23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been a XXXX card owner for many years. The amount is high, and have been paying $ XXXX XXXX each month. In XXXX, XXXX, I inadverntly paid another XXXX 2 X and thought I 'd paid XXXX. Statement of XXXX, showed {$37.00} overdue. XXXX, I paid {$40.00}. XXXX, XXXX, demanding {$120.00}. A call from them was received. I went through this with XXXX several years ago. After I read that your agency settled with them over too much interest, my gas card had {$200.00} credit on it. I feel the same old thing is going on with XXXX. I do not use the card now because of what I owe on the bill. I had been paying regularly until the XXXX incident.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> i sent an XXXX wire tranfer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the wire was received by XXXX on the XXXX of XX/XX/year>, this wire had a reprimand due to a misspelling of the beneficiaries name, XXXX contacted the beneficiary and questioned what the wire was for, the wire was rejected by XXXX not because of the name being misspelled but because of the reason, the reason being that the beneficiary was a third party in a vehicle purchase and it is against XXXX 's policy to release wires to a XXXX party. On the XXXX of XX/XX/year> the Beneficiary informed me that the wire had been sent back to the sender being myself. But as of the third I do not know where my money has gone, Wells Fargo NY was used as the intermediary bank and XXXX has messaged them numerous times now for an update with no avail. 

I have called since the XXXX of XX/XX/year> to XXXX XXXX wire department for an update, the best they have been able to do is send messages to XXXX and Wells Fargo XXXX neither bank has responded to any of these XXXX  messages and I am completely lost as to where my wire has gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Checking or savings account

I disputed over XXXX dollars worth of unauthorized charges on my account from the company XXXX to my bank Chase . Chase conducted an investigation and said they were reversing my credited charges but I do not have a sufficient explanation. I have not used XXXX, all the dates shown have no correlation to me using the platform. Chase wont give me more detail into their decision
Product: Student loan

On XX/XX/XXXX, I received an email from Sallie Mae stating that my billing statement was available online. I clicked the link in the email to view my billing statement. The page that opened said " Bad Request. '' I tried again on XX/XX/XXXX and XX/XX/XXXX, with the same result. I can not access billing statements by logging into my account at www.salliemae.com. The only way to access billing statements and other correspondence with Sallie Mae is through the link in the email. With other lenders or servicers, I can access billing statements and other correspondence by logging into my account at their website, but the same is not true with Sallie Mae. It 's very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed erroneous and damaging information being reported on my Credit Report with the CRA 's and they did not legally and in its full entirety investigate my disputes. I am demanding that a complaint be filed against these companies for willfully not following the law according to the FCRA act.
Product: Debt collection

XX/XX/year> - I called the law office with the Amsher Collection Services collections back to let them know the bill was paid & she said " you spoke to someone else '' & then questioned if I made a complaint ( after I made an initial complaint to cfpb ). XX/XX/year> - over the phone she would not accept my proof of payment.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called all 3 credit bureaus about these hard inquiries that appeared on my credit score.  I've spoken with consumer service and they did not do anything. All year long I have been fighting these hard inquiries and recently notice more duplicate inquires and some that re-appeared from 4 years ago. 

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: Consumer Loan

I took out a auto title loan with Cash Call and was given more then I could qualify for and rushed thru the rates which are illegal. They gave me a {$10000.00} auto loan with rates over 200 %. Yes that is correct an auto loan with over 200 % rates. I was at a bad time in my life and going thru XXXX issues and they took advantage of that by skimming quickly thru the papers and having the money on the counter while I was signing to distract me from the papers. Well I made a couple payments and then couldnt make the {$1100.00} a month payments on a 72 month {$10000.00} loan. I have been disputing this as an illegal loan with XXXX and the other XXXX bureaus with out getting it removed. This is effecting me from being able to get mortgage licensing and costing me big time. I need this removed from the credit bureaus as this illegal loan should not be allowed to post to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my report. DESPITE MY SUBMISSIONS, Equifax consistently responds within 24 hours stating the account is accurate. With out providing any evidence of thorough evidence. The company violates the fair credit reporting act ( FCRA ), 15 u.s.c 1681i, which mandate 's a reasonable investigation of disputes. furthermore, Equifax actions may also contravene the consumer the consumer financial protection act ( cfpa ), 12u.s.c 5536 ( a ) ( 1 ) ( a ) - ( b ), as highlighted in the cfpb 's recent administrative proceeding ( file XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Credit bureau : Experian XXXX XXXX XXXX Account Type Collection Balance {$14000.00} Date Opened XX/XX/2023 Credit Bureau : XXXX XXXX XXXX XXXX XXXX XXXX Collection Account {$14000.00} XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX account type : open account Balance : {$14000.00} Date opened : XXXX XXXX
Product: Checking or savings account

Hello, Im having a weird issue with my bank. 

i received money through XXXX  from my boyfriend ( {$1000.00} & {$1500.00} ). & now my account is displaying a message saying your account is temporarily unavailable i called the Bank & was told that someone named XXXX was working on my account and i called him directly XXXX XXXXXXXX, left a message him and havent heard anything back from him yet. its been multiple days and i still dont have access to my account or my funds. this has been a terrible experience so far with US BANK. Not sure why my account is on hold but i would absolutely love to hear from someone that can get this resolved.. havent had any issues besides this. i feel as if nobody cares to help me fix my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my XXXX credit report and noticed Inquiries which I did not give authorization. The inquiries in question are as follows : XXXX bank credit cards. XXXX date XX/XX/XXXX XXXX bank credit card. Inquiry date XX/XX/XXXX Cap One NA bank credit card Inquiry date XX/XX/XXXX XXXX XXXX XXXX bank credit card. Inquiry dare XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX credit card. XXXX date XX/XX/XXXX XXXX bank credit card. XXXX date XX/XX/XXXX XXXX XXXX XXXX reseller. XXXX date XX/XX/XXXX XXXX Mortgage reporters. Inquiry date XX/XX/XXXX I have reached out to the companies who pulled my credit report as well as XXXX to resolve this act of FRAUD, but to this date I have had no resolution from either party. I want these FRAUDULENT, unauthorized inquiries to be deleted from my XXXX credit report. They are damaging both my credit rating as well as my fear of being a victim of Identity theft.
Product: Debt collection

Received a letter from Stoneleigh Recovery Associates LLC and trying to collect the balance due for XXXX that has been resolved for so many years ago.
Product: Credit reporting or other personal consumer reports

Good Afternoon to whom this may concern I still have questions regarding my account. I was unaware of the status of my account until it showed up on my credit report as of the end of XXXX. I have spoken with several representatives and sent emails regarding these issues. I was told that Navient does not report good standing to the credit agency and that my status would be that way for the next 10 years. That is why I disputed with the agencies. I guess I was misses informed by my lawyer because I was told that this account was included in my bankruptcy and that they could be discharged because federal loans can be included in a person 's bankruptcy if the Judge agrees. I also was informed that Navient is not a federal agency so that's why my loans became due, but then I'm told that these are federal loans. If these are federal backed loans or federal loans, repayment did not go into effect for federal loans until XXXX so why was I hit with late payments? It also comes at a time when I'm trying to secure housing for myself and children, and everyone knows they use your credit score. ; due to these repeated past due charges I can not find housing. This is very devastating to myself and my family. I'm XXXX yrs old and to have to go live with a parent in a XXXX apartment with XXXX kids is totally embarrassing. In the past I have never been late with any of my student loans, and I feel this is very unjust. Navient has not reported anything to the credit agency regarding these student loans for years, then all of a sudden late and dropped my credit score XXXX points crushing my dreams and belief in the federal systems. Last question : How is it that if this is not a federal loan Navient can use the federal IDR for these loans. This all is not fair, and it is ruining my life. I've been told that Navient could remove the late payment status with a Goodwill letter. Is this possible in my case I have completed all forms needed for IDR and also looking to consolidate these loans, so this confusion doesn't happen again. Navient does not tell the truth 1 rep says these are not federal loans the next rep says these are federal so why doesn't the federal law apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

ISSUE : I Temporarily lifted freeze from myequifax account, on XXXX for 1 day. So, after 1 day ie. on XXXX XXXX, the report should have been on frozen again automatically but as of today it still has the temporary freeze on and MORE IMPORTANTLY, it is no longer allowing me to manage my freeze online ( ie. does not allow temporarily lift/freeze ). See the attached Images - after the 3rd image, XXXX - on the next page if I proceed to choose temporary lift for current dates, it does not work and gives an error and shows the 800 number to call custsomer service. 

DETAILS : When I logged in to myequifax account on XXXX XXXX, because I temporarily wanted to lift FREEZE again for a day, I noticed that on the sidebar ( see images ) it said that " You have temporarily lifted your Equifax Credit freeze UNTIL XX/XX/2020 ''. I tried to " Manage Freeze '' and it would not work and asked me to call the 888 number. On the following day, I still tried about 3-4 times to tempoarily lift freeze for a day and it would not work - after I selected the dates and temporary lift option and submitted, it would not worka and showed the 1-800 number to call for support. I called the phone number and tried to see if I can use their phone system ( which I had used a couple of years ago to manage freeze ) but the phone system also had the same issue and would not work. I then called their support center and after several hoops through the automated phone system where it will ask security questions after personal info, I answered and it put me on hold and a few minutes later I got disconnected. I subsequently tried again twice and both times it asked me " irrelevant security questions '' ie. nothing that pertains to my credit profile ( this happens quite often with their system even while doing online applications ) and it would not approve and then after the third time it said I would have to write. I still tried again and called one more time to see if I can talk/explain the issue to an agent ( call Refrence # XXXX - XXXX XXXX EST ) but since I did not answer the security questions correctly during automated call she said that my only option is to write or fax them. 

Since it was the end of the year/weekend/holidays I thought may be they will update their systems ( obviously it is a software glitch ) when within the first working week or so when they get back to work but here we are today the XX/XX/XXXX, I logged in and it still shows the same message and I tried once again to temporarily lift freeze for a day and as explained above the same thing still happens and asks me to call the 800 number. I want to mention that this exact issue happened almost 2 years ago Complaint # XXXX also at the end of the year, when I was managing freeze by telephone ( in the response they wrote it is better online ) and later they fixed the issue a few days in to the new year but now it has been over 1 month in to the new year already and over 1 month since my last temporary lift.
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. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Name : XXXXXXXX XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer 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: Credit reporting or other personal consumer reports

THIS IS AN ADDED DISPUTE TO THE DISPUTES THAT WAS SUBMITTED ON XX/XX/year> ... XXXXADD THIS DISPUTE. ALSO, THERE'S an unverifiable hard on my report that needs immediate attention. I WANT ALL HARD INQUIRIES THAT ARE NOT LINKED TO AN OPEN ACCOUNT REMOVED/ TERMINATED. 
XXXX XXXX XXXX ( Acct # XXXX ) TERMINATE/ UNVERIFIABLE ACCOUNT NO CONSENT AND INVADING MY PRIVACY XXXX XXXX  XXXX Acct # XXXX ) TERMINATE/ REMOVE IMMEDIATELY FALSE DATA ENTRY XXXX XXXX ( Acct # XXXX ) TERMINATE/ UNVERIFIBLE LATE PAYMENT DATA ENTRIES YOU COMPANY HAS LAWS AND REGULATIONS THAT MUST BE RESPECTED TO ALL CONSUMERS UNDER **Failure to Provide Verifiable and Accurate Documentation ( 15 U.S.C. 1681i ) ** Charge-Off Violations and IRS Guidelines ( 26 U.S.C. 6050P ) Under IRS - _ - - Code 26 U.S.C. 6050P, creditors must issue a 1099-C for charged-off accounts if the debt was canceled or written off. If your agency is reporting a charge-off without providing a 1099-C, this constitutes fraudulent misrepresentation. 
If insurance was claimed on these accounts, the balance must legally be reduced to {$0.00}, and reporting otherwise is a violation. 
- You must provide original signed contracts, payment history documentation, and proof of ownership of debt per Metro 2 Compliance guidelines. If you fail to produce such documentation, the law mandates immediate deletion. 
**Unauthorized Use and Sharing of My Data ( 15 U.S.C . 1681b, FCRA 604 ) - My personally identifiable information ( PII ) has been used and shared without my express written consent. This violates FCRA 604 ( a ), which limits the permissible purposes for accessing my credit report. 

- Metro 2 Compliance and UCC prohibit the improper sharing of consumer data, mandating that any unverifiable or unauthorized data must be immediately deleted. 

**Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681s-2 ( b ) ) As a data furnisher, the burden of proof lies with your agency to provide verifiable, lawful documentation proving the validity of these accounts. 

If you can not provide direct, certified documentation proving the legitimacy of these reported items, you are in violation of 15 U.S.C. 1681s-2 ( b ), and you must delete and block these accounts from my report immediately. ( CDIA # XXXX ) certified your company is not in compliance with the law. 
***FALSE DATA ENTRY*** Unauthorized Hard Inquiries I have one auto loan and was approved for one vehicle, not multiple vehicles. I did not apply for multiple cars. 

Please immediately remove and delete all hard inquiries that are not linked to an open account, or I will pursue litigation for false data entry and damage to my creditworthiness.
Product: Debt collection

This debt has been ongoing with no bill ever received, no form ever received for amount, never called. I have asked for a itemized bill and nothing received but documents on XXXX/XXXX/2016 that I received a " bill '' and attempts to settle were " mailed to me. '' What I have received is Explanation Of Benefits '' but never a bill which this document states, This is not a bill. '' Furthermore I am attaching documentation of their correspondence with me and still no explanation or itemization of bill from services rendered and I am being accused of owing and which is falsely on my credit report as these agencies buy old debts and try and collect without proper documentation or notification to a client that in fact a debt is owed and added to their report. This is illegal under these terms.
Product: Credit reporting or other personal consumer reports

Experian is reporting false/inaccurate information on my report and has refused to correct their error. The are reporting XXXX INCORRECT names associated with me ; some of which I reported as inaccurate several years ago and they removed it back then but have recently attached the incorrect names to my correct file. Thereby reporting inaccurate information and hindering my ability to thrive. They are reporting XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX as names associated with me and I have never been known by these names. 
They are also reporting false/incorrect addresses associated with me and despite my request to remove the incorrect addresses they refuse. I have never lived at XXXX XXXX XXXX XXXX GA XXXX, or XXXX XXXXXXXX GA XXXX or XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXr XXXX XXXX XXXX XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get three credit bureas to send validation on accounts on my credit reports only to get reports back saying that the accounts have been verified. This is not validation. Asking for signed documents of my signature on accounts that have been disputed by me. Accounts were disputed three times since XX/XX/2018 thru XX/XX/2018 and credit bureaus say they are verified. Need validation on accounts or remove from credit report. Equifax : XXXX XXXX judgement for possession of apartment only, no money judgement by court, this account is reporting as deceptive and unfair practices. 
XXXX XXXX no validation, statement is account has been transfer/sold. XXXX XXXX no validation on account creditor sent out deferred payment agreement on account that has not been validated.XXXX has same accounts XXXX XXXX, XXXX XXXX, XXXX   XXXX, and also Bankruptcy chapter XXXX that I have letter from Bankruptcy court that they do not verify information with credit bureaus.I also have placed a freeze on XXXX.XXXX has XXXX XXXX, XXXX XXXX, XXXX  XXXX, and Bankruptcy chapter XXXX. Documents attached. Thank You. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted various pieces of evidence to these companies showing these accounts were frauduent or incorrect. I have been dealing with this for several months, and the agencies are using illegal practices not reviewing my information and documentation. They have also claimed they never received my letters, or simply tried to verify them throught the E-OSCAR system. My credit has suffered as a result, and I am making you all aware before I seek counsel against these agencies for the distress this has caused me.