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

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX/XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX; XX/XX/XXXX/XX/XX/XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX/XX/XX/XXXXXX/XX/XXXX  XX/XX/XXXX/XX/XX/XXXX; XXXX/XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX.XX/XX/2000XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX/XX/XX/XXXXXX/XX/XXXX  XX/XX/XXXX/XX/XX/XXXX; XX/XX/XXXX/XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please help me get these unauthorized inquiries off my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have written to National Credit Systems several times on 2 different accounts pointing out that their reporting of this alleged debt on my credit report is inaccurate. National Credit Systems continues to report this inaccurate and unverifiable information. 
Account XXXX Account XXXX
Product: Student loan

Good afternoon, I definitely qualify for the XXXX PSLF loan forgiveness. I completed all the paperwork last summer XX/XX/2022 when Department of Educations revamped the form and qualifications. 
My student loans are currently with Aidvantage and when I check the status online, it states processing. I have been waiting for my loans to be transferred to XXXX ( servicer who handles all PSLF applications and loans ) so I can get information and track my payments. I have called multiple times and emailed numerous times as well. I have spoken to customer service representatives at Aidvantage who tells me to call XXXX. I call XXXX and they tell me to call Aidvantage. This has been going on for 7 months. I am told to be patient and I have been but I feel like my account is stuck in limbo.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit card

I have a satisfaction of judgement from American Express yet they continue to report that they have a judgement against me. The judgement American Express has against me was initiated via a fraudulent subservice, the very least American Express can do is stop reporting the judgement now that a satisfaction of judgement has been processed.
Product: Money transfer, virtual currency, or money service

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

An accordance with the fair credit reporting act. ( XXXX XXXXXXXX XXXX XXXXXXXX ) ( Acct # XXXX ) has violated my rights. 15usc1681 section 602a states I have the right to privacy. Also 15usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Payday loan

I sent the following email on XXXX : On XXXX/XXXX/XXXX I borrowed {$400.00}. To date, I have paid {$660.00} for this loan. I recently had XXXX the XXXX and was off work for 2 weeks with no income. Since coming back to work from XXXX, I 've been experiencing less hours and thus less pay. It is becoming a real hardship for me to have $ XXXX taken out every pay. I 've already paid back the {$400.00} and then some. 

Since XXXX XXXX, I have borrowed approximately {$1200.00} and paid back approximately {$1800.00}, not including this current loan. This included sending in money orders. I have been a good customer and never defaulted. 

I asked if they would consider marking this load paid in full. Their response on XXXX : Unfortunately, you do not qualify for a settlement at this time. 

Your current Spotloan payment schedule is at our maximum duration. We are unable to lower your regular payments any further by extending your payment schedule. 

For either a half payment on each payment due date or a single payment per month, we can offer the following choice : Turning off your automatic drafts and mailing in whichever option you prefer in the form of a check or money order. That way you will not have to call in two business days before every payment to set up your arrangement. Please let us know if this works at least two business days in advance of your XXXX XXXX payment of {$73.00}. 

I stopped automatic drafts from my account and was planning to send {$40.00} every payday. Their response : Thanks for contacting me. I 've updated your account records to show that you have declined automatic payments from your bank account. 

You can also mail checks and money orders to : Spotloan XXXX XXXX XXXX XXXX, IL XXXX Account Number : XXXX As a friendly reminder, your next payment of {$73.00} is due on Wednesday, XXXX XXXX. 

When making smaller payments than what is scheduled, as a friendly reminder does accrue additional interest meaning you will extend out the life of the loan to a further duration. 

I still was not able to make a payment on XXXX XXXX, even {$40.00} without severely compromising my financial situation. Now the loan balance is {$450.00}. 

I do n't even think this loan is legal in my state of Ohio. 

They advertise that you pay down the principal with every payment. They advertise on their website : When you use a Spotloan instead of a typical online payday loan, you can save as much as 50 %. There 's no nickel-and-diming with fees, no balloon payments, and no surprises. I have n't found this to be the case, even making my payments as scheduled. They never give you an itemized statement of payments and how payments were applied. 

I also found it strange that there are 2 addresses for this company, one in Illinois and one in North Dakota.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported incorrect information to employer and got me fired. After disputing this they have told the CFPB they finished their investigation and corrected my report over a month ago. They've indicated the employer had been informed and that they mailed me a copy. As of today, at XXXX, employer has NOT received a corrected report and I have NOT received a copy of this through the mail.
Product: Checking or savings account

I was supposed to receive money from Wells Fargo per their settlement
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Credit reporting or other personal consumer reports

I have had an experience Account for the past 4 to 5 years. Originally signed up for the premium plan but canceled and was charged the monthly membership fee after several attempts to collect or charge me in the past. Once I got onto their website and application, the process of reaching a live customer service representative was confusing, difficult, and seemed misleading the only way to reach a live representative was if you had a premium account. After I was charged, I tried logging into my account convinced I had the correct membership plan to reach a representative for a refund, however when I logged into my account it still stated I had not paid. It took me over an hour and a half to finally find information online as to how to change my account to the free version and then I was able to reach a representative.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported on my credit file. Despite multiple dispute submissions, TransUnion has failed to conduct a proper reinvestigation and has improperly canceled my complaints when the Better Business Bureau ( BBB ) became involved. TransUnions handling of my disputes constitutes a failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ). Due to XXXX continued failure to correct these inaccuracies, I have filed a lawsuit to seek legal remedy for these violations. 

Inaccurate Information in My Credit Report TransUnion has inaccurately reported the following accounts and inquiries on my credit report : XXXX XXXX  XX/XX/XXXX Not Mine XXXX XX/XX/XXXX Not Mine XXXX XXXX XXXX XXXXXX/XX/XXXX Not Mine XXXX XX/XX/XXXX Not Mine Furthermore, my credit report contains inaccurate reporting of my XXXX XXXX XXXX  accounts, which were closed at my request in XX/XX/XXXX, yet TransUnion falsely reports them as being closed in XX/XX/XXXX. Additionally, these accounts were part of a settlement agreement in XX/XX/XXXX, in which XXXX XXXX Bank agreed to delete them from my credit report, but TransUnion has refused to reflect this change. 

XXXX XXXX XXXX  XXXX Account closed in XX/XX/XXXX, but TransUnion falsely reports XX/XX/XXXX. 

XXXX XXXX Bank XXXX XXXX in XX/XX/XXXX with agreement to delete, but still reported. 

Despite this overwhelming evidence, TransUnion has failed to remove these inaccuracies and has instead : Canceled my complaints when the BBB got involved, preventing a fair reinvestigation. 

Deleted my disputes rather than investigating them, which is a violation of the FCRA. 

Reclassified my disputes under incorrect categories to avoid properly handling them. 

Due to XXXX continued failure to reinvestigate and correct these inaccuracies, I was left with no choice but to file a lawsuit for violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). XXXX reckless disregard for the accuracy of my credit report has caused significant damage to my creditworthiness, financial stability, and ability to obtain credit on fair terms.

Under the FCRA, TransUnion is required to : Conduct a reasonable reinvestigation when a consumer disputes inaccurate information ( 15 U.S.C. 1681i ).

Ensure maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ).

Provide the consumer with the results of the investigation and take corrective action when appropriate.
Product: Credit card

Ive been disputing a charge for merchandise that arrived damaged when shipped. The store I ordered from was unable to fix my account, or lied about trying to fix it and didn't bother, and the only other option they gave me was to start a credit card dispute. I submitted chat logs to AMEX proving this when opening the dispute and its clear they aren't looking at them. They messaged me some unrelated documentation that has nothing to do with the refused dispute and refuse to look at the documenation I provided. To make things even more frustrating, they will call at a weird time and than leave in comprehendible message asking for more information despite me providing it and than within XXXX minutes of making the call close the dispute without anytime to call them back. They're clearly make this impossible on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( GLOBAL LENDING SERVICES ) company. I requested that they send me the written " Permissible Purposes '' document, with no response or information. I suffered injury to my consumer report and score. 15 USC 1681b " Permissible Purposes '' must be given by the consumer and no other.
Product: Bank account or service

With Regions bank they have had a practice of overdraft fees that are not legitimate, although they have gotten better their is still an issue
Product: Debt collection

Comenity bank consistently calls and begins discussing past due accounts without verifying who they are speaking to. They also do not identify themselves at the onset of the call
Product: Bank account or service

XX/XX/XXXX Wells Fargo in XXXX XXXX, South Dakota, contacted me about refinancing my mortgage under a government funded program. I paid for an assessment but my application was declined. In XX/XX/XXXX Wells Fargo contacted me again to tell me that the criteria for government program had changed and that I should now be eligible for refinancing. The loan officer advised me that if I took out a loan to consolidate some of my unsecure debt my application was more likely to be approved so I did so. I also had my home reassessed because they could not use the previous assessment. My loan application was denied again.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 2-3years I have being disputing to charge off account on my credit report. I filed several disputes with transunion and XXXX everytime the dispute results come back verified. Either company investigated my dispute for XXXX XXXX  XXXX  or acceptance now. I did the investigation on my own and acceptance now couldnt provide me a contract to validate the debt plus it was an insurance claim on it. After several calls threaten to sue they removed the inaccurate information that been on my report for 6years and XXXX wasnt about to provide the full contract to validate the either they sent me some of the pages and the past due amount they been reporting on my credit for past 6 years was incorrect. I spoke to a supervisor with XXXX XXXX  XXXX  and I was told that they credit reporting department has been down since 2020. Im in the process of buying a home so I made a settlement on that account for XXXX but I was during that conversation that my past due amount was XXXX but XXXX had been reported for the past 6 years and these credit reporting companies are allowing inaccurate information to be report on my credit and other consumers credit reports. Something need to be done about these companies ruining people lives for debts that not being reported correctly and them not fully investigating the issues because these lenders that are reporting pay them and the consumer not so they dont really care if the information is correct or not they just want to make money and destroy lives because everything is basic on your credit. Please hold these credit reporting companies accountable for their actions
Product: Debt collection

This was previously disputed, however, the company stated that no threats were made. The call was recorded on their end and the company provided no proof of that recorded phone call which stated this debt would not be turned into a collection until XX/XX/XXXX. That was a lie, they reported it before XX/XX/XXXX without giving me the opportunity to pay the debt in full. XXXX XXXX XXXX.
Product: Checking or savings account

Hi, The past weeks I have received notifications and a letter from Well Fargo regarding my claim and the only response I got ; it was that the case XXXX has been closed. I have a legal representative in XXXX who did the respective research and confirmed that Wells Fargo has never reached out XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. The found were never taken from my account for part of XXXX XXXX XXXXXXXX. Due to XXXX policy they can't disclose details of the procedure of how the Bank deals with XXXX  banks regarding transactions not being completed but retaining funds but as far for their records they didn't receive any phone call or written request from Wells Fargo regarding my claim. They did run the inventory and there is no trace of completing the transaction withdrawing funds on the dates previously indicated ( XX/XX/year> ). Wells Fargo has removed the temporary funds that they put in my savings account and due to the lack of accountability I was obligated to close the account and remove some money left in the savings account. 
I request, please reopen this case and investigate properly, I need to recovery the founds that Wells Fargo took from my account.
Product: Prepaid card

I used my prepaid card to make a hotel reservation. The hotel merchant did not process the card for any amount. I did not have a balance owed to the merchant when checking out. 
The prepaid card provider has been contacted by myself, the hotel merchant, and provided supporting documentation. The prepaid card provider refuses to release MY money from pending transaction status. The representative from the prepaid card provider promised my funds would be released. Instead they continue to hold my funds and refuse to release my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing a charge off on my credit report but account is paid off.