23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Contacted myprepaidcenter.com to get a replacement card that expired last year. The card was valued at {$84.00} as of XX/XX/21. When I found the card today it is now worth {$3.00} from fees to get it replaced.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for their blatant disregard of my rights under the Fair Credit Reporting Act ( FCRA ) and their failure to respond to my legitimate dispute regarding unauthorized credit inquiries on my credit report. 

Background : Date of Dispute Submission : XX/XX/XXXX Method of Dispute Submission : Mail Date of Credit Bureaus Acknowledgment : NONE Number of Days Since Dispute Submission : 35 Days Details of Dispute : On XX/XX/XXXX, I submitted a formal dispute to Equifax regarding several unauthorized credit inquiries that appeared on my credit report. These inquiries are as follows : Creditors Name : XXXX XXXX - Date of Inquiry : XX/XX/XXXX Creditors Name : XXXX XXXX XXXX  XXXX - Date of Inquiry : XX/XX/XXXX Creditors Name : XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX Creditors Name : XXXX XXXX XXXX   XXXX - Date of Inquiry : XX/XX/XXXX Creditors Name : XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), I requested the credit bureau to provide documentation verifying the permissible purpose of each inquiry or to remove them from my credit report if they were unauthorized. 

Non-Compliance by Equifax : Despite the clear requirements under the FCRA, Equifax has : -Failed to Respond : I have not received any response or acknowledgment from Equifax regarding my dispute within the legally mandated 30-day period.

-Failed to Remove Unauthorized Inquiries : The unauthorized inquiries remain on my credit report, adversely affecting my credit score and overall financial health. 
-Violations of the Fair Credit Reporting Act : Equifax has violated the following provisions of the FCRA : -15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : The agency must conduct a reasonable investigation and provide a response within 30 days.

-15 U.S. Code 1681b ( a ) : The agency must ensure that only permissible purpose inquiries are included in a consumer 's credit report.

Impact on Me : The unauthorized inquiries have caused significant damage to my credit score, limiting my ability to obtain credit and increasing my financial stress. The failure of Equifax to address my dispute has further exacerbated this issue.

Request for Action : I respectfully request the CFPB to : -Investigate the non-compliance of Equifax with the FCRA .

-Mandate the immediate removal of the unauthorized inquiries from my credit report.

-Impose appropriate penalties on Equifax for their failure to comply with the FCRA .

-Ensure that I receive written confirmation of the removal of these inquiries and an explanation for the delay in responding to my dispute. 
-Attached to this complaint are copies of my original dispute letter Thank you for your prompt attention to this matter. I look forward to your swift action to rectify these violations and protect my consumer rights.
Product: Credit reporting or other personal consumer reports

My tenant screening information is inaccurate. I do not owe any balance and I dont have any evictions
Product: Debt collection

In XX/XX/XXXX, I signed up for a XXXX XXXX XXXXXXXX payment plan for " XXXX XXXX '' XXXX treatments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The first week XXXX XXXX XXXX I was XXXX XXXX into my XXXX XXXX treatment, I found XXXX had ceased operations ( with no communication from them ), abandoning me as a patient and breaching the payment plan contract I had signed in which they agreed to " provide services. '' I reached out to Healthcare Finance Direct, the payment processing company, multiple times stating XXXX had breached our payment plan contract and that I would like to halt payments until my contract is being serviced. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refused to continue my treatment, stating I would need to start new with them. Healthcare Finance Direct maintained that I needed to continue payments for a service I was no longer receiving or my credit would be affected. Last month, both the XXXX and HFD website stated that if you did not complete treatment, you did not need to continue payments to your account. I reached out to HFD to stop my auto payments after reading this and they continued to tell me that I needed to continue payments and would not stop my autopay as requested, despite the fact I did not receive all the products and services promised and the fact that their website 's shared conflicting information. Again, saying my credit would be affected by this.
Product: Credit card or prepaid card

My problem is BOA said they sent me the {$300.00} check twice since XXXX but I didnt receive it till XXXX. 
My credit card is a deposit credit card. 
XXXX I lowered my credit from {$1500.00} to {$1200.00}, so BOA should return {$300.00} to me. They told me it would be returned to my check account. 
Until XXXX, I didnt receive the refund so I called BOA. And I confirmed that it would be returned to my check account. 
Until XXXX, I still didnt receive the money so I called Boa again. This time they told me they sent a check to my address XXXX address A ). But I no longer live at that place so I updated my new address XXXX address B ) and asked them to send it again. This is their first faultthey told me they would return money to my check account but actually they sent me a check without informing me. 
Until XXXX, I still didnt receive the money so I called Boa again. They said they knew nothing about where was the check. The only thing they can do is to resend the check. I agreed. 
Until XXXX, I still didnt receive the money so I called Boa again. They told me they sent the check on XXXX but they could not provide any tracking number so I didnt know if they really sent the check. I asked them to send me the check using anything that can track but they refused. They refused to provide further help. The only thing they were willing to do was to resend the check. I agreed. 
Until XXXX, I still didnt receive the {$300.00}. 
Its been nearly a year since I asked for returning my {$300.00} collateral. 
Actually, they provide delivery service to other customers. But BOA refused to send ups or XXXX to me even I waited for nearly a year. Since they could not provide the tracking number, I doubted they never sent the check to my address B. 
The address has no problem. I could receive other letters and checks.
Product: Student loan

After applying for a switch from the SAVE repayment plan to the PAYE repayment plan on XX/XX/year>, I requested my loan servicer, Edfinanical, to place me in a 60 day processing forbearance since I was told that it would take some time to process because of the amount of applications. The representative stated that there was a mandatory Department of Education SAVE forbearance ( I am currently on a voluntary forbearance not the SAVE one ) and that she can put the request in, but it will be denied. That is contrary to FSA guidance : " As described below, servicers may place borrowers into a different forbearance category, known as processing forbearance, if the servicers need additional time to process those borrowers applications to enroll in IDR, recalculate their payments on an IDR plan, or recertify their incomes for their IDR plan. In contrast to the general forbearance for borrowers enrolled in SAVE ( previously known as REPAYE ), interest will accrue while a borrower is in processing forbearance. Additionally, time spent in processing forbearance ( up to 60 days ) is eligible for PSLF and IDR credit. Processing forbearance will last no longer than 60 days, at which point a borrower may be placed into general forbearance under the terms described for that status. ''
Product: Vehicle loan or lease

I recently purchased s car from XXXX XXXX and the car loan was approved through Global Lending Service. However, contacting GLS is extremely difficult and results in inaccurate, incomplete and none resolved issues. I initially revived a call from GLS regarding a welcome call from XXXX. However, I was unable to talk for 7-10 minutes and asked for a return call but was denied a number to call them back on. XXXX stated that I needed to just dial the number that showed up on my call id. Unfortunately, unknown caller was the message received instead of an actual number. The welcome call was finally completed via XXXX a funding manager but the next issue was verifying my insurance. I provided all the information to XXXX but somehow it was not uploaded or documented as such but getting back in touch with XXXX to resolve the issue was not possible. Despite several calls and attempts I never received a return call from anyone at GLS. The problem is now making payments. The car payment is due on the XXXX ( today ) or XXXX ( tomorrow ) of the month and I have no information on how to make a payment. I called again today and was simply told by XXXX that, its my responsibility to make a payment and do what I need to do to get the information. She informed me that the application was completed at the end of XXXX ( no date was given ) which is maybe the reason why I havent received the welcome package because that takes 7-10 days after its completed. She also stated that the person that did my welcome call should have explained all of this to me. However, when I spoke to XXXX, I was told that the information would be mailed out but that was almost a month ago and I havent been able to reach him since. So please assist in obtaining the needed information to actually make payments and gathering the terms of the loan and conditions. I purchased the car at the end of XXXX and have now been trying for almost 2 months to obtain information from GLS with no resolution. Instead I get attitude from associates and the nasty snare of its my responsibility to do what I need to do but there is only so much that can be done if you dont get a returned call, dont get the information in the mail, dont know the terms of the loan and havent been provided accurate information to agree and or ask questions.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX - XXXX - {$620.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureaus about my discover card account. I was a victim of identity theft and fraud and due to this I had erroneous charges on my discover card. discover did in fact find theses charges to be fraudulent and reversed all the late payments due to the fraud see attached proof. As well as it is still marked late 30 days in oct 60 days in XXXX and 90 days in XXXX days late on these days on my credit file.and I have proof of theese charges being reversed. So there should be no reason my report still is showing this negative information. 
But account states paid as Agreed.
Product: Debt collection

On XX/XX/year>, I received a letter in the mail from an attorney not associated with the matter notifying me a lawsuit was filed against me in a county I do not live in to garnish my wages. According to the letter the case number is XXXX. I owe XXXX XXXX. However, the amount owed now is exponentially higher than my original debt. The company they hired is XXXX and XXXX, XXXX. When I became aware of the lawsuit, I immediately called and left several messages requesting someone to return my call to discuss the matter. I could not speak to a live person. Their message stated XXXX XXXX XXXX acquired XXXX and XXXX. 

Currently, I am experiencing medical issues and financial difficulties. I have a chronic health issue that caused me to be out of work for XXXX weeks in XXXX, 2024 for a total XXXX XXXX. In a matter of days, I will be out again for a minimum of XXXX weeks to have my other knee replaced. 

I can't afford to have my wages garnished and would like assistance with setting up a payment plan and relief of the penalties, interest and legal fees added to the debt.
Product: Debt collection

This company can not validate or verify that this debt is owed by me. I have no knowledge of this account. Address marker used with account isn't mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Any 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, credit repair services, or other personal consumer reports

I was wit h Lexington Law sinc e  XXXX . When I sign up for the services I put another credit card which is expired on file. Now I been with this company since  XXXX  the man told me it would  be a one ti me fee of  XXXX  dollars that they would authorized from to take. They took my money my credit report still look the same. When I called this morning to resolve the issues but instead I got a rude lady saying they do n't give out refund so thats on me. When I told the lady that I did n't authorized the transaction she proceeded to still be rude. So then I asked what kind of company that do auto pay do n't give confirmation numbers she said us when I asked for a supervisor I had to wait 1hour for the lady to come back on there saying no supervisor and do n't call back no more. I think its not right. I 'm a single mother of  XXXX  trying to maintain all I want is my money.
Product: Credit card or prepaid card

I applied for an capital one credit card back in XX/XX/2023 but yet I never received it they needed even though I have XXXX issues no fraud alerts etc I still have not gotten my XXXX XXXX XXXX Capital one wanted copy of MY XXXX  DL for verification to remove account restriction and send me card
Product: Credit card

Synchrony had been refusing to credit the difference of XXXX to my account after several requests through email since XX/XX/XXXX. Ive requested provided them all evidence proving the discrepancies. Ashley furniture ( merchant ) had also sent copies of invoices and letter acknowledging the total charges to be {$2800.00} only and my statements showing charges still show {$3600.00}. 

In response to the letter and receipt in XX/XX/XXXX by Ashley FurnituresXXXX XXXX , the total invoice showing pictures of the items that were delivered should only have a total amount of {$2800.00} vs {$3600.00} grand total charged on my synchrony card. The {$3600.00} total signed by me is subject to deliveries of all items on the receipt. The {$2800.00} includes {$2000.00} ( invoice # XXXX, # XXXX & # XXXX ) & {$210.00} ( invoice # XXXX ) & {$590.00} ( invoice # XXXX ). In which the oversized ottoman for {$260.00} on invoice # XXXX is a wrong color too. Therefore, Im still missing {$800.00} credit from your company which is the difference of {$3600.00} & XXXX. 


Attached is the copy of the letter from XXXX/ XXXX XXXX account receivable department rep for your reference. This serves as my last request to credit my account {$800.00} and exchange of ottoman with the right color to match our queen sofa ( invoice # XXXX ). 

XXXX XXXX
Product: Debt collection

I am not liable for this account. I am victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my credit file, incorrect informations was found in my reports. The XXXX, Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ( Inaccurate Name : XXXX XXXX ; Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX Late Closed : XXXX XXXX Balance : {$0.00} ; Charge off : XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$420.00} ; Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1200.00} ; Inquiries Included In Dispute : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX )
Product: Credit card

I have received two emails in regards to this matter & two phone calls. The 1st email was via American Express they were tell me that they needed a payment of {$1400.00} with in 3 days or they were going take further action. As I called to find out what was going on they told me that my credit score had dropped, that I was passed due on an account that had nothing to do with American Express ( yes at this time I had lost employment that I was paying on that account & was in court as to the person that I was making payments. ) That I have not been late & paid over the amount to them and all my other credit cards. So this has nothing to do with them. So why are you doing this you are getting your money with no problem. The agent was rude, mean, demanding, harnessing. They were not willing to listen it was there way or no way. I told them that trying to make someone pay {$1400.00} in 3 days not going to work and that I have " NEVER HAD SOMEONE demand any type of payment like that. That it wasn't going happen, I don't have that kinda of money. So then I received an email from them 4 days latter stating that they were now going to lower my credit limit from {$10000.00} down to $ XXXXThis is the only credit card/account that has even gotten ahold of me. As this account & all others are paid plus. I feel that they are Harnessing and this demanding me to pay no something that is up to date, never been late is very uncalled for and even illegal. After the two agents that I was in contact with this is uncalled for Harassment.
Product: Debt collection

On my experian consumer report account # XXXX XXXX # XXXX XXXX company name XXXX XXXX XXXX. Amount {$650.00} for first one {$630.00} for second one. This is not my debt. The address affiliated with this account is not mines. Also this is violating my 15usc 1681b law. This is not accurate information. This is inaccurate and out dated information they are reporting. This section speaks on accurate information being reported on a consumer report. this information needs to be deleted you have caused damage to my reputation and my way of living.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent validation letters to the following three Credit Reporting Agencies ( CRA ) : XXXX, XXXX and Transunion. They did not properly investigate my dispute with XXXX XXXX XXXX. XXXX XXXX is reporting inaccurate information on my credit reports with the bureaus mentioned above. They continue to report monthly balances on my credit report when they wrote this debt off and claimed a tax credit for the write off. I told the CRA that it should reflect a XXXX balance on my credit report as of the last date of the alleged non payment which was allegedly back in XX/XX/2015. Each month they are hitting my credit report as if I am currently past due on this debt for {$370.00}. The CRA 's failed to do a proper investigation and continues report the accuracies due to poorly trained staff as to the nature of this dispute. I am requesting they remove this alleged debt from my credit report based on the inaccuracies and false narrative in the way this alleged debt is being reported as a current debt. They also have not provided me with any written documentation from this creditor demonstrating I owe this debt. I believe they verified this debt through an automated process ACDV Request through e-Oscar rather than physically calling and communicating with the company. Efforts to get these agencies to delete this information from my credit reports has been unsuccessful. The same is true for XXXX as well. They failed to conduct a reasonable investigation into my disputes. See 15 U.S.C. Section 1681 s-2 ( b ). All three credit bureaus verified these alleged debts.
Product: Money transfer, virtual currency, or money service

I'm filing on behalf of the Cashapp lawsuit. I have reached out to them before and was unaware of their unlawful practices. I would like to be a part of the class action lawsuit against them.
Product: Debt collection

XXXX XXXX XXXX has been trying to collect a debt, that I am not sure is valid. They have made several calls to me, which I answered most of them. I expressed I need to talk to my attorney about that matter. They sent me a letter for the debt. On Monday XX/XX/2021 this company called my XXXX, who lives in California twice XXXX both at XXXX ) demanding to know an address or other contact information about me. I am still working with my attorney to see if the debt is valid.