23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

late payment is incorrectly reported, in accordance with 15 U.S.C. 1681s2 I have found some information that is inaccurate on my credit report. I don't believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible or be change to Paid as Agreed never late. The items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The details of the fraudulent accounts are as follows : XXXX XXXX XX/XX/XXXX Credit XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied for Milestone Credit card ( Master card ) Concora credit, XXXX XXXX XXXX, XXXX XXXX  XXXX Tel XXXX, Milestone approved my application and sent me the card with {$1000.00} credit line XXXX weeks later I received a bill saying that my credit limit is {$740.00} because they charged me {$250.00} for annual fee and they explained to me that the interest rate is XXXX percent I told them that I don't need the credit card anymore that they should cancel it but they said that I must pay the {$250.00} annual and others fees, they continue to charge me different fees and interest until now. Since then I called for this matter they keep insisting that I must the the credit I didn't use. Before I receive I am retired, I am going through difficult time and Milestone want to add my trouble that is why I need you help to resolve this problem. 
Thank you very for your undertanding
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 


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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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

CHACON AUTOS LTD Inquiry : XXXX. XXXX, XXXX- XXXX ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information CHACON AUTOS LTD XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly a collection on the XXXX account number XXXX, in the amount of {$240.00}. ( Please see page 7 of the attached credit report. ) XXXX mistakenly opened a new account when I moved to a new apartment. They transferred my account and consequently added a new account. There were two separate accounts. I called XXXX multiple times and consequently spoke to multiple representatives who were not posting my payments to the correct account. Some payments were posted to one account and some payments were made to the new account. The accounting error belongs to XXXX. This incorrect reporting is harming my credit score and this trade line item needs to be removed from my credit report.
Product: Student loan

On XX/XX/XXXX, I received information that I still have 80 payments left before I am eligible for 20 year loan forgiveness. That time frame did not seem correct to me. 

I tracked my student loan journey to the New York State Higher Education Services ( HESC ) and was informed by them that a payment was not posted to my account in XXXX, when at that time they were the loan servicer and they were also garnishing my wages from XXXX. 

The payment that is in question was a Treaury offset of a XXXX tax refund that was made payable to US Dep of Ed and then disbursed to HESC in the amount of {$5400.00} on XX/XX/XXXX. 

HESC states they never received such a payment that was to be applied to student loan balance. So for the years of XXXX current year of XXXX, I have been carrying an incorrect principal balance along with accruing the incorrect amount of interest weighing down heavily my credit score for over 10 years
Product: Debt collection

XXXX XXXX  XXXX issued a lawsuit on behalf of Discover Bank when I defaulted on a loan account. The promissory note signed between Discover and myself mandates an arbitration clause that reads If either you or we elect arbitration, neither you nor we shall have the right to litigate that claim in court. Discover is violating this binding promissory agreement by litigating when I have elected arbitration in this case. The attached promissory note also outlines that the arbitration provision survives termination of the loan and any legal proceedings by us to collect a debt owed by you. ( See subsection T of promissory note )
Product: Debt collection

Representative released information about account of mine that was sent to collections. I had not spoken with this company and was not aware was in collections. They called my husband 's number and released information without verifying his name or who he was and the account was only in my name. Per the FDCPA this is third party disclosure and I will be contacting an attorney. Call was received on XX/XX/2020 on phone number XXXX.
Product: Debt collection

I spoke with a representative at XXXX XXXX XXXX to ask why was a debt being reported thats was inaccurate. I also notify the representative she was being recorded she said she didnt care that I need to learn how to pay my bills my response was the bill was paid and why are you reporting inaccurate information on my credit report she then said do I have proof I told her yes and then asked her for the address to provide documentation that the debt reporting is inaccurate she hung up the phone. I attempted 3 times to get the current mailing address and each time she answered and realize it was me she hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX,
Product: Credit card

The balance of my XXXX XXXX credit card was paid off in full when I made a {$1000.00} order on XX/XX/XXXX ( following a XX/XX/XXXX payment of the full card balance, making the balance {$0.00} ). That order contained for 4 items. Since I used my XXXX XXXX, I received XXXX points for the purchase. I was also supposed to receive a {$50.00} rewards card. 
No rewards were deducted for cash off the order total. I paid the full price for all XXXX of the items on my credit card. 
However, I returned ALL FOUR items from the order. Here are the refunds that were posted back : {$230.00} ( full amount my card was charged for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs deducted XXXX XXXX  for this returned item {$120.00} ( full amount my card was charged for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX deducted XXXX XXXX  for this returned item {$610.00} ( NOT the full amount my card was charged for the XXXX perfumes. I was charged {$640.00} for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX deducted XXXXXXXX XXXX XXXX for these returned items XXXXXXXX XXXX  also reversed the {$50.00} reward card I had earned, which makes sense as I returned all of the merchandise in the order that resulted in me earning that card. 

At issue here is the {$610.00} refund. When I look at the breakdown, I see that XXXXXXXX XXXX took out two " cash adjustments '' of {$19.00} and {$23.00}. This was an online purchase and I returned the merchandise by mail, so I obviously did not receive any cash for my returns. 

I have spent three hours speaking to different agents about this today. None of them can justify the aforementioned " cash adjustments. '' I have been told that those amounts were deducted from my refunds because I didn't have enough points to cover the return, but that makes no sense : I earned XXXX points for the purchase. I was also supposed to receive a {$50.00} rewards card. 

When I returned all the items in the order, XXXXXXXX XXXX took away all XXXX of those points AND reversed the {$50.00} reward card. This nulls the rewards. 

It is not possible for a full return to eat up more reward points than that order earned. Withholding funds from my reimbursement in this manner is therefore not only illogical, it is illegal. 

I have wasted an enormous amount of my time trying to resolve this directly with XXXXXXXX XXXX XXXX, to no avail. As such, I am reporting it to the CFPB as this is illegal misconduct. I MUST be refunded the additional {$19.00} and {$23.00}, for a total of {$42.00}. If any interest accrues before this happens, that will also need to be reversed. 

I do not have any points left over or a reward card to show for the order, as both were reversed in full ( which, again, makes sense since I returned the entire order ). I paid for the order total entirely on my credit card. As such, I should have been refunded the entire order total back to my card. 



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: Credit reporting

I have a credit card opened in my name that I did n't open. It has been two weeks and they said they were going to send paper work, but they said no paper work they are just going to call my credit companies and have it removed. I purchased a pair of glasses at XXXX and the next day someone opened a credit charge account at the store. It has made a severe Impact on my credit score, beings that my credit score is really good.
Product: Credit card or prepaid card

XXXX XXXX closed my account without any notice. I never received a notice to use my card this year. XX/XX/2021
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES reporting to my file are a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these accounts from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. 

XXXX Inquiry : XXXX XXXX XXXX XXXX Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Credit Union XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have disputed inquiries on all XXXX of my credit reports that are not mine. I have even placed a fraud alert on my credit file and they are still reporting these inquiries which are not mine. I have called the credit reporting agencies, faxed letters, and done on line disputes and they still are reporting these inquiries in which I have not applied and the companies have no permissible purposes. Notice the inquiries which were accurate I let them know. My family went through a tornado in XXXX 2016, and have not applied for new credit, we were injured and out of work for 4 months so there was no reason to try to get new credit without being employed. Also on one of my credit reports I had XXXX ssn 's on there that were n't even mine. This needs to be corrected. The glitch in XXXX I believe may have something to do with some of these inquiries.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress Of these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't moved in 15 years and own my condo. So last month XXXX student loan contacted me about payment due. Then they then stated the address they have on file is XXXX I never lived at before!! Oddly I worked on that block over XXXX years ago. This is shocking and unbelievable they invented a new address and reported this misinformation to the credit bureaus! And XXXX is refusing to correct this false information having a negative impact on my credit report.
Product: Debt collection

I have been contacted by this company twice. They claim to be doing business for a XXXX bill they say I owe. However I have contacted XXXX and have spoken with a XXXX who is a supervisor. He assured me that I will be handling this with them. The total isnt correct. Everything is off. The social on the account doesnt even come back as mine. XXXX has told me to stop all communication with this company as I will be handling it with them. It is now on my credit report by this company and they have no right to report it. I WANT IT OFF and want ALL communication to STOP!!
Product: Mortgage

NewRez, LLC mailed me a letter several weeks ago requesting that I submit proof of insurance for my house and threatening to purchase insurance on my behalf if I didn't submit proof. They included a website to submit the proof of insurance, and I did so the next day. 

On Friday ( XX/XX/21 ) I received another letter demanding proof of insurance again, but this time the letter does not have a website to submit proof. They again threaten to purchase insurance on my behalf for {$680.00}. I've called the number provided on the letter twice and have been on hold for over an hour - no one has picked up the phone. I emailed my proof of insurance to NewRez 's customer service department. I do not want to be charged {$680.00} for insurance when I already have insurance for the period they're requesting and I've already submitted proof multiple times.
Product: Checking or savings account

I have an account with Robinhood and have over {$2000.00} in the account and they are not letting me withdraw it nor use it for reinvestment for a year now. I have contacted their customer support and they could not give me any explanation on why my account is restricted. They also have told me that they can close the account and own my money without any explanation. That is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card

I got this message from my sisters they called her regarding my debt with Aspre visa from XX/XX/XXXX I filed XXXX with what was suppose to be account insurance and never heard any more from them as I was very sick I did n't think anything of just figured they 'd been paid by insurance. I was in XXXX and an still in XXXX under doctors care. I never gave them my sisters phone number where they got in not sure but I called the number she got from them and learned it was aspire visa it was over 7 years I never heard from them. I 'm XXXX they know that insurance should have paid. They collected fees from XX/XX/XXXX to XX/XX/XXXX on account for this coverage in case I became XXXX it 's like insurance fraud selling bogus insurance to card holders. 
, I got a call from someone regarding XXXX and they are filing suit against you and were going to send the papers here for signature. I told them that you are out of the country. This iis a civil suit. they left a phone number and it is XXXX XXXX and your case file is XXXX. I guess you need to call them. This sound serious. So you should address it. Thanks Love You, XXXX
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 # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A stated 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.
Product: Debt collection

On Thursday, XX/XX/XXXX I receive a call from Navient to my mom 's house. That same day, I send a cease and desist letter through fax to Navient, and today, I receive and e-mailed communication.
Product: Debt collection

The debtor filed bankruptcy in 2013 of the debt. The debt was later filed as a lien against me from XXXX XXXX XXXX, XXXX in XXXX County Court, Docket # XXXX. The debt was Discharged in Bankruptcy earlier yet XXXX WILL NOT properly communicate, address and release the lean. In contacting the company on XXXX, and XX/XX/XXXX, the department I am told that should address the issue has a phone number that leads to a machine where a message can not be left. They will not transfer me to anyone that can help, but state simply I must talk to the Bankruptcy department which is perpetually unreachable due to the phone number they transfer me to. Spoke to a supervisor on XX/XX/XXXX who encountered the same issue, but was unable to transfer the call to ANYONE who could help, but simply said they would send an email. So I'm to just sit here and wait?? I am in the process of trying to purchase a home and this has become a roadblock that I can not resolve. Please help me today!
Product: Checking or savings account

I have been disputing charges on my checking account for memberships and services that were canceled from XXXX, XXXX, XXXX and a few other recurring charges from XXXX. Each time Truist completes the investigation, they find that y claim was valid and return the funds from the invalid charges. Every time an investigation is completed, Truist has not returned the Insufficient funds fees associated with the charges on the claim. In addition Truist still has allowed the same creditors to charge my account month after month AFTER the months after the first dispute claim that was completed and settled. I do not understand why the bank would allow a company to continue to make charges on my account after the claim has been completed. I feel like this intention is deliberate to repeatedly take insufficient funds fees from customers. I am out of thousands of dollars due to this repeated offense and my bank account continues to stay in an overdrawn position because of these charges. This has happened on more than one account from multiple businesses. I also received astronomical fees weeks after a transaction for sending domestic wires that were different than expected, the employees were not clear on the wire instructions and what the fees were associated with wires.