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

We signed a contract with Lexington Law to help us repair our credit on XX/XX/23. The initial fee was {$69.00}. They took out over {$400.00} dollars in XXXX month : XX/XX/23 ; XX/XX/23 ; XX/XX/23 ; with no results on my account or my friends account. They have violated my customer consumer law under CROA because they have been charging upfront fees for a service they did not accomplish. Lexington Law has been charging me monthly to remove negatives from my credit report. I was informed verbally that this was a family plan, that we would be charged {$130.00} a month for the both of us, not separate as we are a family & live together. They were suppose to refund me 3-5 business days from XX/XX/23 & when I called today, XX/XX/23, they kept saying they can only refund once they investigate the phone call, as every call is recorded. I requested the recorded phone call & they did not want to release it by giving me the run around. However, they proceeded to refund me half of that money after claiming my legal rights to receive all of my money back.
Product: Credit reporting or other personal consumer reports

I have had a credit card account with XXXX XXXX XXXX XXXX XXXX for several years. In the past, I fell behind on payments, so the account was closed. I still continued to make my monthly payments. XXXX XX/XX/XXXX, I made XXXX payments. One for XX/XX/XXXX and XXXX for XX/XX/XXXX. Because I paid before their bill cycle date, XXXX XXXX XXXX counted both payments as XX/XX/XXXX and when I did not pay XX/XX/XXXX, it was always late and I was not aware of it. Because of this discrepancy, I ended up getting a 30 day late mark on my credit report in XX/XX/XXXX. I have explained the situation to XXXX XXXX XXXX and they know where the problem occurred but will not change my credit information. This is completely unfair. I have documents showing all of the payments I made and I provided them to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would an investigation done of the following collection account, I do not owe this and would like for it to be removed from my credit report. 

XXXX XXXX  XXXX  Opened XX/XX/2014 + {$1200.00} Original creditor : XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX My account for XXXX was hacked and a fraudulent charge was made for {$720.00} using debit card information saved on the app ( which is password protected ). I called Chase bank about an hour after the charge to let them know a fraudulent charge was made. They then credited my account the amount missing. After they made a chargeback claim with XXXX  XXXX disputed it ( even though I also XXXX that my account was hacked and a fraudulent charge was made on XX/XX/XXXX via e-mail ) and won. Once Chase was notified that XXXX found the dispute in favor XXXX and on XX/XX/XXXX they took the credited money out of my account without notifying me in anyway. I found out because when I went to a gas station to make a purchase my debit card was declined. I then called Chase bank back on XX/XX/XXXX and was told by their claim department that if I sent more info showing that my XXXX account was eg : emails to customer support, that they could further fight the dispute. After faxing over requested information I heard nothing back, and the person at Chase assigned to my claim said that there was nothing else they can do after sending them more information proving my account on XXXX was hacked and the {$720.00} purchase was fraudulent. I then let them know they released funds without my written consent and took back a credit to my account without written notice. Chase bank suggested I contact the CFPB if I feel I was wronged. Attached are portions of my bank statements screenshotted to show the relevant days money was taken from or credited to my account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I logged into my CashApp I started looking through the transactions bc I noticed balance was not correct. I discovered that I had been charged several times for a service from a telecommunications company. I called them to try and get resolved. After an extended time waiting they acknowledged that the funds from my account went to pay someone elses service, however since I was not on that account I could not request it be backed out or refunded to me. They asked I contact my card issuer which I did immediately. The amounts are as follows {$130.00} on XX/XX/XXXX / {$8.00} on XX/XX/XXXX / {$42.00} on XX/XX/XXXX / {$460.00} on XX/XX/XXXX After several days and emails asking me to contact the merchant even though I has already expressed that I had and they referred me to them. And having to send ALL info 2 additional times as well as canceling my card even though I had notified them 2 times before that the charges were made on a previous card I had. So that they wouldnt cancel the one I had just gotten and gave to wait for another one ... they still cancelled my current card. A week later I was contacted by a rep named XXXX who said all my transactions were past the 60 day notice as required by the Terms of Service. However what he was referencing didnt apply to unauthorized transactions. Section 39 Your Liability for Unauthorized Transactions states in part Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or you believe a transaction has been made without your permission using information from your Card, your PIN, or Card Account, or you could lose all the money in your Card Account. no mention of 60 days. Even if 60 days whats the case we dont get a monthly statement or anything providing us our purchases or unauthorized transactions as we do for regular bank so if I dont go into the mobile app I dont know that the transactions happened so I think its a little unfair that they bring that up as a excuse to allow me to lose my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for Refinance of mortgage with XXXX XXXX. They said it is a soft inquiry. 

As time went on i continue to get hard and soft inquires on my report. 

There is over twenty inquiries on my account and i only ; looked at XXXX.
Product: Credit card or prepaid card

UPDATED INFORMATION FOR MY COMPLAINT NUMBER XXXX -
Product: Vehicle loan or lease

The company came and picked up the car. It is finance through Ally Finance. I have been trying to get them to change this car in my name due to the death of my mother. They told me that if I sent the legal documents that I could get that done. Even after making payments and paying insurance on the car full coverage they came and picked it up. The would not even help during the hard times because the car wasn't in my name or the loan wasn't in my name. I have been honest with them through this process but they haven't with me. And now I have no vehicle to get to work and I have to try to see how I am going to get to work. I was also told that I couldn't do nothing that the car was in their possession. Not even help me finance it. You talk about hurt and not only that the guy I was speaking to rudely hung up on me.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Robinhood, a financial institution regulated by yourauthority, due to their gross negligence and failure to address a fraudulent activity that has resulted insignificant financial loss on my part. Despite providing ample evidence and following the necessaryprotocols, Robinhood has not taken appropriate action to rectify the situation, and I believe theirresponse is in violation of the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) .I have attached the correspondence with Robinhood XXXX detailing the circumstances of the fraudulenttransaction that occurred between XX/XX/XXXX and XX/XX/2023, involving the company XXXXDespite my numerous attempts to resolve the matter with Robinhood XXXX their response has been bothunsatisfactory and dismissive of their responsibility to safeguard their customers
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists a student loan account opened at DEPT OF ED/XXXX on XX/XX/XXXX under the account number XXXX a collection account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX,, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I believe that I was discriminated because I am currently receiving public assistance ( Social Security ) or my age. I don't think it could be anything else because I have assets in excess of 1.5, not including my free and clear home that they were aware of. First of all they told me not problem, but then when they did some kind " formula '' and I needed more that the 20 % per cent down that was originally agreed to. Then a week before scheduled closing, I need more money at closing in the form of cashier 's check only. Then after I was told about the addition money, it was well after close of business yesterday, I had to scramble around this morning to get a cashier 's check to close. I went to closing signed all kinds of documents ( and presented my two checks ) only to find out that I would not receive my keys until Guaranteed Rate Affinity LLC " released my funds ''. 

I would ask how many people with credit scores over 800, over 20 % and a fairly large sum in investments get refused from a mortgage company somehow affiliated with my real estate firm. It really looks like Disparate impact to me and also I don't think they like that fast that I receive substantial payments monthly from Social Security. 
Again Guaranteed Rate XXXX  XXXX NMLS # XXXX. 
Please let me know what I need to do or if you can help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payments on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because these are obviously billing errors, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and were considered past due. The disputed accounts are listed below. 
XXXX XXXX  Account # : XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/XXXX
Product: Debt collection

I put a block on my credit card 3 times so no one besides me should use it. But each time my credit card was used. These 3 calls were made in the second half of 2017. All 3 calls were made from inside this Bank of America, the branch near me that I used. All calls are recorded. 

Bank of America 's Address : The Personal Banker directly calls the Credit Card Dept. for me. Faster and easier than calling the number on the back of the card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I was charged  XXXX  overdraft fees becau se US bank de ducts the largest check first, as a policy described by the banker I complained to. If they had deducted the smaller check first, it would have cleared, leaving me with only  XXXX  overdraft fee. The banker stated they ALWAYS deduct the larger check first, obviously to generate more fees. I asked to start an overdraft protection account with them and they denied me. Those of us who incur an occasional overdraft are people without a lot of money and yet they squeeze us the most. This happened approximately 1 month ago.
Product: Credit card

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. Under the fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at this time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified.If you do not have nay documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C 1681i all unverified accounts must be promptly deleted.If you are unable to provide me with a copy of verifiable proof that you have on file for each of the accounts listed below within 30 days of reciept of this complaint then you must remove these accounts from my credit report. 
XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX
Product: Credit reporting

EQUIFAX is VERY convincing when they say my home loan not being restored to be reported by EQUIFAX is completely XXXX 'S FAULT. 

XXXX is very convincing when they say that it is EQUIFAX 'S fault that the home loan is still not showing on EQUIFAX. 

Both parties seem to be engaged in a XXXX stand off, that by definition requires a third party to end. 

There is a NEW XXXX stand off between XXXX and EQUIFAX and my autistic son XXXX XXXX is getting hurt by XXXX and EQUIFAX blaming each other instead of restoring my perfect XXXX year payment history so I can get a personal loan to fix my son 's teeth. An emergency room doctor said that if he had teeth like my son, he would want to be on morphine until the teeth got fixed. XXXX can not take morphine and is suffering intense pain until XXXX and EQUIFAX undo the damage preventing me from getting a loan for XXXX ' dental XXXX. This nightmare has been dragging on for months now. Here is a link that shows you XXXX was engaged with a similar XXXX Stand Off with TransUnion in XXXX 2016. The ongoing and various delays have turned this into an Americans With XXXX matter. My son could have had his XXXX by now. Because of the various delays, we have no idea when I will be able to get the loan now. I did nothing wrong. My autistic son XXXX did nothing to deserve being kept in pain like this. Here is the link to the blog about this most recent XXXX Standoff with XXXX and another party with me and my son trapped in the middle. This should not even be happening. 

While the lion 's share of this ordeal rests with XXXX for creating the problem in the first place, EQUIFAX is not making it a priority to resolve the problem and is engaging in the blame behaviour which creates a XXXX stand off situation. Both parties need to realize they are harming an autistic young man who has done nothing to deserve the XXXX their ridiculous delays are causing him. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports, I noticed a collection with XXXX XXXX XXXX XXXX XXXX XXXX  I do not have any contractual agreement in place or do I know who this collection company is I requested that validation from all three credit bureaus EquifaxXXXX and XXXX. XXXX investigated the account in question and removed it from my credit file. I then sent a copy of the investigation results to Equifax and XXXX. Under the FCRA all bureau must be reported the same. If credit bureau to be in accurate, then all bureau must do the same, Equifax and XXXX has refused to remove the account has not provided any proof that I had a contractual agreement with this Collection agency
Product: Student loan

My loan service EdFinancial are terrible when it comes to requesting a refund for student loans payments made during the pandemic forbearance. Every individual that made student loan payments during the pandemic has a right to ask for a refund and should get it. I asked for a refund about a month and a half ago and their processing time is 6 months thats ridiculously long while most loan services have a turn around time of 30 days. I feel like EdFinancial are lying and dont want people to get their refunds back. It shouldnt take that long. This is just ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number 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 an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my THIRD WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681 The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your tirst investigation, you stated in writing that you " verified '' that these items are being " reported correctly '' Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Also, why did you not send me copies of the vertication like I asked? 
As I am sure vou are well aware. current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a " Reinvestigation that merely shifts the burden back to the consumer and the credit arantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ).

You have NOT provided me a cooy of ANY original documentation required under Section 609 ( a ) ( 1 ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the -CRA - you are required to " promptly DELETE all information which can not be verified. '' The law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or deleted immediately.