23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX is attempting to charge me for services I did not receive after the flood in XX/XX/XXXX. We were forced to relocate and was provided housing by FEMA. We lived in a hotel in XXXX XXXX for 3 weeks until we were able to find new housing in XX/XX/XXXX. I contacted XXXX and advised we would not be returning on XX/XX/XXXX. I have recently received notification on my credit report stating I owe {$420.00}. I contacted the Collections agency and was advised XXXX did not discontinue my services until XX/XX/XXXX. I explained the situation to the representative and he was extremely rude and advised he was going to mark my account as a refusal to pay. He was disrespectful, inconsiderate and provided horrible customer service. I contacted XXXX directly on XX/XX/XXXX and was provided the same information given by the Collections representative. I explained to both the representative and her supervisor we flooded and contacted them in XX/XX/XXXX to discontinue services due to this reason. Both advised there was no record of us contacting them and I offered proof of relocation and having found a new home and no longer resided in the flooded home. I proceeded to ask the supervisor why is it they are unable to provide any assistance as I was a victim of the flood of XX/XX/XXXX and no longer lived there. She stated they provided multiple types of assistance for 9 months following the flood to their customers. I do not understand how someone can be so cold hearted and disregard someone having lost everything and have to relocate their family. I advised the supervisor I am more than willing to pay whatever balance I had prior to the flood and nothing more as I am not responsible for their error. She said she would gladly take my payment but would not remove any other charges and I would have to file a dispute with the credit reporting agency and they would provide paperwork validating the services. What good is that if I am not responsible for the charges. I have contacted them everyday since for their manager only to be told shes not in the office. I have no problem paying what I may owe but refuse to pay for services I did not receive and did contact them to discontinue services. To explain to someone you dont know that you lost everything you worked so hard for over the years to only be told they have no record of contact and its possible to have more than one lease is beyond heartless. I have worked in customer service over 15 years and would never say anything so inconsiderate to someone and always go above and beyond to find a resolution.
Product: Credit reporting

There are XXXX accounts on my credit report that I have never heard of and do not appear on my other XXXX credit reports : XXXX and XXXX in the amount of {$91.00} ( which I have disputed ). The lien on my credit report has been paid and does not show up on the XXXX XXXX XXXX of XXXX website, yet is showing on my credit report that was ordered today. My credit information is being reported incorrectly. My credit card balance is lower than what is being shown on the credit report, and it is saying that my last car payment was made in XXXX of 2016. Since it is inaccurate, the balance is incorrect. I will be disputing the XXXX accounts mentioned- again. My Equifax score is XXXX points lower than my XXXX and XXXX points lower than my XXXX. This does not reflect well as I try to qualify for a mortgage loan for my first home. Why is Equifax allowed to operate without being monitored? Please notify me if anyone ever brings a class action lawsuit against this company. I will send the appropriate documentation by fax or mail upon request. I will have to print out from various locations.
Product: Credit reporting or other personal consumer reports

I was shopping for a new car at. XXXX XXXX and they pulled my credit report 3 or 4 times in a row and I wanted to get it reduced back to 1 hard inquiry because I bought the 1 car I was looking at.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to XXXX was the result of their non-compliance to my request and for theirrefusal of getting the items, listed below, to be removed from my credit reports. They neitherremoved nor responded to my request which I believed to be against the Federal CreditReporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to helpme block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just received several different credit monitoring alerts from my identity monitoring service, ( see pics attached ) alerting me that my personal info is still be sold, used and transferred for use on the black web, I have completed a complete FTC ID THEFT report along with a local police department report and several other documents with proof of my address at times fraudulent accounts were opened and created. I am afraid that equifax is continuing to allow these very same thieves to report inaccurate invalid accounts to my credit report, one of the addresses that I just received the alert on is connected to one or more of the accounts that equifax continues to report under my name, for which I have never lived at the address. once more I demand that these fraudulent accounts not be allowed to be entered onto my credit report. all of the other bureaus including third party agencies have all removed and stopped these fraudulent creditors equifax continues to report the following invalid accounts that have been also removed from the other credit reporting bureaus but not equifax XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Checking or savings account

I purchased an auto insurance policy and cancelled it an hour later. I was told I would not be charged, USAA lied and still charged my bank account {$2300.00}. They told me it would take 7-14 days to get my payment back. Its been 3 weeks and I havent received my refund back to my bank account as they promised. Nor have I been provided any additional information
Product: Credit reporting

My spouse and I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is an XXXX debt and some late payments reporting inaccurately and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously.
Product: Credit reporting 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 items 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. 
XXXX XXXX XXXX XXXX Balance : {$3100.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFBP 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 loss funds was impossible and tracking these transactions was infeasible. The CFBPs findings indicate that Zelle has not only failed to protect consumers but also allowed repeat offenders to exploit the system, leaving user vulnerable to scam. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

This complaint is against XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 

On Thursday, XXXX XXXX - I accidentally made a mistake reservation for this hotel XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I realized my mistake when my XXXX XXXX XXXX card was charged. I immediately cancelled the reservation but I have learned that both the hotel XXXX and XXXX has a no refund policy on a prepaid reservation. Even though I cancelled less than XXXX minutes after booking. 

I called XXXX XXXX, American Express and the hotel XXXX and all of them have said that they will not refund my money because of policy. They are refusing to refund me {$900.00} for XXXX rooms hotel reservations that I am not going to stay at. They are not going to provide my family and I a stay and should not be allowed to keep our money. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

i been trying to get intouch to have theses hard inquires removed i didnt apply for anything they have yet to remove them
Product: Credit reporting or other personal consumer reports

I was trying to buy a house for me and my kids and found out I have late payment on my car, in accordance with the fair Credit Reporting Act this creditor has violated my rights under USC 1681 section 6 o 2 states I have the rights to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer report agency can not furnish and account without my written instructions under 15 USCS 1666b a creditor not treat a payment on a credit card account under an open end consumer credit plan go late for any purpose.
Product: Credit reporting or other personal consumer reports

I want these inquiries to be deleted because I did not authorize these companies to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting Act this creditor [ XXXX XXXXXXXX XXXX XXXX  XXXX  XXXX ] has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666ba creditor may not treat a payment on a credit card account un der and open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I got a synchrony bank card in XXXX. I tried putting in my bank info to make auto payments. I thought this went through but I got a call three days later telling me I was late on my first payment and needed payment. I explained what I did and thought it was paid. So they charged me a late fee. Every month after I have called and complained because my monthly payment went way up. I was furious. They wouldnt wave my fee even though I was told they would. Two months ago they took out two auto payments so I called to ask why. Their error and they would refund one payment. I only got half of one payment. I called again they told me the back end wouldnt pay me and said it was due to having a late fee. I again argued almost in tears. I have not been late!!!! They continued last month to take out more fees even when Im on auto pay. I just got an email telling me next month is also more then what I even signed up to have my payments be. I have been told many times what my minimum payment is but they DO NOT charge that. They charge way more. Im so frustrated. Im at my wits ends. Ive cried. This is so wrong. I need help to resolve this please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the attached settlement letter from XXXX XXXX XXXX XXXX ( XXXX ). I owe nothing for 3 reasons. I never had possession, fraudulent loan, BUT at a minimum, if XXXX had done their job as a professional company, we would not be talking today. XXXX and Experian did not have permission to access my private credit report. See attached application / permission sent to me by XXXX as reason for accessing my credit report. It is incomplete and should have not been processed AS IT EVEN STATES AT THE TOP OF APPLICATION! It is incomplete and undated. Experian can waste my time and their time by punting this to XXXX who will deny deny deny. XXXX will not admit an error and would rather extort a settlement from me.
Product: Payday loan, title loan, or personal loan

I want to have my account fixed. I want to use my XXXX XXXX  app.
Product: Credit reporting or other personal consumer reports

Good morning unaware to me I am an authorized buyer on one of my relatives account and that account is Macy 's legally I am not financially responsible XXXX that account and I am sure my aunt needed my parents permission which she did not have, I recently noticed this account on my credit report because I was applying for apartments and was denied I would like this account removed from my credit report immediately.
Product: Vehicle loan or lease

I have spoken with with Santander consumer USA regarding the settlement with my state with the attorney general. This company was sued for predatory lending. I reach out to this company and was told that I dont qualify for any relief. The lawsuit was from XX/XX/XXXX to XX/XX/XXXX. The lawsuit stated that if anyone had the car from those dates will receive debt relief loan forgiveness or cash settlement. I was told that I do not qualify. I paid more for the car than its worth. My car is in charge off status and Im still making payments for this vehicle. I have had this car for 4 years and Im just now paying the principal on this car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and see that XXXX is incorrectly reporting that i was late on a payment on XX/XX/XXXX, some 4 plus years ago. The fact of the matter is I was NEVER late with even one payment and I have this account since XX/XX/XXXX. 
I wrote to XXXX, XXXX, XXXX and XXXX and they have not corrected their error. 
Please have this error corrected, it is effecting my ability to obtain a home loan and the reporting is false. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : Dept of Ed XXXX  Equifax XXXX  are reporting my account information as 90 days late which is false I have contacted the creditors & all my payments from each year are up to date. The fault in you guys computer system has been bringing my scores down. I need this information updated ASAP and have my account 100 % accurate. Due to the fact of the length of time this has been Hindering me I asked for a score upraise as well. Thank you
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging post of charges and credits. This issues aligns with the recent CFPB findings against XXXX XXXX for some similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my credit report COMMENTS from ( TRANSUNION, XXXX XXXX XXXX ) Payment History ( XXXX & XXXX )
Product: Debt collection

I sent a debt validation letter on XX/XX/XXXX to Medical Data Systems XXXX Inc. and instead of the company validating the supposed debt they sent me a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. 

Name of Collection Agency : Medical Data Systems , Inc .

Location of Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Telephone Number of Collection Agency : ( XXXX ) XXXX Dates : * I received a phone call from Medical Data System on XXXX XXXX ; *I sent a debt validation letter to Medical Data Systems on XX/XX/XXXX ; *I received a response which were my medical records on XX/XX/XXXX from Medical Data System. 

The supposed debt owed : {$470.00} Date : XX/XX/XXXX ; {$210.00} Date : XX/XX/XXXX, {$300.00} Date : XX/XX/XXXX.
Product: Credit card

Hello, On XX/XX/XXXX I made a purchase on XXXX, I purchased an XXXX XXXX ( mining equipment ). I paid for it with my Bank of America REWARDS VISA SIGNATURE credit card that ends in XXXX, the amount i paid with my credit card was {$6400.00}. 

I was sent an item that didnt match what i purchased, item not as described. I raised the issue with XXXX and they said if i sent the item back they would refund me my money. I sent it back on my expense, they did not refund me. 

I went to Bank of America early XXXX to dispute the purchase. I sent them a letter, pictures of the item i received ( not the same as what I ordered ), sent them the tracking code of the return shipment to XXXX Bank of America has not helped me so far, actually a few days ago they put the charge back on my account. 

Bank of America claim number is : XXXX
Product: Credit card or prepaid card

I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and DISCOVERBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/2018.
Product: Debt collection

hello this company sent me a letter thru cfpb and to my mail that they will delete all negative info of my credit report but have failed to delete with XXXX and when i disputed with XXXX they verified that i owe and will not remove
Product: Debt collection

Current Balance is being challenged as the XXXX is trying to collect more than the amount owed. We have been back and forth several times in an effort to resolve the true amount. The billing office of the XXXX do not keep proper records and seems to be very confused on what the total amount owed, since they have been collecting from 2 insurance companies and I have been personally making payments which were not properly recorded. Also the total amount quoted for my son 's XXXX was {$2000.00} with 9 months given as the timeframe to complete the procedure. The timeframe was extended to 3 years and the price kept increasing. The only reason, I was able to get the XXXX off my son 's XXXX  was because we were relocating out of state and then they held my XXXX XXXX and would not allow him to leave until I paid {$500.00} over the phone. 

SAVIT Collection agency is demanding that pay another {$470.00}. On XX/XX/XXXX I received an email with my receipt which had a balance due of {$470.00}. On XX/XX/XXXX I paid another {$400.00} via check # XXXX, however, SAVIT is demanding {$470.00} and is refusing to acknowledge that I paid {$400.00} on XX/XX/XXXX while I'm disputing the balance of {$75.00}. 

On XX/XX/XXXX I attempted to resolve the issue with the XXXX XXXX through XXXX  XXXX XXXX but SAVIT again has refused to remove the incorrect data from my credit file and is demanding that I pay an additional {$470.00}.
Product: Credit reporting or other personal consumer reports

XXXX has deleted my student loan cause way too many errors on the amount due when the loan was opened and several other issues with the amount due I would like this removed off my credit ... Its causing a major problem in my life and it is impacting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated My rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section : It also states a consumer reporting agency can not furnish a account without my written instructions. Account number XXXX appears several times on my credit under different names. I have no knowledge of these accounts and would like to see a signed contract. Also these accounts listed above dont match all XXXX credit bureaus have different information on each accounts, Different dates and amounts etc. I have sent several letters trying to get this taken off my credit with no help.