23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I ordered a combo internet/sattellite dish cable package from XXXX. XXXX said that XXXX needed to come install a line for the internet before they could do their install. XXXX came out 1 day, and less than a day later XXXX came out. They told me that they could not install a dish on my property because they could not find a place that had a satellite signal. They cancelled my service ( no problems with them so far ). I immediately contacted XXXX ( while the dish person was still at my house ). I wanted to make sure I got my small deposit back ( I did ). I returned the equipment that had been left at my house ( I originally thought this was the source of the bill, but it was n't ) What I did not anticipate was a bill about a month later. I was n't even sure what it was for & XXXX could n't even tell me what it was for for about 3 or 4 months. I have XXXX bill that says it was for the service. I attached this. I was told not to pay by a representative, so that we could get it straightened out. I was reported to a collections agency. Then I was told that it was for the installation of the line ( that is n't what the bill says - it indicates a months worth of service and state tax, but the collection agency record says XXXX XXXX XXXX wireline ). Finally I was able, 6 months after the fact, to get a supervisor at XXXX XXXX XXXX to tell me my bill was XXXX & that I do n't have an account anymore and do n't owe them anything. She assured me that it would be reported to the collection agency. It was n't. I am still being hounded. XXXX XXXX XXXX has refused to provided me written proof that I do n't owe them any money ( something I can send to the collector and the credit bureaus that probably have this record ). I have asked them to mail me something, fax me something, but I am always given a runaround ... for instance : this has to go to another department first, and other nonsense. The company is so large and so disorganized, I do n't know where to go to get a resolution. I have lost days of time ( phone calls up to 5 hours long where I 'm passed around, hung up on, etc. ) I have great mental anguish. I refuse to pay the {$200.00} that I do n't owe just to get them to leave me alone. I would feel like a loser. The calls wake me up every day ( I work night shift ). I had gone 6 months without hearing anything, and thought XXXX XXXX XXXX had finally done what they promised, but I started receiving the calls again & received a bill in the mail ( again ) after 6 months of silence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit companies have for years refused to correct my personal information. XXXX has stated that " it's against the law to remove or update names and addresses they are connected to accounts on my file. The other XXXX just say they will and don't follow up even after I called them after 30 days. 

I see that Charges offs are being added to my reports after paying the original companies, All three Agencies see ( after I have called them ) this and have done nothing to remove this, again all three. 

Late payments - missed payments - collections - charges offs should not be listed anywhere on my reports. Soft inquiries and XXXX inquiries should not be anywhere on my XXXX or more reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to discuss an item that needs to be removed but they said they could not find my file?? How is that possible? Its affecting my score! they had me on hold for 2 hours ...
Product: Payday loan, title loan, or personal loan

Step 1 : What is this complaint about? 
REF : contract nbr XXXX dated XXXX/XXXX/XXXX CONNs XXXX/XXXX/XXXX added Insurance to a {$1100.00} TV purchase for {$130.00} to the {$1300.00} Promissory note conditionally until I provided copy of my Home owners insurance! 

Step 2 : What type of problem are you having? 
and now they will not back it out from loan as promised by salesman in spite of us hand carrying to store copy of Home owners policy in 48 hrs [ have receipt ] Step 3 : What happened? 
Called 4 times to get adjustment reflected on payment book or a revised loan at same terms [ XXXX at 34.04 % = $ XXXX until XXXX XXXX ] but they send me a payment book with the same amount INCLUDING insurance for {$130.00} Step 4 : What company is this complaintabout? 
conn credit corporation, inc. XXXX XXXX XXXX XXXX tx XXXXPhone XXXX corporate phone is XXXX Step 5 : Who are the people involved? 
XXXX purchase date : XXXXXXXX XXXX [ salesman ] successive operators 1. XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  in person face to face at store in XXXX TX 3. XXXX XXXX  at XXXX XXXX XXXX XXXX. XXXX credit dept transferred to cust serv transferred to insurance dept who hanged up on me 5. XXXX : verified loan amount XXXX has not been revised tp {$1100.00} which represents {$130.00} XXXXXXXX interest= {$220.00} potential or intended fraud of the inadvertent or passive customer..
Product: Checking or savings account

Being charged by Wells Fargo over draft fees and insufficient funds fees. I should receive a refund back from Wells Fargo as part of the class action settlement suit, I have not received my compensation, please assist me, I do not bank with Wells Fargo anymore.
Product: Credit card or prepaid card

I am writing to dispute a balance of {$190.00} to my credit card account on XXXX. I have made multiple requests to close this account by phone with three of your agents. These erroneous late fee and interest charges on the late fee are applied callously to an account with a XXXX balance. 
I initially requested to close my account when the bank opted to downgrade my credit limit from {$650.00} to {$150.00} although my account was in good standing with a very low balance. The bank ran my credit again negatively contributing to multiple inquiries which caused my score to suffer. When the account was opened my initial credit limit was {$300.00}, being down graded through no fault of my own was an insult. That is why I called to close the account with a XXXX balance. Your agent quickly apologized and stated he would escalate the matter, but no supervisor or manager reached out to me. 

Although my credit limit had been increased. I did not abuse my account due to lack of quality merchandise carried by XXXX XXXX XXXX. 

I am requesting that the error be corrected, and all finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. After making the corrections please close this account. Please promptly address these concerns on my account.
Product: Credit reporting or other personal consumer reports

I have a current security freeze with Lexis Nexis Risk Solutions due to identity theft. I wanted to " thaw '' that freeze for 2 weeks due to trying to get quotes for homeowners insurance. Lexis Nexis tells me that they do not have a credit file for me at all. I know this to be not true because I was able to pull my file a few months ago and put a freeze on my account ( although, this is a very very arduous task with them ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage with Loan Depot on XX/XX/2022 with a loan officer named XXXX XXXX ( XXXX XXXXXXXX ). I authorized a credit report pull on this day and the loan officer completed the credit report pull on this day. On XX/XX/2022, the loan officer discovered that I was shopping around, and pulled my credit report XXXX more times ( in the same day ) to deliberately lower my score so that no other lenders could help me. Between XX/XX/2022 and XX/XX/2022, my score XXXX score dropped XXXX points with no other changes to my credit report other than the inquiries in question.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXX Attorneys General Office. XXXXXXXX XXXX XXXX XXXX XXXX State Senate. XXXX Federal Deposit Insurance Corporation. XXXX Comptroller of the Currency. XXXX Federal Reserve System. XXXX Credit and Insurance. XXXX Federal Trade Commission. XXXX State Regulatory Agency.
Product: Checking or savings account

Navy federal charge me 2 return ck fees.. the bank transfer {$20.00} to pay my credit card payment with out me authorizing the transfer. My account was short do to this payment. I have money in another account tht could have covered the payment. the bank does not allow for the customer to cover the payment before applying fees. Other banks give a customer 24 hours to put the money in your account to cover a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 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 An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven 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 reporting

I have payed XXXX in full I try ed around 10 times to down load the receipt of full payment nothing owed on this account and it will not let me down load the info also they have a medical bill from XXXX XXXX for XXXX from XX/XX/XXXX I have full coverage medical insurance from XXXX Obama care and have had it for years and it 's scheduled to be deleted in XX/XX/XXXX from XX/XX/XXXX this is a fraud because I have no deductible insurance
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered an online course by XXXX XXXX. I accepted the terms and signed a contract. Then i unenrolled from their program. I had given them all of my personal information such as SSN, DOB, and license number. I then received a payment book by an unrecognizable company ( Monterey Financial Services ). I was not informed or had given XXXX XXXX my authority to give another party or another company my personal information. Monterey Financial Services has reported negative and inaccurate information to my credit bureaus and it has affected my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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  has violated my rights, 15 U.S.C 1681 section 602 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 an account without my written instructions
Product: Credit card or prepaid card

I went through the dispute process to dispute two transactions from XXXX and I did not receive the service I paid for. For XXXX and XXXX. I was not satisfied with this service because it was not as advertised as there were no people to get matches with on the site. XXXX just sent in a copy of terms, which was not initially provided, and Discover has refused to help me in reversing this charge. This service is not what I paid for and Discover is refusing to work with me even though I have been a customer for years.
Product: Credit card or prepaid card

On XX/XX/XXXX I canceled my Chase United Presidential Card to switch the the Chase Sapphire Reserve Card ; I was told on a recorded call I would have the prorated amount of the United Card refunded. After several week went by, I called again. I was told, again, on a recorded line that ~ {$260.00} would be credited to my card. After a week went by, no credit appeared so I called yet again. This time I was told there would be no refund of the amount and it didn't matter what I had been told on the recorded line because Chase had no intention of refunding the annual fee. Obviously, if I had been told truthfully I would not have the pro-rated fee refunded, I would have kept the card open to continue to use the benefits I had paid for. Chase continues its borderline criminal behavior in the middle of a pandemic.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Attached files are the accounts I marked as inaccurate.
Product: Credit reporting or other personal consumer reports

Sun loan XX/XX/year> are reporting late payment until now for account that are already closed. 


In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Payday loan, title loan, or personal loan

Two lines of credit need to be released to allow for sale of residential property. No response from BBT Truist in regards to line of credit payoff confirmation for residential real estate sale. Cash sale of primary home with no liens, except open XXXX line with XXXX balance. 

On XX/XX/XXXX XXXX XXXX  XXXX ( closing attorney ) faxed BB & T Mortgage to verify XXXX balance and closure of lines of credit. Two lines exist, but only one should be active. The first loan was issued on XX/XX/XXXX in the amount of {$90000.00}. This can be found in XXXX XXXX  XXXX, Page XXXX in the Deed room online XXXX XXXX KY. The second loan was issued on XX/XX/XXXX in the amount of {$90000.00}. This one can be found in XXXX  XXXX XXXX, Page XXXX. Should only be one open line, as show on my online banking account. 

No response from BBT Mortgage- usually a 48 hour turn around. Phone hold times for mortgage department exceed 50 minutes. Petitioned local branch via either call and email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with no response that issue was being escalated or how it might be resolved. This non-action is obstructing my ability to conduct a business transaction and putting me at risk of losing the sale of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my XXXX report and I need you to remove each and everyone of them : 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 Balance : {$8400.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  ) XXXX Balance : {$190.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022. According to FCRA XXXX 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I have a substantial credit balance on my Chase credit card. I requested a refund from the bank which holds my credit card approximately two weeks ago and then I called a week ago to resubmit my request because no action was taken. The customer service representative on each occasion said check was ordered to be sent. I contacted the credit card company today and requested an acknowledgment that the credit balance was to be sent to me via check as promised. Each time I ask CUSTOMER SERVICE for an acknowledgment they refuse saying thats not their policy. Chase is refusing to refund my credit balance as promised and is using my money without paying me any interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ALLOWED TCF BANK LOAN NO.XXXX BE RE-INSERTED 67 TIMES WITH OUT 5 DAY NOTICE TO CONSUMERS BY CHANGING ACCCOUNTYPE ETC..
Product: Credit reporting or other personal consumer reports

All the hard inquiries ... No use of credit .ca n't get a credit card to save my life having to use my cash ova {$3000.00} dollars in cash instead of my credit that was stolen from me I couldn't even get a credit card from Cabela 's!!!!!!
Product: Debt collection

Back in XXXX I was a victim of identity theft/fraud. I sent in Police Reports and Identity theft affidavit to all 3 credit bureaus and the companies that were reporting accounts on my credit that I never owned or had any affiliation with. I've been fighting with XXXX XXXX XXXX XXXX and XXXX XXXX which charged the debt off and sold it to XXXXXXXX XXXX XXXX XXXXXXXX I was not aware of this company and they haven't sent notification of the debt in which was due to fraud. I haven't received any solid verification from the said companies besides updated and the accounts remain. I'm pleading to have these fraudulent accounts removed from my credit report until I receive solid verification of my signature on the said account contracts. 
I've had a written statement of identity theft on my credit report since XXXXXXXX XXXXXXXXXXXX XXXX Account was opened due to FRAUD please remove this negative account until XXXX XXXX and XXXX XXXX can send me solid proof.
Product: Debt collection

ERC is the company, first they say, I owe for this debt that I have no idea or clue what it is or if I even did it. then the debt is about 8 years old, and also threaten take me to court if I do n't pay.
Product: Checking or savings account

Chime is the company in question... 
They closed my Checking, Savings and Credit Builder accounts within 3 hours following my deposit of {$330.00}. I deposited this money into my account in XXXX.located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, last month, XX/XX/XXXX approximately XXXX. XXXX rules are when a Chime deposit over {$300.00} is made a manager must approve or do the transaction. The cashier started the process but called the manager to complete it. The money had not yet been deposited, ; cashier still held my money. We walked over to where the manager was located and the manager restarted the process on a different register in a different area of the store ; the Photo Department register. Process done. I later discovered my accounts were closed by not being able to access accounts and via email. I then realized the {$330.00}, which I only deposited once was placed in my checking account twice, due to the cashier not voiding the initial start of transaction on the first register at the front of the store. This led Chime to decide to close all my accounts. It has been communicated to me that I violated user agreement. But I have not. I did not realize there was an extra deposit. I moved money around and spent money as usual. At first I thought the money did not move so I repeated the process of moving money to savings etc. I later realized there must had been an error once the accounts were closed. I tried to explain to Chime several times that the cashier made this error... not me. They kept my accounts closed and kept {$350.00} which was my actual funds left in these accounts. They have refused to return these funds. They could had just removed the extra {$320.00}, which I never spent, and kept account open. I have emailed asking for restoration of accounts and return of my {$350.00}. And then at least return of my {$350.00}. They have refused to do at least this return of funds.
Product: Debt collection

Credit Bureau Systems violates 15 US Code 1692e-False or misleading representations.

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector to collect a debt. 

The documents received from XXXX have altered amounts on the document sent to me for review; there is a line drawn through debited amounts, and I am unsure of the reasoning is a credit or debit ( HANDWRITTEN ALTERED ). There are also other names on the account ; if the account is for XXXX XXXX, it shows additional amounts for XXXX XXXX. I have also included their report to show and prove inaccuracies. It also shows the insured as XXXX XXXX when there are two insurances. Does not show authorization to bill insurance, only showed they tried to bill. There is no signed contract that I would be responsible for any care besides my own. This company is not in compliance with FCRA or FDCPA ; they are not even compliant with XXXX formatting.