23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up an account with Beyond Finance looking to pay off debt after Coronavirus. I spoke with a representative. In which I was explained a program. At the time I was not advised of the fees and I was under the impression that I would only be paying a program fee. After having the account for a month. I noticed excessive fees. Settlement fee for XXXX $ fees several XXXX deemed for possible legal service. Only XXXX $ was placed toward my debt. When I requested to cancel my account, I received no contact. I contacted a gain to cancel my account and finally got an email that my account would be cancelled and funds in my dedicated account would be returned. XXXX $ should have been left. When I contacted I was told they had to collect their settlement fees which are 25 %. Id spoken with a representative that told me there were only 4 fees of XXXX. I asked if that was all, they said yes. I was then told if I read the contract it said it there. Even though I asked, I was not told. It is In the contract. Why when I specified asked was I not told this? I would not have proceeded if this information was provided from the beginning when I signed up! The relief on clause in the contract that they know would not be read instead of being forthcoming. I deserve my money back. I was on hold for 2 hours to speak with a manager. I was hung up on while on hold. No one would communicate with me regarding this issue. The ledger the provide just says withdrawal it does not tell you why money is being removed from your account. You have to call and wait to get an explanation. This is a deceptive business practice, why have a ledger if it doesnt explain where the money is going. In addition why are fees not explained in the the initial debt that was supposed to be pa was a target account for XXXX to be reduced to XXXX XXXX Instead they jumped over that and settled a larger account for XXXX make it it have and getting a larger fee. Of XXXX $ instead of the XXXX $ For the smaller account which I would have immediately notice the cost vs settlement ratio was ridiculous. Instead if helping people they are preying of individuals who are trying to pay debts and get their life back. Now I am out half of what it would cost me to file Bankruptcy and I am still in debt. 

After reviewing the agreement it says nothing about any fee other the ridiculous debt settlement fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  had been given a letter of explanation to put in the file regarding an XXXX acct with fraudulent charges! The atty and closing agent known to each other were both aware of this. I can not and should not be forced for an incorrect fraudulent acct by XXXX which is currently being negotiated on by the atty hired! The atty fir closing in home have nothing to do with this XXXX forced me to hand over {$1100.00} or more on an acct that they were tons over and over was not accurate via Letter, phone calls and at every turn! Now they have funds being held which I was told would be held by the bank and that if not. They are forcing me to pay an incorrect acct that I have let them know to no end is wrong! I two weeks ag requested that the funds be sent to me and there has been no response at all! I would like all my finds sent to me Now please from them There were so many issues with this loan that I would like to move on from but will not allow anyone to trick, force or coerce me to pay a fraudulent bill!
Product: Mortgage

the appraisal for the home i bought on XX/XX/2021 had over XXXX incorrect entries. the appraiser inflated the value to match the loan and the mortgage company knew that. they with held the appraisal from me until less that 40 hours before closing so i would not have time to carefully look it over. they also charged me twice for the same fees. the home is structuraly not sound and they refused to look into it. due to this, i have lost my job, my credit is ruined and the home needs to be demolished. they have not looked into this and have offered no help in any way. the mortgage company also made my income appear to be more than what I reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello good evening My names XXXX I just need to dispute inquiry type Im ask for personal loan they approved me first but after I give my information account number and routing number they can funds the money to my account they reject for no reason and add hard inquiries under my credit report I need to Remove this inquiry Thank you
Product: Checking or savings account

I receive Chase Credit XXXX alerts from XXXX to XXXX. 

I dont have a chase account and want chase to stop emailing me. Ive tried to opt out but it wants me to sign in. I havent had a chase account in a while
Product: Credit reporting, credit repair services, or other personal consumer reports

After spending almost 1/2 hour on Hold, and Speaking with 2 Representatives for Another Half an hour. I desired to speak with a Manager who after Explaining the Dilema, Very Rudely Hung up on me. 
As a Veteran and 1st Time Potential Home Buyer, I've been Shopping around for a Lender for a Potential Home, Beginning around XX/XX/XXXX until XX/XX/XXXX 3 Lenders Pulled My Credit Report, which Dropped my Credit Score OVER 100 points. I was Told by these Lenders that I can have up to 3 Pulls within a 3 week period with No adverse affect on my Credit Report. Another Lender Told me 40 Days. Trans Union Told me that it was within 14 Days. When I Contested the Fact that Not only did the Holidays slow down the Process, but at Least 2 Lenders Pinged my Report within 2 Days. I also Inquired as to Why 3 of my 3 Credit Cards Still Showed an Outstanding Balance, though the Balances had been Paid in Full for the Past Week and a Half to 2 Weeks. I Explained that it should be Obvious that the 3 Mortgage companies should be seen as 1 Ping since I was shopping for the Best Rate, Until I found that My Score had Plummeted Over 100 points in Less than a Month. The Supervisor didn't even Bother to Answer my questions then Rudely Hung up on me. As a Veteran and a Consumer, I think we Deserve Much Better than this from Not only our Credit Reporting Agencies to Keep our Information FAIR, ACCURATE and UPDATED, as a Mortgage Loan is one of the Biggest Debts a Citizen Incurs in his Life, and these things can Cost us Literally Thousands of Dollars. 

The Time Frames in Which these Lenders Viewed/ Pulled My Credit File thus was Not only Inaccurate reflections but should Not have adversely affected my score as at least XXXX were done within the specified time frame, Notwithstanding the Holidays, I think Consideration should have been Given, because of this. 

Nevertheless, My Experience with these Companies have DISGUSTED ME to the Point that I NO LONGER Want to DEAL with them, and have LOST my Very Desire to PARTICIPATE in this System as WELL as pursue my First Home Loan, as It is Not only UNFAIR they are RUDE and NOT ACCURATE. 

I've NEVER Missed a Payment, and Worked HARD for the Past Year to obtain Good Credit with a Score of approximately XXXX Only to see my Score Fall to Back to where it Started XXXX or less in LESS than 3 weeks due to 3 Inquiries? 

SOMETHING Needs to be Done about this, as WITHOUT ACCOUNTABILITY these CROOKED AGENCIES can DO WHAT they Like to ANYONE.
Product: Debt collection

I am writing to formally lodge a complaint against XXXX XXXX XXXX regarding their deceptive practices and unfair billing related to their wellness plan. Below is a detailed account of my experience : In XX/XX/XXXX, my dog passed away, and I contacted XXXX XXXX XXXX to cancel my XXXX plan. I was informed that I had to continue paying {$58.00} per month because the services provided had to be covered before I could cancel. This information was not disclosed when I initially signed up for the plan. I believe I was overcharged and informed XXXX XXXX XXXX that I would not continue to pay for the plan and that it should be canceled immediately. 

Despite my request, XXXX deducted payments for XXXX and XX/XX/XXXX, which I disputed with my card company and they reversed the charges without any rebuttal from XXXX. Subsequently, XXXX attempted to collect additional payments for XX/XX/XXXX and XX/XX/XXXX, totaling approximately {$110.00}. These charges were declined by my card company, and XXXX then sent my account to a collection agency, I. C. Systems XXXX XXXX. XXXX Account XXXX. XXXX. 

On XX/XX/XXXX, I disputed the charges with XXXX XXXX, a supervisor at I. C. Systems via phone at XXXX, and he assured me that he would address my dispute with XXXX. He also promised to send me an itemized list and other relevant documentation. It has been over 30 days, and I have not received any communication from XXXX or I. C. Systems. XXXX mentioned that if the issue was not resolved by XX/XX/XXXX, it would be reported on my credit report. However, I have not received any proof from XXXX. XXXX ( I do not owe this because I cancelled the plan in XXXX, XXXX ), and they should not report anything on my credit report without such proof. 

My primary concerns are as follows : XXXX. XXXX does not disclose their cancellation policy upfront and they should be held accountable for lack of disclosure about their cancellation policies with acknowledgement from the consumer upfront. 
XXXX. XXXX charges more for services than the annual cost of the wellness plan. 
XXXX. XXXX practices result in customers owing more money even after paying the plan to the renewal date. 
XXXX. The collection agency, I. C. Systems, should not report any debt on my credit report because no proof was provided. 

I urge the CFPB to investigate XXXX XXXX XXXX practices and take appropriate action to ensure that consumers receive full disclosure of all terms and conditions up front before signing up for any wellness plans. Additionally, I request that the CFPB XXXX XXXX and XXXX. Systems from attempting to collect money that I do not owe and ensure that my credit report remains unaffected by these disputed charges. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is self lender reporting a closed account on my report that has been handled. Not only showing the account as open when it is not they are also reporting a incorrect balance. If the loan has been paid off since XX/XX/21 and closed
Product: Credit reporting or other personal consumer reports

PLEASE delete these accounts listed for inaccuracy from my credit report because the date showing last active is inconsistent. The last date reporting is not consistent with other credit bureaus. 

Account Name : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Date Active : XXXX XX/XX/XXXX, TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX - XX/XX/XXXX. 
Last Date Reported : XXXX : XX/XX/XXXX, TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX - XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX, TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX. 
Last Date Active : XXXX XX/XX/XXXX, TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX. 
Last Date Reported : XXXX XX/XX/XXXX, TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX, TransUnion XX/XX/XXXX XXXX 
Last Date Active : XXXX XX/XX/XXXX, TransUnion XX/XX/XXXX Last Date Reported : XXXX XX/XX/XXXX, TransUnion XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted formal disputes to XXXX, XXXX, and Experian regarding inaccuracies on my credit report, specifically identifying the accounts in question and providing clear details about the errors. Despite their legal obligation to investigate and respond under the Fair Credit Reporting Act ( FCRA ), it has now been over 30 days with no response from these agencies.

Under FCRA Section 623 ( a ) ( 3 ), furnishers of information must update accounts to reflect a disputed status during the investigation. This obligation has not been met, resulting in continued misrepresentation of my consumer report.

Additionally, the inaccurate reporting of the 'date of last activity ' on this account violates Section 605 ( c ) of the FCRA , as this date should correspond to the last payment made rather than an arbitrary date, misleading creditors and consumers alike.

Furthermore, the collection agency associated with this account has failed to provide sufficient validation of the debt as required under FDCPA Section 809 ( b ). This repeated failure undermines the accuracy and fairness of my credit report and violates my consumer rights.

I am attaching copies of the original letters sent, along with relevant documentation. I respectfully request immediate action to correct these violations and ensure compliance with federal regulations.
Product: Money transfer, virtual currency, or money service

I was attempting to deposit a check using the deposit a check feature offered by financial institution XXXX XXXX but provided by XXXX. I keep getting an error that XXXX XXXX is unable to verify my identity. I contacted support by phone who transferred me to XXXX XXXX who is telling me they are unable to fix the issue and there is nothing I can do. The automated system says my account has been closed and it does not even have the correct birthday for me in the system! I am unable to add money to my bank account so that I can pay bills and use other features offered. They are refusing to resolve the incorrect information in their system I have only attempted to use the check deposit feature one time to deposit a government issued check. I have called and emailed support who has been unwilling to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received a copy of my credit report from XXXX, XXXX and Experian. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to XXXX, XXXX and Experian on XXXX  asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). XXXX received my letter on XXXX XXXX XXXX XXXX  received my letter on XXXX XXXX XXXX. Experian received my letter on XXXX XXXX XXXX. I received letters back from XXXX and Experian showing that they had completed their investigations into the accounts. I did not receive a letter back from XXXX. I received a new copy of my credit report from XXXX, XXXX and Experian on XXXX  This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XXXX I submitted a complaint to the CFPB about the inaccuracies. Experian Complaint ID is XXXX XXXX Complaint ID is XXXX. XXXX  Complaint ID is XXXX. Experian Responded on XXXX XXXX Responded on XXXX XXXX Responded on On XXXX I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On XXXX XXXX XXXX Account Number : XXXX or XXXX, payment history is inaccurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me. I have contacted the individual companies about the fraudulent accounts. I am requesting signed contracts that obligates the following accounts to me. XXXX XXXX   XXXX / XXXX Card opened on XX/XX/XXXX. This account is fraudulent and does not belong to me. XXXX XXXX XXXX opened XX/XX/XXXX. This account is fraudulent and does not belong to me. The following hard inquiries that are fraudulent are XXXX, XXXX XXXX, and XXXX XXXX. These inquiries are fraudulent and were not authorized by me. Chapter XXXX Bankruptcy opened on XX/XX/XXXX,  reference number XXXX does not belong to me. 

Police reports have been mailed to the credit reporting companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 i sent a letter to transition disputing information on an account named XXXX I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Via the hack that exposed 137 ( approx. ) million US consumers credit data at Experian, I am apparently included. This is XXXX XXXX, 2017. I Just used their online portal to check, and my information is said to be included ( complaint portal at XXXX XXXX XXXX ). 
This is a complaint against Experian for failing to hold my data securely, and putting me, and millions of other American consumers at risk. 
This is ENTIRELY UNACCEPTABLE. We should not, in this day and age, even be using SS numbers as identification. This situation only drives that point home. But to have the very people supposed to be safeguarding that information leak it is beyond the pale. This entire model of doing business is looking worse and worse. 
I think I speak for a lot of frustrated consumers today when I say I demand something be done to 1. Punish Experian and 2. Make sure that this can not happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

after a check of my credit report i ask the credit bureaus to do a detailed verification of these accounts, all came back verified. after checking, i find multiple inconsistencies and errors with these accounts after they claimed to have did their checks, i also did not authorise in writing that these accounts be posted. 

in accordance to the fair credit reporting act XXXX  account has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting companies have wrong or in accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED DISPUTES TO XXXX AND XXXX ON LINE THAT THERE IS ERRORS REGARDING MY NAME AND ADDRESSES. THE INFORMATION HAVE NOT BEEN REMOVED FROM MY CREDIT FILES. 

WRONG NAME - XXXX XXXX CORRECT NAME - XXXX XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX, TN XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS XXXX MAILING ADDRESS - XXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX PHYSICAL ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS XXXX
Product: Checking or savings account

From XX/XX/XXXX until XX/XX/XXXX fraudlent charges have been made to my accound that were not authorized. 44 purchases containing over {$5000.00} were not authorized my by me. 

My bank Ally has determined that I have authorized these purchases. 

There is no possibly way i could have made these purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called company to verify debt, they stated the account was no longer with them and then transferred me to another number and they could not find the account and then asked them for verification of debt, this is a major error and the account needs to be investigated. I could not even get in contact with original debtor, they claimed to no longer has access to files.
Product: Credit card or prepaid card

I had these two Credit Card While I was Married to the mother of my children she had used them and I filled for XXXX  and these two accounts were there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX 2017, my Discover It Chrome Card has not been showing up on my XXXX XXXX XXXX it showed up from XXXX to XXXX but that was it then the card had dropped of the report and my credit score went down roughly XXXX points. I use XXXX XXXX to keep track of everything and all accounts are correct but the only one missing is the Discover Card on the XXXX report ; it 's on the XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX and Equifax are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX