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

Please see attached ID theft report and FTC report for three remaining inquires that are fraudulent and not authorized on my credit. 1 ) XXXX XXXX XX/XX/2017 2 ) XXXX XXXX XX/XX/2017 and 3 ) XXXX XXXX XX/XX/2017 thanks these are the remainder of identity theft items
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX according to USPS Certified Mail TransUnion received a letter from ME regarding inaccurate and unknown items on my credit report. Embarking on 120 days later I have not received one word about the inaccurate items that I noted in the letters received by your company on XX/XX/2021. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon. These items should be deleted promptly. I demand that these items are deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person.

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year as well as preventing me from applying successfully to purchase a new home I sorely need. I need this problem fixed asap I will not wait another 120 days to receive a no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 120 days soon so they should be deleted promptly.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX2024 I applied and accepted a pay day /installment loan for the amount of {$470.00}. Ive since made XXXX payments XXXX the agreed installment amount of XXXX ( XX/XX/year>24 ) and todays ( XX/XX/year>24 ) pay off amount I borrowed ( {$350.00} )! I spoke with them after seeing I owed more than in original borrowed, and questioned how is that is there is NO penalty for early repayment! The representative just kept repeating that its not a penalty!!! I hung up and before I did I informed them that I will report them to Attorney General and you guys!! I tried to download on my phone the contract ( wont download for some off reason )! but, I included several screen shots! The first payment was applied to the balance ( {$2.00} ) XXXX dollars ( please pardon my language ) and the rest went to the exorbitant Principle/interests! All I want is to repay these clowns what they lent me and be on my way! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, In accordance with the fair credit reporting act, this creditor XXXX XXXX  has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan

On XXXX XXXX, 2014 I made a settlement payment to XXXX XXXX XXXX to be credited to my account with XXXX XXXX in the amount of XXXX and some change. I received a call from a company called Debt Management Partners stating that they now own my cashnet account and that I still owe them monies. I do not as I have documentation which I am enclosing stating that I have paid them off. Please see attached. I paid this account with my XXXX credit card ending in XXXX. I refuse to pay for this account XXXX.
Product: Credit card

Midland Funding # XXXX The creditor did obtain a fraudulent legal judgment against me by filing an illegal lawsuit. The creditor has shown no proof that the debt was even properly assigned to them, nor that they are the actual owners of said debt. Additionally the creditor 's " affidavit of debt '' was " robosigned '' and no actual verification of the actual amount of debt owed was verified in the law suit, therefore the affidavit was fraudulent.
Product: Consumer Loan

A representative from SOCO Finance knocked on my apartment door at XXXX on XXXX XXXX, 2015. The representative continuously knocked for ten minutes and then placed a letter in the door. The knocking frightened my children as they were uncomfortable with someone knocking on the door at late hours and caused my dog to bark ferociously. Our apartment has a sign that states no soliciting and therefore there should be no one knocking to solicit any information especially at such late hours. I called SOCO Finance at XXXX on XXXX XXXX, 2015 to speak with the manager. I spoke with XXXX the manager concerning the issue. He said that he will continue to come to our house at such late hours and will come again tonight. He was very unprofessional during our conversation.
Product: Credit reporting or other personal consumer reports

This Company is Reporting false information on a debt that was already paid in full that is negatively impacting my credit score & refuses to stop
Product: Debt collection

I received a letter dated  XXXX   XXXX ,   XXXX   and attempted to collect {$110.00} which I do not owe.     I have already paid {$59.00} for  XXXX  sessions and the company is trying to rip me off by charging me {$110.00} for the service they never provided.     I have mailed in cancellation notice to   XXXX   XXXX  s on  XXXX   XXXX ,   XXXX   so they are not authorized to charge me the service that I never agreed and they also never provided the service for the amount they are trying to collect.     I belive this is a fraulent billing tactics after I cancelled the membership.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXXand XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has violated rights . 15 U.S.C 1682 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. and according to 15 U.S.C 1681 A3 medical bill should not be reported to my credit report. Section 2 ; It also states a consumer reporting agency can not furnish an account without my written consent. Section 605 A 15 U.S.C 1681 C-1 states that without my consent it is identity theft. Section 605 B 15 U.S.C 1681 C-2 if they're notified that something is on my credit report that results from identity theft, it needs to be removed within 4 business days.
Product: Credit reporting

In the year XXXX I learned of a collection being reported by XXXX XXXX XXXX. Not having any business with them I call to learn what this was about. After multiple calls the only thing I learn is that this account was sold to XXXX XXXX. So i called them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX XXXX firm to investigate this matter which forced XXXX. to reveal supposed original debt was XXXX XXXX. In the year XXXX I did establish service and purchased multiple phones at retail since from day one I could not receive adequate service. Then being fed up i cancelled service some years later having paid all monthly fees. After this investigation information about the account is being manipulated such as open dates etc., to extend reporting and cause damage. Also since that investigation it is reported as a new delinquency each month which further damages my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet the 3 credit Bureaus refuses to remove me from being lates on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do 3 Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update this damaging negatives from my profile. 
XXXX XXXX XXXX XXXX Balance {$3400.00}
Product: Checking or savings account

I am looking to receive a refund because I made a purchase through my old cash app account and since then it has been closed and disabled but the company I made the purchase through stated that I have to contact you guys and give you a reference number for my refund, so Im able to receive them to a different bank account. I have reference numbers that I can provide you guys in order to get the refund if possible Ive tried every other option and the only way I can get it is through Cash app. The total amount of the refund was {$1200.00}. The purchase was made with XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when 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 a transaction settled with insufficient balances, despite initially available funds. I believe this practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

Hello, XXXX-20 Please note the attached, you will see the ONLY response that I could find from the merchant that Chase Visa based their dispute denial case on. ( at the top of the attached in a boarder box ). 

The attached shows what the merchant claims, it also shows the time line and the proof regarding the false claim made by the merchant that I did not complain. If you have trouble seeing the pics in the attached doc, click on them to enlarge. 

I was told in no uncertain terms by the Chase rep XXXX ( exec. offices ) who called me on XXXX-20 at XXXX XXXX that Chase Visa only pursued one aspect of my dispute ... the fact that the software was defective. They for what ever reason decided to separate the dispute into 2 cases, and they paid no attention to the fact that I asked for a refund in the time required by the merchant because of the defective software. As stated, I was told by XXXX ( their rep ) that Chase treated my dispute as 2 separate cases, so, I am filing a separate complaint against Chase Visa because they were negligent in the pursuit of my request for a refund in the time required. It makes no difference if the software was defective even if it was ... which it was. Simple because I requested a refund in the time allotted by the merchant, the rest is important, but apparently irrelevant to Chase. 

Please note the attached correspondence, especially the time stamps on the mail I received and sent to the merchant. 

As you will see, Chase Visa did absolutely NOTHING to support my request for a refund, as a matter of fact they didnt acknowledge the fact that I had asked for a refund was even a talking point. All they used to claim that my dispute wasnt valid was that the merchant claimed the software was working even though I provided a letter from the merchant that states it WAS NOT WORKING. What is the purpose of a dispute if the CC card company is going to side with the merchant ... just because they didnt agree with my claim. Did they really think the merchant would come out and just agree with them and give the money back? Chase Visa didnt even do the minimum to secure me the refund, if they had it would have been clear that my claim was valid. 

As I have stated before, Chase Visa had an opportunity to do the right thing by approving my dispute because I provided them with definitive proof that I ASKED FOR A REFUND BECAUSE THE SOFTWARE WASNT WORKING WITHIN THE TIME REQUIRED BY THE MERCHANT. Chase Visa waited to long to pursue the claim, and would not accept responsibility for this. They even told me that to much time had passed! They were non-responsive when I tried to follow up, and or it took months for them to respond to me because of their staff shortages and the Covid epidemic. They did not stand up for me and my dispute even though I provided proof that I was right. They should not be able to hide behind the form letter, rubber stamp ( standard response ) that they always use to make themselves sound professional, and that are responsive to the card holders needs. In this case the denial letter they sent me is the very definition of fraudulent SPIN rhetoric. 


Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I REVIEWED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS THAT I DID NOT AUTHORIZE ON MY CREDIT REPORT AND IT IS PREVENTING ME FROM RECEIVING CREDIT I filed a dispute pertaining to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
Product: Debt collection

I paid this {$110.00} debt on XX/XX/XXXX to XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX ) for a bill I owed for XX/XX/XXXX. However upon checking my credit report I noticed that Debt Recovery Services has listed a derogatory debt for the same amount from this above creditor. I spoke with DRS and they stated that they just trying to collect the debt, they don't have anything to do with the other company. I have never received any communication from DRS in regards to this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I'm filing this complaint because the credit bureaus are not reporting the status of a couple accounts on my personal credit report. For the past 6 months I've been disputing with the bureaus that the XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX negative marks are inaccurate. These two errors are causing me to be denied for credit and also it is affect my credit payment history. I would like for the bureaus to delete this misinformation from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second written request to verified accounts that appear on my credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts.This time an FTC complaint could be filed and is attached to this complaint. Thank you
Product: Checking or savings account

On XX/XX/2018, I opened a Chase XXXX account in response to an emailed promotion sent to me ( see attachment ). The promotion states I would receive a {$220.00} bonus to my account after depositing {$15000.00} and maintaining that balance for 90 days, amongst other terms. 

Last week, XX/XX/XXXX, I noticed I had not received the bonus, and sent a message to Chase support asking for the status. Support said my account showed no record of this bonus, and they were unable to help me. I requested to escalate to a supervisor, but the response was the same. 

I am very disappointed that my account was not credited with the bonus after opening the account through the marketing email and following the requirements.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Placed an order with XXXX for the first time XX/XX/XXXX and my order never showed up, treied contacting the carrier and merchant that same day and got absolutely no help. Attached is proving that the merchant XXXX XXXX has never attempted to contact me regarding my order after I tried multiple times to get in contact with someone. I emailed them via their chat system multiple times and all I received back was an automated email saying " Thank you for your message ''. The next attached picture shows you my inbox from when I filter only messages from XXXX XXXX, as you can see every message from them is a generic automatic email but nothing shows them ever attempting to contact me. The message from XX/XX/XXXX is the first screenshot I provided. Next screen shot shows you they have absolutely no phone number for customer service, email only. Now the next screenshot is showing all of the multiple times I have gone on their chat/email and tried to notify them of what was going on, once again generic automatic message with no follow up. Call a location in Florida and they can't help with online orders. 
This company has no reviews for their online website anywhere to be found and is not accredited business on XXXX  where I filed a separate complaint. At this point I feel like their website is a SCAM because how do you have XXXX customer service for expensive items as such? Hoping this can help get things resolved, it is now the year XXXX and this company still has no form of contact for online orders so Im just stuck with a debt between XXXX/Affirm/XXXX they just bounce me around and provide no help, just want me to pay for a product that was never delivered
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XXXX  Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened XXXX XXXX  Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Date Opened : XXXX  Balance Owed : {$0.00}
Product: Debt collection

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Despite the multiple previous written requests, the Enhanced Recovery Company , LLC ( Original Creditor : XXXX  still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
Enhanced Recovery Company , LLC ( Original Creditor : XXXX XXXX XXXX Opened Date : XX/XX/2021 Balance : {$140.00}
Product: Credit card or prepaid card

A couple years back I paid off my credit card with best buy and my account was at {$0.00}. My roommate at the time, XXXX XXXX, stole my identity and opened up numerous accounts in my name and also stole my credit card unknown to me. She used the best buy card to buy thousands in gift cards. when I figured out what XXXX had done I reported it to the police, all the credit card companies and did the paperwork. XXXX and Mastercard were great working to clear it up but Best Buy/Citibank keeps turning me over to credit collection agencies and the credit reporting agencies. They also keep reporting to the credit reporting agencies.
Product: Credit card or prepaid card

Applied for the Chase Saphire card online via a pre-approval through XXXX. Chase did a hard pull on my credit history and then received an email stating simply and exactly " We have received your request for a Chase credit card. We'll let you know our decision by U.S. mail. This could take up to 30 days. ". 30 days passed and I did not receive anything from Chase in the mail. I contacted Chase customer support and they informed me that my credit application had been archived as it has passed 30 days. The customer service representative told me it was because my apartment number wasn't on the application so they couldn't verify my address. I requested to talk to some one in their cedit bureau department about having them remove the hard pull and they said they couldn't because they attempted to mail the address on the credit application. 

All of this would've been avoided on my end had I known that their credit applications get archived at the 30 day mark as i would've followed up before that. However, the email I received from Chase did not indicate this and only indicated that I should hear back from them in 30 days. This equates to very misleading and potentially harmful messaging to the consumer.