23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : DEPTEDXXXX Account Number : XXXX -- Inquiries -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX :
Product: Mortgage

I applied for a refinance through New American Funding for me and my aunt to keep my home .the loan XXXX XXXX XXXX XXXX not even have my loan for more than two weeks or any of my additional income and she called me and denied my loan. I did not even submit any of my paperwork regarding my income. she also had my aunts income wrong. She just said you are denied. I can not send you any paperwork saying why. the amount you were approved for the interest rate. Youre approved for nothing. She said no paperwork will be coming your way. She said I will send you something in the mail. Just saying you were denied. I said I need all the information why credit score debt income ratio loan approval interest rate she said nope you are getting nothing later that week. I got a paper from them just showing how to obtain my credit report. I know for a fact that me and my aunt have enough income to keep this house. She did not give me any options to buy down points. Me and my aunt have money in the bank we could pay down the existing mortgage. She said no theres nothing I can do for you and I can not send you anything. It was mind blowing to me that she just disregarded us. She did not even let me submit my paperwork fully. She was missing about {$7000.00} of income that I had and she did not have my aunts income correct either. I did file with the corporate office on Tuesday the XXXX today is the XXXX. I have not heard back from them. I have called the offices that are local and all I get is a busy signal from both offices all day. Every day I have left numerous messages. I never heard back from anyone This company. Is absolutely unprofessional and unethical.
Product: Debt collection

Double charged me, I tried negotiating the payment. Refusal to put in writing that after payment the Debt will be deleted from my credit.
Product: Checking or savings account

I have contacted cash app on multiple occasions to dispute 3 XXXX XXXX transactions, XXXX posted onXX/XX/XXXXXXXX posted on XXXX, and XXXX posted onXX/XX/XXXX. Cash app/XXXX XXXX  has refused to process the disputes. claiming they didn't know what transactions I was talking about. I sent them the screenshots on their banking app of the transactions. They claimed it would take them 10 business days just to assign the disputes to another representative from their email team then an additional 45 days to investigate. Using their chat form I am given the run around with them using the same templates requesting the same information from me such as my email all with no response. They are refusing to acknowledge or process my dispute process and giving me the run around whilst I'm out of over XXXX dollars from a merchant I have been unable to resolve the matters with.
Product: Credit reporting or other personal consumer reports

synchrony bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  has taken several hard inquires out on all XXXX of my credit reports that were unauthorized. On top of that, they did not follow the fraud alerts on all XXXX of my credit reports and call me to verify it was me asking for credit. Any hard inquires that were taken out on my credit report from XXXXXXXX XXXX XXXX  to current date are fraud/identity theft. I have called you several times and I'm transferred XXXX times
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, Account name : XXXX XXXX XXXX XXXX : # XXXX,, Account Name XXXX XXXX XXXX  XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX : # XXXX, Account Name : 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 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 card or prepaid card

The Capital One credit card account was closed on XX/XX/2020. They owe a refund of {$1400.00}. I have written them and called, and they said the refund would be issued in two billing cycles. It has been 2 1/2 months.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX {$370.00}, Uplift Inc/XXXX  {$230.00} XXXX XXXX XXXX {$2400.00}, XXXX XXXX XXXX {$11000.00} and XXXX XXXX Services {$4000.00}.
Product: Checking or savings account

I have a Simple account, which is a partner with BBVA. They flagged my account with a false fraud hold regarding the Washington state unemployment scam because of a previous repayment i had made. Now, I have been without my paycheck that is being held within my account since the XXXX. My paycheck will be deposited tomorrow, still now word from BBVA, and Simple can not process the removal of my hold until BBVA removes it. I have bills due, and am accruing fees and will lose assets. I will be seeking litigation against them if this isn't resolved.
Product: Debt collection

DIVERSIFIED CONSULTANTS a XXXX, Florida-based collection agency erroneously reported an unpaid debt of {$270.00} for a XXXX/XXXX cable bill to the major credit agencies. For many   months, XXXX/XXXX simply refused to send me a final bill to allow me to pay. They ( XXXX/XXXX  ) then reported the debt to DIVERSIFIED CONSULTANTS without notifying me which is illegal in the state of California. Once I finally got a final bill -- which took many months -- I immediately paid it in full. DIVERSIFIED CONSULTANTS never attempted to contact me about this, they simply reported it to the credit agencies and damaged my credit -- which was otherwise perfect. I have now been rejected for a home mortgage based on this fraudulent claim. I have contacted XXXX/XXXX cable dozens of times in-person, by phone, and by email to demand that they contact their collection agency and rectify this ; but, so far, this has not resulted in the removal of the false claim from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove this account # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an unauthorized inquiry that appears on my Experian credit report. Specifically, XXXX XXXX XXXX XXXX made an inquiry on XX/XX/year>, which I did not authorize. 

I have already written on XX/XX/year> to Experian regarding this issue, but I have yet to receive a response or confirmation that the matter is being addressed.
Product: Debt collection

The robocall says it's from Harris and Harris Ltd and that it's a debt collection company. The recording asked me to call a XXXX number, XXXX. That is not the number the BBB has for this company. This is my second call from the same source. I have no outstanding debts with any company. I have never heard from them or any other company by mail about an outstanding debt. I have looked up the number and the alleged name of the company and have found that others receive the same type of calls. 

I have absolutely no intention of calling them but I would like whoever this is not to call me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I am reporting my credit card company CBINDIGO acct # XXXX for reporting incorrect payment history/ balance due on all 3 credit agencies. I have sent in dispute letters asking them to update the late payment they have reported during the pandemic/ financial hardship. I am under the credit card credit protection plan which stops them from reporting missed payment and they are not honoring there own policies. They are not following the consumer laws 15 USC 1666B which states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I will like this information updated on all 3 credit agencies as to this is stopping me for getting a mortgage and buying a home. they also reported a missed payment after being on autopay for a yr because they sent out a new card to replace my old card which I have not received so they froze my account not make any payments because I had not activated the new card. I had to call them for them to issue me out another card. please tell me how is this legal knowing that they are reporting incorrectly
Product: Money transfer, virtual currency, or money service

I have transferred money to Gemini. ( XXXXXXXX  ) They are holding my funds and are telling me that I can not withdraw them due to an account verification hold. I have submitted the appropriate documentation and followed up with numerous emails to achieve their verification. I have not been able to get any response. I have been waiting for 5 days for verification.
Product: Student loan

I attended XXXX University and had to get loans to cover the cost as I had to pay for school myself. The monthly payment now is going to be right at {$600.00} a month. I have spent two months calling XXXX XXXX ( now Navient ) telling them that I am willing to pay my loans back but I would need to get the payment lower because this is going to be a high expense. Also I have had employees of Navient state that my payment is very high. After repeated calling I just keep getting the same answer which is " your disposable income is too high for us to lower it '' but I am living at home because I do not want to be in a financial bind when I do move out. I just do not see how when they have someone who is willing to pay them, they will not even try to work with me on this. Also I co-signers but they are my grandparents and I have told the company that I am the only one who is going to make payments due to my main co-signer having XXXX.
Product: Student loan

When my loan was switched over to Navient i was never told that i had a deliquint balance because with XXXX i did not. When going to purchase a vehicle i discovered my credit score had been dropped from the XXXX into the XXXX. I have been faithful at paying my student loan. I was told that Navient was the company i had delinquency with. I contacted Navient to resolve this issue you and kept being told to just contact the credit bureaus and expalin the situation and maybe they could help me. I was so angry that i just hurried and paid the balance off and then after tried to dispute the delinquency with the credit bureaus. I have had so much trouble bringing my credit score back up.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal belongings were stolen from me some time ago when my vehicle was broken into. I never was aware of credit so upon checking my credit report recently and trying to get things in order I noticed some accounts were opened without my consent or knowledge. I tried contacting the companies on different occasions I can recall the dates with several failed attempts to remove this information from my credit report. I submitted a FTC report on XX/XX/XXXX and I sent it to XXXX, Transunion and XXXX on XX/XX/XXXX, they received it on XX/XX/XXXX and they have not removed these accounts from my credit report even though the according to the FCRA they're suppose to remove them in 4 Business days. There are 3 accounts XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$10000.00}, XXXX $ XXXX. Included are the FTC report, my dispute letter and proof from the post office and fax document number that I sent these letters and the CRA 'S received them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to solve this issue with Equifax and the creditors. They all told me that I authorized these inquires when I did not sign anything or authorized them to pull my credit. 

XXXX XXXX, DOD Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX GXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit card or prepaid card

On Saturday XX/XX/2020 we attended a XXXX XXXX Update at XXXX XXXX XXXX XXXX. XXXX XXXX SC. Shortly thereafter I receive 2 Vacation Club Credit Account Statements in the mail from Comenity Bank. I did not sign any paper work requesting these accounts. I never received an actual card but the mail that came to me had the entire credit card number printed on it, along with the credit limit. This came in the regular mail. If it had gotten into the wrong hands, they would have all of my information. 

Since I did not ask for this card, I do not understand why they opened an account. it had to have been done through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive already sent a dispute to both Transunion and XXXX on XXXX. Neither has done a proper investigation into my claim. Both have returned verified with out contacting the debt collection agency. It is my right to have 100 % accurate information on my report and both have failed to investigate my claims. Ive already filed a complaint and nothing has been resolved. I requested verification form XXXX XXXX and was provided an expired 13 month lease as validation. As I know the burden of proof is on the debt collector for them to investigate line item by line item to make sure that all information is valid. they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I didn't authorized and unaware of. 

XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
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 recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investing my claims adequately. They informed me that recovering lost funds was impossible ask that 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 or other personal consumer reports

CFPB, I'm not happy with TransUnion I've called them and disputed this address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I've never lived at that address and I've uploaded my address to there upload tool and they are refusing to remove that address that doesn't belong to me. I will upload my lease agreement so that you can see.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX, Experian moved my positive status of my student loans with XXXX XXXX XXXX and XXXX, placing 10 loans from each educational holder under my bankruptcy. Experian also reported all these loans as negative. I made three disputes online without them correcting the issue. I made contact with a direct agent on XXXX, who agreed that this was a mistake. The agent completed a dispute herself as I spoke with her on the phone. She apologized, stating she did not know why this occurred. All of my loans are in Income based repayment and have not been late with either. However, Experian has them listed under the individual loan holder and not the two companies that carry all of them together. I have mailed in proof as well without this being corrected. My bankruptcy has been finalized since XX/XX/2019 and at no time education was part of it. Experian had made this mistake and is furthering damaging my score monthly with their mistake in reporting. 
There is also a XXXX XXXX XXXX account in collections listed that was part of the bankruptcy. I have completed three disputes for this as well as sent the documentation to XXXX XXXX XXXX  and Experian. Experian is the only credit bureau I am having issues with in false reporting. Due to their mistakes, my home buying purchase has been halted. This is unfair because I have had no negative things on my report since bankruptcy. I have worked very hard to keep my credit in good standing and to have an agency not correct their error after all these attempts is frustrating. Please help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX has violated my rights. 15 u.s.c 1681 section 602A. States I have the rights to privacy. 15u.s.c 1681 604A. 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

Barclays Bank continues to submit inaccurate derogatory ratings to the 3 credit bureaus. They are stating that I am 30 days past due in XXXX. That information is inaccurate. I paid the monthly amount month over month until I paid the account in full in XX/XX/2023. I made good faith payments every month. Also, they were unwilling to work on other matters as well. I put in disputes with all the credit bureaus and as soon as its fixed, Barclays sends out another inaccurate rating and balance due again and my scores go back down. The account is closed. They need to stop sending credit updates ; its paid in full and its closed. I want them to stop doing this to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me a letter saying they will be deleting the account off my report. TransUnion still have them on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 5 U.S.C. 1681 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.