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

15 U.S. Code 1681c1 states in part the following : ( b ) Extended alerts ( 1 ) In general Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who submits an identity theft report to a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer, if the agency has received appropriate proof of the identity of the requester, the agency shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, during the 7-year period beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period and the agency has received appropriate proof of the identity of the requester for such purpose ; ( B ) during the 5-year period beginning on the date of such request, exclude the consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the consumer or such representative requests that such exclusion be rescinded before the end of such period ; and ( C ) refer the information regarding the extended fraud alert under this paragraph to each of the other consumer reporting agencies described in section 1681a ( p ) of this title, in accordance with procedures developed under section 1681s ( f ) of this title.

( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request 2 free copies of the file of the consumer pursuant to section 1681j ( d ) of this title during the 12-month period beginning on the date on which the fraud alert was included in the file ; and ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX formal report of identity theft that included victim affidavit, police report, and adequate proof of identity, SSN, and address were submitted to Equifax with written request to provide an extended fraud alert and provide an updated copy of consumer disclosure report. Equifax has failed to response to these request. They have processed the disputed items by confirming those were not appearing on the report, but failed entirely to respond to the request for the extended alert or provide a copy of the credit file. In not responding to both of these requests Equifax is in willful violation of 15 U.S. Code 1681c1 and should be held to account.
Product: Credit card or prepaid card

at XX/XX/XXXX, i bought a prepaid credit card in the cashier, i could not use the car because the car was created such as an gift car, i wanned the card to pay my car insurease, the next day XX/XX/XXXX i call the netspend company to explain my problem, i made a complain and they said ( netspend ) they will send my money in 10 days not more of 15, today its XX/XX/XXXX, and i did not recieved my money. also i call many time and they do not have any answer. today XX/XX/XXXX i called and they handout my call.
Product: Money transfer, virtual currency, or money service

Send the money on XX/XX/2023. Received updates after two days via Remitly app and email that the amount has been deposited in recipients account successfully. Received a call from recipients on XXXX of XX/XX/2023 that the money has not been received. I have contacted the REMITLY costumer Service various times but they are making excuses that we are investigating the matter, you will received your money soon. Also they requested for recipients bank statements from XXXX XX/XX/2023 to XXXX of XX/XX/2023 which was sent to them but no fruitful results. After passing of 26 days they have not succeeded to deposit the amount in the recipients account because of which my kids education if effecting badly and me and my wife are very depressed because of our kids education because the recipient teachs our kids online.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, several accounts and inquiries listed below were opened or made without my authorization. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the accounts and inquiries listed be blocked and deleted from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

CREDCO, XXXX XXXX, CA XXXX ( XXXX ) XXXX. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Credco made inquiries on my credit report and my wife 's credit report without our knowledge or consent on the above dates. They did have our consent for an inquiry on XX/XX/XXXX but that was the only time. Myself and my wife did not give them permission to make an inquiry on our credit reports after XX/XX/XXXX which was for a loan for a travel trailer from XXXX XXXX in XXXX XXXX. These unauthorized inquiries have hurt our credit scores. Inquiries from XX/XX/XXXX and XX/XX/XXXX show telephone number ( XXXX ) XXXX. Inquiries from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX have telephone number of ( XXXX ) XXXX. Please help in any way you can to get these inquiries off of our credit reports as soon as possible.
Product: Credit reporting or other personal consumer reports

I applied for a position with XXXX in XXXX, XXXX. XXXX used First Advantage Background services for my background report. The background report score said that I failed due to being on the XXXX XXXX  registry. I am NOT a XXXX XXXX. I only have one XXXX  on my background which is XXXX XXXX  which makes me a XXXX XXXX, not a XXXX XXXX. Upon my release in XXXX  I had to register on the XXXX and XXXX XXXX registry in my jurisdiction. But because of this when employers run my background I am included in the XXXX XXXX XXXX XXXX. When you click on my name it redirects you to the local registry where i'm registered only as a XXXX XXXX. My case which I have served my sentence for was not of ANY kind of XXXX nature. I am willing to be registered as a XXXX XXXX because of my case, but not as a XXXX XXXX. And when I received the notice back from XXXX, all it stated was that I was a registered XXXX XXXX  which is false and misleading. I'm not sure if I would be denied a job due to being a XXXX XXXX, but I definitely don't want to be denied as a XXXX XXXX. I reached out to my local jurisdiction ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. ) and all they said is that they have me listed under a XXXX XXXXr and to have the employer contact them for any further questions and clarifications. By that time, I will have already been denied employment due to the misleading information provided by the XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am owed {$1000.00} for each erroneous entry on my credit file.
Product: Credit reporting or other personal consumer reports

Equifax continues to violate the FCRA requirements and my consumer right I asked for this XXXXXX/XX/XXXX account to be removed for reporting inaccurate information. 

Equifax reports that last payment received was both XX/XX/year> and XX/XX/year>. 
Although they report pay as agreed in XXXX and XXXX of 2019. 

I asked that this account be removed for inaccurate and incomplete data but instead updated historical account information. XXXX through XXXX of XX/XX/XXXX No Data, then a payment in XX/XX/year>, then again No Data in XXXX and XX/XX/year>. 

Report first delinquency as XX/XX/year> Please remove this account from my credit report immediately
Product: Mortgage

Dovenmuehle mortgage has not refunded an overpayment we made in XX/XX/XXXX. 

The confusion began when Dovenmuehle put us into a COVID forbearance without our consent. After numerous attempts to get our extra {$2000.00} XX/XX/XXXX payment back, I am still without that overpayment. We refinanced away from Dovenmuehle in XX/XX/XXXX and this {$2000.00} was never accounted for in our closing and remains outstanding. 

I have proof of payments made to Dovenmuehle from my bank ( s ) AND the Dovenmuehle website : XX/XX/XXXX {$2000.00} XXXX mortgage pmt from XXXX XXXX XXXX XX/XX/XXXX {$2000.00} extra payment made by mistake from XXXX XXXX XXXX XX/XX/XXXX Stop payment on XX/XX/XXXX executes for XXXX XXXX XXXX XX/XX/XXXX no check was ever received by us so that line doesnt count for anything XX/XX/XXXX Another {$2000.00} XXXX payment made to Dovenmuehle from my XXXX XXXX account to avoid threats of bad credit reporting from Dovenmuehle So we made 3 payments of {$2000.00} in XXXX and Dovenmuehle claimed we were late with our XXXX payment and threaten to tarnish my credit. There is no evidence showing where Dovenmuehle has returned any of these funds only the stop payment prevented the XX/XX/XXXX payment from going through. The XX/XX/XXXX check is a phantom - Dovenmuehle has failed to produce any evidence of this check being created, sent, or cashed. 

Ive had to spend a total of 5 hours on the phone with Dovenmuehle agents and supervisors and have gathered this proof just to document Dovenmuehle 's error. 

We are paid our mortgage diligently and any late fees need to be refunded as well. Any negative credit reporting must also be removed.
Product: Mortgage

I have tried to make mortgage payments online in the past, but the online portal periodically does not work. When I called the mortgage company on XX/XX/2023, I was told my account was behind, they could only take two payments, so two payments were scheduled for draft on XX/XX/XXXX. They did not occur. On Monday XX/XX/XXXX, a week after the XXXX, I called the mortgage company to inquire on why the payment had not gone through. I was told that they were unable to ( for unknown reasons ) and that I needed to wire {$10000.00} via a XXXX XXXX to a trust fund before XXXX that day. I explained that I wanted to pay ALL money owed immediately, right now. They said my account was now in foreclosure and that I had to go to a XXXX XXXX and make a wire payment before XXXX. When l asked for a letter, email, or other form of written instruction, I was told they could NOT provide any as per policy. I was to call from the XXXX XXXX and receive VERBAL INSTRUCTION ONLY. 

Please assist.
Product: Checking or savings account

Made a purchase on XXXX XX/XX/22 through a third party for {$790.00}. Item arrived defective. Merchant was extremely reluctant to resolve. They offered a {$50.00} refund for me to replace the throttle. 

Mechanic confirmed the electrical wiring was backwards on product. 

Merchant refused to send mailing label until I disputed the transaction with the bank, now they refuse to send a proper box Bank reversed the dispute without my knowledge over a month later. Called USAA twice and the dispute was reopened and closed on XX/XX/22 ; allowing no time to provide the requested documents. 
CSR XXXX apprised me she reopens it and to upload the requested XXXX, after being disconnected by 3 CSRs prior.

Requested a supervisor and was consistently denied, in all departments; limiting customers to representatives only with little to no XXXX and providing inaccurate intel. 

They lack compassion and any care for their veterans and our disputes. 

This dispute is being purposely prolonged. 

USAA correspondence regarding disputes is not simply designed for customers. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 3 letters to all three credit bureaus demanding they remove several incorrect inquiry 's as well as 2 late payments that did not occur. I know I have a right to see the written documentation they used to verify the inquiry and supposed late payments. They have not provided this in the last 3 letters I've written. 

I have no other choice but to take legal action against them as it has caused me real financial harm and distress. 

I would like to file this complaint and see that the maximal penalty handed to these companies for their failure to comply with the FCRA.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my latest credit report, I have noticed several credit inquiries from XXXX and XXXX of 2020 which were never authorized by me and I have never applied for these accounts.
Product: Debt collection

XXXX XXXX XXXX reports XXXX XXXX debt of {$5300.00} was opened XX/XX/XXXX and put reported on XXXX, which is closed acct # XXXX They also reported the same debt amount on XXXX , which is open acct # XXXX, but says it was opened on XX/XX/XXXX. I never opened an account with XXXX XXXX in XXXX. I opened an account with XXXX XXXX XXXX in XXXX, and a Case XXXX was filed XX/XX/XXXX. Garnishments were paid to the creditor XXXX directly via Municipal Civil Court. The amount was for {$6900.00}. I know that I was contacted at work many times with aggressive and mean representatives from XXXX, after I asked them not to call me again and to send correspondence in writing, and told them that I never got a car from XXXX XXXX in XXXX. I also know that the company is very fraudulent. I have disputed to get this false debt taken off my report many times, but was not successful. I have screen prints showing the court information. I have also contacted XXXX XXXX at XXXX, and she has been the only person that I have reached out to in regards to my accurate XXXX debt, and there are no other records of me ever purchasing another vehicle in XXXX from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open this account and disputed with credit bureau. The investigation determined that the account was verified. I took the steps to contact the company and could not speak with anyone who could explain why it was verified. They could not access my account, nor could they verify my account. I asked to speak with a supervisor, but without verifiable information ( which I could not provide, as it was not my account ), no one could assist me. I do not understand how no one could verify my account, yet they could return a result that verified a debt associated with my name/social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on behalf of myself and not a third party. I XXXX XXXX XXXX am a vicitim of identity theft and I have submitted the documents as request to have these fraudulent accounts blocked and deleted according to the information I read when I filed a report on the Federal Trade Commission site. I read that once I have made the consumer reporting agencies aware of these fraud accounts they would be blocked and deleted within 4 business days well it has been more than 40days and they are still reporting these fraudelent accounts. I an a XXXX XXXX XXXX and I suffer from XXXX and I don't need nor can I handle anymore XXXX XXXX and this is causing way too much for no reason. If people would just do their jobs and follow the Federal Law I would not be submitting yet another compliant. Is not my fault that my information was exposed in the XXXX and XXXX data breach. I did as they asked me too and now I'm the one who has to suffer, how is that fair to me? If this is not taken care of I will seek legal action because truthful speaking these consumer reporting agencies are in violation of all kinds of laws but I will save that for a later time. For now I need these fraudulent accounts deleted immediately
Product: Credit card

Around XX/XX/year>, myself along with XXXX other people who also banked with Wellsfargo gave a XXXX deposit to XXXX XXXX XXXX XXXX for a group trip to XXXX. In the contract it stated that deposits were non-refundable not non transferable nowhere in the contract. Due to non foreseen circumstances I was unable to go on the trip and contacted the travel representative to see if I could use the deposit towards another trip with the same travel agency. I re-read the contract and nowhere in the contract did it state that deposits were non transferable. The representative 's supervisor wrote back in an email stating that as per the terms and conditions the deposit is non refundable and non transferable. The contract never stated non transferable anywhere, only non refundable which made the contract void and null. I contacted Wellsfargo and and filed a dispute to get my deposit back, and so did the other XXXX people who were going on the trip. They all got their money back permanently due to the contract not stating that the deposit was non transferable, and they all banked with Wellsfargo. Provisionally Wellsfargo returned the XXXX deposit, and then a few weeks later took it back stating that services were rendered in which they were not. The deposit was given early XXXX and the trip got cancelled in XXXX, the trip was scheduled for XX/XX/year> in which more than enough due notice was given. I provided them with the proof and they still refused to return my money, when I called they were rude, unprofessional, and belligerent. Yet, the XXXX other people who banked with Wellsfargo was able to get their money returned based on the same evidence I provided. Wellsfargo has a reputation of being unethical and discriminatory, and I am requesting a resolution to this issue as it is unfair and makes no sense. I have contacted Wellsfargo numerous times and it's still the unprofessional belligerent responses. I am hoping that this will get the matter resolved. I provided ample evidence proving that non transferable was never in the contract and that the representative emailed the part about deposits being non refundable and non transferable making the contract null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I applied for a Capital One XXXX card to receive a {$150.00} signup bonus and start earning points. After looking into the account they pulled my information as a hard pull so I requested to have the account canceled over the phone and inquired about removing the hard inquiry since the bonus was, not linked either. The representative from XXXX insisted he could not help, but was sorry. While reading his script, I paid down my balance and then he said we ( capital One ) can not take care of this which led him to give me information to sum it up with XXXX. After calling XXXX, they insisted that XXXX XXXX would have to write a request to XXXX on behalf of the incident. I already have a secured account with capital one as well as a 3 year relationship. In hindsight, I recently applied for a XXXX XXXX XXXX  account and received no hard pull as well as a higher credit limit! Lastly, After relaying over the phone for 1.5 hours with capital one the gentlemen either hung up or the call was disrupted which led to me calling again for another 30 minutes with no real results. After receiving information to speak to XXXX I still had Capital One one pointing the finger saying we can not help you and I was left with a new credit card to which I canceled, a hard pull on my credit score, and a lowered score.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$54000.00} XXXX XXXX XXXXXXXX - XX/XX/year> - {$49000.00}
Product: Debt collection

I was contacted by PAYACEI regarding a debt to the UNiversity of XXXX XXXX XXXX. The bill was for {$360.00}. At the time Univ of XXXX sent the debt to this collection agency, I had been paying ( {$150.00} ) and was nearly halfway done paying it. After being contacted by PAYACEI, I paid them the remaining {$210.00} I will owed and wrote " paid in full '' on the check, which was subsequently cashed. To my dismay, ACEI contacted me AGAIN about the now paid in full debt. I asked them to cease and desist and provided proof of all payments in a certified letter. They then contacted me again despite my request that they cease and desist. I refuse to pay MORE than what I originally owed. On XX/XX/XXXX, PAYACEI put 4 different negative collection accounts on my XXXX report -- ALL of which are untrue.. Again, this account was paid in full as of XX/XX/2019 when they cashed the final check for {$210.00}.
Product: Credit card or prepaid card

I received an email to set up an account for my existing card with the company synchrony bank and it led me into filling out what I thought was registration form, but actually ended up being a second application for an additional credit card. I was approved {$2000.00} and was very confused because I was trying to register. This was misleading and now I have a hard inquiry and an additional card I do not need or plan to use.