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

On XX/XX/XXXX of 2022 I pulled my credit report for the purpose of purchasing a home and noticed several incorrect, damaging and inaccurate accounts and other data throughout my Experian report the company holds under my social security number. Not only was I not aware of this information being reported by law I am aware that legally any information Experian is not able to validate and verify must be removed. I disputed these account and personal information on XX/XX/2022. Accounts with convergent outsourcing, A+loans and credit collection services are all inaccurate as I wrote to Experian to have these accounts removed, the company ( Experian ) simply wrote back that the accounts remained. Experian never verified or validated these accounts with proof of original contracts bearing my signature. I then wrote back to the company in XXXX explaining the laws they had broken and that. the accounts must be deleted. The company once again wrote back that the accounts remained on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Capital One to dispute 2 credit cards that I found on my credit report. I have never opened nor authorized anyone to open a credit card under my SS number for Capital One. It took Capital One over 15 days to get back to me and at that time the supervisor told me that there are 3 cards under my name. Account ending in # XXXX, Account ending in # XXXX, & Account number ending # XXXX. I did file a complaint regarding this with Consmer Protection. A supervisor called me from the Executive office on XX/XX/XXXX to discuss the account. She stated that they find the accounts valid because the cards and the statements were mailed to my place of business. I stressed to her that there are over 500 offices  in my building and whom received the cards. The address that they sent the cards too do not even have my business suite number on the accounts. I have attached a copy of my Illinois Cyber Drive Detailed Report with my correct address on it. They do not have this address on file. They are missing the suite number. This is why I stressed to her numerous times that I did not receive the cards. I also asked her if the charges on the account were reviewed and she said no. She also stated that there were payments being made to the Capital One accounts from 2 checking accounts that do not even belong to me. One was a bank named XXXX and the other was XXXX XXXX. I have never had a checking account with either of the banks listed. They are accepting payments from a fraudulent bank account to pay for the charges ( that does not belong to me ). I asked for proof that these accounts belonged to me and they will not send me any information. I have provided them with a police report that all of my information was stolen and that I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I filed disputes with all three credit bureaus. I have yet to received ANYTHING from them .. This is 100 % unacceptable. Since this was on done XX/XX/XXXXyou cant use the holidays as an excuse. I understand with covid things are slow but this is right. Attached is the first disputes I filed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having significant trouble getting items on my Equifax credit report removed and neither Equifax or XXXX XXXX XXXX are providing me with verification of debt. In the past I have sent request for verification to XXXX XXXX XXXX but did not receive any responsive documents. Furthermore, these items have been disputed with Equifax and Equifax always waits four weeks then marks the information as " verified ''. However, I do not understand how Equifax is verifying the disputed records if the data provider, XXXX XXXX XXXX, can not even provide me with proof of debt or respond to my debt verification inquiries. It may be worth noting that other consumer reporting agencies and financial institutions have already acknowledged the records submitted by XXXX XXXX XXXX to be false. Indeed, XXXX XXXX XXXX have already been removed from other reports because the information could not be verified.
Product: Checking or savings account

On XX/XX/21 a payment was submitted to my XXXX XXXX credit card using my chase account for {$100.00}. XXXX XXXX has not and did not receive the funds. Additionally I was charged an NSF fee for a payment I didnt even submit. When I called chase to dispute the transaction so I could recover the {$100.00}, I was told by XXXX separate chase claims reps, one being an escalation contact that they are unable to dispute the transaction or assist me in any way. When I asked why I would be penalized for some clerical error done on the banks part I was told because I made the payment. Im pretty sure chase is required per XXXX  or XXXX XXXX  that when they make an error they are supposed to rectify once they have been notified. I was essentially just snickered at once I asked what protection as a consumer I had and was told by XXXX, nothing. They offered no solutions and no help and no explanation why there wasnt something in place to assist in the event an ACH payment was misapplied. 

How can I get my XXXX {$100.00} back and the fee back. As a consumer I cant even believe I have to write this. I will be closing my chase accounts very soon as well.
Product: Checking or savings account

I used to used Wells Fargo and was told XXXX thing and then they would charge me about {$7.00} to use an ATM. I took out a payday loan because a family member needed cash. I went any payed off the loan personally but Wells Fargo still charged me so I racked up some huge overdraft fees. I even entered the place of business and explain that don't worry about the next payment I showed him the receipt from money loan and I payed it off. They still charged me and slapped me with fees. 
A few years ago they got in trouble but tried to send me a {$7.00} check for settlement, I wouldn't cash it. The paper with the check stated that I was wrongfully charged and I was getting a {$7.00} settlement along with other people. I didn't cash it because I was not going to accept something that low from the hundreds they cost me over the years of using their services. I ended up closing my bank accounts and went somewhere else because of their incompetence When I made a bank account with them I believe I was told one thing just to get me as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I AM NO LONGER LIABLE TO THOSE DEBTS. 
I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.
Product: Credit card

1. The contractor, XXXX XXXX, XXXX, ( XXXX ) told me they will incorporate my business as a XXXX and ended up only incorporating as a single person XXXX- which has made my tax liability very different, and resulted in severe financial loss. When asked to refund the money for service not done they just avoided all calls and texts. Eventually I told them that I will complain to FTC, thats when they got back saying they were on " sick leave for the past XXXX  months ''. They finally accepted they made an error but are absconding since. 
2. They also charged me for tax guidance and filing service which they haven't given. I keep asking them to be mindful of my money and refund it if they can't help me and they again abscond. I have been chasing them for multiple months now and they just dont reply.

When I asked for refund for clear wrongdoing, they said " they have done nothing wrong '', and " we have already spent the money '' on the false, misleading and wronf service These people have caused me severe monetary loss for 1 ) wrong company structure 2 ) no tax guidance 3 ) no customer service 4 ) absconding when asked for updates I am someone with multiple XXXX XXXX XXXX XXXX XXXX, and I really can't afford to lose {$400.00}. I really really hope the FTC can help me get my money Details - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I tried to get approved for a VA Loan to purchase a house in XXXX XXXX Colorado and was notified that a {$7000.00} loan from XXXX was put out using my information by a former friend XXXX XXXX XXXX. I have no reason to apply for this loan and when the loan was issued I was in XXXX XXXX on Military XXXX. I did not apply for this loan and need it off my credit.
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 platform, 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have filed an FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. 

These fraudulent accounts include : 1. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 
2. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 
3. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 
4. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I still see inaccuracies on my credit report even after the credit bureaus furnished my report without written intructions to be modified. Date opened, last reported, last active and last payments are still inaccurate. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Experian, XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. I did not consent to have any of my reports furnished or modified.
Product: Student loan

I have had issues with Fedloan Servicing since they 've taken over my loans. The company is hard to deal with on a general basis, its more of a chance of getting someone who knows what they 're doing and cares about their job. 

They give inconsistent information for the XXXX XXXX XXXX XXXX program. I 've had trouble certifying my income based repayment plan 3 years in a row, each time they 've incorrectly closed my application saying I did n't send in enough information. All three times they received the information that they requested and needed to render a decision. Two years ago I had issues with it and had to have my bank stop payment to them due to their errors and my payment going way up. 

I worked with them for 3 years on the income based repayment plan and the XXXX program before one of their employees told me that the bulk of my loans did n't qualify. So the bulk of my loans had no qualifying payments, three years of lost payments for forgiveness. I feel like I receive subpar customer service and they have no incentive to provide better service because they 're locked in with the government to administer student loans and the XXXX program.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I signed a contract with XXXX XXXX to repair my credit. In this contract we agreed I was gon na make payments for 30 months and all my accounts were gon na be pay and my credit repair. Is been 5 years since that day where I Made all my payments but the company XXXX XXXX has not yet resolve my credit problems. I tried reaching out to them but they never pick up the line and when they do they never give me a resolution. I would like for my credit to be fixed and all my debt pay off As I was promise in the contract.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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. 


( XXXXXXXX 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

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Id notified XXXX, XXXX and Equifax to reinvestigate these accounts : XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX account XXXX XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. Which is deem inaccurate due to the inaccuracy from the account tenured start date, account date last activity and invalidated outstanding balances. According to statue 15 USC 1681i ( 5 ) accounts with improper data reporting are subject to modifications.

15 U.S.C 1681 section 602 A. states consumers have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : Also states a consumer reporting agency can not furnish a account without the consumer written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of conviction of crimes which antedates the report by more than Seven years.

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 the information provided is inaccurate. 

Also the inaccuracies on these report are not corresponding with appropriate validation under metro 2 compliance. Please review documents to prove this case has regulatory evidence for endorsing truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed a collection account reported on my credit file associated with XXXX XXXX. The account was removed from XXXX XXXX XXXX XXXX  reports, however Equifax refuses to remove the trade line despite repeated challenges. When queried with regard to verification methods, no response/information is ever provided. I additionally challenged a " payment deferred '' remark added by my student loan servicer subsequent to implementation of the CARE Act which negatively impacted my credit scoring. I disputed the remark, as I am under an IBR agreement & did not initiate any deferment actions. Again, XXXX XXXX XXXX XXXX removed the remark, Equifax maintained it as accurate. Lastly, I requested outdated XXXX charge off account be removed. Once again XXXX XXXX XXXX   acquiesced & XXXX maintained the account. My last dispute with Equifax also resulted in 20 point drop of my Equifax credit score. 

Aside from the above mentioned issues, a recent request for a credit limit increase was denied due to the inaccurate information maintained by Equifax. XXXX XXXX specifically referenced information provided by Equifax as having driven the denial. 

Equifax needs to be held accountable for its lack of integrity as it pertains to the individual consumer. For maintaining innaccurate and/or outdated information, & the repercussions unjustly suffered by those committed to maintaining good credit profiles, and/or working diligently to improve credit worthiness.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX of XXXX our hvac gas system, split unit with a/c went out. We called XXXXXXXX XXXX XXXX XXXX because they had merged with XXXX XXXX XXXX XXXX-who we had previously done business with. It was hot ( XXXX ), the service tech XXXX said our old unit could not be repaired. We did an online ( His work tablet ) application for credit line to replace our now broken unit. We were approved @ higher interest rate than quoted, but it was hot, we had no air. So I signed for my husband who is XXXX. The next day XXXX sends two workers, no electrician, no one to clean existing duct work, no team of workers as promised. They arrived 2 hours late, had the wrong unit, had multiple problems and did only a partial In stall, they got air working, did not complete gas portion, left gas line open, they return the next day, to supposedly finish install everything. Took a look under house, said they would not clean duct work, but another team member would, they left. We expressed issue same day @ install & duct cleaning being incomplete. XXXX would not return our calls or respond until a few weeks later, sent install manager back with salesman/ service rep. Said they would take down inside furnace unit & reinstall, as we requested, said they had to order supplies from XXXX XXXX XXXX XXXX  They never came back to reinstall or address cleaning of duct work. Three months later its now cold outside, we turn on heat, it's only blowing cold air. Contacted XXXX to state that gas heat is not working & if they do not return to fix the issue, as done the past 3 months. We would contact local news to investigate. They returned did reinstall from sideways to front facing, but did not clean ducts, they also damaged our gutter @ outside A/C unit, & left screws and debris near my car damage to tires. We contact XXXX @ latest issues, they sent same sales representative back to apologize & a check for {$1000.00}, saying refund. XXXX never addressed our request to clean duct work which was a part of {$10000.00} contract loan amount, they never addressed our issue with breaker box replacement, nor our insurers request for work order, electrical, fuses, breakers, wiring, proof of codes conformity, etc. We also never received paper copies of loan/contract until we requested those in XX/XX/XXXX. We also contacted Service Finance.three or more times to inform of issues with XXXX. SERVICE FINANCE went ahead and funded the loan/paying XXXX  in spite of our complaints of incomplete & unsatisfactory work, creating Consumer Finance Bad confidence loan. We had to begin repaying loan XX/XX/XXXX, without Service ever verifying that the work was completed-which Service stated they would not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize, please delete them and update my personal info
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and permanent deletion of several fraudulent accounts and inquiries on my credit report. I am a victim of a recent data breach, which has resulted in unauthorized accounts and inquiries appearing on my credit file. As per my rights under 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am formally requesting that these items be removed.

Below are the details of the fraudulent accounts and inquiries : Fraudulent Accounts XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$640.00} XXXX XXXX XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$68.00} XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$450.00} XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$66.00} XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$420.00} XXXX XXXX  - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$11000.00} Unauthorized Inquiries XXXX  - Inquiry Date : XX/XX/XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXXXXXX XXXX - Inquiry Date : XX/XX/XXXX