23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently ran an Experian credit report. Experian reported that XXXX ran a soft credit check on XX/XX/XXXX. XXXX insists they have not run my credit since XXXX and have no idea why Experian is reporting that XXXX ran my credit. Please explain.
Product: Credit reporting or other personal consumer reports

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 an account without my written instruction.
Product: Credit card or prepaid card

I received a debit card in the mail ( Cash App through Square ). I did not apply for it and have a block on my credit to not be able to open cards in my name. The card is through XXXX bank. When I reached out to the Cash App support there is no way to get ahold of anyone in any way, no email, phone says call volume too high and won't take calls, and request for code to login is also not available.
Product: Credit card

Today in the mail I received an envelope from XXXX inside. The envelope from XXXX wasn't envelope from Chase Bank inside. That envelope was a sapphire reserve Chase credit card with a XXXX credit line. 

I never applied for this card. When I called the number on the back of the card a person was asking me lots of detailed information so I hung up on them thinking maybe the number was fraudulent as well. That's why I'm reaching out to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions, I have disputed this information on my credit report to be corrected. I took out a loan on a car with XXXX XXXX in XXXX, this account was purchased by my credit union and the car was then paid off fully. In XXXX, I was approved for another loan with XXXX XXXX and the XXXX  was XXXX or so total owing when I called them to have them pick the XXXX  up because I could no longer pay for it. They never updated their records after picking it up and selling it at auction, instead, my account balance goes from XXXX to XXXX after I disputed the amount owing. This is fraudulent for this company to out of the blue add an additional balance onto a balance they were already supposed to correct due to the resale of the XXXX. The balance should have gone down from XXXX from what it sold for but never did instead just noticed today when checking my credit report that now it is XXXX. I would like to have this investigated because I know a creditor can not arbitrarily add such fees to a balance that was already supposed to be corrected after the sale of this truck at auction which is what I was informed of by them after they picked it up back in XXXX.
Product: Debt collection

Diversified consultant never notified me of the debt, I found out about the debt by pulling my credit report and I called to verify, they refused to verify or validate. I called and settled for   XXXX   from  XXXX  oringal amount from  XXXX  and I asked for confirmation from my payment I made with my credit card and to this day I ca n't get anything from them. Every time I call they always give me the run around and still reporting to  XXXX  as a debt and send a different balance every week Messing up my credit report. I have called over 15 times still nothing I have disputed with  XXXX  and they still saying verified and I still ca n't get this removed
Product: Credit reporting

I am wanting to submit a arbitration claim against Equifax for FCRA and Maryland state deceptive trade practices violations. Their arbitration clause states as follows : " Binding Arbitration. Either You or Equifax may, without the other 's consent, elect mandatory, binding arbitration of any Claim ( as defined below ) raised by either You or Equifax against the other. As used in this arbitration provision, the term " Claim '' or " Claims '' means any claim, dispute, or controversy between You and Us regarding any aspect of Your relationship with Equifax , including but not limited to any Claim arising from these Terms of Use or arising from Your use of the Products or this Site or any information You receive from Us, whether based on contract, statute, common law, regulation, ordinance, tort, or any other legal or equitable theory regardless of what remedy is sought '' Their clause also states : ". The party filing a Claim in arbitration must select either the XXXX ( " XXXX '' ) or the XXXX XXXX XXXX ( " XXXX '' ) to administer the arbitration. " As I am sure you are aware, NAF does not perform consumer arbitration any longer due to an out-of-court settlement they have with the Minnesota Attorney General. XXXX refuses to administer any arbitration proceedings with Equifax due to Equifax 's arbitration agreement not meeting XXXX stringent consumer protocols. This is creating quite the Catch-22 for consumers. Equifax does not want consumer initiating class-action lawsuits against them, yet a consumer is unable to initiate an arbitration claim against Equifax due to the XXXX forums listed in their clause not accepting any cases with Equifax. What is a consumer to do? 

A consumer could initiate an action in federal court to compel Equifax to arbitrate, but until Equifax updates their clause to meet XXXX 's consumer protocols, the consumer is pretty much in limbo. I am requesting your agency look into this illegal clause as I feel it violates not only the Federal Arbitration Act ( FAA ), but also Maryland 's deceptive trade practoces act. Thank you.
Product: Checking or savings account

On XX/XX/XXXX I didn't make a payment but reality was stolen, I reported the FRAUD to chasebank but they charged me out again. But anyone who investigated it knew it wasn't my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax will not remove the monthly scheduled payment amount of over {$39000.00} after the account was paid in full and there is no monthly payment. XXXX and Equifax refuses to remove this monthly error thereby violating FCRA law and litigation will follow if this is not corrected. They have received all documentation of paid in full and they are violating my rights by still showing a monthly payment amount for XXXX child support. Here is proof : Important note Account name XXXXDIVISION OF CHILD SUPPORT XXXX : Account number 74 .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. 
XXXX XXXX XXXX XXXX, WA XXXX No phone number available Address identification number XXXX Type Family Support Terms 1 Months Credit limit or original amount Not reported High balance $ 0 Monthly payment {$39000.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual EQUIFAX : Months Reviewed 26 Payment Responsibility INDIVIDUAL Deferred Payment Start Date Date Closed Date of Last Payment XX/XX/XXXX Scheduled Payment Amount {$39000.00} Actual Payment
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify : XXXX XXXX Account # XXXX This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two fraudulent accounts from Capital One Bank USA # XXXX in the amount of {$1100.00} & {$1100.00} that were disputed and removed from my credit report. They are now back on my credit report after my dispute was resolved and debts were removed. Per the representative at XXXX  they stated that Capital One Bank USA unblocked the debt and XXXX has no way of re-blocking the debt back. Which is odd because XXXX  have the ability to unblock and block accounts.
Product: Checking or savings account

My bank account and credit card was closed due to overdrafts when I know I was having constant deposits going to my account.
Product: Mortgage

Court Case XXXX XXXX was a foreclosure case between HSBC and XXXX XXXX XXXX and not XXXX although XXXX XXXX XXXX represented XXXX. 
We were summoned to Court on XXXX XXXX, XXXX dealing with foreclosure. We havedocuments from XXXX showing that your relationship began with XXXX as XXXX XXXX XXXX and not XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX before a Sheriff sale you verified your sale from XXXX to theFederal Reserve Bank XXXX XXXX dismissing your involvement with us. 
On XXXX XXXX, XXXX you appeared again with a Sheriff sale. 
XXXX XXXX, XXXX HSBC received confirmation of your Sheriff Sale. 
We have no reason to address XXXX because you stated on many times thatyou were the owner. You simply as the owner has been able to fraudulently XXXX XXXX Mortgage in XXXX in Ok ) sell property on ( XXXX XXXX different occasions and thereforewe scream XXXX jeopardy and mortgage fraud. 
We have shown that no mortgage existed and therefore believe that HSBC owes usour Truth-in- Lending amount from XXXX of {$480000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get these negative items that are inaccurate off of my credit report. I have received no requested responses from XXXX, XXXX, or Experian! 

XXXX XXXX Experian XX/XX/2022 Re : Account # XXXX # XXXX # XXXX XXXX XXXX Address is NOT my address ; please remove immediately Dear XXXX Representative : This is a formal complaint about a duplicate collection account appearing on my credit report. This inaccurate reporting is penalizing me unfairly and illegally ; and this is causing me distress as it is damaging my credit. 

Delete the account stated above immediately. It does not belong on my credit report as it is ( 1 ) inaccurate, ( 2 ) duplicate, and ( 3 ) outdated. 

I look forward to a swift and amicable resolution to this matter. 


Sincerely,
Product: Checking or savings account

Hello, I 'm disputing the {$89.00} I was charged on my Chase Debit card on XXXX XXXX 2017 for a transaction with the XXXX XXXX program. I selected a weekly pass ( {$29.00} ) on the machine, but was charged and given the monthly 30 day unlimited trips pass for {$89.00}.

I immediately stopped one of the XXXX  helpers at XXXX XXXX XXXX and she told me there was nothing she could do and I should contact the customer service for XXXX. Further, she informed me I was likely out of luck because XXXX does not do refunds under any circumstances because it is not in their policy.

I exchanged e-mails with customer service on the same day, please see below : Good Morning, Thank you for contacting XXXX XXXX My name is XXXX and I am more than happy to assist you today.

In order to investigate your issue, we will need the 20-digit serial number on the back of your XXXX  Card starting with XXXX.

Thanks for your inquiry and feel free to contact us at any time.

Sincerely, XXXX ( XXXX ) - - - Good afternoon XXXX XXXX Im not sure if you received my previous e-mail, my cell phone service is not working lately. Anyway below please find the XXXX Card number you were asking for.

S/N : XXXX XXXX XXXX XXXX XXXX Please advise when the refund is processed and how long it typically takes, Thank you again for responding back so urgently and understanding my unfortunate situation Best, XXXX XXXX -- - Good Afternoon, Thank you for contacting XXXX XXXX. My name is XXXX and I am more than happy to assist you today.

Unfortunately all we can do is convert the 30 day pass to the equal amount of trips. Is this something you would like to do?

Unfortunately, there is a No Refund Policy for unused trips/passes or for XXXX Cards as per our Terms & Conditions. You can read them on our website, XXXX One of the benefits of the XXXX Card is that neither the trips nor the card expire as long as your card is kept in good working condition.

Thanks for your inquiry and feel free to contact us at any time.

Sincerely, XXXX ( XXXX ) --  I was left with absolutely no options but to convert this unlimited monthly pass that I did not select to individual 30 trips. She tried to convince me to go through with it and asked me when I 'd be at the XXXX  next. However, I never deactivated the card or converted my trips. I am extremely disappointed with the services of the XXXX XXXX customer service. Corporations can not include " no refunds at all '' and have customers live with it. I dispute this {$89.00} charge and want a complete refund.
Product: Credit reporting or other personal consumer reports

I examined my credit report and observed inaccuracies in the listed accounts.
Product: Credit reporting or other personal consumer reports

I am writing to you to express my deep concern and frustration regarding the lack of response to the disputes I have submitted since XXXX of last year. According to the Fair Credit Reporting Act ( FCRA ), I have the right to challenge and correct any incorrect information that may be included in my credit reports.

I have submitted several disputes to their offices to correct the inaccurate information being reported in my credit reports. These disputes have been detailed and well-founded, complying with the requirements set by the FCRA. However, as of the date of this complaint, I have not received any response or action from any of the three credit bureaus. 

The FCRA clearly states that consumers have the right to a timely and fair investigation of any dispute they file. The lack of response from XXXX, XXXX, and TransUnion goes against these rights and puts me in a compromised financial position due to the incorrect information that continues to affect my credit history. 

I urge you to comply with the law and proceed with the corresponding investigation to correct and update the incorrect information on my credit reports. Additionally, I request that you contact me immediately to provide a clear explanation of the delay and the current status of my disputes. 

I understand the importance of maintaining accurate and up-to-date credit reports, and I trust that you will take the necessary steps to rectify this situation promptly and in accordance with the FCRA. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Debt collection

Two different charges appeared on my credit reporting in the amount of {$510.00} and {$520.00}. 

I contacted the company to dispute numerous of times and to have this information removed from credit reporting agencies. 

I have also asked to be provided with what photo ID and social security card was used at the time of obtaining such accounts. 

I have never lived at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card

I accidentally made minimum payment twice for the credit card to make sure they don't ruin my credit. I had assigned a future payment for the credit card which did not show at all in the option that says manage payments or pay option. When I asked for reversal of just one payment to credit card back to my checking account, the spokesperson told me it will take 3-5 business days for the wire transfer to appear on the account. In 2 days they charged me overdraft fee for {$50.00} and {$50.00} each to my credit card account. When I explained the problem to the lady, she told me she cant reverse the fees. If my payment of {$190.00} was reversed and returned via wire transfer why would I be charged additional fees besides what they have been leeching off from me ( atleast {$100.00} for interest charges ).
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my ChexSystems report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor NAVY FEDERAL CR UN is furnishing FALSE credit information to a third party ( XXXX ) to bring harm to MY consumer credit reputation aka defaming MY character. The consumer reporting agency XXXX is negligent in their duty to investigate this disputed information for NAVY FEDERAL CR UN opened XXXX XXXX for {$1100.00}, NAVY FEDERAL CR UN opened XX/XX/XXXX Is this a debt or an extension of credit? 
Is this an extortionate extension of credit? 
Can you provide me with a Bill of Assignment? 
Can you provide me with a Chain of Title?

Has insurance been filed for this account?

Has a 1099-c been filed for this account? 
Provide your Errors and Omissions insurance This is a notice to CEASE AND DESIST all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as disclosing or obtaining information of a customer by false or fraudulent pretenses constitutes a violation of the XXXX XXXX XXXX and aggravated identity theft 18 U.S. Code 1028A. Pursuant to 15 U.S. code 1666B it is impossible to be late on an extension of credit. XXXX is furnishing late payments on an extension of credit on behalf of NAVY FEDERAL CR UN. If a consumer is late on an extension of credit ( that ) is no longer an extension of credit. It is instead defined as an extortionate extension of credit 18 U.S. Code 891. Extortionate extensions of credit fall under RACKETEERING activity 18 U.S. Code 1961. If this account is not removed from my consumer report immediately I will be including XXXX in a XXXX along with NAVY FEDERAL CR UN!
Product: Debt collection

one day I saw that I lost XXXX points on my XXXX account a debt collector Firstpoint Coll RESO trying to collect on a debt that I do not owe them nor do I have a valid written contract agreement with a wet ink signature I am a natural man, I am a living human being, under 15 U.S.C.1692g it's no validation of debt that's one of the violations also another violation is 15 U.S.C.1692e false an misleading representation breaking these laws under FDCPA as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. They took adverse action against me and reported a collection to the credit bureau Section 808 ( 1 ) of the Fair Debt Collection Practices Act and Regulation F prohibit debt collectors from charging consumers pay-to-pay fees ( also known as convenience fees ) for making payments a particular way, such as by telephone or online unless those fees are expressly authorized by the underlying agreement or are affirmatively permitted by law 15 U.S. Code 1692f - Unfair practices, a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : This false entry has caused my credit score to plummet close to XXXX XXXX I reached out to the collection agency and was advised that they would look into the duplicate payment nothing happened this caused a negative impact on my finances and life leaving me with higher interest rates and denied an extension of my credit which caused an adverse action under the law I have rights under 15 USC 1681A ( K ) 1
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  XXXX # XXXX XXXX # XXXX - Balance {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX - Balance {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX - Balance {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX {$470.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$1500.00} XXXX # XXXX Unauthorized Inquiries : 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
Product: Credit reporting or other personal consumer reports

THIS IS A NOTICE OF DISPUTE. I AM SUBMITTING THIS COMPLAINT IN REFERENCE TO THIS COMPANY KNOWINGLY REPORTING INACCURATE DATA. XXXX XXXX CREDIT PROFILE IS AFFECTED BY THESE PENALTIES. THIS LOOKS SUSPICIOUS AND DECEPTIVE. REPORTING WITHOUT VALID PROPER DISCLOSURE REQUIREMENTS ARE IN DIRECT VIOLATION OF MY CONSUMER RIGHTS. I AM DEMANDING A DESCRIPTION OF THE DETAILS OF THE VERIFICATION PROCESS USED TO VERIFY THIS ALLEGED ACCOUNT. FEDERAL LAW REQUIRES YOU TO RESPOND IN THIRTY ( 30 ) DAYS.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.