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

As of XX/XX/XXXX of XXXX I XXXX XXXX have not been able to reach a resolution to significant reporting errors within my consumer reports provided by Experian and reported by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX is reporting a Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with XXXX XXXX, only XXXX XXXX ) discharged through Chapter XXXX Bankruptcy, I had filed this Chapter XXXX bankruptcy on XX/XX/XXXX, confirmed on XX/XX/XXXX and completed and discharged on XX/XX/XXXX. 

However this account as well as several other accounts were not allowed or were not part of this or any other bankruptcy ( see included documents ). XXXX XXXX XXXX XXXX is reporting that the account in question is open and past due 180 days. The debts in question were settled or paid on XX/XX/XXXX in the sale of the property in which the XXXX XXXX XXXX XXXX XXXX Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with XXXX XXXX, only XXXX Bank )  and XXXX XXXX XXXX XXXX Conventional loan were associated with ( see included documents ) and again this was not part of the Chapter XXXX bankruptcy or any other bankruptcy. 
I am asking the CFPB to assist in getting these issues resolved as they are preventing me from gaining a fair rate mortgage on the property I am currently residing in. If a resolution can not be reached within thirty ( 30 ) days of this complaint being submitted by the CFPB to the named parties or this complaint is closed without significant and meaningful response from Experian and or XXXX XXXX XXXX  XXXX XXXX and or XXXX XXXX XXXX XXXX, I will be forced to take legal actions under the FCRA and FDCPA laws and regulations including but not limited to damages, injuries and or financial burdens occurred. Since I have made several attempts to resolve these issues with Experian, XXXX XXXX XXXX XXXX   XXXX and XXXX XXXX XXXX XXXX, I am only to assume that this is a willful intent to disregard or ignore my previous complaints. This is my final notice to Experian, XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX in regards to these specific complaints before taking legal action. 
Included with this complaint is my bankruptcy creditor ( s ) allowed schedule, letter of discharge, Release of Mortgage, Closing Disclosure, Credit report ( s ) with discrepancy in reporting, letter of payoff or paid in full and no balance due, previous correspondences with Experian, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX also included is Experian, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX responses to the aforementioned correspondences and this formal complaint letter.
Product: Student loan

On XX/XX/XXXX I paid XXXX to sallae Mae for our agreement to pay {$220.00} of interest in addition to {$110.00} for the principal. My due date was XX/XX/XXXX so I decided to pay it early with extra. When I did this I received a hit to my credit score because they didnt process my payment instead I received numerous emails and calls telling me Im late on payments and that ironing the risk of delinquency. In addition, to receiving a hit to my credit score. I ended up calling sallae Mae and speaking to them and they said theyre sorry and that they would fix it but I would still need to pay XXXX on XX/XX/XXXX. I then asked them why cant they use my XX/XX/XXXX payment for the {$220.00} payment they then agreed and then I asked would I get the {$110.00} left over back which they added they would add to the principal instead. Shortly after this I took another hit to my credit score. Following this I recently called sallae Mae again and they informed me theyre fixing it in the system and that they will fix the hits on my credit score. The balance was decreased on my score but I still have had my score drop 60 points just off of a mistake they made all because I chose to pay them on time. I lost my Job due to corona virus and still have not been called back to work. They have no agreed and have been very abrasive when it came to lowering my payment during this crisis from the start. They also told me I have to pay {$150.00} to go into forebearance and even though Im not working at all even though before corona i have been a enrolled in direct debit and Ive always paid on time. I just feel like this company is very crooked in their business practice.
Product: Money transfer, virtual currency, or money service

A peer to peer crypto exchange platform called PAXFUL or PAXFUL.COM put my account on hold without providing any reason. They also restricted my account and all my money for 3 months which is totally unacceptable. This Paxful company is a scammer company I didn't know about it I am sorry but sooner or later they ban you or hold your money sometimes for years. I am sure there was a lot of complaints against this company and I am one of the victim who lost his money on this PAXFUL.COM Scam and also rest of my money was hold in their hands and they do whatever they want with it. How can this Paxful Scammer be so comfortable to do all this bad things and still getting away with it. PAXFUL Should be banned, PAXFUL IS A FRAUD SUPPORTER AND SCAM PROTECTER. PAXFUL will steal people 's hardly earned money with providing safe looking platform but everything is a lie PAXFUL.COM is a SCAM
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, ( hereinafter Consumer ) is writing to remove the cease and desist from the account, and to request the Purchase and sale Agreement, between assignor and assignee in the chain of title. ( ( PLEASE SEE ATTACHMENT ) )
Product: Debt collection

On XX/XX/2020 CommonWealth Financial has flagged my XXXX  account as Collection. CommonWealth Financial has alert XXXX  that I, XXXX XXXX XXXX owe them a balance of {$65.00}. And again 0n XX/XX/2020 CommonWealth Financial alerted XXXX  account of a balance of {$1300.00}. On XX/XX/2020 Commonwealth Financial flagged my XXXX  account with the negative reporting with the same above balance. I went into investigating how did this collection agency or CommonWealth financial in this matter received my information from, and I found out that the original debtor is XXXX XXXX XXXX. I did looked into the doctor offices visits and any XXXX  XXXX I received in XXXX  and I have never been to this medical office in the past or received any XXXX XXXX at this location. Also I did not received any letters or emails from Commonwealth Financial regarding a dept that I owe, or try to reach out to me to resolve the debt issue. I have attached a copy of my report with the accounts in question circled. This false reporting has had impacted my credit score and credit report so negatively that my score went from XXXX credit score to XXXX and continue to decrease ever since. I believe that there is incorrect information that I would like to remove from my experian credit account and would like to restore my credit report and score back to normal. 

there is incorrect information on your credit report that you want corrected or removed.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed Inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that I did not authorize or request.
Product: Credit reporting or other personal consumer reports

XXXX is still reporting this account which the CFPB states is not reporting. Attached is the proof of it still reporting
Product: Prepaid card

On Saturday, XXXX XXXX, 2016, I received a call at my business saying that it was the gas company XXXX XXXX XXXX XXXX. They said that I had an overdue balance of {$490.00} and that I had to pay it immediately or my gas service would be disconnected, and my business depends 100 % on gas. They told me to purchase a prepaid card with the amount due on it ( {$490.00} ), and that when I got it they would give me instructions on how to give them the card information in order to avoid having my gas service disconnected. And I did so. I purchased a card called Reloadit with the amount off {$490.00} on it from the XXXX located at XXXX XXXX XXXX. But a few hours later I realized that the gas companys ( XXXX XXXX ) offices arent open on Saturdays, and that I had been a victim of fraud. 
I called Reloadit to see if I could cancel the payment process to the person who defrauded me, and it appeared that I had called in time to cancel the payment. 
The Reloadit representatives gave me a case confirmation number : XXXX. 
Three days later, a woman named XXXX called me from XXXX to give me a new incident number : XXXX. 
Since they hadnt called me back on XXXX XXXX, I called them again, and the representative XXXX gave me another case number ( XXXX ) and told me to send them the proof of purchase for the Reloadit card, plus a copy of the card with the numbers on the back of the card. She told me to send it by fax to XXXX, and I did so. 
They told me that it would take approximately one month to have my money returned. 
On XXXX XXXX I spoke with a man named XXXX, who gave me another case number ( XXXX ). And so it went : month after month I was assisted by different representatives who gave me different case numbers, telling me they were reopening the case, but they never gave me a solution or sent me the money. Ive already spoken with the manager and he hasnt given me the solution for getting back my money either. 

A few months ago I told them that if they didnt send the money, I was going to report them, either to the Better Business Bureau or the CFPB. 
Apparently they dont care. Ive given them several more months, and I still havent received anything. Please help me. 
Thank you.
Product: Checking or savings account

I had a XXXX XXXX Business account that I recently closed down. The entire account is closed and has been for several months. But every month XXXX still charges my account {$6.00} and every month I dispute it but then the next month Chase Bank lets XXXX take another {$6.00} for absolutely nothing.
Product: Debt collection

In or about XXXX/XXXX I cancelled a cell phone I was on month to month with through XXXX, but was still being charged monthly for the bill. I was sent to collections and disputed it and won. It was removed from my Credit. Approximately 4 or 5 years later it was put back on my credit, I disputed it and even had to go to the Arizona Attorney Generals Office to have it removed as not only was the charge not legitimate since I was being charged AFTER cancelling the month to month phone, for several months with the phone being shut off, but it was past Arizona Statute of Limitations Law ARS 12-543. Limiting the collection of a non contractual debt in AZ to 3 years. After the AZ AG was involved they had it removed from my credit, and now all of a sudden with no warning, no call, no mail, nothing, it is back on my credit report. The Supposed " debt '' is now over 7 years and violates AZ state law and violates the FDCPA laws. 

XXXX XXXX. Oral debt ; stated or open account ; relief on ground of fraud or mistake ; three year limitation There shall be commenced and prosecuted within three years after the cause of action accrues, and not afterward, the following actions : 1. For debt where the indebtedness is not evidenced by a contract in writing. 

2. Upon stated or open accounts other than such mutual and current accounts as concern the trade of merchandise between merchant and merchant, their factors or agents, but no item of a stated or open account shall be barred so long as any item thereof has been incurred within three years immediately prior to the bringing of an action thereon. 

3. For relief on the ground of fraud or mistake, which cause of action shall not be deemed to have accrued until the discovery by the aggrieved party of the facts constituting the fraud or mistake.
Product: Vehicle loan or lease

I returned vehicle XX/XX/XXXX so legally I should only be charged till the XXXX not all the way till the XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2023 Customer Service Department XXXX share Subject : Formal Complaint Regarding Overcharging and Refusal to Reimburse for Unused Days Dear Consumer Financial Protection Bureau and XXXX, I am writing to file a formal complaint concerning my recent rental experience with XXXX, reservation number XXXX, for a rental period starting from XX/XX/2023 to XX/XX/2023. 

Upon returning the rental vehicle on XX/XX/XXXX, I was dismayed to discover that my account was charged for a duration exceeding the agreed-upon rental period. Despite returning the vehicle as scheduled, I have been unjustly billed for additional days beyond my usage. 

Furthermore, despite numerous attempts to resolve this matter with your customer service representatives, I have encountered resistance and have been informed that the company is unwilling to reimburse me for the unused days erroneously charged. 

The specifics of my complaint are as follows : - I rented a vehicle for a period from XX/XX/XXXX to XX/XX/XXXX as confirmed in my reservation. 
- The vehicle was returned on XX/XX/XXXX, in adherence to the agreed-upon rental period. 
- However, I have been charged for an additional 3 days beyond the return date, resulting in an overcharge of {$170.00} on my account. 

I kindly request a thorough review of my rental agreement and the charges applied to my account. I expect an immediate reimbursement for the overcharged amount corresponding to the days I did not utilize the rental vehicle. 

If this matter is not rectified promptly and to my satisfaction, I will have no choice but to escalate this issue further through relevant consumer protection agencies and pursue all available legal avenues to ensure a fair resolution. 

I am willing to provide all necessary documentation, including my rental agreement, receipts, and any additional information required to facilitate the resolution of this dispute. 

I expect a prompt response and resolution to this issue within 7 business days from the date of this complaint. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copies of relevant documents
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has reported that Lexis Nexis provided them with a copy of my suppressed reported. I reached out to Lexis Nexis and they reported that the file is suppressed and was not shared with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, and XX/XX/XXXX Merchants and Professionals Collection Bureau , INC. ( a third party collection agency ) was contacted in regard to two fraudulent accounts ; XXXX XXXX XXXX XXXX in the amount of and XXXX XXXX XXXX XXXX in the amount of {$210.00}. Alleged debt for account XXXX on XXXX XXXX report was being reported at {$220.00}. XX/XX/XXXX XXXX credit report is now being reported at {$140.00}. 

An Affidavit of Fact was sent to XXXX XXXX XXXX of Merchants and Professional Collection Bureau XXXX Inc. XX/XX/XXXX. 

There has not been a VALIDATION of alleged debt by either XXXX or the third party collection agency. 

My credit profile that was generated XX/XX/XXXX, indicates that the " Account information disputed by consumer '', but it is still reporting negatively on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} NASA XXXX XXXX Balance Owed XXXX {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( date ) I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies received my CR report without permissible purpose according to 15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions and according to 15 USC 1681 section 602 states I have the right to privacy XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Credit reporting

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Opened a Discover Online Savings Account to get a {$50.00} Bonus by opening it by XXXX/XXXX/15 and depositing {$5000.00} by XXXX/XXXX/15 and using the offer code XXXX. They said bonus would be credited by XXXX/XXXX/15. I did n't receive the bonus on XXXX/XXXX/2015 and every follow up to their customer service has them telling me it will be an additional 4-6 weeks ( the last time they said 6-8 weeks ) after they verify that I 'm eligible and met the requirements even though I 've sent them the proof that I 've met the requirements. Now they say it wo n't be resolved until XXXX XXXX, 2015 and that would make it close to four months since opening the account, not the one month they stated I 'd have the bonus. Feel I 'm not getting any where with them and continued correspondence would be futile.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a martinet for research, I found that under section 605b of the FCRA you are required by law to eliminate & block any accounts or information which is found to be opened due to identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please remove the fraudulent accounts from my file! 

XXXX XXXX A XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase to buy and sell crypto currencies. On XX/XX/XXXX I contacted them to freeze my account because I thought that my account may not be secure. They froze it but when I asked them the next day to unfreeze it, they did not. For 10 days I have asked them to unlock my account. I have only received auto responses. No one has reached out to me and my account is still frozen. Since the time that I requested that they unfreeze my account, the value of my investment went down almost 50 %. I have no access to my account and I have no means to communicate with Coinbase. They do not have an address or a phone number. A customer can only send messages thru their website. The website only send auto responses.
Product: Credit reporting or other personal consumer reports

Spoke to XXXX XXXX Equifax employee ID number XXXX XXXX lied about the credit reporting act. REFUSED TO REMOVE XXXX XXXX ACCOUNT FROM MY CREDIT REPORT. 
I WAS ON THE PHONE FOR OVER AN HOUR. 

HE DID NOT KNOW THE LAW OR THE LAW REGARDING IDENTITY THEFT AND REFUSED TO ASK A SUPERVISOR REQUIRING THE LAW OF BLOCKING THIS ACCOUNT OFF MY CREDIT REPORT. 

LEAVING FRAUDELENT AND UNREASONABLE INFORMATION ON MY CREDIT REPORT. HE KEPT TALKING INTO CIRCLES AND THEN KEPT CHANGING REASONS AROUND AND JUST KEPT SPINNING THE CONVERSATION. 

EQUIFAX IS THE MOST LIEING AND UNETHICAL CREDIT REPORTING AGENCY AND NEEDS TO BE ILLUMINATED FROM THE XXXX. FINING EQUIFAX XXXX XXXX IS NOT ENOUGH IT NEEDS TO BE AT LEAST XXXX XXXX DOLLAR FINE.