23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I called to One Main Financial today cause on the letter I just noticed that there is a note " YOU BOUGHT OPTIONAL PRODUCTS THAT CAN BE CANCELED FOR A REFUND, you may cancel ... ... ... .. by calling ( XXXX ) XXXX ''. I called in the morning and the assistant told me that the balance ( principal + interest ) was {$1100.00} and my payoff balance as of today was {$740.00}. Since my husband and I are together in the loan and we needed to cancel together we have to call back together in the afternoon. The rep XXXX, explain that we have around {$420.00} refund and this balance will be applied to the balance ( balance+principal ) and it can not be applied to the payoff balance. Asked him what is the pay off balance as of today and he sd {$740.00}, but he refused to apply the refund to the pay off balance so we can pay the remaining and pay off today. Also, he wanted to extend the loan for one more year until XXXX and we can pay {$85.00} starting our next payment on XX/XX/2024. I had to insist that we don't want to change the regular payment so we can complete to pay this loan on XXXX. He also refused to send a check for the refund.
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the list of unauthorized inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the unauthorized inquiries below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C1681c. ( 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 ) ( a ) 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. Please delete the unauthorized inquiries listed below : Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/2024, Equifax. 
Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/2024, Equifax.

Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/2024, Equifax. Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/2024, Equifax.
Product: Consumer Loan

Contact people came to my home XXXX visit they used vulgar profanity and I felt that he therend me, essive phone calls to my sister, XXXX man comes to my home very rude therting me I go inside home he stands on my porch yelling very loud that her lives a woman will not pay her bills could hear him all around the street I called law but he was gone before they arrived, I was served to appear in court with no court date then man calls me with news that he filing judgment got throes papers few days ago.This company has broken every collection law against me so much harassment, I need help with this matter, please.
Product: Credit card or prepaid card

I'm XXXX, XXXX, my vanilla gift card can't be used, it's on hold, I contacted the customer service representative on XX/XX/XXXX, he confirmed with me that there is a balance of {$500.00} in my card and told me that I will mail one Give me a new replacement card, I need to wait 7-10 working days, and today when I received the new card I tried to activate it, at first he said the number was invalid, then I tried again, it said it had been activated, the balance was only {$1.00}, I was shocked, I opened the envelope with my own hands, the {$500.00} card I just received, I Checked the consumption records, the card was used by someone on XX/XX/XXXX, and the envelope was only sent to me on XX/XX/XXXX, so they sent me a card with no money in the first place, right? I called the customer service and waited for 85 minutes. No one helped me solve it. They said they didn't know who used the card, so they had to ask me to dispute and submit receipts and other troublesome information, and then it was Endless waiting and relentless hang up, this is not my problem, it is the problem of incomm company, after I contacted the customer service representative to replace the new card on the XXXX, the old card that was originally on hold should be closed, obviously They should not have done this, why is my card on hold? Because there is a security risk, I need to change the new number immediately, but I contacted customer service on the XXXX to replace the new card, and the XXXX and XXXX are weekends again. Can anyone get a new card on the XXXX? It must be that the old card did not close the account of the old card in time. It was their mistake that caused me a loss. They asked for a new card for me. My original card number is XXXX and new card number is XXXX
Product: Money transfer, virtual currency, or money service

Recently Wells Fargo my card had been lost. I write my pins on sticky notes because I have XXXX XXXX. So somebody stole my card and use it when I lost my wallet.
Product: Credit card or prepaid card

fraudulent use on my TRUIST debit card for $ XXXX XX/XX/XXXX and XX/XX/XXXX XXXX truist denied claim saying one of the transactions used my PIN therefore the transaction was authorized which it wasn't there were numerous suspicious transactions on those dates i would get an alert from truist did i make this transaction and i responded NO.When i spoke with TRUIST today to inquire about the status of the investigation they told me it was denied and that I needed to prove it was not me making those transactions I spoke with several people in the fraud department at truist and no one was able to tell me how I was supposed to prove it wasn't me. I live in XXXX and was at work on the XXXX. The transactions were made in XXXX NJ. I've never been there never heard of it
Product: Debt collection

My debt of {$1500.00} was sold to another company, in which I have no contract with. My current balance is {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Received a letter from a company called Midland Credit Management about a very old credit card debt that was voided in court nearly 9 years ago. They are attempting to get a payment from me, but admit in the letter that the statute of limitations has passed on the debt, while not acknowledging that the debt is no longer even valid. My concern at the moment, due to reports from others who have dealt with them, is that they will try to damage my Credit history in an attempt to blackmail me into paying them money.
Product: Mortgage

Dear Banking  and Financial Dept Re garding Primary resident.  XXXX   XXXX   XXXX ,  XXXX   XXXX  GA  XXXX .    XXXX   XXXX  and  ( SPS Select Portfolio Service ) ref used to provide a monthly Statement.     I am writing this letter because of the unlaw act from both financial Intuitions.  XXXX   XXXX  and  ( SPS Select Portfolio Service ) will not  provide mine  XXXX  Mortgage Statement.  XXXX   XXXX  refused because  ( SPS Select Portfolio Service ) is  now servicing my mortgage loa n. ( a s of  XXXX   XXXX ,  2017  ).      XXXX   XXXX  is still my mortgage holder bu t ( SPS Select Portfolio Service ) is se rvicing mine Loan. I called  XXXX   XXXX  last week for  XXXX  Mortage Statement and printout of payment history. The representative stated  XXXX  will not able to provide me with  XXXX  Mortgage Statement or further statements. Because,  XXXX   XXXX  transferred my account to be ser vice by ( SPS Select Portfolio Service )   XXXX   XXXX ,    2017   XXXX   XXXX  emailed me a copy of my payment history, ( Up to  XXXX     2017  ) which in excellent standing ( NO Lates ) I contact ( SPS Select Portfolio Service ) on  XXXX / XXXX / 2017  for mine  XXXX  Mortgage. Spoke with ID  XXXX  and  XXXX   XXXX   XXXX  supervisor, both stated I will never receive a Monthly Statement, because of old 10 years BK. I informed both representatives  XXXX   XXXX  sent Mortgage statement every month.     I informe d both ( SPS Select Portfolio Service )  representatives, that  XXXX   XXXX  always provided detail monthly statements,  XXXX   XXXX , a supervisor stated I will need to call in every month  for details. Plus I will NEVER receive a detail monthly statement. In additions, It 's my responsibility to call ( SPS Select Portfolio Service ) each month for my payments. SPS Select Portfolio Service will let know mine payment amount by PHONE ONLY.      I also request f or ( SPS Select Portfolio Service ) n ot share my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

KOHLS/CAPONE TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$260.00} {$260.00} {$300.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 90 Days Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are reporting accounts that were included in a bankruptcy, as " derogatory '', this is a direct violation of FCRA. I sent a dispute letter in XXXX and have not received any response m not even that an investigation has begun. Ive attached copies of all accounts reporting derogatory, including the letter sent. 
Here are the accounts that are inaccurate : XXXX # XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I have paid off my auto account with Ally Auto since XXXX or XXXX of XXXXHowever late payment and account still reporting on my credit. When I reached out to Ally was advise that though account is paid off it will not be removed from credit reporting for another XXXX years therefore interfering with my rent score and ability to get approved for a place to live. 

The delinquent account that I have with XXXX XXXX and XXXX has been paid off since XX/XX/XXXX but still reflecting negative on my credit report making it hard for my rent score to increase and me be able to move into a home when I made contact with the debt collector I was advised that even though account is paid in full it will not fall off of credit reporting until XXXX
Product: Bank account or service

I have a pre-paid Visa debit card through Rushcard which uses XXXX. Myself, along with XXXX others have not had access to their funds for almost a week now due to a " technology glitch ''. My payday came and went and although my direct deposit is showing in my account online they will not give us access to it. The card gets declined or says invalid. They have given us no solution or time frame as to when it will be fixed. Their customer service # hangs up on you now. I believe they stole our money. My cell phone was turned off, I had to borrow money for food, people can not buy their medications or get gas to go to work. I need my hard earned money so I can cancel this card and never use it again. They need to release everyone 's money and if it is a card issue then overnight a new card. They will not give us any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has reported incorrect information on my credit file from XXXX XXXX/XXXX  trying to collect on this account I do not owe. This company never sent me any information and I want this account remove immediately. XXXX  and XXXX properties and broken the law 15 U.S. Code 1692g.Validation of debts. This company did not send me anything or verify anything. This company purchased a debt that I don't owe and I want it removed from my credit report immediately.
Product: Credit reporting

The information on my Experian credit report is out of date. Also, there are credit cards on my report that I have never ever had. I never had a XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting this bankruptcy for a few months because of the inaccuracies inside of the bankruptcy. I logged onto XXXX  to verify that all of the information was correct ; ie. case numbers, closing dates, etc and I noticed that the case number listed on all 3 credit bureaus are incorrect. The case number listed in XXXX  is XXXX ; however what is being on all 3 credit bureaus and probably XXXX XXXX and XXXX is incorrect information. The information being reported on Experian is XXXX, on XXXX  is XXXX, and on XXXX  XXXX. 

On XX/XX/2020, I disputed the inaccurate reporting to XXXX as all 3 bureaus stated they validated this reporting through third party, XXXX XXXX. On XX/XX/2020, after a re-investigation of the data in question, XXXX XXXX removed the bankruptcy from my XXXX XXXX report. I have forwarded a copy of this report to all 3 bureaus and they are still coming back stating item in dispute not changed as a result of our processing of your dispute. The company that reported the information has certified that the information is accurate How? When XXXX XXXX clearly stated in writing they removed it.
Product: Credit card

Was a happy XXXX card member for years, in late XX/XX/2016 XXXX converted the card portfolio to Barclaycard ( XXXX ). We almost never carry a balance over, but we started to in XX/XX/XXXX and Barclay has been overcharging the interest expense every month. Instead of charging interest on the carried balance they charged it on the entire average balance. So if we charged {$3000.00} last month and carried {$3000.00} from previous months then they charged us 15 % of the {$6000.00} = {$75.00}, should have been {$37.00} in interest charges. They are double dipping, getting the interchange fee ( 1.5 % of purchase, equal to an 18 % apr ), plus they are getting the interest on the purchases at 15 %, that is the equivalent of an 33 % interest charge. 
I feel this practice is very unethical, if not illegal. We converted, not by our choice, from XXXX to Barclaycard MasterCard, so if we leave we lose all the points we acquired in previous years. Completely unfair and is why the big financials have the hated reputation they have now. Hope you folks over there can investigate.
Product: Debt collection

XXXX WHICH IS KNOWN TO BE A DEBT COLLECTOR COMMITTED XXXX BY TRYING TO PACK ON MORE CHARGES ON TO MY XXXX LOAN THAN WHAT THEY PAID. THEY ARE MISLEADING AND DECEPTIVE AND COMMITTED FRAUD. They stated they paid {$1700.00} when they did not pay that much. 

Please see attachments with the three exhibits. I reported XXXX to my Attorney General XXXX XXXX to be investigated.
Product: Debt collection

I owed a credit card debt to XXXX for around {$1300.00} including late fees. This happened during the pandemic. It ended up going to a collection agency. For some reason they put the debt at around {$1800.00}. Every time I would report the amount incorrect, they would claim it was and add on another couple of dollars. Or if they noticed my credit rising, they would post the debt with a fresh date. Thereby they effectively kept my credit around the upper 500s- lowers 600s. In XXXX of XXXX  XXXX sent me a check, which the letter I still have. They said credit was due to my account, an obvious admission of the original amount of the debt being incorrect. During this time the collection agency Calvary LLC sued me. I had no clue because I never received a subpoena, thereby they won by default cause I had no notification of any court date or case. I was left with $ XXXX {$600.00} checks biweekly. Whatever check the judge looked at had overtime, holiday pay, and I was temporarily exempt from taxes. They claimed I make almost {$2000.00} biweekly which is false. They were able to rip a large amount from my checks. I had to withdraw my XXXX to prevent eviction. Also, even though they have received the money through garnishment, they still have the debt posted on my credit.
Product: Credit card or prepaid card

My issue is regarding Capital One I received a check for my taxes of XXXX dollars and XXXX cents and XXXX XXXX decided to close my account and put my check on hold for 10 days. This caused my Capital One payments to be returned and my account is now closed. I spoke to Capital One multiple times and they gave me the same explanation and I spoke to XXXX XXXX and asked for their help because this was all their fault they shouldve never put my account in a closing stage specially that I did nothing wrong. I want this issue resolved because I want to keep my credit account opened. This was my first ever credit card account and its made me so upset that Ive been feeling XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in my mind. This has affected me deeply because i always payed on time and never had issues or gave Capital One issued. This has affected me deeply mentally and emotionally and specially financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receipt of a recent credit report it showed an address of XXXX XXXX XXXX XXXX  XXXX, OK XXXX which is inaccurate. I have never lived at this address nor ever been to XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Closed Account with Late Payments FCRA Compliance To Whom It May Concern, I am writing to dispute inaccurate and harmful information appearing on my credit report regarding my XXXX XXXX XXXX account. This account has been closed and fully paid, yet it continues to reflect late payments, which are negatively impacting my credit score.

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I have the right to request verification of the accuracy, completeness, and timeliness of any information reported in my credit history. According to 15 U.S.C. 1681i ( a ) ( 5 ), if the information can not be verified with absolute accuracy, it must be deleted or corrected immediately. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Status : Closed and paid Inaccurate Information Reported : Late payments that do not reflect the current status of the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX  XXXX {$8500.00} XXXX XXXX {$23000.00} XXXX  XXXX XXXX {$480.00}
Product: Debt collection

I filed bankruptcy and it was discharged in XXXX 2015. IC System Inc is still showing as an open collection account on my credit report with no balance or account number on it. Remarks are Bankruptcy chapter XXXX, bankruptcy discharged.
Product: Credit card

Hi, XXXX XXXX. XXXX. My personal information was compromised during a home burglary and then, used to open XXXX fraudulent accounts with XXXX XXXX ; using My Name, XXXX & XXXX, along with various fraudulent addresses, while I was overseas, serving in the XXXX XXXX. PLEASE help. Thank you again!
Product: Debt collection

I needed to pay off my XXXX credit card placed at Midland as a requirement for a new job. I needed to have the debt paid and provide a letter showing I paid the debt for my security clearance. I paid the settlement Midland ands I agreed upon, however Midland still shows the account with a balance due on my credit report, the letter I received does not state the account is paid off and I requested a letter stating on their letter head the account is payoff to provide for my employer and they refuse. I was told to use their website to show the balance is zero, but it only states I need to call to request information on the balance. I attached the screen shot. Midland used deceptive, misleading and false statements to get me to pay off the debt.
Product: Checking or savings account

In XXXX of 2021 I opened a Credit Karma spending and savings accounts ( with proceeds from a home sale ). Over the course of a month I deposited a total of XXXX into my savings account. On XXXX XXXX I withdrew XXXX ( earnest money for a new home ). When I tried to deposit additional money into Credit Karma on XXXX XXXX I was told my account was frozen. I emailed Credit Karma for assistance and was told my count was " under review ''. They requested a copy of my id and my bank statement. I sent my ID and expressed concern over sending my bank statement. Prior to doing so, I asked for an explanation as to why my acct was under review. I got no response. For the next XXXX weeks I called the only number I had for Credit Karma and was repeatedly told my account was under review ( no reason given ) and that the dept. that had the power to unlock it did not have a phone number and that I would have to wait for an email response. I got an email today ( XXXX XXXX ) stating my account is under a " risk review '' and it would be another XXXX business days for an update ( not resolution ). I need my money for a down payment on a house and having my money not accessible for a month seems unreasonable. The FDIC has agreed and suggested I reach out to CFPB. 

I have since read numerous complaints about the same thing on XXXX and social platforms. 

Credit Karma Case # XXXX