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

I own a credit repair company, I have used my own software to submit disputes on behalf of my clients as well as myself and the same results happened for this complaint I am filing for myself. Depending on the results I will file for my client as well. 

The disputes were submitted XX/XX/2023, and on XX/XX/2023 I received a response from Experian stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumer 's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. '' I submitted a letter stating that it was in fact me and that they need to comply with the investigation under the FCRA and that they were in violation on XX/XX/XXXX. On XX/XX/XXXX I received the same above email. 

I am just now getting the free time to write this complaint as of XX/XX/2023 they still have not complied.
Product: Credit reporting or other personal consumer reports

XX/XX/year> A loan by XXXXXXXX XXXX XXXX XXXXXXXX that I did not authorize or consent to is on the XXXX, TRANSUNION, and XXXX credit reports, the current reported amount is {$20000.00}. I contacted XXXX XXXX  XXXX XXXX representative and they informed that they do not report to Credit bureaus. I did not consent to reporting A loan by XXXXXXXX XXXX XXXXXXXX XXXX the credit reports.
Product: Debt collection

In XX/XX/2020, The professional Credit Service is trying to collect money from me on behalf of ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX ) for the service I did not receive. I have been trying to dispute this wrong billing directly with XXXX but they disregarding my dispute and is continuing to hold me accountable to pay {$300.00} for the wrong service they performed on me. They have now sent my unpaid bill to be collected by the collection agency, I tried to dispute with the Professional Credit Service but they couldn't fight and get me fair response from XXXX. 

I went to urgent care on XX/XX/XXXX to XXXX in XXXX XXXX, CA, for a COVID test, the doctor who saw me ( DR. XXXX XXXX XXXX ) did not do the Covid test but they performed another kind of XXXX XXXX XXXX on me without my approval and now charging me for it!. I have been fighting this battle since XXXX this year and now I'm being forced to pay for something I didn't want. 

I fear that if I do not pay, they will ruin/impact my credit. I have a well reputed job, I have an excellent credit score and I believe in paying all my dues on time but I do not believe in getting billed wrongfully and being forced to pay. 

Hope you will consider my complaint and take the necessary action and support me. 
Thank you
Product: Credit card or prepaid card

On XX/XX/2019 my credit card was charged {$99.00} for an annual subscription of XXXX XXXX XXXX magazine. This was an unauthorized charge and I attempted to call the XXXX but was directed to a website where I entered in my desire to cancel. I got no result. I performed this action again and received the same non result, nor any correspondence. 
Meantime, I sent an email to Barclays as soon as I received my statement with the charge. They were barely helpful, repeating the 800 #, and asking me to call their dispute department. The problem is each time I called, it took 30 minutes or more to explain the issue and at the last attempt, the representative actually laid the phone on the desk, and I had to start the process again! 
I have tried to enlist Barclay 's help with the disputed charge, via email and voice calls, but, given the time elapsed, I have now seen my credit score lowered by 50 points as the account has been declared delinquent. 
That is unfair and detrimental to the well being of myself and my family and might have an impact on my ability to find work in the future.
Product: Debt collection

OPTIMUM OUTCOMES, INC/XXXX  XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX   Tel:XXXX CEASE AND DESIST is cancelled and I need immediate answer to the derogatory report of medical report on my credit. Optimum Claimed XXXX XXXX XXXX is a medical center. 
I am requesting for my signatures on the four medical bills you said I owed the XXXX XXXX XXXX. If you don't have any itemize bills and signatures, you need to remove the derogatory reports you posed on the XXXX, XXXX  and XXXX. 

You have denied to speak to me or send information to me. Now you can talk to me. 

I never received any documentation before you posted derogatory reports on my credit reports.
Product: Debt collection

XX/XX/2019 I received a creditor letter stating I owed money for something that is not my debt. 
The letter is dated XX/XX/2019 The amount is {$2100.00} The company enlisted is Vengroff Williams , Inc. 
The company owed is XXXX XXXX
Product: Credit card

XXXX and the merchant through XXXX gave me consent to chargeback / refund this money on my account for dispute # XXXX. 

Amex instead of fulfilling their end of the user agreement contracts they sign with cardholders has instead chosen to delay the resolution date of this dispute multiple times now.
Product: Checking or savings account

I have had an account with CIT bank subsidiary of XXXX XXXX XXXX for several years. Now, I'm closing on a house and attempting to transfer money out of this account for this purpose. However, I get a message : Force migration is in progress, please try again after some time. 

and I'm unable to access my account or make a transfer. 

I have been unable to access my account all day despite having attempted to talk to their support team for several hours. In some cases, there reps were even rude and condescending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this credit inquiry into my credit report. They checked my credit to be able to send me information regarding buying homes. I did not authorize them to pull my credit. The name of the company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit card or prepaid card

XX/XX/2021 - Ordered two identical bathroom exhaust fan/lights from XXXX for a total of {$240.00} XX/XX/2021 - One of the two fan/lights was delivered by XXXX XXXXXXXX XXXX 3rd party carrier, XXXX Item was left on front door step. Went to carrier 's web site to seek info on delivery. No signature was requested by the carrier to document delivery, nor was a photo taken as proof of delivery XXXX POD ). 

XX/XX/2021 - Called customer service number for XXXX XXXX online sales to seek either credit for or replacement of the undelivered fan. XXXX XXXX customer service told me that carrier indicated that both items were delivered. I requested POD which was declined, as was credit or replacement for the missing fan. XXXX XXXX customer service told me to dispute the charge with my credit card company, Capital One. 

XX/XX/2021 - Called Capital One customer service to dispute the charge for the undelivered item. Assigned XXXX XXXX : XXXX. Was told forms would be sent by US Mail to document the dispute. Forms were NOT sent by postal mail, rather they were posted to my Capital One online portal as documents and were thus overlooked for over 2 weeks. 

XX/XX/2021 - Completed forms requested by Capital One to document the dispute and faxed them to the number designated by Capital One, seeking credit of {$120.00} for the undelivered fan/light. 

XX/XX/2021 - Received response from Capital One denying my dispute, stating that they had received " notification that goods were as described and received in good condition. '' XX/XX/2021 - Prepared and submitted to Capital One via facsimile a detailed rebuttal of the XXXX XXXX contention that goods were " received in good condition '' and requested either signature or photographic proof of delivery of both items purchased and that the credit in the amount of {$120.00} for the fan/light not delivered be restored to my Capital One account. 

XX/XX/2021 - Received notice from Capital One that my response " lacks all of the previously requested information needed to validate '' the dispute and denied my claim. Capital One instructed me to work with XXXX XXXX to resolve the dispute.
Product: Student loan

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. He also violated the Privacy act of 1974 and higher education act which governs student loan privacy..
Product: Credit reporting or other personal consumer reports

I got a warning to my phone from XXXX I put in a report they said it's accurate and it's a lie to XXXX XXXX XXXXXXXX in California I have never request a loan company don't answer phone. It's a XXXX loan. I promise I never borrowed no money
Product: Debt collection

this debt is the result of identity theft and in no way shape or form was was this authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this hard inquiry from my credit report, as this is unauthorized and wasnt done by me from XXXX XXXX XXXX I observed this inquiry on my credit report and I am requesting for this inquiry to be removed from my Equifax credit file.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly and light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution, and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible, and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I had one Student loan and I never be late for this account and it is only one account. 
In my Experian credit report it's shows six accounts with same account number. Three of them shows late payment, three of theme without late payments. In some of them amount and balance is different. 
In my XXXX credit report it shows three same account, without late payments but amount and balance is different. 
In My XXXX credit report appears three of same account with late payments and amount and balance is different. 
In accordance Fair Credit Reporting Act everything must be 100 % accurate in my credit report and under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Mortgage

Newrez / XXXXXXXX XXXX Is telling me that my ESCROW account is low so they raised my mortgage payment up {$200.00} for the next 12 months!!!! 
This is the second time they have done this to me. 
This is totally separate from my complaint but I share this information with you because, Ironically Newrez / LOAN care has me confused with another person in California with my name XXXX XXXX. Newrez sent me a text telling this other person THAT THEIR ESCROW ACCOUNT WAS LOW AND THEIR PAYMENT WOULD BE GOING UP TO REPLENISH THEIR ESCROW ACCOUNT!!! 
THEY ARE DOING THIS TO OTHER PEOPLE!!! 
What I want is an AUDIT of my LOAN and ESCROW account. My TAXES WENT DOWN THIS AND SO DID MY INSURANCE SO HOW CAN THIS BE ACCURATE. I WANT LOAN CARE TO REFUND ME THE {$1200.00} DOLLARS FROM THE FRIST TIME THEY TOLD ME MY ESCROW WAS LOW, AND REFUND ME FOR XXXX AND XX/XX/2023 {$400.00} THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/year> they began charging me {$550.00} a month for a XXXX 's XXXX XXXX claiming they did not have coverage on file. 

They have admitted to having a copy of my XXXX XXXX, the same policy I have had for 15 years and the same policy provided to them for 15 years, yet they continue to charge me for their $ XXXX policy. 

I spoke with their insurance dept on Friday, XX/XX/year> and was promised a follow-up phone call on Monday, XX/XX/XXXX. The follow-up call did not take place. Instead I received an unsigned letter claiming the matter had be turned over to XXXX of their XXXX and to expect a response in 30 days. 

I made my XXXX payment of {$670.00}, but they identified it as 'unapplied '. I made my XXXX payment today, XX/XX/year> and again, it is labeled as unapplied. They have sent me a collection letter. They have charged me a late fee. Most likely I am being reported as a 'late pay ' to the credit reporting agencies.
Product: Debt collection

A mortgage in my name is being serviced by Fay Servicing, an organization which, according to your website, has already overstepped the law as it relates to moving forward with foreclosure proceedings while borrowers are actively seeking help to save their homes. 

Arrangements were made during the summer of 2017 to list the affected home in a short sale. Terms of the short sale were drafted and agreed upon by all parties, and the home was listed and shown to prospective buyers but ultimately was not sold before the expiration of the short sale agreement. According to Fay Servicing, the next step was to reconvene and draft a new agreement listing the home at a lower cost to attract more potential buyers. Multiple representatives of Fay Servicing stated in telephone conversations that they did not want to foreclose upon the property and that they would continue in good faith to find a solution. 

Regardless of these declarations of good faith, on XXXX XXXX, 2017 I received an email from my credit monitoring service that my XXXX credit report had been updated to include that my account with Fay had been marked as foreclosed. Indeed, when I went to view the report, it had been marked " Foreclosure Process Initiated ''. 
A representative of Fay Servicing responded to inquiries about this change to my credit report by saying that it was part of their normal process and nothing for me to worry about. 

Additionally, to date I have not been served with any papers indicating an imminent foreclosure which, as I understand it, are required by law to be provided to the property owner with 35 days notice before any proceedings can be moved forward. 

I would like to point out that your organization fined Fay Servicing, in the amount of {$1.00} XXXX on XXXX XXXX, 2017, for doing exactly what they are apparently continuing to do as of three months after their punishment and most likely up to the present time. Fay Servicing CEO XXXX XXXX was quoted as saying that your consent order included asking Fay Servicing to " comply with mortgage servicing rules '', which they clearly have no intention of doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account with Experian, the account was reported by XXXX XXXX XXXX for {$840.00}. Experian sent me a result stating that this account was removed from my report, but it was not. I called Experian trying to get answers, the representative was rude and unwilling to help. He insisted that this account was a updated as accurate by XXXX XXXX XXXX. This account listed on report as opened on XX/XX/XXXX, but never reported till XX/XX/XXXX. I want to know if this account was accurately reported and meets the Fair credit reporting Act requirement, then why Experian first concluded it's investigation with a result of removal and then changed it to updated?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, SXXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX # XXXX has Violated my rights.

15 U.S. C. 1682 Section 602A section 2 Statees I have the right to privacy 15 U.S.C 1681 Section 604A 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 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern, I recently pulled my credit report and noticed INACCURATE information. This account is not mine because I have insurance to cover nay any medical fees. Please advise me as to name and address of the medical provider, the service, the service date and to whom the service was provided. I am further requesting a breakdown of the fees including any collection costs and medical charges, Also, per HIPAA LAWS please provide me a copy of my signature of this alleged claim to release this information to you. OTHERWISE PLEASE DELETE THIS ACCOUNT EXPEDITIOUSLY! 
AN # XXXX
Product: Checking or savings account

On XX/XX/XXXX {$1000.00} was taking out my account and was sent through XXXX XXXX which was unauthorized by me. I reached out to my bank chime about it and they denied me in XXXX day so I filed a police report on XX/XX/XXXX gave them the police report number and now their going to reopen the case which I dont know if they are, also I told them I needed it back expiated because I have rent to pay. They said they were but I feel like they are not doing anything to help me its always a issue with them
Product: Checking or savings account

Hey, I am have serious trouble accessing my funds at any Bank of America atm. I tried taking out {$500.00} from my Bank of America Checking account around XXXX on XX/XX/2019. The transaction didn't go through and the atm said that I needed to verify my identity by calling the given number. So, I called and verified my identity. Then a few minutes later I tried making the same transaction again but was given the same message. I thought that something must be wrong with the atm so with no luck, I even tried using another atm at the same Bank of America branch. Frustrated, I just went on with my day, went to work and before coming back home at around XXXX I tried once more to get the same amount ( {$500.00} ) out of a different atm but failed again getting the same message again that they had put restrictions on my account. I got in touch with them once more somewhere around XXXX same day ( XX/XX/2019 ). After waiting for more than 30 minutes and explaining my situation to two different persons, I was finally told after verifying my identity AGAIN* that my debit card was now unlocked and I could use it at an atm. I went out and tried to make the same {$500.00} transaction that I had been trying to make for the last 12 hours but failed to do so by getting the same message. ( Keep in mind that I had more than enough funds in my account to go ahead with the transaction. )
Product: Credit card

XX/XX/XXXX, I received an email offer which stated if I used Visa Checkout with my Chase Freedom Card, I would receive a {$15.00} credit if I spent at least {$15.00}. I registered with Visa Checkout and made a Best Buy purchase through them on XXXX XXXX, XXXX. It posted on my statement on XX/XX/XXXX. 

I have never received the {$15.00} credit. I have called both Chase Credit Card services and Visa Checkout directly to try and resolve the issue, but I keep getting the runaround from the customer service of both companies. Each company tells me to call the other. I even direct messaged Chase about this on XXXX/XXXX/XXXX and I think even earlier in XX/XX/XXXX or XXXX XXXX. 

This issue has not been resolved, and I do not want to get the runaround on a simple matter anymore.
Product: Credit reporting

the investigation was not thoroughly done. a collection agency is fraudulent saying i owe money to a previous property management customer from a customer i represented. we never went to court. before i closed the company we had a dispute over repairs and amount owed. this is not a personal debt or a loan.and the credit collection agency has no proof of such.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX Date XX/XX/XXXX Experian has on my credit report as stated back on Previous report that I had auto loans on my credit file from XX/XX/XXXX that I did not sign for or consent to run my credit. 
Experian has yet to provide any documentation of such or any proof of such. 
Experian has not shown nor prove that the credit was applied by me with any consent to run or apply credit under my name. 
I need proof of such auto companies and finance companies that Experian has fraud running in my name with no documentation or proof to back up keeping information pertaining to personal information. 
Experian seems to commit fraud as to and how this information was place on my credit file. 
I disputed the Inquires by Experian as my right and Experian has not provided any proof, documentation, nor any contract as facts or proof as it appears on my credit file. 
I also sent in the companies that are not any I applied for or obtain credit in my name very detail and Experian acts as I did not provide the information to them. Nothing but fraud on Experian Part to the issues.