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

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$6200.00} USDOE/XXXX XXXXXXXX US DEPT ED XXXX Balance Owed XXXX {$2300.00} DP OF EDUC XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021
Product: Credit card

On XX/XX/year> I brought in a dog to XXXX  on behalf of XXXX XXXX. 

Immediately upon entering the building they ask the question do you authorize us to charge you for treatment. 

My response was this dog is owned by somebody else, please scan the chip she is taking full responsibility for treatment costs. 

A few minutes later I asked how the dog was doing and staff refused to give me any information. They stated because the dog is not yours and weve scanned the chip and confirmed ownership by another person, we can not give you any information about a dog that isnt yours. 

They made it absolutely 100 % clear that they were aware the dog was not mine in any legal or financial capacity. Furthermore they confirmed with me that they were speaking with the owner and had specifically gotten approval for treatment from her. 

Several weeks later, I got an email showing an invoice for this dog with both my name and XXXX name on it that was asking me to give them a signature, but assumed it was a mistake since it was not my bill. I did not sign this bill. 

Shortly after that I noticed that even though I did not sign their invoice, they decided to charge me for the balance anyway using credit card information from my separate account which they had on file, completely without my permission. 

They refused to refund me, then Chase Bank denied my dispute twice stating that because my name is on the invoice it must be my bill even though it also clearly shows the actual responsible individual. 

Im currently without {$1500.00} that theyve taken from me due to this issue, please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called to Experian and requested to have old addresses removed from my report. According to the Fair credit reporting act I have the ability to dispute these erroneous mistakes of addresses that are causing these negative items that do not belong to me to report on my credit. This is causing me great harm and stopping me from getting my home. I want these addresses removed ASAP.
Product: Credit card or prepaid card

I ordered 3 of the same product ( outdoor floor mats ) from XXXX on XX/XX/20. I only received 1. I attempted to contact XXXX and XXXX but was unable to find any way to resolve. I contacted Capital One to dispute the amount for the 2 items not received and was told I would receive a credit while in dispute. XXXX tells me it is resolved. I received letter from Capital One today stating that they gave me credit and have resolved the issue and are putting the {$46.00} back onto my account BUT I NEVER RECEIVED THE CREDIT FOR THE DISPUTE! When I try to get on the phone with anyone, I wait for over an hour and then get transferred. This is a small amount but I refuse to pay for something I did not receive and am tired of XXXX and Capital One giving me the run-aroound.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Credit reporting

XXXX times I 've tried ( with different browsers - XXXX and XXXX ) to obtain my credit report. The last time I received my credit reports was probably 2 years ago, so I 'm certainly within my time frame right. Even after resetting XXXX browsers ( deleting all cookies and history and restarting my computer ), AND FILLING OUT ALL THE INFORMATION, THEN TAKEN TO A XXXX PAGE WHERE THE INFORMATION WAS CONFIRMED, I received an error message that my request could not be completed. I was then directed to a phone number to obtain my credit report. After going through the tedious and time consuming process of entering all of my information on the phone when I reached the point where I was provided the opportunity to order my credit reports, the system prompted me to enter XXXX for XXXX of the company reports - I do n't remember which, Experian, XXXX, whichever, XXXX for the next, XXXX for the XXXX ( I 'll call them x, y and z for the balance of this text ). I pressed XXXX ' and there was silence. After a long wait the system repeated - as if I 'd never pressed a key - " XXXX for x, XXXX for y, XXXX for z. '' This time I repeatedly pressed and spoke " XXXX. '' Again after a long wait the system repeated the question again : XXXX for x, XXXX for y, XXXX for z. I hung up and tried again through the whole process. This time after finally reaching the point where the system prompted me I repeatedly pressed XXXX. ' I THINK the system recognized my input because I then received a prompt for " Press XXXX for another report, XXXX if you are finished. '' I pressed XXXX repeatedly and received the response " thank you, good bye. '' Clearly, the 'Free ' is not forthcoming. The on-line system failed and the phone system that I was directed to failed as well.
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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking 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. 
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 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 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 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Checking or savings account

I am writing a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred despite having sufficient funds and transactions were authorized. I was charged fees due to lagged posting of charges and credits this issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions were settled with insufficient balances, despite initially available funds, I believe these practices are unfamiliar and request an investigation into my account transactions
Product: Credit reporting

On XXXX XXXX, I requested my free credit report from Experian using their webform, and received the following error : " We 're sorry '' / " A condition exists that prevents Experian from being able to accept your request at this time. '' / " To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. '' I mailed a request the same day, on XXXX XXXX. On XXXX XXXX, I again tried to retrieve my report using the web form, and received the same error. ( I can not recall ever, since the first launch of the free annual credit report site, successfully retrieving a report from Experian online. ) It has now been more than three weeks since I mailed the paper form, and no paper credit report seems forthcoming either. I understand that Experian is required to comply with my request within 15 days, but I allowed 3 weeks as suggested by the CFPB site. At this point I am going to try again, sending the form by Certified Mail. I do not feel that I should have to go to such lengths to obtain what the law says Experian must provide me.
Product: Debt collection

A lawsuit was filled in the county court for a debt that I have never received written notification for. When I go on my credit report, its there but with vague information, not saying anything other than XXXX, which I had one account with that was taken care of years ago. It also states that this account was opened on XX/XX/XXXX but the date of first delinquency is XX/XX/XXXX.
Product: Debt collection

CHAPTER XXXX BANKRUPTCY ( USBK COURT XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX when I lost my job I got behind on my student loan at XXXX/XXXX. The loan then went into default. My loan was passed over to a collections loan company with the option that it could be repurchased by XXXX when I made 9 consecutive payments. I was also told that the XXXX late finding would be removed. I made the payments and then the loan went back to the regular lender. However the XXXX  late fee was never removed after many requests. Finally in XX/XX/XXXX the loan was consolidated by XXXX. However XXXX still will not remove the XXXX late fee. Recently, while checking my credit report I saw that XXXX XXXX has reactivated the loan and is saying that I owe {$13000.00} - although XXXX has purchased my loan at its in consolidation. How can my loan be in consolidation with XXXX AND owe {$13000.00} at the same time?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept Of Ed/XXXX XXXX XXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX Dept Of Ed/XXXX XXXX XXXX XXXX ; Dept Of EdXXXX 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

Date of first delinquency XXXX of 2017. This debt is WELL PAST the 7 years. However, XXXXXXXX XXXX  seems intent on updating it every month despite this which is not only illegal, but it is destroying my ability to purchase property. I have called XXXX XXXX  on numerous occasions and they have responded with threats to my credit unless I pay EVEN THOUGH IT IS PAST THE SEVEN YEARS they refuse to stop updating it every single month. ACCORDING TO LAW IT NEEDS TO BE REMOVED FROM MY CREDIT REPORTS IN FULL yet they are refusing too. This is punitive.
Product: Credit reporting

I settled an account with XXXX over a year ago. They have sent XXXX different collection agencies after me. Both agencies apologized after I submitted proof, but it is still there. We ca n't buy a car or get a credit card we need. I need it removed or corrected.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, we found there was an unknown/unauthorized XXXX transfer of {$1800.00} out form our US Bank XXXX account, account number XXXX. The transaction was on XX/XX/year>. We called US Bank immediately to report this fraud transaction. The associate asked us to go to a US Bank branch. So we went to the US Bank branch ( XXXX XXXX XXXX, XXXX, XXXX ) immediately to report this fraud transaction again. US Bank closed this bank account, but didn't return the money.
Product: Vehicle loan or lease

I recently reviewed my credit report and discovered unauthorized inquiries that I did not initiate. I became aware of these unauthorized inquiries on XX/XX/XXXX when I checked my credit report from XXXX, XXXX and XXXX. The inquiries were made in XX/XX/XXXX.
Product: Bank account or service

I want to call attention to what I consider to be a load of XXXX. Currently, my checking account shows a direct deposit from my employer on XXXX XXXX ( today being XXXX XXXX ). Normally, I would not think anything of this, however it shows that amount as being available now. 

The last time this happened, I took Citizens Bank at their word, and operated under the belief that my money was mine to use. They proceeded to hit me with {$100.00} in overdraft fees - for using money that they told me ( via their website ) was available. Out of the kindness of their collective heart, they refunded {$35.00} when I complained. 

Now I see the same thing happening. However, I 'm smarter this time. I consider this practice to be deceptive and predatory. They 're dangling the carrot out in front of me, waiting for me to take a bite so they can charge me a bunch of fees. How is this even legal? 

As a XXXX Bank customer, I demand an explanation for this wolfish practice. If there is no resolution, my wife and I will be taking our business elsewhere. I attempted to submit this message through XXXX Bank 's secure message site, but it was rejected for " exceeding the limits ''.
Product: Credit reporting or other personal consumer reports

I am trying to obtain a pre-authorization for a mortgage. On the report obtained by XXXX XXXX XXXX, using a third party ( XXXX - Phone # XXXX ), on which it says the information shown was obtained by the Experian credit bureau, there was a significant amount of incorrect pieces of information, including 4 or more late payments that did not occur ( I am only saying 4 or more now because, despite trying, I have been unable to get a complete understanding of why/if these errors are actually on my Experian report. 
There is a lot that is hard to understand about my situation. 
I have confirmed that the inaccuracies are not on my XXXX or XXXX credit reports ( up to date ). 
As for Experian, since I have a membership, I was able to cross reference the report provided by XXXX and my " up to date '' Experian report on XXXX. Of the 4 " late payments '' that were reported within the last 6-months, representatives told me they were not visible to them. They said I do not have a late payment reported, despite me seeing he late payment provided by their bureau. One of the late payments that was visible to the representative was reported in XX/XX/XXXX, despite the account being closed in XX/XX/XXXX. When I questioned how this was possible, the representative agreed it is not, and is a mistake. However, despite calling three times on XX/XX/XXXX, each time the representative tried to connect me to the " dispute department, '' the call ended. Thus, I have not been able to dispute these discrepancies.
Product: Checking or savings account

TRUIST BANK allowed a person to open a account in my name without my concent 2 deposit s were made under this fraudulent account.1.for {$2100.00} and another for XXXX. Done nothing but ruin my credit
Product: Debt collection

I received notification from XXXX regarding not receiving he equipment. I emailed a copy of the tracking information, and I thought everything was fine. 

Then I get a notice from a collection agency that that has charged fees for the uncollected debt. I refuse to pay either of them as equipment has been returned. 

Please see attached
Product: Checking or savings account

We were supposed to get our direct deposit on XXXX XXXX XXXX. However, as of today we have not received it. Here is an email we got from the bank : Sign in to your account Sign in Capital One System issue impacting deposits, payments and transfers Valued customer, Starting XXXX XXXXXXXX XXXX, Capital One began experiencing a disruption impacting the processing of some deposits, payments and transfers, which is due to a technical issue with one of our service providers. 

Specifically, this has delayed processing of some transactions including direct deposits and XXXX XXXX credit for direct deposits, as well as electronic payments and transfers ( XXXX ). 

Were working closely with our provider to resolve this issue and restore processing as quickly as possible. We expect services to gradually begin to return to normal throughout today and the majority of issues to be resolved by Friday morning. 

Once the systems are restored, we will process all deposits and other transactions that have been delayed. You will be able to see those deposits and other transactions after they have posted by visiting XXXX online or through the Capital One Mobile app. For additional servicing assistance, please call us at the number on the back of your debit card or visit a Capital One Branch or Caf.

As always, we appreciate your business and apologize for any inconvenience that this disruption has caused you. We assure you that we are taking this event very seriously. 

XXXX reports that this was due to XXXX XXXX 's data center having a power outage. But it is unacceptable that Capital One would let this delay payment of direct deposits that people like us depend on to pay our bills. We could incur late fees, etc. due to this. It is also unacceptable that XXXX XXXX would not have a back up power source to keep their data center running when dealing with such sensitive funding for consumers like us.
Product: Vehicle loan or lease

On XX/XX/XXXX, First Investors Servicing added {$220.00} to my balance under XXXX ( non-sufficient funds fee ). The reason for this amount was due to a XXXX DMV registration fee that was included when I refinanced this car. The fee was not due to XXXX. 

I continued making my monthly payment of {$280.00} and would pay extra every month to pay off the {$220.00} balance. 

On XX/XX/XXXX, the balance of {$220.00} was completely paid off. 

I continued making my monthly payment of {$280.00} and I continued to may extra payments every month ( now ) towards the principal balance. I called customer service several times to inform them that I would continue making additional payments ( in addition to my regularly monthly payment of {$280.00} ) and I wanted those additional payments to be paid towards the principal balance. 

First Investors Servicing has not applied those additional payments towards principal rather simply applied it towards my monthly auto payment. As a result, I'm XXXX months " ahead '' of my regularly monthly payment. 

Example : Statement for XX/XX/XXXX l payment due date is : XX/XX/XXXX I simply requesting for First Investors to apply any additional payment ( after monthly regular monthly payment ) towards my principal. The company has told me that their system doesn't apply additional payments towards the principal balance.
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 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, and XXXX XXXX XXXX COMP, 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