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

I sent Equifax copy of my account statement from XXXX department of XXXX XXXX after XXXX XXXX reported that I was in collections for {$110.00} from XXXX XXXX. The XXXX department of XXXX XXXX paid my bill in full when I was laid off several years ago and I have been on a payment plan to repay XXXX XXXX XXXX. XXXX XXXX sent me and Equifax a copy of a computer print out with no record of the payment from XXXX Department of XXXX XXXX and it was not itemized, as I requested. Equifax has not responded to my request to correct this and remove from my report. Equifax took the computer printout submitted by XXXX XXXX to not remove, and when I again, submitted my account statement from XXXX department of XXXX XXXX they did not respond and stated to CFPB that there was an unauthorized third party, yet this remains on my Equifax and XXXX reports. Equifax has consumer disputes and XXXX does not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute deletion letter over 30 days ago and this company has not responded back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancelled my subscription to Experian credit monitoring on XX/XX/2020 and received email confirmation of the cancellation ... 

On XX/XX/2020, Experian charged my debit card {$19.00} for credit monitoring fees, and upon investigating I noticed Experian had also charged the same amount in XXXX and XXXX, for a total of {$59.00}. 

When I called to dispute the charges, their representative said I must have started a new trial membership and forgot to cancel within the cancellation period. I did NOT open a new trial membership, or if I did it was without my knowledge or intention to do so. When I asked for a stop to the billing and a refund of {$59.00}, the representative put me on hold and proceeded to process a refund for only {$19.00} ( I did not know she was processing this refund while I was on hold ). When returned, she told me she refunded only {$19.00}. I stated I want all 3 payments refunded, and she refused citing " company policy only allows 1 refund per customer, and since I just processed a refund for you, we are unable to refund any further amounts to you. '' I asked to be transferred to her supervisor. 

The supervisor was not any better. She rudely stated Experian company policy will not refund more than 1 month of services regardless of the circumstances. She then said " There is nothing more we can do for you. If you want, you can dispute the charges with your bank ... it really makes no difference to me. '' I ended the call in disgust over Experian 's poor and deceptive customer service tactics. 

My bank is now disputing the charges. There seems to be a pattern of behavior by Experian to trick customers into signing up for services they don't want, and issuing refunds in such ways that actually defraud the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

LVN Funding at XXXX XXXX XXXXXXXX XXXX, SCXXXX  has been sending me collection notices in the amount of {$2300.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>
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 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: Vehicle loan or lease

I was a victim of identity theft several accounts are illegally being reported to my credit report Citizens One XXXX i have also informed the companies of these accounts
Product: Bank account or service

I am so tired of Bank of America and their way they do banking - fed up beyond belief ... you can not imagine my frustration - I 'm done with you guys unless you refund those fees at once. This is the XXXX time in 6 months that I have to lodge a complaint. When I awoke yesterday morning ( Thursday ) my account had gone in the negative by {$8.00} or so. At approximately XXXX XXXX or so I transferred the difference from my business account to bring me to a XXXX balance ( well within the XXXX XXXX cut off time ). As I now work night shifts, I checked my account several times, including at XXXX where the balance was {$0.00} just where I left it. At XXXX XXXX my direct deposit went through and after a transaction I had {$830.00}. Did n't feel the need to check it again but did before I went to sleep ( which should 've been XXXX minutes ago ). What I saw caused my blood to boil and frustration is thru the roof - Bank of America charged me XXXX - in the total amount of {$70.00}!! I know the bank is doing things different because my roommate is going thru this exact same thing with his account ( which he too lodged a complaint ). I am taking this to social media next - this can not be the way to keep your customers - I have been XXXX for just under 10 years and am completely fed up!
Product: Prepaid card

XXXX Request a card from Netspend tried to activate and they closed account they said I have others under my name. First time I ever tried there card. Card # XXXX.
Product: Debt collection

Starting XX/XX/23 I have been receiving phone calls every day and morning for the past 3 weeks I block one and they then call me from a different one
Product: Debt collection

MCM Management keeps calling and harassing me, including sending me letters threatening to sue. Solicitations started XXXXXXXX XXXX XXXX ( approx. ) XXXX XXXX keeps calling and leaving messages trying to collect an old debt that I obviously can't pay, otherwise I would have paid it.
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  has violated my rights. 

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

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

During the week of XXXX XXXX, I received a bill from Chase Bank for XXXX XXXX XXXX which I never ordered. The account number was mine, I closed this account approximately 6 years ago. The original amount was {$94.00} but with late fees it is {$190.00}, and it was purchased XXXX/XXXX/16. They have since closed this account and I 'm sure it is on my credit report which has been spotless. They also stated that e-mails had been sent. I did purchased XXXX XXXX but that was years ago. The email address was formerly mine. I have n't had this email for several years. This was the first, the statement that I knew about this. They were willing to drop the late fees and if I would pay XXXX I would be in good standing with them. I told them I will not pay. I talked to the credit card company and talked to fraud, and it was being referred to Investigation and Recovery. They will not allow me to dispute because the charge was in XXXX. I have heard of other fraud, but the fact that this has been from an account that I closed long ago.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is unlawfully disclosing INCOMPLETE/INACCURATE information on my consumer report! As per the XXXX 2020 Credit Reporting Resource Guide ( Metro 2 ), the Original Creditor field MUST contain a value ( information ) in a debt collection account! As a Federally Protected Consumer, I am now requesting the removal of the incomplete/inaccurate debt collection account
Product: Checking or savings account

Capital one 360 checking account had my account restricted for use. XXXX settlements made 2 deposits on XX/XX/2024 into this account based off information I had submitted 2 years ago. I called capital one 360 checking on XX/XX/2024 asking for them to return the funds either to me or to XXXX settlement. XXXX settlement paid me for a claim from 2 years ago that was going thru the legal system. I won the settlement against XXXX. So they deposited 2 payments in the amount of {$92.00} into the capital 360 checking not knowing that my account had been restricted/closed. Capital one says they are entitled to keep those funds because my account was negative, however I had a payment plan in place for that already. XXXX settlements said I had to go thru capital one in order to get those funds either returned to them or to me. Which Im going in circles and no one can help me. Can someone please advise me on this situation. I could have fed my family or had my car repaired. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX notice some unauthorized inquiries appearing on my credit report. I have listed support and documents below. 

I did not authorize this inquiry XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to Experian, XXXX, XXXX. Here is my tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Difination ; rules of construction.

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer of from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is to follow up on any response from you after 30 days of investigation. As I reviewed my Credit Report I noticed that there is still an item that is reported as erroneous and incorrect information. Despite the previous written request sent to XXXX, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account information : # XXXX, US DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX : Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX Phone : ( XXXX ) XXXX : Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : ( XXXX ) XXXX Account information : # XXXX, XXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX : ( XXXX ) XXXX Account information : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : ( XXXX ) XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Checking or savings account

I was charged {$20.00} by " XXXX XXXX '' through XXXX XXXX without written autorization and want a refund ... .ttried advised number of XXXX XXXX XXXX XXXX XXXX threy are unable or do not want to pick up phone or respond to a message ... can you help?
Product: Debt collection

Under the FCRA, you can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge off while still claiming you owe the debt.
Product: Payday loan, title loan, personal loan, or advance loan

My personal information was used to try and get loans.
Product: Mortgage

I was recently unemployed and fell behind did everything in my power to keep up however loss mitigation seems to deter me at every chance after submitting all required documentation they would state they needed just one more document then I would send it then they would do this several times in the end denying me for missing documentation and that I would need to start the process all over again they did this three times to me I cant get caught up due to late fees and they refuse to accept payment and I asked what that is for reinstatement they said they dont know they would need to pay XXXX dollars to lawyer to get that information and it could take over a two day period this is ridiculous I owe XXXX thats it and they cant help me catch up
Product: Credit reporting or other personal consumer reports

I recently checked my updated personal credit report and I noticed several remaining unauthorized credit inquiries still on my personal credit report. I contacted these companies and asked them to remove their credit inquiries from my credit profile. I also initiated a request to you for an investigation into the below inquiries on my credit report to determine who authorized these inquiries. And I know your investigation is complete, you find my allegation to be true, please remove these inquiries : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. The inquiries I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please remove these inquiries as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Avant LLC was supposed to remove the inquiry dated XX/XX/21 since last year. I have submitted 2 other complaints against this company through CFPB and was told twice they will update their systems and remove it. As of today it is STILL on my XXXX credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Product: Mortgage

They have not released my escrow refund after closing a loan over a year ago i have sent them letters and tried to call them and have sent emails. they said the sent us check number # XXXX in amount of {$1000.00}. and we never received it
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has not updated my score since XX/XX/XXXX its now XX/XX/XXXX I have called and spoke to people approximately 22 times in the last couple months I have uploaded and sent ID, SS and bill with my address they have on file witch has been the same for over 3 yrs every time its the same thing on the phone telling the same story nobody can even pull my Experian report I need them to update it and my information is XXXX percent correct they even read it back to me
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

XX/XX/2007 to Present. I noticed I had paid {$23000.00} in Capital Interest, {$14000.00} in principal and {$19000.00} in interest. I also was seen my due payments going up faster than going down. I three loans a Consolidation Loan ( {$21000.00} ), a Parent Plus Loan ( {$18000.00} ) and Cosign Signature Loan ( {$7500.00} ) for a total {$47000.00}. My current loan for Consolidation Loan is now {$30000.00}, Parent Plus is at {$23000.00} and Cosign has been paid off. When I check my credit report it stats I am 37 % over my Credit Limit for these loans as that my credit limit is {$39000.00} and my balance is {$53000.00}. this is having a adverse effect on my credit score. I received emails about deferments and forbearance and was told there would be a one time fee and no interest. see attached please. I just need to know if the Capital Interest were legal or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 3 disputes with Equifax concerning an account that belongs solely to my deceased husband. After my husband 's death, I found out that I was listed as an " Authorized User '' on my deceased husband 's XXXX account with XXXX XXXX XXXX XXXX. I never knew about said XXXX account, never used said XXXX account, nor do I have any financial obligation or agreement with XXXX XXXX XXXX XXXX re : said XXXX account. I only found out that I was listed as an " Authorized User '' on my deceased husband 's XXXX XXXX XXXX XXXX XXXX account when I called to notify all of his creditors of his death. I even mailed a letter dated XX/XX/2017 to Equifax from XXXX XXXX XXXX XXXX that clearly states that I was listed as an " Authorized User '' of said XXXX account and therefore I am not responsible. I asked Equifax to completely remove the account from my credit report. They refuse to remove the account. I also contacted XXXX  and they immediately removed it from my report. Equifax needs to remove the XXXX XXXX XXXX XXXX XXXX account from my report as it is not my account and I am not financially responsible for the account so it is unlawful for them to report an account that I am not legally liable for.