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

This is a prepaid card. Square has an obligation to follow state, federal, and visa/mastercard rules and not stall for 10 days to process a disputed transaction. 

Further, the same restaurant merchant where the disputed transaction has been initiated has a duplicate pending transaction which has removed funds from the account for 8 days and still counting as of this filing : XX/XX/XXXXXX/XX/XXXX thoughXX/XX/XXXXXX/XX/XXXX. 

Note : The support representative uses more abusive stall tactics by ask for an email address, when there is already a dedicated secure square email on file : XXXX.
Product: Vehicle loan or lease

I asked for my payments to be lowered and was told that they do n't refinance. I have n't been involved with the co-signer for three years and they have told me that there was no way to remove him from the contract. I make all the payments by myself. The total price of the vehicle is suppose to be {$14000.00}. The total with interest is suppose to be {$30000.00}. I have paid up to XX/XX/2017 a  total of {$21000.00} by my best calculations. I 've been told by XXXX XXXX XXXX which is located in XXXX Utah that I have a balance of {$9300.00} this seems wrong in more ways then one. I feel I 'm being ripped off with this high interest and would like to know if CFPB can tell me if this whole transaction has been legal. If it is then I really need help getting my payments lowered and the interest down if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing directly with XXXX XXXX, I tried escalating the matter to the credit reporting furnisher, EXPERIAN. I informed EXPERIAN that the information XXXX reported was inaccurate. I informed both XXXX and EXPERIAN about my identity theft and I provided a copy of the police report along with the FTC Identity theft report. I made multiple attempts in hopes of successfully removing these inaccuracies to avoid further damage to my credit worthiness in the eyes of potential employers or requested a copy of the original contract with my wet signature, a detailed itemized list of all charges made on the account and proof of verification for the items that were distributed. Neither one of them were able to provide any verification other than stating they verified through the data furnisher. Which leads me to be more concerned because I requested my data to be deleted along with placing a security freeze, effective XX/XX/2022. Yet both XXXX and EXPERIAN continue to not follow proper protocols to ensure the data furnished and filed is substantial to be able to be used in
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been sending letters to XXXX, Equifax, and XXXX in regard to items on my credit that are unverifiable. Also, most items do not match from 1 bureau to the other, stating missing information or information that does not match at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

he debt collector, XXXX, is claiming that I owe a cable provider debt that I do not owe. They claim that this debt was incurred in XXXXand this is OUTRIGHT FALSE. 

The last time I had cable television in my name was in XXXX or XXXX. As far as I remember, that account was closed satisfactorily with no payment due. However, even if this were not the case, this debt would be over XXXX XXXX XXXX. 

Furthermore, I lived in XXXX from XX/XX/XXXX until XX/XX/XXXX. Since I was there working the refugee crisis, my time in XXXX is well documented via major media like XXXX XXXX, and social media pages. 

At best, this company is REAGING old debt to make it appear new. A practice illegal and violating my rights to have my credit reported ACCURATELY. 

At worst, they are making up debt all together. 

Because I am rebuilding my credit and have VERY LIMITED number of accounts, the damage of this collection account has been immense and I have been rejected from many financial opportunities. 

I can not even get approved for the smallest card amounts and have been unable to rebuild my name because of their illegal practices. 

I disputed this account with Experian back in XXXX and this company verified the false information they are providing and Experian took their word for it without an further investigation that would have concluded this is NOT a valid debt or that it could possibly be recycled and reaged. 

As such, I would like to file a complaint against both Experian and XXXX. But especially against XXXX. 

For them to intentionally cause financial harm to Americans with false information after everything we went through with XXXX shutdowns is particularly repulsive.
Product: Credit reporting, credit repair services, 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, XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX, are all unauthorized and 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, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX : {$840.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX : {$780.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$470.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have tried multiple times to dispute this one item with both the creditor and all 3 Credit agencies to have this account removed from my credit report due to several violations according to the consumer laws and my rights as a citizen and nothing has been resolved. This is against the consumer law and it's causing me severe grief and XXXX as I'm unable to purchase a home for my family and giving me defamation. 

The Creditor ( XXXX XXXX ) has also violated my consumer law by not giving me the option to opt out from having my information reported to a 3rd party which by " 3rd party '' includes all 3 credit agencies ( Transunion, XXXX and XXXX ) and here is the law as it is written. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; XXXX XXXX XXXXXXXX - Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft because my information was stolen during a data breach. Scammers got access to my personal information including my bank accounts. I am sure that my information was used to open fraudulent accounts and now my reputation if being tarnished with this incorrect information. I have already disputed this account and did not receive any action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXXXXX1without my authorization and permissible purpose my consumer report was accessed for promotional purposes without my knowledge by ROCKET MORTGAGE located at XXXX XXXX XXXX XXXX, MI XXXX XXXX Pursuant to 15 USC 1681 b, they are in violation of FCRA I have sent a communication to the party responsible which I will be attaching to this complaint.
Product: Mortgage

I knew I would have problems paying my mortgage but I kept up for XXXX months what I was told I needed to get my interest rate lowered. Then I was told that could not happen because of inflation and the percentages being so high that they could not lower it. I told them that is not what was discussed XXXX months ago and now I am looking at losing my house .I requested help they did a modification and the payment went UP. I am beside myself and am disgusted with the lies and deceit mixed with this mess. I did not lie but have been lied to and feel like I have been tricked. My mortgage holder is Planet home lending.
Product: Credit reporting or other personal consumer reports

I went to XXXX XXXX back in XXXX it was a college located in XXXX VA. 
I was XXXX XXXX  and given 121 months in the XXXX XXXX XXXX. We reported this information and asked for aid and discontinuing money to go to the school. 

This School Closed in XXXX and would not respond to any of the letters that i wrote from XXXX  The loan company XXXX also was non responsive and when I came home in XXXX I was stiffed with a bill that was outlandish. They said the school was received the payments while i was away XXXX refused to help me rectify this and instead put me on some plan where combined like three accounts from them and said i wouldn't have to pay however it sits on my credit. 

years later XXXX sold my account with out my permission or any communication, to another company then Biden Administration asked about applications for student loan forgiveness i applied for that and now I'm being harassed by another company called Aidvantage. BUT HOW i was in XXXX and did not get to use my student loan i literally went in right after. how come now one in protecting me and why does XXXX XXXX  and XXXX get to get away with keeping money that was not used for the student. For God Sake the School does not even exist anymore.
Product: Checking or savings account

For my Application # XXXX for a checking and savings account, Citizens bank emailed me an approval letter ( attached ) and subsequently and without notice locked me out of online banking. Upon calling in and being thrice transferred and a 35:00 minute wait time ( in aggregate ) I spoke to a supervisor who said a letter was mailed that my accounts had been closed. 

I was unable to reach resolution with the said supervisor to have my new checking and savings account property open and activated.
Product: Payday loan, title loan, or personal loan

XXXX XXXX violated Section 1026.18 of Regulation Z when they provided me with an amortization schedule at origination that was not reflective of the actual terms of the loan. 

XXXX XXXX disclosed a regular amortization schedule ( attached ) while in actuality they apply payments to interest first. This is a misleading and deceptive act which violates UDAPP.
Product: Mortgage

I rec 'd an escrow analysis which indicated a shortfall of XXXX. The analysis stated my payment would increase apprx {$41.00} dollars a month. I opted to pay the shortage and keep my monthly payments the same. Payment was made on On XX/XX/year> and when I called to confirm that my payment. I was told I needed to pay an additional {$41.00}, The bank has been unable or unwilling to provide an credible and accurate analysis. I am fearful US bank will continue to use dirty tricks to get more money. 

Ironically, the shortage is not accurate. The bank told me I need to have a minimum of {$1700.00} in the escrow account. I would like detailed information regarding the account sent to me in WRITING because when speaking with the reps, answers have changed.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX 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  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: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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/XXXX
Product: Checking or savings account

On XX/XX/XXXX, I applied for and opened a Bank of America XXXX XXXX Banking Account. I used the promotional code XXXX when opening the account. It had been more than 6 months that I last owned a Bank of America checking account, so I qualified for the promotion. After I had met all the terms of the promotion, I did not receive the {$100.00} bonus that was supposed to be deposited into my account. I called Bank of America twice to inquire about this -- once on XX/XX/XXXX and on XX/XX/XXXX. In the XX/XX/XXXX call, the representative was very unhelpful. In the XX/XX/XXXX call, I was given a case number that I could use for tracking my escalation. I have not received the {$100.00} that was promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax This is a request to remove the following inquiry that were made without my expressed permission XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Disputed Information : Balance : {$2800.00} ( unverified ).

Account Status : Open ( requires validation ).

Account Type : Derogatory.

Remarks : " Account information disputed by consumer, meets FCRA requirements '' needs further investigation. 
XXXX XXXX : XXXX XXXX XXXX requires validation of transfer of debt ownership. 
Dispute Codes 103 : Claims inaccurate information account balance.

113 : Claims inaccurate information account status.

301 : Consumer states inaccurate information.

208 : Disputes other information. 
XXXX XXXX XXXX XXXX XXXX XXXX Consumer disputes ; investigation in progress. 
Reason for Dispute The information reported by XXXXXXXX XXXX XXXX XXXX is inaccurate or unverifiable, as outlined below : Balance of {$2800.00} : I dispute the balance and request validation, including : An itemized breakdown of the debt. 
Evidence supporting the total amount owed. 
Account Status and Type : The account is marked as " Open '' and " Derogatory, '' but no details have been provided to verify this status.

Original Creditor : The original creditor is listed as " XXXXXXXX XXXX XXXX '' I request : Proof of the transfer or assignment of the debt to XXXXXXXX XXXX XXXX  XXXX. 
The original signed contract establishing this debt. 
Remarks : The remark " Account information disputed by consumer, meets FCRA requirements '' needs further investigation and supporting documentation. 

Requested Actions Validate the debt and provide documentation, including : Original creditor agreement. 
Proof of debt ownership transfer to XXXXXXXX XXXX XXXXXXXX XXXX. 
Detailed payment history and itemized balance breakdown. 
If the debt can not be verified, remove this account from my credit report under the Fair Credit Reporting Act ( FCRA ). 

Correct any inaccuracies in the balance, account status, or remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : PORTFOLIO RECOVERY ASSOCIATES # XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

i pulled my credit report. I notice there are some account that was reported inaccurately to the the credit bureau. I took action by sending a dispute letter to the bureau agency regarding the error. i sent my first dispute letter on the on XX/XX/2021. I have waited for a over a month. they never respond to me. I sent them another letter ask them to remove the inaccurate information my report, again they don't respond. this is really frustrating. they have violated the FCRA. I want this account to be removed from my report completely
Product: Credit card

I have contacted capital one bank several times since I found out they were reporting XXXX default debts that were paid in a settlement agreement. in the agreement when I finished paying the agreed amount they would remove the items from my report. they have not removed them and I keep getting the run around and they keep trying to say it was third party agency however capital one is the XXXX reporting it and they are the ones I paid. they are using deceitful practice to collect money and then not holding up to what they say they will do. after several phone calls to capital one I received a letter saying I need to talk with a third party agency they pay to collect money and make their agreements. As I explained on every phone call capital one is reporting it and they are the ones I paid.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Barclays Bank and US Dept of Ed/XXXX. The Account Opened is Barclays Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00}. The Account Opened is US Dept of Ed/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Student loan

I paid off my loan before the autopayment, but they over drafted my account anyway. When I called to ask for my money back, they refused to give it to me for 20 days. When I complained and explained how unreasonable it was for them to hold {$1000.00} when I have other bills to pay is not acceptable. They still refused and lowered it to 10 days. Since then I have had multiple overdraft fees for other payments that couldn't be stopped. I can't get {$1000.00} into my account that quickly. They did not have an explanation for holding the money. Since I work during their business hours, it has been hard to step away to call them persistently. I find their practices unethical.