23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midland Credit Management has been calling me since last year regarding an account I had with XXXX XXXX XXXX XXXX . I 'm trying to purchase a house next year and want to straighten my credit out so I decided to make an agreement. I originally agreed to make 3 payments of {$590.00} to settle the account. After the 2nd payment was made I did some research, called Midland and told them to cease anymore withdrawals from my account. I called XXXX on XXXX XXXX and Paid {$30.00} to stop the payment just in case they tried to take my money. After doing some extensive research I found over XXXX complaints about this company and their bad practices. I called them up and they stated to me " Your account is closed and we will cease reporting ''. I then asked why would they not report that I paid them so that this will show the bureaus that I 've settled the account and he had no answer. I then called XXXX and they stated that I am listed in good standing with that old account, which does do n't show up as derogatory. They also told me that Midland is n't even on my report. I then pulled all XXXX credit reports and Midland is nowhere to be found, which means the 2 previous payments were not updated with the credit bureaus. They basically conned me out of {$1700.00} that I really could not afford. The last payment that I asked them not to take out caused my account to go into the negative. This company has been fined for over XXXX dollars due to their bad practices and taking advantage of people. I would like to get my money back if possible.
Product: Credit reporting or other personal consumer reports

After thoroughly examining my credit report, I've noticed several discrepancies in accounts, inquiries, and personal details that seem inaccurate and impossible to verify. Consequently, I'm seeking a fair and transparent procedure to rectify these issues and manage my credit file, personal data, insurance, and associated information. It's imperative that any steps taken are just and unbiased, maintaining confidentiality, accuracy, relevance, and lawful utilization of this data. Below are listed items that need attention in my credit file which needs to be remove or updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX 120 days late XXXX XXXX XXXX Late 30 days XXXX XXXX XXXX XXXX Late 30 days XXXX XXXX XXXX Last Payment XX/XX/XXXX XXXX XXXX XXXX Last Payment : XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit card

Financed dryer from Best Buy on XX/XX/year> had for XXXX months started to smoke, contacted a person to check it out they had said that the person who installed it did wrong put screws that were not meant for that dryer. ended up finding the screws in the bottom of dryer they did not do their due deligence and failed to install right which almost burned my house down. I contacted Best Buy and they said they would pick up and take off the XXXX from my account, well they screwed up again and did as a haul instead of a return and never took off my account! Im not paying for their mistakes!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting signicifcant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my xlaims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.
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 : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX : XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXXL : # XXXX, XXXX : # XXXX has violated my rights. 
I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 supposed 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX 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

In XXXX this year I have 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 stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

Bank of America began deducting $ XXXXmonth fees from my checking account. When I opened the account, I was told there would be no fees. That was the only reason I opened the account. Then they changed policies, did not notify me, and began deducting fees on the account. The account was inactive and the fees took all of the money in the account. 

On XX/XX/2019 I called Bank of America and an employee told me I would get all of my money back, but I had to go to the bank to close my account in person. I was told this was noted on my account and given a " trace code ''. I went to the bank, but in contradiction with the bank employee on the phone, they told me I needed to call another number to get my money back. I did this, and then they told me I would not get my money back. So the bank ended up taking all of the money in the account that they told me would be free to open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice that Experian credit bureau is reporting inaccurate personal and public information on my credit report. I have sent several notices requesting them ( Experian ) to validate this inaccurate information, where it came from, who's their point of contact, and what document proof they have to support this inaccurate information that they're reporting on my credit report. Experian has not been able to or just flat out refuses to send me any supporting documents that validates this inaccurate information that they're falsely reporting that is a valuation to my rights. I have sent supporting document to Experian from the reporting agencies that Experian claimed verified this inaccurate public information stating they did not and do not verify and personal or public information nor do they report any information to the credit bureaus.
Product: Debt collection

In XX/XX/XXXX I received a letter from a debt collector XXXX XXXX XXXX stating I owed {$300.00}. I immediately called them to find out why. It was a credit card from Old Navy. I stated I never got a bill and we both looked at the documentation and they were billing a incorrect address. I never once received even the first statement. They had the wrong town of XXXX XXXX CT listed. This address doesnt even exist so all these statements must have been sent back to Old Navy. I asked what the balance was of what I actually purchased and paid it on XX/XX/XXXX on line with the rep. I paid {$130.00}. I asked them to close out the issue as closed but they want all of the rest of the fee amount of {$200.00}. Now this is appearing on all 3 credit reports. I feel that this is irresponsible when even they agree that Old Navy never got the address right or even tried to fix it when XXXX XXXX  seemed to have no problem at all getting my address correct. This is unfair billing practice. Please close this issue out and remove it from the 3 credit reports. I have attached a letter that portfolio recovery sent to me from they got from synchrony bank old navy credit card company with the invalid address.
Product: Vehicle loan or lease

I got a car from us Autos XXXX and now they are under investigation it's XXXX  and they say I owe XXXX still I know I been overpaying especially doing the pandemic and they always turning off the car
Product: Money transfer, virtual currency, or money service

Hey Zelle didnt help me at all but lose money..no disputes or nuthin.. n they have repeated to let it happen over n over very lack of there accountability
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was emailed that my robinhood account would be restricted. I emailed and called them several times trying to figure out why and all that I was told is that I would have a response from the robinhood team by XX/XX/year>. I received an email on XX/XX/year> stating that after reviewing my account they will be closing my account. I had no idea why so I emailed them and they said for suspicious activity but I had done nothing out of the ordinary. All that I was told was that it can happen when the activity violates their Customer Agreement, or when we exercise the right to close your account as disclosed in our terms and conditions.. I am very shocked with their actions and need help. I have money in the account still and am very worried they will loot me out of my funds that I have earned.
Product: Checking or savings account

My account got deactivated on XX/XX/XXXX when I was asked to provide the source of my funds, I uploaded an invoice discussing project expenses. I didn't realize that I had to provide the contract for being able to provide services to my company, so I contacted the relevant team by email and attached my contract but it wasn't affective and I was reported on XX/XX/XXXX that's the final decision but I don't accept this decision because I don't have any activities that violates the acceptable use agreement.
Product: Credit card or prepaid card

HAPPY XXXX AND HOLIDAYS! Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payments remarks on the last few months for XXXX and XX/XX/2020 for 30 and 60 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I the consumer reviewed my consumer reports and found the following violations. Pursuant to 15 usc 1681b - Permissible purposes of consumer reports - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I the consumer have never given any of the consumer reporting agencies known as XXXX  TRANSUNION, XXXX  any written instructions about the consumer reports listed in my name, which is a violation of 15 usc 1681b ( 2 ). Pursuant to 15 usc 1681c ( 4 ) they are also civilly liable for placing collection accounts on my consumer report. I am demanding they remove the alleged debt from my consumer reports remit payments to me for violations and apologize. Each consumer reporting agency was sent by certified mail, a written statement, a copy of the law that was violated, and a copy of my consumer report.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so.

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I submitted a dispute with CHASE bank because there were unauthorized transactions in my account totaling to {$250.00}. I received a temporary credit until the investigation was completed. CHASE bank then sent me a letter dated for XX/XX/2022, stating that the investigation has been completed and the transactions was valid and the temporary credit of {$250.00} will be reversed from my account on XX/XX/2022. CHASE Bank has not provided me with any documentation that proves that these transactions were in-fact authorized by me. Pursuant to 15 USC 1693g ( a ) it is the purden of proof for the financial institution to provide proof that an unauthorized transaction was authorized by the consumer by signature, photograph, or fingerprint or by electronic or mechanical confirmation. CHASE has not provided me with any of the requirements under this subsection. Also, CHASE has in-fact deducted {$250.00} from my account on XX/XX/2022, without providing me with any of the requirements listed under 15 USC 1693g ( a ). Please help assist in resolving this matter as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) Seven days ago, I signed for EQUFAX free 7 days trial, and then $ XXXX/m. 
2 ) I looked my EQUIFAX credit report XX/XX/XXXX and was NOT SATISFIED WITH THE EQUIFAX CREDIT REPORTS AS THESE REPORTS DID NOT GIVE AN ACCESS TO XXXX  AND XXXX CREDIT REPORTS, JUST THE SCORES. 
3 ) I canceled MY EQUIFAX SERVICE IMMEDIATELY, thus Equifax charged me today ( 7 days later ) {$19.00}.

4 ) I called the Equifax customer servise at ( XXXX ) XXXX at XXXX XXXX on XX/XX/2022 and spoke with the Equifax representative XXXX : XXXX. I requested a refund and ask why the service was continued as I canceled it 7 days ago. 
5 ) XXXX XXXX told me '' he needs to get into my credit report '', asked me all PERSONAL IDENTITY QUESTIONS for verification purpose. 
6 ) Then, XXXX XXXX continued to verify me, and sent me the following link, REQUESTING FROM ME TO SNAPSHOT MY DRIVER LICENSE : https : //document-verification-ifs-ca.us.equifax.com/error? fbclid=IwAR1BwYSkplOeMflZ2eOUFRAIEGZKhs9Jthf2lJnuFdGbIlRkke7abDMG6TM. 
7 ) While on the phone with XXXX XXXX, I snap-shoot my ID, THEN THE PHOTO SNAPSHOT OF MY ID suddently DISAPPEARED! I became very nervous not knowing where is the copy of my ID and if it was transmitted over the PHONE anywhere ; I told XXXX that this is very complicated and scary, and I should not be put into situation to do complicated verification of my self,. 8 ) JUST CANCEL MY SUBSCRIPTION WITN EQUIFAX AND REFUND MY MONEY. 
9 ) XXXX XXXX became also nervous, and told me that I should answer serious of verification questions. 
10 ) I proceed and XXXX asked me all questions about my mortgage, loans, credit cards, student loans, etc. 
11 ) THEN XXXX XXXX TOLD ME THAT THE EQUIFAX SYSTEM CAN NOT VERIFY ME!!!!!!! XXXX XXXX told me that I must send them my documents/IDs by mail. 
12 ) I WAS VERY ANNOYED as I simply wanted to cancel my subscription and refund my money. It is my right, more so I was calling to tell I already CANCELED IT. I told XXXX XXXX that I will file a CFPB complaint and will call my Bank to file a dispute. 
13 ) FINALY XXXX XXXX told me I COULD GO TO MY EQUIFAX ACCOUNT AND CANCEL MY SUBSCRIPTION myself. I objected and ask why XXXX XXXX did not started our conversation with this. 
14 ) After I terminated our conversation I did go to my Equifax account and cancel ( FOR THE SECOND TIME ) MY SUBSCRIPTION, BUT THE EQUIFAX DID NOT GIVE ME BACK MY {$19.00} ; EQUIFAX SYSTEM STATED I COULD HAVE THEIR SERVICE FOR 1 MONTH MORE. 
15 ) IF I AM NOT HAPPY WITH THE EQUIFAX PLATINUM, WHY SHOULD I KEEP THEIR SERVICE LONGER? 
16 ) EQUIFAX IS LYING TO CUSTOMERS, PROVIDING THE FAULSE ADVERTISEMENT ON EQUIFAX.COM THAT I CUSTOMERS COULD REACH XX/XX/XXXX CREDIT REPORTS, BUT EQUIFAX NEVER PROVIDES SUCH OPTION TO CONSUMERS, JUST THE CREDIT SCORES.
Product: Credit reporting or other personal consumer reports

There are inquires showing up on my credit report that were not authorized by me as the consumer. I have tried to contact Transunion directly to get these items removed & they refuse to help me after waiting on hold for hours before speaking with someone. It is preventing me from being able to utilize my credit & I demand they be removed immediately because they go against my rights as a consumer to report inaccurate & fraudulent information on my report. They are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting Act the account below has violated my federally protected consumer right as it relates to 15 U.S. Code S 1681. Account Name : Bank of America # XXXX XXXX Credit Report I reviewed my credit report on XX/XX/XXXX I noticed somethings are incomplete and not accurate. I wrote to said company ( certified mail ) requesting validation of the alleged debt, including any original signed contracts or agreements. Said company has NOT and DID NOT provide proof of such account, including original signed contracts or agreements. 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 U S Code 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general, if after 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 Ii ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation and 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 supposed 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
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$6700.00}.