23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Equifax as it pertains to two hard inquiries that were reporting on my credit report. That of XXXX dated XX/XX/2021 and XXXX dated XX/XX/2021. I disputed these two hard inquiries being reported on my credit report. I have attached a copy of the complaint that I submitted to Equifax through the CFPB. 
Equifax responded and I quote, '' NON REPORTING DISPUTES Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ( End Of Quote ) When I checked my credit report online both hard inquiries were still reporting on my credit report. Please delete both hard inquiries from my credit file immediately please.
Product: Debt collection

I have request kickoff to submit to me information where i authorized them or any document in which i requested information to become a part of the credit notihing happen they just keep reporting wrong information and this is an account that was under identity theft
Product: Credit card

Ive been trying to figure out why I cant use my credit card for over a year and Ive called Santander Customer Service a dozen times with it never being resolved. They kept telling me there was a block on the card, but couldnt tell me when or why the card was blocked. I finally got an answer that for the past 6 years I have been unable to use the card because my wife died and she was the owner of the card. So I have been paying off this card monthly for over XXXX years for absolutely no reason when I couldnt even use the card. And none of them would tell me the real problem for over XXXX years. Ive wasted over XXXX dollars paying off a card I didnt have to pay because the company wouldnt tell me the truth about my card. It was my wifes legal responsibility to pay the card and they refused to tell me she was the owner of the card and would only tell me the card was blocked. I was not responsible for this card. They even reissued me a card about a year ago when they knew full well I would not be able to use it. They manipulated this situation to take advantage of a consumer who lost a spouse to recoup as much money as they could before the truth came out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & experian have new inquiries that need to be removed from my credit report asap i gave noone permission to run a credit profile for inquiries fot me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a XXXX XXXX new card after trying to make a purchase using my old acct there ... .i was informed that the old account in approx. XX/XX/XXXX would not allow the workers to make a purchase on my acct. XXXX the store representatives at the XXXX XXXX Mall, NY got my information and opened up a new XXXX XXXX credit card for me in which i never got the card in the mail or the account number ( although the store employees indicated that i would receive my new account and card in the mail ... .I was recently told that XXXX XXXX XXXX took over the billing for XXXX XXXX XXXX ... ..my account was paid to be interest free in which the representative at XXXX customer service collections office by the name of XXXX informed me that she did not know the percentage of payment amount that i had to pay to receive the interest free ... .she could not see the purchases i made ... my interest free ends in XX/XX/XXXX yet i am being charged as if this account is not interest free ... ... the representative XXXX could not even tell me what purchases i made the company is very unorganized nor could the store employees tell me what purchases i made in the event i would like to return an item ... ..this negligents in keeping a the aformentioned {$800.00} credit limit account open when i could not purchase anything on it and requested that it be closed in XX/XX/XXXX is irresponsible and hurt my credit score the account was just closed after i demanded it to be ... ..complaint to the store again over the phone on its XXXX customer service number ... ..i was given a number to the parent organizaation of XXXX by the representative XXXX to file a complaint although she told me she could take a complaint at XXXX XXXX XXXX - about their billing ... the lady was rude asking me the same questions over again when the stores representatives told me that i had 1 year interest free before i would be billed which was not true ... ... ... ..doing so hurt my credit score although i have made payments ... .i have not gotten one bill or a credit card on the 2nd account XXXX approved for {$6000.00} ... ..this business has behaved shady and unscruppolous who issues credit refuses to give the customer a credit card or bill and keeps open a dormant account after the customer requested it to be closed yet they continue to send a new card for the dormant account not the higher interest rate account ... i have not received one bill ... ..they should be sanctioned ... .when i go into the store or call the store reps can not tell me what i purchased or all of my payments made in the store ... ... please remove all the deragotory stuff off of my credit report by this company ... i will never make another purchase there ever
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX PHH Mortgage report both me and my wife delinquent for the month of XX/XX/XXXX. I reached out to them and asked that they issue a retraction to all 30 major credit reporting agencies. 

On XX/XX/XXXX I received an email from XXXX stating that they have completed their investigation and sided with PHH based on their recommendation not to change the status.. I tried to explain that the month of XX/XX/XXXX isn't completed and that they can not stated that I am 30 days delinquent. I was then told that there's nothing more I can do. 

PHH is a subsidiary of Ocwen Financial. They have been previously sued for this same XXXX XXXX demand letters.
Product: Checking or savings account

I deposited a lawsuit payout check on XXXX. This check was from the following Federal Case XXXX XXXX XXXX XXXX XXXX XXXX I was told there would be a five day funds hold because of my account being new. 

Knowing that I was receiving my payout check, I took the month of XXXX off of work to spend with my daughter before she went back to school. 

Citizens locked me out of my account and locked my debit card. 

Realizing this, I called on XX/XX/XXXX and told the representative what was going on and he told me the funds were in a longer hold and my account was under review. 

I told him where the check came from and he assured me everything would be resolved timely. 

I received a letter on XX/XX/XXXX stating my funds would be available on the XXXX I called several more times that week and a supervisor told me my account would be unlocked by the XXXX. 

I called everyday after that to check the status until the funds became available on the XXXX. I called on the XXXX and XXXX and was told the same thing. 

I HAVE NOW SUFFERED LATE PAYMENTS TO MULTIPLE CREDIT CARDS AND HAVE LATE BILLS AND INCURRED LATES FEES TO MULTIPLE ACCOUNTS I HAVE NOT BEEN ABLE TO GET ANY CASH ADVANCES WITH MY CREDIT CARD/CARDS AS PAYMENTS ARE DUE AND I CAN NOT MAKE PAYMENT BECAUSE MY ACCOUNT IS LOCKED I AM SUFFERING SERIOUS DAMAGES BECAUSE OF CITIZENS ALL 6 CITIZENS BRANCHES NEAR ME ARE PERMANENTLY CLOSED HAVING BEEN BOUGHT OUT. SEE XXXX XXXX XXXX  AREA. NO BRANCHES WITHIN 100 MILES OF ME. 

CITIZENS CANT GIVE ME MY ACCOUNT NUMBER OVER THE PHONE AND BECAUSE I DO NOT HAVE ACCESS TO MY ONLINE ACCOUNT OR A BRANCH OR MY DEBIT CARD I HAVE NO ACCESS TO MY FUNDS AND HAVE BEEN CHARGED WITH SERIOUS LATE FEES ON SEVRAL ACCOUNTS AND BILLS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account XXXX. High credit balance reported as a loss by credit grantor. Balance Credit Limit is {$0.00}. 15usc 1681i I have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you submitted to the IRS please remove and suppress. please update credit report
Product: Credit reporting or other personal consumer reports

I wrote XXXX XXXX XXXX to tell them Im opting out. And no longer want them to share my personal information with any credit reporting agencies. They still have not responded. 

Also All credit bureaus ( XXXX, XXXX, Experian ) are in violation under the privacy act of 1974. Charge offs are considered CERTIFICATE OF INDEBTEDNESS. Which means it is now considered income and must be removed off my credit report. It should have not been there to begin with. Pur 15 U.S. Code 1681n each credit bureau owes me a {$1000.00} Per violation.
Product: Money transfer, virtual currency, or money service

Venmo took XXXX $ for me and closed my account right after without giving my money back after I uploaded my id n bank statements
Product: Student loan

Monday, XX/XX/XXXX Name : XXXX XXXX XXXX ( Automatic//Full Discharge Group : XXXX XXXX XXXX  ) Borrower Defense Application # : XXXX Borrower Defense Application School : XXXX University The XXXX XXXX Officially Imploring The Intercessory Assistance Of The US Department of Education to fulfill the law and its own policies : pertaining to the Sweet v. Cardona as illustrated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Special Emphasis On : All federal loan servicers have until XX/XX/XXXX, to effectuate settlement relief for Class Members in the automatic relief group. Now past XX/XX/XXXX deadline, ED Financial Services is unable/unwilling to adhere to the Honorable Senior District Judge XXXX XXXX XXXX XXXX ( In XXXX XXXX XXXX XXXX XXXX and the Department Of XXXX XXXX XXXX XXXX XXXX In Default/Disservice ) XXXX 
XXXX. Though XXXX XXXX XXXX did receive the discharge of all Relevant Federal Student Loans ( completed XX/XX/XXXX, Student Aid Portal ), ED Financial Services has not completed the credit reporting repair to all credit agencies, as pertaining to the XXXX XXXX XXXXXXXX. 
XXXX. Though XXXX XXXX XXXX did receive from the US Department Of Treasury a refund check ( XX/XX/XXXX, US Mail ) for {$5400.00}, ED Financial Services provided an incorrect amount to the US Department Of Education ; Ed Financial Services never contacted XXXX XXXX XXXX prior to verify the accuracy of the refund ; Ed Financial Services also changed XXXX XXXX XXXX account number without notification from XXXX to XXXX. XXXX XXXX XXXX provides the collected amounts paid, related to XXXX University, totaling {$8800.00}. Still owed refund check to XXXX XXXX XXXX -- {$3300.00}. [ Copies provided in trust and good faith ] Again, all loan servers, not in compliance and engaging in lawlessness with the misuse of guile/subterfuge, delay/stall tactics, and sending only generalized information, need to be closed for good -- they have lost all trust and good faith. Also illustrated, Ed Financial Services demonstrated further below minimal banking standards : received a CFPB fine for deceptive practices XXXX XXXX XXXX XXXX XXXX  ), and received a US Department Of Education fine for XXXX XXXX ( XXXX XXXX XXXXXXXX ). Please, take further action now. 

Sincerely, XXXX XXXX XXXX A Constituent Of House XXXX XXXX XXXX : California 's XXXX Congressional District Previous Contacts XXXX XXXX FTC XXXX FDOE XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In 2019 we bought a water softener and reverse osmosis system from XXXX and paid for an extra extended service warranty. Since then, they supposedly have gone out of business and transferred our payments to another company with the same name, XXXX. Who claims to not be responsible for the warranties anymore, but only responsible for collecting payment. So they are still charging us for XXXX and telling us there is nothing they can do. Right we need this modified. We need help with this.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries doesn't belong to me, hasn't beig autorized by me and has to be removed. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/scrub>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 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/year> PERSONAL INFORMATION INCORRECT ADRESSES : XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX NAMES INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX INCORRECT EMPLOYMENT INFORMATION XXXX XXXX
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 two late payments on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates on ( XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) and ( XXXX XXXX XXXXXX/XX/XXXX ). I am now requesting an investigation to provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments to be updated to paid on time immediately. Thank you for your understanding and prompt action.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Money transfer, virtual currency, or money service

Block, ink. Due to inadequate customer service and unfair practices which violate the consumer financial protection act parentheses 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, they dispute. Resolution process was unfair and deceptive, as I did not comply with error, resolution requirements under the electronic fund transfer act Parentheses EFTA in regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/22 I placed an order with XXXX XXXX  in the XXXX XXXX that totaled {$120.00}. That did not include transportation charges. I asked them to advise me of what the transportation charges would be before accepting and shipping my order. The next day they told me how much that would cost, and I decided not to proceed and told them to cancel my order. My problem is that my credit card company did not refund the foreign transaction fee of {$1.00} and also refunded me {$1.00} less than the original purchase amount. To correct this I am seeking a refund of {$2.00}. I just want to be made whole for a transaction that never went forward and was cancelled.
Product: Student loan

I am a student. My loans have been in deferment while I am in school. However, Sallie Mae neglected to inform me that my in school deferment would run out last semester. Now my overdue balance has skyrocketed to a point I can not pay. I am requesting for Sallie Mae to bring my account current and work with me to reach an agreement where I can afford to survive. This should not be this difficult. 

I have spoken with them numerous times and each time they demand I make the overdue payment, which I tell them I can not afford. They are unprofessional and should be ashamed to work for such an organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not taken any action at this time yet as Im writing my complaint to you first 1.XXXX XXXX - {$0.00} XXXX 2.NISSAN MOTOR ACCEPTANCE - {$41000.00} XXXX 3.XXXX XXXX - {$4900.00} XXXX 4.XXXX XXXX XXXX XXXX 5.XXXX XXXX - {$390.00} XXXX 6.XXXX XXXX XXXX - {$3700.00} XXXX 7. XXXX XXXX XXXX - {$370.00} XXXX 8.XXXX XXXX XXXX - {$3700.00} XXXX 9.XXXX XXXX XXXX - {$1000.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and have found that PDQ Services Inc is reporting a collection on it. PDQ Services Inc is not a licensed Debt Collection Agency which is a requirement in the State of New York. Please remove the account for this illegal collection activity.
Product: Debt collection

I received a letter in the mail from a company called CCI ( Contract Callers Inc. ) on XX/XX/XXXX stating that I owe {$130.00} from a default consumer. I did not owe anyone any money and I have great credit ratings in the XXXX 's. I called this company and they said that I owe a company called XXXX XXXX the money for not paying them. I advised that I do not owe them and it was a scam and they were trying to commit fraud. CCI did not check the source of the company they were trying to collect for and I believe may be involved in the scam or fraud. They told me I had to write them in order to dispute the matter. I wrote them XX/XX/XXXX disputing such amount owed for I never received goods from this company. The sent me a letter back on XX/XX/XXXX stating I needed to fill out identity theft paperwork asking for all my personal information. I in return sent a letter back to them on XX/XX/XXXX stating it was not identity theft but a scam and fraud and to check into the company that they are collecting for. I then received a call from CCI threating me to send this to my credit report which was already done and in so hurt my credit rating lowering it to XXXX. I did some digging into XXXX XXXX and within the last 6 months they have done this to multiple people. They do this to commit fraud, hurt your credit, and collection agencies go along with it. This is not fair to anyone of those people including myself and they should be prosecuted for fraud.
Product: Mortgage

XX/XX/XXXX Carrington Mortage and myself came to an agreement on how much I owed as to late payment of my loan. 
I agreed to pay alot of money for 2 months of XXXX XXXX dollars to get me current. 
I to this day I am still being charged 3rd party charges even stated today when I paid extra the representative said I could still have 3rd party charges next month even though I have been current for months. 
My payment for XXXX was XXXX Last month was same My payment should be XXXX I only make XXXX every 2 weeks I have told them this every month Including when I started paying what I owed the first 2 months were XXXX Was very hard to maintain with what I made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I hope all is well! 
Recently, I did an investigation on my credit report which caused me severe stress and XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Credit reporting or other personal consumer reports

I recently noticed a fraudulent account on my credit report from XXXX XXXX XXXX, account # XXXX, opened on XXXX  with original balance of {$890.00}. 
I did not authorize this account and it is not mine. Identity theft report filed and included.