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

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX violated my 609 rights by reporting information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/ XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX/ XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX/ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is violation of my consumer protection rights.
Product: Credit card or prepaid card

XX/XX/XXXX - received email from XXXX that XXXX XXXX XXXX charged me {$3600.00}. Email stated card number was keyed in. I called American Express immediately and was told it would be taken care of. Charge was pending. I requested a new card and it was shipped to me. 

XX/XX/XXXX - Fraud Charge is now posted. I called American Express again and was told not to worry its being investigated. 

XX/XX/XXXX - Called because charge is still on my account. I was told they haven't done anything yet and they will investigate. They have no record of my second call and claim the charge as pending on my initial call so they couldn't get anything started.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of my previous requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. The following accounts needs to be updated immediatelly : XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00}.
Product: Credit card

I applied for a SCRA reduction because my husband is XXXX XXXX military service on my credit lines on my account. They sent me a letter back stating because I am not " joint '' on the account with my husband. I live in Louisiana and under title 29:312 they have to abide by SCRA.

" RS 29:312 - Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/year>, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding XXXX percent per annum during the period that the person is XXXX on XXXX XXXX. '' I have XXXX credit lines on the account with much higher than XXXX percent interest rates. I would love for this to be resolved. I have already sent them a copy of XXXX XXXX orders and a written request.
Product: Credit reporting or other personal consumer reports

XXXX has failed tpo fulfill its legal obligation under the FCRA to donduct a reasnable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accpeting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I opened my account on XXXX XXXX XXXX  at the branch in XXXX, TX. 
Since then i been sending several emails to the banker to have the Online ID to enroll in online banking without having an answer. Please send me to my mailing address on file the PNC Online banking user ID to enroll in that service.
Product: Student loan

I was misled by XXXX about tuition. I made them aware that I had just become a single dad of XXXX kids in school back in XXXX  and that I could not afford to pay for college. They told me that I would receive a full XXXX XXXX and not have to owe anything out of pocket. Each term, they would send me papers to sign about loans. I called about them each time, but they assured me that it was a formality to get classes started until the XXXX XXXX money came in. I applied every term for XXXX XXXX and was always told that I was approved for a full grant each time. After graduation, I started receiving bills from federal and private loans totaling over {$50000.00}.
Product: Credit card

I suffered an injury on XX/XX/XXXX which prevents me from flying for XXXX  months. I originally booked tickets with the Bank of America credit card for myself, my sister, and my parents so I called to request a copy of the specific terms and conditions as well as ask if the airfare was covered by the trip cancellation benefit. 

On XX/XX/XXXX, I called and they customer service representative said they could not provide a copy of the card benefits by email but assured me that the airfare for myself and my immediate family was covered ( I have a recording of our conversation ). Because the rep assured me that the entire airfare was covered by trip cancellation, I cancelled our flights even though there's a {$200.00} cancellation fee per person ( I only received around {$260.00} credit for the {$1200.00} total ). 

Now I'm calling to make a claim and they are telling me that only my airfare is covered, not that of my family. I would not have cancelled their tickets if they had given me the correct information from the start.

I have two main complaints : 1. They refused to provide me with a copy of the card benefits over email. If they had done this, I could have reviewed the terms and conditions myself. 
2. They gave me wrong information. They assured me that my entire family 's airfare was covered so I cancelled our entire trip and now they are telling me that only my airfare is covered. Now I am out over {$1000.00} and they will not help me.

I think this is extremely incompetent and misleading at best and downright predatory at worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

40 days ago, I requested that the credit bureaus investigate errors on my credit report. As of today, I have not yet received any response. They should have responded by now.
Product: Vehicle loan or lease

on XX/XX/2018 i mailed a check # XXXX in the amount of {$14000.00} to santander consumer usa to satisfy an auto loan. i discovered later that the loan had been satisfied last XXXX. instead of returning my check, it was deposited to XXXX XXXX santander on XX/XX/2018. repeated attempts to get our money returned have been futile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 
XXXX XXXX Balance : {$27.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$25000.00}
Product: Money transfer, virtual currency, or money service

I paid a merchant {$990.00} via PayPal Credit on XX/XX/XXXX for a year long series of coaching sessions. On XX/XX/XXXX, the merchant refused to continue providing those services as agreed. I have a written email chain to show this. I disputed the charge witXXXX XXXX XXXX and they have closed my case XXXX WITHOUT even asking me for the supporting documentation. Simply because they say the merchant has a no refund policy. But this is not a refund. This is a refusal to deliver the services I paid for. 

The merchant kept showing up to our sessions unprepared and when I told her the unpreparedness was affecting the effectiveness of the sessions, instead of improving, she chose to discontinue delivering the sessions I had already paid for.
Product: Debt collection

I sent a debt validation letter multiple times. Once on XX/XX/2021 & XX/XX/2021. Each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of my HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific account in my document coming about because of the wrongdoing. The account I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted credit bureau to inform them and request that they were several hard inquiries done without my authorization or verification. I explained to them that I had 1st contacted the company that That was responsible for the hard inquiries and at which time they reported there was nothing they can do for me And that if it was fraud I should contact the credit bureau 's. Representative at XXXX stated there was nothing they can do for me either And that I should contact the consumer finance department and follow report there The following inquiries were made on XX/XX/XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2022
Product: Money transfer, virtual currency, or money service

All moneys are reported to be returned an Im very disappointed that my money keep getting stolen out of my account without any explanation nor proof were my money is going.
Product: Debt collection

I have never in my lived at this place my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND IS THE ONLY ADDRESS THAT SHOULD BE ON MY FILE I HAVE REPORTED THIS ID THEFT I AM A VICTIM OF ID THEFT AND HAS BEEN REPORTED
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute remarks were added to my account on XX/XX/2018. I immediately called XXXX and they agreed to remove the remarks from my credit report with all three credit bureaus. Remarks are still there and have yet to be removed. These dispute remarks are lowering my credit score and I would like them removed immediately as I was told by a XXXX representative that the marks would be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, i mailed transunion a letter because i saw inaccuracies on my credit report. I asked them to verify the account as I read that they are required to do so by law. it has 3 months and I still haven't received any correspondence from them.
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant. XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

for the past 2 years I have been attempted to get a copy of my consumer disclosure file from LexisNEXIS refuse to provide me with a copy of my file proper documentation was send to the company on several occasion the last complaint I filed with cfpb the lexisnexis reply & instruct me to request a copy of my report to they website which I did two week later the company send me a letter unable to process your request but provided me with a link and password to download the report when I attempt pull the report with the information provided by lexisnexis the link was legit but the password was fake I'm still not able to get a copy of my own file
Product: Credit reporting or other personal consumer reports

RE : You Violated The United States Code Law 15 U.S. Code 1681 ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Reinvestigation procedure letter was received by Equifax on XX/XX/2023 See certified USPS tracking # XXXX XXXX XXXXno description received after 15 days. 

This a violation of my rights and I demand these accounts be deleted per consumer law 15 U.S. Code 1681 ( 7 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reports me as an authorized user. I was removed as an authorized user, but when I disputed it to the credit bureaus they say they investigate but it remains on my credit file. UNDER FEDERAL LAW, FCRA, and FTC, an individual has the right to be removed as an authorized user and it DELETED on credit file since I was not the one who authorized to be a user. This must be deleted immediately as I requested or a FTC and civil suit by atty XXXX XXXX of XXXX XXXX firm will commence in XXXX XXXX for all damages including punitive since I am totally XXXX and have a rare XXXX. Stress causes my XXXX to become worse.
Product: Credit card

On XX/XX/year>, i made a payment to my American Express personal loan account ending in XXXX in the amount of {$29000.00}, from my XXXX savings account ending in XXXX, paying off the loan in full. 

I noticed that the payment had been deducted from my XXXX  account and been credited to my american express account. 

On XX/XX/year>, i received a notice via email from American Express Notifying me that my payment was returned due to an invalid account number. 

I do not believe this to be true as XXXX has a link to simply copy the account number in order to link it to another account which I did to make this payment. 

On XX/XX/XXXX, I noticed AMEX had placed a charge for {$39.00} in my account ending in XXXX with the description " return payment fee. '' I called american express, and spoke to XXXX, to ask them to waive this fee as I did not believe I entered an invalid account number. 

XXXX said, " no problem " then he began asking me a bunch of questions updating my account address and information, etc. 

After about fifteen minutes of updating my account, he finally admitted to me that he was unable to waive any fees and he would have to transfer me to another department. 

He transferred me to another department and I spoke to another agent who after another 10 minutes admitted to me, That the system was not set up to waive any fees.

Why wasn't this communicated to me by the first agent? 

By this time I spent nearly thirty minutes on the phone to the AMEX " customer disservice " I feel that this practice by american express is deceptive to its customers.

I also reasoned that if the account number was invalid and they did not receive the payment then how could they return the payment and charge the customer a return payment fee.

They knew in the first minute, The reason for my call and they also knew that they would be unable to help me, but they kept me on the phone nearly thirty minutes, updating account information, and trying to sell me various financial products.

I feel that american express should be sanctioned for this deceptive behavior and my fee should be returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mrs. XXXX XXXX steel the information of my 3 credit cards, Chase Freedom XXXX XXXX  XXXX XXXX, and XXXX XXXX she used them for 4 years paying her personal accounts and services, and changed my address, phone number in them used the chase freedom for an amount of XXXX the XXXX  XXXX XXXX for an Amount of XXXX and the XXXX XXXX  for almost XXXX I put an Identity Theft Report with the Federal Trade Commision and send letters to all the credit cards and also attached the identity theft report and the detail of the transactions made. I had my credit cards paperless so I don't realize this until I try to made a transaction on XXXX XXXX and my credit card was denied then I begin to investigate discover that I don't have credit available and request to the credit cards my statements in paper to know that happen. This begin in XXXX and she was doing monthly payments from her checking account for the minimum amount in each credit card and use her phone number to do it so I don't have a way to realize what's going on. Now they are under investigation for almost 3 months and request a Police Report the problem is that I live in XXXX and the police don't want to take the report because the merchants are in other cities and told me that have to travel to each city to put a report on them something that is impossible. In the meantime I don't have an alternative of what to do in reference to them because they denied 2 times my dispute and reopen the case again because they are not doing an investigation like should be done. What Can I do?? How you can help me?
Product: Debt collection

On XX/XX/XXXX I received a credit alert stating I had new delinquency reported by phoenix financial as a new debt and delinquency. The amount was for {$500.00} and was originally opened in XX/XX/XXXX. I didn't know who the company was or what the debt was. I contacted the company and spoke to rep who told me the debt was a medical bill from XXXX. I ask him why they reported the debt as a new debt that was 120 delinquent and he had no answers. The only thing he keep saying was I could pay it and they'd stop reporting it. My understanding is that a debt acquired by an agency couldn't then be " renewed '' as a debt that just recently happened. If they would have reported the debt as originating in XXXX I would have no issue but I feel they are doing this to try to pressure me into paying an old debt.
Product: Debt collection

This debt XXXX  has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payoff is reporting for XXXX that my XX/XX/XXXX payment was past due as of XX/XX/XXXX. My payment was made on XX/XX/XXXX. I have email confirmation and it is also on their website that my account was paid on the XXXX.
Product: Credit reporting

I apply for a XXXX XXXX and they used Equifax to obtain a full credit report on me. My application had an incorrect social security number written down on the online application. ( I kept screen shots of my online application ) Equifax sent XXXX XXXX my credit report and placed a hard inquiry on my credit report. It took several months but the inquiry was removed by XXXX after great effort on my part. I would like to know what person information does a financial intuition needs to provide a credit report agency before the XXXX will send out a full credit report on an individual back to the requesting company? Can an inquiry be moved from the hard inquiry section to the soft section of a credit report for other reason than fraud?
Product: Credit reporting or other personal consumer reports

I am urgently writing to inform you that I have been the victim of identity theft, leading to numerous fraudulent entries on my credit report. These accounts and inquiries were added without my consent, and I demand immediate action to rectify this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and require the immediate removal XXXX XXXX XXXX items. This is critical to restoring the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

Hello, Both Experian and XXXX have been notified three times with a written request, with no cooperation, of the erroneous entry of XXXX reporting a 30 late on my credit. 

In addition, XXXX was called two times. 

First, XXXX of XXXX was contacted XXXX XXXX  XX/XX/year>, and she assured that my account is in perfect standing with no lates. She stated that they're collecting more money than I owe and have a benefit of XXXX Second, XXXX XXXX XXXX was contacted XXXX XXXX  XX/XX/year>, ALSO assured that my account is in perfect standing with no lates. I mentioned the concerns how this erroneous entry is adversely impacting my credit and that it's in direct violation of Federal Law. She reiterated everything that XXXX stated that they're collecting more money than I owe and have a benefit of XXXX and they owe me. She stated that Experian is at fault for the erroneous entry. 

In summary, two agents of XXXX have confirmed that I have no lates, the account is in perfect standing, and when asked for the original documentation, and there's not any original documentation of lates to provide, because there is no lates. XXXX has confirmed that Experian is at fault for the erroneous entry Thus, Experian has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA so they are required by law to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Experian is in violation of Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) Please investigate and enforce the laws, rules, and regulations on Experian, please. 

Kindest Regards, XXXX XXXX