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

On XX/XX/XXXX I submitted a dispute to Equifax in reference to some unauthorized inquiries on my credit report. I have a fraud alert as well as a police report on file with Equifax. The sent me the results the same day stating the inquires are indeed done by me. 

They couldn't have investigated that and got results in 1 day. I have a right to a valid investigation and Equifax has refused to do so. 

The inquires are listed below : 1. XX/XX/XXXXXXXX XXXX  2. XX/XX/XXXX XXXX XXXX XXXX XXXX 3. XX/XX/XXXX XXXX XXXX XXXX XXXX 4. XX/XX/XXXX XXXX 5. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 6. XX/XX/XXXXXXXX XXXX 7. XX/XX/XXXXXXXX XXXX 8. XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2021, I open a cash app account provide all my information. A couple months later they close the account with my funds still in the account without my knowledge are refunds. a couple months later I they allow me to open another account with same information but they didn't allow me to access the old account to get my funds back.
Product: Credit reporting or other personal consumer reports

I locked my credit report and placed my phone number on my credit file in case someone tries to use my social security number. XXXX refuse to investigate my inquiries. I request copies of written documents and applications but they are giving me the run around, and doing everything in their power to not help me. I ask for a supervisor and they refuse to do anything but read from a script.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX/XXXX  to pay off my account and asked for a reduced settlement amount to close out the account. They agreed and I payed the reduced amount only to find out they are reporting the full amount as out standing. It felt weird the way they dealt with me on the phone and as it turns out I received a letter showing a remaining balance. I was very clear this needed to be a full and final settlement payment and they straight out lied to me saying it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 card or prepaid card

On XXXX I was a victim of fraud A person who said he was from my bank instructed me to buy gift cards to cancel a {$4500.00} charge on my credit card.. I was panicked and confused and followed their instructions. I purchased {$800.00} of gift cards before I found out it was a common scam involving older people. I'm XXXX. Because I actually used my credit card, the bank won't refund the money. I think they should consider my mental state that allowed this to happen. I disputed this twice, once with my daughter who told them I have some signs of XXXX, and when that was denied I reopened the dispute with the help of my case manager. They denied me again.
Product: Student loan

XXXX   XXXX  - Navient statement reflects I am close to paying off my loan.    XXXX  - ca ll Navient about my  final payment because I owe less than my monthly payment of {$450.00}, told I would receive refund.    XXXX  - received refund check from Navient for {$64.00}  XXXX  - received of of letter of congratulations dated  XX/XX/XXXX  on paying off my loan.    XXXX  - received a letter dated  XX/XX/XXXX  stating that an incorrect payment was credited to my account and removed and my payment was past due. The principle due was not included on the statement. The statement also said the next payment was due  XX/XX/XXXX .    XXXX  -   XXXX   payments began to be deducted again. My interest payment went up because they did not make a deduction in  XXXX . Have yet to call about that!       Numerous calls were made to Navient. I had shredded my paper statements thinking I had paid off the loan when come to find out I actually still owed about {$13000.00}. I asked for a hard copy of all payments. I was not happy that the information did not show the declining principle.It also did not show the mistaken credit to my account but when I looked at my account on line it shows a transaction on  XX/XX/XXXX  with  XXXX  payment. All other transactions occurred on the second day of the month.       During one call my husband made to Navient regarding crediting our account by mistake he was asked if he knew a  XXXX   XXXX .  XXXX   XXXX  is my older brother who lives in Massachusetts! I made a call to my brother asking if he had recently had any problems with Navient. It turns out he and his wife made a payment to Navient in  XXXX  of  XXXX  to pay off their loan.They were harassed by Navient from  XXXX   XXXX  to  XXXX   XXXX  for non payment even though they had the cancelled check Navient had cashed!! It turns out that Navient my brothers payment to my account! How this could occur I do n't know.    XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INACCURATE INFORMATION REPORTING ON MY REPORT:US DEPT OF ED/XXXXL/XXXX - Acc # XXXX - PAID This was disputed and then removed from my credit report under the name "XXXX XXXX", later it was re-added to my credit report under the name "US DEPT OF ED/XXXX/XXXX". The account # XXXX was a fraudulent account, but is now showing as closed with "failure to pay" in the payment history.
Product: Debt collection

On XX/XX/21, I called Credit Management Co. regarding a {$54.00} collection on my XXXX report. I had to search for their contact information, as the telephone number and address that they have listed on the report is incorrect. I spoke with an agent XXXX, and then a supervisor XXXX. 

XXXX advised me that on XX/XX/21, Credit Management had sent requests to XXXX  and XXXX  to remove the collection from my reports. However, only XXXX  removed it. I contacted XXXX  on multiple occasions over several months and it was not removed, so I decided to call Credit Management and request that they submit another request. 

XXXX stated that they could NOT submit another request, and that I would have to contact XXXX. When I told him that's what I had done for almost 5 months, he told me that he couldn't help me unless I filed a police report??? I'm not exactly sure who I would file against, and XXXX couldn't tell me.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Experian, XXXX, XXXX. Experian, XXXX, XXXX, has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Mortgage

I am trying to refinance my property in California. I have been approved to subordinate my Citibank line of credit. Citibank prepared the Subordination Agreement and requires me and my wife to sign it. My wife is deceased. Citibank refuses to change my wife 's status to deceased. Citibank is making it impossible to refinance by this request, causing me great financial hardship. I sent Citibank her Death Certificate. They still refuse to change her status
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to go back to school and I had complications so I dropped the class so the loan should have been returned back to XXXX  I dont owe them I didnt go to school or graduate from there. I need it removed so I can have my credit in order I have been disputing charges from them because I didnt attend the school for even a month for me to be charged XXXX XXXX I need help with this
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX  Dear consumer, my complaint formal complaint the inaccurate credit reporting negatively impacting my credit report score. I dispute with XXXX, which denied my request.to remove incorrect information.I was listed as co signer on vehicle loan I was never no notify about vehicle repossion until my daughter XXXX XXXX got up to go work car was gone they did not notify anyone I was not able to get personal items out car they have not giving information for us to get personal belongings I had just brought my granddaughter apple labtop that was left in vehicle as well I was not given chance to retrieve them also this is going to be on my credit report until XXXX XXXX I am requesting immediate review and correction on this entry  from the previous I try contact lender before when I reported this to fcra now you see they retalited and had the car repo never notfyied XXXX XXXX to get her belongings out of the car I told investors what they have not ever send me information they said they send it to XXXX XXXX XXXX I told XXXX my address never change I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX my driver license has same address when I co signer nothing change.I would like to have my granddaughter's laptop. She has XXXX XXXX, they handled the situation wrong by law, just like they repo car; they could have told us where to go to get the belongings. I looked at my credit report, and I showed investors lending  see my report, correct address"
Product: Credit reporting or other personal consumer reports

This is ridiculous! I contacted Experian over 30 days ago and they have done nothing to resolve the issues I reported to them regarding my consumer credit report. I haven't heard anything from them and I've see no changes on my credit report. This is causing me emotional distress, as this incorrect information on my report is effecting me from getting a home. They don't seem to be following the rules set out for them as nothing has been done and I have not receive a single update from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Banks and s & ls Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Banks and s & ls Inquiry Date XX/XX/XXXXRemoval Date XX/XX/XXXX Business Type All banks XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX EQUIFAX, XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Miscellaneous EQUIFAX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX XXXX XXXX Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX - XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type National credit card cos. 

EQUIFAX XXXX - XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type National credit card cos. 



XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards
Product: Credit reporting or other personal consumer reports

Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request. 

" Whoever, having taken an oath before a competent tribunal, officer, or person, in any case in which a law of the United States authorizes an oath to be administered, willfully and contrary to such oath states or subscribes any material matter which he does not believe to be true, is guilty of perjury and shall be fined no more than {$2000.00} or imprisoned not more than five years or both. '' 18 U.S.C. 1621, 18 U.S.C. 1001 NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Despite XXXX  written requests, the unverified items listed below still 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 investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Debt collection

A Guy Named XXXX XXXX From A JL Recovery Company Is Calling Me And Harassing Me. He's Called Me Twice This Week And Says He's Calling On Behalf Of A Client, But Won't Tell Me The Clients Name. I Believe This Is A Scam And I Want To Make A Formal Complaint Against This Company. XXXX Was Very Vague And Wouldn't Disclose His Company 's Information.
Product: Credit reporting or other personal consumer reports

The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681 Section 602A. states that 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 or any other adverse items of information other than records of convictions of crimes 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 has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

meridian financial is trying to collect a debt for maintenance fees they are saying are from XXXX XXXX XXXX club which was discharged in chapter XXXX no asset bankruptcy XXXX/XXXX/13. Because thus was a no asset Chapter XXXX, I was released of all debts and obligations under the " XXXX XXXX '' ruling by the supreme court. they are saying they are for maintenance fees after the backruptcy however I was relieved of the obligation of the membership with the discharge of chapter XXXX.
Product: Checking or savings account

I got a letter from the president of the bank vice president and then things were rectified and I no longer hold the money that they said I over then when I used my refunded money back they didn't clear out all the overdraft fees and left like a {$34.00} or some small fee on my checking account it began to grow and swell to {$57.00} or more I don't like tactics like this and I want to close my account and I feel like I'm being charged with an undisclosed hidden fee for closing my account I got a letter from XXXX XXXX Senior vice president XX/XX/XXXX XX/XX/XXXX I'm sorry 2020 I was giving a credit of XXXX on account ending XXXX yet the resolution transaction dispute good newsletter case was approved became an additional hidden about that led to an overdraft fee right now which is the subject of this complaining the reason why I'm closing my my checking account asking to waving the {$54.00} that you're charging my account under the rest you're running my business away and that is why I've contacted you to end our relationship it's unfortunate but you know I can't keep looking over my shoulders for hidden fees and cost address of communication with some XXXX XXXX lady that I do not know
Product: Debt collection

Sent the original creditor XXXX XXXX XXXX a negotiable instrument to pay the debt in full of {$590.00}. XXXX XXXX did NOT honor my attempt to remedy the matter. I received a letter from said furnisher XXXX XXXX XXXX ( see attached letter ) stating that XXXX XXXX XXXX DOES NOT accept negotiable instruments or restrictive endorsements, claiming that these ARE NOT VALID FINANCIAL INSTRUMENTS and my attempt to remedy the situation was a scheme. Also stated that the only forms of payments that are accepted is LEGAL TENDER. The said debt was DISCHARGED then sold or purchased by a third-party MIDLAND CREDIT MANAGEMENT INC. My privacy was breeched once XXXX XXXX resold my information to MIDLAND FUNDING LLC . MIDLAND CREDIT MANAGEMENT INC began aggressively trying to collect the discharged amount OF {$590.00}. MIDLAND FUNDING LLC states that they are the current owners of the debt, and they ARE ENTITLED TO REPAYMENT. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. It is the policy of the Congress that each financial institution such as XXXX, XXXX, XXXX has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( XXXX XXXX XXXX AND MIDLAND FUNDING LLC ) is a financial institution by definition under that title. 15 U.S.C 1681 section 604 A section 2, states that in general subject to subsection ( c ), 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. XXXXXXXX XXXX XXXX  AND MIDLAND FUNDING LLC and the consumer reporting agencies XXXX, XXXX and XXXX do NOT have my consent to furnish this information, and I DID NOT GIVE THEM MY written consent. Any and all consent to XXXX, XXXX, XXXX and XXXX XXXX XXXX  XXXX Midland Funding LLC whether it be verbal, non-verbal, written, implied or otherwise, is NOW REVOKED. 15 U.S.C 1681C ( a ) ( 5 ) states- Except as authorized under subsection ( b ), 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 seven years. This account is an adverse item they are reporting again without my permission which is against the law. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I XXXX XXXX AM OPTING OUT OF XXXX XXXX XXXX  XXXX MIDLAND FUNDING LLC from reporting to the consumer agencies.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

As of this writing I have been dealing with the underlying company Sofi Lending Corp since XXXX..I have contacted this company in reference to this account which was open XX/XX/XXXX, XXXXThis account was blocked back In XXXX due to FTC identity theft report and local police report in my state..However, as of XX/XX/XXXX it has been reinserted back on my credit file after nearly 5 years later..I contacted the three major credit reporting agencies XXXX, XXXX, and XXXX and was told this company Sofi has reinserted there company name on my credit file as of XXXX XXXX..I have sent theft report back in XXXX when I first discovered this company name on my credit file in the amount of XXXX, XXXX
Product: Mortgage

I sold my home at XXXX XXXX XXXX on XX/XX/2020. US Bank owes me approximately {$380.00} due to an overpayment. I've been trying for nearly 2 months to get that payment sent to me and they are not sending it, even though the pretend like the " check is in the mail. ". I've called at least 5 times, been told it will be resolved, only to never have my money arrive. They have no problem mailing me credit card offers, closed statements for my old checking account, or any other documentation. It's ONLY the money I'm owed that never gets to me. They also never have provided a written closing statement to me.

I've attached a statement with my account number and name so my info can easily be ID 'd.