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. 

Account Name : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I received a letter from Caliber Home Loans ( current mortgage company ) regarding the opportunity to refinance and lower payments, get cash for home repairs, etc. We need some kitchen updates, so I called and spoke with XXXX XXXX just to inquire and see if it would be beneficial. Just wanted to see what the cost would be and get an estimate. She said she would need to do a credit check to get numbers for me. She verbally gave me a couple of options and then said she would send something in writing. Next, she sent a loan application requesting electronic approvals from me and my husband. It had incorrect numbers, including initial loan amount and other incorrect info. After looking at the figures, I decided it was n't a good time to move forward. I replied to the email she sent with the application and told her that we were not ready to move forward at this time. I 'm certain she read my email. In a couple of weeks I received a letter asking for some clarification on some items on my credit report. Since I had told her we were not moving forward, I ignored it. Then last week, I received a statement from Caliber saying that they had reviewed our application and did not approve it. Imagine my shock that XXXX XXXX had apparently sent the application through without the approval, knowledge or consent of me or my husband! Perhaps she has a quota or is compensated for processing loans. I called the company toll free number XXXX and left XXXX messages asking someone to call regarding this and left my cell number. No one ever returned my call. My biggest concern is that this will go on my credit report that I was turned down for a loan that I never applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with customer service on multiple occasions to get validation of inquires that have been placed on my report. I have also attempted to contact some of the companies that are listed on my report as inquires but have had no success. The customer service reps have been unhelpful in assisting me in removing duplicate, old outdated and inaccurate inquires and constantly transferring me to multiple representatives resulting in no correction. Please validate the inquires listed on my credit report or remove them within 30 days as some sure have been added in error or without authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

As a consumer, Transunion has violated my federally protected consumer rights under the Fair Credit Reporting Act. Transunion is governed by the FCRA. After multiple requests to delete negative accounts, Transunion continues to violate my consumer rights. I did not give Transunion my written permission or instructions to furnish the below negative accounts on my consumer report. I have requested documentary proofs giving only Transunion ( and no other company ) my written permission or instructions to furnish the below negative accounts on my consumer report, which Transunion never provided to me. According to the Fair Credit Reporting Act, XXXX XXXX Code XXXX states that I have a right to privacy and confidentiality. XXXX XXXX XXXX XXXX also states that a consumer reporting agency can not furnish an account without my written permission and instructions. XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Over the course of the last 36 months I have canceled my Experian premium subscription five times. Ive never once authorized this premium subscription or the {$24.00} that they attempt to retrieve from my account time and time and time again. I dont know how they havent been removed as credit monitoring authorizer but they need to be.
Product: Student loan

Hello, My complaint is regarding a refund request with EdFinancial for the purpose of relieving it under the One-time Federal Student Loan Debt Relief program. I spoke with an EdFinancial representative on XX/XX/XXXX to begin the refund process, and I was informed it would be up to three weeks before I would see the balance reinstated. Today marks just over a month, so I am filing a formal complaint as the one-time debt relief form is now available and is time-sensitive closing at year 's end. Per the rules of the one-time relief, I expect the refund from EdFinancial to be a minimum of {$10000.00} as that is the total amount of voluntary payments I made to EdFinancial during the payment pause ( from XX/XX/XXXX, through XXXX XXXX, XXXX ), which I intend to apply towards the one-time relief as soon as the balance has been reinstated. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps reporting incorrect information about late payments to my credit report. They have a different date for the 30 days late each time I dispute. I provide proof of the on time payments, it gets removed and then a month or so later they are back again reporting incorrect dates. Now they are reporting 2 late payments instead of one. This should be illegal. Its really unethical that the credit bureau companies keep reporting this information even after I show proof the payments were on time. How can someone constantly report false information?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX True Accord Dear Sir or Madam, I recently reviewed my credit report and noticed that this account has been marked as a charge-off. However, I have not received a 1099-C form for the cancellation of debt.

Given my financial hardship, I would appreciate it if you could issue and send me a 1099-C for this account. This documentation would be helpful for my records and may also assist me in improving my financial situation moving forward.

Please let me know if any additional information is required to process this request. I appreciate your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX : XX/XX/XXXX Social security # ending in XXXX
Product: Checking or savings account

On XX/XX/2019, I deposited a insurance claim check for a family member. Before depositing the check I verified the account and routing number. After depositing the check on XX/XX/2019, I received a email stating the funds were available for withdrawal in the amount of {$7500.00}. With this information I withdraw the funds and gave them to the payee of the check. On XX/XX/2019, I received another email from Chase Bank stating the transaction had been reversed because a stop payment order was in effect. I contact the insurance company and was to that their Bank which also is Chase had a stop payment order issues 9 months ago and the bank should not have honored it. I then contacted Chase corporate office and told them about the stop payment on the check that they honored. I was told that I was liable for the funds. I then went to the UCC Code for Banks honoring over a stop pay order and found under code 3-4, that a bank is liable because they do not act in good faith by causing a loss to my account. Had the they inquired within THEIR OWN RECORDS they would have ascertain that a stop payment order had been issues and not to honor the check. But because they did not inquire or research their own files of another account holder of their Bank it caused a check to be honored through my account. Their actions place a loss to my account which never seen have happen. The bank is liable under the UCC Code because it honored over a stop payment order. This order included anyone who deposit or try to cash the check it is to be not honored. Also under the UCC Code a holder in due course law needs to be enforced. Businesses do not follow or have knowledge of these codes and they need to be enforced. Under your account agreement with Chase it states if they honor a stop payment item they are liable. It doesn't state who had to place the stop payment order. Who is liable now?
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and the bureau are not doing any type of investigation ... .they just validate with no proof and none of these accounts belongs to me and my person information should only one name and one address, no former other names and addresses at all ... .I need for this to be fix asap.

These are the accounts that I'm disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am disputing the reporting of an XXXX account. I first disputed this account on XX/XX/XXXX for inaccurate reporting, the results came back as meeting the " FCRA ''. I then disputed again on XX/XX/XXXX, asking to verify the account, it came back as completed with no changes. On XX/XX/XXXX, I disputed the " date last active '' because none of the dates matched on my credit report ; it was not corrected. I disputed the " date last active '' once again on XX/XX/XXXX ; it came back verified and was not corrected. I then disputed the " date of last payment '' on XX/XX/XXXX because the dates were inaccurate on my credit report ; it was not corrected. I sent out a follow-up letter on XX/XX/XXXX disputing the " date last active '', " date of last payment '', and the " payment history '' that showed inaccurate reporting ; it has not been updated or changed. On XX/XX/XXXX, I sent out a violation letter asking for a deletion for this account because the " date last reported '' has not been changed even though this account came back verified. This account also was sold to another company and it doesn't state that in the comment section of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get a Job XXXX XXXX XXXX which turns out that my application was denied due to XXXX XXXX XXXX reporting innacurate background check information, I called them and explained the situation which they told me that i had to get in touch with XXXX which I did and XXXX told me to get in contact with XXXX XXXX XXXX the company that provide my incorrect background check which states that i have felonies/misdemeanors in the state of Texas, XXXX XXXX Ca, and South Carolina but I was born in XXXX Ca and raised in XXXX XXXX and never lived in Texas or South Carolina or XXXX XXXX. No one seems to be able to help me out with this situation and this is causing a hardship on myself amd family because I can not pass a background check and get a job due to all these innacurate findings on my record. I feel like identity theft is the reason why and someone is using my identity to commit crimes in other cities/states. Any help helps. Thank you.
Product: Credit card

We purchased a murphy bed in XX/XX/2023 and asked the merchant if it can be delivered different state XX/XX/2023 because we out of state til then, He said yes we paid in full {$3200.00}. End of XXXX we got home starting to text merchant that we were home can deliver murphy bed. He said should get it soon. Never recieved it sent messages all summer. He had excuses but never got it. 
I contacted XXXX in XXXX started dispute, closed case no documents why. called back reopened case 2 other times, He said item on the way. 
XXXX say cant help us go to merchant. Now we are back near merchant went to see him, now he says item lost in freight. And he cant refund us because XXXX took funds from him. We went to XXXX XXXX XXXX, this merchant has done this to about dozen other customers. Rating is XXXX He has no proof at all here our murphy bed went or even mailed out. 
Called back XXXX talked to supervisor and cant refund us or do anything for us. She said his last form said he was waiting for us to let him know when to deliver. but not true.
Product: Credit reporting or other personal consumer reports

XXXX is reporting inaccurately and must be removed under the fair credit reporting act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX, 2017 Equifax released my credit report information to unnamed third parties without consent. My private information, such as my SSN, date of birth, driver license number, and address, collected by Equifax and held in trust, are now, basically, public information. As a result, I have been forced to monitor my finances with extreme diligence to watch for fraud that may negatively affect me financially and affect my ability to obtain future credit. Equifax has put an undue burden on me to prevent fraud to my credit. I have filed a fraud alert with Equifax.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan on XX/XX/XXXX. 

The company did a soft pull and offered a loan to me. 

I submitted the loan application and it was denied and a hard inquiry was applied. 

The company deceived me into believing that I had an offer the same way XXXX XXXX deceived millions with fake pre-approvals. 

I contacted the company the same day and requested a supervisor to have it removed. I was advised that they will call me back in XXXX hours but they only called once on Sunday ( XX/XX/XXXX ) when I was away from the phone then sent an email stating the issue was resolved and there is nothing that they can do because I agreed to have the credit pulled when I selected the the box in order to get the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke with numerous TransUnion agents as well as XXXX XXXX agents from XXXX XXXX XXXX  XXXX to get these account review inquiries removed from my TransUnion credit report, and have had no success whatsoever getting cooperation from either TransUnion or XXXX XXXX  from XXXX XXXX XXXX XXXX. I am so frustrated and so tired of having to deal with these agents that are unwilling to help me and being one hundred percent unwilling to help me regarding this issue. They are fraudulent and I am a victim of identity theft. There are also XXXX sets of inquiries with the same dates on each of them. These are listed below : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

i logged into my bank account and noticed the credit reporting co they use was reporting my credit score wrong. i emailed them to inquire as to why they were reporting the wrong score. i told them i had just checked my credit scores and they were all different from what they were reporting. XXXX was at XXXX, XXXX at XXXX and XXXX was at XXXX last check my scores on XX/XX/XXXX, XXXX i sent them a copy of my report from XXXX and they said they use a different scoring system than XXXX. i really think these banks hire these companies to lowball the scores in order to give the consumers higher rates
Product: Prepaid card

I have 2 Amex gift cards, one for {$25.00} and one for {$100.00}.

I tried to use the {$25.00} at a XXXX  gas station. It was denied when I put in my zip code at the pump. I took it inside to pay and it was denied there too so I paid for my gas with a different payment method. To be clear, at the gas pump there was no {$25.00} available to use, so in order to get the gas, I used my debit card. The next day I checked the balance on that card and it was XXXX with a payment of {$25.00} to XXXX showing!, Now I was trying to register the {$100.00} card so that I can add a zip code to hopefully make using it easier. Theres no way to do that, so I give up. 

I give up. I would like my {$120.00} back. Thank you.
Product: Debt or credit management

Over 5 months of hardship and harassment. 
Approved then denied loans. 
Requested assistance in XXXX while XXXX XXXX XXXX XXXX 
Banks continue to harass, will be removing all emails and phones as I don't need or can afford them as I have being paying over XXXX a month to XXXX XXXX XXXX  The bank ongoing harassment and employee called me again after repeating asking to stop. 
Cease and desist.
Product: Debt collection

Account is not valid. No balance owed. After 7 years, XXXX/IC Systems continues to report account in the amount of {$1200.00} on credit report in violation of the Fair Debt Collection Practices Act.
Product: Payday loan, title loan, or personal loan

Multiple issues with trying to pay off loan. Moneylion has been taking a " subscription fee '' of {$19.00} every month since the loan started. Every attempt to pay off the loan has been rejected and any help from phone calls are non-existent.

I have called Moneylion multiple times and they recommend that I add another debit card to pay it off, but each time only the " subscription fee '' has been taking off of the card instead. Any attempt to pay off the loan has resulted in a " we are sorry, call back within 3-7 business days and we will attempt to fix the issue again ''.

Because of MoneyLion will not let me pay for my loan, I have been frequently getting missed payments added to my credit report, resulting in my credit score tanking. They LOVE to take money from me as a " subscription/membership fee '' but will reject all attempts at loan payments.
Product: Credit card or prepaid card

on or about XX/XX/17 this credit card was opened in my name Fraudulently in my name. I spoke with this company on several occasions with no avail to take care of this collection charge off debt in the amount of {$500.00}, I preferred to work with this company directly in resolving this matter but due to lack of response I have no choice but to sue my final attempt per my attorney under FCRA regulations.
Product: Credit reporting or other personal consumer reports

I have an account with XXXX that's for a Motor vehicle, experian and XXXX are showing conflicting days on when this account was open, according to the fcra your duty is furnishing information that is accurate and complete, and investigating consumer disputes about the accuracy of information you provide. 

this account is showing different open days which means the reporting is not accurate and the balance on this accurate isn't accurate or complete, I want this account removed form my credit report, I am putting both credit agencies on notice, I do intend to sue.
Product: Mortgage

In XXXX of XXXX I submitted a refinance application with XXXX who works with Cardinal Financial Company. While they have several great reviews, what the reviews did not reveal is that the company has poor communication with it's clients unless they require information. My loan took over 45 days to close and even though it closed on XXXX, they did not mail the disbursement checks to any of the creditors they had me pay off until XX/XX/XXXX, sending my home owners policy into cancellation and receiving a late fee once paid. I was told on several occasions the checks were mailed on XXXX, but when I received copies of the actual disbursements the checks were dated XX/XX/XXXX. I had offered to pay off the small accounts directly, but was assured it would delay the loan so I gave them a cashier 's check for the loans. During the last set of disclosures a {$220.00} fee was added into the loan that wasn't there before as well as the title fees doubling. Only when I questioned these items did they attempt to resolve the title fee issues, while the {$220.00} fee kept appearing and disappearing. My refinance was a simple straight forward, no money out loan which should have been easily streamlined but turned out to be constant stress and while it closed on XXXX there is still the pending item of the late payment for the home owner 's insurance.