23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

We were out of town for my grand baby funeral about a week later.I turn on my answer machine.I heard a message from Citi Sears Shop Your Way Master Card they stating that my card was used possible fraud Charges. I called them back to let them know it wasn't me and I didn't authorize nobody to use my card.The balance is {$1000.00}. I kept calling them to reopen the claim they gave me a fax number.I faxed them twice I still didn't hear nothin from them.I called Citi Sears Shop Your Way Master Card yesterday XX/XX/XXXX to ask her what date this all took place on she said she didn't see a date to give me. I would say some where around XX/XX/XXXX.I made a payment XX/XX/XXXX for {$28.00} I made another payment in XX/XX/XXXX for {$34.00} I couldn't understand why the payment went up.She told me the case is still being processed, I said why I am paying on fraud charges that's not process yet she said Iam not surppose to be paying nothing. I get a bill every month with fraud charges on it, the bill never been adjusted.and nobody letting me know what's going on.I had a XXXX  balance before all of this happen.Thanks in advance.
Product: Credit reporting or other personal consumer reports

I am trying to buy a home. I checked my credit I have XXXX unauthorized inquiries. I have sent three request letters since XXXX of 2023 and all inquiries are still appearing with no resolution.
Product: Credit reporting or other personal consumer reports

I have 2 Fraudulent inquiries on my credit report it is the following listed below XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are the 2 fraudulent inquiries that are on my credit report and the XXXX XXXX inquiry also has a fraudlent account on my report and i demand that it be removed as part of the fair credit reporting act you cant report fraudulant data so it needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out to all 3 CRA 's and they have violated me yet again. I have old address and information that does NOT belong on my report. I t is to be removed NOW or I will be filling out a fruad report with the FRCA, Inspector General of the US as well as a police report for identity theft. Any name that is NOT XXXX XXXX XXXX and any address that is NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX MUST be removed from ALL of my reports.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.

Who is going to govern these agencies?

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX XXXX  - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 ) ( 1 ) 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 data is inaccurate.
Product: Debt collection

I have received several harrassing phone calls from National Credit Adjusters on behalf of balance credit and the people I spoke to were extremely rude. I requested for them to send me a letter via mail or email to verify the account or amount of money, with complete breakdown of the loan balance amount. They refused to do so stating they 've done so in the past and will no longer send me anything to verify the debt. The person I spoke with tried to coerce me into a payment or payment arrangement of a loan that has not been verified.
Product: Checking or savings account

This is complaint number 2 about the same issue and how they handled it. BBVA Compass bank reorders transactions to charge multiple fees on one overdraft. I was charged FIVE overdraft fees for one legitimate overdraft and I have screenshots of the original order because I suspected this would happen. The rest were pending transactions where the money had already been removed from the account and therefore not an overdraft. I am so absolutely disgusted with this bank they need to be investigated and closed. I now can not even afford to buy food once again thanks to their business practices. Customer service 's only response is the " fees are valid '' no matter who you talk to. They are trained to NEVER refund fees according to ex employees. Last time they did this I filed a complaint and the fees were reversed, this time they stalled the investigation process for 60 days and they're once again telling me the fees are valid even with the CFPB complaint and the previous fees were refunded as a " courtesy ''. A courtesy for stealing your customers money to begin with??? Why is this bank still allowed to do this when all the others were forced to stop? It's a trick every bank used to use. Please stop them!
Product: Payday loan, title loan, or personal loan

I honestly feel I am being discriminated against to getting any type of loan. How am I to build my credit score ( as they say they would with individuals with less than perfect credit ) when I can not be approved? I feel as my name and me being a minority I am constantly denied.
Product: Debt collection

I am writing regarding this fraudulent company threatening and harassing me regarding an amount owed for the XXXX XXXX XXXX XXXX XXXX XXXX   for a property I have never owned and do not reside in. I have no ownership or responsibility to this property and I am demanding this business cease and desist further communication, delete my information from their database and correct all erroneous reporting with any credit bureau or agency that your business have provided FALSE information regarding me immediately. 

This is not my debt and I am very frustrated with your shady business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 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 I'm 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 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX has been separately been sent an affidavit of truth in regards to their credit notice ( s ), and should NOT be listed at all on my report. SEE ATTACHED DOCUMENTS FOR DETAILS
Product: Credit reporting

Regarding : XXXX XXXX Consumer Line of Credit ( Acct. No. XXXX ) Equifax is incorrectly and inconsistently reporting the XXXX XXXX payment for the above-mentioned account. 
The payment for XXXX XXXX is reported as follows : Paid and Late & gt ; 30 days and Current and Opened in XXXX XXXX and Opened in XXXX XXXX. 
An investigation was initiated in XXXX XXXX, by me, to correct this information ; however, Equifax did not update and correct the report. 
Their investigation was incomplete and they researched the current balance, rather than the payment status. 
The account should be reported as paid in XXXX XXXX, opened in XXXX XXXX and current. 
I have requested that Equifax delete the XXXX XXXX payment information, in a written requested dated today, XXXX XXXX, XXXX.
Product: Debt collection

On XXXX XXXX, {$510.00} was held by my bank. Upon calling, I was told it was in regards to a legal matter. I was given a phone number to Results Unlimited regarding a debt that I was unaware of. I asked how and when they notified me about this. SHe told me she did n't have the file in front of her and did n't know. She asked how I wanted to pay and that my options were a credit card or they 'd keep the funds currently being held. ( which seems illegal to me ) I woke up with NO CLUE why money of mine was being held. Out of fear, I paid with a credit card over the phone and was told I 'd receive a letter and the hold would be removed by my bank. 
Today I discovered, after calling my credit card company, that Results unlimited took a cash advance from my credit cared and I was charged another {$19.00} dollars. I was NEVER told it would be a cash advance. I 've tried calling and it just rings and rings. My credit card instructed me to call them, as they could not refund the charge. 
This has been awful. All 10 days before XXXX. There has been NO communication.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit card or prepaid card

Good morning, On XX/XX/XXXX there were charges on my mobile USAA XXXX XXXX XXXX. I Called USAA 's customer service and told them these are not my charges and I have my credit card in my hand. on XXXX I was called by a USAA rep and was told the charges will stay on my account and interest charges as well and the charges were not found fraudulent as my credit card was in my possession. I did not make these charges I told them but she stated the investigation was complete and wished me a well. 
XXXX  {$230.00} XXXX {$100.00} XXXX XXXX {$4.00} XXXX XXXX  {$270.00} XXXX XXXX {$42.00} Any help will be greatly appreciated. Thank you so much.
Product: Prepaid card

On XX/XX/year> I purchased XXXX XXXX gift cards from XXXX. All cards were loaded with {$500.00}. To date, XXXX of them decline my attempts to make purchases. On XX/XX/XXXX all XXXX cards declined my purchase attempts. When I call the company the representatives are not helpful. They're also difficult to understand.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX and inaccurate information on my credit reports with XXXX and XXXX in XXXX amount of XXXX After months of begging them to validate the debt by providing copies of anything baring my signature they have refused. I have been repeatedly disputing this item on my credit reports and I also filed a complaint against the credit bureaus for not completing an accurate and proper investigation as they continue to report this false collection on my reports. I have provided them with my information and copies of the mail and emails from the original creditor and they all refuse to refrain from violating my rights. Also there are two inaccurate accounts reporting on my credit report with XXXX and XXXX from Wells Fargo Home and Wells Fargo Auto. The dates are inaccurate I was never late and I paid my car off in full owing nothing to the bank. I asked both bureaus to investigate and they electronic submit my dispute and report it is verified after I have asked them multiple times for proof. Wells Fargo Home has inaccurate information reporting that I have late payments no proof of this has been received and they continue to falsely report the wrong dates on my report the age of credit is incorrect and the amounts. I disputed all three inaccurate accounts again XX/XX/year> and filed a complaint with the bureaus that does nothing at all.
Product: Credit card

I made a purchase of {$5.00} on XX/XX/XXXX. I received a statement on XX/XX/XXXX but forgot to make a payment. Huntington National Bank doubled my balance to {$10.00}, but are claiming it is not a fee. The additional {$5.00} does not show up anywhere as a transaction - late fee, interest, etc. on my transaction history. I did not receive a statement for the months of XXXX or XXXX, even though there was a balance on the account. I made another {$5.00} purchase on this account on XX/XX/XXXX. When I logged into my account to make a payment, my balance showed as {$16.00} - the original purchase from XX/XX/XXXX, the phantom charge that was " not a late fee '' of {$5.00}, my purchase on XX/XX/XXXX, and {$1.00} interest charge. The representative I spoke with stated that since I missed the payment, my new minimum payment became {$10.00}, but that the additional {$5.00} was not a late fee, therefore it didn't show up as a transaction. She also stated that since no additional purchases were made, no statements were issued for XXXX or XXXX. The two issues I see are : 1 ) The bank charged a fee to my account in the amount of {$5.00} that is not reflected anywhere as a transaction.

2 ) No statements were issued for XXXX and XXXX, even though there was a balance on the account.
Product: Student loan

I XXXX for the XXXX XXXX XXXX mid XX/XX/XXXX, signing up for a total of almost 30 weeks of training spanning from XX/XX/XXXX to XX/XX/XXXX. Prior of leaving I contacted my student loan company XXXX for SCRA benefits and deferment of payment while on orders. When I contacted them they told me I was ineligible for the benefits due to me not in a " XXXX or XXXX XXXX ''. This is the first I have heard of this in my conversation with numerous other people who use this while in training. The only assistance I was offered was to reduce my payments to a smaller amount. I understand my payments of about {$100.00} reduced to {$61.00} is not much but I have been paying on them since than with no assistance. I was making a tiny amount while at training with other bills to pay at home that I needed ever cent I could save to make it through training financially. What frustrates me is the reduction of what I owed monthly was from me providing my income not military orders. They did not assist me an any way helpful.
Product: Credit card

My daughter had a XXXX visit in 2023, and paid my co pay with credit card. Unbeknownst to me at the time, the receptionist accidentally ran my card and paid someone elses bill in the amount of {$550.00}. I contacted the credit card company and they refused to assist in anyway to reverse fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I kept getting sent from automated voice message to automated voice message without direction or opportunity to speak to a person or to even address my issue My Capitolone account was paid off XX/XX/2018 and is in good standing but XXXX has a delinquent balance showing It needs corrected They continue to send balance increase offers & card upgrade offers but the incorrect information remains
Product: Debt collection

I purchased XXXX XXXX dirt bikes using the XXXX credit card a line of credit provided by XXXX. I got behind on payments and XXXX sold the credit card debt to a third party debt collector. I was contacted by XXXX XXXX XX/XX/XXXX stating she was with North American Asset Services and was collecting on the XXXX debt I owed. She stated the dirt bikes I purchased would be seized unless we could settle the debt. She stated that if I could pay a total of {$2700.00} which needed to be wired she would send the titles to me for the dirt bikes. I wired {$2500.00} on XX/XX/XXXX and the remaining {$200.00} XX/XX/XXXX only to find out that they did not hold the titles for the dirt bikes as they were still showing the lien holder as XXXX ( found out later ). I then realized that not only was the debt not settled but American Asset Services sold the debt to another debt collection agency XXXX XXXX who then started trying to collect for the same debt. I did not agree with the debt XXXX was trying to collect, XXXX filed a judgement against me which I then thought Bankruptcy was the only way out. I filed chapter XXXX bankruptcy which was converted to a chapter XXXX in XX/XX/XXXX. I feel like this was handled very wrong by XXXX who sold my debt to a third party debt collection company but has never released the liens on the bikes to these companies. Then I was lied to by the third party debt collector XXXX XXXX XXXX XXXX stating they would release the liens if I paid when in fact they did not hold the liens. XXXX has since sold the XXXX accounts to XXXX XXXX who has no records therefore I am unable to dispose of or get rid of these dirt bikes or even come to any type of settlement with them to release the liens.
Product: Credit card or prepaid card

I was alerted to over a dozen fraudulent charges made through XXXX via my Chase card, showing me traveling all over XXXX XXXX  XXXX from XX/XX/XXXX to XX/XX/XXXX in 2020, while I was home the entire time. Originally, Chase reversed the charges. Then, XX/XX/XXXX20 they informed me that the majority of the charges were NOT being reversed, because I " received benefit. '' This is simply not true. I'm attaching the list of charges. The wild thing is this does not match my account or travel history AT ALL. I'm also perplexed because they reversed a FEW of the charges, but not all. I think this must be computer error. 

And furthermore, if chase actually consulted with XXXX  adequately, they have driver cams! Check the cams! There is no way I was in the car!! 

I really need your help and the CFPB is my last hope. I'm sure a computer " addressed '' my concern before, and it did not do so fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALREADY REMOVED THROUGH XXXX XX/XX/2022 XXXX Unauthorized hard inquiries from the following institutions : XX/XX/2022 XXXX XXXX XXXX XXXX, XX/XX/2022 XXXX XXXX, XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/2022 XXXXXXXX XXXX XXXX  via XXXX XXXX XXXX Also fighting an ongoing identity theft case in California/Michigan for the past XXXX years XXXX This has been reported to the FTC, IRS, California XXXX, Michigan XXXX and am in process of pursuing action with the FBI as this is quite possibly a case of organized crime and identity theft. I will also be looking into the Equifax and XXXX XXXX breaches from the late twenty-teens and early twenty-twenties in order to figure out the source of the breach and pursue further legal/civil action.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024 a payoff check in the amount of {$4600.00} was mailed to Prosper. It took until XX/XX/2024 for them to acknowledge receipt of the payoff and apply it to the loan which resulted in an overpayment of {$360.00}. I have made multiple requests for the refund and was advised that I would receive it directly deposited into my account by XX/XX/2024. I spoke with them again today and they are now saying that it will take an additional 1-4 days for me to receive the refund. This is unacceptable.