23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Cash app representatives were very good with refunds until this month XX/XX/year> Used my card to secure a room at XXXX XXXX XXXX departure XX/XX/XXXX XXXX balance due..XXXX XXXX cash app charges my card XXXX XX/XX/XXXX card charged again XXXX XX/XX/year> hold placed against my card when I realized that I had been charged a XXXX hold called XXXX billing XXXX XXXX XXXX expressed my situation and was informed by the representative did I have cashapp without hesitation she informed me that she had been getting called along about transactions she said my current XXXX was charged again to my other card go to the front desk went to the front desk they reversed the charge and at XXXX est they attempted to charge XXXX cashapp to my card enough is enough I just want my fund 's returned
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time, The consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments vie attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX. I'm now requesting you investigate these account and update these payments to paid on time immediately. thank you for your understanding and prompt action
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my credit file. The items I need deleted are listed in the report attached. I am a victim of Identity Theft and did not make the charge. I demand that the items are deleted to correct my consumer credit report. I reported the theft to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was going through my statements and noticed that I was double charged for {$200.00} on XXXX at the same time from some place in XXXX. I contacted Chase and said that I did not recognize why there would be double charges and that I was unable to contact the vendor. They sent me to their fraud department. After speaking to them Chase refunded me both {$200.00}. In XXXX I had to cancel my card due to a totally different issue. Then in XXXX, after my card was closed Chase contacted me and told me that they didn't believe the charges to be fraud and replaced the charges. They claimed that I called it fraud and I had to file it a dispute. I tried three different times to get transferred to someone to file a dispute of these charges, only to be kept on hold for over 30 minutes till I just hung up. I finally got through to someone, only for them to tell me that it is too late to file a dispute ; that the time limit has run out. I contacted Chase in a timely manner to bring this issue to them. They delayed it. Only after writing a letter to the XXXX XXXX XXXX  did someone from Chase contact me. However the still would do nothing. I asked them what could possibly be reason my card was charged twice, at the same place, and for the same amount within minutes of each ; also, if the chargers were true, where was a copy of the two signed receipts. They just gave me the run around and said that they would simply not help and I was responsible for the double charge. Chase never had any intention of helping. Their claims of consumer protection are obviously fake.
Product: Credit reporting

IT IS DIFFICULT TO VIEW THE REPORTS TWICE. I AM TRYING TO LOG BACK INTO TRANSUNION AND CAN NOT
Product: Checking or savings account

XXXX XXXX XXXX in the amount of {$1200.00} in a checking account i was making payments using another checking account number but i kept accidently using the wrong bank and it kept over drafting me these were not my fault on this amount please remove this and remove the charge off from my credit report as i asked several times. i want to escalate this higher if this is not resolved in 15 days if CFPB will not take care of this matter i will gather all my information to my lawyer on XX/XX/2018 On this date i will get a lawyer because of this i lost my most favorite bank i have recommended XXXX XXXX to tremendous amount of people in my business. Remove my Charge off from my credit report and let me continue a relationship with XXXX XXXX XXXX and this problem will never happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to do a proper investigation, and or remove this erroneously reporting account from my consumer report. These errors are costing me money with higher than justifiable interest rates, and outright rejection for certain business opportunities. I have disputed with Experian on or about : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX including asking for their " method of verification, '' and specifically who they communicated with at original creditor so that I can personally follow up. They just gave the usual, generic response that everything is " verified '' although it is clear from a precursory glance that this has reporting errors. Furthermore, I have also sent them credit reports from the other Bureaus, XXXX, and XXXX, that shows that this same account is reported differently and also erroneously, to the point were it has been removed already on XXXX, and still under review by others. This account needs to be removed.
Product: Mortgage

I refinanced my house on Monday, XX/XX/XXXX. I called BSI Financial Services on XX/XX/XXXX to make sure they didn't charge me my XXXX payment since they are no longer my lender. I waited on hold and they forced me to leave a voicemail. I gave my loan number, contact number, and explained I wanted to make sure I was not charged. They said they would return my call in a day. I called XXXX, XX/XX/XXXX and left another message with no return call. Yesterday, XX/XX/XXXX I emailed BSI on their portal and explained they were no longer my lender and I was revoking their access to my ACH checking account. Today, BSI Financial withdrew {$1000.00} from my checking account.
Product: Credit reporting

I am concerned by the fact that I have NEVER received a FREE Credit report from Equifax ... I have had to PAY for them ... and on an ON GOING Basis. WHY IS THIS? This was the only way I could receive it online. Is that standard practice? I was so desperate to see what my report looked like I DID Pay, both my dad and I. Once for {$15.00} on XXXX 2015 AND again on XXXX/XXXX/2015. The site said " Failed '' and the only way I could get it was by PAYING For it! XXXX XXXX TIME THIS HAS HAPPENED ) I want to know why I could not have access to my report without having to PAY for it, more than {$30.00} in less than a XXXX month period? 
And Possibly be reimbursed since I never received a XXXX Copy this Year. 

Thank you!
Product: Credit reporting or other personal consumer reports

I asked the company to provide me with originally signed contract and section where and how i breached the contract XXXX times
Product: Credit reporting, credit repair services, or other personal consumer reports

I normally monitor my credit through   XXXX   XXXX   ,   XXXX   XXXX   XXXX   and now credit wise. I noticed that there was a social security, address, name ( s ) linked to my credit that were not mines. After speaking directly to the credit reporting agencies they removed the social along with the address. However, two of the names remained on my credit. The agency explained that they were unable to remove the name because it was linked to a account and I will need to contact them directly. After contacting one of the companies I brought up my complaint and their response was " the account is to old to do anything and it should come off soon anyways '' but like I explained its showing as a bad report. Plus the card was closed and re-opend under a different name. She stated there was nothing they can do about it! And to this day I still have two different names linked to my credit report under personal information incorrectly! The only thing that changed was my maiden name! In my credit report and apparently linked to my account ( s ) And also I am unable to pull my credit report directly from  XXXX  because its unable to verify my identity. Please I need someone to fix my problem. I already filled a complaint for the credit card agency. But I was this problem resolved on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine, fraudulent activity on my credit report. 

XXXX XXXX on credit report not opened by me. 

XXXX XXXX Account fraudulently opened, paid off XXXX Dept of EdXXXX payments 180 days past due as of XX/XX/XXXX to XX/XX/XXXX not on this account. The account was opened XX/XX/XXXX. 

STATE OF MI/OFFICE CHILD SUPPORT account never late and paid in full XXXX paid in full XXXX XXXX XXXX  fraudulently opened
Product: Debt collection

Select Portfolio Servicing has been trying to steal my paid-for home. Select Portfolio Servicing has been harassing me under different bank names and charging me bills on my paid-for home. This company hired attorney XXXX XXXX XXXX who committed mortgage fraud. I paid the entire mortgage from XXXX XXXX and have a recorded satisfaction on file with the county of XXXX. First, they tried to steal my home through XXXXXXXX XXXX and again through XXXXXXXX XXXX. I never did business with any of these banks. I have had enough today ; someone came to my door representing the bank and said to me, you XXXX XXXX don't like paying your bills anyway, give us your house. XXXX XXXX does not exist. 
XXXX XXXX XXXX, XXXX. is a foreclosure Factory. It is XXXX XXXX largest foreclosing law firm. If you live in New York and are in foreclosure, then there is a very high chance that the foreclosure law firm suing you is XXXX XXXX XXXX, XXXX, located in XXXX, New York. Over the past several years, the XXXX XXXX XXXX has become one of the largest foreclosure factories in the country, representing dozens of banks in foreclosure cases. 
Last year they filed a staggering XXXX foreclosure lawsuits, which comes out to about 50 a day. Many of the foreclosure cases we defend for our XXXX XXXX clients were brought by XXXX XXXX XXXX, XXXX.
Product: Credit card

This is the timeline : XX/XX/XXXX : I reached out to the e-mail on a house ad named XXXX XXXX about renting a house. She said it was available but would not give me location until I booked it XX/XX/XXXX e-mail. 
XX/XX/XXXX : She sent me cancellation policy stating that If you cancel your bookings two week prior to check in date, you will receive a full refund. 
XX/XX/XXXX : She sent me the invoice and wanted me to pay XXXX to XXXX, I didnt feel comfortable, so I asked to use your Capital One. 
XX/XX/XXXX : She sent me a link XXXX XXXX XXXX and gave me my username XXXX Password : XXXX. I clicked on the link and paid it. Now when you click on invoice it is gone. I did include a copy of it. It is billed through XXXX on our account. 
XX/XX/XXXX : She said payment received. Prior to our arrival, she would give me details. 
XX/XX/XXXX : I said our plans have changed and I am requesting a refund. 
XX/XX/XXXX : She said Will do, thanks for letting me know. 3-5 business days will reflect on my card. 
***Money never came back!

**We called the number numerous times on invoice and no answer. 
**I called the actual XXXX XXXX XXXX  XXXX, which is the name of the campground. They said the property I booked has a flag for fraud and the name XXXX XXXX doesnt exist. I booked through XXXX XXXX XXXX ( this doesnt exit ) XXXX : I e-mailed again that payment didnt come back. She never replied. 
XXXX : began email XXXX customer service in an effort to help with this matter. Attached is my dialogue with them. They too have been unhelpful. They keep asking for our account information with XXXX. WE DO NOT HAVE AN ACCOUNT with XXXX. The person who scammed us, used XXXX, we did not. 
XXXX : Various calls with Capital One. A dispute representative told me that I would get my money back. Never came .... 
XX/XX/XXXX : Capital one reopened my case XX/XX/XXXX : Capital one told me there is nothing they can do. 
Capital One will not refund the money. I have provided all the documentation to them. 
Thank you, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained this result. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

EXPERIAN : XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$170.00} XXXX XXXX XXXX. XXXX XXXX XXXX : {$8500.00} XXXX. XXXX XXXX XXXX : {$4200.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} XXXX. XXXX XXXX XXXX : {$2600.00} XXXX. XXXX XXXX XXXX : {$3100.00} XXXX. XXXX XXXX XXXX : {$1200.00} XXXX. XXXX XXXX XXXX : {$1000.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX. XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$7600.00} XXXX XXXX XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$8500.00} XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7600.00} XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2600.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3100.00} XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

See letters sent, clear violations of the FCRA and they need to be deleted
Product: Credit reporting or other personal consumer reports

After studying during the Covid lockdowns, Ive learned alot about laws, codes, statues, etc. 
here in the United States. These discoveries have caused me to exercise my rights to file this claim. 15 USC 6801 states that It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX is a financial institution by definition under that title.

Also 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Navy Federal Credit Union, XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Also The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA which applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ( XXXX XXXX loan nor Navy Federal Credit Union ) ever informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 precedes the report by more than seven years. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services..
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you XXXX XXXX XXXX. NOT who you have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX XXXX ). Please validate that this debt belongs to me and please also show me the original contract. 
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( Equifax, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious trouble with the FTC and other state or federal agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

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

1. The lender (   XXXX   XXXX   ) re ceives notice from  XXXX  Police Department that my vehicle is being held in the impo und.   (  XX/XX/XXXX  ) 2. The l ender ( via supervisor  XXXX   XXXX   )  informed me that  XXXX  had taken possession of the vehicle and that it would not be returned to me per our agreement and default ( " DEFAULT. You will be in default and we may terminate this contract early  if ... ( e ) the ve hicle is seized by any local, state, or federal government or authority.  '' (    XX/XX/XXXX  ) 3.   Repo ssession agenc y (   XXXX   XXXX , state license  XXXX   )  sent letter to me notifying me of " my right to retrieve my personal effects or other propert y. '  ' (  XX/XX/XXXX  ) 4. Lender sent me " Notice After Repossession. '' (  XX/XX/XXXX  ) 5. Lender sent me a " Notice of Right to Recover Vehicle '' mentioning that the account was now CLOSED. The notice read " you do not have a right to reinstate the contract for the following reasons : you have not paid an amount equal to 30 % or more of the deferred payment price at the time of repossession. '' (  XX/XX/XXXX  ) Pulled c  r edit reports from the  XXXX  credit bureaus  (  XX/XX/XXXX  ) 6. Dis puted the accuracy from my auto lende r (  my   XXXX   XXXX   ) with each of the credit bureaus, requesting that the account with  XXXX  be closed, and that all negative remarks fr om  XX/XX/XXXX  to  XX/XX/XXXX  dele ted.    7.  Mailed and faxed supporting documentation for my dispute to the  XXXX  credit bureau s. (  XX/XX/XXXX  ) 8. Informed by credit bureaus that the inaccurate information would n't be deleted, and that they have no information from the lender to share with me. After talking to the supervisor, he refused to " continue to talk in circles with me regarding their legal obligation to report accurate information under federal law 15 USC 1681i ( Procedure in case of disputed accuracy ), and hung up while I was talking. (  XX/XX/XXXX  )