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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

Complaint Against Happy Money Inc. Failure to Refund Overpayment Description of the Issue : On XX/XX/XXXX, I contacted Happy Money Inc. after making my final loan payment to confirm that my account was fully paid off and to ask if any additional steps were needed to close it. Their representative assured me my account was settled and no further payments would be withdrawn. 

However, on XX/XX/XXXX, Happy Money withdrew an automatic bill payment from my bank account despite the loan being fully paid off. Rather than returning the check or stopping the withdrawal, they processed the payment, resulting in an overpayment on my account. 

Since then, I have contacted Happy Money multiple times to request a refund of the overpayment, reaching out on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Whenever I attempt to speak with someone, I can not get a representative on the phone. They claim to offer a callback service so that customers do not have to wait on hold, but I have never received a callback despite multiple requests. 

When I can communicate via chat, the representatives repeatedly tell me that I need to update my bank account information ( which I have now done twice ). Then, they state that refunds take 7-10 business days to process. However, it has been well over that timeframe since my initial request, and my account has still not been credited with the overpayment refund.

This delay and lack of accountability are unacceptable and unethical. Happy Money Inc. has failed to uphold its responsibility to return a customers overpayment in a timely manner, and its lack of responsiveness suggests a pattern of poor customer service and potentially deceptive business practices.

I request immediate intervention to ensure that Happy Money Inc. issues my refund promptly and ceases any further delay tactics. Additionally, I urge an investigation into their handling of overpayments and customer service practices.

Thank you for your time and assistance in resolving this matter.

Company Involved : Happy Money Inc.

Desired Resolution : Immediate refund of overpayment and investigation into business practices
Product: Credit reporting or other personal consumer reports

I discovered these accounts on my credit and they do not belong to me. Ive reached out to the company several times!

1.XXXX XXXX XXXX XXXX {$810.00} 2.XXXX XXXX XXXX XXXX {$170.00} 3.XXXX XXXX XXXX XXXX {$15000.00}
Product: Debt collection

i canceled my car insurance with travelers on the correct dates as asked. they tried to send a bill me for {$390.00} saying i was still covered and insisted i owed this amount, when i cancelled in a timely manner as asked. i told them i had proof i canceled. I gave travelers a call and they said they would remove this debt as i showed proper documentation of my cancelation. I was sent a check in the mail to be reimbursed now i am receiving mail again XXXX saying i owe {$140.00}. i am not able to pay this and this is not accurate.
Product: Money transfer, virtual currency, or money service

Binance.US enabled my account. They said they refunded XXXX on XX/XX/21 and it made my account go negative. My bank has no record of this transaction. And I never received any refund. I asked them for proof of the transaction and they only stated that I need to contact my bank which I already have. I sent them copies of my bank statements of 5 months as they requested. They have yet sent me my money or unlocked my account. But they did acknowledge on XX/XX/21 that they did not refund the XXXX So why is my account still enabled?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

XX/XX/2020, I requested a voluntary surrender. The car was immobile due to a mishandled recall repair by the dealership. I advised Bridgecrest that I was moving from the state after my only child was recently murdered. I was unable to transport the immobile car with me. However, I offered to have it towed to Bridgecrest. They declined my offer. They advised me to remove my belongings, leave the key, and they would pick it up from the dealership in a few days. I never heard from Bridgecrest again after I initiated the voluntary surrender. They marked my account as XXXX XXXX then an Involuntary Repossession. The involuntary repossession has been reported for XXXX XXXX and has caused me a severe financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, This is XXXX XXXX, I am wondering what's going on. I sent you letters about errors on my credit report on XX/XX/2022 but it seems you haven't made any action yet. You haven't even updated the status of those items on my credit report as if you totally ignored my letter. I am attaching the same documents I sent you last time so the CFPB would see them and I hope his time you will not ignore them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax responded to me on the cfpb website and said that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not on my credit report. I looked at my report on the XXXX. They readded the account back to my report illegally. This is aggravated identity theft equifax us commit oh Not only did I not authorize them to do so neither did give them written instructions. This a violation of rights and causing harm to my reputation. My score dropped XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX we applied online at Truist.com for a business line of credit for our company XXXX XXXX XXXX XXXX. Upon completion of the application credit was immediately denied. To date we have received no communication from Truist regarding the reason ( s ) for the request being declined. I sent an email the same day to my local branch manager in XXXX XXXX, SC, XXXX XXXX, to request assistance with this issue and several others but never received a response. A friend who works for Truist forwarded my email thread outlining a number of issues including this one to two merger leaders. On XX/XX/XXXX I received a voice mail from XXXX XXXX who indicated that he was assigned to my case with ( # XXXX ). I called and left messages on XX/XX/XXXX, XXXX and XX/XX/XXXX and have received no call back.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all XXXX  Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$2000.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1900.00} XXXX Date XXXX XX/XX/XXXX Balance {$1600.00} XXXX Date Opened XX/XX/XXXX Balance {$39000.00} XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} XXXX  Date Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX  ( XXXX XXXX XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had been paying since XXXX of 2021 as part of a court ordered repayment plan. This has not been showing " payed as agreed '' on my credit reports. On my equifax report it has been showing " no data ''. I have attached proof of the trustee payment report to the court as well as the Court order. The companies name is XXXX XXXX XXXX and Exquifax, XXXX and XXXX are the reporting agencies. 
XXXX XXXX , XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have a loan with SC STUDNTLN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. 

SC STUDNTLN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; SC STUDNTLN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; SC STUDNTLN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; SC STUDNTLN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; SC STUDNTLN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent accoding to 15 U.S. Code 1681n : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am a victim of identity theft and I have recently found another account that has been fraudulently added to my credit report. 
Account # XXXX with XXXX XXXX XXXX is claiming I owe {$320.00} to XXXX XXXX XXXX 
This account is not mine. In fact, Equifax recently completed an investigation on this same amount that XXXX XXXX XXXX is claiming that I owe. The investigation results were completed on XXXX and you mailed me a copy of this deletion with a confirmation # of XXXX stating that this account had been deleted. 
Additionally, XXXX and XXXX completed an investigation as well and had the account deleted and removed from my credit report as well. 
Attached you will find several documented pieces of evidence that has been filed with local law enforcement and other government institutes for this illegal account. Please review the following evidence : Office of the Attorney General of Virginia Notarized documentation that XXXX  XXXX  XXXX  has created several fraudulent accounts over the years ( scroll to page 8 ) FTC Report Number XXXX for the Fraudulent account # XXXX with XXXX XXXX XXXX 
Police Report with XXXX County Sheriffs Office Incident # XXXX reporting identity theft that has led to several illegal accounts on my credit reports. 
XXXX  Deletion notice from Consumer Financial Protection Bureau Complaint Case ID XXXX XXXX Deletion notice from Consumer Financial Protection Bureau Complaint Case ID XXXX Equifax Deletion notice from my credit report with confirmation # XXXX Please have this account removed immediately from my credit report. 
Because as I mentioned this item has been reinserted on my credit report under a fraudulent account number and name. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX. 
Please govern yourself accordingly. 
XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX on all 3 of my credit reports. I have tried and called all the bureaus and they keep telling me different things about this account. This account was a judgement, and my wages were garnished for years until collections amount was paid in full. The NY Supreme Court took all of their remarks off all my credit reports and I think the XXXX XXXX should be required to do the same. In my research of laws in NY State, there is a law call the NY 5 year purge rule. It states that any collections orjudgement that have been paid in full from the first D.O.F.D. shall be removed from all credit reports ( D.O.F.D. was X/2011 ) I have provided all sorts of proof that this judgement has been paid n full and the account should be removed from all of my credit reports. I will include them with this complaint as well.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and this statement is being composed by me. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. My identity was stolen and I need the accounts that were made by the thief removed! There is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy along with accuracy. I am demanding removal of the listed 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 I demand the removal of the following inquiries made by the thief : XXXX XXXX XXXX XXXX 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: Checking or savings account

Hello, I was hired by this company called XXXX XXXX by a man called XXXX XXXX. He said I was hired and that they were going to send me 2  checks for the amount of XXXX XXXX  to buy the equipment. Well, the checks were fake, the man was fake and the checks of course bounced. I called Bank of America explained what happened and they told me it will take 90 business days for the claim to be resolved and possibly get a refund and my account back to the way it was an not negative {$1900.00}. The holidays are coming and I have more than enough proof that I was scammed. I will attached everything I have and hopefully I can get this resolved earlier than 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer did not consent too nor authorize these inquiries that are reporting to my consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from XXXX, XXXX and Experian. Everything is electronic I did not give them written consent to obtain my consumer report per section 15 USC 1681n ( b ). Per federal law states that any corporation whom willfully fails to comply with the requirement of 15 USC 1681n is liable to the consumer in the amount of {$1000.00} per section 1681 ( n ) ( a ). I sent all XXXX bureaus an identity theft report via Usps mail via certified mail. Are they above federal law? Some of these XXXX party Consumer reporting agencies are XXXX  for profit corps doing work How are they able to share my consumer report without them contacting me for my consent to share my private information with these corporations. The bureaus humiliated me to the public and damaged my reputation. All XXXX bureaus decreased my score because of these inquiries. If you can provide me a copy of a credit application authorizing the disclosures of my files with my actual signature, I will accept the inquires. If such application is removed I demand these inquires be blocked and removed from my consumer report. XXXX stole my identity and sold my information via credit sale to these corporations without prior consent.