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

I called XXXX  to discuss and dispute inquiries stating, " I was apart of their, " inquiry issue. '' One representative told me that, " they could not help me in the matter '', and that, " I was not apart of the inquiry scandal '', after calling, being re-routed, and hung up on, about ten ( 10 ) times in a row. These inquiries were deleted, then re-inserted onto my credit report, all done by XXXX  employees and/or A.I.. I gave them a list just to have them say that they can not help me. I have an inquiry identity theft report filed with the FTC and told them this. They refused to listen. What does it take to get these inquiries removed from my credit report after consulting the attempted creditor and furnishing the FTC identity theft fraud, inquiry documentation required by them, only to have most of them take longer than 30 days to respond or not respond at all. 
Inquiries and dates are as follows : XXXX/XXXX  : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX   XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX  : XX/XX/XXXX, XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX, XX/XX/XXXX, XXXX : XX/XX/XXXX Listed above are all inquiries questioned and hopefully now disputed, on my credit report . I am attaching my FTC identity report for review and deletion purposes. Please remove all of these inquiries immediately per FCRA regulation and enforcement.
Product: Credit card

I have been a Lowes credit card holder since XX/XX/XXXX and have paid my bill on time every month since then. A few months ago, checks were stolen from my bank account, so that account was closed and re-opened with a different account number. When I went to pay my Lowes account, I used the bank account information that was stored, however, it was the old account number so it was returened. However, I paid the amount due as soon as I realized this was the case. Lowes did not notify me this had happened. The following month, I went to pay my Lowes account with what I thought was the updated account, however they had not updated the account number and had the previous account information stored, so it was returned again. Again, I was not notified by the company, only when I checked my account did I notice that it had not been paid. Again, I promptly paid the payment due. Today, I went to check this account to make sure the account was updated or deleted for the next pay cycle and there was a note on my account saying that it was closed due to returned payments. Once again, I received no notification from Lowes that my account was closed.
Product: Credit reporting or other personal consumer reports

There are over 10 inquiries on my credit report that I have disputed and that are not authorized with experience. I have gotten no results and they are legally reporting in accurate information with no solution. I need these inquiries off my credit report immediately. Under FCRA section 605b
Product: Credit card

I filed a credit card fraud claim in the amount of {$6400.00} and {$940.00} on XXXX and XXXX of the year XXXX. But recently I have gotten a letter in the mail saying that my claim was denied and that I owe that amount on my credit card starting XX/XX/. Navy Federal has not found any of the claims valid even though I had XXXX service and XXXX ability to use my credit card because I am XXXX XXXX so I get XXXX to wildfires two weeks at a time. The company has done nothing to resolve this except by putting me in serious debt.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses need to be Removed Immediately : XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, DEPT OF EDXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX, DEPT OF EDXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Bank account or service

On XXXX Bank of America posted my daily transactions so that the largest one was processed first resulting in my incurring 4 overdraft fees instead of one and 4 CREDITORS NOT PAID INSTEAD OF ONE. Had they posted the smallest first I would have incurred one overdraft and one creditor not paid. 

If I recall they lost a huge class action over this practice yet they continue to do it. This is nothing but an OBSCENE.money grab ... it is disgusting and outrageous. 

This was also amid an incoming wire transfer that was sent by a XXXX party to me on XXXX, but for some reason they dont process until THE SECOND BUSINESS DAY AFTER A HOLIDAY???????
Product: Credit card

I did not authorize any goods or services from these companies. These accounts are fraudulent and do not belong to me, and should completely be removed from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has been in deferment for s few years as I struggle financially due to XXXX. I moved XX/XX/XXXX to a new home and XXXX XXXX apparently were unable to notify me I was near end of my deferment. When I saw a report of 9 lates on my credit report for my student loan I immediately contacted them to fix the situation. My account was placed back into forbearance startingXX/XX/XXXX which is before the alleged dates of lates. XX/XX/XXXX and XX/XX/XXXX. A month later and there is 9 more. This has substantially devastated my creditworthiness. I have filed multiple disputes and complaints to no avail. I have spoken with managers to no avail. I do not have the finances to make it very far in this situation.
Product: Money transfer, virtual currency, or money service

i was sent me money through Chime in XX/XX/2022 I just wanted to withdraw funds but chime created an account for me and sent me a debit card I never activated. I tried to get out the funds this week and then a couple days ago get a letter that they closed my account. They are also refusing to give me my money back. I wrote them and they said Your account has been closed by Chime and is not eligible for a refund. 

I wrote them and gave them all information they requested and they refuse to return my funds
Product: Credit card

I am a service member since XXXX and continue to be XXXX XXXX. I have XXXX capital one and XXXX card that where paid off and I have not used due to deployments and training. I atttempted to use a Capital One card in XXXX XXXX and the card was declined. I called Capital one and asked what was going on. All accounts where closed due to inactivity. I never recieved a notice or warning that these cards would be closed. I got upset and did close XXXX of the accounts and asked them to please open my cards again. Upon doing this I had a credit line of XXXX on XXXX of the cards but was given only XXXX limit. I think this company needs to let people know when they are going to just close your accounts especially when you are XXXX XXXX and potentially not able to use them for a period of time when you are XXXX for a year. My home address is correct my wife had power of attorney they could have contacted us via mail or phone before they did that. Now I have a lower credit limit than I was granted before the closure and a hard hit on my reports because I had to redo the same account they closed. I would appriciate the full credit line I initially was granted and Capital One knows I am military because they have been sent proof for lower interest rates while deployed and failed to give them however when contacted did fix the matter. I would like to know why I was not contacted about the closures becasue I would have had them stay open as we kept them with zero balance and had all XXXX ready in case of an emergancy while I was delpoyed or in the event of unforeseen expenses. Also I would like them to reopen the card I closed out of pure anger at the fact they would do this to me.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Bank of America on XX/XX/XXXX, regarding inaccuracies in the reporting of my account, but I did not receive a response until XX/XX/XXXX, when they informed me that they were investigating. This delay is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires that disputes be investigated and results provided within 30 days. The prolonged delay and failure to respond in a timely manner highlight their noncompliance with federal law. I am attaching the document dated XX/XX/XXXX, as evidence of their delayed response. The account in question remains inaccurately reported, with errors in the balance and other critical details. This unresolved matter is affecting my credit report, and I have yet to receive the full documentation I initially requested to verify the accounts accuracy.
Product: Credit reporting

There is a discharged Chapter XXXX Bankruptcy that is on my Transunion Credit Reports that does not belong to me. I have disputed several times with the credit Transunion and XXXX and they both verify. I have inquired to both for the verification information and they both have failed to supply this to me. After looking up the Bankruptcy that is reporting on my file, it looks like it is someone with a similar name. I have never lived, nor do I know anything about the address that is associated to the Bankruptcy. If they are using other means to verify, I need to be informed so I can show proof that this public record does not belong to me.
Product: Vehicle loan or lease

On XX/XX/2021 Wells Fargo denied me for a auto loan that they got compensation for by using my credit card that arose from a consumer credit transaction. There is no law saying they can deny me my own credit. I am the original creditor and consumer, and they reported a consumer credit transaction that arose from my credit card. This is a violation of FCRA 15 U.S. Code 1681a - Definitions ; rules of construction. XXXX XXXX XXXX is violating FCRA by providing information on my consumer report. Below are the following things that should be excluded from my consumer report. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Wells Fargo is also in violation of 15 usc 1682b ( 2 ) Wells Fargo is also in violation of FCRA for denying me credit. Adverse Action does not say anything about denial of credit. I am the original creditor. What laws are Wells Fargo using to allegedly deny me credit. I have a open end credit plan as defined by congress. Wells Fargo is being deceitful and fraudulent because they used my credit plan. I only came for a consumer credit transaction. Wells Fargo has taken an adverse action towards me. Because I am administering and extending myself my own credit. This arose from a consumer credit transaction from my credit card, and as original creditor, it is my RIGHT to have the ability to discharge debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a dispute going on but it seems like now Equifax is not reporting my information at all. Not sure what the issue is but through my credit monitoring site, I have yet to get information regarding my account. When I refreshed my credit report, it shows a blank with no report on Equifax like if they don't have one.
Product: Debt collection

T-mobile renewed my 2 year contract without letting me know, when I just had XXXX months left. Told the manager at the store, and he said he would have it fixed ... its been over XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several for disputes on experian for the past 4 month about a medical collection of {$2900.00} from XXXX XXXX and it keeps saying verified but they didnt send me a method of verification after I have requested severally. One of the agent I spoke to said they are not required to send the proof they only use what they are told by collections. I had also called the collections agency on XX/XX/XXXX and asked them to verify the debt but the person I spoke to said he would email me but I never got any email. The email of the person I spoke to was on XX/XX/XXXX was XXXX. I informed experian about this after my most recent dispute came out as verified ; the person I spoke to named XXXX on XX/XX/XXXX. Was saying that theres nothing he can do as the debt is verified. He wouldnt even help me do another dispute over the phone. He says I have to call the company and I told him I had called them to verify debt multiple times after going back and forth he said sorry have a great day. This is very frustrating because Ive been on this for a while and both parties without verification claims that I owe them but cant send me anything. I have written several letters and called them and they keep saying the same thing. Attached is a copy of the email I sent to the collections agent when I was on the phone with him. Please help. This is preventing me from getting products that I would like to get. Sorry for the grammatical errors if any as English is not my first language. Thanks
Product: Debt collection

I have asked for the original signature of the original debt from LVNV Funding LLC. They are constantly call me. I have asked for this information in writing. They haven't produced it and continue to call me. They called me from XXXX - XX/XX/XXXX. I recently received a call XX/XX/XXXX. This is in violation of 15 US Code 1692g Validation of Debts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1861 section 602 A. States I have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information EXPERIAN Consumer Report Dear EXPERIAN, I am writing to dispute inaccuracies, late payments, and unauthorized inquiries appearing on my EXPERIAN consumer report. I believe these discrepancies may result from reporting errors or unauthorized access to my personal information, potentially linked to the recent national data breach affecting credit-related institutions. I request a thorough investigation into these matters and immediate corrective action. 
Disputed Accounts and Late Payments : XXXX XXXX XXXX XXXX XXXX Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiries : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or unverifiable information on my report. Furthermore, under 15 U.S.C. 1681e ( b ), EXPERIAN has an obligation to ensure the maximum possible accuracy of information reported. Late payments that can not be verified as accurate or authorized must be deleted from my file. Attached is my attached EXPERIAN consumer report. 
Thank you for your attention to this urgent matter. I request written confirmation upon completion of your investigation and corrective actions. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX did not submit credit inquiries to the following organizations : The below are listed on my credit reports as HARD inquiries. Please remove. 

XXXX XXXX XXXX  - request Date XXXX XXXX- Request date XXXX US Dept of Education -Request dateXXXX XX/XX/XXXX XXXX XX/XX/XXXX Captiol One : Request date-XXXX & XX/XX/XXXX XXXX XXXX - Request date XXXX XXXX XXXX  XXXX XXXX XXXX Request date XXXX XXXX XXXX XXXX XXXX Request date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My Personal information was stolen XX/XX/year> and used to open up unauthorized Credit Cards and Loans, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reported these illegal fraudulent activities and the company insist that I am held accountable and keeps contacting me to pay this account debt.
Product: Debt collection

Loans dated back to XXXX - XXXX from XXXX XXXX XXXX students were consolidated in XXXX through XXXX XXXX or whichever provider was available at that time. Over the years I have had my wages garnished, collected upon through Federal tax deductions and I somehow still owe XXXX dollars from loans dated back XXXX - XXXX. 

XXXX XXXX XXXX students students were recently granted reprieve from false tactics used by that company. However, the dates only go back to XXXX for some reason. 

All students of XXXX XXXX XXXX students were told false claims about job placement and credit transfer. I had to absorb more loans due to the fact my credits were not accepted by University of XXXX and its subsidiaries. 

I have never been shown how much I have actually paid since each company can put collections costs on top of debt which continually is passed around garnering more collections costs. 

Please help research why these XXXX XXXX XXXX students loans are not applicable to the federal act signed by President Biden. 

XXXX XXXX XXXX students loans are held by Ascendium currently. One example of never getting out of debt with these companies is exhibited below : One loan has an original disbursement date of XX/XX/XXXX via consolidation loan which were all used to pay off XXXX XXXX XXXX students Example 1 : Original loan amount {$11000.00} Currently owe ( via dept. of ed. site ) : {$15000.00} Example 2 : Original loan amount {$9500.00} Currently owe ( via dept. of ed. site ) : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These accounts must be validated 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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CASH APP ( Block, Inc. ) Due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and accurate effective measures to prevent 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 am seeking appropriate redress for these violations.