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

When I tried to fix some problems with Experian & XXXX  - both CRAs did a lot of un-ethical showing me a lot advertising for other products! Even after I made it clear that I did not want to buy those products - they kept sending those ads! 

That has compounded the problems with false info! Even this month - XX/XX/XXXX - I tried - a lot of times to check if XXXX had deleted the false info. I COULD NOT load my credit report because when I tried - more XXXX  Advertising came instead! 

That happened again & again & again!!! So now I have to file complaints against all 3 of those companies!!! I need to file complaints with CFPB about distinctly different 3 distinctly different companies. - Those 3 companies are - 1- XXXX. - 2 Experian. & 3 - XXXX. 



In XX/XX/XXXX - I had been a customer of all 3 of these companies since almost as long I have been old enough to have credit cards or credit reports. - Things had gone very well! - Then - in XX/XX/XXXX - some problems started! - In XX/XX/XXXX - false charges started appearing on my XXXX XXXX. - I called XXXX Customer Service to talk to them about that. - Some of the charges were from another state. Very strange. - I was avoiding using my XXXX XXXX for a while. - XXXX de-activated my account. - XXXX sent false info to my credit files! - I suffered from a ridiculous amount of adverse actions because of XXXX sending false info to my files! - I also suffered from adverse actions because XXXX failed to correct the problems even after 30 days! - Those 3 companies - XXXX, Experian & XXXX  have severely violated FCRA! - That caused more adverse actions against me! - For example - I got toy limited by XXXX XXXX XXXX XXXX XXXX! That toy limiting almost certainly happened because of XXXX sending false info to my files! 

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Product: Credit card

I booked a flight for my family- myself, my husband, and our son- through Chase travel portal. I had to cancel my flights due to medical reasons and the airline processed the refund on XXXX XXXX XXXX. Chase then proceeded to refund me but the issue was they only refunded the XXXX and one adult and I'm still waiting for the refund for the second adult. I have been following up with Chase countless times sinceXX/XX/XXXX and all I have been told was a ticket was created and escalated to their accounting team. Each and every time I called Chase their team promised to call me within a certain frequency to update me on the progress but they have failed to do that every single time, which leaves me having to follow up every week, only to be told to wait longer. The latest conversation I had with them was on XXXX XXXX XXXX through which I learned the reason it has taken so long for the refund to be processed was someone on their accounting team made a mistake. Even though the mistake was on Chase 's part, they showed no willingness to help me resolve the issue and get my money back. All they keep repeating to me is wait. They have been holding my money for no reason and refused to release it in a timely manner.
Product: Credit card

On XXXX XXXX, 2015 I rented a car XXXX. I discovered a flat tire within in an hour of picking up the car. Despite numerous attempts, XXXX did not provide any assistance. I could not use the car. 

I reported the incident to Chase that same evening and requested that no payments to XXXX be authorized from my account. Despite my request, charges were posted on my account. 

I submitted a formal dispute to Chase on XXXX XXXX, 2015. In a letter dated XXXX XXXX, 2015, I was informed that my dispute was terminated since XXXX did not respond to Chase 's attempts to " investigate '' it. 

I contacted the manager XXXX directly and she refused to remove the charges. 

On XXXX XXXX, 2015 I closed my account and resubmitted a formal dispute to Chase. In a letter dated XXXX XXXX, 2015, I was informed that my dispute was denied. 

Chase continues to attempt to collect {$1200.00} ( an estimated according to the last bill I received ).
Product: Credit reporting or other personal consumer reports

Im asking for your help with the incorrect account listed on my credit report. This has affected my reputation, and I require your assistance. Due to your mishandling of the situation, my credit report has caused significant damage to my standing. You must eliminate the incorrect information from my report
Product: Credit reporting or other personal consumer reports

I have identified the following unauthorized inquiries, which I have not approved. These inquiries must be removed immediately as they violate the FCRA 's mandate for accurate reporting. 

Unauthorized Inquiries XXXX Listed below are the Inquiries that are being challenged INQUIRY 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 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 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

Equifax Credit reporting has made the ONLINE process fo disputing incorrect reporting from our credit reports extremely complicated. I as well as friends and family, some of the same household are getting security questions that are " supposedly '' on our credit reports that are not actually on there. If we select " none of the above '' to the questions, we are being referred to mail in our dispute which takes several weeks or make the consumer less likely to proceed with filing the dispute. 

The problem is that we ARE able to access the same Equifax credit reporting if we use a 3rd party site, even by using XXXX or XXXX who actually displays the CORRECT security questions. We have also verified from the reports that the questions Equifax is asking are not on our Equifax reports. But we are not able to dispute as it has to be done directly thru Equifax. We are not experiencing any problem with disputes from XXXX OR XXXX. We have tried at different times to dispute with Equifax but they continue to display misleading security questions with records that are not even showing on our credit reports. We do understand that some of the questions are " trick '' questions. However, NONE of the 4 questions listed are on our reports, and when we select " None of the above '' it refers us to mail in our dispute. No one has the time to mail in a dispute and wait several weeks for a response on something that is extremely urgent in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 hard inquiry The company ran a unauthorized credit report that is now showing up on my credit that I did not request. I locked my credit reports as to not have any new hard inquiries added.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and discovered multiple errors that should never have been there in the first place. These inaccuracies are not just minor mistakesthey are actively harming my financial standing and creating unnecessary obstacles for me. I will not tolerate misinformation affecting my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and verifiable credit report. If any of these items can not be backed by solid, verifiable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law. I expect this matter to be addressed without delay. 

Name : XXXX XXXX XXXX
Product: Student loan

I was in a deferral period with both XXXX and Navient and submitted the paperwork to consolidate and continue to defer my loans. The organizations did not process my paperwork in a timely manner and it caused all my student loan accounts to go into delinquency. I was never informed that the paperwork had not been processed or that I was back in a repayment period ; therefore, I became 180 days delinquent without ever being notified. Finally after the 180 day mark I received a letter from the organization stating that I was delinquent.
Product: Debt collection

I receive daily calls from a recorded message saying that they are looking for a named person who I do not know and that my telephone number and the persons name is somehow associated to my information. The calls are threatening if I do not return the call which I never have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several requests to XXXX XXXX XXXX, in addition to the credit reporting agencies of Equifax, XXXX and XXXX, original creditor has refused to remove an account from my credit report that exceeds the allowed reporting period. XXXX XXXX XXXX account number XXXX continues to report a " paid was 120+ '' status on my credit report despite a last payment being made seven plus years ago. The reporting of this antiquated account has severely harmed my true credit history and dramatically dropped my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX THE XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and their affiliates have stolen my identity when I worked a summer job when I was younger for their company and they kept my information and used it against me and used my name, social, birthday for their benefit and deformed my character and misrepresented myself and my family and the community. They opened a credit cards, bank accounts, and mortgages and purged my family and my assets up against the property of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Il XXXX They forged my signature and my aunt 's signature after they entered us into a civil marriage They falsified documents and they put powers of attorney against us to act as our agents They attempted to take over our family business XXXX XXXX XXXX XXXX they acted as if we were doing business as XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

On or about XX/XX/XXXX, I began receiving collection notices from ACS-Conduent, for a debt owed to XXXX XXXX. At first, I ignored the notice because I believed I did not owe the money. 

On XX/XX/XXXX, I called ACS-Conduent and asked that they please stop sending me notices because I do not owe any money. I called 2 more times that day. 
I was told a couple of this with my communication with them. 

1. I was told to contact XXXX XXXX and ask to provide a copy of the Promissory Note 2. I was told that they received the debt in XXXX of XXXX by a XXXX XXXX from XXXX XXXX. I was also advised by a representative named XXXX to contact the U.S. Dept. of Education for information regarding my debt. 
3. On XX/XX/XXXX, I contacted the Department of Education and was informed of a balance listed for a Perkins Loan for Loan Period XX/XX/XXXX to XX/XX/XXXX. The balance listed is {$230.00}. 
4. I was informed by the Dept. of Education that the loan/debt had NO Executor listed. 
5. I also began calling XXXX XXXX beginning XX/XX/XXXX. At first they could not find that I owed any money but eventually found the Perkins Loan on the Federal Student Aid website. They did see that they are listed as the owners of the loan. I have also been trying to resolve this issue with XXXX XXXX which is currently XXXX XXXX - XXXX. My contact there is the Finacial Aid administrator XXXX XXXX. 

The problem I'm having is, although the balance of the loan is being investigated by XXXX XXXX at XXXX XXXX XXXX, ACS-Conduent has taken it upon themselves to come after me for a debt found on a government student loan website, which is public information, without having the legal authority to do so. They claim that XXXX XXXX is their point of contact for XXXX XXXX when they received the debt in XX/XX/XXXX. The problem is, XXXX XXXX, according to the financial aid admin XXXX at XXXX has not been with RETS in over 3 years prior to my calls in XXXX. 

My suspicion is that ACS-Conduent is helping themselves to " found money '' as public information found on the student loan government website without then actually representing XXXX XXXX as confirmed by XXXX and XXXX at XXXX XXXX XXXX. They use a different collection agency to handle their collections. 

If XXXX XXXX does not have a business relationship with ACS-Conduent, how is it possible that they ( ACS-Conduent ) can collect as their ( XXXX XXXX ) representatives?
Product: Consumer Loan

For an unknown reason my autodraft ( from my Wells Fargo checking account to my Wells Fargo personal loan account ) stopped. 

This resulted in ( 1 ) my loan payments being reversed ; ( 2 ) my losing the the favorable interest rate ( for being on autodraft ) ; ( 3 ) my account going delinquent and being sent into collections ( I never received noticed it went delinquent ) ; and ( 4 ) my payments accruing at a higher interest ( loans on autodraft are on a more favorable interest rate than those not on autodraft ) because my payments fell off of autodraft. 

I am told the payments were reversed because the payment was being drawn from an 'unknown ' account. Please note that this 'unknown ' account is the very same checking account that was used to set up my autodraft payments on Day XXXX. 

Because the autodraft payments stopped, I am now being charged a higher interest rate. I am told Wells Fargo can not refund the amount because by not being on autodraft, I no longer qualify for the favorable interest. 

Even though I never authorized the autodraft to cease, and the error was not on my part, I am told Wells Fargo can not refund me the difference in interest payments. 

I need someone to explain to me how this is right. 

I first need someone to explain to me how my checking account became an 'unknown ' account that led to my loan payments being reversed. 

At the end of the day, the difference in interest rate payments is very nominal - a few dollars. And literally at the end of the day that is all that will be because I plan to close all my accounts with Wells Fargo within the week. 

However, it is the principle - I should not be charged, fees, late payments, or interest for an issue that I did not cause or initiate. 

I am providing for your review ( 1 ) a snapshot of my WF accounts ; ( 2 ) the recent payment history that shows that my last XXXX payments came from the same checking account that is now 'unknown ' and resulted in my XXXX payment being reversed ; and ( 3 ) the loan statement that shows my payments being reversed. I did make a payment over the phone today to bring my account current.
Product: Debt collection

I joined retro fitness around XX/XX/2017, and after a year I decided to cancel my membership due to health issues. 

I sent two certified letters to XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. On XX/XX/XXXX I sent the first letter requesting for my membership to be canceled. I sent a follow up letter in XXXX because I saw that my membership was still active. 

Each and everytime I called the branch I was told that my membership was no longer active. 

Now I have a collection account on my credit reports for {$150.00}
Product: Money transfer, virtual currency, or money service

My PayPal wallet is permanently XXXX. According to the PayPal balance, after the wallet funds are kept for 180  days, there will be an email notification for withdrawal. In XXXX, I received a withdrawal email notification from PayPal. Now I still can not withdraw. Please help me, this is my hard-earned money.
Product: Debt collection

This debt was sold to a 3rd party with my information that I did not approve of no acknowledment of debt. Please remove from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

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 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: Student loan

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : XXXX. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 
XXXX. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
XXXX. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
XXXX. Immediate notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

My initial dispute about the same account to Equifax was deemed account information was accurate. On XX/XX/21 I submitted a second dispute to Equifax credit bureau regarding the collection account on my credit report, XXXX XXXX XXXX totaling {$2000.00}. After receiving a debt validation letter from me, the collections company provided a letter to myself and all major credit bureaus advising the account should be deleted from my credit report. On XX/XX/21 the item was deleted, but my credit score dropped 16 points instead of increasing. There have been no other recent negative accounts placed on my credit report. Ive contacted Equifax via telephone, but have not been given a satisfactory explanation and my request to have the situation reviewed was denied. I was advised no change could be made. Id appreciate any assistance to obtain the reason my credit score dropped significantly AFTER having a negative account deleted off my report. It seems like there maybe some kind of calculation error, but again my request to Equifax to review the issue was denied. Thank you for any help you can provide.
Product: Vehicle loan or lease

XX/XX/2023 I went into RightWay Auto Sales to engage in a credit sale pursuant to 15 U.S.Code 1602 ( h ) resulting in a consumer credit transaction. After being greeted I went to the salesmans ( XXXX XXXX ) desk and was handed a credit application. After excerising my right to credit pursuant to 15 U.S.Code 1602 ( f ) I signed the credit application. Then the salesman requested my credit card pursuant to 15 U.S.Code 1602 ( l ) and my credit card was an accepted credit card pursuant to 15 U.S.Code 1602 ( m ) by the salesman and he took the credit application and the accepted credit card pursuant to 15 U.S.Code 1602 ( m ) to the finance department of RightWay Auto Sales. Moments later the salesman shouted to me across the room from the finance department to his sales desk, in the public setting questions about my nonpublic personal information pursuant to 15 U.S.Code 6801 to me after RightWay Auto obtained a copy of my consumer report pursuant to 15 U.S.Code 1681a ( d ). After the salesman returned to his desk before seeing any automobiles the salesman requested in addition to my accepted credit card pursuant to 15 U.S.Code 1602 ( m ) an additional downpayment pursuant to 15 U.S.Code 1662 ( 2 ) of at least {$1000.00} USD or more to move forward before beginning any consumer credit transaction. I told the salesman I did not want to extend my credit pursuant to 15 U.S.Code 1602 ( f ) and provide a cash downpayment of any amount. The salesman handed me a copy of my consumer report that RightWay Auto Sales had obtained pursuant to 15 U.S.Code 1681a ( d ) and told me that without the downpayment pursuant to 15 U.S.Code 1662 ( 2 ) RightWay Auto Sales refuses to provide me an automobile on credit. I requested to speak with the finance manager and told her at this time of refusing to provide me an automobile on credit after I completed a credit application and provided RightWay Auto Sales with an accepted credit card, this interaction with RightWay Auto Sales will be construed as unauthorized use of credit pursuant to 15 U.S.Code 1602 ( p ) because I have provided a credit card pursuant to 15 U.S.Code 1602 ( l ) and it was an accepted credit card pursuant to 15 U.S.Code 1602 ( m ) and I received no benefit. She told me my benefit was my credit being run and my credit score is not accepted therefore requiring a downpayment pursuant to 15 U.S.Code 1662 ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX and XXXX XXXX