23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, Advanced Loans, XXXX XXXX , XXXX XXXX MO, was authorized to take two payments of {$76.00} from my XXXX card. They took out three payments instead causing my account to incurr an overdraft fee of {$76.00}. After speaking with the supervisor, I was assured that I could come to the location to be reimbursed for the error. When I got to the store I was advised that they would only give me the {$20.00} overdraft fee. When I asked to speak back with the supervisor I was told to wait. I
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into forbearance due to the COVID pandemic and it was clearly stated that my credit won't be impacted by it. Well, since XX/XX/2020 my Wells Fargo account has been affecting my credit negatively.. I'm not sure exactly why but every since the comment " partial payment '' has been placed on the account my score has dropped over 100 pts and I've been fighting every since then to get it fixed. I'm now out of forbearance and have made all of the necessary payments to be back to normal. I've been told to wait and the comment will fall off but it's been quite awhile and it's still there. I've been getting denied back to back for EVERYTHING because of it and it has impacted my family negatively. Going into this forbearance I did not expect all of this to happen and I regret ever going into it. Next time I will figure it out because this forbearance has had a bigger negative impact than the COIVID-19 Pandemic. Please help me resolve this and remove that comment.
Product: Credit reporting or other personal consumer reports

I disputed XXXX late payments that were reported on my credit by XXXX XXXX XX/XX/year> & XX/XX/year>. After I disputed those XXXX, they made them both current but added on XXXX other late payments that were never late. Those XXXX added late payments are months XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> & XX/XX/year>. XXXX of which were actually deferred properly through the company XX/XX/year> & XX/XX/year>. I made all of the payments on time and have all of the payment dates to prove so. In the event of disputing directly through the company they proceeded to do nothing. This has really caused an issue with my credit and purchasing another car that is greatly needed by my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user of capitalone quick silver MasterCard ending in XXXX paid off infull with zero balance. Not reported by the XXXX credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act. 

In Addition, XXXX XXXX XXXX overdraft is also paid infull with zero balance for account ending in XXXX. Not reported by the XXXX credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act. 

As a result, my recredit report is incorrect and inaccurate.
Product: Debt collection

Vital Recovery services ( XXXX ) is repeatedly calling me-atleast 15 times a day. I do not owe any money to any company/services. They are harassing me at all times of the day.
Product: Money transfer, virtual currency, or money service

I asked XXXX to delete my account under email ( XXXX ) but they refused citing data retention. I don't agree that their data retention policy has anything to do with deleting my log-in and profile- they can keep the data on the backend for as long as they legally can, but that doesn't stop them from deleting the log-in so start that clock for eventual deletion of my info. They refused to engage after I responded to their canned email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to KOHLS DEPARTMENT STORE because I am having difficulties with applying for new credit cards. I paid the charged off and do not owe anything, but the marks in XXXX, XXXX  and XXXX  reports prevents me from achieving the desired results. 
I am kindly requesting KOHLS DEPARTMENT STORE to remove this charged off from my credit reports as a gesture of goodwill.
Product: Money transfer, virtual currency, or money service

SQ*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19 {$20.00} SQ*XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/19 {$40.00} Cash App*XXXX XXXX XXXX XXXX XXXX XX/XX/19 {$40.00} These are latest charges put through my credit union account. 
A group of charges were put through my account last month for twice as much by the same organization. I do not and have never used this company for anything. These are fraudulent charges and you can't reach anyone to talk to my credit union gave me a telephone number of XXXX and there isn't anyway to talk to anyone to find out who's been putting these charges through unless the whole company is just a scam. The telephone number says they are not speaking to people at this time and refers to cash.app/help that is of no help either. I would like to find out name of person who has used card. 
My credit union is not going to give me help on this and instead is punishing me by not giving me a new debit card. Meanwhile whoever did this is free to cause someone else a problem.
Product: Debt collection

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX Account number : XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I went into XXXX in XXXX, Ohio to obtain a short term payday loan. I borrowed {$400.00} on that day and paid the loan in full in the amount of {$440.00} on XXXX XXXX. At no point during that transaction was I informed that Ohio no longer did payday loans and that it was now a line of credit loan. I also have no recollection of being handed any information regarding an annual fee to keep a " line of credit open. '' On XX/XX/2019 I received a phone call from XXXX about an outstanding balance. Upon returning their call I was informed of the annual fee. I was also told I should have received an email regarding that information. After thoroughly searching my email, I have no such email. They directed me to their lender, Crestline Finance. On XX/XX/2019 I called Crestline Finance and spoke to a customer service representative who directed me to her manager, XXXX ( sp ). I was told that if I did not pay the annual fee of {$150.00} in addition to the the {$10.00} credit reporting fee, my account would continue to accrue interest and go to collections. It was explained to me that the interest would not be based on the fee but rather the entire line of credit amount, even though there is no outstanding balance. The explanation was very confusing and repetitive but from my understanding their lines of credit extend to approximately {$1000.00}. I was approved for {$400.00}. The word collateral was used to explain why I would then be charged interest on not only the approval amount but also the remaining {$600.00}. The process was never explained clearly why I would be accruing interest on a loan with a {$0.00} balance, having no interest in " keeping it open. '' I was also told that I am not able to close the account, thus it will keep accruing interest, until I pay the annual fee, which I was not transparently informed of. 

I apologize for the confusing explanation but there wasn't much clarity to from the conversation. I am familiar with lines of credit and in my experience, if you don't use it, you don't pay for it. I realize that {$160.00} seems like it isn't worth this trouble. However, the deceptive practices and confusing/unethical product are worth taking the time to report. Thank you for any help you can provide.
Product: Credit reporting

I moved XXXX XX/XX/XXXX. I did not file a XXXX State Tax Return XX/XX/XXXX as it was not necessary, however XXXX assumed I was still a resident and erroneously assessed taxes and supposedly mailed a notice to my former address which I never received. XX/XX/XXXX I moved back XXXX, and after working for a few months, my employer received an earnings withholdings order to satisfy the lien. This was the first time I had become aware of the lien. I contacted XXXX and was informed the lien was for tax calculated for XX/XX/XXXX tax year. I informed them that I moved XXXX that year. They instructed me to file a XXXX XXXX tax return, which showed I had zero state tax liability for the year. They then released the lien, which is reflected on my credit report, however I have been unable to have the public record removed. The lien was filed in error, and the tax was never due, and has since been corrected in the XXXX XXXX system, yet it still appears on my credit report with XXXX Equifax. I am requesting to have the public record of the lien removed.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Credit Reporting Agencies for Non-Compliance with FCRA Dear Sir/Madam, I am writing to file a claim against EXPERIAN for their failure to comply with the Fair Credit Reporting Act ( FCRA ), which is adversely affecting my right to Credit. 
On XX/XX/year>, I submitted a dispute letter to EXPERIAN identifying inaccuracies in my credit report. These inaccuracies include unrecognizable and inaccurate accounts. According to the FCRA, consumer reporting agencies are required to conduct a reasonable investigation into disputed information within 30 days of receipt. However, it has been well beyond the mandated time frame, and I have yet to receive any correspondence regarding the resolution of my dispute. 
This lack of timely response from the Credit Reporting Agencies is not only a violation of my rights under the FCRA but also significantly impacts my ability to access credit based on accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I greatly appreciate the effortd exerted by the Credit bureaus to remove the dispute unauthorizd inquiries from my Credit Report but I see here that there are still remaining inquiries being reported without proper verification. Once again, I was a victim of identity theft and these inquiries were never made by myseld neither did I authorized anyone on my behalf. I have read that under the FCRA section 605b that the Credit Bureaus are required to remove any account and information that resulted due to identity theft. I am submitting this complaint to protect my rights. If the Credit Bureaus insist on claiming that the disputed inquiries belong to me and continue reporting without proper verification, please understand I will pursue legal action. pursuant of the FCRA section 605b, Please remove the disputed inquiries as soon as possible : XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 after trying to open a new bank account EQUIFAX had incorrect personal information on my name and date of birth. After a phone call to EQUIFAX on XX/XX/2020 I was told to upload my Social Security and Drivers License to correct and update my personal information on my credit report. On XX/XX/2020 at XXXX EST the Social Security and Drivers License was uploaded and sent with the confirmation number XXXX emailed to me with the Estimated Date of Completion XX/XX/2020. On XX/XX/2020 I received a email from EQUIFAX that I had no disputes filed with EQUIFAX. Will you please help me as they have my mothers birthday as mine as well as incorrect name on my report and I can not open any accounts with inaccuracies and sloppy record keeping by EQUIFAX. 
Thank you very much XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/year> i transferred all my digital currency from Binance to Binance US as there policy gave all U.S customers a deadline to transfer as Binance was not servicing U.S customers anymore. After my transfer i realized the currency did not show up in my Binance US account. I submitted a ticket with Binance US and no response for several months. I Also reached out to Binance and they told me to reach out to Binance US, please review snapshot. After reading forums online, alot of customers are also facing this issue inwhich is a scam. Please help me as i need to recover my digital currency. The currency as gone up in price and i have lost profits for the past 3 years now. PLEASE HELP!!!!
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I found, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section XXXX XXXX XXXX XXXX, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XXXX XXXX XXXX, and I have not yet received a response. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly a collection in the amount of {$2000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was working with the XXXX. along with the apartment complex where I was residing. We were able to come to an agreement for payment, which I fulfilled. Unfortunately, shortly thereafter the apartment complex was sold and a new management company came on board and refused to work with the XXXX. in any capacity and consequently I was asked to vacate the property. Currently the reporting entity of this collection no longer exists. This collection from the apartment complex is false and should not be appearing on my credit report. This false reporting of a collection is a violation of the Fair Credit Reporting Act and needs to be removed from my credit report. I have contacted the bureau to fix this however, I have not been successful.
Product: Debt collection

The following are accounts reporting in my experian that are product of identity theft. I wan them to be removed as soon as possible in compliance to FCRA : XXXXXXXX XXXX XXXX date opened XX/XX/XXXX XXXX  date opened XX/XX/XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX  date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXXXXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX XXXX XXXX date opened XX/XX/XXXX XXXX  date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  opened XXXX XXXX, XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems Ally Financial is not listening to me. My car payments are current according to the XXXX XXXX report it says that my XXXX payment is late and my account is not current. This is affecting my credit score. Please address this matter. I have attached a XXXX  XXXX   report to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX
Product: Bank account or service

In XX/XX/XXXX Chase Banks XXXX working at the fraud detection unit unlawfully locked me out of my own account when I tried to inquire about a transaction. They issued a security freeze in my account so I could not access my account online and had to go to branch and show ID to unlock it and I was not given any logical explanation. They had no basis to lock my account I answered all security questions accurately and answered all questions regarding my name and address so they acted in bad faith in denying me access to my account. This may be how Banks in XXXX XXXX work but not the us. Harassment of law abiding customers is what Chase Bank engages in. I do n't recommend chase bank. They are corrupt and disregarded my consumer rights and for no reason locked me out of my account. I recommend a class action lawsuit by consumers who have been harassed and denied access by the XXXX working in the supposed fraud detection unit because probably in many cases as mine the fraud detection unit accuses innocent customers of being the identity thief and real identity theives are not detected just innocent customers.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, XXXX, at approximately XXXXXXXX XXXX CDT, I called the XXXX XXXX XXXX XXXX XXXX credit & customer service center to request a credit increase. I spoke to a female representative, on a recorded call, who I told multiple times on this recorded call that, in order to increase my credit limit, I did not and would not allow for a hard inquiry credit pull. I stated many, many times on the recorded call that I did not allow anyone reviewing my credit line increase request to pull a hard inquiry on my credit report. I was told that my request was escalated to a male manager, who had to " send an email that could take an hour for a response '' to another manager, because my credit limit request of a total credit line of {$50000.00} had to be reviewed by several people. I was then promised a call back by the male manager, and I again told the female representative -- on a recorded line -- that I did not and would not submit to a hard inquiry on my credit to review or complete my request. On XXXX XXXX, I received notice that a hard inquiry had been placed on my XXXX, Experian and XXXX credit files. ( See attached screen shot. ) I did not ever -- neither verbally or otherwise -- give my consent for XXXX XXXX XXXX XXXX XXXX to pull a hard credit inquiry to complete my credit limit increase request. Their agents were specifically told, numerous times and all on recorded calls, that I refused to go through with my credit line increase request if a hard inquiry was required. XXXX XXXX XXXX deliberately and intentionally made a hard inquiry on all three of my credit bureau files , and I did not ever authorize them to do so.