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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

As a more than 10 years customer of Discover who gives big amount deposit, my account locked by unbelieveable reason. ( {$500.00} XXXX  transfer to my own account, same name ) I cant use my money for emengercy and can't close this account either. I didnot do anything wrong but their risk contral system keep lock me down. 

Discover asked me unlock my account by upload XXXX, however, i'm outside the United States for travel and there are no U.S. embassy nearby. When they try to send XXXX codes it also failed by their system rule. This is not my fault. 

I need use my money immediately and I tried communicate with them but they keep bring up this unreasonable request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received the attached simple reply from XXXX XXXX reflecting an investigation which they found no signs of fraud. Under FCRA requirements, how can the credit bureaus verify the consumers disputed accuracy of credit records they maintain when XXXX XXXX doesnt supply details and explanation of their investigation? PLEASE DO NOT RUSH TO GET RID OF THIS COMPLAINT AND CAREFULLY READ THE FOLLOWING TO PERFORM A PROPER AND ACCURATE INVESTIGATION. I had two XXXX XXXX cards stolen ending in XXXX and XXXX in XX/XX/XXXX. One year after theft, I received the attached letters on XX/XX/XXXX stating my dispute has been resolved in my favor without any explanation and cards were credited. Then on XX/XX/XXXX, I received the attached stating there was incorrect information and the account ending in XXXX was removed from my credit report again without any explanation. The account ending in XXXX should also be deleted. Children in high school can clearly see the inconsistencies and lack of organization skills.
Product: Student loan

I am writing to express my concern regarding the excessive interest charges on my XXXX loan. Upon reviewing my payment history and loan agreement, I noticed that I have paid more than XXXX times the original loan ( $ XXXX ) amount in interest alone ( $ XXXX ). This situation feels unreasonable and financially burdensome. While I understand the terms of the loan were agreed upon initially, the extent of the interest far exceeds what I believe to be fair or competitive compared to other lending options. It is disheartening to see that such terms heavily penalize borrowers and make it exceedingly difficult to pay off the principal amount. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about my credit score. The  XXXX  companies are  XXXX  and Equifax. I have established and maintained outstanding credit for over 30 years. I 've paid off  XXXX  houses ; bought and paid for several vehicles, appliances. Credit card usage is only 7 %. Otherwise, no problems excep t one. I h ave and outstanding collection in the amount of {$250.00}. By the way the collection is in dispute. Currently my credit scores are  XXXX  and  XXXX  respectively. As you are well aware, these scores are rated fair at best. Also, any loan available to me are at a much elevated interest rate. I spoke to  one of t he companies today. I voiced my concerns. Number  one, the  person on the phone was unquilified and unable to help me get to the bottom of my complaint. Numbe r two, I  asked to speak to a supervisor but was refused. The refusal, I bilieve, was because the person on the other end of the phne was sitting in a call center in  XXXX . The crux of my complaint is agencies that collect and report all my financial activity assigns a score that is religiously used by lending institutions. The methodology they use is unregulated and subjective. It suppose to represent an individuals tendency to repay. my track record is stellar. Yet, with a minor deviation I am placed in a high risk pool. Somebody needs to fix this.
Product: Credit card or prepaid card

I am enrolled in a debt management program that is called XXXX. HSBC is stating that my debt management company is not an approved agency which it is. The CEO of XXXX is handling this case. I am extremely dissatisfied with the way HSBC keeps on with not accepting XXXX as a recognized debt management company. They are charging an exorbitant APR and I am trying to do the right thing in enrolling and not declaring bankruptcy. Please assist.
Product: Payday loan

lender kept charging double the amount and on the wrong day. They did this three times so I had to block them from my bank. The refused to resolve the issues of overdrafts on my account because of this so I refused to pay them anymore money. Now they are threatening me.
Product: Credit reporting or other personal consumer reports

I am disputing unauthorized inquiries on my TransUnion credit report, which include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all dated XX/XX/year>. These inquiries were made without my permission, violating Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), which prohibits reporting unauthorized or unverifiable information. Despite my prior requests to TransUnion to remove these inaccuracies, they remain unresolved. I am requesting the CFPB 's assistance in enforcing my rights under the FCRA to have these unauthorized inquiries removed from my credit file.
Product: Credit reporting, credit repair services, 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 Home improvement with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX Real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$140000.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXXXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

DEPTEDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for home improvement loan due to the inaccurate information on my credit report.
Product: Debt collection

A person named XXXX called me and said this ( I have kept message ) " Good morning this message is for XXXX XXXX. My name is XXXX. I am calling in regards to a formal complaint and summons that was faxed to my office this morning. XXXX you have the opportunity to contact the plaintiff to resolve this matter voluntarily. They can be reached at XXXX. Refer to case number XXXX. XXXX XXXX. You have been officially notified. '' I called back and was hung up on for not providing my birthdate and told I was " breaching security. '' I called back and I was then yelled at and told that they represent Kay Jewelry and that I 'm being sued for fraud and theft for an unpaid {$220.00} debt on a credit card ( which was discharged in bankruptcy ). I explained the debt was discharged and I was told the debt could n't be included in a bankruptcy and that my only choices were to pay the debt today or file bankruptcy again. 

I was hung up on repeatedly when I asked for an address where I can send my papers. I was called " a child '' " irresponsible '' and a " thief '' and was told that I " racked up debt purposely '' with " no intention of ever paying the bill. '' I was told that a process server would be at my house the next day and that I would be arrested. When I asked whether Kay Jewelry was actually their client, they hung up on me. When I asked for information about their business, they hung up on me. 

This is obviously a scam and these people should be stopped. I am pretty tough, but this one rattled me. I would hate to think what would happen if someone unsophisticated or elderly received a call from them. They are terrorists.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX identified me as Borrower on Car loan and I never had a car loan and it shows as repo/negative remark on my credit report ( Equifax ) and I needed it removed off. XXXX XXXX XXXX even went as far as Taking me to Court on XX/XX/XXXX. 2019 But the judge ruled in my favor and said the debt didnt belong to me. I filed a police report prior to court for fraud and it was honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is in violation of the following sections of 15 U.S.C. 1681 : 1 ) 1681a 2 ) 1681b 3 ) 1681c 4 ) 1681e 2 ) 1681i On XX/XX/2018, Capital One made an  unauthorized hard inquiry on my credit for the purpose of auto financing. During this time, I was XXXX overseas and did not authorize anyone to make inquiries on my credit. I attempted to dispute this inquiry with Capital One as well as with XXXX  and they never removed the inquiries. Additionally, this inquiry, along with others by other corporations during this time, significantly and negatively impacted my credit score.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. 

Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My son XXXX wanted to pay off my car since he was XXXX in XX/XX/2017, helping the survivor victims in Puerto Rico. I have continuously received poor customer service from Citizens One employees over the phone and in person at the branch. My account number is XXXX, I have been given the wrong pay off balance since XXXX, I have gone into the branch and they have refused to accept the check my son sent me to pay off the car. In an attempt to finalize the car payment he went online and paid off the majority of the balance leaving a small balance of less than XXXX XXXX dollars. I went into the branch and was told that since the car was paid in full that they will stop taking the monthly payment funds out of my checking account. I was advised to mail in a check of the sixty something dollars to the pay off department. I did that and the bank went ahead and withdrew the full monthly car payment amount after the car was paid in full and cash in the XXXX XXXX dollar check that was suppose to be the final pay off. I disputed with my bank the unauthorized car payment deduction and now Citizens One bank refuses to send me my car tittle, they have sent me numerous letters one stating that my car was paid, then another one saying that they are sending me to collections and a third one stating that I have to pay for a replacement tittle for the car when they have never sent me the original tittle in the first place. I am a senior citizens and do not understand all this confusion, no one in the branch is willing to help me and over the phone I continuously get wrong information, pending balances and rude service. It is the banks responsibility to issue a tittle once the car is paid off, I have gone to the Motor Vehicle Department and was advised that the bank is issuing a lost tittle claim so I in return would have to pay XXXX XXXX dollars for a replacement tittle.This has been the worst experience of my life trying to get a straight answer to a pay off quote, if my car is indeed paid in full and to try and get my tittle to the car my son paid off for me so I wont have that bill.
Product: Credit card or prepaid card

I am writing because I am concerned with phantom charges by Capital One after an account is paid in full. 

Capital One continues to charge interest ( residual ) on a closed and paid-off account. On XX/XX/2022, I had a balance of {$2000.00}, and I paid this entire amount. 
The payment due date is the XXXX of each month. 
The XXXX statement balance was {$2000.00}. 
On XX/XX/2022, I paid the entire balance for a XXXX balance. 

On XX/XX/2022, I received a statement showing a balance of {$11.00}, and this interest was charged to me on a zero-balance account. 
The explanation I was given by Capital One Customer Service is this residual interest from the previous billing for XX/XX/2022. And it takes two billing cycles for an account to be cleared and have a zero balance. My XX/XX/2022 payment was {$61.00} ; I paid {$100.00} on XX/XX/2022, and the remaining balance was {$2000.00}. 
XX/XX/2022, the statement balance is {$11.00} on an account that was paid off, and there has been no activity on this account because it has been closed for more than XXXXhree years. Capital Ones explanation for this new balance is unacceptable.
Product: Credit card or prepaid card

Net Spend tells me I had a net spend western union account i was also assaulted and robbed and my finances where robbed from me i have multiple accounts i would like all information about my accounts i can see money transfered from one card to another I have reached out to XXXX XXXX this has been going on for 7 years and its all 3 netspend corp net spend pay pal  and net spend western union
Product: Checking or savings account

Pendfed this week double paid all the bills I paid and then took the money back. Which in turn didn't pay my bills. Also they charged me over draft fees. They gave the fees back. But all the bills I paid says they didn't get paid and they are charging me return fees and late fees. Which pedfed is not taking responsibility for nor offering to credit me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian after I purchased a credit report from Experian.com on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Name : XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX Account : XXXX XXXX BANK XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit XXXX  : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account 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. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these items are inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been showing three hard credit inquiries on my credit report with all three major credit agencies including XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, with XXXX credit reporting ... ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX with XXXX Credit Reporting agency and XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX all with Experian Credit Reporting Agency.I have never filled any applications out with these companies nor have I ever provided a authorized signature with any of these companies to run my credit as these need to be removed from each credit agency accordingly and in conjunction with the FCRA.Will you please help me get these removed from all three credit reporting agencies as I did not authorize any of these inquires? Thank you for your help and time in resolving these matters. XXXX XXXX
Product: Debt collection

I contacted XXXX that I would need to end my service agreement because I was in a car accident and wouldnt be able to work. At the time they agreed that they wouldnt charge me a cancellation fee, and to return the equipment. I did. The bill was gone over to me at around a {$300.00} balance, which was the final bill.They also said I was billed for months after I cancelled due to not returning the equipment, and when it was returned i would be credited. They told me someone would be calling to collect. I wrote to them on their boards plus called a million times over, to adjust what was promised. Then, all of a sudden the bill got larger then what I originally had. They said that I didnt return the equipment and had to open up an investigation. I did return the equipment, and had the drop off confirmation very early on in this whole roller coaster. So they adjusted the bill again. Then I called to pay it and the bill went up again, this time with bogus charges that they placed on my billing plan saying I was charged for things that were not a part of my plan to begin with. I have told them I am fine with paying what was promised but they have added {$300.00} in plus fees amounting to a {$550.00} in collections, when my monthly bill was up to date and only a measely {$70.00} to begin with, I have had promised phone calls back from management, and they never call. Plus the waiting time to talk has been well over an hour every time with never any notations added to the account as promised either. Which is very unprofessional to have to go over the case each and every single times with promises to resolve and its left unresolved. They promised me my account would be credited properly as well as no fee for canceling the service since I was in the hospital, and they re-nigged on the entire agreement and now their collection company is reporting to my credit causing havoc and un-allowing me to obtain financing. Its wrong and unfair to do business like this. Please help thank you
Product: Credit reporting or other personal consumer reports

Please see the True bill attached for violation of account XXXX XXXX XXXX XXXX and delete from my credit report XXXX XXXX XXXX because you are reporting inconsistent information. XXXX last reported is XX/XX/24, XXXX last reported is XX/XX/24, and XXXX last reported is XX/XX/24. You were notified over 45 days ago in a letter that was sent certified mail that you were in violation, and I was pending litigation seeking relief and monetary compensation under FCRA 15 US Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. The dispute letter, which is dated, and time stamped, is attached. I am filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. See the attached dispute letter, which is dated, and time stamped and the response letter from the company.
Product: Credit card or prepaid card

XXXX. I rented a car in XXXX, XXXX in XXXX of 2023 and declined insurance ( cdw ) as instructed by the card to obtain coverage provided by card. Chase Sapphire XXXX XXXX. I accidently brushed by a metal pole and damaged the car, immediately reporting it to card, taking photos, returning car and PAYING OUT OF POCKET FOR DAMAGES more than {$1300.00}. 
XXXX. I have been diligently providing documentation as requested ever since, attempting to obtain reimbursement from the " XXXX Services '' people. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Tel : XXXX opt. XXXX Fax : XXXX E-mail : XXXX XXXX
Product: Money transfer, virtual currency, or money service

In XXXX, my Cash App account was hacked, leading to unauthorized transactions and a breach of my personal information. When I discovered the fraudulent activity, I reached out for help using the support icon in the app and attempted to dispute the transactions. However, the resolution provided by Cash App was unsatisfactory, as I was only advised to set up a new Cash App handle and card rather than receiving meaningful assistance in recovering my funds or securing my account. I also want to highlight that, not only did I not get my money back, but there was no accessible way to speak with a live representative. The only support option available was through the in-app chat, which was insufficient in resolving my concerns. I believe this incident highlights the weak security measures within Cash Apps systems, which allowed fraudsters to access my account and caused significant financial loss and inconvenience. This aligns with the broader concerns raised by the CFPB regarding Cash Apps inadequate protections against fraud. I am seeking accountability for the financial loss and the disruption this incident caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two hard credit inquiries I am disputing. The first is from XXXX XXXX, XXXX for a credit card from XXXX XXXX XXXX. The second is from XXXX XXXX, XXXX for a credit card from XXXX XXXX. Both of these were not authorized by me and were done by someone else fraudulently. I called XXXX XXXX XXXX to terminate the card and I have had no contact with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX on XXXX XXXX regarding a late payment that was reported for XX/XX/2022. Representative researched issue and stated I have never had a late payment on this lease, that it has to be credit bureaus issue. She gave me the phone number for the credit bureaus but was unable to reach a real person.