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

Dear CFPB : I am writing to complain about EQUIFAX 's failure to resolve a simple dispute about XXXX account. Dispute resolution does not mean contacting the offending party and wholeheartedly concluding their erroneous position prevails over reason and rationality. This is what EQUIFAX 's dispute resolution is all about. All t they do is contact the breaching party that is responsible for the mischief, and upon hearing from them, take their position as sacred and conclusive. There is nothing conclusory or sacred about misrepresentation. Evidence shows that the other XXXX major credit bureaus, XXXX and XXXX, concluded that XXXX is the breaching party. Both XXXX and XXXX Bureaus have expunged XXXX account more XXXX   months ago because of misrepresentation. There is a reason why XXXX and XXXX have reached such a correct decision to expunge XXXX. EQUIFAX, however, knowingly and purposely tries to evade, deflect, harass and use red herrings in fulfilling its duty under the law to resolve disputes. EQUIFAX is exceedingly stubborn about resolving this issue. It stonewalled and roadblocked every legitimate dispute that I submitted to them. They decided to ignore my CFPB complaint. Their conclusion is nothing short of frivolous assertions of trickery and waste of time. I denounce these games in the strongest terms. In the latest incident, they added more negative information on my credit report. This is unlawful conduct. EQUIFAX has a legal duty to investigate disputes and resolves them before smearing someones reputation Here, EQUIFAX fails to resolve the dispute, which amounts to defamation. EQUIFAX did not do its job in resolving the XXXX listing in line with XXXX and XXXX. I did not ask EQUIFAX a favor. I am asking EQUIFAX to be consistent with XXXX and EXPERIAN. This flaw that my EQUIFAX XXXX Scores to be lower than those of XXXX and XXXX by at least XXXX points. I ask the CFPB to enforce the United States Commercial Laws against EQUIFAX, which chooses to evade, deflect, harass, XXXX and employ red herrings. I also call EQUIFAX to be neutral when disputes arise. Do not call XXXX for me and copy their erroneous data supply. You can not be vested heavily in one side of the disputing parties. Neutrality is a paramount requirement for every dispute resolution. This is unacceptable under the United States Commercial, Securities, and Reporting Laws. In conclusion, EQUIFAX is in flagrant violation of the United States Consumer Protection, Fair Competition and Civil Rights Laws. I ask the CFPB to enforce the United States Commercial Laws against EQUIFAX, which chooses to evade, deflect, harass, XXXX and employ red herrings.
Product: Credit reporting or other personal consumer reports

I was shocked this morning to find incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, there were unexplained discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Im extremely frustrated and need the documents Ive sent to be thoroughly reviewed so I can stop worrying about this happening again.
Product: Checking or savings account

I want a check sent to my address on the account. I don't want to talk to them anymore. The whole thing is complicated and they make it that way. But when someone steals money they don't go through none of this because they have their ways. I don't have " their ways '' as I am a honest person. A person who had a XXXX and will get a XXXX talking to them. Making me seem combative. They called me while I was sleep and then another while I was busy. This is too complicated and they'd probably try and talk me out of it or tell me I can't and waist my time once again. I don't want to do business with this company anymore. I was DONE with them when this happened. It's just a a wonder for me that they sent me like " XXXX '' cents ( not the amount but it was a small amount ) and decided to just keep the rest in the account and just lock me out. That's insane. I have the login to the account and check it every other 2 months. It has the full amount in there with literal dollars piling up on top of it due to their system detecting the money is there. It shouldn't and I don't want to do business with Capitol One 360 again. Just send me my check and this will be over. This happened about a year ago. This is thievery at the corporate level. Sorry but im not a person that will take this. Yeah, because of my XXXX it took a while for me to get here. But XXXXm here now and im not taking any of their stuff anymore. Sorry Capitol One 360 but XXXX XXXX XXXX, won't be a victim. I want the check sent to the house on the account and that's it. I don't want to talk to them or anything. They'd probably steal some of the money. I'm not stupid. So to clarify. The bank is Capitol One 360 and their holding my money hostage.
Product: Debt collection

I don't even know what this is for. I haven't lived at this address in over 3 years. I believe this is identify theft. I've contacted this company and informed them of this. They still call, text and harass me every other day.
Product: Credit reporting, credit repair services, or other personal consumer reports

My apartment was looted and flooded. Cards and I D taken and fraudently charged my cards. I submitted DC police report XXXX. XXXX XXXX Bank allowed fraudulent charges and owes me over XXXX for fraud.
Product: Credit reporting or other personal consumer reports

Reporting inaccurate hard inquiries on my report without consent. I did not signed any application for an account or to obtain any product. These hard inquiries are unauthorized and invalid. They are not validated here are the inquiries, 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 have previously contacted XXXX, Transunion, and XXXX on my behalf through certified mail and requested that all credit inquiries not linked to an active account be deleted from my profile because i do not recognize them and nor did i authorize them. Per consumer law they are not to furnish any information on my credit report without my prior consent, which i did not give.
Product: Debt collection

Date of Correspondence : XX/XX/year> Sender : XXXX XXXX XXXX Recipient : Peter Roberts & Associates , Inc. ( Collection Agency ) Method of Sending : Certified Mail Details of the Matter : On XX/XX/year>, I sent a letter to Peter Roberts & Associates , Inc. requesting validation of my debts as per my rights under the Fair Debt Collection Practices Act. As of today, XX/XX/year>, I have yet to receive any response or validation regarding these debts. 

In addition, I have noticed that the collection agency has reported this debt to the credit agency, which has negatively impacted my credit score. 

I will attach a copy of the certified mail that i sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters as CFPB complaint requesting that the Credit Bureaus reinvestigate the disputed items from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my request. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/202XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX I Submitted a complaint to the CPFB- XXXX. On XXXX Transunion stated they would look into my compliant and will contact me within 30 days with a resolution. We're approaching 60 days with no response or resolution.
Product: Money transfer, virtual currency, or money service

My Robinhood account was closed, this is arguable as I started using it recently after getting back into options and crypto trading. They did not give me a chance to explain or refute the outcome, this was not the reason of this complaint. The reason was that when closing my account, it had a total balance of XXXX, the amount that was sent back was XXXX, my account now says it has been closed and shows nothing under the balance when there is still XXXX that Robinhood has taken and is no longer showing.
Product: Credit card

Citi cards charged me the balance transfer fee twice. They promised to reverse the fee charged in error of {$400.00} and never did. I had to keep calling them and the fee is still not credited back
Product: Credit reporting or other personal consumer reports

PLESEE VERIFY THESE ACCONTS, BECAUSE THE INFORMATION ON THESE ACCOUNTS IS INCORRECT *XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IS NOT MINE, REMOVE XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DELETE THESE INQUIRIES DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sold ether tokens valued at XXXX dollars total it was suppose to deposit to my account instantantly it did not this was XXXX XXXX i 've called 3 times since its almost the XXXX of XXXX and this has not been resolved because my money was tied up i missed out on a XXXX dollar profit. when you use their email service it removes you from the que and puts you at the back of the line anytime you inquire about the status of your case. they dont give you a timeline for the problem to be resolved and depending on what button you push when you call it may instantly hang up on you
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have a security freeze placed on my credit file. I have some issues with my information being used without my knowledge and consent. XXXX XXXX XXXX SS XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  OH XXXX is my current and only address, please remove/delete the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX LOT XXXX, XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with Federal Law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I made 2 final payments, one was XXXX and one was XXXX. Website states in loan description I would have my money 10-14 days, they changed the quoted time frame with no notice to 14-20 days.
Product: Checking or savings account

CashAPP, I tried to purchase a XXXX Tree, I sent proof that I tried to contact the provider, and I never received it. I was scammed out of {$80.00} then Cash APP tried to prevent me from accessing my account I fixed it and I have screen shots and emails to prove all of this, and I used their chat
Product: Vehicle loan or lease

In XX/XX/XXXX, I decided to trade my XXXX XXXX for a XXXX XXXX XXXX pickup. 
I was originally financed with XXXX XXXX XXXX XXXX, later this same year XXXX XXXX XXXX took over all accounts from reliable and purchased this company. The jeep is still open on XXXX, and the XXXX is too so it appears I have over {$100000.00} in loans. 
XXXX  Shows incorrect reporting and balance of loan also shows late payment but this was because a bank employee wrote the incorrect routing number when I was hospitalized in XX/XX/XXXX-XX/XX/XXXX.  XXXX  shows in the {$60000.00} in loans. 
XXXX  Is double reporting for the same vehicle and is not showing payment history correct. MY Balance of loans are Shown as {$110000.00} It shows Reliable as well as popular leasing MY LOAN IS WITH BANCO POPULAR AUTO! I have one care loan and the balance is {$46000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for XXXX XXXX associates to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.
Product: Credit card

On XX/XX/year> I called a number listed as a " US number for XXXX XXXX XXXX '' and spoke to a lady who told me her name was XXXX XXXX, that she was with the " Consolidation Dept '' with XXXX XXXX XXXXXXXX. I was calling XXXX XXXX  to rebook a flight from XXXX XXXX to XX/XX/XXXX or XXXX. XXXX XXXX assured me she could help but the amount of the ticket would be {$9600.00}!! She explained that THE ENTIRE AMOUNT would be refunded to me within 40 days. In actuality, I was charged {$8800.00} because she gave me credit ( approximately {$1400.00} ) for the return ticket I had already purchased.

When the 40 days elapsed I noticed that the refund did not occur and I called XXXX XXXX. She told me " the third party companies who do the ticketing declined my refunds. '' I knew this was another lie and when I researched the company I discovered they are on a list of scammers and go by a couple of names : XXXX  and XXXX They also have several numbers, all of which have been flagged : XXXX XXXX XXXX XXXX XXXX. ( XXXXXXXX XXXX  direct line ) I have spoken to Citibank numerous times and they have rejected my claim and maintain, that, despite this company being a major scammer and charging me an exorbitant amount, I am solely responsible for the charges and interest. 

I am retired and on a very limited income. The amount of these charges, with interest, will be over {$10000.00} and I can not afford to repay them. The company that scammed me has been flagged by the XXXX XXXX XXXX and scamming agencies as well as many consumers, like myself, who got " taken '' thinking we were carrying out a bonafide business transaction ; instead, we were dealing with on airline impersonator!! 

In addition to sending letters to my credit card company, I have filed a complaint with the FTC and XXXX XXXX XXXX. 

Thank you for your time. 

XXXX XXXX
Product: Checking or savings account

My account went into overdraft for an XXXX XXXX  charge, a charge that I deposited into my account. As I was in negative because of an overdraft fee Wells Fargo placed on me, a recurring payment of XXXX XXXX  debited my account. My account was then about XXXX dollars negative. XXXX of which came from an initial overdraft fee I was trying to get reversed. While this charge debited my account, the same day the charge was refunded to Wells Fargo bank. I recieved a notice which I am attaching below that had I not brung my account to positive I would be charged another overdraft fee. I called Wells Fargo and explained to them that the charge from XXXX XXXX had already been refunded to them, and asked how could I get an overdraft fee from a charge that they already recieved their money back from. The Representative told me I was correct the money did refund but I would still be charged an overdraft fee of XXXX dollars if I dont pay my initial overdraft fee. I asked her again how can I be charged an overdraft FEE FOR A CHARGE THEY RECIEVED THEIR MONEY BACK FOR. I did not pay the overdraft fee and they charged my account another XXXX dollar fee for a transaction they recieved their money back for. I am attaching images of the charge that debited being refunded back to Wells Fargo. The message they sent me stating I would get an over draft fee, and the trasaction in which I recieved an overdraft fee from. I have already made a complain to the occ about my initial overdraft charge and will be making two more as I have incurred about XXXX now in overdraft fees from 2 transactions that we refunded to Wells Fargo bank
Product: Vehicle loan or lease

On XX/XX/2019 I scheduled a one time payment with Nissan Finance to pay my auto lease. I looked at my bank account on XX/XX/2019, and noticed Nissan Finance took out two payments one was with my authorization one wasn't. I contacted Nissan Finance and explained the situation to them and they stated I had to provide bank statements proving the funds were taken twice which I have no problem doing however, I did not give Nissan authorization to take two payments and was never notified of a 2nd payment that was scheduled. I tried to explain to the chat rep and the customer service rep that Nissan did not have permission and they kept stating that I have to wait 21 days and i'll get a refund in 5-7 business days after the fact. To me this is absurd it was Nissans mistake by taking an unauthorized payment. If Nissan is saying I scheduled two payments I would like proof of this they must have analytics they run in the background to prove I clicked the " authorize payment '' button.
Product: Credit card

On the morning of XX/XX/year>, I visited a XXXX XXXX XXXX retail store. I was fitted for aligners and offered financing through Healthcare Finance Direct 's XXXX XXXX XXXX 

The agreement was that XXXX XXXX XXXX was to provide all the aligners, retainers, doctor ( Online ) supervision and a lifetime warranty. XX/XX/year>, I received an email stating that my aligners were on the way and would arrive by XX/XX/year>. 

XX/XX/XXXX came and went, and I did not receive anything. I attempted to call and email but was met with a message that stated that they have shut down operations. Next I contacted Healthcare Finance Direct and advised them that I never received my package although I did receive an email confirmation that XXXX XXXX XXXX sent a package. Healthcare Finance Direct stated that I would be responsible for payment since XXXX XXXX XXXX did send the aligners which I never received. When I heard this, I told them that even if they did send aligners, the agreement was for aligners, retainers, doctor supervision ( online ) and a lifetime warranty. Since I was not receiving any of this, I was not going to pay due to a breech in contract. ( I have included emails where they make claims that I would have doctor directed care and supervision every step of the way. ) They stated that they understood my frustration and would not be sending these types of accounts to collections. However, I recently received a " Final Notice '' to pay, and they have threated to send my account to collections. 

The fact that XXXX XXXX XXXX was still selling aligners to unsuspecting consumers and Healthcare Finance Direct 's willingness to finance them amidst a pending bankruptcy is predatory. 

I would like assistance in having Healthcare Finance Direct cease and desist from further collection efforts and to not send my account to collections and harm my credit. 

I appreciate your assistance. 

Kind Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all bureaus regarding these fraudulent accounts and inquiries. This is violation of my consumer rights and the ftc, cfpb. The law prohibits all credit bureaus to report fraudulent accounts. all information must report accurately. This information must be deleted immediately. This has dropped my score XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the below listed account with Chexsytems and asked for validation of this account. Chexsystems has failed to provide proper verification documentation and refuses to further investigate my dispute. I am requesting a proper reinvestigation under FCRA 611. I demand to see verifiable proof ( an original consumer contract with my signature on it ) that Chexsystems has on file for the below listed account. The FCRA requires that accounts be verified through physical verification of the original signed consumer contract. 

Account : XXXX  XXXX XXXX
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX/ {$0.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry on credit report. Unaware of company.
Product: Money transfer, virtual currency, or money service

I am writing to formally express My concerns regarding XXXX 's handling of disputes particularly in light of the recent CFP b lawsuit highlighting significant issues with the platform despite using XXXX numerous times and reporting discrepancies my financial institution and XXXX failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible the CFP b 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX complaint XXXX was submitted through CFPB for 1 unauthorized inquiry from XXXX/XXXX  from dates : XX/XX/XXXX, with Transunion. XXXX kindly answered that was going to it off, on the answer to CFPB. The Credit Agency neglect to take the inquiry off, even showing the answer from the Bank, and answer me that the Bank needs to take them off. Please act according to the answer submitted to CFPB, on your previous answer
Product: Credit reporting, credit repair services, or other personal consumer reports

( SEE ATTACHED LETTER PROOF FROM CREDITOR PF FRAUDULENT INQUIRES ) TRANSUNION CONTINUES WILLFUL NON COMPLIANCE AND ASSISTING IN FRAUD AND DEFAMATION OF CHARACTER WILL USE THIS AS PROOF FOR LEGAL ACTIONS.