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

In 2017 I had a XXXX credit score, suddenly, even having no late payments, collections, debts my credit score went down to XXXX! I demand and explanation about this! I spent two years growing my credit score again, no late payments, no collections and it repeats again, because of a XXXX XXXX XXXX report my credit score went down from XXXX to XXXX, only because of a late payment my credit score went down 107 points. XXXX, XXXX  XXXX XXXX, Experian have been wrongfully calculating my credit score! I disputed the score, Experian answered it Remains on my report. My credit score shows a rare behave, even when making the same payments on time of my car loan and my credit cards, my score goes up and down only one point!
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was looking at ads on XXXX XXXX. I came across an ad for puppies that needed a home. I contacted the seller XXXX XXXX and was told the puppies were {$650.00}. That I should send a down payment of {$250.00}. She wanted it sent to XXXX. XXXX did not recognize that email so they changed to a friend. XXXX XXXX. Trustingly I sent money after asking for picture of my puppy and where they are located. They said XXXX and sent pictures that looked old. 
The next morning she texted and said she needed to pay the vet for DNA test, shots etc so puppy would be ready for on the XXXX of XXXX. Another {$250.00} sent to a XXXX on XXXX. XXXX originally sent it but then reversed the transaction. So XXXX asked me to send to same person on XXXX as before. Reluctantly I did. 
The next day she asked for {$150.00} for legal papers which after being fussed at I sent again to XXXX XXXX. 
The next message wanted {$230.00} for a kennel the vet required. Money would be refunded at pickup. I refused payment and was told I had hurt her feelings. She has now blocked me on XXXX. 
I called Regions and was told they have no dispute process and basically neither XXXX nor Regions Bank would help recover the money. I just wanted them to investigate it. They said they would but I doubt it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes for inaccurate information that has been put on my credit report and XXXX refuses to investigate properly so that the items can be removed. XXXX   wont reinvestigate although i have advised them some of the accounts are not mine. I have been trying to get these accounts removed for over 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion  put a credit lock and 3 year long fraud alert in my credit report and SSN. I had member services in XX/XX/2020 and no XXXX account showed cup on my file nor did I receive a phone call to request permission to remove the alert for XXXX. Today XXXX XXXX2020, exactly 2 months later Transunion inaccurately added a XXXX collection account on my report after all my accounts were paid off on my report, that shows this fraudulent was opened 2 months ago. This would mean that Transunion put it on my report knowing it was false information and reported false information for the lock, the fraud alerts, and membership alerts would have alerted me and the XXXX account is no where on file In their system. 
On top of this, they refused to allow me to report it after their error was discovered to protect the fraud and misconduct on their end. Attached is proof they refused to allow me to report this from XXXX different devices
Product: Checking or savings account

Letting payment go through when there was no money in my account leading to overdraft fees!
Product: Credit card

XX/XX/XXXX - made prepaid XXXX car rental reservation for {$1100.00} ( XXXX ) XX/XX/XXXX - picked up rental car XX/XX/XXXX - dropped off rental car; was charged XXXX XXXX when vehicle was dropped off; paid full amount XX/XX/XXXX - called XXXX after reviewing the charges and not being able to reconcile with original rental amount ; also inquired about the cost of repairs. XXXX was not able to provide documentation supporting the difference between the prepaid amount and what was charged when the vehicle was turned in. Also was not able to provide actual repaid costs ( estimate was charged ). 
XX/XX/XXXX - opened dispute with Barclaycard for overcharge both on the rental and repair XXXX/XXXX/XXXX - Barclays requested additional documentation to support claim ; did not provide any electronic means so packet was sent by mail. 
XX/XX/XXXX - called Barclays to get status of dispute at which time they said it was closed because we did not have sufficient documentation ; at no time did Barclays get additional info from merchant ( either not request or not received ; did not attempt chargeback ) XX/XX/XXXX - receive notification in mail that Barclays was closing dispute
Product: Debt collection

This Collection Agency ( XXXX XXXX ) has never contacted me, gave notice to me, nor furnished to me any documentation verifying the collection debt they supposedly are collecting from me. To make matters worse, they now have put a negative remark on my credit report stating that owe a large balance amount which is not even my debt, as a result, it has damaged my credit with all 3 credit bureaus. 

They allege I owe them {$8300.00} It shows the account was opened on XX/XX/2016 ( 1 yr, 10 mo 's ) *But, there is No Account Number nor the identification as to " What Type '' of an account it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

https : //usa.experian.com/  reduced my credit score by 20 points for no reason and keeps it low, while on another credit cards the score is high, for example, XXXX XXXXXXXX credit card  my score by XX/XX/2020 is XXXX points, but at Experian only XXXX. How to understand this and what it is? They constantly underestimate the score!
Product: Credit card or prepaid card

I got a secured credit card from Capital One and was promised they report it to the credit bureau and it's not even showing a new account on my credit so wondering why it's not showing up on my credit report
Product: Checking or savings account

I opened a Wells Fargo savings and checking account in XX/XX/XXXX in XXXX. I used the account for 5-6 years but then moved to a city ( XXXX ) where there were no longer any Wells locations. I stopped using the accounts for several years ( XX/XX/XXXX/XX/XX/XXXX time frame ) and had transferred all of my money to another bank. 

In XX/XX/XXXX, I used my XXXX account to pay for a hotel room. On accident, the XXXX account ( which apparently was still linked to Wells ) used the Wells checking account instead of my XXXX to complete the transaction. The charge ( {$560.00} ) hit the Wells account in XX/XX/XXXX. 

In XX/XX/XXXX, the Wells account auto-paid {$36.00} of it. In XX/XX/XXXX, that {$36.00} auto-payment was apparently reversed ( likely because there wasn't any money in the account ). In XX/XX/XXXX,  another {$17.00} was auto-paid. 

In late XX/XX/XXXX, Wells contacted me via phone and relayed that I owed {$620.00}, which was the balance of the account at that time. Up until that point, I wasn't aware that my wells account was still open and asked to close it. They told me to pay the balance and they would close it. I paid the {$620.00} on the phone and they sent me a confirmation email saying my account was closed. 

In XX/XX/XXXX, I was again contacted by Wells Fargo and they told me I owed {$37.00}. Apparently, when I closed my account in XX/XX/XXXX and paid off the balance at the time as required, there was still a {$17.00} auto-payment that had been made. In XX/XX/XXXX, this payment was reversed ( which would make sense given the account was officially closed ... ). Per Wells Fargo, this process of auto-payment and reversal continued throughout the summer accruing fees. I paid the {$37.00} they said I needed to and thought it was all finally settled Last month, I applied to get a mortgage for our first home. When they ran my credit score, it showed the Wells had charged me a series of delinquencies in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was never notified of any of this aside from the two times we connected via phone and I paid them. Now, my credit score ( which has no other delinquencies ) is being negatively impacted by these Wells ' rolling lates -- two of which seemed to have been triggered after they confirmed I closed the account. 

If there is anything you all can do to help rectify the situation, I would be greatly appreciative. This issue they've created are impacting whether or not we can get this house. Thanks very much
Product: Credit card

Every month when I pay my Total Credit Card on the due date ( XXXX of every month ), I am charged a late fee despite paying the payment on the due date. Despite making the payments on the XXXX, when they are due, Total Credit Card is intentionally documenting my credit card as being paid a day later, which intentionally results in me incurring a late charge. I have had to contact the company numerous times to make an adjustment to my account. In reviewing my account from the time that I was issued the card, this has occurred 3-4 times. I recently tried to fax in my dispute to the company, however my faxes can never go through. There is absolutely no reason why I am being charged a late fee almost every month when my payment is being made on time, and there is no reason why I should be forced to contact the company every month whether via telephonically, fax, or otherwise to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I sold our home in  XXXX  and closed on  XX/XX/XXXX . During this process we packed up and moved to   XXXX   in  XXXX . We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right?   My wife and I decided we wanted to buy a new home in  XX/XX/XXXX , In doing so the lender ran our credit reports only to find that  XXXX  reported us 60 days past due for the months of  XXXX  and  XXXX  of  XXXX . How could this be we paid off our mortgage in  XXXX . After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in  XXXX . The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested  XXXX  to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at  XXXX  with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue!  XXXX  has yet to return any of our calls. Unprofessional to say the least!!!
Product: Money transfer, virtual currency, or money service

I have used XXXX  for XXXX XXXX  XXXX and chase. And sometimes I tell them I sent to the wrong person but they told me already too late.but now after the lawsuit they tell you to confirm it. Before no it would just send
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX, was reporting incorrect information on my Consumer report. 

This is what they changed. 


Your XXXXXXXX XXXX  XXXX payment history has changed The XX/XX/2018 payment status for your XXXX XXXX XXXXXXXX credit card was updated from " 120 Days Late '' to " 150 Days Late ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting due to non-compliance with XXXX, Equifax, XXXX. They have failed to remove fraudulent information that is still reporting on my consumer reports. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Credit card

I applied for credit from Best Buy, to get their credit card which would entitle me to rewards and discounts. They approved me for reduced credit based upon what they said was my credit score ( XXXX ). Knowing this was a low score and my recent score was much higher I both pulled my score from all XXXX major reporting bureaus and wrote to them sending a full copy of my recent report which showed a minimum of XXXX points higher from the bureau they cited and over XXXX from another, and requested reconsideration. They said to call them. When I did they lied and said they never report a score to the consumer ( see their letter which contradicts this ), misrepresented their report and refused to correct their error. This refusal has cost me the cost of obtaining the report and will cost me both rewards and reduced interest rates on future purchases from this business. I understand this is their typical credit approval tactic and they consistently deny full credit, no matter how creditworthy an applicant may be. They also refused to provide a facsimile number so I could provide additional information
Product: Checking or savings account

Hello. I currently have an account with US Bank but no longer want to have a banking relationship with them anymore. I believe that my account being under investigation is unjustified. US Bank doesn't provide any information as to why it is under investigation. They believe that its suspicious activity but I think otherwise. There are people who send money into other people 's bank account. I don't see a problem as to why I can't receive money in my bank account. US Bank is being misleading and unfairly to their customers/clients. There is no reason to be suspicious of a customer. That's not customer service. That's clearly discrimination!!
Product: Mortgage

I have a second mortgage and not able to afford to pay the payment because of their interest rate 13.5 % and requested them to modify the loan because of the hardship. I submitted all the required documents to them but they never try to help us. Since the our will be expiring soon we decided to sell the property and settle them its been 5 months we listed the property for sale but we have not received a single offer. I contacted them again if they can try to help us to settle or any payment option they can provide but the said they are options available right now for me.
Product: Checking or savings account

On XX/XX/2021 at around XXXX XXXX Central, I went to BoA ATM at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX to deposit cash { {$7500.00} }. ATM after taking my card and cash { 75 {$100.00} bills }, returned 9 {$100.00} bills after 2 3 minutes and thereafter machine went un-responsive. Then machine re-started and in process I lost my {$6600.00} and Debit Card. I saw one BoA employee coming out of bank and asked for her help. She expressed her un-ability and asked me to call at number on ATM machine and come to branch next day. I called BoA support and after delay of 4 5 min, BoA agent started helping. He asked me location of the BoA ATM. I told him that I have ATM ID but he was keen on getting the physical location of Bank. I dont understood why BoA doesnt have address on ATM machines when agents are expecting address rather than having ATM ID. Somehow, we got the location of the ATM by sharing the street address and near by landmarks. Then, I narrated the whole incident to agent and was assured that required complaints for missing cash and new card are logged. After that when I reached home, I saw a request for new Debit card but saw nothing in BoA application with respect to lost cash. I thought system might take sometime and by next day morning, I will see something. 

Now, on XXXX I didnt saw any claim # for missing cash and as advised by BoA employee, I went to bank for help { Till now there is no claim # in BoA application }. The BoA employee on floor who was attending to customers told me that nothing could be done from branch and everything will be done via call. Again, I dont understand that why BoA employee on XXXX asked me to visit branch when everything will be done with phone calls only. Since then my apathy continues. There is no communication from BoA on what is happening on the money taken by machine and I am being told to wait for 10 Business day.
Product: Payday loan

These people are not licensed to conduct usury interest rate business in the state of Ca. XXXX charge a Interest rate of over 800 % XXXX These people have taken advantage of my age XXXX, thinking that I would pay, this usury interest rate of 800 % or more, from my social security check. I can not pay that.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of your findings. I still have not received any contract and/or agreement with my signature on it. Im formally requesting the following documents specifically. 

Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : DELETE XXXX XXXX  XXXX XXXX XXXX Or Delete It! 
" DELETE XXXX XXXX XXXX '' Or Delete It!
Product: Checking or savings account

Transactions were done in XXXX, called my bank to report charges. Dispute was started and new bank card ordered. The temporary refund was deposited the next day. Got an email at the end of the week that the charges had no discrepancy and they were taking back the deposit. Called 3 separate times. The last call the lady stated they couldnt give me a direct answer as to how they came up their results. I told her that the electronic funds transfer act stated an institution can only take back the funds if it can prove you authorized the payment. it can prove you acted fraudulently. it can prove you deliberately, or with 'gross negligence ', failed to protect the details of your card, PIN or password in a way that allowed the payment. I didnt do any of this and they didnt provide proof but as of today XX/XX/XXXX every unauthorized transaction was charged to my account. Before I hung up she also stated they would reopen the case which would pause any charges. So they lied on top of taking the money from my Account.
Product: Credit reporting or other personal consumer reports

I was XXXX XXXX XXXX XXXX in 2003. Ever since then, different student loans, credit cards, and car loans have been showing up on my credit. I have never attended any school nor applied for any loans, nor has my son. I have called and tried to get this information off my credit but all I get is the account is mine and I DON'T UNDERSTAND HOW.
Product: Credit reporting or other personal consumer reports

The following investigations were done by all 3 bureaus and only XXXX has removed the specified accounts. All of these accounts are still listed with XXXX XXXX Experian, if XXXX has removed them all why do these 2 bureaus still have them listed on my 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 Including all inquiries that have been disputed as well