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

On XX/XX/XXXX, I contacted Equifax in an attempt to resolve an ongoing dispute. Equifax has continuously reported erroneous information that Equifax was aware was incorrect and failed to takes measures to correct. 

Equifax has not updated my credit file in over 9 years. On XX/XX/XXXX I contacted Equifax to inquire as to why my credit report has not been updated in several years and is currently providing potential creditors with knowingly erroneous information. I was speaking to an individual named XXXX who refused to give me her last name or initial or contact information or extension or any other viable information that would provide insight into who she was. XXXX refused to identify herself further than her first name because she stated that Equifax rules and regulations do not allow her to identify herself ( assuming for issues like this ). I immediately asked for a supervisor and was told that I would not be able to speak to one because she would not transfer the call to one. She informed me that they could not help me because they have the same information she does. After asking for a supervisor over 20 times the representative refused to transfer the call. She attempted to deflect responsibility on the part of Equifax. She stated that it is not their fault they are not reporting the information ; it was the fault of XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and every other creditor I had, however, it was not Equifax fault. They attempted to inform me that each and every one of those companies are not complying with sending in information. I have contacted each of those companies and have verified that they have reported correct information to the credit bureaus. Equifax continues to publish information it knows is incorrect causing irreparable harm and damages. After calling back Equifax after having " XXXX '' hang up while having me on hold, I asked for a supervisor or manager. I was put through a voice prompt system that had me pushing buttons for 10 minutes before I got a person on the phone who informed me that they couldn't help me because my file hasn't been updated in years and they have no information. Why is this company allowed to exist and continue to provide its services when sadly ever since the XXXX breach, they have not shown any remorse for their negligence, they don't care about serving their customers, and they are providing knowingly false information causing harm to the public. Now after informing Equifax that I was filing a report with the Consumer Financial Protection Bureau, I was told " Good Luck with that '' and then magically, they needed two pieces of identification faxed to them in order to assist me with this matter. This was retaliatory action for my reporting their incompetent actions to the Consumer Financial Protection Bureau.
Product: Debt collection

Received a phone call from Afni and subsequently a letter dated XXXX/17 from AFNI, Inc stating that I owed XXXX {$2300.00}. I never had a XXXX account. Talked to a XXXX representative and they said they could not find anything under my name or the XXXX account # XXXX ( provided by AFNI, Inc in the said letter ). XXXX asked me to file a complaint with their Fraud department as they told me someone is trying to collect under your name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a letter from XXXX XXXX on XX/XX/1025 after I tried to purchase a vehicle on XX/XX/2019. They denied me a financial loan through the dealership because of a XXXX credit score from sagestream LLC. I have never heard of this company before or why they would have any of my information or such a low score. I have been denied loans several other times for a vehicle and my guess is to this is why, it also says I have delinquencies. I'm not sure how I can have delinquencies with a company I've never heard of or why they have any of my credit information.
Product: Credit card

On XX/XX/year>, I booked a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX using my American Express credit card. Despite arriving at the gate on time and having checked in my baggage, I was denied boarding. The airline incorrectly marked my ticket as a " no-show, '' even though I was present and attempted to board. My checked baggage was also not loaded onto the flight. 

Following the denial of boarding, I contacted XXXX XXXX to request a refund under the U.S. Department of Transportations 24-hour reservation rule, which entitles passengers to a full refund if a booking is canceled within 24 hours. XXXX refused to process the refund, citing the incorrect " no-show '' status. 

I then disputed the charge with American Express, explaining the circumstances and providing supporting documentation, including proof of my presence at the gate and the airlines refusal to resolve the issue. However, American Express declined my dispute and failed to assist in securing a refund. 

The total ticket cost was [ $ Amount Paid ], which XXXX has refused to refund despite their error. This denial has caused significant financial loss and inconvenience. 
Actions Taken by Me : 1. Contacted XXXX XXXX to request a refund and dispute the " no-show '' status. 
2. Filed a charge dispute with American Express, providing documentation of the incident. 
3. Attempted to resolve the matter directly with XXXX and American Express, without success. 

Desired Resolution : I request assistance from the CFPB to secure : 1. A full refund of the ticket cost from XXXX XXXX. 
2. A review of American Expresss handling of my dispute and a reconsideration of their decision. 

This situation highlights a failure to protect consumer rights, and I believe further intervention is necessary to resolve this matter.
Product: Debt collection

Receiving continues bills from this company. 

XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX RevMD Partners , LLc XXXX XXXX  I have no outstanding debt and have called the hospital to confirm that is so. This company is a scam!
Product: Credit card or prepaid card

In XX/XX/2019, my wife and I purchased a massage chair from Mattress Firm. They had informed us about making a monthly payment for this chair. Since receiving the chair, we have been billed several different amounts. Synchrony bank first sent a bill for {$92.00}, then {$37.00} and now they have sent another for {$67.00}. At this point, we have been trying to return the chair because we feel this will negatively impact our credit and do not want the hassle. Mattress Firm is unwilling to return the chair. Then, in XX/XX/2019, we received a bill from XXXX XXXX  for the same chair! We were unaware of two different credit companies billing us for the same product. I have filed a fraud claim with XXXX, and also informed them that my salesman is not answering his phone or returning any calls about this matter. The last time I spoke to him about the XXXX issue he told me not to worry about paying them! At this time, we are unsure of what to do or where to go, but we definitely do not want this chair anymore!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report says there's 19 hard inquiries that i did not do 17 NOF THEM I ONLY APPLIED FOR 2 XXXX XXXX XXXX XXXX I contacted them EQUIFAX XXXX XXXX & THE CREDITERS asking to send me a letter to confirm i never order service they said they will i never got them its still on my credit i'm trying to fix my credit i contacted equifax XXXX  & XXXX  only XXXX  removed them theres a pay day loan i never got tried reaching out to them it wasn't successful please help me i paid services to help repair my credit cause i didnt know how to do it myself XXXX XXXX   just got over i paid them for 2 years score worst then they removed items only there back on there
Product: Credit reporting or other personal consumer reports

Company or Organization : Ford Motor Credit Corp Date Fraud Began : XX/XX/year> I did not authorize this company to pull my credit
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized hard inquiries that I recently identified on my credit report. Upon review, I found several inquiries for which the creditors listed have failed to provide verifiable proof of my authorization. They have not produced any written authorization, permissible purpose, or evidence of initiation by me, either verbal or written.

Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, consumer reports may only be accessed under specific circumstances with a legitimate business need in connection with a transaction initiated by the consumer. Furthermore, under Section 609 ( a ) ( 1 ) ( A ), federal law requires you to verify these inquiries by providing physical evidence, such as the original signed consumer contract.

Additionally, Section 611 ( a ) of the FCRA mandates that inaccurate or unverifiable information must be promptly deleted following a reinvestigation. I demand that these inquiries be deleted immediately, as they can not be verified and negatively affect my ability to obtain credit. 

The following unauthorized inquiries must be verified or removed without delay : XXXX XXXX XXXX Inquired on XX/XX/2023. 
XXXX XXXX  Inquired on XX/XX/2023. 
XXXX XXXX XXXX  XXXX Inquired on XX/XX/2023. 
XXXX XXXX  Inquired on XX/XX/2023. 
FTC Report XXXX : XXXX,
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit card or prepaid card

At the present time I am conducting an investigation because I have been a victim of identity theft. During the past few months I have received several phone calls from Discover for a past due balance. It has been almost about 10 to 15 phone calls a day. I found that persistence very unusual and concerning. At one time I had spent about 25 minutes with a Discover representative and as soon as I hung up I received another call from a representative allegedly from Discover as well who did not verify the account nor asked any security questions to protect my privacy. I also found that Discover had different phone numbers to contact me that were incorrect, I requested the representative to inmeditately remove the wrong contact numbers. 
As I am currently struggling as a victim of identity theft and my credit has plummeted, I am reviewing everything in order to recover. Discovers actions are not compliant specially after so many issues affecting customers privacy and identify protections.
Product: Credit reporting or other personal consumer reports

I used Experian to apply for a lease on XX/XX/XXXX. Applying to start electricity with XXXX then required Experian, But my login wasnt working. I tried following online instructions multiple times, but the same error kept happening, blocking me from accessing/changing password. 

I called their service during business hours, but it kept putting me on a loop with an automated service, which only had the option to give me instructions for online restart ( which I had already done above ), or to have instructions mailed! It kept saying that a representative was not available.
Product: Credit reporting or other personal consumer reports

" I am filing this complaint due to multiple unauthorized inquiries on my credit reports that I did not approve or authorize. These inquiries have appeared without my consent, and despite my repeated efforts to have them removed, the credit bureaus have failed to act. My disputes have been blatantly ignored or dismissed without any proper investigation, allowing these fraudulent entries to continue damaging my XXXX XXXX. 
This is completely unacceptable, and these inquiries are in no way a result of any action I've taken. '' CAPITAL ONE BANK USA XXXX Capital One XXXX XXXX, VA XXXX DEPARTMENT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, GA XXXX CAP ONE XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

ok so the account number of the account in question on my transunion credit profile is XXXX, these people are still actively reporting false and inaccurate information. this is pursuant to US court of appeals, ninth circuit No. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reason for bringing this dispute to the attention of this corporation is defamation, and financial injury. the fine that is allowed by law is the extent of damages incurred by the wronged party as deemed by the courts. Pursuant to 15 USC 1692k ( 1 ) - civil liabilities, - any actual damage sustained by such person as a result of such failure ; with the word ANY - being defined as unrestricted pursuant to XXXX XXXX XXXX so that would leave roughly a {$60000.00} for all the falsely reported information from. XX/XX/XXXX - XXXX XXXX further more, pursuant to FCRA 623, XXXX XXXX XXXX XXXX US court of appeals for the third circuit court case 115 F. 3d 220 XX/XX/XXXX, Filed ( XXXX XXXX. XXXX ) the reason why would be again for defamation and for willful injury. Again Pursuant to 15 USC 1692k ( 1 ) - civil liabilities, - any actual damage sustained by such person as a result of such failure ; with the word ANY - being defined as unrestricted pursuant to XXXXXXXX XXXX XXXX  this would leave another XXXX violation on the table for a district court judge to decide on. 
further more let this be a notice to corporation named " XXXX '' that this is a cease and desist pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist, of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this alleged debt until the name and date of the flesh and blood human being is given, name of original creditor disclosed, and the public and private GAAP accounting records of this account are given.
Product: Student loan

In late XXXX XXXX I went down to part-time in my master 's program as I was done with classes, but had n't finished my thesis. Within two weeks of this change I had a bill from Navient somewhere between $ 500- {$700.00} - I ca n't recall the actual amount. I called Navient to let them know I could n't make that payment as I was working a XXXX making only {$15.00} an hour, but could afford {$50.00} a month. They said all they could do for me was put me in forbearance for a month if I paid $ 150- {$170.00} ( again, I ca n't recall the actual amount ). I told them I did n't have that kind of money and if that 's all they could do my only option would be to simply not pay. And since they would n't work with me I did n't pay from XXXX XXXX to XXXX XXXX until I landed a salaried full-time job at a non-profit. 

Now that I had a better paying job, I could start paying my student loans. When I called Navient to set up a payment plan they would n't go lower than {$500.00} a month. This is a hardship for me given I work at a non-profit where my salary does not go very far, especially since I was working and living in the XXXX XXXX where the cost of living was high. Their reasoning for why they would n't low it was because I could have paid my student loans with a credit card between XXXX and XXXX. That blew my mind! Why would I pay my student loans on a credit card? That does n't make any financial or common sense. 

So fast forward a year and a half later. My credit is ruined from those four months of not paying, but I 've been paying Navient {$510.00} a month for my student loans and have never missed a payment. During that time my dog had broke his neck and I had to put $ XXXX in vet bills on high interest rate credit cards. I 've cut corners to where I spend less than {$40.00} a week on groceries and even moved 70 miles away so I could work at a different office where the cost of living was lower just so I can pay down those credit cards. I also take side jobs where I sometimes end up working 80 hours a week, but it 's not enough. I recently called Navient to see if I could suspend payments from about nine months just so I can get a handle on these high interest rate credit cards. 

I called Navient today, XXXX XXXX, XXXX at XXXX XXXX, to make this request. I was told my only option was one month of forbearance since that is all I had left. When I asked them to work with me since they would n't work with me a year ago and are the only reason my credit tanked, the manager cut me off and said very rudely, " We are n't responsible for your life choices. '' When I asked if I should have let my dog die to avoid the vet bills, he still said it was n't their fault I made poor life choices. 

I am beyond frustrated with this company and feel like they took advantage of me. I was willing to make a payment over a year and a half ago, but they would n't take it and it has had serious repercussions on my financial health, as well as my mental health.
Product: Credit reporting or other personal consumer reports

I'm sending XXXX XXXX to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX EXPERIAN BUISNESS XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX SER XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 recently realized I lost my check card, and upon checking the account, I noticed Check Card transactions which were not mine. I called my bank, Regions, immediately to report the fraudulent transactions. I received an affidavit form back, which they did not ask me to sign. In addition to the fraudulent transactions, they included several transactions which were actually mine. I faxed the affidavit form back with the appropriate corrections. 

I just received a letter in the mail dated XX/XX/XXXX, stating that the bank has determined not to provide me a credit for any of the fraudulent transactions ( see attachment ). This is a clear violation of the Electric Funds Transfer Act, which limits my liability to {$50.00} on transactions I reported as fraudulent, because I contacted my bank within 2 days. 

Additionally, the bank charged me a {$250.00} excess activity fee on XX/XX/XXXXbased partly on these fraudulent transactions. Approximately one year ago, the Bank had charged me an excess activity fee based on their attaching my debit card to the wrong account. At te time, they mailed me a letter saying they were changing my account type so I would not be charged this fee again. 

Inexplicably, they charged me an excess activity fee this time for transactions which were not even mine!