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

XXXX was sent various letters regarding their investigation process and violations that appear on m personal credit report. Personal information was also erroneous and was updated only after requested. This includes wrong names, addresses, phone numbers, and open dates on accounts. Amounts owe on accounts were in error across all three credit bureaus. The status of accounts was incorrect as one account was closed and reopened as active. XXXX sent a stalling letter as a response to a letter sent to state how they verified the information in my personal credit. Currently, there has been no response to this letter. Letters were sent to Equifax and XXXX to address the investigative process according to the law
Product: Credit card or prepaid card

I had lost my card and somebody was using it so I called bluebird American Express prepaid card to dispute the transaction on XX/XX/21 I did all steps to complete it four days later they sent me a email saying all the transactions was done by me when I dont even have the card then today XX/XX/21 the closed my account and I had XXXX $ dollars in there because my social security payment came there on the XXXX I just need my money that was left in my account they have blocked my number from calling and told me to write a letter if I have any questions they gave me a 1800 number that dont want it tells me to call back
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with a date of XX/XX/2006 and phone number of XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, Accont # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. I also state a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution XXXX not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information XXXX be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information XXXX be disclosed or exercise the nondisclosure agreement.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following fraudulent accounts and inquiries that remain on my credit reports with Experian, XXXX, and XXXX. Despite my previous dispute and the submission of an identity theft report, these items have not been removed, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and continues to harm my credit profile. 

The following accounts must be removed immediately : XXXX XXXX ( Account : XXXX ) Experian, XXXX XXXX XXXX XXXX XXXX ( Account : XXXX ) Experian XXXX ( Account : XXXX ) Experian, XXXX, XXXX XXXX, the following unauthorized inquiries should be deleted as they were made without my authorization : XX/XX/XXXXXXXX XXXX XXXX ( Experian ) XX/XX/XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX CARD ( Experian ) Under 15 U.S.C. 1681c-2, I have the right to block fraudulent information from my credit report by providing an identity theft report, which has already been submitted. The failure to remove these items is a direct violation of federal law and my consumer rights. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has taken legal action against Experian for failing to properly investigate consumer disputes and reinserting inaccurate information into credit reports. Your failure to comply with my dispute request suggests non-compliance with federal regulations. 

I demand the immediate deletion of the above-listed fraudulent accounts and inquiries. If these items are not removed, I will escalate my complaint to the CFPB and pursue legal remedies. Please provide written confirmation that these items have been deleted from my credit reports within the legally required timeframe.
Product: Vehicle loan or lease

Company went bankrupt transferred loan to a debt collector. I paid {$3600.00} for an extended warranty which wasnt paid to the provider. Debt collector isnt removing the amount that was added for voided warranty. Having an item showing as collections will hurt credit report even tho payments have never been late on vehicle. This company hurt a lot of customers. Customers have to worry about vehicles being repossessed even with payments being current. Numerous vehicles have been repossessed with customers current.
Product: Credit card

I submitted a phone payment for a home depot credit card and was given a confirmation number as having been paid. At my next billing cycle, I saw that the amount was past, and I called and found out that the payment had been declined after 3 days. I was reported to the credit agencies. I contacted the credit card and they acknowledge having given me a payment confirmation but they refuse to retract their credit reporting, leaving me with a late payment on my credit history. I was never notified by them that the payment had been declined until my next statement. I had money in the bank to complete the transaction at the time so I am not sure why they would confirm payment and then decline it.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts and unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I already explained that the account was opened by me. However, the charges for gift card that started on XX/XX/XXXX are not mine. I have explained that my identity was stolen. I am not sure what to do anymore. Company is refusing to accept that my identity was stolen. If they insist that this is my debt, then provide proof that I made those purchases. I can provide anything they want, go to trial if needed. I am not worry about going to court about this. You can request video footage of whoever made these purchases and prosecute. I did not made any charges on the account from XXXX and on. You will also see that other accounts were used to make payments from this date on. Accounts not under my name, from the person who stole my identity. I was told by Capital One, that the bank account making payments in my credit card was not even in the same state as me. I even recall a phone call where they told me that they would contact the fraud bank to track down who the owner was, I never heard back. I already submitted a police report, an identity theft report, letters, and nothing is being reviewed. They just sent me a letter that they have finish their investigation and have decided that this is not identity theft. No proof as to why. I need this company to stop collecting from me. I do not owe this debt. They can not provide proof that this is not identity theft. I am providing everything I can. It is not correct for Capital One to decide that they will continue to charge a debt that has been proved to be identity theft. My next step will be court, I have my documentation, if you guys bother to review it, you will see that the charges on the account from XX/XX/XXXX and on changed and suspicious activity started. Before that, the account was always in good standings. Again, I am willing to take this to court if needed. 

Letter 1 : Sent on XX/XX/XXXX, received on XX/XX/XXXX. 
Letter 2 : Sent on XX/XX/XXXX, received on XX/XX/XXXX. 
CFPB complaint was already submitted on XX/XX/XXXX and company decided on XX/XX/XXXX that it is not identity theft. Despite proof of all the contrary.
Product: Payday loan

I submitted a Notice of Cancellation of the payday loan within 3 business days which is my right per Texas law. Check N Go refused to rescind the transaction and acknowledge the Notice of Right to Cancel and charged me the exorbitant interest payment.
Product: Debt collection

Re : Complaint against : XXXX XXXX, M.G. Credit, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX On XXXX XXXX, 2017, XXXX. XXXX ( Debt Collector ) sent me XXXX XXXX, XXXX. XXXX XXXX, XXXX, FL XXXX, the attached collection letter marked Exhibit ( One ) I XXXX XXXX responded with a Public Law 95-109, Section 805-C, the Fair Debt Collection Practices Act Certified Letter, Exhibit ( Two ) dated XXXX XXXX, 2017. 

USPS Tracking confirmation dated XXXX XXXX, 2017 confirmed the delivery of the Certified Letter. See Exhibit ( Three ) XXXX XXXX, of M.G. Credit, XXXX XXXX XXXX, XXXX, FL XXXX, sent a response that was undated to attempt to circumvent the law, as I never asked for proof of debt. 
Exhibit ( Four ) M.G. Credit is in violation of Public Law 95-109, Section 805-C, the Fair Debt Collection Practices Act and they need to be sanctioned and fined for their attempt to violate federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Disputing Unauthorized Inquiries on My Credit Report and Demanding Deletion Dear Sir/Madam, I am writing to formally dispute the presence of unauthorized inquiries on my credit report, citing violations of 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) and ( c ). Moreover, I want to emphasize that I have never given any consumer reporting agency written consent to report anything on my consumer report, which constitutes a violation of my rights as a federally protected consumer. The presence of these unauthorized hard inquiries on my accounts is both a violation of my rights and a form of identity theft.

Under 15 U.S. Code 1681c-2, it is explicitly stated that a consumer reporting agency must obtain written consent from the consumer to report any information on their consumer report. I want to reiterate that I have never provided any consumer reporting agency with written consent to report any information on my consumer report. Therefore, the unauthorized inquiries on my credit report are a direct violation of this provision.

Additionally, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) and ( c ) specifies that consumer reports may only be obtained for specific purposes, with the written consent of the consumer. In the case of unauthorized inquiries on my credit report, I have not provided any written consent for the companies responsible to obtain or report any information. Thus, these unauthorized inquiries are also in violation of this provision.

I demand the immediate deletion of all unauthorized hard inquiries listed on my accounts. The presence of these unauthorized inquiries not only infringes upon my rights as a federally protected consumer but also has detrimental effects on my creditworthiness and financial well-being. Their removal is crucial to restoring the accuracy, integrity, and fairness of my credit report.

I urge you to conduct a thorough investigation into the unauthorized inquiries on my credit report, taking into consideration the absence of any written consent from me as a consumer. It is essential that you recognize the violation of my rights and the severe implications of identity theft associated with these unauthorized inquiries. I expect your utmost attention and diligence in promptly addressing this matter.

As a federally protected consumer, I demand that you acknowledge receipt of this dispute letter within the required 30-day period, as outlined by the Fair Credit Reporting Act ( FCRA ). I expect your immediate action in investigating the unauthorized inquiries and ensuring their deletion from my credit report. Failure to comply with my request may result in further legal action to protect my rights as a consumer.

Thank you for your prompt attention to this matter. I anticipate a swift resolution that upholds my rights, removes unauthorized inquiries, and restores the accuracy of my credit report. If you require any additional information or documentation to facilitate the investigation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian for reporting inaccurate and incomplete information regarding the XXXX XXXX XXXX account ( # XXXX ) in my credit file. The errors and inconsistencies in this account violate specific provisions of the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. 

Specific Issues with the Account 1. Inconsistent Payment History : The account reflects a payment history from XX/XX/XXXX to XX/XX/XXXX with serious inconsistencies, such as alternating statuses of " Charge-off '' and " OK '' for months like XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
This violates Section 607 ( b ) of the FCRA, which requires credit reporting agencies to ensure the accuracy and consistency of reported information.

2. Missing Date of Last Payment : The report omits the critical date of last payment, violating Section 609 ( a ) ( 1 ) of the FCRA, which mandates the provision of complete and clear information to consumers.

3. Inaccurate Comments : - The account includes contradictory comments, such as " Charge-off '' and " Chapter 7 bankruptcy, '' without adequately explaining the debt status or its progression.

- This constitutes another violation of Section 607 ( b ) due to the failure to provide accurate and meaningful reporting. 

4. Incorrect Dates : The date of last activity ( XX/XX/XXXX ) and the date of last reporting ( XX/XX/XXXX ) are inconsistent with data provided by other credit bureaus. 
These discrepancies further violate Section 607 ( b ) of the FCRA, which requires accurate reporting of key dates.
Product: Debt collection

I sent a check to pay for my property ( in XXXX ) XXXX I transferred money to my credit union only my bank sent the transaction twice, leaving my checking account short, and my check NSF. Before the county could cash my check, another company, called XXXX XXXX XXXX, cashed my check, then the debt collector for the county cashed my check, then I received a letter ( XXXX ) from a company in XXXX called XXXX, stating they were collecting a debt for XXXX XXXX XXXX XXXX So, not only did XXXX XXXX XXXX hack into XXXX XXXX to get the copies of my check, but so did XXXX I called them that day demanding to know who XXXX XXXX XXXX was and the girl on the other end was very rude and hung up on me.I received another letter from them on XX/XX/XXXX. On that same date I sent the bottom of the first letter back to them requesting that they give me the name and address of the original debtor. I received an answer from that on XX/XX/XXXX. I called the accounting number associated with that address for XXXX XXXX XXXX, and after sharing civil conversation, they did not have my information nor did they have anything to do with cashing my redeposited check. On XX/XX/XXXX, XXXX filed a bad debt on my credit report for non payment of debt. I called them .I told her I had paid my taxes directly to the county that I owed them to and that she was a fraud. I asked again who XXXX XXXX XXXX was and she said it was a typo. And I said 3 times? I had to send electronic copies of proof of payment of my taxes and now it's going to take this fraudulent one person company three weeks to remove a bad credit report from my score
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I used XXXX by American Express to routinely pull 3-bureau credit reports. After generating this, I found that American Express seemingly had put my account into collection status with XXXX and XXXX. The trouble is that this is not true at all since I have never once been late with a payment since XXXX -- - nearly XXXX  years ago. 

I called American Express which gave me the royal runaround on XX/XX/XXXX and again on XX/XX/XXXX. I then called XXXX by American Express in the afternoon of XX/XX/XXXX to inquire about all this. 

I was informed by American Express on XX/XX/XXXX and XX/XX/XXXX that they could find no evidence that my account was ever in collection status. Then XXXX by American Express on XX/XX/XXXX acknowledged that their systems were faulty and due to some nebulous programming error on their end giving consumers incorrect information. In fact, they said I was not the first consumer to report this issue. Further, they had no idea when it would be fixed. 

I let both entities know I would be reporting this to the CFPB this evening. My request is that the CFPB investigate this matter for me and any similarly situated consumer who may complain. I request that you impose civil monetary penalties against both American Express and XXXX by American Express for every affected consumer. I also ask that the CFPB issue orders compelling both American Express and CreditSecure by American Express to fix the issue on behalf of all affected consumers without undue delay. 

Please see the attached files for details.
Product: Student loan

I am currently in XXXX school and have had a lot of trouble dealing with my servicing company ( Sofi/XXXX ) regarding the details of my deferment. I called them multiple times over the summer to go through the approval process and no one at any point in time told me that I would have to reapply every three months. My account was just auto-debited the full monthly payment. I 'm currently on the phone with them now disputing this charge. They are an awful company that has seemingly purposefully withheld information about how my in school deferment would work. I was also not told that I would have to make interest payments while in school.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus. 

Below are fraudulently unauthorized inquiries on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX  Date:XX/XX/XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$3900.00} Company : XXXX XXXX XXXX/XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX   Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX Account # XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX   Account # XXXX Date Open : XXXX XXXX Balance : {$12000.00} Company : XXXX  Account # XXXX Date Open : XXXX XXXX Balance : {$8500.00} Company : XXXX XXXX XXXX Account XXXX XXXX Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX XXXX Account XXXX XXXX XXXX Open : unkown Balance : unknown
Product: Money transfer, virtual currency, or money service

Summary : Paypal rescinded an offer to refund me for the cost of a bag that did not match its online description. I mailed the bag ( at my own cost ) to XXXX after the initial determination that I would receive a refund, but after I mailed it I received notice from PayPal that I would no longer receive that refund. They gave no explanation, and they denied my later online requests to reconsider.

The bag is now back in the hands of the seller.

The bag in questions lacked the two key features highlighted in the description, and initially PayPal accepted my request to return the bag and receive the refund. Purchase price = {$45.00}.

I am now out of a bag and the return mailing costs. 

The purchase was made onXX/XX/XXXX, and there have been a string of emails with the seller and PayPal since then. But PayPal has closed the case, and no human seems willing to speak with me. Its emails are all automated and I imagine no one has given my case any thought.
Product: Credit card or prepaid card

On XX/XX/2018 I had mechanical work done at XXXX XXXX XXXX, the work was misdiagnose as an oil pan leak they charged me {$400.00} and when I got home I noticed I still had the oil leak on my car. I contacted the credit card company which is XXXX they contacted XXXX XXXX XXXX and sided with the company. I wanted them to not pay for the work because my car was not repaired properly.