23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020, I was charged {$780.00} by XXXX  XXXX XXXX on a Discover credit card. I never bought or ordered anything from this company. 
On XX/XX/2020, this amount was returned to my account. 
On XX/XX/2020, this amount was deducted again. 
On XX/XX/2020, the amount was returned. 
XXXX XX/XX/2020 amount deducted again. 
XX/XX/2020 amount returned XX/XX/2020 amount deducted again. 
Already in XX/XX/2020, I initiated a dispute against this transaction. On XX/XX/XXXX, the company sent me a decision that it was a no fraud and closed the dispute. The whole affair stretches to this day. 
The goods were ordered with my credit card but with my wife 's name. My wife also did not order or pay for any goods. The credit card was issued only for me. Only I use it this credit card. When I asked how it was possible that a transaction with my card number but a different name was allowed, it was not explained to me.
Product: Student loan

Set up several student loans with XXXX XXXX, who then turned into Navient. Performed SEVERAL forebearances over the years ( due to financial hardships ), and also went through a couple of income-based repayment plans. No information was given regarding these services, and now I have over {$50000.00} in student loans due to interest. This information should have been disclosed and signed off on prior to obtaining these hardship options.
Product: Checking or savings account

On XX/XX/XXXX I called Capital One to get a phone number tied to a transaction on XX/XX/XXXX. The agent asked if I wanted to dispute it, and I informed him I would call back if I wanted to and I ended the call. Without my knowledge or approval the agent initiated a fraud investigation. On XX/XX/XXXX my debit card was blocked without my authorization or approval .Upon calling and spending over an hour on the phone and being hung up on by one representative, I was given multiple reasons for the block and each time I disputed the reason being given I the story was changed to fit Capital One 's narrative. They refuse to overnight me a new debit card so I am now without access to a workable debit card until they send me out a new one.
Product: Credit card or prepaid card

Our new cards were sent by Citibank ( XXXX XXXX ) mailed to my home address XXXX XXXX XXXX, XXXX, VA XXXX and forwarded to my old address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, MO, XXXX. Below are all the charges : XXXX XXXX XXXX XXXX XXXX Charges : XX/XX/2022, XXXX XXXX XXXX XXXX, XXXX XXXX, KS for the amount of {$230.00} XX/XX/2022, QT XXXX, XXXX  XXXX, MO for the amount of {$11.00} XX/XX/2022, QT XXXX, XXXX  XXXX, MO for the amount of {$50.00} XX/XX/2022, The XXXX XXXX XXXX, XXXX XXXX, MO for the amount of {$12.00} XX/XX/2022, The XXXX XXXX XXXX, XXXX  XXXX, MO for the amount of {$12.00}
Product: Credit reporting or other personal consumer reports

Someone open a credit card in my name ; I did not open this card
Product: Credit reporting or other personal consumer reports

Experian, Equifax, and TransUnion are intentionally damaging my credit by refusing to remove unverifiable and inaccurate late payments that I have disputed multiple times. 

Because of these false late payments, I have been : Denied credit. 
Denied credit limit increases. 
Prevented from financial opportunities that I rightfully qualify for. 

Under 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure maximum possible accuracy. If they can not verify an account with actual proof, they are legally required to delete it. 
I have disputed these late payments multiple times and requested : 1. Proof that the payments were actually late.

2. Proof that my creditor provided the legally required 21-day notice before reporting a late payment ( 15 U.S.C. 1666b ). 
XXXX. Proof that the credit bureaus conducted an independent investigation instead of just accepting the creditors word. 

None of these have been provided. This means the late payments must be removed immediately. 

Laws the Credit Bureaus Are Violating : 15 U.S.C. 1681e ( b ) Credit bureaus must ensure maximum possible accuracy and can not report unverifiable information.

15 U.S.C. 1681i ( a ) If an item is disputed and can not be verified, it must be deleted.

15 U.S.C. 1666b The creditor was legally required to send a written notice before reporting a late payment, and they have failed to provide proof of doing so.

15 U.S.C. 1681n & 1681o These laws allow me to seek damages for willful or negligent violations of the Fair Credit Reporting Act ( FCRA ).

Requested Resolution : Immediate deletion of all late payments from my credit report due to violations of FCRA laws.

Written confirmation within 15 days that these late payments have been removed. 
If no resolution, I will escalate to : The Attorney Generals Office.

The Federal Trade Commission ( FTC ).

File a lawsuit for damages due to unfair credit harm.
Product: Consumer Loan

I have submitted XXXX complaints prior to this concerning the same company about calling me and harrassing me over the phone. I as well have sent this company a cease and desist letter about understanding my rights. I have also changed my phone number. They have called me at work and now they have again managed to find my new phone number and begin harrassing me more. 
I have explained to them i am under financial burden with a new job carreer that has cut my pay dramatically however they cintinue to harrass me. 
What does it take to get them to cease and desist. 
My attempts have no avail.
Product: Money transfer, virtual currency, or money service

On Sunday morning, XX/XX/XXXX, I received two emails from a service called MoneyLion. The first email notified me of a phone number update on an account that I did not open. The second email notified me of a change to the address on the same account. I went to the service 's website and used my email address to change the account password so I could see what was going on. On login, I found my first name and last initial on the profile page, along with my DOB. I am not able to see whether the SSN matches mine or not. The phone number and address do not belong to me. I also have noticed that there is a credit card associated with the account, ending in 4 digits that do not match any of my credit cards. It appears as tho the scammer who opened this account is using PII from a number of sources for purposes of fraud. In order to protect my own PII, I have not changed the address or the phone number and I took screenshots of the information on my phone. The service made me download their app and log in from my phone to see this information. There are no options in the app to cancel a membership or request that they delete or close an account.

I attempted to contact MoneyLion immediately. The service seems to offer a range of personal loans and something called " XXXX, '' with a corresponding membership fee that I can neither find details on nor cancel. They have no " report fraud '' or other emergency security contact information, and when I called the customer service number, I got a message saying they are closed ( Sundays ). I plan to try and call again tomorrow and I have sent two complaints via email, explicitly asking for the account to be closed. The service 's lack of security protection or fraud support as well as the questionable design of the systems are deeply frustrating and I encourage you to investigate this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below you will find the list of institutions that got a copy of my credit report in the past I have had no luck removing them with previous methods so this is my final resort. Please delete these inquires off my credit report. 

XXXX inquiry date XX/XX/XXXX, XXXX  inquiry date XXXX XXXX, XXXX, XXXX  inquiry dated XX/XX/XXXX, XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX BANK inquiry date XX/XX/XXXX, XXXX XXXX XXXX  inquiry date XX/XX/XXXX, XXXX BANK inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX  XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX, XXXX OF XXXX inquiry date XX/XX/XXXX, XXXX XXXX inquiry date XX/XX/XXXX.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Vehicle loan or lease

My husband and I have files several disputes with XXXX, XXXX, XXXX, and BRIDGECREST, about inaccurate information on my credit report. The first time Bridgecrest was reporting all the negative payment history and refused to include the positive payment history. After trying to dispute that, Bridgecrest started placing IN REPOSSESSION for each month for 3 years after the car was repossessed. We sent in another dispute, XXXX, XXXX and XXXX reported the same inaccurate information. We tried to fix the problem by calling BRIDGECREST to report the inaccurate information. XXXX told us, they wasn't fixing anything, because everything they sent to the credit bureaus is correct until 2026. We explained that the account cant be still open, if we don't have the car. We also let him know, reporting IN REPOSSESSION for years on our account is not fair. He replied, it is what it is and that is what they will continue to report every month.
Product: Payday loan, title loan, or personal loan

I been in contact with the california Check cashing place in XXXX XXXX california due to a signature loan i obtained, i had been paying it until i lost my job. I called them in XX/XX/2018 to let them know of my situation and they refused to defer my payments until a job is obtain, i been trying to work with them and they refused to help. I also been asking for information regarding their interest rate on my loan they said that when loans are behind on payments that the interest accrued is different then those loans that are paid on time. I think is unfair and dont see why i am being penalized differently then any other person who pays their loan on time. My loan is for {$2500.00} and they said payoff is {$4700.00}, i dont see how this fair. I have no copies of loan term and they wont email it to me.
Product: Checking or savings account

Unable to link PNC Bank account to receive child support and XXXX  expense payments.
Product: Debt collection

In XXXX a valid debt was charged off from XXXX XXXX XXXX XXXX XXXX. I paid this in a settlement in XXXX over the phone to a collection agency. 

I contested this still being on my credit report in XXXX XXXX. I received a settlement letter on XXXX/XXXX/XXXX from XXXX XXXX XXXX on behalf of XXXX XXXX Bank. When I called XXXX on XXXX/XXXX/XXXX to say I had already settled this back in XXXX, but in the interest of settlement, I was willing to pay it again if I could be ensured it would be reflected properly on my credit report, they directed me to call Galaxy International Purchasing LLC ( XXXX ) to ensure it would reflect properly upon payment. After repeated calls, I finally got through to Galaxy on XXXX/XXXX/XXXX and explained the situation. They told me to call XXXX XXXX Bank ( XXXX ) as they have nothing to do with my credit report. 

I called XXXX XXXX Bank, after verifying my information and that it was in concern to a debt patched me through to some other company of which I did n't get their name due to a language barrier. The lady I spoke with told me to disregard the letter I received on XXXX from XXXX, despite XXXX telling me they were representing XXXX XXXX and that I had 60 days to accept their settlement offer. I was told XXXX XXXX has no record of them or Galaxy handling this account and that I should work through XXXX XXXX ( XXXX XXXX, a company I 've never received anything from. 

I have called XXXX XXXX and have n't been able to get through to them. When searching XXXX 's number it comes up as XXXX XXXX XXXX XXXX All of these companies, XXXX XXXX XXXX XXXX, Galaxy, they all have slews of scam warnings and complaints online for shady practices. 

This same thing happened in XXXX and my settlement payment was lost in the mix. This has already been paid off once and I fear that if I pay anyone in this matter it will only get lost again, especially since they all seem to think I can pay them and no one else. I want this account deleted from my credit report as it was paid XXXX years ago and I 'm being scammed in an endless loop of calling other scammy businesses.
Product: Credit card

This complaint, with the correspondence/affidavit attached, is in regard to the application submitted to American Express on XX/XX/XXXX, Ref : XXXX. The application was denied and an adverse action letter was received on XX/XX/XXXXXXXX  instantly. 
As you may be aware I, the federally protected consumer, have a right to credit, and withholding my access to my securities is also securities fraud. It also goes against American Express 's FOURTH AMENDED AND RESTATED POOLING AND SERVICING AGREEMENT dated as of XX/XX/XXXX, the Prospectus dated XX/XX/XXXX, the Uniform Consumer Credit Code and the Uniform Commercial Code. An eligible investment has been given and there hasn't been equal consideration.
Product: Checking or savings account

Capital One : My paycheck was never direct deposited into my account. 20 million excuses why but nothing. They owe me {$2000.00} NOW.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( 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 and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is addressed to all three credit scoring agencies. 
I received a significant decrease in credit score from XXXX to XXXX / XXXX. 

Have an excellent payment history. Decreased by credit utilization by paying off credit cards and car loans. Credits lines would be reduced by credit card companies because I chose not to use them. This is a good thing yet we consumers are being penalized. 
Explain the substantial decease in credit score when all indicators show that I have been very responsible. I have increased my salary and paid down most debts. 

This is al happening in the midst of a global pandemic ... they can check - despite all the hardships - I have managed my credit consistently and prioritized it among more important things ( mortgage, kids schooling etc ) You ( credit agencies ) have nothing better to do than lower our scores even when there's no reason to do so. AND YES we're dealing with a pandemic next thing you know - they'll be asking for a bailout too Credit scoring agencies are luring to penalize us ... even credit card companies are extending some relief/ compassion. 

It is shameful this financial industry operates this way. I work in XXXX   XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX, and now XXXX. Can't compare that to the financial industry and their greed. You expect your medicine to be of quality yet we can't expect honesty and fairness from the finance industry? 

This credit scoring mechanism is a fraud, they tilt the scoring to lower your score regardless of how to lower your risk is. I ask the CFPB and the Congress to investigate this further. 

Consumers are unable to complain about credit scores ... only to dispute entries in the reports. Since I have no negative entries to dispute - I am not given the opportunity to complain about the score itself.
Product: Credit reporting or other personal consumer reports

I filed a dispute with XXXX XXXX XXXX XXXX about the errors listed on this account. That your company has reported on my credit report and it needs to be corrected, modified or deleted immediately. Because my consumer rights is being violated by your company for not complying to my demands. To correct these inaccuracies from my first dispute that I submitted through XXXX. The date this account was closed was on XX/XX/XXXX. But in fact, the payment rating on that very same date as you can see by looking at my XXXX credit report. It shows that the payment was XXXX days late? Also your company reported that the last payment was made on XX/XX/XXXX, but the payment rating shows a XXXX day late notation? According to the Fair Credit Reporting Act section 623 and 15 U.S.C. section 1681s-2 responsibilities of furnishers of information to consumer reporting agencies
Product: Vehicle loan or lease

On XX/XX/XXXX I first called Hyundai to have them transfer my title over to my local DMV. They sent me an email with information to fill in and was promised at most it would take two weeks for the DMV to receive. Since then I have sent this same email three times and have called XXXX customer service over 10 times by now. I called them this morning ( XX/XX/XXXX ) and was told by an automation I could not be helped and was hung up on. On XX/XX/XXXX, I called twice, where I was told that it would take two weeks for my title request to come through again. At that point it had already been 8 days. I have escalated this with a manager more than once, I call and ask about the status and there is always something that isn't correct or hasn't moved. I have also paid double insurance because my first insurance will not cancel without the transfer of plates, which is the fault of XXXX. I also want to be reimbursed for the XXXX $ it cost me. I have now paid TWO months of double car insurance and would like it to be refunded for both months. I am coming up to my third month of this. I still have had zero progress or help. I was given the incorrect address which the title was sent to, and have still not been able to reach anyone to have my title resent to the correct address.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. 
Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

XXXX and XXXX have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. A written confirmation of its correction would be greatly appreciated. 
XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

This letter is your formal notice to cease your unauthorized inquiries into my credit report and a formal demand that you immediately contact the data furnisher, where their organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my report to insure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Contract Callers Inc XX/XX/XXXX
Product: Credit card

There was a purchase I did not authorize on my card. My child might have used it without permission, but I dont know for sure. I just know I did not authorize it.
Product: Debt collection

I was just looking online at XXXX XXXX case look up and notice I have court date in the system. After run my credit report I notice this collection is on my report. I never purchase anything from a creditor by this name Midland credit XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am, XXXX XXXX submitting this complaint to EXPERIAN INFORMATION SOLUTIONS INC and there is no third party involved. EXPERIAN INFORMATION SOLUTIONS INC has violated 15 usc 1681b ( 2 ) by furnishing inaccurate items on my consumer report WITHOUT THE WRITTEN INSTRUCTION OF I, THE CONSUMER. I DEMAND REMOVAL/ DELETION EFFECTIVE IMMEDIATELY AND I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different amongst all three credit reporting agencies - 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THE FOLLOWING ACCOUNTS ARE INNACURATE AND I DEMAND PAYMENT HISTORY BE UPDATED REFLECTING POSITIVE HISTORY ONLY- XXXX  ACCOUNT NUMBER XXXX, XXXX XXXX  ACCOUNT NUMBER XXXX. I ALSO DEMAND EXPERIAN INFORMATION SOLUTIONS INC VERIFICATION METHOD. WITHOUT RECORSE
Product: Money transfer, virtual currency, or money service

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

The ITEMS listed below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unconfirmed & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to properly investigate the matter by using a third party as their verification provider. I've tried to address this directly with XXXX Credit Bureaus, but despite my efforts, they have been willfully negligent and in violation of XXXX law. I need this situation to be resolved right away. Please delete the following items from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$260.00}.