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

On XX/XX/20 I went to Transunion 's website to get a free credit score report. I only realized later that I had unwillingly signed up for a monthly fee for service. Nowhere on the website did it say I would be charged a monthly fee to receive my credit score.
Product: Credit card or prepaid card

My issue is with Portfolio Recovery Associates, a dent collector that paid pennies on the dollar for a debt previously owned by XXXX XXXX acct # XXXX. In multiple attempts to settle this debt, Ive chatted and called with offers but their unwillingness to work with my offer of 30 % of the debt seems unreasonable. I recently spoke with an operations manager who was rude in explaining their stance. My job was suspended XX/XX/XXXX due to COVID-19, and Ive made attempts that are more than reasonable for this company. Ive made offers to settle 3 current accounts with them to no avail. It seems their statement of caring for their customers is false, as this situation has been a nightmare. Im one of the few that are likely TRYING to resolve this debt with no success.
Product: Credit card

write cfpb complaint about XXXX hidden charges and discover dispute Sure, I can help you draft a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX 's hidden charges and your dispute with Discover. Here 's a template you can use : Subject : Complaint about Hidden Charges by XXXX and Dispute with Discover To Whom It XXXX Concern, I am writing to file a complaint regarding hidden charges by XXXX and an ongoing dispute with Discover regarding unauthorized charges on my account. 

XXXX Complaint : I subscribed to XXXX 's software under the impression that I was signing up for a monthly subscription plan. However, I was unknowingly enrolled in an " annual paid monthly '' plan, which locked me into a year-long commitment. When I attempted to cancel, I was charged a hefty early termination fee that was not clearly disclosed during the sign-up XXXX. Despite my efforts to resolve this issue with XXXX 's customer service, the charges continue to appear on my account. 

Discover Dispute : I have also been experiencing issues with Discover regarding unauthorized charges on my account. Despite notifying Discover of these charges and requesting a dispute, the issue remains unresolved. I have provided all necessary documentation and followed their dispute resolution process, but I have not received a satisfactory response. 

I kindly request your assistance in addressing these issues and ensuring that the hidden charges by XXXX are refunded and that Discover resolves the dispute regarding the unauthorized charges on my account. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH XXXX/EQUIFAX and XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX DO NOT RECOGNIZE THESE INQUIRES AND 3 CREDIT BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis removed a bankruptcy from my credit report with them that was properly handled by means of the FCRA laws. The bankruptcy was deleted on XX/XX/2021. I have the paperwork and have verified the deletion with the LexisNexis customer service ; however, my credit reports have not be updated and it's almost been 60 days, 58 days exactly as of today. They customer center representatives have not been helpful and claimed that they had ; file an additional dispute with another agency which is irrelevant. They claimed that they filed another dispute on XX/XX/2021 and did not properly explain why my credit report was not updated. The bankruptcy is preventing me from getting my student loans, caused me to be denied for several apartments, and period is hurting my credit. I have also provided additional paperwork to LexisNexis that they have not honored. I will included it in the documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. 
According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general -- A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Experian is reporting late payments from ( XXXX XXXXXXXX XXXX, XXXX ) 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave Experian written instructions to report anything to my consumer report, let alone this late payments/utilization.
Product: Checking or savings account

I use my dad card to make it purchase through what I thought was XXXX. The charge was fraudulent and not actually XXXX. I never received any goods from the company nor did the company ever answer their phone or respond. Cash app keeps telling me that the charge is legitimate, and i've proven to them that it's not. They still will not return my money. I tried reporting this fraud before the transaction was even completed but was not allowed to
Product: Checking or savings account

In XXXX of 2016 I signed a contract with XXXX XXXX XXXX XXXX for my account to be automatically drafted {$25.00} a month plus and taxes. I never changed bank accounts or debit cards but some how there was a problem with there system and they did not draft my account for 9 months. In the nine months no one called to inform me my account was pass due. I did not receive a phone call, letter or email informing me of the problem. In XXXX XXXX XXXX XXXX drafted my account for {$240.00} then again another {$200.00} then attempted to charge another {$90.00}. I called XXXX XXXX XXXX and asked to speak with a supervisor and I was informed one would call me the next day due to them leaving @ XXXX. Called a second time the next day still no one would let me speak with a supervisor I left a voicemail asking again for a return call. I then emailed the company still no return call. Posted a statement on there XXXX page someone told me to try to call again and I did. Still no return call. I called bank of America and informed them of what was going on and they submitted a dispute and stopped the payment of {$200.00} and {$90.00}. Then credited me back the {$240.00}. After they got in touch with XXXX XXXX XXXX they are going to reverse the decision stating that I signed a contract. I never was stating that I didnt owe the money since it was an error on there part I wanted to work out some type of payment arrangement to get my account up to date.
Product: Student loan

I started the IBR on XXXX/XXXX/XXXX with Nelnet , Inc. " Under the IBR and Pay As You Earn plans, your calculated monthly payment amount may not cover all of the interest that accrues on your loans each month ( this is called negative amortization ). In this situation, the government will pay the remaining unpaid accrued interest that is due each month on your subsidized loans ( including the subsidized portion of a consolidation loan ) for up to three consecutive years from the date you begin repaying your loans under the IBR or Pay As You Earn plan. '' This has not been happening on my account. My subsidized interest on my loans have been accumulating. No government payments have been applied to my account. My Principal Balance reflects no additional government payments have been applied to my subsidized loans online. I collaborated with -- 1. XXXX XXXX XX/XX/XXXX XXXX -- Discussed loan options and confirmed Nelnet received my recertification for IRB. User put me on hold and never returned. Gave her a negative review ... 

2. XXXX XX/XX/XXXX XXXX Verified Nelnet received my re-certification and told me it will take a week or two in order to process. Discussed the 3 year subsidized interest not being paid on my account. XXXX confirmed the amount suppose to be paid quarterly by the government but Nelnet does not give proof of payments added to accounts. I told him I need to see where the government payments were added to my subsidized interest. The web site does not reflect any government payments applies to my account. XXXX confirmed the payments have been applied quarterly but the web does not reflect this. My account needs to be analyzed and adjusted immediately. It appears the Government has been sending payments to pay for the subsidized interest on my account but the monies have not been applied to my account. I need to see in writing where the government has paid 100 % of my subsidized interest by XX/XX/XXXX. My account does not reflect Any government payments nor does it reflect any Decrease in Accrued interest and Principal Balance. My online account has proven the government payments have not been applied to my subsidized interest.
Product: Mortgage

I continue to receive erroneous Statements regarding payments made, fees and charges being applied by the company. I have submitted a complete list of monthly payments made and questions regarding their lack of response and delivery of necessary information to determine their errors in servicing my account.
Product: Vehicle loan or lease

On XX/XX/XXXX of 2022 someone used my identity to get a loan for a car I want to request the title and my money back as of code 15 us 1635, code 15 us 1605, code 15 us 1662 and code 18 us 1028a in the truth in lending act regulation z 15 USC 6801 15 USC 6802 15 usc 6803 15 usc 1681b 15 usc 1681n 15 usc 1681
Product: Bank account or service

I recently received a letter in the mail stating that my business checking account ending in XXXX & XXXX and savings account ending in XXXX will be frozen within 80 days and closed within 95 days. Upon calling the bank and XXXX for bank of america i got no explanation on why my account is being closed.
Product: Money transfer, virtual currency, or money service

My PayPal account was block on XX/XX/2020, XXXX XXXX and after blocking I was told I will be able to transfer my funds from the account after 180 days. Its more than a year now Ive not been able to transfer my funds. I have {$310.00} in my account, Ive lodged complains on my PayPal account but still not getting solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apple, closed my credit card account didnt disclose any information an sold my information to a third party.. I didnt give consent and also I sent a cease ab desist! Per 15 usc 1692 ( c ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX this account doesn't belong to me. FRAUD. 

XXXX CITIBANK XXXX It's fraud account, should be removed from my report immediately.
Product: Mortgage

- PHH Mortgage services my home morgage and collects tax payments held in exscrow as part of my monthly payment to them. 
- I contacted PHH Mortgage on XX/XX/XXXX by phone regarding a revised property tax bill I was issued by my County tax. Commissioners office. PHH advised me to send a copy of the bill and supporting documentation to them via email at XXXX which I did. later that day, I received an email from PHH acknowledging the tax bill information was received and would be processed. 
- On XX/XX/XXXX, I received a Notice of Intent to Issue FIFA from the tax commissioner 's office, advising the taxes had not been paid and a new balance was due which included penalties and interest. Payment to avoid the tax lien was required by XX/XX/XXXX, at which time the tax owed would be turned over to a third party for collection. 
- On XX/XX/XXXX, I contacted the Tax Commissioner 's Office to confirm the information and then contacted PHH Mortgage to inquire why payment had not been made. I initally spoek to " XXXX '' and later their " Escalation Manager '' " XXXX ''. They requested I send the previous email form XX/XX/XXXX and the Notice if Intent to XXXX which I promptly did. I also sent a copy of the materials to XXXX and XXXX. I again received an acknowledgment that my email with tax information had been received. 
" XXXX '' advised me that the payment would be made by XX/XX/XXXX and he would call me on XX/XX/XXXX with details as to why the payment had not been made. 
- On XX/XX/XXXX I noticed no payment had been made and called the County Tax Commissioner 's office to confirm, which they did. I then contacted PHH Mortgage and spoke to " XXXX '' with ID " XXXX ''. XXXX advised PHH was in touch with the County Tax Commissioner 's Office and a " sub Loan '' was on the parcel and they had ti investigate. I asked what a sub loan was and she advised she did not know. She further advised that their investigation would complete by XX/XX/XXXX ( 2 days after the new payment due date ) and payment would be made by XX/XX/XXXX. I explained that he tax lien would be applied after XX/XX/XXXX and she replied that they would " take care if it and not to worry. '' XXXX also insisted I would receive a call back from " XXXX '', whom I had spoken to last week today, and I have not received his call. I then contacted the Tax Commissioner 's Office back to inquire about the sub loan PHH referenced and was told there was no other loan on my property and they had no record of being contacted by PHH. To prevent a tax lien from being placed on my property and having no faith in PHH Mortgage to meet their fiduciary duty to pay the tax on time, I submitted payment for the tax due plus penalties and interest.
Product: Money transfer, virtual currency, or money service

Good afternoon, I made a money order on XX/XX/XXXX for XXXX euros for the worldremit company, this money order was never received by the right person and after asking so much for the money to be returned without they do not. Call today to ask about this case and although on XX/XX/XXXX they said that they would return it to me, today they tell me that they still do not know what will happen with my money, please I need your collaboration. I pass all the money order data and captures of the conversations that I have had with worldremit by email and the conversations via chat with XXXX, the receiving company. thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX of Late Payment Entries Under FCRA Sections XXXX and XXXX I am writing for the XXXX time to dispute the accuracy of late payment information listed on my credit report. I believe these entries have been reported inaccurately and request a thorough investigation into these matters as stipulated under the Fair Credit Reporting Act, specifically under Sections XXXX and XXXX. 

XXXX XXXX XXXX XXXX XXXX Date of alleged late payments XX/XX/XXXX XX/XX/XXXX The payments were made on time. There was no instance of late payment as reported. 

Under FCRA Section XXXX, I am requesting a re-investigation of the aforementioned entries. Section XXXX requires furnishers of information, like XXXX XXXX XXXX XXXX to provide accurate and verified data to consumer reporting agencies. 

I kindly request that these late payment entries be corrected or removed if found inaccurate. Please complete your investigation within the statutory XXXX period and inform me in writing of the outcome. 

Thank you for your attention to this important matter. I look forward to your prompt response and the resolution of my dispute. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2024 Subject : Dispute of Inaccurate Account Information on My Credit Report Credit Breau I am writing to formally dispute inaccurate account information that is being reported on my credit report. Upon reviewing my credit file, I have identified discrepancies in the account information that do not reflect my financial history accurately. I request a thorough investigation into this matter and the prompt correction of any errors present on my credit report. 

Details of the Inaccurate Account : Creditor Name : Consumer cooperation credit union Account Number:XXXX  Inaccuracy : Its a car loan from Consumer credit union and it do not belong to me and need to be removed immediately. This is causing punitive damage I want to emphasize that the information reported regarding the aforementioned account does not align with my financial records. This discrepancy is concerning as it may negatively impact my creditworthiness and financial opportunities. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request the following actions : Conduct a comprehensive investigation into the accuracy of the account information in question. 
Verify the legitimacy of the reported account and provide documented proof of its accuracy. 
If the information is found to be inaccurate, promptly correct the information on my credit report. 
I expect this matter to be handled with the utmost urgency and accuracy in compliance with the FCRA and other applicable laws and regulations. 

Please provide me with written confirmation of the results of your investigation and any actions taken to rectify the inaccuracies on my credit report. You may reach me at [ Your Phone Number ] or via email at [ Your Email Address ] if you require any further information or documentation regarding this matter. 

Thank you for your prompt attention to this dispute, and I anticipate a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account has been frozen for a month now. I have funds in the account but can not access them. I signed up for another bank and found out Im on early warning systems because of navy federal. My account, even though frozen has no negative balance and has never been negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency Equifax was hacked on XXXX XXXX, 2017, affecting 143 million credit users in its database. This was not made public until XXXX XXXX, 2017. I believe I was affected because, over the labor day holiday, I was contacted by the provider of my XXXX XXXX card, alerting me to potentially fraudulent purchases totalling more than {$200.00}. At the time, the Equifax hack details were not known and so I was at a loss to figure out how my card was compromised. The card was always in my possession, had only been used at reputable retailers and both my wife and I use wallets that secure against electronic " skimming. '' When I contacted my card provider yesterday they said they would not be informed by Equifax whether or not their breach had anything to do with my information being compromised, but that the card provider thought it likely.
By way of remedy, Equifax has offered only a free monitoring service for one year, run by them. Signing up for this remedy, by their terms of service, would preclude me from seeking any legal remedy, so it is an unacceptable option.
I am writing this complaint not because you do n't already know of the Equifax hack, but to give you a consumer-related reason to pursue remedies on behalf of the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Product: Credit reporting, credit repair services, or other personal consumer reports

My name, my credit files, and my integrity all has been compromised by either theft, the dark web, Equifax breach, or the lost of my identity when my wallet stolen. I've summoned the credit reporting agencies to produce A Method Of Verification to show cause of their reportings. Never once have I received any physical documentation of these unknown and unauthorized accounts. But for some reason the credit reporting agencies relay on electronic verification, when XXXX " As a general rule of law electronic verification can not be accepted as proof. I demand that the following accounts be removed and blocked from my credit files. 

XXXX ) XXXX XXXX {$120.00} XXXX ) XXXX XXXX   {$1800.00} XXXX ) XXXX XXXX  {$340.00} XXXX ) XXXX XXXX XXXX {$1100.00} XXXX ) XXXX XXXX {$260.00} XXXX ) XXXX XXXX   XXXX {$61.00} XXXX ) XXXX XXXX XXXXt XXXX ) XXXX   XXXX XXXX  XXXX NA XXXX ) Dept of ED/ XXXX {$56000.00} XXXX ) Dept of ED/ XXXX {$31000.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is aggravated identity theft, there were XXXX student loan accounts fraudulently opened in my name without my authorization. XXXX for {$4000.00} and another for {$13000.00} with US DEPT OF EDXXXX XXXX For over XXXX months I tried several times to get matters escalated what their credit department. There were no proper verifications done at the time of opening in contracts nor do they have my signature on file. This is a violation of my consumer rights and this is unlawful to add these accounts to my credit report without proper verification or my authorization. I am demanding for these accounts to be immediately removed from my credit report as they do not belong to me and are a misrepresentation. According to our consumer rights, prior to these accounts being inserted into my report they should have been verified and analyzed for accuracy. This is my formal complaint, keep in mind I've tried several times of contacting the credit bureaus as well. I have proof of deletion from XXXX and XXXX. Experian originally removed it from my account on XX/XX/2022 and I have proof, yet they added it back onto my account which is unlawful. I'M DEMANDING FOR THESE ACCOUNTS TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT AS IT IS DAMAGING MY BUYING POWER AND CHARACTER AS A PERSON. 

I'm willing to seek legal help if these accounts are not removed immediately.