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

Recently, I contacted your firm with a formal consumer complaint challenging reported claim ( s ) under theFCRA 611 ( a ) ( 7 ). Included as well in addition of that check for compliant reporting, I sent a formal written validation demand to the Creditor for the reporting. I received back a denial of process and an assertion that the records of the reported were in fact UNAVAILABLE, or so they claimed. No matter if you or a third party has collected this information, you must have an adequate record to legally substantiate the claim ( s ), if not it ( they ) is/are UNVERIFIEABLE, invalid, or not factually certified compliantly reported ( even to the mandatory Metro 2 format standards ) or ANY OTHER DEFICIENCY OF FACTUAL REPORTING and or process of reporting then said allegations are unfit and therefore CAN NOT be LEGALLY reported. Tort law is quite clear in this matter. You have NO MORE THAN 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. If you choose not to, I will have no choice but commence the unpleasantness of a Section1024.35 ( Notice of Error ) under Regulation X of the CFPB regulatory reform guidelines for Credit Reporting Agencies .
Product: Checking or savings account

Here were the terms : Get a {$200.00} bonus when you open a Platinum Money Market account, deposit at least {$10000.00} in new money and keep it for 90 days. 

-- -- I opened the account XX/XX/2019. 
It's been 99 days since I deposited {$10000.00} on XX/XX/2019. 

I had issues in the past with them not paying me the bonus for my other account and now it's happening again. I reached out multiple times over social media, secure message on the bank website and phone calls. I tried escalating the issue as well. 

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

I had an account with American Express in XXXX delinquent in XXXX the had it in my credit report for 6 years on the seventh year it was sold to a credit collection that I made agreement with and it was paid to the collectors. I disputed some additional fees that the collectors added that I was not notified of. American Express bought back the XXXX that they claim I still owed and put it back on my credit report for the pass 6 months ruining my credit but its shows that the account is closed, this is very unfair it is corporate bully Ive paid over the interest rate more than I owe this company.
Product: Debt collection

XX/XX/23 - submitted validation letter to IQ data international for a debt that is on my credit. After them sending me the information I investigated and found out this account is the result of fraud. I never opened an account with sure deposit and the contract they sent me is from an address I never lived at & there is no wet signature with my valid signature on that contract. I asked them to delete its been 45 days. I told them it was the result of fraud but its still on my credit report and damaging my credit. Please have them delete
Product: Credit reporting

The information shown on my Experian account is not correct, I have emails proving the information was supposed to be removed and/or corrected : XXXX - Revolving - XXXX - Individual XXXX XXXX - {$5300.00} Collection - {$0.00} -PAID LAST REPORTED DELINQUENCIES : XXXX CHARGE OFF LAST PAID : XXXX / It should of been removed months ago
Product: Credit reporting or other personal consumer reports

I am formally disputing the improper reinsertion of a XXXX XXXX XXXX account ( Account XXXX ) that was previously deleted from my credit report. On XX/XX/XXXX, TransUnion confirmed that the account had been removed following my dispute. However, when I reviewed my credit report on XX/XX/XXXX, I found that the account had been reinserted without the necessary written notification. This action violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681i ( a ) ( 5 ) ( B ), which requires written notice within XXXX business days of reinsertion, and 15 USC 1681i ( a ) ( 5 ) ( C ), which mandates substantiation with new and verifiable information. Since this account was previously removed due to being inaccurate or unverifiable, I question the legitimacy of any new evidence supporting its reinsertion. Additionally, this action fails to comply with 15 USC 1681e ( b ), which obligates consumer reporting agencies to ensure accurate and fair reporting practices. I request that this account be removed immediately, that you provide any evidence used to justify its reinsertion, and that you send me written confirmation of its deletion along with an updated copy of my credit report.
Product: Mortgage

I tried to refi my fha mortgage through nationstar three times. Each time they refuse to streamline my refi because my city loaned me {$50000.00} ( no interest deferred 10yrs ) under the redevelopment program. The city is now a lienholder and gives permission to subordinate every time I try to refi.
Product: Credit reporting

Experian keep reporting my XXXX XXXX XXXX account as : '' Paid, Closed. {$4000.00} written off. '' This information is incorrect and would like for them to correct this information. XXXX XXXX XXXX has written Experian and asked for this credit information be corrected. XXXX XXXX XXXX has not issued a XXXX from to be for the amount claimed to be " written off '' none of the balance was written off. I have payment records to indicate that the account was paid. we have been trying to get this information correct for 2 years. Experian refuses to investigate they just keep sending us the same credit report showing the information as updated. Nothing has been updated, Experian crazy and lazy when it come to making corrections. They have no reason to correct anyone 's report because they are not getting paid to correct anything. They make money when they sell bad reports. Experian could care less about consumer 's, they like to blow smoke and claim they care. Please force Experian to do the right thing whatever that is.
Product: Credit reporting, credit repair services, or other personal consumer reports

After many hours of studying the law and research of the protection consumer laws, I have sent several letters to  XXXX   XXXX  and Experian regarding fraud on my credit report related to an address in  XXXX , IN. Four  XXXX   XXXX  student loan unverified with no contract or proof, with a letter from the Office of  XXXX   XXXX . The account history is not accurate on the credit report, it has statements they say loans are 100 % paid in full and also states I have made 0 % of payments on time, the letter I have is in conflict with the reporting information. I also have  two  fraudulent bankruptcie s 1  on   XX/XX/XXXX   and the 2nd on   XX/XX/XXXX  . In addition the judgement on the credit report is n't correct and the alleged claim was supposed to be remove, they have not followed through on their agreement. I have not filed any bankruptcies and have given them proof of the fraud. This is an issue that has happened before and I came to th e Consumer Financial Bureau to  get assistance when these agencies are n't following the proper rules laid out by  Congress  in the FCRA and FDCPA.
Product: Credit card

On XX/XX/2024 I tried to make a purchase on a merchant website with my citi Costco credit card, I made the purchase on the website and my card got charged XXXX mins later I received an email saying my order could not be processed and it got cancelled, the email says I will receive my ful refund since they cancelled my order, however after waiting several days I never received my refund, so I reached out to my credit card provider Costco Anywhere Visa Card by Citi I requested them to file a dispute to see why I havent received my refund since the company cancelled my order & said my refund was issued. After sever days of the dispute being open Costco Anywhere Visa Card by Citi keep asking me for documents which I promptly keep providing that clearly shows the merchant is the one who canceled my order & never delivered anything to me. Yet Costco Anywhere Visa Card by Citi went ahead and close this dispute based on false documents provided by the merchant, the merchant told Costco Anywhere Visa Card by Citi that Im the one who requested to cancel the order & they dont accept cancellation which is completely false information. This cancellation was done by the merchant which all my evidence provided clearly shows that the merchant canceled my order and should provide me my full refund!
Product: Student loan

On Friday, XX/XX/XXXX, I contacted Edfinancial after receiving news about student loan refunds for any payments made after XX/XX/XXXX, during the payment pause. I went ahead and asked them to refund the amount paid, but was taken aback at the processing time of at least 6 months, possibly 7-8 months. Several of my friends that have different student loan providers are seeing processing times of 3-4 WEEKS, give or take a few weeks, but nowhere near as long as a minimum of 6 MONTHS. I was a Pell Grant recipient and am therefore eligible for up to $ XXXX in forgiveness. During the payment pause, I made $ XXXX in payments. 

It seems as though EdFinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, and XXXX  are only quoting 3-4 weeks for turnaround, and those that have these providers are already seeing their loans reinstated on their account. What worries me is that the application to apply for student loan forgiveness opens in XXXX and EdFinancial won't be processing any of these requests in time to receive forgiveness. I'm expecting my refund to be received AND processed by XX/XX/XXXX at the earliest, possibly further out until XXXX or XX/XX/XXXX - well beyond the loan forgiveness application deadline. EdFinancial stated that our loan balances won't be reinstated UNTIL the refund is processed, which in my case, won't be until XXXX, XXXX, or even XX/XX/XXXX. Interest rates and payments will resume again in XX/XX/XXXX, and if my balance isn't reinstated by then, I'll be stuck paying interest on loans previously paid off for several months. 

EdFinancial told me over the phone that they can not send out confirmation emails or anything and the only way I can verify if my request has been processed is by calling back in a month or so. I've heard from some friends and family that they called to request a refund, and when they called back to check on the status, the refunds haven't even been added to the system! I realize with the large call volume that requests will take a while, but it's very concerning to me that the minimum wait time is 6 months, when some providers are reinstating balances and issuing refunds within 6 WEEKS. I've also learned that EdFinancial is still processing over 2,000 requests made since XX/XX/XXXX, and I fear that I will not be getting my loan reinstated/refund back in time for forgiveness due to the seemingly very slow processing times with EdFinancial. Getting that money back would be life changing for me and millions of other Americans. So seeing how other loan providers are able to process payments within just several days/weeks makes me very concerned that EdFinancial does not have our best interests at heart.
Product: Debt collection

One of our accounts with portfolio recovery was already closed in our favor for fraud we sent in all the things and while we were doing that we found out there is another case that they have They said that we would have to contact the lawyers office that represents them and when I did, the lawyers office was rude and noncompliant XXXX XXXX XXXX im not sure when this went into effect its synchrony bank. I dont know the amount.
Product: Credit reporting or other personal consumer reports

I have been disputing with transunion for over a year now I have recently requested transunion to investigate accounts I believe that are inaccurate transunion has simply verified each account has accurate, I kept a copy and I will submit a copy to the cfpb, the very letter that I have submitted with various inaccurate accounts on them to be investigated. I am asking transunion to provide proof as to how they came up with each account being verified as accurate See documents in attachments below
Product: Checking or savings account

Chase Bank Debit Card XX/XX/2023 Unathorized Transaction involving my debit card and XXXX XXXX was done and i for {$2600.00} and then a follow up transaction of {$2400.00} as well on XX/XX/2023. I disputed the first transaction as soon as i saw it as i had no knowledge of and the {$2400.00} was pending as well during that time. The Rep told me they would dispute it together but he was very rude about the whole thing he issued me a new card. The dispute was closed in less then 12 hrs with no research or anything and the only transaction even on the dispute papers they sent was {$2600.00} and they denied it saying it looked good and was authorized. SO then i called and asked how it was possible to deny the claim in less then half a day and no one could explain it. Then i said its odd the other transaction wasnt listed on the claim even though the claim amount was for both. SO the rep then issued a claim for the {$2400.00} which has been in progress for a few days and I was issued a chargeback for literally the orignal claim the first rep didnt file correctly. So they approved the {$2400.00} as fraud which came after the Intial {$2600.00} they denied. Its uncalled for and the first rep didnt care and was beyond rude and I am just upset and want my {$2600.00} approved for chargeback and refund or however it is done since they approved the second charge as fraud when they were both connected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX, XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Amerassist AR Solution is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Product: Vehicle loan or lease

I have requested documentation. They told me they would have the executive office call me. Until that time, I do not have any documentation and specific dates. I apologize. I paid {$550.00} a month on a broken car I got from XXXX. I paid this amount for XXXX years. My balance never went down. Then, recently, my payment jumped from XXXX to XXXX. So they considered me as five months behind even though I was still paying the XXXX. According to my records, I was maybe one month behind. That's it. They repossess the car. Now they are trying to serve me papers. I am moving to avoid this. I'm a single mother and I already work XXXX jobs. I am not capable of being garnished for {$16000.00} nor is it fair. The loan was through Santander Consumer USA. A quick XXXX search if you're not already familiar with it will show you that they have lost to class action lawsuits, one involved 33 States including Tennessee, the state I live in. I guess this was a subprime auto loan? That was never disclosed to me. I never heard of such a thank you. They have been ordered to do long forgiveness two people who made their purchases during the year that I did, 2018. I contacted them as the lawsuit website directed me to and ask them to please check if I qualify for the loan forgiveness. I'm sure I do. This is very predatory lending. They told me that they don't think that I do and that the executive office would call me. I still have not received the phone call. I need help with this. Is there anything you can do to help me? Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Credit report and notice some things that don't belong to me. These accounts are stopping me from acquiring Personal Loans. The account listed below is not mine. I sent in multiple letters and haven't received any response. I do not understand why is this happening? Please do something about. Your attention to this matter will very much appreciated. 

XXXX/XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number :  XXXX XXXX XXXX Account Number : XXXX XXXX   XXXX Account Number : XXXX XXXX/XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

What happened : On XX/XX/XXXX, my special needs son attempted to download XXXX XXXX from XXXX XXXX despite being told not to. He made an unauthorized charge of {$3.00} through XXXX XXXX, which was linked to my XXXX account. 
I did not authorize this payment, nor did I approve my XXXX being linked to XXXX XXXX. The only payment method I had linked was my debit card, and I never consented to XXXX XXXX gaining access to my XXXX. Even more concerning, my XXXX account was locked, but XXXX XXXX somehow bypassed this lock and processed the transaction anyway. 

I reached out to XXXX XXXX 's customer service, where I was met with rude and dismissive responses from a representative named XXXX. He claimed that he escalated the issue to another team, but they still refused to help me and denied my refund request. Instead of offering a professional solution, XXXX continuously told me how sorry he was that I felt upset, which only added to my frustration. His behavior was disrespectful, and it felt like they were brushing off the issue because of the small amount of money involved. This is not the first time I've dealt with a XXXX XXXX representative who was rude and unhelpful. It seems they believe that because the charge is small, the average person will just sit back and accept it. This is unacceptable treatment, especially for unauthorized purchases. 

I have taken screenshots of the entire conversation as evidence of their poor customer service. To make matters worse, I have no idea how my XXXX was linked to XXXX XXXX, and I did not authorize the charge. 

I request a refund of the {$3.00} unauthorized charge, as well as {$200.00} in compensation for the distress caused by the rude behavior of XXXX XXXX 's customer service. I also ask for an explanation as to how my XXXX account was linked to XXXX XXXX without my permission. 

If this issue is not resolved promptly, I am strongly considering pursuing this matter through small claims court. 

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

I have a hard inquiry on my credit report dated XXXX from Equifax Mortgage Service that I would like to have removed due to fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX Balance XXXX {$16000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX Bankruptcy Court : Federal Reference # : XXXX Date XXXX : XX/XX/2016 -Today I contacted XXXX XXXX XXXX ALABAMA located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXX with the phone number ( XXXX ). They informed me that they do not supply information the third parties. How did you verify this public information?
Product: Credit reporting, credit repair services, or other personal consumer reports

Why are you reporting this account inaccurately? XXXX is reporting all good payments yet XXXX and XXXX is reporting just all charged off. Please remove this inaccurate report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXXXXXX 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. I demand the removal of these INQUIRIES : XXXX XXXX, XXXX & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand the removal of these ADDRESSES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I demand the removal of these NAMES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TransUnion : 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: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over.