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

On XX/XX/2019, I tried to purchase a vehicle but was told that I needed to unfreeze my Experian report. I called Experian on Monday, I have spent 3hrs holding on the phone, I have been passed around, and still my credit report remains frozen. I moved states for a new job and I can not open a new bank account or a buy a car because Experian is awful. I had no issues with XXXX or XXXX, at this point I feel as if my credit report is being held hostage and I deeply regret ever freezing my experian credit report.
Product: Checking or savings account

On XXXX XXXX I received a fraud alert text from regions bank asking did I authorize {$2300.00} XXXX responded and said no they replied and informed me they were canceling my card and sending me out new one. I tried contacting the bank but was closed. I was able to interact with online banking they responded it was nothing I can do because the transaction was pending. On the next day I went into the branch office in XXXX XXXX the representative and I looked over my account it was two charges that I didn't authorize. He informed me that It was nothing I can do until the trasactions post. He asked me had I been to New York because it was a hotel trasaction. I told him no and asked what will happen now. He told me it may just fall off and it will be nothing I have to do. A claim will be filed if it post. He gave me a new card and I gave him my old card .I then asked if I should close the account and get a new one. He told me no. I asked should I go to the police station he told me no if I didn't know who did this. 
I checked several days to check to see if the trasactions had posted about 4 days later it did post I then called the bank asking what is going to be done. They told me it will take up to 10 days before I get a response. I called the bank every day and no one could help me. I contacted the branch and talk to the exact representative that helped me when I went into the branch. He asked me had anyone contacted me I told him no. He told me they denied my claim because the trasactions had my CVV and my 4 digit pin was used. I told him I had not been to New York and I didn't give my pin to No one but the bank and was it the bank that did this to me. He replied it was nothing I can do I asked to speak to the manager of the bank. He told me he would call me back on his conversation he told me the exact same thing I told him it was fraudulent activity and I told them and they still claimed it was me I then spoke to several bank workers including the manager of the claim department they told me I lost my money and it was nothing I can do about. I have since been to the police department to make a report. I asked and called the cooperate office they told me the representatives and the bank manager gave me wrong information that my pin was not used but the CVV was used and XXXX said because that was used it was my trasactions. I told them it was fraud they told me it was not. They didn't have information that was correct in where my money went.
Product: Credit reporting or other personal consumer reports

My identity was stolen when I was XXXX XXXX XXXX  in XXXX to XXXX. The XXXX XXXX  says the will mail my wallet to my address with my ID, social security, bank debit cards, business credit card, and debit card and my personal credit card all was in my wallet. I nerve received it
Product: Checking or savings account

Been getting charged for years {$10.00} fees every month they list everything from having {$350.00} into the account to avoid the fee to having associated withdrawals of amount of more than 10 transactions per month which I fall one of those and I still get charged the fee of dollars a month for the account.
Product: Debt collection

Ad Astra company continues to call my phone number about this debt and I have no idea wheres it is from. If it is a payday loan collection, the loan was paid directly to the company. I even hired XXXX XXXX XXXX to help me minimize my debt and Ad Astra rejected their attempts to resolve this alleged debt. This company is on my credit report, harassing me, and not complying with efforts to resolve the issue.
Product: Student loan

I was looking to consolidate my loans, and I found a company 's number that I thought was related to my loan servicer XXXX XXXX. The company promised that if I paid {$400.00} to have my loans consolidated than I would n't have interest for three years and after this three years, the government would subsidize half of the interest amount. I spoke with three different people from this company ( Nationwide Document Preparation ) and they all confirmed this. I inquired why consolidating cost this much money, because I usually thought it was free, and all three employees insisted this {$400.00} was to ensure that I would n't have interest for the first three years after consolidation. They knew my income and also assured me that with these interest-free years, they advise people making a certain amount of money to try and pay off the loans in their entirety during this time to avoid paying any interest later. Conversations with this company began mid-XX/XX/XXXX. I have an email from XX/XX/XXXX where I gave Nationwide my pay stubs and other information in order to fill out these forms. Once my loans were consolidated and transferred to XXXX, I noticed interest building and became concerned. I tried to call Nationwide Document Preparation and all of their phone lines had become disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I called Moneylion to make an payment on an account. The representative told me it would be deleted within 30 days of receiving my payment. That was the agreement verbally over the phone. Those calls are also recorded and monitored. I demand that it be deleted off my credit report. Account was paid as agreed.

Not only is it still on the report its still reporting derogatory status with a comment it was paid after discharge. I have called twice since the initial conversation and was told 1 out of those two conversations that it would be deleted.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person with a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX - XX/XX/year> - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX - XX/XX/year> - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX  - XXXX - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XXXXXXXX - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!
Product: Credit reporting or other personal consumer reports

XX/XX/ Inquiries that fall under permissible use 15 USC 1681b
Product: Debt collection

XXXX XXXX XXXX sent an email stating I owed them over {$2400.00} for a XXXX XXXX  Account that I had in 2003. They were a third party service hired by Cavalry SPV, LLC to collect a debt. I paid this debt to Calvary for more than the asked for amount, which satisfied the debt. It was only {$200.00} and I paid {$250.00}. The issue is that XXXX XXXX XXXX will not stop harassing me. They have lied to me and told me that I still owe them {$1800.00}, although the original debt was paid, which I knew was false. I want to take some type of action against them, I have already sent a cease and desist demand request through their website. I contacted Calvary and they had no idea the service they hired is lying to debtors and telling them they owe a debt that has been paid. I offered to send the confirmation of settlement to XXXX, but they refused to take it.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has now reported to XXXX and Equifax fraudulent late payments violating the FCRA. I returned my lease on XX/XX/XXXX and they recorded I was late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments when I have called and confirmed with XXXX that my lease obligations were fulfilled in full when I turned in my car. As I said, both bureaus now show these fraudulent payments and also are missing many on time payments. They have not responded to my disputes and cleared these payments and have wanton disregard for accurately reporting payments as required by the FCRA. These are clear violations of the FCRA and I demand they be removed immediately. 

I have attached your own statement showing that I was not late in XXXX, XXXX, or XXXX and the reports from XXXX and Equifax showing you reporting that I was late in those months as well as your response to my dispute showing I was late in those months.
Product: Mortgage

Last year during Texas winter freeze my house suffered significant damage due to 3 pipes bursting. My insurance company issued a check for over {$81000.00} for damages to home. 
Check was then sent to Loancare LLC, they stated i needed to find a contractor to fix home as they will be disbursing the checks. Our contractor was given a first check of {$40000.00} which was half of the quote. As Loancare LLC inspected the house they stated I was at 38 %, the contractor was informed that they will not be receiving any more checks due to not being at 50 % of work. Construction workers showed up to my house and they camera caught them stealing the materials ( sheetrock and lumber ) as well taking prostitues and having parties in my home. When confronted the contracted and workers never came back to work. As i contacted Loancare they specified there was nothing I could do at this point but buy the materials and pay out of pocket and they would reimburse me. I would no longer be able to hire a contractor as there is not much money left. I had to hire handypersons to work on plumbing, painting, siding and tile work. I have been paying out of pocket and have had trouble for this company reimbursing me back. The check released afterwards I had to make multiple phone calls and was told to pay everything out of pocket and when house is complete they could reimburse me. I don't have extra money on my bank account much less {$40000.00}, this past month i was late on my mortgage as it reflected on my credit report because this company took over 6 weeks to send me my check back. I have some outstanding receipts that they have not paid me and have been very clear that this is money that was given to me from my insurance company. I don't believe what they are doing is right, I am unable to pay for home repairs as well as mortgage at the same time. They lied to me stating they would reimburse once I paid the handyman as well as material and now they are backing out and they still have money that the insurance sent.
Product: Mortgage

We have a mortgage with SunTrust mortgage. We set up an escrow account for insurance and taxes. Suntrust paid our property taxes but failed to pay our hazard insurance. we had a claim for XXXX in process so now we can not get a company to cover us, So now we can not get coverage of our choice. we are forced to accept citizens and had to pay a XXXX point inspection of {$120.00} + in 5 years we will need to get rewired and a new panel to pass inspection
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear of neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. I have sent tons of dispute letters and complaints alongside my FTC report but you there at Equifax are so firm with what youre doing, and thats disregarding my complaint. Is it that hard to understand where Im coming from? Common! This is not rocket science! Please comply with the law and DELETE the account right away. 

XXXX  XXXX XXXX
Product: Debt collection

This company trying to collect on debt that I have no knowledge of and I never done business with this company XXXX XX/XX/2023 I asked to provide me proof that I have done business with the company copy of contract and social security number and date of birth copy of picture Id.
Product: Checking or savings account

I called on XX/XX/XXXX where XXXX of XXXX were refunded. They stated that they can only refund up to XXXX per year so until next XX/XX/year> is when I would be alloted XXXX more. 
I called on XX/XX/XXXX where they refused to refund the XXXX overdraft charges. 
I am not opted into debit protection or overdraft protection and yet they allowed the charges to go through and make me pay an overdraft fee. 

This problem is with JPMorgan Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a le/tter out XX/XX/2020 with no reponse now by law it states the bureaus have 30 to respond and if not it must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is falsely reporting on my credit a loan. I have no such loan and it is causing my credit harm to have this information on my account. I demand that it be removed from my report. No such agreement between exists between myself and XXXX. The CFPB also states that a retail installment contract is NOT A LOAN making this reporting false and misleading even if one did exist. I am in a title holding state in which if there was a lien holder, I would not have possession of my title. I am in possession of my title and it states it is free and clear of any liens. I also have signed contracts endorsed " without recourse '' in which XXXX recognized and overnighted my titles which was received XX/XX/XXXX. Any deal XXXX made with XXXX after my endorsement has nothing to do with me. UCC 3-415 " ( b ) If an indorsement states that it is made " without recourse '' or otherwise disclaims liability of the indorser, the indorser is not liable under subsection ( a ) to pay the instrument. '' -- Experian is civilly liable for the damages to my credit for reporting without the proper verification. 15 USC 1681n for willful non compliance should they continue to report but most certainly for negligent non compliance under 15 USC 1681o--
Product: Checking or savings account

From XXXX XXXX XXXX XXXX XXXX  I have been charged overdraft fees while I was actively covered by the overdraft protection plan service ( OPPS )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and EQUIFAX have been knowingly and wilfully ignoring my Fraud Dispute Letters demonstrating inconsistencies with three bureau accuracy and affidavits in support. 15 U.S. Code 1611- Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. ( Pub. L. 90321, title I, 112,XX/XX/XXXX, 82 Stat. 151 ; Pub. L. 111203, title X, 1100A ( 2 ), XX/XX/XXXX124 Stat. 2107. ) 15 U.S.

Code 1681n - ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Debt collection

I sent a affidavit to WEBCOLLEX , LLC DBA CKS F telling them i would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : Validation of the debt ( an audit trail in accordance with GAAP accounting principals ) ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that the amounts of debt that lowered my credit score was done unfairly and was done too aggressively for the amount I owe.
Product: Debt collection

This company states that I owe money for an account and I am not familiar with business NOR do I owe any money.
Product: Credit card or prepaid card

I am disputing the balance of XXXX on my XXXX credit card acct. Balance is very high and I have found multiple errors on my last billing statement alone, to be very concerned about the handling of my acct, to date. I have sent in overpayments on purchases too and no one seems to " know '' where money went. 
XXXX XXXX XXXX creadit card .... REFUSES to address my overcharges of items and added postage on my XXXX charge account. Company continues to give the EXCUSE " we can not see what original charges and they WILL NOT send me a representative name and a fax number, so I CAN SENT THEM A COPY of my account history, to review charges for errors on my acct. It is very clear that there has been mismanagement of my account over months now. 
I am disputing the account balance with XXXX customer ser. and bank, both companies are not working with me to address my over charges and both companies have been reported to the Better Business Bureau. 
** I am still waiting for a final response from Better Business Bureau Florida on XXXX customer service with their companies final response as to what they are willing to do to help me resolve this issue. 
** '' I just want to pay this card off and get these companies out if my life. I however will not continue to pay in an acct, that I am getting over charges on. 
***history OF ATTEMPTS to resolve attached.
Product: Credit reporting or other personal consumer reports

I recently removed my credit report and noticed an account that was reporting inaccurately. I have 1, 30 day late payment on my XXXX XXXX XXXX XXXXXXXX, XX/XX/year> that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.