23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I filed a claim ( claim ID : XXXX ) for a purchase at XXXX that was cancelled and supposed to be refunded back to the same method of payment ( which was my card ending in XXXX ). 

Chase initially gave me the money back, but later reversed the claim because XXXX sent them a proof of purchase. 

I did not dispute the proof of purchase, I disputed that the refund was never put back on my card. XXXX charged me for a service ( XXXX XXXX XXXX ) that was cancelled because of not having a valid ID. 

I paid {$2500.00} plus a {$16.00} service fee to XXXX, and received no service.
Product: Debt collection

I was served from Bonded Business Services,  LTD  in  XXXX   XXXX , the information says I need to file information for a debt I owe.     In  XXXX   XXXX  I bought our house and part of the loan was paying off anything listed on my credit report. Part of those were accounts owed t o Bonded Business Services and I have record from my loan company that they had   been paid.     In  XXXX   XXXX  I received noticed of debt owed to  Bonded Business Services a nd I called them to dispute, I was told then my accounts had been paid so I moved on and thought nothing of it, figured it was only a communication error. I was told on that day the accounts had been paid in  XXXX   XXXX . It has been confirmed with  Bonded Business Services this had taken place and is in the notes.      Since I was served now in  XXXX   XXXX , I was confused and calle d Bonded Business S ervices to once again clear up the confusion. I was called back by a  XXXX   XXXX  who identified herself as an employee o f Bonded Business  Services. In speaking with  XXXX   XXXX  she advised me that they accounts I show as paid were different accounts and I still have a judgement against me for another account. She never verified which accounts were for what, only stated I had paid  XXXX  services.     I think asked when I was notified of this and she mentioned I was notified in  XXXX   XXXX , she stated she saw in the notes that I had called and had been advised " the accounts had been paid '' I told  XXXX   XXXX  that was the only notification I had received and had called to dispute and was advised my accounts were paid, which she said confirmed that other than being served there are no records of other attempts to collect the debt or allow me to dispute further.     This is an error on Bonded Business Services, I am not convinced I owe the debt and I certainly should not be held liable for their error. I was advised my accounts had been paid, even  XXXX   XXXX  verified I had been told that but they will not help me further.
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. 

XXXX XXXX : ACCOUNT # XXXX and XXXX XXXX : ACOUNT # 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 602A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

1581 U.S.C 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of conviction which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States that 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: Payday loan, title loan, personal loan, or advance loan

Bank unlawfully misled consumers about its XXXX XXXX accounts and obscured its higher-interest savings product from them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX account # XXXX, 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.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax about inquires on my consumer file. The only response that has been provided is the generic " been verified ''. This company refuses to give any details of what was provided and how was the information verified. Equifax has a know data breach of the American peoples personal information yet this company is still able to provided false information. Equifax assumed the responsibility to report information for the consumer no law was passed for this action but yet this company has the ability to operate with impunity. There are multiple inquiries on my consumer report over 2 years old and Equifax still refuses to do what is right by the law.
Product: Credit reporting or other personal consumer reports

hello I filed a cfbp complaint with CarMax I was told to get in contact with XXXX XXXX or XXXX XXXX through CarMax I have tried several times to get in contact with XXXX XXXX even through email I have called my bank on three way once with one of the representatives and when I clicked back over the lady was so rude to me through CarMax she even pretended to act like she couldn't hear. The second lady i was able to merge my bank but he hung up because he couldn't do three way calls he said " I can only notify XXXX  XXXX had over XXXX in the bank. Im very frustrated with carmx and I cant wait to go somewhere and refinace this is XXXX and they are crooks this information that they are reporting is false.
Product: Mortgage

I have submitted my application for a modification to have reviewed once more. I submitted all my paperwork on XXXX XXXX, 2015. My income has declined since my last submission, and I have not received a call or letter to acknowledge my submission. My daughter contacted the home preservation specialist, and stated she is n't sure my information can be reviewed once more.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : name : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Collection/Charge Off XXXX XXXX XXXX XXXX {$9500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX  XXXX XXXXXX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$18000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$4200.00} XXXX XXXX XXXX A XXXX XX/XX/XXXX {$8200.00} XXXX XXXX XX/XX/XXXX {$8200.00} - Duplicate Copy XXXX XXXX XXXXXX/XX/XXXX {$4200.00} XXXX  XXXX XX/XX/XXXX {$5700.00} Credit Inquiries  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User with XXXX Cards. I have already called XXXX to tell them I never gave permission to be on this card and this tradeline was removed from XXXX and XXXX but Equifax has never corrected this reporting error.
Product: Credit reporting or other personal consumer reports

On XX/XX/ CAPITAL ONE ran my credit and I was hit with a hard inquiry when I did authorize this AT ALL. I tried to call directly to ask follow up regarding how this was possible and it will take 2 weeks for someone from their fraud department to get back to me.
Product: Credit reporting

I have disputed the accuracy of XXXX XXXX XXXX XXXX XXXX,XXXX times ( investigation no's.XXXX,XXXX,XXXX ) .All XXXX times, equifax verified either knowingly or negligently, the incorrect information still reporting today.In the most recent investigation I was very specific about my dispute.I SAID '' THAT THE DOFD WAS INCORRECT, THAT THE DOFD COULD NOT BE THE SAME DATE THAT THE ACCOUNT WAS ASSIGNED TO THIS DEBT COLLECTOR '', IT MUST ACCORDING TO FCRA ANTEDATE THE DATE ASSIGNED IN ALL CASES. ( FCRA ATTACHED AND HIGHLIGHTED OR UNDERSCORED ) .IN MY CASE, THE REAL UNREPORTED DOFD ANTEDATES THE REPORTED DOFD BY APPROXIMATELY 1 YEAR.IN THE XXXX RESULTS OF INVESTIGATION THE DOFD AND DATE ASSIGNED ARE BOTH XX/XX/2012.I POSSESS OTHER EVIDENCE THAT THIS LENGTH OF TIME BEFORE ASSIGNATION IS THE PATTERN AND PRACTICE OF THE ORIGINAL CREDITOR XXXX.XXXX IS IN BUSINESS TODAY , IS REACHABLE FOR VERIFICATION AS I POSSESS A XXXX ACCT. TODAY.THIS act of EQUIFAX/XXXX XXXX XXXX is called re-ageing of the account, it is an illegal practice. 
THE FCRA PERTINENT TITLE IS ATTATCHED.BOTH THE CREDITOR AND EQUIFAX VIOLATE THE FCRA TODAY AND DAMAGE ME.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their failure to update my personal information on my credit report. The outdated information pertains to my previous addresses, which are still listed on my credit report despite my efforts to have them corrected. I have sent certified mail to the agencies to address this matter back in XX/XX/2023 and they have fail to update my report. 

By reporting these inaccuracies they are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury.
Product: Credit reporting

I disputed a XXXX collection on my Experian credit report starting XX/XX/XXXX. Up to now, Experian still has not removed the XXXX account even after I submitted proof of XXXX balance on XXXX of the account. I informed them that XXXX is submitting incorrect information.How can I have XXXX accounts opened at the same time? Also, how can I receive a credit and a check after I moved and closed my account? Experian is refusing to remove this debt collection account based on XXXX unwilling to rectify this incorrect information reported on my credit report. Experian quickly concluded their investigation in a matter of days and did n't provide me with details as to how they concluded the debt is valid. I need to have this debt removed and for the time clock not to be restarted because I am disputing them with CFPB. Account Number starting with XXXX is not my account and states it was open XXXX. While the correct account XXXX was opened XXXX and last status was on XXXX. This is from Experian report number : XXXX/Report Date : XX/XX/XXXX when I requested my free credit report.
Product: Payday loan, title loan, or personal loan

I took out a 7 year installment Personal loan to replace the upstairs air conditioner for my house. The rate quoted was 14.99 %, the actual effective rate over the lifetime of the loan is 44 %. I took this out in XXXX of 2017 and have had numerous phone conversations with Discover about how I was misled and deceived regarding the effective rate of this loan.I have told them that I want the loan changed to an actual 14.99 % loan calculated based on total amount borrowed multiplied by the interest rate divided by 7, which is what I was led to believe this loan was.This would give total interest of {$220000.00} over the life of the loan instead I am currently paying at a rate of over {$7000.00} in interest for the life of the loan. My latest call to Discover verified this so that the effective interest rate for the life of the loan is approximately 44 %.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The listed account is not affiliated with me nor are they authorized by me. 
XXXX XXXX XXXX Balance : {$910.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  AZ XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Student loan

promissory note loan per alabama FCRA statue 6.2.37 and 6.2.30 statue of limitations for Alabama for this type of loan is 6 years delete from my credit report and I ca n't get any of the XXXX credit reports to remove loan I am XXXX and my loans have been discharge due to XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention fraudulent personal information linked to my identity. Certain accounts and transactions have been wrongfully attributed to me without my knowledge or consent, causing significant distress. As a victim of identity theft, I have reported the incident and taken immediate action. It is essential to address this matter promptly, as it has adversely affected my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent issue is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found some inaccurate fraudulent information regarding this company. The address that is associate with this account I never lived there and the dates that these loans were taken out, I was not in school!
Product: Credit reporting or other personal consumer reports

Currently have XXXX as my mortgage company for the past year i have been fighting with them over my XXXX and why my mortgage payment went up {$XXXX} more a month. and now they have said i have not paid the last XXXX months of my mortgage, which i have paid and they have pulled that money from my bank account, and not putting it towards my mortgage. i have read many Reviews and complaints of XXXX and i am not the only victim. I know something is all messed up I call XXXX and no one knows what is going on. Now with this issue my credit report took a big impact. in a bad way. XXXX is saying negative things that impact my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reaching out because I got a copy of my credit report and saw so many inquiries that are not mine. I dont know who is trying to run my credit. Can someone please have these inquiries removed from credit report. 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 XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX and XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have no knowledge of this account, XXXX XXXX XXXX XXXX ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-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.
Product: Credit reporting or other personal consumer reports

Recently I finance a car and the dealer applied for a loan through XXXX XXXXXXXX XXXX which was a success. However, I see multiple loan hard inquiries on my credit from the same day of XX/XX/2023 which I do not recognize
Product: Money transfer, virtual currency, or money service

I requested a direct deposit on XX/XX/XXXX, of my balance of {$400.00} on mercari selling app. I had a previously suspended account and it triggered another suspension. I contacted support and after many attempts, someone was finally helpful and verified my ID and I was able to access the deposit page. But it was still showing me error messages, I asked support again. And somehow someone closed the inquiry, and they are asking me what account was it for because they dont see it. And then someone said I need to use a new debit card to deposit into. I got a new debit card, and its showing me activities not allowed. And support responded with please use a new bank account. I emailed them its a brand new debit card from a different bank. They emailed back with the same message, please use a new bank account. I told them again, they responded the same way every time. I dont know if its just bots messages but it doesnt make sense with me saying its a new bank account, and get a response of please use a new bank account, it sounds ridiculous but its true. Its been back and forth like this. Ive been emailing with their support since XX/XX/XXXX, everyday. No resolution in sight. Mercari also imposed a {$2.00} deposit fee without noticing their users, its not much per person, but they have a total of XXXX XXXX active users in XXXX, thats $ XXXX if they take {$2.00} from each user. Its literally easier than robbing a bank. Multiple banks. After getting backlash online, they postpone the date to XX/XX/XXXX, giving some users time to transfer their money out. If some sellers have sales in progress, Mercari still have the {$2.00} from each user. Its not a lot per user. But think the number of active users they have. Even if its XXXX XXXX users, thats already {$2.00} XXXX. This is not agreed upon when people were signing up. The company saw the money sitting in their app and decided to take a chunk of it. XXXX not credit or debit. Its literally robbery. I have {$400.00} stuck there, and I wont be able to get it out before XX/XX/XXXX. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, 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
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I purchased an item for {$580.00} and made payment via PayPal.

Unfortunately, the item I received was not as described, with significantly lower quality than expected.

I opened a dispute with PayPal on XX/XX/year>, requesting a refund. PayPal instructed me to return the item and upload a tracking number through their Resolution Centre by XX/XX/year>, to process my refund. 

I attempted to upload the tracking number as instructed, but PayPal 's system failed to accept it.

To address this issue, I obtained a letter from XXXX confirming that the tracking number was provided within the required time frame and submitted this evidence to PayPal. 

Despite complying with all their instructions and submitting the necessary documentation, PayPal denied my case on XX/XX/year>, citing " failure to provide valid proof or tracking. '' Additionally, I filed a complaint with the XXXX XXXX XXXX XXXX XXXX  ) regarding this matter. However, PayPal has not responded to the XXXX  complaint, leaving me with no further recourse. 

This denial is unfair as I have followed PayPal 's process, provided timely evidence, and complied with their instructions. 

I can provide the following documentation upon request : 1. The letter from XXXX confirming the timely receipt of the tracking number. 
2. PayPals denial email dated XX/XX/year>.
Product: Debt collection

This account is being reported on my consumer report. I have no knowledge about this alleged debt or this collection company. I was never notified about my right to dispute. This company has already been notified however it is still reported this information on my consumer report