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

Called the business on XX/XX/2022 to dispute a charge of {$33.00} dated XX/XX/2022. The overseas agent was very difficult to understand with a heavy accent and a fake phone name of XXXX. Thus, I am providing supporting proof to document this billing dispute. Attached is email confirmation from the business advising " Your XXXX XXXX  is cancelled ''. Additionally, attached is a XXXX XXXX XXXX complaint filed on XX/XX/2022 filed against the business informing the business to " cancel service ''. If you look at XX/XX/2022, the business issued a credit of {$320.00} for four rodent bait boxes in which they picked up from my home. However ; the business was negligent in charging me a monthly recurring charge of {$33.00} on XX/XX/2022 that should not have occurred.
Product: Debt collection

Apparently, the letter from TSI was mailed to my old home address dated XX/XX/year>, which is my parents home, and I had received this letter only today XX/XX/year> ( my parents thought it as scam and therefore had not informed me at the time ). The letter states that as of XX/XX/year> I owe {$1100.00}. The letter includes account information with facility as XXXX. I was supposed to dispute by XX/XX/year> according to the letter. 
My parents also handed me today another letter from XXXX XXXX XXXXXXXX XXXX that had been mailed to their address dated XX/XX/year> which informed me that there is the unpaid balance {$840.00} from transportation service that had been provided on XX/XX/year> ( thats when I got discharged from XXXX to XXXX XXXX ). I am told to call XXXX XXXX XXXX customer service to ask them to reprocess my claim for the entire amount owed, which I will try tomorrow. 
It seems that these two letters are somehow related to XXXX, but I am not so clear as to what the first letter charges me for ( 2nd letter at least is regarding the transportation fee balance, but 1st letter did not indicate which service was used ).
Product: Credit reporting

hi my name XXXX XXXX Ive tried countless of times to get this matter taken care of Equifax is reporting my car loan twice on my report and it has had a negative impact on my score I only have XXXX car loan that 's suppose to be reporting also XXXX financial do not report to Equifax so im wondering how do they get the information and still reporting it please investigate asap
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information, as willful negligence and non-compliance with federal statues. Please remove the following inquiries completely from my credit reports. 
XXXX Inquiry Date XX/XX/XXXXXXXX  AUTOMOTIVE Inquiry Date XX/XX/XXXX, AUTOMOTIVE Inquiry Date XX/XX/XXXXXXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX  Inquiry Date XX/XX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been reporting non-verified information to the credit reporting agencies without my consent. I have not given XXXX XXXX XXXX MY written expressed consent to report anything to the credit reporting agencies. XXXX XXXX XXXX has failed to procure documentation ( Sworn statement of verification or judgment ) that I, XXXX XXXX, owe an alleged debt to XXXX XXXX XXXX .
Product: Checking or savings account

My cash app account was being fraudulently used. All the transactions on the account are unathorized transactions. Something needs to be done. I need my funds back I have to pay bills and other things. This has caused me a big inconvenience and is very frustrating.
Product: Checking or savings account

Since XX/XX/XXXX I have not been able to access My checking and Saving accounts throug the online banking services and the app. Therefore since then I can not make transactions as tranfers, XXXX, wirhdrawals. The only let me use the checks and My debid card. Which is not fair since I AM a client since XXXX.
Product: Debt collection

This debt has exceeded the Delaware statue of limitations for collecting on a debt. The original debt is, I believe at least 10 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account # XXXX on Transunion 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 In reference to Account # XXXX I have sent XXXX Certified letters over the past 6 months disputing their claim on this alleged account. Transunion has yet to send me the proof I continue to ask of them, and this is violating my rights as a consumer and under the FCRA. I have enclosed a copy of the last letter sent to them. 

I have also fell victim to improper use of my social security to submit hard inquiries to Banks I have never done business nor attempted to do business with. Below is that list of inquiries : XXXX XXXX  XX/XX/2021, XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021, XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021 I ask for help in removing these blatant errors that Transunion refuses to show me proof of.
Product: Credit reporting or other personal consumer reports

on XX/XX/23 there was a letter sent to transunion discussing incorrect personal information reporting on my credit. I have yet to get any response from this company giving me the details on information being removed.
Product: Mortgage

I contacted XXXX XXXX and got a list of their recommended mortgage lenders. I spoke to a few companies and chose Allied Mortgage, as they offered the best terms. I followed all of their steps, completed all requested paperwork, and all of that was finished on XX/XX/2022. I hadnt heard anything for r at least three weeks, so I emailed the agent I first dealt with, as well as the person in underwriting. I was told they were still working on it. I expressed concern with having it resolved before XX/XX/XXXX, when the prime rate was raised. I emailed and called several times, but was told on XX/XX/XXXX that they would not give me the loan without a co-signer. I am a XXXX XXXX XXXX woman with excellent credit, and they valued my home at {$510000.00}. I was trying to borrow {$300000.00}. I was asked to provide {$11000.00} in savings, but sent proof in excess of {$45000.00}. They kept delaying this denial until it was too late for me to submit to another lender before the rates increased. I receive a state pension, as well as Social Security, so perhaps this is ageism. Waiting six weeks for an eventual denial indicates fraud, in my opinion.
Product: Credit card or prepaid card

I got 3 offers from chase for credit cards and accepted all of them was approved for all 3 in XXXX of 2019 and then they said we have to close your account because thats to many accounts that have been approved which is insane because they are the ones that offered it and now have ruined my credit because I have 3 closed accounts showing in my credit report and other banks look at me as high risk because of this issue this bank has caused me I have documentation requesting for investigation and still they dont care about it provided me with a number you cant talk to no one because it asks for an extension and they wont provide it its like they are doing it on purpose and charging me for an annual fee for a card I never used or was activated because they closed the account before even receiving it
Product: Credit reporting, credit repair services, or other personal consumer reports

This ongoing complaint targeting all three Credit Reporting Agencies is my final attempt to force them to cease their bad Faith Actions prior to my securing Counsel and seeking to file a civil suit and seek permission for a Class Action Suit, as there are many others with the same issues. 

It is my understanding that the underlying motivation of all three is self enriching and for the enriching of their " member companies '' I have made multiple complaints for years that they have all consistently participated in a pattern and practice of ignoring disputes, failing to properly investigate and correct dispute and inaccurate Information and intentionally provide false Information so that their " member companies '' can charge higher interest rates due to the credit scores and Information provided by their reports. 

My complaints have not been addressed or corrected at all as of the writing of this complaint. 

I have made multiple complaints to the CFPB recently. They have all been ignored.

I demand the following : 1. ). To be sent accurate, corrected and updated paper reports from all three agencies, as well as electronic access immediately.

2. ). To have my personal Information ( Address history specifically ) restricted from the reports they share due to significant personal safety issues related to my Actions keeping a Congressman safe, pursuant to a Commonwealth of VA Court Order, which they all have.

3. ). To have all agencies comply with the policies of dropping negative items after set time periods have passed and to actually investigate complaints submitted by consumer instead of merely stating that their " member companies '' denied them and recuse to correct the complaints.

4. ). To Add significant creditor Payment histories from companies that do not pay them to report, ( as the companies demand ePayment in order to List credit histories from creditors. I have provided certified, notarized payment histories of greater than $ XXXX that they all refuse to include in my reports, to make my history look less significant, again to enrich themselves and their " member companies '' Further, I am furious with TransUnion, who literally told me that they will not perform their manadated actions because they felt I was, " Attempting to hide from or avoid Financial responsibility '' Theese Actions are reprehensible, especially in a time when the Government Administration is taking actions to attempt to defend it's citizens from such abuses. 

I risked my life for my country. I am permenantly XXXX due to service to the public. I demand better treatment than the intentionally punitive, bad Faith actions of XXXX ; XXXX and especially Trans Union in retaliation for my merely demanding the proper treatment they are in place to provide.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries are hurting my credit. I request removal under 15 USC 1681b ( c ) ( 2 ) to correct these errors.
Product: Credit card or prepaid card

I made a payment to my Military Star card on XX/XX/22 at XXXX XXXX. The credit card company did not record my payment for the XXXX instead recording it was made on the XXXX because of a time zone difference. I did not read anything in my disclosures that states I must make my payments based on a different time zone. My payment was considered late by my credit card company and I was charged an automatic fee that was added to my payment. This added fee resulted in my checking account being overdrawn and I was charged another fee by my bank. I would like these fees to be reversed and I would like to continue making regular payments. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$94.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$94.00} XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

XX/XX/year> ( the XXXX I believed ) I made a purchase on a website called XXXX I input the incorrect address on my order and quickly tried to cancel. This was not possible, so I began reaching out to the vendors I had purchased through. XXXX is mostly based in XXXX, and so the vendors are on different time zones theres a language barrier etc. I reached out to each and didnt receive a response. I filed complaints with each through the site and quickly had my account restricted. So now XXXX cant even reach out. I had contacted one of the vendors through XXXX, because they included their contact info. He assured me my package was in transit which was not helpful as it had the wrong address. I reached out a few more times and he stopped responding. I searched and found the support email on their official page. I sent an email explaining my situation and the order numbers. I quickly got a response that the email did not exist. I then opened a dispute with my card company. They have repeatedly denied my claim even with ample evidence. This company is Goldman Sachs and the card is their XXXX Apple Card.
Product: Credit reporting

No filed CFPB and letter to credit reporting company at the same time. copy of credit report with marked and highlighted incorrect data on 90 percent of report sent to credit report company.
Product: Vehicle loan or lease

XX/XX/2020I opened an auto loan with Credit Acceptance Corp in the amount of {$7100.00}. I made all payment the day before they were due. The auto company I purchased the vehicle from ended up going out of business in XXXX and never paid the lien that the XXXX XXXX XXXX had against the title therefore Credit acceptance was never able to obtain the title. I still made my payments until XX/XX/2020 when Credit Acceptance shut down my account and told me to continue dealing with the Ohio AG office ( which I did ). The vehicle is now back in possession of the original lienholder XXXX however even though Credit Acceptance closed my loan and returned my money that I paid, they reported to the credit bureaus as me being 120+ days late on a payment. Ive talked with them and they dismiss my concerns or tell me they will look into it and call me back. It needs to be removed from my report! They closed my loan, gave me my money back and the vehicle was never in their name or possession and has since been returned to XXXX! help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I send the FTC affidavit with the police reports and this accounts and inquires listed are fraudulent and I demand to be removed right away. i also filed a complaint with the CFBC for the not removing this account in XXXX within the time allowed by law. 

Accounts XXXX XXXX XXXX XXXX XXXXXXXX consumer credit Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

School is not listed in official listings. I attended XXXX XXXX College which has changed its name to XXXX XXXX  College. I graduated in 2006. This For Profit Private College first priority was to get there hands on your FAFSA, their only priority. I was sold a Dream and delivered a nightmare. I was told my degree was transferable and the college had lifelong career placement. All lies. The also exaggerated the career field. As a divorced mother raising XXXX child on my own and working as well as trying to better our lives by getting a degree, I can tell you I made plenty of sacrifices. I feel this school preyed on low income families. I have filed many complaints a and forms with NAVIENT because this truly is a FRADULENT LOAN AND NAVIENT/XXXX XXXX know this. They have done nothing to right this wrong and have steadfastly continued to harass me and have COMPLETELY RUINED MY CREDIT FOR LIFE. This loan has NEVER DEFAULTED because Ive had to plat their stupid little FORBERANCE/ DEFFERMENT GAME. I CAN NOT get a home loan because as of now I owe them 2 the amount of the ACTUAL LOAN!! I will NEVER make a payment on this loan ... .. I regret ever trying to better myself. I have a worthless DEGREE and a pile of debt I will never pay on ... NAVIENT ILLEGAL ACTIVITY at its FINEST PLEASE. I have found many other student that attended same college in same situation
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block, lnc. ) due to inadequate customer service & unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely & effective measures to prevent & address fraud on their platform, leaving my account vulnerable & unprotected. Furthermore, their dispute resolution process was unfair & deceptive, as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) & Regulation E. Theses actions have caused significant inconvenience & financial loss, & l seek appropriate redress for theses violations.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

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

I went to the XXXX dealership and applied for a car loan and they said they were only going to do XXXX however it was 8 more unauthorized hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My husband and I had a lease with an end date of XX/XX/XXXX We were notified form the leasing office we needed a a 60 day notice letter regardless to move and, that was sent via email XX/XX/XXXX and was mandatory from the Building that we give them 60 day vacate notice regardless of lease end date which seems ridiculous as I would be able to leave on the date my obligation is up on the contract/lease. So our new move out date was XX/XX/XXXX. Upon moving out we were contacted later that we still owed rent for the months the apt was not rented. Pease also note they dramatically increased the rent during this time. they finally rented the apt after 5 weeks and are trying to hold us responsible for the rent in that interim. 

We are not rent responsible for anything beyond XX/XX/XXXX. We submitted a dispute and it was deleted XX/XX/XXXX. 
They replaced it on my credit report as of XX/XX/XXXX In the total charges there are rent charges and cleaning charges for move out charges we dispute as well, the cleaning fee of {$150.00} for the refrigerator which is highlighted at only $ XXXX- {$50.00} in our lease. Lastly we are disputing the {$400.00} parts fee for stovetop replacement as the stove was in that condition upon move in and its normal wear and tear it was in working condition and we were told that was normal for an electric stovetop. This company continues to harass us even though all paperwork was uploaded
Product: Credit reporting or other personal consumer reports

I'm self-employed so I paid a lump some payment and asked for my payments for the next 3 months to be paid so my next due date would be 3 months later and the remainder applied to the principle. The loan company put all of the amount towards my principal balance which threw me 3 months late and they refuse to fix it. So my vehicle was up for repossession for the last year and a XXXX that I had the loan. Additionally, that caused my credit rating to suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022 hard inquiry this account was opened fraudulently this not my account please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not remember opening this credit card.
Product: Credit card

I previously filed a complaint with the CFPB and am utterly dissatisfied at the way Wells Fargo has handled it. I paid a company called XXXX XXXX a total of {$14000.00} between my Wells Fargo Visa and XXXX XXXX for services that were never provided. I have attempted to obtain a refund to no avail. Wells Fargo first denied because of the time that has passed and after complaining to the CFPB they have " respectfully declined my dispute ... ( and have ) made every reasonable attempt to help with this dispute but have been unable to get any information from the merchant ''. They further explained that I need to work my concerns out with XXXX XXXX. This company has been paid a lot of money for nothing and my bank needs to be more diligent for their customer.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX you are required to remove/block any items which were 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 relating to any transaction by the consuXXXXXXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : XXXX XXXX  XXXX XXXX Balance : - XXXX XXXXXXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$910.00} XXXX XXXXXXXX XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$1600.00}
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 XXXXXXXX Has violated my rights.

15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 section 2 also state a consumer agency can not furnish an account without my written instructions
Product: Debt collection

I am unaware of this debt I did not have the opportunity to dispute this debt I did not receive proper notification if in fact you believe i received proper notification please send me the certified mail with the receipt with my signature on it stating that I received it.