23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2021 I made a {$200.00} payment to XXXX XXXX XXXX XXXX. A couple days later my credit card company sent me a fraud notification that someone was trying to use my credit card in another state. So I canceled my cards and ordered new cards and made sure the banks were aware of the fraud. Well the payment I had made a few days prior mistakenly got marked as fraud XXXX XXXX XXXX stated that they sent the {$200.00} back to my bank. However, the money was never sent back to the bank. I then made the payment again a couple weeks later to cover the missing money so my service wouldnt be interrupted. They never gave me my {$200.00} in my bank account nor did the take the amount off of my bill. Then a couple months later I canceled phone lines with a XXXX XXXX XXXX representative on the phone but they continued charging me for cellular data for one phone that wasnt even being used on their services anymore, Ive contacted them on several accessions to try and resolve these issues but I keep getting the run around. I even recently spoke with a rep and said I wanted to start services back up again then they started acknowledging the problem but still not giving a proper solution. I have all of my bank statements to prove that XXXX XXXX XXXX never sent my money back into my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple account that are fraudulent! Please investigate this. Self card, XXXX XXXX XXXX XXXX XXXX
Product: Student loan

A few years ago I started getting phone calls and a monthly bill from XXXX XXXX XXXX XXXX, XXXX. I asked the person who called me, who was the creditor, and they could not verify my questions. The original creditor is HSBC BANK NEVADA , N.A . They are telling me they can sue me and turn me into the credit reporting agencies. I 'm confused because I am paying my student loans monthly to the department of education. I did send in a payment a couple years ago. It never got taken off my balance nor did I get a receipt for it. So I have not sent any more money to them. They have pre-approved me for a discount in this letter. Their are XXXX different company names on this letter. I sick of them sending me letters and calling my home phone number. I feel like they are not who they say they are and I feel like I 'm being harassed by them.I honestly think these are not the right creditors and they are trying to scam me out of more money. I do have some unidentified things on my credit report and that is how I came to your site and seen you guys were investigating this company
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding XXXX XXXX XXXX 's ( KFA ) failure to correct an inaccurate charge and its subsequent negative impact on my credit report. I lease a vehicle through XXXX XXXX XXXX and am eligible for a military excise tax exemption in accordance with the Servicemembers Civil Relief Act, as confirmed by the City of Lowell Board of Assessors. Despite this exemption and multiple attempts to inform XXXX, I was charged excise taxes for XXXX and XXXX, which I paid under duress to prevent further damage to my XXXX XXXX. 

I have repeatedly communicated this exemption to XXXX XXXX XXXX, provided supporting documentation, including an abatement certificate from the XXXXXXXX XXXX XXXX, and requested a refund for the excise tax payments. XXXX XXXX XXXX has yet to refund the payments or correct the inaccurate information on my credit report, which has unjustly resulted in my account becoming delinquent. 

This inaccuracy has significantly impacted my credit score and, as a result, delayed the pre-approval process for purchasing a home. After disputing this matter with the credit bureaus, I was further disappointed to learn that their " investigation '' only consisted of forwarding my dispute and supporting documentation to XXXX XXXX XXXX. The credit bureaus then provided XXXX 's response as the final " dispute results, '' after almost a month of anticipation, without any meaningful investigation or mediation. 

I am requesting the CFPBs assistance in resolving this matter and holding XXXX XXXX XXXX accountable for refunding the excise tax payments and removing the incorrect negative information from my credit report. The inaction from both XXXX XXXX XXXX and the credit bureaus has caused undue financial hardship, and I would appreciate the CFPBs prompt attention to this issue. 

Thank you for your assistance in addressing this matter.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 alleged fraud or extortion XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Its over month now and I am calling customer services number ( XXXX ) day and night from XXXX till XXXX  everyday continuously and no one is picking the phone. My funds are hostaged by the bank and I am am able to add external bank account of mine to transfer money or pay bills online. I had tried every discover number and they keep telling me to call only ( XXXX ) to resolve this issue, however no one is answering on this umber and music keep going on for 2-3 hours and then call gets disconnected. 

please please assist me from this fraud bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX is reporting a account from XXXXXXXX XXXX that i do not recognize this company has been reporting as a collection on my credit report but when i asked for the original purchase agreement to prove i owe this money i never received a response back. i ask that this account be removed they are in violation of the fair credit reporting act reporting inaccurate information on my credit report
Product: Mortgage

For almost 2 years now we have been slow to pay, When I login to our account to make a payment before it is late, the system blocks out 3 to 5 days forward, including the same day. By the date that it allow me to make the payment it is 30 days past due and negatively reported on my credit. When I called to find out why and have them fix it, I was informed that I was not on the mortgage loan and they would not speak with me. I was unaware that I had been removed from the mortgage loan but I was still on the deed. The biggest problem is that we can't even find a new lender because of all the 30 day past due payments that would NOT have been late had I been able to make a payment the day I signed into my account to do so. Plus they have been charging us PMI since we refinanced in XXXX  with over 20 % equity.
Product: Credit reporting 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also stated a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c/ ( a ) ( 5 ) Section States : no consuming 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 convictions 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 that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I signed up with a third party company to handle my pay loan with speedy cash and stopped payments with my bank and changed my debit card number yet they keep hitting my bank account somehow. I need help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two ( 2 ) certified letters to the bank and to the CRA to investigate the duplication of an unauthorized inquiry placed on my consumer file I did not authorize. The offending duplicate inquiry is hurting my credit and it needs to be removed.
Product: Credit reporting or other personal consumer reports

My Experian account was hacked by an identity theft. They utilized my social security number birthday and numerical number on address to hack my account. I called to get access to my account. Its impossible to reach a human agent on the phone. The automated system is ridiculous and requires not much information to get into the system. The system they require is what identity thefts have already stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Certified Letter EQUIFAX ( XXXX XXXX XXXX XXXX XXXX ) disputing the accuracy of the Accounts .XXXX  XXXX Acc #  XXXX, XXXX  ACC # XXXX and XXXX XXXX XXXX ACC XXXX and XXXX Acc # XXXX. I sent a request for, method of Verification under the Fcra, section 611 ( a ) ( 6 ) and ( 7 ) after 15 day I never recived anything.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXX XX/XX/XXXX
Product: Student loan

I am currently a college student and have been for the last few years. This is my first semester when I have been enrolled in less than 6 units so I was unaware payments would restart. I failed this class so I wanted to focus on this one this semester. When I am in school, that is my main focus and I do not work as often. I asked for a temporary deferment or any other potential options until XXXX because that's when my half-time status would restart. I was denied and now I am constantly being called about making payments, but on their side there is " nothing '' they can do to help me, but on the website it says, " call if you are having financial trouble. '' I have called and when I did no options were provided or even available. An agent even said, " I'm not sure why that's there. '' I wondered the same because there are no " managers '', or anyone available to talk to that actually seems to care. I have been in school since XXXX and I wasn't informed about potential payments due to not having enough units. Like I said, next semester I am scheduled to go back to half-time so I don't go through this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- I did not give any written instructions to furnish an account to any consumer reporting agency.

In accordance with the laws of the Fair Reporting Act, the following companies have violated my rights. 
1 ) XXXX  Account # XXXX XXXX ) XXXX XXXX XXXX XXXX  Account # XXXX 3 ) XXXX XXXX  Account # XXXX 4 ) XXXX XXXX XXXX Account XXXX XXXX 5 ) XXXX XXXX XXXX XXXX  # XXXX 6 ) XXXX Account # XXXX 7 ) XXXX XXXX XXXXXXXX Account # XXXX 8 ) XXXX XXXX XXXX  XXXX XXXX 9 ) XXXX XXXX XXXX Account # XXXX 10 ) XXXX XXXXXXXX XXXX Account XXXX XXXX 11 ) XXXX XXXX Account XXXX XXXX 12 ) XXXX XXXX Account # XXXX 13 ) XXXX XXXX XXXX XXXX Account # XXXX 14 ) XXXX Account # XXXX 15 ) XXXX Account # XXXX 16 ) XXXX XXXX XXXX Account # XXXX 17 ) XXXX & XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I did a transfer from my Bank of America checking to pay XXXX due on my Bank of America credit card and they pulled XXXX dollars out of my checking. So now I have overpaid account by over XXXX dollars and they first told me I would have money back in XXXX business days and today wasXXXX days not counting week ends or Holidays and now they tell me XXXX billing cycles before I get money back.
Product: Credit reporting or other personal consumer reports

I had a car loan with XXXX XXXX XXXX XXXX, which was fully paid off in XX/XX/XXXX after my vehicle was totaled. However, XXXX XXXX reported a late payment ( past due balance ) for the month of XX/XX/XXXX on my payment history. After reaching out to them, I was advised to file a request for removal through Equifax, as they confirmed that the account was settled in XX/XX/XXXX and no late payment was recorded for that date. 

In XXXX, I submitted two disputes to Equifax, referencing Confirmation # : XXXX and Confirmation # : XXXX. I provided documentation proving that my car was paid off and that the account was closed in XX/XX/XXXX. 

Despite this, when I checked my credit report, Equifax still indicated that I had a late payment associated with XXXX XXXX for the month of XX/XX/XXXX. 

On XX/XX/XXXX, I contacted Equifax again, and the representative informed me that my issue had been previously resolved and that their records had been updated. However, I pointed out that their website still showed a past due balance marked for XX/XX/XXXX, and my credit report reflected this delinquency. The representative suggested I wait another 30 days before calling back and filing another dispute, as he could not see the information I was viewing online. He also mentioned that in order to view the removal of the XX/XX/XXXX past due remark under the payment history, I would need to purchased their subscription as I was accessing their free account. 

It has now been nearly two years, and Equifax still has not removed the past due remark for XX/XX/XXXX.
Product: Debt collection

I am filing this complaint because JPMCB CARD SERVICES ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Vehicle loan or lease

I purchased a car on XXXX, I paid for it in full, and received the title and registration. The title and registration I was given had no lienholder on it. I went ahead and did a smog, went to the DMV got my registration, and got my title. After a while I decided to sell the car, I went to XXXX, and XXXX told me there was a locator hit on the car by Santander USA and that I could not sell the car and had to contact them since there is a lien. After calling Santander 50 times, they finally asked me to send over my documents which I did after they saw the title which is in my name, and the registration which is also in my name with no lienholder they are refusing to release the lien from the title. I contacted the previous owner and he told me he never financed the car and he paid for it in full also. I want Santander to remove the lien they have on my car, I have never financed this car, their issue is with whoever financed it not me. If they would like to buy my car back from me that's okay too, I will sell it for {$10000.00}. Santander has me in limbo and every time I call they say they can't give me any information because I'm not the account holder, of course, I'm not I NEVER FINANCED THIS CAR.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermi

ne the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my cons

umer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {XXXX per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax wouldnt allow me to get my free credit report yet they report this information to XXXX XXXX The information listed on my report is unknown. Its stopping me from having a place to live. XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX 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 XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX ARE IN VIOLATION OF MY HIPPA RIGHTS UNKNOWN INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint because I still believe there are some errors on my credit. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate the following items : XXXX XXXX Balance Owed : {$0.00} You are flagrantly infringing the Fair Credit Reporting Act by continuing to display this account as past due despite the fact that it has been fully paid and has no outstanding balance. The payments on this account have never been late. My records show that I never missed a payment on this account, and it was settled in accordance with the terms. Please take care of the late payments or completely remove the disputed account from this account 's payment history. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$1.00}, XXXX Despite my numerous requests to dispute this account and correct the payment history, you have done nothing. The late payments that are reflected in the account 's payment history are misleading because I never made late payments for this account. Please remove the reported late payments from the payment history as soon as you can. 

XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} Neither was nor will this declaration be late. Given that you are adding fraudulent and incorrect information about me to my credit report, I've tried to request that you change the payment history. Please discontinue noting late payments on this account moving future, and just provide accurate information. True credit reporting is required by the FCRA.
Product: Prepaid card

XXXX rebate card handled by American Express. I was given an {$18.00} prepaid card. A few months later, it became {$12.00}. {$2.00} per month fee is charged for three months. The fee was written in the back of the card in a very small font.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me 120 days late payments. There was an error on their part. I was never 120 days late.