23daVinci/CFPB_Complaints huggingface dataset:
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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

American Express have placed an hard inquiry on my credit report dated XX/XX/23, which I have not applied or given any written consent to this company, to do so.
Product: Checking or savings account

I opened a checking account in Bank of America around XX/XX/2021, using this account to receive services fee from my clients. I am self-employed account, providing tax and account service to our XXXX clients. The account balance is about {$3900.00} when the bank decided to close my account without any reasonable reason. I can't decide which account my clients use to pay me the money, but the bank said I receive money from unemployment benefit card. So I can let my clients to prove this thing, I just received the money from the work I did. I did not do anything fraud or wrong. 

the bank said they will send this decision to XXXX XXXX , XXXX and XXXX XXXX XXXX , XXXX. So it may affect my credit. I totally can't accept this decision. It's unfair to me. 

We family just bought a house right now, we are in closing time to apply for a mortgage loan. I don't wan na this decision will affect our to get the loan. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three inquiries on my Equifax Consumer Report that I did not authorize to be there. I did not giver Permissible Purpose! The Inquiries are listed below : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX
Product: Debt collection

I found in my credit report a Collections : NATIONAL CREDIT AUDIT CO with this Account # XXXX and I don't recognize this company. I already try to find out and I wrote them, I attached here the proof. I send a Debt Validation letter in XXXX and I haven't received an answer yet.
Product: Payday loan, title loan, or personal loan

I am a victim of identity theft. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that your company absolve me of all charges on accoun # XXXX and that you take all appropriate steps to remove information about this account from my credit files immediately. Your company has been notified on numerous occasions that the above referenced account is a result of Identity Theft as well your company has received multiple FTC Identity Theft reports referencing acct # XXXX.The Notices your company received also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

If your company, BEST EGG, fails to comply with federal regulations you will be required to appear in a court venue local to me, in order to formally defend yourself. I have already filed a complaint with the Consumer Finance Protection Bureau ( XXXX and the Attorney Generals office ( XXXX ). 
Failure to respond satisfactorily regarding this matter will force me to move forward with legal action against your company to the full extent of the law and I will sue for the maximum amount allowed in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Theft/Fraud 3. ) Violation of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

Delete all these hard inquiries that appear in my credit report and I don't recognize : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Debt collection

This is the second fraudulent notice I've received from a company regarding an alleged outstanding amount due on an old XXXX internet account. 

When the first debt collection agency sent me debt notices ( a year ago ) I called and spoke to them, explaining that the account balance on that ( closed ) XXXX account was ( and still is ) {$0.00} and that there was nothing to collect. They did not contact me again. 

Now this is a new company claiming the same amount on the same XXXX account ( the balance due on which is still {$0.00} ), and rather than go through all this again in another year 's time I would like this to simply stop. 

Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Corporation continues to report inaccurate information on all three of my credit reports XXXX - last payment date XX/XX/XXXX - XXXX, and XXXX - XXXX - 149 days past due XXXX - last payment date XX/XX/XXXX - XXXX, and XXXX - 120 days past due XXXX - last payment date XX/XX/XXXX - no reported delinquency days - past due 180 days
Product: Mortgage

It has been almost XXXX months since we first asked SLS to initiate the process to have our existing prepaid PMI policy cancelled and proportionally refunded due to substantial energy efficiency improvements to the property. However, SLS has stalled at every step of the way even after us having to file XXXX other CFPB complaints ( number XXXX, and number XXXX ). They claim to have ordered a XXXX on XX/XX/2022 but it is now almost XXXX weeks later and they wrote back to us today saying the XXXX has not been fulfilled and did not provide any updates. Every month that SLS delays this process we are incurring unnecessary economic losses since the proportionate refund is reduced for every month that the policy is not cancelled. 

We separately upgraded the range; added a water softener; renovated the bathrooms by adding new faucets, towel holders, and toilets; painted the living room, bathroom, and kitchen with cleaner and more modern paints; replaced all ceiling fans ; and added smart switches. 

SLS first tried to gaslight us by saying we had no right to a proportionate refund, then promised to allow us to initiate the process to have PMI removed based on the updated value to the eighty-percent threshold and the significant improvements, including energy efficiency improvements. Now they are just sitting around with no progress being made even though they closed our previous CFPB complaint claiming they had rectified the issue.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 3 fraudulent accounts on my credit report that is not my doing im a victim of identity theft i have never made purchases from these said companies that are reporting to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Accoun # 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
Product: Credit card or prepaid card

On XX/XX/XXXX, I started a dispute at Discover it on one of my online purchase at XXXX, which should be valid but Discover denied. 

I made an online order of three items on XX/XX/XXXX and applied a coupon " XXXX ''. Using the coupon, I was able to get {$25.00} off my order, so that the total was {$13.00}, instead of an original {$38.00}. But after a few days, I was surprised that the transaction on my credit card statement turned from {$13.00} to a final charge of {$38.00}. 
I reached out to XXXX so many times via phone calls and emails but they never respond, and the line are always too busy to be picked up by any agents. So I have to dispute the charge at Discover and provided a copy of my order confirmation email as proof. 

Discover gave me a final decision on XX/XX/XXXX, saying that according to the merchant, the transaction was valid. 
But the problem is that the order confirmation where I agreed to pay at XXXX website, as well as what I first received in my email, is different from what the final order looks like, since XXXX changed it after I clicked " submit the order '' and overcharged me. 

Discover is not protecting the purchase of their credit card holder, as anyone can end up paying much higher than they agreed to, even if they noticed it and submitted a dispute, because Discover 's solution to dispute does not seem fair.
Product: Credit reporting or other personal consumer reports

In response to Equifaxs response to Cfpb complaint # XXXX I am writing to dispute the accuracy of the information provided in your response to my complaint, which was submitted through the CFPB Complaint Portal. According to the provisions outlined in 15 USC 6801 and the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the accuracy and integrity of my credit file. 

In your response, you have requested that I submit a copy of my social security card, driver 's license, or an official document to update my name. However, I would like to clarify that my current name is accurately reported on my Equifax credit file, and no updates or modifications are necessary in this regard. 

Furthermore, you have mentioned that Equifax, CSC Credit Services, XXXX, XXXX, XXXX, XXXX, and XXXX inquiries are not provided to prospective credit inquiries and are factual records of companies accessing my credit file. While I understand the purpose of inquiries, I would like to emphasize that any unauthorized inquiries should be promptly removed from my credit file, as mandated by the FCRA. 

Regarding the trade lines mentioned in your response, specifically XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , and XXXX, I dispute the accuracy of the reported information. It is my understanding that the FCRA requires accurate and up-to-date reporting of account balances, payment history, and other relevant details. I request that you conduct a thorough investigation into these trade lines and provide me with the supporting documentation from the original sources to verify the accuracy of the reported information. 

Additionally, you have stated that certain disputed items, including XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, are not currently reporting on my Equifax credit file. However, I have reason to believe that these items should be present on my credit file, and their absence raises concerns about the completeness and accuracy of my credit report. 

Furthermore, your response regarding inquiries fails to address my concerns adequately. While I understand the purpose of inquiries and their retention periods as outlined in the FCRA, it is essential to ensure that all inquiries on my credit file are authorized and legitimate. I request that you provide me with a detailed list of all inquiries on my credit file, including the names of the companies that accessed my credit information, as well as their contact information.
Product: Prepaid card

I was given an American Express XXXX card. After reading the terms and conditions for use of the card at https XXXX XXXX, I declined to be bound by them. According to the terms, " By using the XXXX XXXX XXXX, you agree to be bound by these Terms and Conditions in their entirety. Should you wish not to be bound by these Terms and Conditions in their entirety you must, prior to using the XXXX XXXX XXXX, request and obtain a refund of the value of the XXXX XXXX XXXX by calling XXXX. '' I called the provider, and they refused to refund the amount of the card. They further told me that the refund ( that they refused to issue ) would go to the purchaser, not to me, which conflicts with, " The terms you and your refer to the person who receives or uses the XXXX XXXX XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I overpaid when paying off my Home Equity Line of Credit. Regions Bank held my money for 2.5 months and when I paid my personal line of credit payment they applied that payment to my Home Equity line that had negative balance and then they report me as past due on my personal line of credit and then send me back a check for {$770.00} for overpayment. They admitted that it was their fault but no one will fix it I have spent 1.5 hours in the branch and they told me that they fixed it and it has reduced my credit score from XXXX to XXXX. The told me since the branch didnt fix it that they will not accept my dispute and will show that it is past due. No one from Regions Bank will fix it. If they were fined about {$100000.00} or more maybe they would do their job. Do I need to hire an attorney to sue them or can you fine or penalize them for their unethical and illegal activities.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ). XXXX XXXX XXXX {$1000.00}, XXXX XXXX Bal. {$220.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$910.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$1000.00}
Product: Checking or savings account

Charged overdraft fee on XXXX XXXX, but looking at order of transactions posting on my screen it made no sense. Called help center, they gave me a different order of transactions than what is on my end. Still made no sense. Agent says, " Oh, you 're looking at your screen right now? Let me switch my screens. '' Then the agents stops talking about " order of postings '' and switches to " lets do the math '' because you were overdrawn by XXXX cents. 
( I wont even go into how repugnant it is for a company to charge XXXX overdraft fee on {$0.00}, especially when you have three different direct deposits going in to that account, 1 weekly and 2 monthly. ) I interrupt, I say, " Ma'am, I know the math, but you assess you fees in order of posting and that is what I would like to address. I get overdraft fees and do n't call because I can easily see the order of postings. I am not letting this one go. '' She responds that she is not waiving the fee. So say, well there is really no reason to keep speaking with you. I ask for someone with the authority to do so, she said no one at the contact center would. I ask for a number or email of someone above her and she says I will have to go to my Branch. Which really makes me annoyed since whenever I go to a branch the always say to call. 
If I ca n't trust what my screen is telling me is the order of posting, if when fees are assessed the bank gets to talk about " batch posting '' and every time you call they say their own version of postings, when you click on a prior day 's postings they all say XXXX, how is the consumer supposed to trust the fair application of these fees? 
If a fee is assessed in error they still refer to it as waiving a fee, like they are doing you a favor. Courtesy waivers and rectifying an error are two different things. They should be treated differently.
Product: Money transfer, virtual currency, or money service

I have been trying to sell my XXXX from my Coinbase account since XXXX/XXXX/XXXX and it is now XXXX/XXXX/XXXX. I have uploaded the requested identity documents ( front and back of Drivers License ) multiple times. They have an automated response saying verification has failed due to a heavy load. The value of XXXX is dropping and it is proving to be illiquid with Coinbase. It seems like they are stalling because they cant complete the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written numerous letters including, an identity theft report over the past two years and still EXPERIAN is reporting incorrect information on my consumer report. I have attached my consumer reports for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On each report the year XXXX reports different things each year and each year the terms change. Each year EXPERIAN continues to report inaccurate information and its defamation of my character. The information is entirely inaccurate and incomplete, and as such represents a very serious error in reporting. 
The generated report for XXXX XXXX-has no repossession and XXXX to XXXX of XXXX says data unavailable, terms 58 months, and balance {$21000.00}. 
The generated report for XXXX XXXXhas charge off from XXXX to XXXX of XXXX, terms 58 months, and balance {$22000.00}. 
The generated report for XXXX XXXXhas no data available for XX/XX/XXXX, terms 56 months, and balance {$13000.00}. 
The generated report for XXXX XXXXhas no data available for XXXX and XXXX of XXXX, terms 56 months, and balance {$13000.00}. 
As of now there are 42 negative charge off on this one account and a repossession in XXXX which none of is true.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Equifax a letter to correct inaccurate information they are reporting. They removed and updated the payment history. But left the payment status in a derogatory status of Late 120 days. Which is inaccurate. On XX/XX/XXXX I sent a follow up letter to ask them to re-investigate and update the payment status to " paid as agreed ''. 
The account is paid in full and closed. They still have not updated this. 
Ive included both letters and a copy of my credit report showing the inaccurate info,
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFFB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my final institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFFBs finding 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

This {$100000.00} student loan account has already been disputed with Experian and resolved as paid in full. The {$100000.00} Forgiven/paid in full as part of Public Service Loan Forgiveness ( PSLF ) Recent payment {$100000.00} as of XX/XX/XXXX. Now the same {$100000.00} has been unlawfully re-aged by XXXX and Experian as if owe it again. And re-appeared after it had been disputed and investigated and documented by Experian as Paid in Full as my new balance and inaccurately as my new balance. Even though as can be seen XXXX Account information had zeroed everything in my account from Principal Amount {$0.00}, monthly payment {$0.00} Pay off Amount {$0.00} The loan has been Forgiven/paid in full and should be reported as /paid in full to credit agencies Per XXXX XX/XX/XXXX, Letter : Despite XXXX XX/XX/XXXX, Letter : Congratulations! The Biden-Harris Administration has forgiven your federal student loan ( s ) listed below with XXXX in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective XX/XX/XXXX.
Product: Debt collection

Company keeps calling me asking for a particular person. I do not know this person. I have asked several times for them to stop calling me and they still call. I do not owe the debt and I do not know the person they are trying to reach.