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

I pulled my Equifax report on XX/XX/XXXX. I noticed there was a fraudulent inquiry on my Equifax credit report. The inquiry was on XX/XX/XXXX and the creditor/company was XX/XX/XXXX. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I have disputed this fraudulent 5 times and it came back deleted each time, however, it is still showing on my credit report. I attached my results from my XX/XX/XXXX results but I have provided all of the dispute numbers. I contacted Equifax on XX/XX/XXXX. First representative I spoke with I told them I need to speak to the Fraud department, instead of transferring me they questioned why do I need to talk to them. I finally got to someone in the fraud department and we never got passed verifying my information. The representative asked me my full name. I said XX/XX/XXXX XXXX XXXX. He asked for my date of birth and address. I provided him that information. Then he asked for my last name again and my middle name again. I asked him why do I need to restate that if I already provided that information. The representative transferred me to the survey line to give feedback on my call. So I did not get this issue taken care of. So not only was my issue not taken care of BUT I RECEIVED HORRIBLE CUSTOMER SERVICE!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports.XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$2300.00}, and DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. Please delete ASAP.
Product: Credit card or prepaid card

I am fully aware that XXXX should have looked into this much earlier, but I have been trying to pay down my Citicard account for sometime now and it doesnt seem to go down. I usually look at the balance online, then pay what I can each month. I happened to look at my account and noticed a XXXX fee and a credit protector fee has been being applied each monththe XXXX is almost XXXX per month!! I know for a fact when I opened this card in XXXX I was in college and had little money, but I had it as a backup. I called Citicards today, and they apologized for saying they could reverse a few of the credit protector fees, but that I had to call a different number for XXXX and that they would most likely be able to waive some fees. I called the number, and they said I have been paying on it since XXXX!!! They canceled my account but that was it. I am sure I wouldnt have signed up for anything additional back then, so I am confused how I was auto enrolled. After looking up this company, I see that there have been several people duped over the years by this. I am not expecting a full refund, but I feel they need to do better than just cancel my account. Thats A LOT of money to be forking out over the years, and Ive been a loyal customer since XXXX!. I feel frustrated and taken advantage of. Thank you for your time in looking into this matter, I sincerely appreciate it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date filed XX/XX/XXXX Identification number : XXXX ; XXXX XXXXXXXX .... Balance : {$400.00} ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Date of request XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of request XX/XX/XXXX ; XXXXXXXX XXXX  Date of request XX/XX/XXXX ; XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in to TransUnion to dispute hard inquiries and someone was suppose to call me and never did. I have sued them once for violating FCRA Laws and getting ready to do it again as I've kept evidence. This time I will go through the federal court system with an attorney I consulted with last time.
Product: Bank account or service

My parents took out XXXX life insurance policies many years ago. I did not have any info on these policies. I was contacted by XXXX XXXX, the company the policies were with. They told me that I needed the bank to complete a Release of Collateral Assignment form on each policy so I could take possession of them. The bank that had originally had the collateral assignment was no longer existing. I did a XXXX search to find what bank currently owned the assets of the original bank. Wells Fargo is the current holder of these assets. I have tried repeatedly to get the local branch to complete the forms and they will not. They will not put me in contact with anyone higher up in the company except one man who has done nothing to help. They say that they have no way of contacting their corporate office. They say they can not ask anyone at the regional office other than to put me in contact with the one man who has done nothing. They say that since the branch is a retail branch, they have no authority to help me. I offered to show them my documentation proving Wells Fargo bought the bank that had these accounts, but they did not want to see. They would only look back 7 years on their computers and say they could n't find the accounts. When I told them the accounts would have been bought a lot longer ago, they claimed that they had no records of assets further back than 7 years. ( As they are a bank, I did challenge them on this, to no avail. ) I need to have these accounts and in order to do that, Wells Fargo must complete and sign the Release. of Collateral Assignment on each of these XXXX policies. 
The policies are all from XXXX XXXX and the policy numbers are:XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a Kohls store credit card at the store on XX/XX/2019. There was a snafu in keying in annual income, so the store personnel had me repeat the application process, and told me the credit issuer would send me an email asking for annual income. We waited several minutes for the email, and it never came. I waited for either an inquiry from Kohls or the credit card itself thinking they may have obtained what they needed. They never came. 

I received two denial letters Sat, XX/XX/2019, and called their customer service # on XX/XX/XXXX and XX/XX/XXXX. I was connected both times to their voicemail, and told to leave my contact information, and to expect a return call. I made these calls during business hours, and havent received a return call. 

One denial letter states the reason Excessive Obligations in relation to income. 
The other denial letter states reasons 1 ) Available credit on open revolving accounts is too low ; 2 ) No usable real estate account ; 3 ) Time since oldest revolving account opened is too recent ; 4 ) No retail revolving accounts with a valid credit amount. 

Kohls letter states my credit score is XXXX. Kohls issues their credit cards through Capital One, N.A. 

I have four credit cards ; the ones I use most frequently are a Venture Capital One Mastercard, currently with a balance of under {$50.00}, and an XXXX Mastercard, issued through XXXX, currently with a XXXX balance. I use the Capital One card frequently, and pay the balance as soon as I receive my merchandise, and have NEVER carried a balance over to the next billing cycle, nor have I paid any interest on a balance. I use the XXXX XXXX XXXX occasionally, and have never carried a balance to the next billing cycle, and have never paid interest on a balance. Im not certain how old these two accounts are, but Im sure its at least 1-2 years or longer. Ive had the same checking account for 35 years and have never bounced a check. 

Our home and cars are paid for. My husband and I owe nothing to anyone. 

Kohls claims they made their decision on information received from XXXX. I requested my XXXX report today. 

I havent been able to resolve this since Kohls hasn't returned my calls. There is no option to wait on the line for the next available representative, as all other companies I deal with do. 

Im concerned this issue will affect my credit score, and concerned that Kohls is not responsive to my requests to resolve the denial issues.
Product: Debt collection

I have constantly told them that this was not only over 4 years ago, but I paid the rent for the two months while I was there and had to move back to XXXX Texas because there was no work there for me during this Covid devastation. They don't care. I accidentally clidked on an incorrect rent portal this past XXXX, XXXX to pay my current rent and found this old place. Every since then, The XXXX collection agency has been thratening me with emails to pay a COVID existed debt when I was let out of my lease in XXXX. I have been in this same apartment since. As a matter of fact, my lease began XX/XX/XXXX and it is currently XX/XX/XXXX.
Product: Student loan

On XXXX I signed up for Auto Debit of my payments and received email confirmation. 
On XXXX I signed up for Auto Debit of my payments and received email confirmation. 
On XXXX I have AGAIN signed up for Auto Debit of my payments and have received email confirmation. 

Their failure to keep an Auto Debit ON has harmed my credit score and is a system failure at the MOST BASIC level of financial services - automatic payments. 

As frequently as this has occurred I would be surprised if others are not impacted as well.
Product: Checking or savings account

XX/XX/XXXXClaim reversal : XXXX XXXX XXXX  XXXX XXXX XXXX NY XX/XX/11 ClaimId : XXXX ( ... XXXX ) ATM transaction {$270.00} {$340.00} The following item was disputed because I paid in advanced for that I no longer be getting. I ask for my money and there should not be any reverse of charges of my was disputed justification I will like my money bank now
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXXXXXX XXXX XXXXXXXX is reporting 12 late payments of 30 days. This is highly incorrect. They are also reporting this account closed when its not even my account. From XX/XX/XXXXXXXX  until XX/XX/XXXXXXXX  they are either reporting this account late or closed. It should be removed. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account number is XXXX. The account was opened XXXX, XXXX. It was an Credit Card. 

The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, XXXX. It was an Auto Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 5 different credit company which i did not know about. 
2.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 2 different credit company which i did not know about. 
3.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 9 different credit company which i did not know about. 
4.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 3 different credit company which i did not know about. 
5.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 2 different credit company which i did not know about. 
6.Hard enquiry were made on my social security in a day by XXXX XXXX on XX/XX/XXXX to 8 different credit company which i did not know about or approve of. 
7.Hard enquiry were made on my social security in day by XXXX XXXX on XX/XX/XXXX to 5 different credit company which i did not know about. 
8.Hard enquiry were made on my social security in day by XXXX XXXX on XX/XX/XXXX to 6 different credit company which i did not know about. 
9. hard enquiry were made on my social security in day by XXXX XXXX on XX/XX/XXXX to 5 different credit company which i did not know about. 
10.hard enquiry were made on my social security in day by XXXX XXXX on XXXX XXXX to 5 different credit company which i did not know about.
Product: Debt collection

I am currently having difficulties with the creditor citizens world. I am a XXXX women on a fixed income and can not keep up with the payments or afford the high-interest charge. I consulted about a Bankruptcy but because i am Judgment proof, the pro bono attorneys won't take me on as a client. This collector continues to send me statements after A cease and desist letter was sent out to them over a month ago. At the moment these letters are causing me lots of stress and impacting my quality of life.

Fair Debt Collection Practices Act, 15 U.S.C. section 805, you are hereby notified to cease and desist all further communication with me in regards to the above-referenced debt.
Product: Credit card or prepaid card

I received a letter of false and misleading information. The letter stating : Activity on accounts with Synchrony bank indicative of high risk of failure to pay. Synchrony bank has decided to close your account. '' SYNCHRONY IS LYING AND Their system does not allow me to pay my credit card over the phone only in the store. Now, since, Synchrony has lye and closed my account under false pretenses.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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.
Product: Mortgage

AGAIN BACK ON XX/XX/XXXX MY WIFE THE MORTGAGE HOLDER PASSED AWAY. SINCE THAT TIME MY SON AND I HAVE BEEN TRYING TO GET THIS MATTER RESOLVED. LAST YEAR MY SON SUFFERED A XXXX  AND FOUND OUT THAT HE WAS XXXX  XXXX   XXXX. THE PROPERTY IN TITLE SINCE IT IS A JOINT TENANCY THAT WAS FILED IN XXXX, XXXX THE PROPERTY IS NOW MINE AND MY SON 'S. THESE XXXX  AT BAYVIEW LOAN SERVICING KEEP TALKING ABOUT PROBATE AND I HAVE ATTACHED A COLORADO LAW TO SHOW THEM THAT THEY MUST HAVE THE BIGGEST BUNCH OF XXXX AS ATTORNEYS WORKING FOR THEM. AS YOU CAN SEE THE PROPERTY PASSES TO ME AND MY SON WITH THE JOINT TENANCY. THERE IS NO NEED FOR PROBATE ACCORDING TO COLORADO LAW. ALL THESE XXXX AT BAYVIEW IS SAYING IT NEEDS TO BE PROBATE. XXXX  XXXX. ALSO MY SON WHO LOST HIS JOB DUE TO THE XXXX WE GOT A LETTER STATING THAT THE PAYMENTS WERE SUSPENDED THROUGH XX/XX/XXXX. I THEN ASKED FOR THE PAYMENTS TO HAVE A 180 DAYS SUSPENSION TO THE NEW CARES ACT AND A XXXX XXXX FROM BAYVIEW STATED THAT DOES NOT APPLY. ANOTHER BREAKING THE LAW. SINCE XX/XX/XXXX XXXX XXXX HAS SENT AN EMAIL STATING THAT XXXX XXXX AUTHORIZATION TO SPEAK TO ME ABOUT THE LOAN BUT STATES THAT SHE CAN NOT OR BAYVIEW CAN NOT DUE ANYTHING. SINCE I FILED A COMPLAINT ON CONSUMER AFFAIRS I HAVE GOTTEN OVER 1500 HITS AND HAVE ATTORNEYS CALLING ME WANTING TO HELP ME AND XXXX  IT  TO BAYVIEW. THE PEOPLE AT XXXX XXXX  XXXX  AS WELL AS XXXX XXXX OF MONTANA WHO TOOK BAYVIEW FOR XXXX HAVE OFFERED OPINIONS AND OTHERS. ANOTHER COPY FROM A COLORADO LAW BOOK AND THE COPY OF THE TITLE SEARCH WHICH BAYVIEW DID IS ENCLOSED. I SUGGEST THAT THIS MATTER IS RESOLVED TO MY LIKING BY XX/XX/XXXX OR CIVIL AND CRIMINAL ACTIONS ON MY BEHALF WILL BE FILED BY ATTORNEYS THAT ARE WILLING TO REPRESENT ME FOR FREE. THIS XXXX HAS GONE ON LONG ENOUGH AND SINCE BAYVIEW IS TAKING FEDERAL MONEY MAYBE AGAIN THE FEDSD SHOULD SHUT IT DOWN. THANK YOU. 

XXXX XXXX XXXX.
Product: Debt collection

Numerous calls from various agents of this company, weekly, for the past 3 years to my place of employment. I have told them repeatedly that they were not allowed to continually call and they were not allowed to give messages to my coworkers and subordinates, yet they continue to do so. Today, they left another message with one of my subordinates and I decided to file a complaint because it seems to me that they are seeking to embarrass me at my place of employment. The company is FH Cann & Associates. The number they are calling from is usually XXXX. But they have called from other numbers.
Product: Credit reporting or other personal consumer reports

Please see attachments that are included in this complaint. My rights as a protected consumer under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are still being violated with request from each credit reporting agency ( XXXX, Equifax, XXXX ) to provide precise documentation on how these accounts were verified. Understanding my rights as a consumer, The accounts specified in this complaint are now considered a certificate of indebtedness per the XXXX  and income can not be reported. The XXXX  Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! The reporting of these accounts as a debt is inaccurate and MUST be deleted.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their problem, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

Complaint being reinstated since American Education Services ( AES ) does not believe the information I have provided. I am including an example of their customer service representatives interaction. I believe that AES is basically calling me a liar since they denied all the information I detailed in my complaint. 

I have been removed from American Education Services ( AES ) borrower benefit program ( BBP ) that reduces interest rates by 1 % after 36 months of on time full payments unfairly and due to AES steerring me away from their automatic direct debit payment program. I was removed from the program due to a payment that was a few weeks late and a payment that was {$94.00} short of the payment since I was looking at an old bill. Had I been enrolled in their automatic debit payment program like I wanted to I would not have missed these payments. I was steered away from their automatic debit payments due to incorrect and misleading information. It is my belief that AES will not let customers that are trying to get into their BBP set up automatic debit payments since this will make it mush easier for them to qualify for lower interest rate. I was told in XX/XX/XXXXthat I could not set up automatic direct debit program to pay more than the minimum payment. I wanted to pay more to pay my loans off sooner so I did not set up automatic direct debit payments at that time. I again questioned automatic direct debit payments on XX/XX/XXXX and was told that " Unfortunately the lender does not allow a paid ahead status '' and I could only make minimum payments using automatic direct debit payments and would have to send two bills to make extra or over payments. Since then I have found out that I can pay any amount over the minimum payment. AES continually gave me incorrect and misleading information. I have e-mailed AES customer service over 6 times the past 3 months with out any reply or a response about the incorrect information I was given. The continue to not take responsibility for their actions in this circumstance and have denied my request to honor the 1 % interest rate reduction I should be qualified for since XX/XX/XXXXthat has resulted in 10 years of AES collecting higher interest rates from me unfairly.