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

On or about XX/XX/XXXX, I uploaded XXXX documents, per XXXX  XXXX, which included a letter from a Non-governmental agency ( XXXX ) certifying that I was a victim of human trafficking, a copy of my ID, a copy of my utility bill, and a self-attestation letter with the accounts and information to be removed from my credit report AND credit file, to both XXXX and TransUnion via their websites. This was done to also ensure that the information was inputted into the e-Oscar system. Per the XXXX, credit reporting agencies MUST remove the accounts listed by the victim, from their credit reports within XXXX ( XXXX ) DAYS. I waited XXXX business days and BOTH TransUnion and XXXX failed to remove the accounts. 

On or about XX/XX/XXXX, XXXX sent me an email requesting that I submit documentation for my claims of being a victim under XXXX, for which I had already submitted the required documentation. I then called XXXX and had a conversation with an employee who identified himself as " XXXX '' and stated he was a " supervisor '' for the department that handles issues with victims of human trafficking. During the conversation, " XXXX '' informed me that XXXX was questioning the validity of the letter I uploaded from the XXXX. When I asked if under the law, XXXX had the authority to question the validity of a victim certification letter submitted by an XXXX, he stated yes as it was part of their job. I then stated that if there was a question, why XXXX did not call the XXXX and/or do a organization search to confirm their validity prior to denying my federal rights as a victim under XXXX. He only stated again that XXXX was questioning the validity of the letter. During the call, I informed " XXXX '' that I was recording the call for my protection under federal consumer protection rights. " XXXX '' then told me that XXXX records the call but I was not allowed to record due to XXXX 's policies. I then stated that I was in a state that requires consent to recording and I was not informed that the call was being recorded UNTIL I stated that I was recording the call. Thus, XXXX was recording WITHOUT informing and receiving my consent. This is a violation of XXXX and XXXX. I have retained a recording of this phone communication. 

TransUnion has failed to communicate with me within a timely manner regarding my submissions as a victim under XXXX. 

To date, XXXX, XXXX, XXXX, neither XXXX or TransUnion, have complied with XXXX  by complying with my federal rights as a victim under XXXX. This exceeds the XXXX ( XXXX ) days, albeit business or calendar, in which credit reporting agencies are required by federal law to act on behalf of victims under XXXX.
Product: Student loan

My loan was consolidated without my permission by either Nelnet or XXXX in XXXX after I had paid on the loan since XXXX. I was told by XXXX that they were taking my loan over and they would put me on an income-driven repayment plan that would forgive any remaining debt in year seven after they took the plan over. I was told this was at the Department of Education 's direction, and I did not file an application or ask for this. I only found out speaking with XXXX, who says the loan was sent to them as a consolidated loan, that the loan had been consolidated. I called XXXX XXXX ( XXXX contact at XXXX ) and spoke with XXXX on XX/XX/XXXX. I was told they do not have any contract or recorded phone call to prove I made the consolidation. He recommended I file a fraud complaint with Studentaid.gov. I have made three complaints related to this loan, and they closed them all in a couple of days without investigating them. XXXX or Nelnet submitted fraudulent applications which have my typed name on them and concocted information about my address and references. No one seems to know which company did the consolidation for certain, and I can not find a lender on either of the applications, but Nelnet Loan Services is listed as the loan to consolidate, which makes no sense because the loan was consolidated at the inception, and I had paid off the separate loans so there was not more than XXXX loan to consolidate. Nelnet or XXXX committed fraud, and no one I have spoken to has helped to resolve the matter. I have also paid over $ XXXX on a $ XXXX loan and still owe over $ XXXX due to the deceitful tactics of Nelnet, who first held the loan, and XXXX, who took the loan over from them. I have attached all of the documents I have related to the loan.
Product: Payday loan, title loan, or personal loan

I took only {$1200.00} short term loan and started paying regularly. Their sales person was a sweet talker and lied to me on loan terms and interest rate. He said that if I made regular payments for 3 months they would bring down the interest rate to single digit. I never missed a payment for 4 months and to my dismay I found that they increased the rate substantially and despite numerous requests they did not change the interest rate and payment terms. They even refused to change the payment date from XXXX of every month to the XXXX week of the month as my rent is due on XXXX of every month and I just can not pay other bills on that day. 
I paid over 50 % of the loan amount but got into this debt trap by their false and misleading sales tactics. 

I am a XXXX XXXX XXXX diabetic patience and self employed. They harassed me many many times and also sued me to the local court. 

For me buying XXXX for my XXXX is important in order to live. With this outrageous monthly payments I will not have any money left for my medication. They know about my condition and refused to lower interest rates and payment terms. 

Their debt trap will lead me to slow death as my medication is extremely important to me. Their harassment tactics put XXXX XXXX in my life and and as a result my blood sugar level has increased significantly. 

Please help
Product: Money transfer, virtual currency, or money service

Hi, I created an account with XXXX XXXX XXXX XXXX XXXX  ( BlockChain ) sometime around XX/XX/2021. However I did not make any transactions till the XX/XX/2021. I made a total deposit of around XXXX USD. 
However, my issue comes about when I try to withdraw the XXXX. I keep on getting the error " Invalid Withdrawal Amount '' and " Already has withdrawal pending on address : processing another transaction ... '' ( Kindly note that I have been trying to withdraw since the XXXX of XX/XX/2021 ). 

I have reached out to the customer service team severally and none of the solutions they have provided seem to work. Its quite funny that one of the Agents asked me to send a XXXX XXXX XXXX so that he can help with my issue yet on the console, it is clearly stated that I shouldn't share with anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection balance of XXXX on my report that I have no authorization of I have disputed it multiple times but nothing happened I acquire my credit report and asked the credit bureaus to check and make sure everything was complete and accurate to XXXX XXXX XXXX ( XXXX ) I waited 30 days and received my investigation and notice everything was still the same. the consumer reporting agencies which is, Experian, and did not modify or remove anything The date open is not correct, date last active not correct on credit report which is XXXX is impacting me from moving forward buying a house for my family starting my business etc. I attached my previous report to show how Experian violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a charge off a XXXX mortgage in 2021 in my credit report by XXXX. This is not mine and they are illigelly doing it.
Product: Debt collection

I pulled my credit report last month ( XXXX ) and the following company was Head Mercantile Inc. 

This company did not contacted me or send me a letter about a debt I owed so that I could dispute it.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns regarding Lexington Law handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Lexingtion Law numerous times and reporting discrepancies, that was not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax on XX/XX/XXXX, XX/XX/XXXX, and just recently on XX/XX/XXXX regarding inquiries that are on my credit report that have not been addressed nor erased. 

Equifax has continued to give me a computer generated response informing me that inquiries are matters of factual data. Equifax reported HARD inquires against my report and I have stated to Equifax that those were never authorized by me. The companies who listed those inquiries would not communicate with me because of other legal matters, but Equifax has not mad any attempts to correct this inaccuracy. 

Ref : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, ( requested removal ) XXXX XXXX XXXX ( Should be recoded as soft inquiry - not hard )
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am a victim of XXXX XXXX XXXX, and I have provided all of the documents to provide proof of this and I would like XXXX XXXX  REMOVED FROM my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

X/XX/2017 I tried to initiate a credit freeze with Experian following the XXXX data breach. Experian took all of my personal info online, including SSN and credit card info. Then I received a default error message that I would have to mail in my request : " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' The info I entered was correct. I did it twice. I had just used the same info for a security freeze with XXXX. 

I tried calling, and got a recording saying to call 'during regular business hours. ' There is a huge customer need to do a security freeze, and Experian is impeding this. Clearly, the online Security Freeze is not working. Others are reporting the same issue online. Is Experian really taking calls 'during regular business hours ' from a few 100K people? This is shameful. It leaves me vulnerable due to Experian 's intentional neglect and willful inaccesibility.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Cfpb has recently filed a lawsuit against Experian alleging systematic issues such as falling to provide evidence to consumers. These failures align with my experience where Experian has neither corrected nor removed disputed items despite information I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amende the disputed accounts
Product: Money transfer, virtual currency, or money service

XXXX 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: Credit reporting or other personal consumer reports

My information was used for an unauthorized inquiry performed by XXXX XXXX XXXX on XX/XX/year>. XXXX XXXX fraudulently opened an account on XX/XX/year> in the amount of {$15000.00}. A vehicle was purchased at XXXX XXXX XXXX in XXXX, NC. I have never been to XXXX, NC. I found out that my information was part of the Equifax data breach. I contacted XXXX XXXX XXXX and they have not provided evidence of how they verified identity. They are unwilling to provide any information. I have contacted XXXX XXXX regarding this account, and they could not provide evidence on their process to verify identity. I have submitted several disputes with all credit bureaus. XXXX XXXX needs to take responsibility for their fraud, and remove the inquiry and the account from my credit report as I am a victim of fraud. I have filed and Identity Theft Report with the with FTC and my local sheriffs office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a compliant with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 50 days so they should be deleted promptly
Product: Debt collection

A Cashier Check of {$8900.00} was written to XXXX XXXX XXXX XXXX XXXX College on date of XX/XX/18. It was the amount own to the college. I looked at my credit and saw that I had a debt of {$10000.00}. I then immediately double checked with my parents and they confirmed it was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT MINE
SICK FOR AN ENTIRE YEAR WITH XXXX
-

Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX  Phone number
XXXX XXXX

Is everything correct?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I recently Apply for a business credit for my start up company XXXX XXXX through an online application with XXXX. I did not give XXXX permission to run my personal credit If in fact they did run my personal credit it was done without my consent. My company is a limited liability corporation in which I am 100 % stakeholder in and I do not sign personal guarantees on behalf of the company. This hard inquiry that was place on my Equifax credit report should be removed because I did not authorize them to run my personal credit. 

Thank you for your time
Product: Credit card

KOVO ISN'T REPORTING MY XXXX REPORT AT ALL, THEY HAVE THE DIFFERENT OPENING DATE, LAST DATE ACTIVE IS INCORRECT. 
Account Type : Installment Installment Account Type - Detail : Installment sales contract Installment sales contract Bureau Code : Individual Individual Account Status : Open Open Monthly Payment : {$10.00} {$10.00} Date Opened : XX/XX/2023 XX/XX/2023 Balance : {$200.00} {$200.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$240.00} {$240.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/2023 XX/XX/2023 Comments : - - Date Last Active : XX/XX/2023 XX/XX/2023 Date of Last Payment : XX/XX/2023 XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a settlement letter to Mountain Lion Acquisitions INC and I have not yet got a response. Here what happen when I call about the letter. 1 ) I want to WHY representative said " I don't recall a letter '' and refuse to check the file? 2 ) They never told me the Mini Miranda Rights at the start of the call. 3 ) They falsely claim that they have a lien on a property which I don't own any property. So how can that be true if I don't own any property? So I guess it company policy to lie to customer to get them to paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken Loans contacted me regarding a refinance. We recently ( 8 months ago ) did a refi. When they called initially I thought they were calling because we recently changed our insurance carrier. The Loan Officer did ask to verify my identity by confirming my last 4 and dob but not once did he advise or did I specifically authorize they pull me and my wifes credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lease with XXXX XXXX XXXX. I traded in my old XXXX last XX/XX/2020. On XX/XX/2020, they called me to inform me that there was a forberance plan available to help customer though the Pandemic due to COVID 19. The representative told me that I qualify for 90 days without making a payments and they will add those payments to the end of the lease, my lease is for 36 months and it will be for XXXX. I checked the website every single month and in the statements said XXXX balance, meaning that I did not have to pay. I never received a phone call from them or a letter advising me that I should pay. On XX/XX/XXXX I received a letter that my account was passed due and that I had to pay the three months due. I was sick at home tested positive with XXXX, I had to leave my job for almost 2 months and my finances went down. I started calling them every single day and they always told me a different answer. I ended up paying the whole amount which let me in a terrible financial crisis. They also reported me to the Credit Bureau and my Credit Score went down. They treated me very poorly, horrible customer service. They were very unfair, never found a solution to my situation and never cared that I was at home with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consistently have problems with Transunions website tool to freeze and unfreeze my credit file. This time they've locked my credit file based on their random questions ( they give you three when you call in ). First, I could barely understand the representative and after he spelled out the random question optional responses I was so focused on not understanding him I did not realize he gave me an option that wasn't the creditor but indeed the title company. Nobody knows the name of any company they get credit from except the brand through which they apply. These people should have there things tied AND since I have spoken to four people thus far, the latest which tells me the office I need to help me isn't open until Monday, none of which speaks english as a first language and is difficult for the untrained ear to cut through the accents. Transunion is the only company I have a consistent problem with and I've had to lift the freeze for a recent refinance and experience this clunky process. Even if I do not have my pin for the other two there is a simple way to recover because their websites work - they do not ask me questions, my social security number and birth date and then return a website response that states : " The TransUnion Credit Freeze Service is temporarily unavailable.

Please try again later. If you need immediate assistance, please contact our Consumer Relations team at XXXX, open Monday through Friday, XXXX a.m. to XXXX p.m. Eastern Standard Time. 

Then you call them at XXXX Friday evening and they are not on duty AND I have no way of requesting a new PIN mailed to me until I speak to that department rather than request online. Who manages these online process?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention an issue that I have been encountering with XXXX XXXX XXXX, XXXX, XXXX, and Equifax. The essence of my complaint revolves around the false and inaccurate reporting of an unsecured loan attributed to me by XXXX XXXX XXXX, a " credit services organization ''. 

In documentation provided by XXXX XXXX XXXX they openly acknowledge, " XXXX XXXX XXXX XXXX DBA XXXX ( XXXX XXXX ) acts as an intermediary between a Lending Partner ( the Lender ) and you in connection with Loans made by the Lender ... XXXX XXXX does not make Loans or provide credit counseling or credit repair services. ''. Additionally, they confirm that they do not directly or indirectly extend credit to consumers, which is consistent with California Civil Code Section 1789.13 ( p ) It is therefore illogical and factually incorrect for them to report an unsecured loan on my credit report when they themselves concede that they do not provide loans. This information is not only materially false but also breaches the Fair Credit Reporting Act, 12 CFR 1022.41 ( a ), as it misrepresents the nature of my relationship with XXXX XXXX XXXX. 

Moreover, the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ) ( 1 ) ( A ), prohibits any person from providing information about a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. Given the above assertions, it is clear that XXXX XXXX XXXX, XXXX, XXXX, and Equifax, have violated this regulation by insisting on the validity of the unsecured loan. 

Despite my efforts to resolve the issue by disputing the inaccurate information XXXX, XXXX, and Equifax insist that they have 'verified ' the information, an assertion that I challenge based on the legal definitions of " Verify '' and " Verification ''. As per XXXXXXXX XXXX XXXX XXXX XXXX XXXX, " VERIFICATION '' is defined as the " Confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition '', and " VERIFY '' is to " confirm or substantiate by oath ''. It's clear that the verification process necessitates a formal oath or a similar legally-binding assertion, which I find doubtful in this context. 

And if for no other reason, the account should be deleted as a matter of privacy, which congress has stated is my right.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  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: Credit card or prepaid card

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITALONE with no successful resolution. XXXX, XXXX, and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late four times.