23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I sent a money transfer through XXXX using my Venmo account on XX/XX/XXXX. XXXX cancelled the transaction of {$600.00} but until now I still dont see my refund. I chatted with XXXX since they have no phone number and was told they send the money same day but I dont see it on my account. Venmo said theyre filing a dispute and I have to wait until XX/XX/XXXX. This is way too long time of them sitting on my money. I need the money back due to emergency family medical expenses. I cant afford to wait for them to sit on this money. 

My Venmo account information is : Email : XXXX XXXX : XXXX XXXX : XXXX XXXX
Product: Mortgage

I paid off my loan on XX/XX/XXXX. As part of that I was entitled to a payoff statement, cancelled note, and escrow refund of {$4100.00}. I have not received any of those items, although I did receive an escrow disclosure statement confirming that I was entitled to the refund on XX/XX/XXXX. As of XX/XX/XXXX XXXX is refusing to reissue a check ( they provided me a tracking number indicating that it is " lost '' in the mail ). They have indicated they will not consider reissuing a check until it is lost in transit for more than 30 days. I don't believe this complies with the rules of timely refunding my escrow, considering they could easily cancel and reissue the check if it is in fact lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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: Student loan

i have my student loans with navient i have XXXX loans XXXX federal and XXXX private. i have started to pay more on the private loans because the interest is 13.65 %. i have had XXXX loans since 2004 and that have n't paid down that much. as a matter of fact XXXX has gone up. after i started paying extra they start holding my normal payments, which are auto pay, instead of applying them. they did n't do that before. i know that they are doing this to drive up the interest.
Product: Checking or savings account

Received e-mail from Ally Bank on XX/XX/XXXX advertising a Cash Bonus program. If I was to transfer {$50000.00} from an outside source into a new Ally Online Savings Account before XX/XX/XXXX, I would receive a {$500.00} bonus ( 1 % ) as long as I didn't withdraw the funds until after XX/XX/XXXX. The bonus would be deposited by XX/XX/XXXX. I did everything exactly as the terms dictated. I didn't even withdraw funds until after XX/XX/XXXX, which was supposed to be the actual crediting date. When the Bonus didn't appear in my account, I called Ally twice on XX/XX/XXXX and again on XX/XX/XXXX and also submitted an internal written online message on each of those days. They said there was a glitch in the system and that it would be resolved within 7-10 business days. Today is XX/XX/XXXX and the issue is still outstanding.
Product: Credit reporting or other personal consumer reports

The 3 agencies XXXX, Equifax, and XXXX have a fiduciary duty to make sure accurate information is reporting on a consumer 's credit file. XXXX XXXX XXXX XXXX is reporting XXXX accounts that is causing harm to my credit profile XXXX auto loan Reporting at {$4500.00} and credit card Reporting at {$5300.00}. Both these accounts has been discharged via 1099C filing, Which Canceled the Debt/ Charged off. Per IRS Publication 4681 a Charge off is considered Income and is to be filed on my tax return. ( See Exhibits below ) The Credit balance of theses accounts should reflect {$0.00} full balance paid in full and remove any negitive reporting. This is my 4th time this year complaining about the reporting from this Company. at this point there is no need for a Fake investigation per your E-Oscar system. this needs to be updated IMMENDIATELY. 

This Complaint is Governed under Fair Credit Reporting Act and The Privacy Act of 1974.
Product: Credit card or prepaid card

Received a hair treatment Olaplex and Flat Iron on XX/XX/XXXX. However, the stylist used a wax which made my hair turn stiff as opposed to flow with body and volume. I called the next day on a Monday to inquire about this issue. I was informed the person whom was available to do my hair was leaving within two hours. I was unable to make it there within that time frame. Shortly after this I had symptoms of XXXX and quarantined myself for several days. Yes, I experienced other life issues which detained me. I went to the store XXXX and spoke with XXXX the general store manager to explain the above. Meanwhile, the next day the salon manager explained to me the stylist that did my hair is no longer with company and unable to redo The salon manageXXXX explained to me that their employees do not work without a commission, and I would need to pay for the new stylist. My response Is it my fault the stylist is no longer there. I said this will not work. I wanted to speak with XXXX but, I realized it would be redundant as I spoke with her initially. The salon manager hung up without saying bye. From the conversation it was evident she was not interested So if I will need to pay for the new stylist to correct my error. I need to have my previous service refunded because of the error in the result of my hair. The error was verified via the stylist and it was to be redone initially the next day but I could not make it there within the two hours given. With COVID guidelines I want to make sure that I am not passing on any symptoms and possibly virus to the public and I was in quarantine. It does not seem fair that I was not able to make it there accordingly and now I need to pay for a new stylist due to an error by your employee and I am being accountable for the redo at my own expense regardless to the fact my hair was UNSATISFACTORY
Product: Debt collection

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my Credit report
Product: Debt collection

Honda Financial Services has continued to call me everyday mon - fri even after making 3 payments over a 79 day period.My account is only 27 days past due!
Product: Credit reporting or other personal consumer reports

Please remove these accounts and inquiries from my Transunion report. 
15 USC 1681c-2 states " except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as info that resulted from an alleged identity theft. ''
Product: Payday loan, title loan, personal loan, or advance loan

I had gotten behind on some payments, and I am currently caught up. I checked my interest rate and it is 238 %. The interest is compounded daily, which I was never told. I feel this is a fraudulent practice. And I wonder how I could ever pay this off. I have seen other complaints against this company and I feel like they need to be shut down. I will pay my balance, but I'm not paying any more interest.
Product: Student loan

I am writing to request that the CFPB intervene on my behalf to compel AES to remove late payment trade lines from XX/XX/XXXX through XX/XX/XXXX for my AES/XXXX student loan accounts on the basis that during this time I was advised by AES that I would be covered by either economic or temporary forbearance. Dates, conversations, and actions proving that AES mislead me are set forth in my attached cover letter and related exhibits.
Product: Debt collection

I had a gym membership with XXXX. I advised them I was moving out of state to California in XX/XX/2024 and I was told that this would remove me from the contractual agreement since there are no locations in California. I asked if there was any documentation that j needed to submit and I was told that they would note my account. I'm not sure why this is shown now as a collection account. XXXX just allowed this to be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to get by bots or reach by telephone. Company incommunicado. Contact by message on facebook - only reply as to direct me to a website that charges me illegally for credit freeze.
Product: Prepaid card

I requested a replacement card from Rush Card on XXXX, and was told it would take 7-10 business days. As of the XX/XX/XXXX. I still had not received the replacement. I contacted them again on the XXXX and was told they would send a card through expedited XXXX. It was supposed to take one to two business days, which would have been Friday the XXXX. I have repeatedly called and and am left on hold for hours only to be hung up on! I have been a customer for over four years with this company, but at this point I must want access to my funds. I am unable to make any purchases of any kind. I have a medical condition that requires medications daily and am unable to purchase. I contacted the XXXX office Friday XXXX XXXX and was told there was no package sent. Through them, but Rush Card insists it was mailed! As of Saturday XXXX XXXX I still have no access to or a replacement card for my account.
Product: Credit reporting or other personal consumer reports

This account is not mine account still remains on my credit report. Disputed this account before company says they would remove from my credit file. Account remains on XXXX credit report
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of an investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I called my bank to update my address two different times, my debit card was involved in an undisclosed breach and they sent my debit card to the address i specifically called to remove. After finding this out and being without a debit card for weeks I called and gave a series of intimate questions yet again lasting over 30 minutes just to remove that address. The debit card was eventually sent to a bank for pick up because they consistently sent it to the wrong address even after calling the second time. The support rep never removed the address off of my account and only added my new one to my profile. The debit card was hacked again and I requested a new one a few weeks ago, they promised it would be sent to the correct address, they sent it again to an old address and said it was a computer error, they charged me {$25.00} two different times for it to be re sent and I had to fight them to refund that fee. They still haven't removed the old address from my account and blame me for not having it updated. This has been the worst headache of my life and key bank has been nothing but unhelpful, their untrained employees have me scared that they hold the ability to destroy someone's life financially with the smallest of mistakes. The tracking address I have proves it was sent to a non existent address and yet they claim it was sent to my current address, what lies I've been fed, this company is a sham and needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed Experian furnishing information on my credit report that I never gave the permission to furnish. Experian is reporting late payments on multiple accounts and multiple dates. I never gave Experian written permission any Information pertaining to late payments because I also paid as agreed. According to 15 usc 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other ... .. in accordance with the written instructions of the consumer to whom it relates. I have reached out to Experian over 30days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing inaccurate information with experian, XXXX, and XXXX  over the last six months and yet the same errors appear on my credit report. every time i dispute these unverifiable accounts, i either get an " updated '' response and nothing changes. 

EXPERIAN DEPT OF EDUCATION is falsely reporting XXXX, 150 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

XXXX XXXX XXXX is reporting inaccurate personal information. delete this from my credit report. 

XXXX XXXX XXXX XXXX XXXX is reporting false late payments and missing payment history for the entire account. also reporting differently to experian. 

DEPT OF EDXXXX is falsely reporting XXXX, 120 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

XXXX XXXX XXXX XXXXs reporting inaccurate personal information and false payment history that's unverifiable. delete this from my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX is falsely reporting XXXX, 120 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

i have attached proof from www.annualcreditreport.com for further review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have account on my report with Equifax. I called and spoke with both XXXX and XXXX and they did their research and removed this account from my report. Equifax on the other hand has not removed it from my report. I would like this account from XXXX XXXX (? ) removed from my report from Equifax. SOL has expired in the home state of this said debt of Illinois. ( 5 years ) and I do not understand why it is such a problem for Equifax to follow suit with the other 2 bureaus.
Product: Credit reporting or other personal consumer reports

Midland Credit Management is in clear violation of the law for contacting a third party or consumer reporting agency with my nonpublic personal information without legal authorization. I obtained a copy of my XXXX report and noticed an inaccurate collection account they furnished with an alleged debt of {$750.00} along with 1 late payment on ( XX/XX/XXXX ) that is not owed. Midland Credit Management can not provide me with a copy of an original signed consumer agreement where I gave them written authorization to furnish anything on my consumer report which violates 15USC 1681 ( B ). They also can not provide me with the original statement they sent me 21 days before the late transaction in this collection account was reported on XXXX which is a violation of 15USC 1666 ( b ). By furnishing this transaction, they also violate 15 USC 1681 ( 2 ) ( a ) ( i ) which states all transactions or experiences to any person are excluded from my consumer report which means late or not, my transactional history to any company is not supposed to be reported on my consumer report. On ( XX/XX/XXXX ), I sent Midland Credit Management a notice of their violations to cease and desist all collections activity regarding this alleged debt that is not owed to you or XXXX XXXX  as per 15USC 1692 ( c ). I have no legal responsibility to this debt and refuse to pay this alleged debt. The original creditor they listed on XXXX, XXXX XXXX  removed this credit card debt account from my credit reports before attempting to sell it to them because the data furnished was unverifiable, inaccurate, and a direct result of IDENTITY THEFT as per 18USC 1028 ( A ). 5 months later, they are attempting to collect this same debt that has already been proven to be inaccurate with noncompliance to the law by parking this inaccurate collection account and violating the FDCPA & 10006.30a and REGULATION F which took effect on XX/XX/XXXX. Due to their violations, Midland Credit Management must remove this collection account from my XXXX report.
Product: Credit reporting or other personal consumer reports

Letter has been sent out multiple times from XXXX to Equifax to reinvestigate. Company never followed up with letter response or email response of reinvestigation. I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds in 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation.
Product: Debt collection

This debt was included in the bankruptcy and it was discharge ; however, this debt is still reflecting in my credit bureau reporting as Open from XXXX XXXX XXXX XXXX. Also, since the debt was discharged by the FCRA the debt can not be reporting twice as Collection and Bankruptcy. On my other credit bureau agencies ( XXXX  and XXXX  ) it was removed as a Collection since it was part of the Bankruptcy. I want this removed from my credit bureau reporting in XXXX because It can not be reporting twice
Product: Mortgage

Im attempting to refinance a $ XXXX mortgage with Better.com. My credit score is XXXX. I have over {>= $1,000,000} in liquid assets and over {>= $1,000,000} in other real estate. They keep asking for unneeded documentation. I believe it is because I got a good rate and the rates have since moved up. 
EXAMPLE : They ask for my XXXX XXXX. Its not due till XX/XX/XXXX but I had it so I sent it to them. Their next correspondence asked for my XXXX XXXX. 
EXAMPLE : They ask for proof that I had paid my outstanding tax debt for XXXX. I have no outstanding tax debt. I sent them a copy of the check where I had paid my taxes for XXXX by XX/XX/XXXX. Their next correspondence asked for proof I had paid my outstanding tax debt. 
I could go on. If you want more I got it. But bottom line very frustrating to deal with a shady company with obviously not good intentions. I strongly advise other consumers not to go anywhere near Better.com.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the account from my file. 
XXXX XXXX XXXX : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry ; XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX ACCOUNT # XXXX Has violated my rights. 

CXXXX XXXX XXXX  XXXX Has violated my rights. 

XXXX XXXX XXXX Has violated my rights. 

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: Credit reporting or other personal consumer reports

My account was flagged with a debt review flag, however I am not over indebted and this was done without my consent. I need assistance with this credit profile to be cleared I have not done any inquiries however I also have missed payments.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates is reporting an account inaccurately to the Consumer Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th Complaint informing the Credit Bureaus that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Bureaus are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following items removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX CO XXXX Balance Owed : {$290.00} XXXX XXXXXXXX XXXX XXXX XXXX {$440.00} XXXX XXXX Bankruptcy Reference # : XXXX U.S. Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BSI Financial holds my home mortgage and mismanaged my home mortgage account. BSI falsely reported payments made to my account as not paid ; some more than 180 days consecutively. BSI also reported the wrong balance to the credit bureaus and placed customer disputes on my account when I inquired with them to investigate their mishandling. They kept the disput on even when they admitted to the mishandling of my account.
Product: Credit reporting or other personal consumer reports

Apple Card/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO. XXXX