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

To Whom It May Concern, XXXX XXXX XXXX XXXX XXXXXXXX, are writing regarding the closure of our account and the retention of our operational funds by Mercury.com without adequate explanation. This matter requires your immediate attention as it has caused significant disruption to our business operations and financial harm. 

Background Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY, opened a Business bank account with Mercury.com ( Bank Name - XXXX XXXX XXXX ) on XX/XX/year>, utilizing the Articles of Organization and EIN provided during registration.

As non-U.S. citizens conducting business in the United States, we relied on Mercury 's services for smooth financial operations. Between XXXX and XX/XX/year>, we conducted regular transactions without any issues. Bank Statement has been attached. 

On XX/XX/year>, Mercury abruptly closed our account, citing a violation of the terms and conditions, without prior notice or a detailed explanation.

Issues : Mercury has retained approximately {$13000.00} of our operational funds without justification or recourse.

Despite multiple follow-ups, Mercury has only cited " internal reasons '' for the account closure, failing to provide any concrete or transparent information. We have marked email to their compliance team, support, help and legal team but Mercury is not replying to any of our emails.

Retaining these funds without cause or explanation appears not only unjust but also potentially fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were opened without my knowledge or consent affecting my credit score and ability to rent a home, finance a car among other things affecting my day to day life!
Product: Debt collection

I have attempted on numerous times to dispute an account that has ERRORS. Equifax continues to " update '' my account & stating it's resolved with the error remaining instead of DELETING the account because it's a violation of my rights. 

the account is showing i have a PAST DUE ( current ) balance, but with a collection that's impossible. Because of this, the account needs to be removed from my credit report immediately due to not properly validating the information. I do not want Equifax trying to stall or ignore my right to remove this incorrect information.
Product: Debt collection

On XX/XX/XXXX I returned from a vacation to find a collection bill in my mailbox. I was shocked because I did not know about this outstanding bill. When I called the collection agency on XX/XX/XXXX, I found out that the bill was from service that was performed on XX/XX/XXXX. This was an XXXX  that I had for treatment of my XXXX XXXX. My physician had obtained a prior authorization prior to beginning the XXXX in XXXX of XXXX. During the conversation with the collection agency, the representative stated that he could see that I was not billed for the date of service except right after the service was completed in XX/XX/XXXX before it was billed to the insurance. The representative stated he could not see any additional bills being sent to me. As I continued to investigate, I found that the last denial from the insurance company was done on XX/XX/XXXX. The collection agency admitted that they had received the file from XXXX XXXX in XX/XX/XXXX but did not send anything to me until the end of XX/XX/XXXX. 
The issues that I have with this is that I had prior authorization giving us the approval to have the infusions completed. The insurance denial on XX/XX/XXXX showed that the billing department did not include the authorization number and on XX/XX/XXXX the denial stated not deemed medical necessity yet I received prior authorization stating it was approved. The facility failed to bill the insurance with the necessary documentation allowing it to be paid in full. Because the collection agency sat on the bill for the 180-day parking time it took away my ability to appeal the claim with the insurance company and get the bill paid. Additionally, if there were any uncovered costs the facility was to bill it to the pharmaceutical company who would have picked up any uncovered costs but because of the failure to bill the insurance company the pharmaceutical company was unable to pay the uncovered costs as well. 
I am including with this letter the documents showing the approval prior authorization letter, the denial letters from the insurance company, additional EOBs showing different dates of services for the same infusion showing payment and information on XXXX XXXX   from the pharmaceutical company. I do not feel that we should have to pay this bill since it was an error on the facilities part in billing it to the insurance correctly as well as their delay in notifying me prevented me from being able to appeal it and get the services covered by the insurance. Also as soon as I contacted the Collection company they immediately placed it on my credit as a derogatory claim going back to the time that they received the claim in XX/XX/XXXX. 
Any help you can give me to get this claim off my credit and preventing the facility from pursuing this further would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer of the XXXX XXXX for 10 months and i have been entitled to a credit card. and my payments are punctual. but i cant check my credit score in any of the three company websites. i dont know what has happened.kindly can you check my credit score and let me know
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I requested my payment due date be changed to the end of the month online ( attached email ). I am unsure how Upstart allows a customer to set up a date that would make them accrue late fees and cause late payments when paying auto draft ACH. Nor was I contacted that a payment had been missed. XXXX agent stated an email was sent in XXXX but not XXXX, which I did not receive. I have attached my auto ACH payment history with my bank as well. When I tried to rectify this issue with Upstart via phone, an agent stated moving my payment date back to the XXXX of the month would rectify the issue, however she ( XXXX XXXX didn't say anything about making a separate late payment fee of {$30.00}. Had I not inquired via email I would have not known I need to make an extra payment and even more late fees would be accruing. This seems to be quite deceitful from a company. I paid the extra fee {$30.00} in XXXX even though the agent said she would reverse the late fee. However XXXX with Upstart stated that would not be allow, again unsure as to why when this was their mistake.
Product: Credit card or prepaid card

XX/XX/2020 I finally received my XXXX  from Nevada, I been having the card for months I never used it before I never gave no one the pin I always had the card in my possession I log on to my account and I seen a whole bunch of unauthorized purchases popping up back to back right before my eyes I immediately took the money out of the nearest atm, I called bank of america and I had a hard time they saying that was not possible, I called so many times before I finally got my money back I was issued a new card as well and each time I received money I took it out of the bank, then the charges was reversed saying that I authorized those transactions I kept calling and calling trying to prove it wasnt me I received some of my money back not all of it, I tried to file a police report, the police said I cant because it was online I filled a FBI Report, I contacted the XXXX XXXX XXXX multiple times it was a little help Its been almost 2 years and Still use is still on going
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

i have two items showing collection on my equifax report was due to identity theft they will not remove it after i show them my police report one was with XXXX XXXX for {$11000.00} and the other was with XXXX XXXX / XXXX for {$2600.00}
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 XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$110.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022.
Product: Checking or savings account

On XX/XX/XXXX the credit I received from An unauthorized charge was reversed. This charge was initiated on XX/XX/XXXX by XXXX XXXX XXXX. I was not informed that I had an appointment that day and I was told in a voicemail, which I still have, that my credit card information was not on file. I did not sign a contract with this merchant or give them permission to charge me for a service. Wells Fargo acted egregiously in this matter, reversing the charge when my account balance was already low to charge me for overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that are reporting incorrectly on my credit reports : Personal Information : Name : XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX XXXX  XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX ( Experian ) Inaccurate late reporting : XXXX XXXX - ( XXXX, XXXX & Experian ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Experian & XXXX  ) ; Balance - {$6500.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX - ( XXXX, XXXX  & Experian ) ; Opened - XX/XX/XXXX ( XXXX ) ; Opened - XX/XX/XXXX ( Experian & XXXX  ) ;  Balance - {$800.00} ; I was never late on this account, please remove late reporting. 

XXXX XXXX XXXX XXXX - ( Experian ) ; Opened - XX/XX/XXXX ; Balance - {$0.00} ; I was never late on this account, please remove late reporting. 

XXXX - ( XXXX  ) ; Opened - XX/XX/XXXX ; Bal : XXXX ; the status is incorrectly reporting that I was late. Please remove late reportings. 

XXXX XXXX  - ( XXXX  ) Opened - XX/XX/XXXX ; Bal : XXXX ; the status is incorrectly reporting that I was late. Please remove late reportings. 


The following accounts are reporting either due to error or Identity Theft, Please remove the following items : XXXX - ( XXXX, XXXX, Experian ) ; Opened - XX/XX/XXXX ; Bal : XXXX ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Opened - XX/XX/XXXX ; Bal : {$360.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX - ( XXXX  ) Opened - XX/XX/XXXX ; Bal : {$6100.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX - ( XXXX  ) Opened - XX/XX/XXXX ; Bal : {$200.00} ; This account belongs to someone else or it is a direct result of identity theft. 

So XXXX XXXX XXXX - ( Experian & XXXX  ) Opened - XX/XX/XXXX ; Bal : {$0.00} ; This account belongs to someone else or it is a direct result of identity theft. 

XXXX XXXX - ( Experian & XXXX  ) Opened - XX/XX/XXXX ; Bal : {$18000.00} ; This account belongs to someone else or it is a direct result of identity theft. 

The following inquiries was not authorized by me : XXXX/XXXX   XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a credit card account at Citibank a few months ago. In the past two months I have never received a statement, by mail or email, or a notification that my statement is ready and to logon to see my account. I was just charged interest on my balance, which I only discovered due to downloading transactions in XXXX. 

I feel that charging interest and late fees without any notice is unfair and deceptive practice. 

I have checked my inbox, spam file and trash file in my email to verify that no notice was received. 

I spoke with Customer Service who refused to rectify the problem.
Product: Credit reporting or other personal consumer reports

I have a Chase credit card that went delinquent XX/XX/XXXX. The account went Charge off ( XXXX  ) XX/XX/XXXX. Chase reported it XXXX  until XX/XX/XXXX, then reported no data to XXXX until XX/XX/XXXX. This caused XXXX to report " Date of major delinquency reported '' to be XX/XX/XXXX. I have disputed this 2 times with XXXX. They know that because of the incorrect reporting my credit score went down around XX/XX/XXXX. They have stated that they will do nothing because Chase is reporting it as accurate even though they can clearly see inaccurate information. The decrease in my XXXX credit score has caused me to be denied credit. 
A supervisor at XXXX stated that if someone reports any inaccurate information, the company will always take the lenders information as true.
Product: Credit reporting or other personal consumer reports

On Many occasions, North Coast Financial based out of Ohio continuously are making inquiries on my credit report and I don't even live in the state anymore. it's been almost XXXXyears since Ive moved and this company steadily makes inquiries on my report for the reason : To make sure I get denied for everything I apply to, Intentionally putting incorrect items/amounts on my credit report basically saying I owe them XXXX for a car that's worth- XXXX ... a car that they been had back years ago, This is illegal and they can't say they've been trying to contact me because I blocked them after their threatening phone calls and their Devious ways of going about their business but I never blocked them from email contact which they don't prefer due to recordkeeping, their a shady company I should've never let get ahold to my personal info and they should be dealt with in such a legal manner that this stops now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There is 1 name, 2 addresses, and 2 previous employers that are inaccurate. On XX/XX/20, I mailed a letter to Experian asking to please make these changes. They did not respond and also did not make any changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report by the  XXXX   XXXX   XXXX  on    XXXX   XXXX   XXXX   . They (  XXXX   XXXX   XXXX   )  NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with  XXXX   XXXX   XXXX  management, they keep insisting that " customers are not told that their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place.     Really? Who in their right mind would say YES to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE!      XXXX   XXXX  has now damaged my  credit score a nd now I have to wait before proceeding with my mortgage application until this ILLEGAL mark on my credit report in permanently removed.     This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the  XXXX   XXXX  must be addressed as the rep on the phone on    XXXX   XXXX   XXXX   ,    XXXX   XXXX   XXXX     (  and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my   XXXX      years ever hit my credit with a HARD inquiry for a simple, few  hundred doll ar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at  XXXX   XXXX   XXXX  repeatedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report mont h ( if not years ) down the road.      So, as in my case,  XXXX  hard inquiries were done on my card by  XXXX   XXXX   XXXX  within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a coupl e hundred doll ar credit line increase.
Product: Credit card or prepaid card

- Around XX/XX/XXXX, Chase sent me a targeted offer ( attached below ) in the physical mail for opening a Chase XXXX XXXX XXXX card. The offer was to earn XXXX XXXX XXXX if I spent {$3000.00} in the first three months. The inside of the offer had instructions for applying, which was to merely use the link provided and enter your XXXX XXXX account information. 
- On XX/XX/XXXX, I followed the instructions to apply for the card using this offer. Upon being immediately approved for the card, I saw verbiage about XXXX points instead so I immediately called the Chase number to speak with a representative. The representative I spoke with assured me that it was a mistake and I will receive the correct XXXX miles upon meeting the {$3000.00} spend. He even mentioned that he saw an internal email mentioning that people might be calling about this issue and to assure them that they will receive the correct mileage. 
- Around XX/XX/XXXX, I knew I had met the {$3000.00} spend threshold, so I logged onto my mileage, and saw that I was only awarded XXXX bonus miles, which was XXXX less than promised. I called the number on the back of the card, and spoke with a different chase representative. I explained the situation and they told me they will put the request for the credit in, and I will have to wait up to 10 business days for a response in the mail. 
- On XX/XX/XXXX, I received a letter in the mail stating that I am not eligible for any different offer, and that no further miles will be awarded.

On XX/XX/XXXX, I called Chase back, spoke to a different representative, and explained the entire situation up to this point, including the fact that I still have the physical offer that was sent to me. She told me she will put in a request to have this " expedited '', and that I have to wait two billing cycles to see if Chase/XXXX has decided to award me those miles. 

At this point I 'm very concerned, because it seems like Chase is dragging this out to a point where I will be less likely to fight about it, and their promise for correspondence in two billing cycles is n't even a resolution to this issue, its a decision on whether they feel like they should.
Product: Credit card

I am writing this complaint in regard to a newly realized issue concerning an account being reported to the consumer reporting agencies by SELF FINANCIAL INC . This problem is that this account has been significantly re-aged. I have taken into account that this behavior is both inaccurate, fraudulent, and illegal. These behaviors constitute violations pursuant to the FCRA 15 USC 1681s-2 ( a ) and 18 USC 1001 for Fraud. As a result of the re-aging of this account, the statute of limitations when it comes to late payments have been illegally altered and manipulated. This account has been closed since XXXX XXXX XXXX. This is a prime example of unfair and inaccurate credit reporting and I rightfully demand the removal of the late payments reported in this account or the existence of this account in its entirety from ALL consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by theXX/XX/XXXXdata breach and may have got into the hands of the wrong person.
Product: Debt collection

I rented an apartment at XXXX XXXX in XXXX XXXX XXXX, Texas. I was evicted over a year ago and just found out that I was put into collections by NATIONAL CREDIT SYSTEMS. I was never notified and my phone number and email has never changed. I was never notified of charges, and never contacted by the NATIONAL CREDIT SYSTEMS or XXXX XXXXXXXX.
Product: Money transfer, virtual currency, or money service

PNC will not allow me to connect to my XXXX XXXX account. I called they said t was fine but XXXX XXXX site says pnc wont allow it
Product: Debt collection

Portfolio Recovery is attempting to collect a loan I had with XXXX. They are now reporting that collection as a loan through Portfolio Recovery. I now have a new missed loan payment reported because I have n't paid anything to Portfolio. I do not have a loan with Portfolio. I had a loan with XXXX which Portfolio is attempting to recover. Portfolio Recovery is a collections not a loan
Product: Credit reporting, credit repair services, or other personal consumer reports

For the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692C section 5 : states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Product: Checking or savings account

On XXXX XXXX XXXX, my Social Security check was deposited in my account. On XXXX XXXX XXXX, wrote check for {$1000.00}, to pay rent. XXXX XXXX XXXX, check, returned because a hold was placed for {$370.00}, then taken off. Was not told the check was not honored until XXXX XXXX XXXX. I have received the statement for that month but, the bank is unable to forward the statement that has the {$370.00}, hold placed on it. I have made three cause attempting to print it out. It has taken as much XXXX for customer service to retrieve. I need that document to take to eviction court in Indiana.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed some inaccurate addresses being reported that need to be removed. 

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