23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

on XX/XX/22 I booked adventure trip to XXXX with XXXX XXXX. They used a XXXX part XXXX XXXX XXXX, I paid via Discover Card XXXX and on XX/XX/22, 3 days prior to departure, XXXX XXXX told us XXXX XXXX didnt pay them, or the travel agents, hotel, food nothing so we could not go on the trip. I immediately filed dispute as did my XXXX traveling friends all XXXX of them won disputes with their credit cards, I am the only one that lost dispute. I submitted the same docs plus additional Discover never told me I lost dispute, I noticed the charge was put back on my card, so I called them, nothing was listed online, they never notified me. They said I lost because I didnt provide sufficient evidence. The merchant XXXX XXXX XXXX provided ZERO documents to Discover yet they won dispute. I asked what is needed for dispute, agent stated " proof refund is due '', I said that is impossible to get, XXXX  XXXX XXXX wont reply to emailed calls or snail mail. But I got a letter stating such from XXXX XXXX, still lost dispute stating insufficient evidence, I asked what is needed again, they would not reply and will not tell me only that dispute closed and I lost dispute. I am the only of XXXX that lost dispute everyone was refunded their travel money. It is like buying a shirt online and if you dont get the shirt, company doesnt exist, you get money back, why wont discover pay me I paid for a trip they didnt provide a trip. They knew they were going out of business at the time they accepted my money. I am exhausted and have been fighting every day for refund since XXXX. Discover is wrong here they are to protect me and my purchases from scammers. I dont file disputes unless I know I am right, I am extremely right here, even Discover agents on the phone tell me they can not believe this loss because XXXX XXXX XXXX did not provide any documentation that they provided any service they submitted XXXX documentation. Dispute Number XXXX. My Discover card has been compromised TWICE since this trip, so I provided the card number that was charged. It is all the same account, mine, just the card numbers have changed twice. Should not pose an issue but I included my dispute number too
Product: Debt collection

XXXX I paid in Full to " NCO Financial System Debt collector '' for Creditor XXXX and advised me to keep my receipt due to during that time Collection agency, attorney and banks were involve in embezzling, scams, frauds and charge clients double amounts, On XXXX XXXX Law represent " NCO Financial System '' stated judgement were made on XXXX for same Debt account, I called and faxed settle Paid in Full and account was close on XXXX. few days later I called them back to confirm if my document was received and was confirmed and not to worry, not knowing why I keep receiving same Debt so I consult with another attorney, On XXXX I received another judgment, Garnishment/Levy to my Bank from same attorney XXXX , I again called their office and faxed receipt from NCO on XXXX, I was told if I did n't get a call back from them means no actions would go forward and not to worry, so I thought everything is fine and did n't take my money. 
since Year of XXXX I had XXXX due to XXXX at work, being abusive at home from my ex husband n take care of my children leads to divorce in XXXX n final divorce judgment order from Judge to sell my home in XXXX, I closed my account in XXXX n found XXXX garnished total mount of {$130.00} + {$4800.00} plus {$50.00} non refundable from my checking in XXXX! I have copy of the garnishment from bank, XXXX I called the Law Firm multiple times to request my money back and again fax my document. 
XXXX my call got transfer to XXXX, he told me if they did n't do anything in XXXX then why now? and is too late cause of legislature and why wait 10 years and he not longer work with NCO Financial, I respond I texted and what their office told me ( attachment attach ) I respond 10 years ago I send and faxed my proof and told they have my document and not to worry which he ignore in XXXX because he want my money is like I 'm been Robbed, I felt he took advantage of me due to his profession as attorney and not communicate with his client and took my money for himself. I felt violated and victim of scam after I Paid in Full t rob me, I am requesting my money back plus what I been through with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CRA is reporting an inquiry submitted by Jpmcb Card for dates XX/XX/2020. I did not authorize or give permission for Jpmcb Card to pull my credit for that date or any date. Therefore, I am requesting that Jpmcb Card to update their system reflecting this information and send to XXXX XXXX to have this inquiry removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing in hopes that you hold Experian responsible for incorrect reporting. I have sent multiple disputes in to have this information fixed/removed and it still has not been corrected. There have been two other complaints filed in which the creditor admits to wrong reporting. They are as follows. XXXX and XXXX. They stated it would be fixed which it has not. It has been well past 30 days since my last dispute letter to Experian with no update. XXXX and XXXX have already removed this account completely from my credit profile for the inaccurate reporting. I will have no choice but to file a lawsuit against Experian if this is not removed. Incorrect information that is not fixed is a violation of the FCRA. This account is directly affecting my ability to obtain credit due to incorrect reporting of all the dates opened, closed, last payment as well as multiple payment errors. 

XXXX XXXX - Account number XXXX
Product: Debt collection

Hi, Over the past few months I have consistently identified inaccurate information reporting from a debt collector ( Midland Credit XXXX  ) and they continue to revert to information that is not accurate. At this point there have been over 6 separate changes, and each time my credit score drops - from what I've researched, the inconsistency in credit information impacts my creditworthiness and my ability to apply for anything that involves a credit check. Items that have been listed incorrectly are date of first delinquency with original creditor, the amount I owe continues to increase by $ XXXX month over month, it was listed as closed one month and 3 new accounts the next which hit my credit hard, the account type and status changes regularly, and I've even been listed to be 30 days past due on payments. At this point it is getting very cumbersome to see a change to my credit multiple times a month, I'm unable to plan for my future at this point, and this is becoming what I would consider abusive as my credit score is constantly changing due to information accuracy inconsistency. This is impacting my ability to apply credit as I'm reactive to see what new information they want to change. This constant change of my credit information is both impacting my life and feels as if I'm being harrassed when I'm constantly surprised by their changes. They have proven that they are not able to provide accurate information consistently and at this point I would like accounts from Midland Credit XXXX  removed as my right to have accurate information reporting to my credit without changing multiple times a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXXXXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at Credit card XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, and a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and ending in account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

My student loan is from a private lender called AES ( American Education Services ). I believe this company is operating fraudulently! If you search online you will find numerous complaints similar to mine. Because they are a private lender they claim they can do what they want. 
Heres the issue : I have an excellent credit score and make timely payments every month. In the past I was making extra payments. I occasionally get a letter from AES that says there are new terms to my loan repayment. Each time that letter is a recalculation of my balance and it keeps getting higher! 
It is impossible to ever pay off the loan because once you get close they recalculate and increase the total again. Ive been paying on this $ XXXX loan since XX/XX/2007 and have gotten these letters numerous times. Yesterday I received one and it shows that although I had the principal paid down to $ XXXX, they have recalculated and are adding fees and I now owe almost $ XXXX! This is fraud. I truly believe they are operating dishonestly and illegally. 
Im a hard working individual who pays every month and even was making extra payments on my loan. Im not asking to get my education for free or to not have to pay back my debt. Im happy to pay back my debt and interest however what this company is doing is wrong. This is something that needs to be stopped! Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there is inquiry on my report that I did not authorize the company is called XXXX XXXX  they added to my credit report on XX/XX/2022. l called XXXX of XXXX  they said that it would be removed and it haven't been removed
Product: Student loan

Yesterday I visited XXXX to view a statement for my loans and make a payment. While on the site I learned that my loan had been sent to a collection agency for payment. Today, I attempted to contact this agency at XXXX but placed on hold and offered the opportunity to receive a call back. At XXXX, I received a call back from an employee by the name of XXXX . I gave him my name and explained my situation. He mentioned that it was no longer in his system and unfortunately sent to collections. He offered to provide me with the company 's name and number. I informed him that I wanted to speak with another customer service rep ( likely his manager/supervisor ) who could explain to me why my loan was sent to collections without any previous notice or communication. He was persistent in mentioning that " Unfortunately it is out of my hands ... I can provide you the credit agency 's phone number ''. I went through several minutes of asking to speak with someone else, asking for clarity, asking who he reports to, and severe frustration while only receiving the same response. We reached a point where he mentioned he would only offer the number one final time before disconnecting. I actually chose to disconnect from him. I attempted to call the number back 2 additional times at which point he answered again. I asked him again if he was joking and if there was anyone else working to which he replied no given the hours of the day. 

I am intensely frustrated with my loan being sent without notification or additional communication. I am frustrated by a customer service rep who would not provide any additional point person I could ask for clarity on. I am extremely dissatisfied with the customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX/ XXXX  XXXX  XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states i have the right to privacy.

15 U.S.C. 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am writing to file a formal complaint regarding the XXXX XXXX XXXX negative remarks on my credit report, which I requested to be investigated by Equifax. I initially submitted a dispute on XX/XX/year>24 to have these negative remarks reviewed. As of today, it has been over 30 days since my dispute, and the account is no longer reporting on my credit report. However, I am concerned that this issue has not been addressed or investigated within the legally required timeframe, which has caused unnecessary delay in resolving this matter. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( a ), when a consumer disputes information on their credit report, the credit reporting agency is required to complete a reasonable investigation within 30 days. The delay in resolving my dispute and the failure to investigate the reported information in a timely manner is a clear violation of this legal requirement.

Furthermore, as per Section 1681i ( a ) ( 6 ) of the FCRA, if an investigation results in the determination that information is inaccurate, incomplete, or can not be verified, the credit reporting agency must promptly remove or correct the information. Given that the XXXX XXXX XXXX account is no longer reporting, I am concerned that the dispute may not have been investigated properly, which has led to a failure in updating or removing this inaccurate information. 

I respectfully request that Equifax immediately complete the investigation of this matter, ensure the accuracy of the information, and correct or remove any inaccuracies in my credit report. I also request an explanation for the delay in the investigation and confirmation that this issue has been resolved in compliance with the FCRA. 

Please provide me with a written response detailing the actions taken and the outcome of the investigation.
Product: Money transfer, virtual currency, or money service

Was promised a job that I got. They then sent me a {$3100.00} check to purchase my mini home office. But wanted me to use their credited vendors. Via XXXX  and XXXX XXXX. I sent {$2300.00} in total. XXXX via XXXX XXXX and XXXX via XXXX XXXX. To the apposed credited vendors. Then, 5 days later the check bounced and I tried gwtting my koney back and XXXX XXXX is refusing to pay. Telling me I should ask the person a refund which I did and they denied it. XXXX XXXX refused to help any further. XXXX XXXX  is taking their sweet time and is under review. I called my bank and tried to dispute the check in general along with those charges I made ending up being part of the scam. Not bank account is over XXXX in the negative with acquiring {$36.00} over draft fee every day its in the negative. I just want the entire check to be cleared. I have screen shots of the purchases and emails with the so called " job '' I qas hired with. I even filled out a w4 for the company so I assumed it qas a legitimate business.
Product: Debt collection

I 'm receiving collection notices from XXXX XXXX XXXX XXXX, for debt for a Macy 's account which was fully paid. The debt appears to be late fees and interest charges, not charges purchases. I tried to resolve the issue with Macy 's over a year ago but they transferred the account to a collection agency and I 've been receiving notices despite several attempts to clear the account.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report, I noticed hard inquiries that I did not make, nor did I approve anyone to pull my credit report. Also, I noticed that a creditor is reporting inaccurate information on my credit report. 

Inaccurate Reporting : XXXX XXXX XXXX, failed to properly report correctly pay information and placed late payments on consumer report. 

Inquiries Listd Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need all of these inquiries that I didn't make or authorize removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can u please delete the 2 " Fraud hard inquiries ''. I know nothing about this new inquiry qt all. As i will provide documentation of the duplicate inquiries. I also froze my accounts with fraud alerts and reported to the FTC for further security & Investigation measures.

This was improper use of my credit report of hard inquiries that i am unaware of and did not authorize. I was notified by XXXX XXXX XXXX XXXX XXXX someone accessed my info it was stopped the the Black market Website Surveillance from my Bank. 

I also filed a FTC Report. Transunion File # XXXX The XXXX unauthorized Hard Inquiries are listed below. 

I even have freezes and fraud alerts on there and not sure how it still got on there. As i will show u documentation that it was blocked originally Duplicate Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Upstart : Acct # XXXX, XXXX : Acct # XXXX, XXXX : Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Student loan

I have consolidated Unsubsidized FFEL Consolidation Loans that are being held by XXXX. I submitted a PSLF application in the fall of XXXX. I had heard other borrowers had their loans paid off. I called Mohela in the fall of XXXX  many times and could never get an agent. I did finally get an agent in the first week of XX/XX/XXXX. She told me my application was in good standing and it looked like it was approved. They were just making sure I had made payments. I have never once missed a payment in 15 years. She told me to check back in the new year. Now there is no information in my account on Mohela and I can not get through to anyone there. I also can not see any trace of my application in my account at Federal Student Aid. I am very frustrated as I have been trying to get information from someone for months and I can never get ahold of anyone.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check of {$5300.00} issued by XXXX for a vehicle I trade in/ sold to them. US bank did not honor not even the {$220.00} and they hold all the funds. I spoke to different agents asking why they were not honoring the funds as it showed on my account the check as deposited and not pending. They couldn't respond to me. I asked multiple times I needed a reason of why they will hold the funds and make an exception with me and not honor any portion of the check or the {$220.00} that usually tha banks does. They said they couldn't tell. They sent me several times to the branch the branch kept saying the hold was not from their end and that US bank reps or fraud department send you to the branch when they don't want to deal with the customer or provide with true information. I explained to US Bank that I needed a valid reason as XXXX was supposed to issued the check over 2 weeks before they did and that I needed the funds asap for a family emergency. 

On Friday XX/XX/XXXX XXXX at fraud department with US Bank told me that XXXX was holding the funds until XX/XX/XXXX. I went to XXXX on that same Friday and they said the funds were not on hold. I went back on Monday, and XXXX said that their corporate office confirm the funds were released to US Bank on Monday XX/XX/XXXX I called US Bank again, as none of the reps returned my calls as they promised including the branch manager, and they finally admitted the funds were not hold by XXXX but for internal purposes US Bank needed to hold the funds until XX/XX/XXXX and there was nothing they could do to expedite the funds. I explained the purpose of the urge on need of those funds and the rep that assisted me today said unfortunately it is an internal decision and I won't have access to the funds until or after XX/XX/XXXX XXXX XXXX XXXX XXXX @ US Bank XX/XX/XXXX XXXX XXXX US Bank XX/XX/XXXX - No call returned XXXX @ Branch - No call returned She apologize for what her teller stated and she will reach out the Fraud department to find out the reason of the bank holding the funds and will call me back XXXX XXXX US Bank Branch The account is new and the bank needed to build trust on the firsts checks deposits and when the XXXX & XXXX numbers don't want to deal with a client or when they don't know what to say they just keep sending clients to the branch but what they told me is not true. The hold is not coming from the branch and there is nothing they can do. 

XXXX @ US BANK XXXX - XX/XX/XXXX XXXX is holding the funds and that is why they don't release them XXXX XXXX XXXX Ext XXXX XXXX XXXX US Bank Fraud - She apologize for the inconvenience, the XXXX from XXXX are showing processed but it takes XXXX for US Bank to release the funds to me. She doesn't know why but the release date will remain the same XX/XX/XXXX and there is nothing they can do because the hold it is already on the system XXXX XXXX XXXX Ext XXXX
Product: Vehicle loan or lease

I am not familiar with this account. I have contacted Credit Acceptance concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX Credit Acceptance has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.