23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

on XX/XX/2022 I went to XXXX and pay a temporal vehiculo internation fee in the Border to XXXX for {$460.00} dlls wich I paid with my ATM visa bank of america ending on ( XXXX ) on XX/XX/2022 I went to the XXXX XXXX XXXX colorado, XXXX XXXX Border to cancel the permit and be reimbursed since my vehiculo motor ( CAR ) is returned to USA and my trip ended .after a few weeks I realized that the money wasn't credited on my bank account and I have overdraft fees so I called the XXXX and they told me that the money was send back to my account visa card I originally used the first time with ( BOA ) bankofamerica visa card ending ( XXXX ). on XX/XX/2022 I contacted Bank of America to make a claim and the money was temporarily credited in my account .on XXXX bank of america denied my claim 'due to the length of time pased from my original transaction and taken back the Money from my account and charging penalties and overdraft charges and fees. since then I tied to contact them unsuccesfully putting me on hold wasting my time and irrespectully hanging my calls, the second time I was answered I requested the razon and information in writing and I haven't heard nothing back nor recieved nothing in writting. thank you for your help and legal advise to recover my money.
Product: Debt collection

I have attempted to get this account that is listed as two different collections removed for the last 6months. The collection keeps being readded with incorrect dates for the collection. This company is not following regulations please help me remove speedy cash from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) - XXXX ( Collection ) account and NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX  ) - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XXXX  ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.
Product: Debt collection

On XX/XX/XXXX I was informed XXXX XXXX XXXX filed suit of a credit account they purchased in Small Claims court. I asked for information on the original credit card company and was denied any information on a old Credit card dispute over XXXX XXXX years ago. I am on a XXXX XXXX XXXX as of XXXX. The last payment was in XX/XX/XXXX but was told to get a copy or statements from XXXX XXXX XXXX I would have to pay all late fees and over limit fees FIRST... The dispute is the original Credit card XXXX would Post most payments on the day after the due date every month. I made a point to MAIL all payments in XXXX weeks prior to due dates ... After multiple attempts of trying to resolve the dispute and having my dispute filed to Credit Bureau .... The harrassment was overwhelming and the only recourse was to close the account which I did in XXXX. XXXX of the amount they claim I owe are Fraudulent Late Fees that continued for years. I am on a XXXX XXXX Permanent medical XXXX. Thank you for any assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting

I sent a letter to Experian on XXXX XXXX asking them to research what I feel are mistakes, or things I just do not recognize on my credit report. They sent back a letter saying my request was suspicious. I do n't understand why they wrote that. I provided a copy of my drivers license, bank statement, and social security card. Who else could be writing them trying to get things fixed on my credit report? I could see if there were suspicious purchases or things being reported. But I am looking to get things fixed. 
This makes no sense to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I have attached a fraudulent account along with fraudulent unauthorized inquiries
Product: Debt collection

XXXX XXXX of a law office called me from phone number XXXX XXXX XXXX on XX/XX/XXXX she told me that I owed money to XXXX XXXX asap and if I did not pay it she was going to send it to XXXX county as a lawsuit. I was planning on paying it anyway and told her I would pay it. I paid with a someone and was told I would get a receipt and it removed from my credit. I then got a phone call from XXXX telling me they had the collection and I still owed it. I said I paid it and they wanted proof I sent over the copy of the payment on my account and it now says in dispute. I call XXXX XXXX again on XX/XX/XXXX and left a message she called me back and said I would get a receipt and she would call XXXX. I have gotten nothing from her and it is still showing on my credit. Now when you call her there is no answer and her mailbox is full. 

I just called the number on the charge and it is not even a company that does this. XXXX XXXX  XXXX XXXX XXXX 

I want my money back from XXXX XXXX or this removed from my credit.
Product: Credit reporting or other personal consumer reports

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and XXXX XXXX that this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Account # XXXX This account is paid in full. I have attached a receipt XXXX XXXX XXXX emailed to me after receiving payment in full. 
Please remove this account my credit report immediately thank you.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$2700.00} XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$770.00} XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1200.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$2000.00} XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1700.00} There is also a fraudulent inquiry with : XXXX - Opened XX/XX/XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud
Product: Checking or savings account

On approximately XXXX XXXX I had damaged currency that a friend wanted to exchange.He didnt have a bank account.I called my bank ( Pnc ) and asked if they would exchange it.They said if it was at least half a note and the seriel number was legible.They exchanged it ( {$280.00} ) On XX/XX/XXXX, the branch called and said would I pick it up ( dams aged money ) That they changed their mind.Requested my approval to debit my acct and I declined.I said it wasnt right weeks after to change it.They are no longer doing this after the fact.
Product: Credit card or prepaid card

I opened my Wayfair acct. on XX/XX/XXXX and made a purchase. I paid it off within the month and it has had a XXXX balance since than. On XX/XX/XXXX I discovered fraud on my acct. and opened a claim and shut down my acct.. The fraudulent charges were as follows : XX/XX/XXXX for {$1600.00}, XX/XX/XXXX for {$1600.00}, XX/XX/XXXX for {$480.00}, XX/XX/XXXX for {$1000.00}, XX/XX/XXXX for {$770.00} ( stopped ), XX/XX/XXXX for {$460.00}, and XX/XX/XXXX for {$930.00} ( stopped ). I just received a letter from their fraud department saying that Im responsible for these charges. Im shocked that any of this was possible. One person I spoke with told me the charge on XX/XX/XXXX was flagged as fraud but they ended up letting it through without trying to contact me either by phone or email. Also when I made the one purchase on XX/XX/XXXX I received an email with purchase details, tracking number and estimated delivery date. I didnt receive any emails on the fraudulent charges. I also dont know why they allowed the charge on XX/XX/XXXX for {$460.00} a day after I notified them of the fraud and asked them to close the acct.. Im so frustrated! Please help me with this company.
Product: Debt collection

On XX/XX/XXXX I was notified that a debt from XXXX XXXX XXXX was transferred to a 3rd party source, TrueAccord on my behalf. I contacted TrueAccord on XX/XX/XXXX and spoke with an agent, XXXX ( Agent ID XXXX ) in which she confirmed all information and debt was being handled by TrueAccord. I was a settlement in the amount of XXXX and agreed to pay amount stated by next business day. Agent confirmed settlement amount would be sent to my email for payment and confirmation of payment would be sent via email from TrueAccord to myself immediately. I was informed that TrueAccord system would be updated with payment immediately as well and debt would be sent to original creditor within 72 hours. I received email confirmation as such as well. I did explain to them that I was in the process of purchasing home and would to need have letter or email stating balance was settled and at {$0.00} balance. XXXX informed me that TrueAccord does not report to any credit bureaus ; only reports to original creditor of any updates. I paid XXXX online with TrueAccord website on behalf of XXXX XXXX XXXX. When I spoke with XXXX XXXX XXXX on Tuesday XX/XX/XXXX I was informed then only that I would have to wait 60 days to have a letter that shows balance was paid and settled as {$0.00}. This was not communicated to me from TrueAccord nor XXXX XXXX XXXX in which is delaying my mortgage loan. My family was displaced due to Hurricane Harvey in XXXX XXXX and am currently being stressed to the capacity due to this is the only delay we have because of XXXX XXXX XXXX  and TrueAccord. This is bad business practice and immorally just wrong. I spoke with XXXX, Supervisor at XXXX XXXX XXXX and was sent a letter only stating account was not cleared. Per the mortgage loan processor, I explained to CFS the letter would have to state balance was cleared at XXXX prior to receiving inaccurate information from XXXX. I have requested to speak with the CFO/COO at XXXX XXXX XXXX and to no avail. Please help. The XXXX has also been deducted and cleared on my bank 's end as well for payment. This is outrageous and I will not stop until there is a sensible resolution and a letter is submitted to myself and husband that debt is resolved, settled, and no monies are owed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX SS XXXX XXXX  birthday XX/XX/XXXX This CFPB complaint has been filled to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate, and false information consist of a XXXX  loan opened on XX/XX/XXXXat XXXX XXXX XXXX act # ( XXXX ) and Collection XXXX XXXX XXXX started XX/XX/XXXX act XXXX XXXX and Hard inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent inquiries and collections appearing on my consumer FICO credit report .I 've included a list of the hard inquiries as well as copies of the consumer FICO credit report maintained by you which shows these items I've mentioned.i do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer report maintained by you were not opened, made, or initiated by me. all these accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing in the hope 's that you can assist me on my dilemma!! I am writing on behalf of my granddaughter XXXX XXXX XXXX as she is beginning her journey in life. 

I'm besides myself there is no way that I can pay more than {$50.00} per month on this bill!!!! I had to leave school due to my XXXX XXXX XXXX as a matter of fact she took a student loan for me and was able to be given Charity as she is now on Social Security. 

Our generation is being set up to loose fresh out of school with " NEGATIVE '' credit scores that's it, your stuck there for the next 10 years. 

Please help me in this matter they continue to close account sell account & the cycle begins all over again. To be quite honest I work XXXX hour week 's which just covers my rent. Isn't there some kind of program that I could possibly qualify for. 

Thanking you in advance for your efforts. 

Respectfully Submitted 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 have reached out to XXXX, XXXX, and Equifax four times now regarding false accounts, account numbers, public records, and false information reporting to my credit report. Over the course of a year they have slowly removed some. But they haven't fixed everything. I've called them, mailed them affidavits. I get generic responses. I have provided them several pages worth of supporting proof.They are supposed to remove the information within 4 days. It's been almost a year! I am fed up with their lack of protection of my consumer rights.
Product: Credit reporting or other personal consumer reports

I FELL VICTIM TO THE EQUIFAX DATA BREACH AND MY INFORMATION WAS USED IMPROPERLY I DID NOT APPROVE THE USE OF MY INFORMATION FOR THIS PURPOSE
Product: Credit card or prepaid card

I wanted to get a full refund on a payment I made in XX/XX/2018 for a service that was supposed to be delivered in XX/XX/2018. The service - air flight by XXXX  XXXX - was totally inadequate and not consistent with what I paid for. It also caused me loose money from my salaries as the changes that XXXX XXXX made just 10 hours in advance of my flight ( booked 4 months ago ) caused me to take an urgent dayoff from work. ( If I was informed about the changes earlier I would probably be able to schedule a different itinerary to avoid loosing money, but because of XXXX XXXX 's way of doing business I was not able to do so. ) I tried to request a full refund though Capital One 's dispute system ( as I used my Capital One 's credit card to book the service 4 months earlier. ) The system gave me a weird message ( see the attachment. ) I attempted to call Capital One 's customer service and they did not provide me with the way to file a dispute. I find that way of delivering customer service by Capital One unacceptable and thus I file this complaint. Here are more detail on the cause when I paid by my Capital One credit card but suffered a lot of loss &. With the Capital One 's credit card I paid for a certain type of an air tickets - with a pre-selected seats - in 4 months advance time ( XX/XX/2018. ) I selected my seats before paying. When 4 months later ( XX/XX/2018 ) I got ready for my flight and attempted to online check-in to my flight, about 10 hours in advance. XXXX  XXXX refused to check me in. Instead they informed me that my flight ( for the upcoming day ) changed. The changes XXXX  XXXX made for me included a 3 hour earlier flight than I had booked. XXXX Personally I had no choice to totally cancel the trip just a few hours before the start. ) That made me to urgently request a whole dayoff from my work for the next day ( I planned to work and take a flight after work. ) Thus XXXX   XXXX 's short term notice changes made me loose money ( in my salaries. ) Moreover, I was not able to pick up the desired and paid for seats ( as I did 4 months in advance ) because at a few hours in advance almost all seats there taken and I had no choice. I had to sit in between 2 other passengers in all 4 flights of my itinerary ... I found the way XXXX  XXXX delivers its service is unacceptable and invasive. As well as the Capital One 's customer service did not deliver to me what's promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$790.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXXXXXX XXXX : {$30.00} ; XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX  Balance : {$170.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

UPON REVIEWING MY CONSUMER REPORT, I HAVE SEEN INACCURATE INFORMATION AND ACCOUNTS STILL REPORTING THOUGH IT WAS ALREADY DISPUTED SEVERAL TIMES. I HAVE SENT DISPUTE LETTERS LAST XX/XX/. I AM SO FRUSTRATED BECAUSE UNTILL NOW, NO ACTION ARE BEING TAKEN BY EQUIFAX, XXXX AND XXXX. 

Equifax : This account is not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This personal information is incorrectly reporting : Incorrect Name - XXXX XXXX XXXX- This in incorrect. Please remove this immediately and only report accurate information. 
The following accounts are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have also attached a copy of an Identity Theft report for XXXX XXXX XXXX  XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.