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

Debt blue has been taking {$180.00} a month since XX/XX/2019 to pay off my debts. They take some fees for legal help but when I was sued for a debt last year they didn't provide legal help to me. I complained and never heard from them about this issue. I paid out of my own pocket to file the lawsuit in court, took off work to go there, and they never reimbursed me. I never was contacted by a legal person til the day it was due to be filed and I already had filed it earlier that day. They drug out the last debt if mine I called repeatedly to settle and they had zero communication with me about needing my signature notorized and continue to draft {$180.00} the whole time. They settled it on phone last week and told me I wouldn't be getting more drafts monthly from my account and that I would even be getting money back I paid into this program and apparently that is not true!!! Now because no one made a " note '' of telling me that they are acting as if I am lying. Had I known I was going to be paying fees for services they weren't providing I would have fought paying them and never ever gone with this company. I am now XXXX, have no income and they are telling me I owe them {$460.00} for the last settlement for a " performance fee ''. I'm the one who requested they settle my last debt after having enough money to cover it in my account with them and pushed it now they are continuing to charge me for their " performance ''. This company has well overcharged me for the services they did not provide and told me today they saved me 66 % on my debt but will NOT answer to any of the issues I've had with them with the legal services they didn't provide that I have paid for monthly! And the dragging debts out when I had enough money to cover them while they just enriched their own pockets sitting on my money! This seems super unethical!!! Super!
Product: Credit card or prepaid card

1. Purchase an online cruise through XXXX  XXXX on XXXX XXXX 2. This charge represented the booking fee ( {$25.00} ) and trip insurance ( {$75.00} ) 3. The cruise was cancelled due to Hurricane Dorian ( XX/XX/2019 ) 4. XXXX XXXX refunded all fees and charges 5. A XXXX rep said the booking fee was not refundable but the insurance should be 6. After no refund, opened a dispute with Barclays 7. Barclays just closed the case so I reopened 8. Barclays then states that the refund policy was agreed at purchase but I was never informed. 
9. How does XXXX retain fees when a ) the cruise was cancelled but b ) more importantly the insurance was not activated nor used as full refunds were provided by the carrier XXXX XXXX. This is fraud and a complete rip off of all consumers
Product: Credit reporting or other personal consumer reports

I'm not aware of these inquiries, and the company did them without my permission.
Product: Student loan

Reliant Capital Solutions began to garnishment actions against my wages on XXXX XXXX, 2017. The amount being withheld is {$310.00} per pay period ( twice monthly ). I was never contacted by Reliant never attempted to contact me to collect the debt or allow me to make payment arrangements.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a request for my full disclosure of my credit file, with everything they have on file about me, to Experian at their publicly listed post office box. It was sent by certified mail with return receipt requested to the Experian Consumer Disclosure Department, XXXX XXXX  XXXX, XXXX, Texas XXXX. The second of the same letter, was also sent to Experian at the same publicly listed post office box by regular mail. Experian received my certified mail on XX/XX/XXXX, per the United States Postal Service. As of XX/XX/XXXX, Experian has violated the Federal Trade Commission policy which outlines my right to these reports as a consumer. They are required to 1 ) give me a free copy every 12 months ; 2 ) correct any mistakes, and 3 ) make sure the information they collect is correct. The incorrect information has remained on my report for years, and Experian has illegally denied my written request, twice within 70 days.
Product: Checking or savings account

I am filing a complaint with the cfpb regarding Capital one 's failure to deposit my direct deposit from my employer, Capital One has cited technical issues which may violate the electronic funds transfer act as it requires timely access to funds. I request your assistance and investigating this matter to ensure my rights are upheld, thank you.
Product: Mortgage

In XXXX 2016 I was notified by Bank of America , N.A . that the flood insurance on my property in North Carolina had " expired or was canceled '' and XXXX threatened to purchase flood insurance on my behalf. Due a medical family emergency I was away from home and unable to attend to personal matters until recently. I contacted XXXX on XXXX XXXX and XXXX, ahead of their XXXX XXXX, 2016 deadline and offered to email the insurance documentation to them since I did not have fax access from the hospital. I was informed that this would be too late since there was a 10-day processing time - something not mentioned in the notification to me. My XXXX company subsequently faxed the information on the XXXX, but again this will not allow for the processing time, BOA suddenly demanded. This is an annual occurrence with XXXX and while they have held my mortgage for several years, BOA claims annually that the flood insurance has either been discontinued or is insufficient - which is clearly not the case. I own XXXX other properties, however, have never experienced any problems such as I do with BOA. BOA 's predatory lending and insurance practices are simply unacceptable and it is a way for XXXX to essentially enrich their business by " purchasing flood insurance on my behalf ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXXXXXX XXXX Balance : {$440.00} ; XXXX  XXXXXXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX  Balance : {$2800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint due to incomplete and inaccurate credit reporting from Nelnet since being switched from Great Lakes student loan services. On my account : XXXX I paid {$640.00} balance off on XXXX XXXX XXXX back on XX/XX/23. I was told this would be reported to XXXX within 30 days from a customer service rep and it has not been reported. Now I see a credit reporting error that incorrectly shows consolidation of balances on XXXX XXXX  and XXXXwhich is not reflected on my Nelnet account-balances are still separate. This is showing reported to agencies now and shows as an increased balance ( even though no change in balance for XXXX XXXX  XXXX XXXX XXXX ) and has lowered my credit score significantly yet. On Nelnets website these are still separate $ XXXX balances. I am closing on a new house within the month and need these issues corrected immediately or I am filing a complaint. I never had incorrect reporting with Great Lakes. Please advise to remedy this situation.
Product: Money transfer, virtual currency, or money service

When we received our Economic Impact Payments/stimulus, most of those were sent direct deposit, which is how I received mine via Cash app. Like most of those deposits ( if you had children ) the child 's name and your name was on it. The checks I received via cash app had my name and my child 's name. Which so many others have the same complaint. Now I can not use my cash app card. But I can still transfer and send money. I have sent in my ID with a picture of me holding it. Still no results. I can't talk to anyone but I can message or wait until they email me. This problem has been going on since 2021 when we first received our Economic Impact Payments. Now I can't add my children to the family account I can't approve their requests. I can't send them money.
Product: Payday loan, title loan, personal loan, or advance loan

A sales rep by the name of XXXX XXXX ( XXXX ) came to my home he explained what was supposed to happen if I decided to get the solar panels. The sales rep broke down every thing that was going to be done. He looked at my roof and told me that the roof is sinking and I told him that the beams were splitting and he said that they were going to replace the beams and redo the roof so it can support the panels if I decided to go with them. I video taped the sales rep while he was in my home explaining what they were going to do to the roof if I decided to sign the contract. He then asked for my social security number stating that he was going to see if I pre-qualified for the financing and give me an idea of roughly how much my monthly bill would be, which he stated was going to be about {$160.00} a month. Keep in mind I video taped the conversation and my son was also on the phone while the sales rep was explaining the process. About 2 weeks later I woke up to noise on my roof and when I went outside to see what was going on I noticed that they were working on the roof. I asked what they were doing and they said they were replacing the roof and putting up the solar panels. I immediately called the company to complain because I didn't sign a contract. I also went into the attic to see what they were doing and I noticed that not only were they putting on the solar panels while replacing the roof but that they didn't even change the beams like the sales rep said they were going to do. I kicked them off of my roof. While on the phone with the company they said they were cancelling the contact and I asked " what contract? I didn't sign a contract I was only supposed to know the cost if I qualified for the financing. '' I received an email stating that the contract was cancelled soon after. A week or so later I received a bill for {$7800.00} and a monthly bill for almost {$600.00} a month. 
I am a XXXX  citizen and am on a fixed income and by no means can afford a monthly bill of {$600.00} for anything. The whole reason for me inquiring about the solar panels was to reduce my bill not increase it by over {$400.00}. I feel that they scammed me and signed me up for something I absolutely didn't sign up for. I am prepared to go to court and fight this as I have all of the emails stating that the supposed contract was cancelled. What type of solar panels cost XXXX dollars?!?! My roof is now sinking in because of this due to the weight of the solar panels because my beams would have needed to be replace before anything went on my roof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint as a follow up to the previous Complaint I submitted requesting the deletion of the fraudulent accounts and information of of my Credit File. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} WRGT PATT XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX GA XXXX Bankruptcy XXXX XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX. Please comply with the FCRA section 605b, and have the disputed items removed as soon as possible. If you can not find any documents to support the invalid claim that the disputed items belong to me, please remove the disputed items as soon as possible.
Product: Credit reporting

Equifax is giving me a wrong name, stating that I 'm also know as XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I disputed an erroneous collections remark from XXXX  via XXXX online for a lease account I had from XXXX. Within the same day, BMWFS completed their review allegedly and instead of providing any information regarding the dispute, they added new collections remarks for XX/XX/XXXXXXXX  and XX/XX/XXXX. 

This account was paid in full and closed XX/XX/XXXX and a new lease agreement was in effect. The first collections remark was added on XX/XX/XXXX. How is that possible when this account was paid in full and a new lease agreement had started the same day ( XX/XX/XXXX )? Even if the remark was correct ( it's not btw ), how would it go into collections that fast? Did the 30,60, 90 day remarks not apply? I've still yet to receive any documentation of the debt in question. 

I currently have another lease account that is scheduled to expire XX/XX/XXXX. Although the current account has been paid as agreed and on-time, I believe that BMWFS is confusing the two accounts and\or adding derogatory remarks haphazardly. I have not received any notices of what I owe, what the debt is for and why it is now in collections status. 

My current lease originally expired on XX/XX/XXXX. However, it was extended by BMWFS until XX/XX/XXXXXXXX  to allow for my new car to be delivered to the local dealership. That should not have resulted in any sort of collections remarks on my XXXX credit report on either BMWFS account listed. The dates in question coincide with the dates that my current lease was extended. Again, this should not have resulted in anything other than " paid as agreed '', not " collections ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete XXXX statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts XXXX XXXX  XXXX, XXXX  XXXX weren't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Equifax to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I filed a dispute letter to Experian, XXXX, and XXXX XXXX requesting the removal of all inaccurate information being reported on my report such as metro 2 formatted compliance. Upon no receipt of verification of the inaccurate information I sent another letter on XX/XX/2023 requesting the demonstration of truthfulness certified with the lawful process and mandatory Metro 2 compliant reporting. On XX/XX/2023 I sent another letter requesting the immediate removal of the inaccurate information due to failure to verify within the time prescribed pursuant to 15 U.S.C 1681 again to no avail. I sent another letter on XX/XX/2023 showing that the inaccurate information was the result of identity theft along with Police Reports and the bureaus were selective in removing some items and allowing others to remain. I called the bureaus on XX/XX/2023 at XXXXXXXX XXXX XXXX and they assured me the remaining inaccurate information would be removed and still has failed to do so. Can you please assist me in compelling the bureaus to comply with the rules set forth in FCRA 1681. Any assistance or advise will be greatly appreciated, Thank you for your time and anticipated cooperation in this critical matter
Product: Debt collection

Has not addressed their own violations. 
MICHIGAN REGULATION COLLECTION PRACTICES ACT 445.252 ( e ) + ( g ) + ( o ) FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692d ( 2 ) + ( e8 ) + ( e10 )
Product: Credit reporting or other personal consumer reports

Unauthorized accounts appear on my credit report, likely from fraud or identity theft. Please block and remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX  XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit and get loans. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to Experian, XXXX and XXXX to correct the disputed items
Product: Credit reporting or other personal consumer reports

I'm very concerned about some accounts appearing on my credit report that I did not open or authorize. This appears to be a case of identity theft, which is extremely distressing. I have previously raised this issue, but the fraudulent accounts remain on my report. Their presence misrepresents my true credit history and financial responsibility. This inaccurate information could prevent me from achieving important goals like buying a home to support my family. I am hoping we can resolve this quickly by removing the unauthorized accounts from my report. However, if a resolution can not be reached through proper channels, I will have no choice but to pursue legal action to protect my rights and credit standing. Please treat this as an urgent matter - the ongoing negative impact of identity theft on my credit report is causing significant stress and financial hardship. I am counting on your assistance to correct this unlawful situation promptly.
Product: Debt collection

National Credit Adjustors XX/XX/2018 - I faxed a written request to stop harassing me at work. Then I started receiving a call every night at my 2nd part time job which was noted by my coworkers that they have been calling me every night.
Product: Debt collection

Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : Midland Credit Management In addition, please remove all non-account holding inquries over XXXX  days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, tro o be provided within fifteen ( XXXX ) days of the completion of your re-investigation.