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

Original Creditor XXXX XXXX XXXX XXXXXXXX, Account/Card # XXXX, Original Debtor : XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, Original Debtor : XXXX, XXXX XXXX, Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Original Debtor : XXXX, XXXX XXXX, These accounts have been purchased, and should reflect paid on credit report.

THE FAIR CREDIT REPORTING ACT 623.

Responsibilities of furnisher of information to consumer reporting agencies 68 ( 15 U.S.C. & 1681s-2 ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transaction or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Product: Credit reporting or other personal consumer reports

I was completely stunned when I saw incorrect accounts appear on my credit report this morning, and I have no idea why theyre there. Ive always checked my credit report without any issues, but now there are random mistakes. I tried refreshing my browser, hoping it was just a technical problem, but the inaccuracies stayed. Im feeling overwhelmed and need the documents Ive submitted to be reviewed carefully so I can stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week I tried to get my yearly credit report and was not able to get my report from transunion and XXXX. I answered all security questions and still no report called the number that was provided no help there
Product: Credit reporting

Experian reporting inaccurate information on my credit file. 
XXXX XXXX XXXX has been paid and closed since XXXX XXXX, XXXX. I have filed multiple disputes on this account and each time I file a dispute they update with more inaccurate dates and information. Experian is reporting that this account is just now paid for on XXXX XXXX, XXXX. This is creating negative marks on my credit file.
Product: Checking or savings account

am writing to file a complaint against XXXX XXXX XXXX XXXX regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I just pulled me XXXX bureau credit report for the first time in a long time and noticed there was a collection account reporting on my credit report that is not mine. The collection agencies name is XXXX. XXXX, XXXX. They are collecting on behalf of XXXX XXXX. I've reached out to their fraud department and the rep confirmed that my address is not matching up with the address where someone stole my information to obtain service at. I was told to obtain an ID Theft Police Report to have this negative permanently deleted from my XXXX bureau Credit report. 
Below is the collection agencies information that I would like to have permanently deleted from my XXXX XXXX Credit Report : XXXX XXXX XXXX XXXX - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and XXXX credit report. 

On XXXX XX/XX/2023 I notice unauthorized hard inquiries on my credit report, Id like them removed because I did not authorize the report to be pulled for any reason. 

XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX Ally Financial XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX
Product: Student loan

I have Direct federal student loans with EdFinancial and have run into several issues relating to the transfer of their loans to a new servicing system ( specifically relating to payment history and information on interest rates ). If I didnt work in the consumer advocate field, I probably would have thought that registering for a new account was a scam. It seems bizarre that Edfinancial can not migrate over its own information to their new system, and instead need users to register for entirely new accounts. I think this will be a huge issue for people when student loan repayment starts. 

Here is a timeline of events/description of issues : 1. I received an email on XX/XX/XXXX stating that effective XX/XX/XXXX, my loans would be moving to a new student loan servicing system and that two weeks after transfer begins, I would need to register for a new online account. 
1. Im pretty sure this email came after my account balance on their old system went to {$0.00}. It was very confusing to log into the old system and see " {$0.00} '' as my loan balance. 
2. Between that email and registering for my new account, at various times I was still able to log into my old EdFinancial account, which continued to show my loan balance at {$0.00}. 
3. On XX/XX/XXXX I registered for a new account. It appears that my loans have been transferred. However, there's no information about a loan that I paid off in XXXX. 
4. Concerningly, this new interface only shows the loan disbursements under " Account History '' and " Loan Details. '' It does not show any payment history. I have made many payments since XXXX that are not appearing on this new interface. 
5. The new interface also does not seem to show my loan interest rates- it just shows 0 % for every loan because of the payment pause. This is frustrating because I am in a position to make payments during the payment pause, and want to apply those payments to the higher interest loans. I also need this information in order to apply for loan repayment assistance with my XXXX school. 

EdFinancial needs to make loan payment history available on their new interface, as well as include information about the normal loan interest rates. Consumers should not have to make individual requests for basic information about their accounts. I need this information to make payments on my account and apply for loan repayment assistance.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit card or prepaid card

I called Citi Bank XX/XX/2018. My request was that they please keep the interest rate where it is now, as I can not keep paying the minimum payments while the Interest rate keeps increasing. The account was closed ( myself ), and I have been making the minimum payments and never have been late. 

They refused to either keep the Interest rate where it is now, or take lower ( reasonable ) monthly payments. 

I informed them that if they don't work with me the minimum payments will be too much. I have offered them {$80.00} per month and please keep the Interest rate where it is. 

This is my obligation and I do want to pay it. I am not looking for a way out, it is my responsibility. Just please, work with me with in this matter. 

The response was this : They can not help UNTIL I make a payment that is LESS than the minimum due. At that point, it may be determined that there are financial difficulties. Why do I have to go to that extreme in order to receive help and cooperation? 

Would Citi Bank please, please be reasonable? 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain my credit. It is my understanding that you will investigate these accounts for me to ensure accuracy. Listed are the accounts I am asking you to verify as accurate : I would like a thorough investigation ensuring that the accounts are accurate and identical across all three credit reporting agencies. If unable to verify accurate information, please remove from my credit report promptly. Please respond back in a timely manner. 

XXXX Account XXXX XXXX XXXX XXXX XXXX 
Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom it may concern, My name is " XXXX XXXX '', I'm writing request inaccurate items in my credit report need to be removed. According to the Fair Credit Reporting Act, I expect you to complete this verification withins 30 days. 
" Name reported '' _ XXXX XXXX XXXX  Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
**Student loans** _XXXX XXXX XXXX Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
**Student loans** _ XXXX XXXX XXXX  Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.

**Credit Card** _XXXX XXXX XXXX Opened Date XX/XX/XXXX How there can be XXXX $ monthly payment in a closed account. There are high balance of {$1000.00} when the Amount past due is {$360.00}. This account need to be removed immediately, there is no need to reinvestigate. 
**Credit Card** _XXXX XXXX Opened Date XX/XX/XXXX I never have any financial obligation with this company. Please delete it!!!! 
**Credit Card** XXXX XXXX Opened Date XX/XX/XXXX how there can be $ XXXX  monthly payment in a collection charge off account. This account need to be removed immediately. There is no need to reinvestigate!!! 
**Credit card** XXXX XXXX  XXXX Opened Date XX/XX/XXXX How there can be $ XXXX  monthly payment in a charge off account. The account balance is XXXX $ when the amount past due is XXXX . Delete it immediately!!! 
**Credit card** XXXX XXXX Opened Date XXXX XXXX, XXXX This charge off account is not mine. Someone intended to put them in my credit report in order to make me pay for something I don't own. In addition, The amount past due is XXXX $ and the account balance is {$770.00}. DELETE IT IMMEDIATELY!!! 
**Student loans** US DEPT OF ED/XXXX Opened Date XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
**Student loans** US DEPT . OF EDUCATIO Opened Date XX/XX/XXXX This account is not belong to me. I have never receipted any mailed disclosure and early notice before this is listed on my credit report. Please provide payment agree and full documentation about this account or you must delete it in time frame of 30 days.
Product: Prepaid card

I am on XXXX my benefits get loaded to a Direct Express debit card on the XXXX and XXXX of the month. Monday morning I had a notification email that said my card was canceled and I had zero money. I called the escalation department they informed me that everybody was getting new debit cards from Direct Express and they would arrive maybe in 5 to 10 days and my money is on the new card. Leaving me with zero money. Denying me access to my money. I have zero money no gas my phone 's going to be shut off I can't pay my bills that are due on the XXXX. I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  high risk for XXXX XXXX and XXXX and my XXXX XXXX has been very high since this problem happened on Monday XX/XX/XXXX. XX/XX/XXXX I checked my mail no card. Direct Express has a bad habit of blocking you from your money for no reason they did it last summer and what I was told is that person got fired but they have done it many times they mess with your money they block your money. They are very corrupt and underhanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2023, XXXX increased my credit card limit from $ XXXX to $ XXXX. I did not ask them to do this nor give permission. When I got notice of this, I called and asked the limit to be reduced and formally complained via the bank 's complaint system. On or about XX/XX/2023, the limit was reduced from $ XXXX to $ XXXX. Subsequent to this reduction, my credit score reported by Experion and other similar agencies and reported by XXXXe DECREASED because my credit limit was reduced. When I received notice about the credit score decrease, which was the result of XXXX correcting its unilateral and unrequested decision to increase my limit unbeknownst to me and without my request or approval, I filed a second complaint with XXXX. They have done nothing regarding either complaint. 

My XXXX XXXX is now down XXXX points as a result of XXXX taking action without my request or approval and subsequently correcting it at my request. XXXX simply wanted me to charge more with their credit card so unilaterally increased my limit. I do not want a high credit card limit as I see it as a fraud/cybersecurity risk. If I wanted more limit, I would have requested it. 

I am retired and seeing a credit score decrease can be catastrophic. All due to the pursuit by XXXX of more credit card volume without having a conversation with me, their client.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit bureau and all they did was to reach out to the lender to verify the payment history. Not sure what is the purpose of a dispute if I present my evidence and it doesnt get taken into consideration. Basically why did you ask me to provide support if your not even going to use it to figure out my case. 
I feel that this system is rigged from the beginning and the consumer doesnt have a chance to win anything that they are disputing.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$110.00}
Product: Money transfer, virtual currency, or money service

Around XX/XX/XXXX I applied for a secured credit card by Capital one, however I was denied and wasn't charged. However today, XXXX XXXX 2022 they charged me {$200.00} for the card I was denied for and are saying they can't help me
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX Mohela added seven new loans to my credit report. They are now stating that I had six missed payments in XX/XX/XXXX when I have not had a missed payment ever. They even provided a statement on my credit report that customer disputes this information. They are claiming that I made a late payment in XXXX for a loan that was closed in XXXX, XXXX, XXXX then on top of that Mohela has listed a second time claiming that the very same payments were all made late in XXXX. The company is completely inept, I cant even upload my documentation to prove my income and they refused to correct the records
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a copy of my credit report since last week and nothing. I cant get it through https : //www.annualcreditreport.com/ nor TransUnion website, I have also called their customer service number and no one seems to be able to assist me.
Product: Checking or savings account

On Sunday XX/XX/2021 i deposited 2 checks totaling {$1800.00} into Bank of America from my checking account at XXXX XXXX, both accounts are local branches. 
The money as been taken out of my XXXX account, but BOA is holding my money until Friday which amounts to 5 business day. 
This is not money being deposited from an out of State bank this is local, for the bank to have access to my money for that amount of time is windfall for the bank. 
There are Billions of dollars being transacted on a daily bases which adds up to hundreds of millions of dollars that the banks get free interest on and if I as a consumer write a check on my deposit before the 5 days the check bounces and the bank gets overdraft fees as well as the interest of holding my money for 5 business day.. 
I went into the branch to ask why they were holding my money for 5 business day they couldn't answer me and stated that the branch did not have the authority to override it, I call BOA XXXX number to no avail.. 
This should not be permitted and something should be done about this banking practice!!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect personal name, address, phone number and employment information on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the account for this XXXX credit card in full on XX/XX/XXXX. The XXXX statement showed a balance of {$2300.00} with a minimum payment of {$4.00} by XX/XX/XXXX. I paid {$2300.00} on XX/XX/XXXX and {$4.00} on XX/XX/XXXX as shown on the statement. I never received any notification that there was a pending amount for any interest. Why are they charging any interest if there were no transactions? There were no minimum payments due on the following statements until XXXX of which I was never notified. I spoke to XXXX in customer service who indicated the alerts were turned off on the account and that no one had tried to contact me. I did not receive any e-mails or statements to indicate I owed anything until a letter on XX/XX/XXXX which stated I owed {$11.00} ( I dont know what for ) but I immediately called USAA and paid and was assured the balance was zero. I check again on XX/XX/XXXX and it shows that I owe a balance of XXXX cents for who knows what since the account was paid-off and which I can not pay on-line. I again call and spoke to customer service and the charge was removed. However, USAA  has reported me to all three credit bureaus as being late. I was a faithful customer and never paid late. It was their fault for not sending me any notification and truthfully, what are they charging me if I paid the account in full, this is a scam against veterans trying to collect interest. I was trying to refinance my home and get a VA loan, but because of this account was denied as my credit score has dropped dramatically. I work very hard to ensure my credit rating is excellent. I pay all my credit cards on time which you can check, and I have never paid this card late. I want my consumer report fixed as this was not my fault but the negligence of USSA for not alerting the customer of these bogus interest fee charges.
Product: Vehicle loan or lease

Please be advised that attempts to return the vehicle to XXXX XXXX, where it was original leased from, were made on XXXX XXXX, XXXX ( the due date ), and again on XXXX XXXX, XXXX, and each time Toyota refused to accept delivery of the vehicle. On XXXX XXXX, XXXX, we went to Toyota to return the vehicle, as per the Toyota employee 's instructions. XXXX XXXX refused delivery and told us that the leasee must be present at the time of delivery to sign certain documents for the dealership to accept delivery of the vehicle. We told him that Toyota representative was advised leasee was out of the country ( days before the due date ) and she confirmed that the leasee did not need to be present when the vehicle was being returned because the leasee was not interested in purchasing the vehicle. XXXX response was ( she ) does not have the authority to make such decisions therefore it was irrelevant and we were told Toyota could not accept delivery at that time. On XXXX XXXX, XXXX, we contacted Toyota to advise that there was an executed a Power of Attorney authorizing her agent to sign the forms and return the vehicle on her behalf. On XXXX XXXX, XXXX, I went to Toyota with the original Power of Attorney to deliver the vehicle, as per XXXX instructions. I spoke with XXXX and advised that I had Power of Attorney and was legally authorized to sign whatever forms to return the vehicle. XXXX refused to look at the Power of Attorney, and further stated that Toyota was not legally obligated to take back the vehicle at their dealership and his boss was the person who would decides if they will take the vehicle back. I asked what the alternative was, XXXX refused to provide any assistance. Furthermore, XXXX stated that because I had an attitude he wasnt obligated to help me. I asked him for the telephone number of the dealerships legal department so that I can fax a copy of the Power of Attorney for their review and approval and he refused, reiterating that his boss was the person who needed to make the decision. I advised that I would like to have my attorney contact his boss to confirm my legal authority to act on behalf of my mother, he said that I was threatening him with lawyers and didnt like my attitude and proceeded asked me to leave the premises. Upon being asked to leave the premises I contacted the bank, XXXX, to ask for assistance returning the vehicle. XXXX in the XXXX XXXX Department advised that although the lease agreement between Toyota and the Leasee may not specify the exact place that the vehicle is to be returned at the end of the lease, the agreement between Toyota and XXXX does state that Toyota is contractually obligated to accept delivery of the vehicle at the end of the lease term. To date, I still have possession of the car, it is overdue, and the bank has had to intervene on my behalf to get them to fulfill their contractual obligation to myself and the bank, XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX {$3100.00}, XXXX XXXX {$660.00}, XXXXXXXX XXXX {$720.00}, XXXX XXXX {$970.00}, XXXX {$10000.00}