedly told him I did not want to if it would result in a credit check. He reassured me multiple times that it would not result in a credit check. After enough of his statements to me did not make sense, I ended the sales pitch and did not sign up for anything. A day later, I got a credit alert saying my credit was run and now it is impacting a home loan. I called the company the day after the credit alert as well as their lender who checked my credit, Citizens Bank, and they all agreed to remove the inquiry. Turns out, they didnt. I never consented to a credit check and they specifically told me there would not be a credit check.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 



XXXX XXXX ( Bank ) XX/XX/2022 - XXXX XXXX ( Miscellaneous ) XX/XX/2022 - XXXX XXXX XXXX ( Bank ) XX/XX/2022 - TRANSUNION XXXX ( Miscellaneous ) XX/XX/2022 - TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts in question are IN COLLECTIONS : XXXX XXXX : XXXX Unknown Collection Agency : XXXX XXXX XXXX XXXX : XXXX The account in question which is closed and has a ton of INACCURATE INFORMATION : XXXX XXXX XXXX : XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX A BOUT THIS credit report and found some addresses that appear incorrect. Not only did I find addresses, but I TRANSUNION. 

I looked over the ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 

TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE 15 USC 1681CTAKEN OFF ASAP. 2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!
Product: Credit reporting or other personal consumer reports

I got a copy of my credit reports and notice some fradulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$100.00} XXXX   XXXX {$7700.00}
Product: Money transfer, virtual currency, or money service

We own a XXXX XXXX company, in which a client paid us {$40000.00} through square. Her payment cleared 3 weeks ago and they are refusing to release our funds. That money is to be used to purchase her XXXX XXXX products if we dont have the money, we can not provide the XXXX or service. Our company is a small business and because of this refusal to release our funds, we are going under. We can not afford to lose our business, as it is our livelihood and we will in turn, lose our home. 
Every time we call them, we are told, it is under review with the review team and we will be contacted in 1-2 business days if additional information is needed. We have provided every documentation needed, as they come up with something new each week. We can not afford to wait much longer.
Product: Money transfer, virtual currency, or money service

I completed a transaction with a buyer on XXXX on XXXX/XXXX/XXXX and payment was made to my PayPal account. The buyer then claimed my item did not arrive and opened a dispute. I tried to inform PayPal that this was simply not true and I spoke with the employees at the place my package was sent to but I heard nothing back and the money was removed from my account on XXXX/XXXX/XXXX. The person who bought my item was using a third party shipping service. This means I ship to that business and they ship to him in XXXX. It is unfortunate that my attempts to prove the buyer was lying went unheard and essentially the money was removed unfairly
Product: Mortgage

XX/XX/21 I am having trouble receiving my escrow refund from Specialize Loan Servicing after refinancing my mortgage loan with them. My mortgage loan with Specialized Loan Servicing was paid off in full on XX/XX/21. I am due an escrow refund of {$6500.00} which I have not received. I was told by the escrow department of SLS that a check for this amount was mailed out on XX/XX/21. The check to this day has never arrived. My mailing address has not changed and has been verified. I was told that all they could do is stop payment on the first check and reissue a second check. The second check was apparently mailed out on XX/XX/21. To this day I have not received the second check! I called the escrow department again today and was told all they could do is issue another check which will take a week to mail out. I live in XXXX, XXXX XXXX'm told the check is being mailed from XXXX  The fact that I have not received either check after 2 months makes me question whether they are indeed mailing out these checks! Please look into this matter. I'm very concerned that I will never see my refund. Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

Account Name : XXXX Account XXXX : XXXX
Product: Student loan

To Whom It May Concern, I am still waiting for XXXX  previously XXXX XXXX to send me my promissory note for my federal loans. I have contacted them numerous of times and they will not provide this information, and they will not provide my payment history regarding the federal loans I had with them. They tell me that the loans were sold to the US Dept. of Education. This is true. The issue is that I paid the loans off before they were sold to the US Dept of Education and the balance was then passed on to the US Dept of Education, which should have never happened because I paid the loans off. Your help and assistance with this matter would be greatly appreciated.
Product: Checking or savings account

My Navy Federal Account was charged overdraft fees numerous of times back in XXXX and XXXX, and XXXX of XXXX
Product: Credit reporting or other personal consumer reports

I called credit bureaus several times and sent in disputes by mail to remove inaccurate personal information from my credit profiles and have failed each attempt. The addresses and personal information that Im trying to remove from my credit profiles are as a result of fraud and do not pertain to me personally, and I would like that information removed as soon as possible.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Prepaid card

Gave a {$100.00} prepaid debit card to my daughter for a birthday present. She went to use it at the mall and it was declined as it had no PIN number associated with it. US Bank claims it was fraud and shut down the card. Have mailed in copies of Driver 's license and card info, only to be told the FAX was not legible. Then tried faxing in twice, only to be told wrong format or not legible on their side. US Bank will not provide alternate way to upload picture or pdf of license and locked card of better quality. Always get different information from their reps, go back to website, ( but card is locked- so directs you to call in again. ) Then direct you to fax in again. ( But fax quality on their end is horrible, so at a stalemate. ) I have put in considerable effort to get the {$100.00} on the card back to us, but to no avail. Sounds much like the issues they had back in XXXX with prepaid debit cards. 
Would like to be part of a class action lawsuit if they can not figure this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

in 2011 XXXX located at XXXX XXXX XXXX XXXX XXXX, OH XXXX charged me {$3900.00} for an apartments i co-signed with my ex wife. First, They refused to show my wife the apartment before signing the lease. After signing the lease the actual apartment was filthy, muddy and had sign of roaches. My ex-wife asked to cancel and they refused. They stated they would charge us XXXX months of rent regardless they rent the place the next day. They did surprisingly. It 's been reported on my credit with National Credit System, a collection company. When i contacted the manager for XXXX XXXX they refused to talk and stated i would have to talk to the collection agency. This is a violation of my rights as a peaceful citizen and a tax payer. This is a fraud since they key was never handed to us and we never had to move either since they refused to show us another apartment or even cancel the lease which they promised to do if we did not like the apartment. This place is a total bluff and a scam.
Product: Consumer Loan

I filed a complaint to you back in XXXX 2015 due to the company was calling me to early in the morning. I live in Arizona and the law here is no calls before XXXX. The company American Credit Acceptance called me after you sent the dispute and apologized, but after that I have not received any correspondence from them no monthly statements or calls. They stated I put in a request for them not contact me which is not true. When I spoke to someone with the company they never stated all correspondence would stop.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report in XX/XX/XXXX, I found a XXXX  XXXX XXXX " partial '' credit card account that did not belong to me ; it was apparently opened in XXXX of XXXX and closed in XXXX of XXXX as a result of missed payments. I disputed this with Experian and verified the error with the Bank on XX/XX/XXXX. On XX/XX/XXXX, Experian informed me they completed their dispute review, keeping the erroneous account in place.
Product: Bank account or service

Well I have had problems with accessing my account online and that is the only way I can get any information or do anything that has to do with my account other than getting money. Everything else is impossible because that 's the only way you can .I 've emailed the president of the company ( Netspend ) that is were my government XXXX gets direct deposit to. Now I have been contacting them about this problem for 5 years. I just recently have emailed there President twice now and he had some lady contact me and all she could say is to click on forgot password well I have tried XXXX of times over the years and I told her that and nothing even if I call they just have me do what already have been done XXXX of times before and that 's the far as it gets.
Product: Money transfer, virtual currency, or money service

Im am trying to file a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which goes against and violates the Consumer Financial Protection Atc ( CFPA ). Cash App failed to take action in a timely and effective measure to prevent my address and fraud on their platform, this not only left my account vulnerable and non protected, which now my account seems to be hacked and i am getting unrecognizable charges that i did not make. They did not take any action upon my multiple reports and complaints, They did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, This has caused me significant inconvenience and financial harm. i am seeking appropriate redress for these violations.
Product: Credit card or prepaid card

My wife and I wanted a treadmill. We contacted XXXX and discussed ordering a treadmill with them. Next thing I knew I had a credit card account with them. I did not order a treadmill or attempt to get financing for one. I can see from reviews of XXXX XXXX online that I am not the first to have this happen. I have never received any merchandise from this company. I have not signed or agreed to anything from this company. I do not owe this company any money. They have since sold the account to a debt collector and now I am getting harassing phone calls and certified mail. Now they say I owe them {$760.00} and I have zero products or services from them. I am worried they will now try and sue me for something I didn't authorize or receive. Please help.
Product: Payday loan, title loan, or personal loan

The term of the loan was XX/XX/XXXX - XX/XX/XXXX. XX/XX/XXXX was first initial payment of {$160.00}. I have paid {$160.00} biweekly since XX/XX/XXXX and the payback totals well over {$600.00} ; which is the initial loan amount. According to XXXX contract and customer service representative, I still have another 10 payments to go. Their fees seem a little outrageous to me and how are they allowed to charge the consumer more fees. Their fees are higher and the terms are longer than the person to person payday companies. For now, I have stopped payments coming from my bank account, as it was accruing negative balances from the withdrawals of XXXX   XXXX. Depending on the outcome of this claim, if the remaining balance must be completed, it will be done on my terms and payments via mail only! will not allow them to have my bank account information anymore.I would like this company investigated for excessive fees and excessive terms of the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts I am not associated with, i do not have any contractual obligations to either one of them, due to the fact that the contracts were cancelled. The following accounts are ( 1 )  XXXX, XXXX, for {$680.00}, ( 2 ) XXXX XXXX XXXX, XXXX, for {$230.00}, ( 3 ) XXXX, XXXX, for {$1200.00} .., No Contract!!, and within the laws of the FCRA, one must  delivered physical documentation of these accounts if not then the reporting agencies should remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When applying for credit I was informed of information on my report from several creditors that are reporting inaccurately. This information is inaccurate because the last date of activity is not correct. I disputed this information with the credit bureaus and the information remained even though it is inaccurate. The last date of activity has been re-aged on several old debts.

I have listed the debts below in which the re-aging occurred.

XXXX XXXX - {$860.00}, last day of activity XX/XX/XXXX XXXX XXXX - {$480.00}, last day of activity XX/XX/XXXX XXXX XXXX  - {$450.00}, last day of activity XX/XX/XXXX XXXX Unknown account XXXX - {$2200.00} last day of activity XX/XX/XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX XXXX - {$1900.00} last day of activity XX/XX/XXXX XXXX XXXX - {$890.00} - open date listed as XX/XX/XXXX but was opened in XXXX, last day of activity was in XXXX. This was previously a XXXX account. I returned the phone before I went to XXXX XXXX XXXX. 

XXXX XXXX - Duplicate, original creditor was XXXX, last date of activity was XX/XX/XXXX. 

Capital One {$480.00} the account was opened in XXXX. The last date of activity was XX/XX/XXXX. 

XXXX {$280.00} account was opened in XX/XX/XXXX. The last day of activity was XX/XX/XXXX. 

The re-aging of these old debts has caused me harm and has impacted my future in negative ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey Guys. Hopefully you can help me out. I sent a letter to the credit bureaus over 2 months ago and I haven't gotten nothing back. Aren't they supposed to respond to me in 30 days? It's been more than twice that with nothing. Can you check into this for me please?
Product: Student loan

Federal Student Aid instructed my loan servicer to refund the student loan payments I made during the processing of my Total and Permanent XXXX ( TPD ) discharge. XXXX XXXX records indicate that a refund check was mailed to my known address on XX/XX/year>. Despite this, I have not received the refund as my loan servicers records indicate. The loan servicer should be aware of whether the check was deposited in my bank, but it can not be because I never received the check to deposit it. 

This is not the first instance of miscommunication between my loan servicer and the XXXX XXXX XXXX body. It took my loan servicer XXXX months to process the discharge under the TPD. Communications between me and the loan servicer have been inconsistent, resulting in varying responses to my inquiries. Given the availability of good records, the refund should be processed promptly. 

My primary objective is to receive the refund I am entitled to during the discharge process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$200.00} XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$6300.00}
Product: Vehicle loan or lease

I had a vehicle that ended up being repossessed however XXXX XXXX XXXX has failed to provide the requested validation of the alleged balance owed. I am not debating whether or not the car was repossessed but based on the repossession laws of my state, I should've been sent a Notice of my right to redeem the car as well as a Notice of what the lender intends to do with car and whether or not the car will be sold at a public sale. I did not receive either of those notices nor was the balance owed adjusted if the car was sold. 

The inaccurate reporting of this account is severely damaging my credit and I would like to have it remedied as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX : {$14000.00} XXXX XXXX* Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance XXXX {$14000.00} XXXX XXXX Balance XXXX {$12000.00}
Product: Credit card or prepaid card

We purchased furniture at XXXX XXXX who stated we were approved for a line of credit through Great American Finance back in XX/XX/2020. My husband contacted GAF at to see when payment will be due he was told that statement wasnt generated it can take up to 45days for first statement to generate and that we will receive statement in the mail of when payment is due and the amount. We never received statement we have been staying at the same address since we acquired the furniture.We then reached out to GAF in XX/XX/2020 regarding not receiving statement and how it shows they have been reporting late payments/nonpayments since XX/XX/2020. I made a {$300.00} payment at that time, as well as provided the correct address-and asked rep if late payments can be removed since we never received statement rep stated no we would just need to make payments here on out to avoid further negative reporting. Still to this day have not received a statement at my correct address. I have tried to settle this acct for what I deemed reasonable. I dont think its fair that GAF can report negatively on someones credit when they have not provided them with the correct information to pay the bill on time. The address they have on record is still not the correct address after providing them with the correct address.