23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, XXXX my installment loan with XXXX was paid in full with a check from XXXX XXXX XXXX. The payoff was lower than the check amount in the neighborhood of {$1200.00}. After contacting XXXX on XXXX XXXX, XXXX to ask about the refund, the customer service department explained that it could take up to 10 days to receive the refund back to the checking account they had on file for the loan. He assured me that the refund would be in my account by XXXX XXXX, XXXX. I have not seen the refund to date ( XXXX/XXXX/XXXX ) and spoke to a supervisor at XXXX today. I have been told the refund will take up to 20 days, and that she can not confirm any future date of deposit. I then requested to speak with her supervisor and was told that they do not have a direct line or phone number I can call, but that I must wait to hear back from them via email. I now have no idea when I will receive my refund, and I am incurring late fees and late payment reports on the credit cards this money was earmarked to pay. 

XXXX is exercising control over my property which is in essence theft. They are also making interest on my money which is considered fraud. I think the only remedy would be to pay the money they owe me immediately along with interest and late fees just like they would demand from me if I refused to pay them.
Product: Credit reporting or other personal consumer reports

I just received my new credit report for XXXX and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

CARVANA LLC XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022
Product: Checking or savings account

I am unable to open a checking account with any bank as fraud and identity theft has occurred. I have never opened a bank account nor checkings with any bank in the past as Ive been out of the country. Nor has my address ever been XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Florida XXXX
Product: Debt collection

Experian failed to provide the method of verification that I requested for XX/XX/2021. Instead they only updated the file without showing any proof of proper investigation. The file from XXXX XXXX XXXX never showed proof or verified that they have a right to report on my file. Therefore by law this file should be deleted for negligence towards the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

XXXX did not fully investigate information in my credit report and failed to remove/update false information
Product: Credit reporting or other personal consumer reports

Try to validate the debt with a bill of sales or assignments contract and requested 1099c form XXXX
Product: Debt collection

I had a pay day loan and dispute over a matter of XXXX from XX/XX/XXXX. There is a company called National Credit Adjusters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX phone XXXX that call me multiple times a day demanding I pay them {$1600.00} they have on at least 4 occasions called my place of employment and gone through a switch board operator and left messages for me most recently on XX/XX/XXXX I have on 3 occasions contacted them and asked to please not call my work but they continue to do so. Approx 1 week ago I finally received some documentation on the original loan however the amount they are demanding exceeds the amount I borrowed.I did receive a notice several years ago where either this company or another attempted to file a small claim in XXXX XXXX Municipal Court which is in a county I do not live and the case was dismissed in that court.
Product: Credit card

I subscribed for XXXX applications namely XXXX XXXX XXXX  for my niece just to let her try it out during the grace period. I immediately cancelled it hours after the trial period expired and reported the problem to apple to issue me a refund on since I no longer needed to use the app and just forgot to cancel the subscription. Apple has declined my request to issue a refund for an app that I will not use and has charged me for a year long price of the subscription. Apple is luring customers into free trials then denying them refund if they forget to cancel. If the customer forgets to cancel the subscription and immediately reports the problem to apple, apple should be able to prorate and issue a refund.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. XXXX XXXX Account # XXXX and XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX XXXX  Account # XXXX and XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX, XXXX, XXXX XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding fraudulent activity on my credit card account. I recently contacted your customer service team to inform them that a charge on my account was not made by me, and that my identity had likely been compromised. Despite informing your team of this situation, I have not received any meaningful resolution or follow-up. 
I have explained multiple times that this charge was not made by me, and that someone must have used my identity without my consent. I requested a fraud investigation, but up to this point, I have not been provided with any updates or clear instructions on how this matter will be resolved. 

This situation is causing significant distress, as I am concerned about further unauthorized transactions on my account and the potential impact on my credit. I respectfully request that this matter be taken seriously and investigated immediately. Additionally, I would appreciate regular updates on the status of the investigation and the steps being taken to protect my identity and account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that dispute accounts and information is still reporting on my consumer report. Although the bureaus saying that they have their validation, mere saying that they validate it means those information are accurate. I need them to provide proof that these are all reporting accurately. This is my third time reaching out to your office to help me make the bureaus response on my requested debt validation and investigation result from the Equifax, XXXX and XXXX. It is unfortunate that I spending time sending dispute letters to them to clear inaccurate information accounts reporting on my consumer report. But until now they are not responding based on FCRA Law requirement. They are violating my rights and I know that you could help me to solve this problem. Hoping to hear good news from you soon. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EQUIFAX AND ADVISED THEM THAT I AM A VICTIM OF IDENTITY THEFT AND THE ACCOUNTS STILL APRARE ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IN PARTNERSHIP WITH XXXX XXXX HAS VIOLATED MY RIGHTS WITH NO VALIDATING THIS ACCOUNT ON MY CREDIT REPORT. I HAVE ASKED THIS TO BE DISPUTED AND INVESTIGATED. I ONLY GOT A LETTER FROM THE COMPANY THAT THIS ACCOUNT WAS NO LONGER WITH XXXX XXXX  AND FURNISHED WITH ANOTHER COMPANY. THIS SHOULD BE REMOVED IMMEDIATELY. IT HAS CAUSED DAMAGE TO MY CREDIT REPORT AND IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I was scammed by an individual named XXXX XXXX XXXX in NC as the netcredit loan was taken. This individual scamming me, also resulted in me blocked from XXXX XXXX, had me XXXX acted as she stole a check from me, and held many felony convictions. In the town of XXXX NC, her parole officer did not perform the required drug tests to allow her to skirt through probation. If anyone owes NetCredit, it is XXXX XXXX XXXX who scammed me. I am a victim of being scammed, and then taken advantage of by Netcredit, who wishes to charge me XXXX percent interest on top of it. I am just making the data complete, as Netcredit is allowed to report incomplete data to the credit bureaus. Incomplete data is not to be allowed on the credit reports, and NetCredit does not have the complete data to provide an accurate picture of me. I will no longer be scammed by individuals such as XXXX XXXX XXXX, or crooked lenders trying to skirt around Florida 's caps on lending to prevent predatorial lending.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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

Know action has been taking by XXXX, Equifax, XXXX on updated information, deleting inaccurate information and updated report.
Product: Checking or savings account

In XXXX of this year, potential new client attempted to pay me with a {$1500.00} check I deposited, Just to make sure, I did not cash this check but did not draw upon whatsoever. I simply waited the 10 days and when it came back no good believed I had dodged a bullet. 

However, Regions Bank saw it differently and my online access has been locked. My account has been frozen. I have been to multiple branches in person, attempting to get access to my accounts and still cant get access to my account. The account has direct deposit going into from time to time but I can not get anyone in that organization to release the hold.
Product: Debt collection

RE : Cease and Desist ARS ACCOUNT RESOLUTIONS currently has an account listed on my consumer report that is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in the appropriate court venue for damages related to fraduently trying to collect on a debt that I do not owe. I have never contracted with this company, and I am demanding verfiication of such alleged debt. Verification is defined as a formal declaration made in the presence of an authorized officer such as a notary public under oath but in the presense of such an officer whereby one swears to the truth of the statements in the document " XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. ) ''. I also demand proof that this corporation provides proof that I signed a contract with them. Since you will not be able to prove that I owe your company any money, I demand the following account be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follws : Acct : XXXX original creditor XXXX XXXX XXXX XXXX- within 30 days from receipt of this notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised Experian of a collection account from XXXX XXXX that it dose not belong to me. However, they still continue to report, with any supporting documents. It 's also been removed from XXXX XXXX XXXX, which is an Experian product, and it 's reinsert.
Product: Credit card or prepaid card

I ordered a tax software XXXX  that I tracked and " deivered " in a day. 
I waited a week and nothing arrived. There was a chat box on the supplier as I purchased it thru XXXX XXXX XXXX XXXX XXXX XXXX The chat box was the supplier " XXXX '' They said they can supply me software on a flash drive but not on a disk as advertised with plastic sleeve. This smells like a counterfeit copied software. I do not want it as " virus '' can be on flashdrive. Please credit me on this disputed purchase XX/XX/XXXX, XXXX for {$29.00}
Product: Credit reporting or other personal consumer reports

Good day! I am asking requesting for your assistance help regarding with this wrong information on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and delete the disputed items below. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have Accounts passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXXXXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX
Product: Mortgage

We went to our scheduled closing and on the way there found out we couldnt close. We were told the ratios werent in line. The mortgage company gave the go ahead to everyone involved, including the attorneys. Now we are being told the loan was never correctly processed or approved. We had days off from work, utilities transferred and people set up to help us move. Our landlord has new tenants coming in on XX/XX/XXXXand we have no where to go. The banker will not return phone calls or emails.
Product: Bank account or service

There was fraudulent activity on my HSA ( Health Savings Account ) card from XXXX XXXX till XXXX XXXX. This card was issued by Chase Bank and funded by payroll deductions and employer contributions. On XXXX/XXXX/XXXX I became aware of this activity after observing lower than expected remaining balance while making a payment for a health service. Since there is no monthly statement sent per the card issuer 's policy there was limited means of discovering this fraud earlier. The same day of discovering the fraud I informed Chase Bank of the same who recorded this information and mentioned that I 'll be contacted later. I was later asked to send dispute information in writing which I promptly did. 

In the meantime I also contacted the merchant from whom the charges were being sent to my account. I informed them of the fraudulent activity and discovered that there was a fraudulent email address that was on file with them to which they had been billing 4 times monthly since XXXX XXXX. They cancelled the fraudulent membership ( XXXX of them ) on my card and refunded charges for 3 months only. 
About a month later I received a call from a person with Chase bank who was assigned to investigate the dispute case. She arranged a 3 way conference call with merchant 's customer service department, who then explained the same information about the fraudulent email address being on-file with the merchant. They could not provide any other information. After that for several months I did not hear anything from Chase Bank about the dispute. I patiently waited since I was told that it can take several months to achieve final resolution. I called around XX/XX/XXXX and was informed via automated message that Chase was no longer servicing the account and can not help with any subject matter in that regard. I called again today on XXXX/XXXX/XXXX on a number found from the internet search instead of the number listed on my dispute paperwork and was able to reach a customer service person who informed that my claim was infact denied. In the denial information recorded in account notes, the 3-way conversation with the merchant and fraudulent email address being found on record with the merchant, was n't even mentioned. 

My complaint is that Chase Bank mishandled the dispute and incorrectly denied my claim and never informed me of that denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

California Account Services is reporting a debt on my credit that i do not owe.I recently checked my credit report and noticed this debt. I paid this account directly to the hospital and there was no balance remaining. This should have never gone to collection because it was never a collection. This is erroneous.
Product: Checking or savings account

Wells fargo put an anauthoruzed " stop payment '' on my HOA payment from XX/XX/XXXX. When I reached out to them to ask them why, they told me that because I put a stop payment on a XXXX XXXX  for the same amount in XXXX that they did this. They then said they sent me a notification, they did not, so then they changed the subject and asked why my XXXX didn't notify me sooner. I explained to them that a lack of payments to my XXXX could cause a foreclosure of my home and they still doubled down and said that my one time stop payment to XXXX XXXXXXXX years ago authorized this.
Product: Debt collection

After reviewing my latest credit report in detail, I found multiple accounts that I believe are inaccurate and were added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a letter from CITI stating that I had enrolled in Credit Protection ... which I NEVER ENROLL!! ... ..I never gave any one my concent to do so ... ..this is robbery on their part .... reference number ... XXXX
Product: Checking or savings account

On XX/XX/2022, I was charged {$2500.00} on XXXX XXXX On the XXXX XXXX it said I paid a person named XXXX XXXX XXXX. I do not know who this person is nor did I sent that payment. I immediately called my bank and I filed a claim. 2 months later my claim was denied. I also reached out to XXXX XXXX and they help me neither. I tried filing another claim with my bank and a couple weeks later they denied my claim once again.
Product: Debt collection

Focus Receivables continues to make multiple robocalls each week to our home number for a debt that doesn't exist.  We have no unpaid debts with any company.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX {$200.00} was deposited into my Chime account, I attempted to transfer the {$200.00} to my linked bank account, Chime wouldn't allow the transfer. On the morning of XX/XX/ Chime informed me via email that they'd closed my account. Upon. calling customer service regarding this matter I was informed that my account was closed because I was not in compliance and therefore was not eligible for a refund. Regardless of whether or not I was in compliance, which by the way, I had no idea I wasn't and no opportunity to correct, that is my money, I didn't buy anything from them nor owe them anything. They should give me my {$200.00}, they had no right to take/steal it.