23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I contacted by XXXX XXXX regarding an XXXX account balance that I disputed with XXXX, this past XXXX 2015. I had previously made a partial payment to RGE days before I was contacted by XXXX XXXX. When I spoke to the customer service rep at XXXX XXXX, I gave them all the information to debit my checking account for the remaining balance. I was told that they would first have to verify with RGE of the amount that I had already paid, and it might take as long as 30 days to confirm. They would then debit my account for the balance. I questioned whether the collection information would appear on my credit report, and she assured me that it would not, because I was making a payment within 30 days of them receiving the account. About a month or a little more later, I received another call from XXXX XXXX stating that they needed me to authorize another debit from my checking account. I explained that I had previously authorized a debit a month or so with another rep from the very same company, I was told that because I authorized an amount {$.00} more than I actually owed, that I would need to authorize the new balance. I expressed my frustration at not receiving a phone call sooner to let me know of the new issue with debiting my account. I spoke to a supervisor, who assured me the following day that he had received approval to remove the collection activity from my credit report because it was an error on their part. I was told that the company would send the request through XXXX, the same system used to place the collection activity, to have the activity removed. A month or so later, the collection activity was still on my credit report. I called back, spoke to another supervisor, who not only confirmed that a removal request was sent through XXXX, but he also gave me a letter explaining that my account had a XXXX balance to be given to my mortgage company. I called back a few weeks later to complain to the same supervisors I have previously spoken to, about the collection activity negatively affecting my mortgage rate. Again, I was assured that the information was re-sent to XXXX, and I was told to file complaints with each of the credit bureaus, which I did. I 've filed requests for investigations with each of the credit bureaus twice, but so far only XXXX has removed the negative collection activity from my report. XXXX and TransUnion continue to report the collection activity on my credit report, even after I faxed and mailed a copy of the letter ( on company stationary ) I received from one of the supervisor stating that my account was paid off and that they collection activity had been deleted from my credit report. Although I submitted this letter to my mortgage company, I still was unable to qualify for the lower interest rate that I was promised when I was first qualified.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by a family member that the company Affiliated Management Services had called her on XX/XX/2021 at around XXXX attempting to reach me in regards to a debt I was unaware of. My complaint is that this company disclosed information about the debt to the caller without verifying any information from this person or me. This clearly is in direct violation of the FDCPA and will also be consulting an attorney in regards to this unauthorized disclosure of information to an unauthorized 3rd party.
Product: Vehicle loan or lease

This company was involved in a class action lawsuit that ended in a class action settlement. My car loan was included in that lawsuit. They were also involution XXXX code. There was also a judgement that stated that any deragatory information associated with this company as far as reposession needs to be removed from my credit report.
Product: Checking or savings account

This is now my second complaint with the CFPB against bbt. My account has been closed since XX/XX/2020. I have requested a check be issued several times. Yet the money still sits in these 2 accounts. Im at my end here. Theyve left me penniless. My family had no thanksgiving and If this continues no XXXX.
Product: Debt collection

Hospital charged me the wrong amount im trying to get a hold of them to charge me for the correct amount i need to dispute this amount charged to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked credit report Destiny has been reporting missed payments to my credit report. The account has been settled for months but continue reporting missed payments and false information.
Product: Credit reporting or other personal consumer reports

15 USC 1601 ( O ) civil liability for negligent no compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX about an item they have put on my credit report about owing {$940.00}. 

This item by Original Creditor : XXXX XXXX, a utility provider in the state of Illinois placed to collections : XXXX XXXX XXXX is inaccurate because I have never lived in the state of ILLINOIS. 
It first appeared back in XXXX on my credit report under XXXX XXXX with the same amount {$940.00}. I disputed it with Transunion providing all the necessary documentation substantiating my claim and it was removed. 

Now it has showed up again after 2 years with a different collection agency. It is frustrating that I have to waste my time & energy again to take care of this. Both XXXX & Transunion are not willing to help remove it. 

To substantiate my claim I am attaching the following documents which I had already sent to XXXX & Transunion Addresses listed of all my credit reports, Most recent utility bill as address proof, Original Lease & lease amendment documents for the current residence Upon contacting XXXX XXXX XXXX several times they have not done anything to remove this incorrect information from my credit report.
Product: Credit card or prepaid card

I used the mobile app to lock my XXXX  XXXX credit card. Now my account and or credit is frozen. And no matter how many times I call them they say its unfrozen but all the returned denials come from my account being frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX to rectify my issue. XXXX closed my account and I paid them off. It still shows as a balance on my current credit report as if it still is an active account, but the same account also shows under my closed accounts as well. Target stated that they seen on their end that the account was closed and had a {$0.00} balance. But my credit report is reporting a balance.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft I pulled my credit to find I had multiple accounts that was not mine and some of my reports has stated that my credit had been ran over a XXXX times in a year span for some I have continuously disputed everything that didnt belong to me and well that hasnt worked so I been reaching out to the creditors and well I spoke with a company called XXXX that was reporting a secured credit card that I supposedly opened Ive disputed multiple times and same answer it has been verified is what the credit bureaus had advised me after all the documentation Ive had to send over to prove my case well the representative from XXXX proceeded to pull this fraudulent account and I stated Ive XXXX it with the credit bureaus she said maam we have not received a dispute but I will be happy to help get this off your credit I will have this sent to our fraud department because she said if it had been disputed then notes of the investigation process would be documented on your account so with that being said we take our time to put our faith in these so called credit bureaus that take our information makes us jump through all kinds of hoops to send documents and not to mention the XXXX it is to speak to someone the hold time is ridiculous and thats if you can ever figure out a way around the virtual XXXX  thats absolutely no help my credit is suffering because these bureaus refuse to do their job properly
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with transunion, XXXX  XXXX XXXX  to open A dispute on an account that has A host of inaccuracies reported to the my credit report from XXXX  XXXX. I was sent A updated dispute saying the information was verfied. Under the FCRA they are required to look into my dispute in great detail and if that was done they would have seen the inaccuracies. I have attached A copy of the the way this company has reported absolutely no late payments to transunuon and XXXX and then A sudden charge off in XXXX of XXXX to both reporting agencies. It also states on my transunuon report the last activity was on XX/XX/XXXX, However I have attached the screenshot of the report that also show they reported the last activity on the account with XXXX  to be XX/XX/XXXX which is 3 months PRIOR to reporting this to transunion. This shows the inaccuracies reported across the three consumer reporting agencies. XXXX has absolutely No late payments reported also. The last payment date should be the same across the board, The date of charge off should be the same across the voard and it is not!! This shows the company has been reporting inaccurate information. Also I sent A letter requesting an early exclusion since this is an account from XXXX. The last payment date was in XXXX however they have reported DIFFERENT dates to all three reporting agencies. The last dispute should have required the company to VERIFY the last payment date. I am requesting A payment history report from the three consumer agencies. I am requesting this account be completely removed as they have reported inaccuracies and it is NOT my account to begin with. Should you decide to keep this inaccurate information reporting I am REQUESTING PROOF OF ALL FINDINGS THAT WOULD VERIFY THE INACCURACIES!!
Product: Mortgage

Claim Number # XXXX I am very pleased to receive a check after CFPB reached an agreement with Equity Accelerator Program which is associated with HSBC Bank. I have a mortgage loan with HSBC in XXXX along with other accounts, but the bank seems just ca n't offer me an easy access to my loan account online like the other accounts I have with them. then, three years ago, i filed complaint to my financial manger in XXXX XXXX and demand a more transparent loan account information showing how much i have paid and the balance of my loan account in daily basis ONLINE like the other accounts. as you see from the attached, the mortgage information is always un-accessible online. to get my mortgage info, i had to made a call and then was transferred to a remote unknown country to get my mortgage information!!! Even so, they are not helpful and have no concept what they are doing. To make a story short, finally i receive my loan info monthly through mail, but online information has never existed. it always experiencing an " ERROR ''. Last week, I made a call to mortgage center ( this time within the U.S ) to find out the exactly amount to pay off my mortgage. I was given a number, but after we did some calculations the numbers were off what we owe. I bought a house for {$200000.00} in XXXX in XXXX with 20 % down. then, in XXXX, i signed up a speedy seven years payoff program by paying bi-weekly with Equity Accelerator. I am not an expert of figuring out how much i have paid to the loan and the balance, but I was given the number of {$87000.00} to pay off the loan as XXXX/XXXX/XXXX. we are skeptical about the numbers and hoping CFPB as our watch dog to help us to fight and deal with giant bank like HSBC. thank you so much for listening.
Product: Credit reporting or other personal consumer reports

Premier card agency provided me with a letter that I submitted to all XXXX  credit reporting agency. This letter stated that I was removed from the card credit.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have listed on my credit report two accounts from XXXX XXXX. One of them was stetted in full with their authorized collection agency XXXX who stated that they inform XXXX but the account is still being reported incorrectly. XXXX is unable to find the second account, i was told that by their collection department since XXXX and that account is still being reported on the credit report even tough they are unable to find it so that I can resolve this matter. I also have been calling them since XXXX and wrote to them without success
Product: Credit card or prepaid card

Capital one has a quick silver credit card promotion-offer for all whom qualify for the card and spend {$500.00} in the first three months. 

The only terms are, get approved for the card and spend {$500.00} in the first 3 months and recieve a {$200.00} rewards credit. 

I spent over {$500.00} within the firdt 3 months and capital One only gave me {$150.00}. 

I called and filed a complaint # XXXX And it was reviewed on XX/XX/2021. 

I called to follow up on XX/XX/2021 at XXXX XXXX To the super isor of customer care XXXX ID XXXX women named XXXX XXXX told me I recieved {$150.00} credit instead of the advertised {$200.00} because " you did. Ot meet the criteria for the {$200.00} dollars. '' I asked her what criteria she was refering to and she responded by saying " our criteria is internal and we do not give that information to our customers '' She also refused to give me and documentation of my report and why I was denied the advertised promotion.
Product: Payday loan

I 'm receiving calls from a company who will not give me their name threatening to have my license suspended over a payday loan that I have no recollection of. They are also threatening to have warrants issued against me. Not only will they not tell me their company name, but they will not provide any documentation about the supposed loan.
Product: Credit reporting or other personal consumer reports

Experian Consumer Affairs has been notified previously that third party entity 's have been using my information for promotional use without my permission I have noticed that XXXX XXXX XXXX XXXX XXXX has filed inquiries that have no valid application supporting their use of my report I have tried to contact their legal offices XXXX  XXXX and representatives XXXX XXXX XXXX XXXX XXXXXXXX XXXX but there's a automated system and they just hang up.
Product: Debt collection

Out of the blue I started receiving calls from an unknown number, I called them To find out it is about a credit card debt. I have found out It is my elderly mothers card that I am on and is to be used for Emergency use only. OUR CARDS HAVE AN EXP. OF XXXX! 
My mom said there is No Way SHE has So much charged, We believe a family member got the card and caused this! 
NO ONE WILL TALK TO US AND PROVIDE A LIST OF WHERE THE CHARGES CAME FROM AND WHEN!! We are ALWAYS HUNG UP ON!, And ALL THE COLLECTOR SAYS IS I WANT PAID!, AND ALSO SAID THERE WAS ANOTHER CHARGE AS OF A XXXX DATE? BUT WILL NOT GIVE ANY INFO AND HOW CAN THAT BE WHEN OUR CARDS HAVE EXPIRED?? I NEED SOMEONE TO HELP GIVE ME ANSWERS TO HELP MY MOTHER GET THIS RESOLVED!!
Product: Credit card or prepaid card

Aspire Credit Card has an issue applying payments. Mailed a payment from my bank on a XXXX and payment wasn't applied until 15-20 days later. When call customer service is rude. Have been assessed late fees and had credit score affected by the delay of applying payments.

Www.aspire.com Card issues by XXXXXXXX XXXXXXXX XXXX XXXX  through XXXX This credit card is a disservice to anyone trying to rebuild their credit. What a disgrace.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following account in dispute is listed below : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. My current address is XXXX XXXX XXXX, XXXX, Oh, XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Debt collection

Jhpde finance placed an account on my credit report without notifying me about the account. I have tried numerous times to get information about this account and this company has refused to give me any information about the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 2 Late Payment With 2018 XXXX XXXX Account since Covid 19. 

no i do not have late payment but i still see a 2 late payment on history also made a late fees. 

and currently account is up to date
Product: Credit card or prepaid card

XXXX XX/XX/2019 I locked the card and announced that further charges are unauthorized. I called several times and contacted via web chat. I even cancelled one card and gotten a new one. I am still getting recurrent charged that I have announced as unauthorized. For now its up to XXXX dollars of those charges made after XXXX XXXX. The credit card company does nothing but sending me bills on the card I dont use. I told them that as soon as I am done paying I am closing an account. So now they keep posting recurrent charges as approved while they are not approved nor authorized, because I am telling that! 
I am tired dealing with this company ( Citibank ) and I want to resolve unauthorized charges and to close this account. Thanx
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting LVNV Funding LLC accounts opened XX/XX/XXXX and XX/XX/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. It also states a consumer reporting agency can not furnish an account without my written instructions. I was also notified that all my information was in a data breach with XXXX XXXX and XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against American Express regarding their unfair business practices and failure to address a dispute resolution issue. The details of the incident are as follows : XXXX. On XX/XX/2024, a client used their American Express card to pay for marketing services provided by my company. XXXX. Subsequently, the client mistakenly disputed the charges with American Express, citing an accidental dispute. XXXX. The client promptly contacted American Express to close the dispute cases with the following case numbers : - Case Number XXXX - Case Number XXXX - Case Number XXXX - Case Number XXXX The client requested multiple times to reverse the charges associated with these disputed transactions. XXXX. Despite the client 's efforts and requests, American Express has failed to fulfill the request to reverse the charges, leaving my processing service account in a negative balance. XXXX. This failure by American Express to address the dispute resolution in a timely and satisfactory manner has caused significant financial harm to my business. I request immediate intervention by the FTC to investigate this matter and ensure that American Express fulfills its obligations to handle dispute resolutions fairly and promptly. Specifically, I request to be contacted by American Express 's merchant services department to resolve this issue swiftly and to reverse the charges associated with the disputed transactions.
Product: Credit reporting

I am requesting an investigation on why Experian Credit Agency is reporting false information on the number of accounts late status and incorrect fico score. I only have XXXX open accounts, XXXX and XXXX. 
XXXX account is not being handle fairly and not according to my financial agreement I signed. Opensky Secured Card I am current with my payments. 
I am requesting resolution on having XXXX to change my score and account information fairly by applying United States of America financial laws to my financial reports.