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

Today i Tried to Remove unauthorized inquires from my Equifax Report and they would not let me remove them. 
Inquires 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

My consumer rights have been denied by Experian. Experian continuously report inaccurate information regarding a Bankruptcy in 2015. The negative and false information has been deleted as it should be with XXXX  and XXXX  but Experian has not deleted this information. I have contacted Experian several times but they have not verified the information as they stated. They mentioned that they would reach out to the courts but they have not. The public record information that they claim to have verified through a 3rd party is incorrect.
Product: Credit card or prepaid card

I had a HSBC credit card which I was not using and there were no annual fees for the last several years. Without my consent they had converted the card to a credit-card with annual fee, charged an annual fee and then started auto payment ; payments were returned and then they started charging returned check fee and finance charges. I only see all of this when they sent me a collection bill. I have never used the card or consented these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent correspondence to the XXXX, XXXX and Experian and have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently submitted a letter to Equifax reporting agency to block the following companies in relation to Fraud. 
Company 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX In reciept of my letter submitted to Equifax on XXXX, the following documents were provided 1 ) Copy of my identity 2 ) Identity theft report filed with FTC 3 ) Fraud affidavit 4 ) Police report A written letter was sent to Equifax requesting that the Credit Reporting Agency comply with section 605 B of the FCRA, which requires them to block the fraudulent information in my credit file from the above mentioned companies resulting from identity theft within four business days. 

On XXXX I was notified by email stating my letter was received and I will be updated within 30 days. I called in to Equifax at XXXX A.M. CST XXXX to clarify that my letter was sent to request to block above creditors for fraud activity on my credit file. Explained that all documents has been submitted. Spoke with customer service rep ( XXXX ),  who informed me that it would take 30 days as well as email indicated. This complaint is to follow up with non compliance of credit reporting agency Equifax for section 605 B of the fair Credit Act.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Columbia Debt Recovery LLC regarding an alleged debt owed to XXXX XXXX. The claimed amount of {$50.00} for a move-out fee is both incorrect and unjust, and I am disputing the validity of this debt collection. 

In 2021, I entered into an agreement with XXXX XXXX for a lease, which was later canceled after I had already paid the deposit. During my communication with XXXX XXXX I was explicitly assured of a full refund of my deposit and informed that I would not be held responsible for any charges. 

However, this alleged debt recently resurfaced through Columbia Debt Recovery LLC. Despite reaching out to the collection agency, where they promised to investigate, I have not received any response. Additionally, my attempts to contact XXXX XXXX XXXX  directly through various means, including email, phone calls, and in-person visits, have been consistently ignored. 

I possess an email from XXXX XXXX stating that my unit was on " waitlist, '' confirming that I never lived in the apartment. Despite this, they contradict themselves by referring to me as a resident in the same correspondence. This inconsistency highlights the unjust and invalid nature of the asserted move-out fee. 

I am seeking the intervention of the Consumer Financial Protection Bureau to investigate and rectify this matter promptly. I appreciate your attention to this issue and request that it be assigned a case number for tracking purposes. Thank you for your assistance in resolving this unjust debt collection.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

It has been over 3 months since I initially contacted Cash App XXXX regarding the deduction of {$52.00} on a loan payment that I owed only {$26.00}. This occurred on XX/XX/2024. Although I sent multiple messages through the app and called them by phone three times about this occurrence, I never heard back from Cash App XXXX. On or about XXXX XXXX XXXX, Cash App XXXX deducted XXXX payments of {$26.00}, although I owed one payment of XXXX. I have called 5 times about the XXXX issue. Customer service always stated that a representative would get back to me. 

Not only has Cash App XXXX attempted to charge me twice on XXXX transactions, but they have also charged me interest on a loan that was paid back the same day ( this loan was taken out by error ). Another major issue is that I looked throughout my account on the Activity for the loan payments for XXXX but can not locate the transactions. 

As of this date, XX/XX/2024, Cash App XXXX has not responded to me or tried to resolve my issues. I refuse to pay back money that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 items 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 items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00}
Product: Debt collection

When applying for our mortgage in XXXX 2017 we discovered we had an outstanding medical bill with Grant and Weber, we called and paid it that very day with XXXX XXXX. We then discovered a week later XXXX XXXX applied for a credit inquiry on my credit report for a loan. I called him back and he said it was an error. However still to this day X/XX/2017 it has not been removed and I contacted him again today and he claims to have no knowledge of how to remove it.
Product: Debt collection

The receivable management is trying to collect a debt from me, XXXX XXXX, inside the state of Arkansas where they are not licensed nor bonded which is against the law. I would like for this to be removed from my credit report immediately and for them to cease contact with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX XX/XX/18 Experian has on this report XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX as wrong and the other one that is right showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX There should be no 2 address showing as the same by Experian. Every other month Experian has added information or add something on my credit file and keeps deleting the correct information. Every other month the same thing.
Product: Debt collection

Sunrise debt collection company has repeatedly harassed me via phone calling nearly 20-30 times a day for a collection that I do not owe or did not authorize. I have been a victim of identity theft and had my belongings stolen and several fraudulent accounts opened. I have placed protections on my credit report to block accounts being opened without my consent. Additionally, I have never had an account with this company and never gave permission to be contacted.
Product: Credit card or prepaid card

During 2016 it shows two missed payments in XX/XX/XXXX and XX/XX/XXXX. I do not have any delays on my payments since I have my capital one credit card
Product: Checking or savings account

On XX/XX/2023, I was alerted to fraudulent use of my debit card by Wells Fargo ( " WF '' ) as someone was attempting to use my debit card with the INCORRECT PIN number. I immediately contacted the bank, cancelled my card and reported the fraudulent transactions ( Claim # XXXX ) and ordered a new card. WF has now decided that the charges were not fraud because my PIN was used. To be clear, these transactions had no PIN use nor PIN use requirement ( i.e. XXXX and XXXXXXXX XXXX ) so clearly can not be stated that I authorized them as such. Additionally, these charges are very unusual to my account, they are not local, they are not to vendors I use on my account and they all fall within hours of WF, themselves, notifying me of fraud. I have attempted to speak to management about the decision but have been told that the only recourse I have at this time is to take them ( either the vendor or Wells Fargo ) to small claims court. This has been a repeated issue with this account and banking institution. I have repeatedly asked WF to do a more thorough investigation into the matter so that I can press charges on the person ( s ) doing this fraud but to no avail and now they leave me holding the bag with literally the only advice being " be safer with your card '' which feels like a non-option here.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year and a half, Kohl 's reported my information improperly and noted my social security number incorrectly with  XXXX . This caused an undue hardship and numerous denials because the social security number was listed incorrectly by Kohl 's. Upon getting this corrected and later discloswed by the   XXXX    representative, after a year and a half of problems, I am now able to get into my credit report. The matter was resolved in a payoff and has caused irreparable harm. I ask that Kohl 's remove this matter in order to avoid further injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

I own a small incorporated business XXXX XXXX XXXX XXXX ( state of MA ) and the credit reporting bureaus Equifax XXXX XXXX XXXX are reporting my business as being under a parent company XXXX XXXX XXXX  XXXX ( state of MA ) which is a totally separate business and entity - I cant set up accounts under my own company due to another company being listed as the parent company. I have a copy of Equifax credit report showing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute XXXX XXXX XXXX, XXXX which is XXXX the original creditor on XX/XX/2018. XXXX XXXX responded on the dispute stating they CLOSED the account with {$0.00} balance and also they requested that the credit reporting agencies to delete the XXXX, XXXX  tradeline from my account from the credit bureau report. I checked my credit report XXXX  and XXXX  removed it from my credit report but Experian did NOT removed it. So I contacted Experian to removed it from my credit but they refused to removed it they said the account is under XXXX  not XXXX, XXXX. But when I dispute it through Experian, XXXX, XXXX was the one that responded not XXXX
Product: Debt collection

Sage Capital is contacting me for a false debt that I do not owe. The creditor is XXXX. They text, call, and email despite me informing them in writing to stop contacting me. I had originally asked for proof within the first 30 days of contact and prior to " validating '' the debt they still attempted to collect from me. The balance is also not owed because I never received the services claimed from the creditor. I have tried disputing the debt with XXXX but they are a horrible company and never respond to anything. They are harassing me on this false debt and attempting to up their collections including credit reporting and a possible lawsuit. I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedLy questioned why I am being reported by navient for XXXX $ due for greater than 90 days passed due, these accounts have dropped my credit score by more than 200 points. I am unable to currently purchase a house for my growing family. I have attempted to work with them repeatedly, they will not combine or do anything for the fact I have 12 accounts with them, they will not do anything except repeat over and over again that I must pay the amount due, but the amount due is XXXX $ on multiple accounts and the other accounts arent due yet. Their billing processes and situation is ridiculous. It took me threatening a serious law suit last time for them to clear this up, and now 1 year later they are back to the same old games.
Product: Money transfer, virtual currency, or money service

I was approached online by a scam website called XXXX XXXX, i started investing and did not realize that the wallet address that was stated on the website was not in fact my own but rather belonged to the scammer, they were using it to enrich themselves by using my naivety and unfamiliarity with cryptocurrencies. I transferred money to them from my Bank of America Account. After I had " invested '' around XXXX USD they cut all ties and stopped responding to my messages.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : XXXX XXXX XXXX - Account # : XXXX - Reporting Past Due : {$0.00} I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block INC ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with resolution requirements under the electronic fund transfer act ( EFRA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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, have 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.
Product: Mortgage

Bank : ChaseLoan # XXXXIssue : Paid fee {$380.00} for extension of rate locking period by 15 days. To approve the loan, Chase was responsible to obtain some documents but Chase took more time to get these documents. There was no delay from my side. To meet contract agreement dead line, I was advised to pay the fee and request Chase to reimburse the fee but no response from Chase
Product: Debt collection

I have absolutely no idea where this debt came from and it definitely does not belong to me. I currently bank with Citi Bank so there should be no reason for a debt collector to be trying to illegally collect funds from my person on behalf of Citi.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint. XXXX now requesting you investigate this account and update these payments to paid on time thank you for your understanding and prompt action.
Product: Vehicle loan or lease

XX/XX/XXXX, I offered XXXX XXXX XXXX an application for a XXXX XXXX XXXX XXXX for {$20000.00}. XXXX XXXX XXXX accepted my application and used the credit card information listed. They then asked me for a substantial down payment for a credit transaction. XXXX XXXX, the locations Finance Specialist, mentioned the Truth In Lending Act stating any private information given to the branch is to be held for 7yrs. The Truth In Lending Act also states that the finance charge shall be determined as the sum of all charges payable directly or indirectly by the person ( natural person or an organization ) to whom the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. I literally extended, according to the Truth In Lending Act, two of my credit cards to an organization for the purpose of obtaining personal property. It was I who extended the initial credit. XXXX XXXX XXXX failed in their responsibility as a financial institution or an institution-affiliated to borrow the funds/credit ( redeemable from Federal Reserve Notes ) XXXX I asked for my application back as it yielded me nothing but heartache and new inquiries onto my Consumer Report, none with my permission which is illegal. Refer back to what XXXX XXXXXXXX said. I asked for the banks that also used my information ( 5 total excluding XXXX XXXX XXXX ) while I did not benefit at all. XXXX XXXX was polite enough to indulge my request. He then gave me XXXX XXXX XXXX adverse action letter. I asked XXXX XXXX if he could show me where in the Truth In Lending Act it stated private information must be kept on file for seven years, he responded by saying he wasnt a lawyer. They are all guilty of Unauthorized Use. 

After receiving the banks information, I called Flagship and asked if it could be reversed and they could push it through, since they used my information. XXXX stated it was unfortunate that they could not.
Product: Student loan

Aidvantage sent me an email about my payments coming up. On XX/XX/23, I attempted to reach out to them about information and they did not answer after waiting forever over XXXX minutes. I called again and same situation. I wanted to understand what I needed to do. I did my IDR certification for my new income and was not given any information on that date. Yesterday, on XX/XX/23, on a XXXX, I get an email that a payment of {$450.00} is expected in 5 days when my previous payment was {$0.00}. I want to pay back my student loans but I am unable to handle a brand new {$450.00} payment that I have had no notice about. I have been unable to contact Aidvantage, they have not sent me any paperwork. The company has no customer service and their email us option does not actually even email them. They are directly misleading people and are unwilling to perform the work they are supposed to in servicing these federal student loans. A bank is not allowed to change your payment and then demand money within 5 days. The CFPB regulations themselves require at least 21 days. Why is this awful for-profit company that is servicing federal student loans not bound by the same laws that every other financial company is? And more importantly, why are they not willing to speak with me about any of it? I feel like they want me to default.
Product: Debt collection

I have contact this company and told them that the debt that they are reporting on my credit report is fraud activity I also told this company to stop contacting me and they did not
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue with equifax is dual first things first theres an account reporting with XXXX on my credit report acct # XXXX {$75.00} im asking for an early exclsuion of this item off my credit report. The account is due to come of in XXXX so im requesting an early exclusion. Also, im asking for access to myequifax.com account. i have not been able to login and review my profile on myequifax.com in forever, if someone can help me i would appreciate it thank you.
Product: Credit reporting or other personal consumer reports

Complaint # XXXX Equifax is stalling sending men A bogus letter stating they cannnot legibly read the documents I submitted and verify that I am who i say I am. Please double check this bogus claim and rectify the situation as this is the exactly the reason they believe they have a ride to do whatever they wan na do and to keep whatever errant and inaccurate information on my report that they deem necessary. They can read every thing that I submitted they have pictures. They have my license. They have a bill my address they have passport information. Theyve got my ID fraud report from XXXX and they are still stalling requesting more information for me which is a bunch of garbage please demand that they rectify this immediately or Ill be sitting in a letter from my attorney and we seek damages.