23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a Quicksilver MasterCard issued by Capital One. I started to make my monthly payments as usual, but it got to the point were the payments were too high for me to handle. The credit card payments became an issue. It all led to them sending me to collection, even though I contacted them many times to resolve the issue. Now, the credit card shows a derogatory on my credit report. I did many follow-up calls, to see if this issue could be handle. This lead to nothing, and no one that could have a response for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed for my son to get a vehicle loan and was very specific with the dealer to not run my credit more than once and it was shopped round to multiple dealers without my consent. 

According to the fair Credit Reporting Act Everything has to be 100 % inaccurate on my credit report They also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions. 


They also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX account Account XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I looked at my XXXX Credit Report on XX/XX/year> and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXXC 1681 ( e ) ( b ) According to 15 USC 1681i they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information In general, after any reinvestigation under investigation under paragraph ( 1 ) of any information disputed.
Product: Credit reporting or other personal consumer reports

I have tried to open an checking account at the XXXX XXXX seeing that I can open an savings account with them. They refuse due to the inquires on my XXXX XXXX file. I have been fighting XXXX XXXX to get my report and score to due disputes and see whats there and it took 6 months to finally get to sign in and now i cant see nothing on my report and notable to use the tools on their website. also finally recieved my report from XXXX XXXX and no report is found from any banks nor credit unions. On the other hand I have a ton of inquiries from trying to open an check account. Not being able to obtain one for the score they are reporting due to the inquiries is the problem, I have disputed the inquiries but they state they dont report a score and the inquiries should not be a problem. I tried contacting XXXX and they state they cant supply an answer for why they wont open the checking account and to contact XXXX XXXX. it is a burden to me and not getting no resultion.
Product: Debt collection

IC systems is collecting a debt for XXXX. The debt was put on my XXXX  credit report and I don't owe XXXX  anything. When I called IC systems I was told to contact XXXX. When I contacted XXXX  I was told that systems changed in 2015 and they dont know what the debt is for. If a company is unable to provide documentation as to why a debt is owed it should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

During 2017, i was XXXX and and my mail and credit data was stolen. I reached out to XXXX and police reports. The account # XXXX ending in XXXX was not removed from XXXX and Equifax and was removed from XXXX. After nearly 3 years of trying to remove this single item from my reports I contacted XXXX and informed them i didtnt open this account and suspected it to be my ex wife or someone with access to my account or info. I paid the balance hoping this would resolve the issue. XXXX is reporting that they never recieved payment and have listed late payments and degratory info to the credit reporting which is 100 false. They have not provided that is was fraud and even further I assisted in tryign to pay the settle balance of the account.
Product: Credit reporting or other personal consumer reports

These XXXX illegal collections are fraudulent and they need to be removed off my report. These XXXX accounts are illegal and I've finally hired a credit specialist to remove these fraudulent items. Please remove these items off my credit report! These XXXX illegal accounts were all opened in succession over XXXX XXXX years ago without my knowledge. im asking you guys to please remove these illegal accounts off my credit report so that I can go forward in life. Please remove these! 

XXXX  XXXX XXXX {$13.00} Date Opened XX/XX/year> XXXX XXXX XXXX  XXXX {$150.00} Date Opened XX/XX/year> Green Dot Bank {$57.00} Date Opened XX/XX/year> XXXX
Product: Prepaid card

My act was compromised in XX/XX/XXXX due to a lack of the bank protecting there customers and frezzing my act left me with no outlet not even money to feed my self I was literally going hungry and had no gas to get to work no way to pay my bills and not even money for the medication I so desperately need at that time i had gotten vary sick and left with no answers all I could do was fight and fight to try to get my money back from the bank I fight till XX/XX/XXXXXXXX XXXX XXXX  and finely had the bank pay me back. after years of stress and standing up for my self and fighting for what was rightfully mine it's sad that I had to fight for so long. I don't have words for it. and the stress and the impact that stress. had on my health. it was a lot and took a big impact on me now I got to fight to get the bank to make up for all this. that this has put me through the time I spent hrs. over looo hrs fighting as well as checking in on the progress of my claim some days I spent 8 plus hrs on the phone just to get distonected some days I get up at 4 in the morning and call in just a hope that I reach a live person that day. and be pushed to do so by the filling of being hungry. and not knowing what else to do and this had gone on for three years I believe that the bank should be held accountable for this and my hrs that I spent on the phone should had been at work not fighting on the phone with the bank. and one whould think that the bank try to do something to make up for all the unessary stress. they had put someone thru especially for 4 years I can tell u it was extremely stressful and liveing with XXXX the stress did nut help by any means was it good on my health I fill that the bank need to be accountable for there actions and make up for what this has cost me and the many many hrs of workn i missed do to trying to resolve this matter I try to reach out to the bank on this matter several times now and filling out this complaints seem to be the only way of getting any thing to u on this matter
Product: Credit reporting or other personal consumer reports

Transunion Consumer Solutions, has violated, my consumer rights by reporting a fraudulent account ( XXXX XXXX XXXXXXXX XXXX ) under the credit file that they maintain under my social security number. Each credit reporting agency has been supplied the FTC statement verifying the account reporting are not authorized by me. TransUnion Consumer Solutions agency has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. At this time the account with XXXX XXXX XXXXXXXX XXXX  continues to reflect on my credit file. I will be sending a notice of intent to sue regarding this account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023. I received a notification via the XXXX app stating that my credit report was obtained. I am very upset, because I have been working on improving my credit score. These inquiries are going to have a HUGE NEGATIVE impact on my credit score. You need to fix this immediately or i will seek legal assistance. I need these companies to tell me why they ran hard inquiries on my credit. I did not give these companies the authorization to run my credit. Who gave you the authorization to run my credit? Please provide me with the documents proving you had my authorization to run my credit
Product: Money transfer, virtual currency, or money service

I was contacting this woman for a number of days about a house rental listing to which she said she needed fees for such as are listed in the Venmo transfers clearly, first it was an application fee which was paid than she said she needed a fee for paperwork her attorney would fill out and than the last of the documents they were drafting up for me to sign, I have never received to documents and I have refused to pay her more. This entire transfer of messages she said I would be refunded for everything if I didnt like the house XXXX not only did I not receive to paperwork as to all the fees I paid for such, I also decided not to go with the house and never had any binding contract other than the fact such is what I was paying for. So I go scammed for not getting my money refunded as promised multiple times across texts which I have, as well as not even receiving the documents I paid for before I decided to ask for a refund, I got scammed multiple times by this persons through fake application fees, a fake cover letter and payments. To the total of XXXX dollars between XX/XX/XXXX and XXXX Ive contacted my bank and Venmo to which no such luck in reobtaining my scammed money and no repercussions on the fraud of the person
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed late payments that are showing on my Navient account at XXXX. I have late payments from XXXX, XXXX and XXXX. I informed them that payments are not late and are not required due to Federal Gov't Covid policy, payments are still not due until later this year XXXX. XXXX stated that they researched and kept the information as being correct, and added a remark " Dispute resolved, customer disagrees ''.
Product: Credit reporting or other personal consumer reports

I've written to these companies before regarding this matter. They are reporting inaccurate information on my consumer report, and they refused to remove/delete names and addresses on my consumer report. That doesn't match my name and address on my driver 's license showing my exact name and address. This is the only name and address format I want showing on my consumer report every other name and address that's not the name and address on my driver 's license is not my name and address delete them immediately. There should only be one name and one address. Furthermore, you are furnishing outdated and irrelevant names and addresses. On the premises that the consumer report is supposed to be accurate and relevant, 15 USC 1681 B speaks about the relevancy of information on a consumer report and the obligation you have to report accurate information and you are reporting inaccurate, irreverent, and outdated information on my consumer report you have single-handedly caused damage to my reputation, my character, and my mode of living. This information needs to be immediately removed/deleted and properly updated. 

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Checking or savings account

An online checking account was opened with TDbank using my social security number.
Product: Debt collection

I have been dealing with XXXX XXXX for a few years on a debt that was not mine. I have mailed them certified letters, I have advised them to cease calling me, I have even tried to pay the debt to get it off of my credit report just to end the calls. I have also noted that they change the date of the debt to keep it current on your credit report to dodge the FDCPA protections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified by a potential housing development that I was denied due satisfactory credit history from Equifax. Additionally, on XX/XX/XXXX a lender I've currently been working with since XX/XX/XXXX denied my loan for the same reason. This prompted me to call Equifax on XX/XX/XXXX to get clarification. The first call on XX/XX/XXXX lasted for 1 hour and 44 minutes, with supervisor XXXX  XXXX, stating she removed a credit freeze from my account, although I had not placed one my account. I was told my file would be available within one hour. On XX/XX/XXXX, I contacted the lender, however was told the same were unable to pull my credit report. Contacted Equifax at XXXX XXXX  XXXX spent another 54 minutes on the phone with the representative who said they corrected the issue and my report would be available immediately. Once again this problem was not fixed. Contacted Equifax again on XX/XX/XXXX at XXXX this time speaking with XXXX who informed me the reason for the problem was that my date of birth was incorrect still. I've filed two previous claims in XXXX with the CFPB which addressed incorrect date of birth. I've have previously uploaded a copy of my drivers license via their online portal on myequifax, sent a physical copy of both my license and social security card to the address in GA and faxed a copies as well. Upon logging into myequifax.com it has now been discovered that my XXXX XXXX XXXX son 's social security number is listed as mine. XXXX and I discussed this matter yesterday as her system does not show my son 's SS number but mine just with the incorrect date of birth. So Equifax 's systems aren't matching. I have faxed yet again another copy of my correct date of birth and social security card. However Equifax can not explain how this information was updated or where the information was reported from. I was included in their XXXX data breech and was offered a free credit monitoring service, yet was not informed that my date of birth and social security number changed. Also, they are still reporting the incorrect collection account from XXXX XXXX after i've provided proof of the correct date and bankruptcy documentation. Case number 's XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

this creditors below did not have permissible purpose or my written permission to authorize this inquiry 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 XXXXXXXX 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 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: Vehicle loan or lease

By this means I request to be removed some accounts that are getting confused in my credit reports, I have never lived in the United States and in spite of the efforts I have made since XX/XX/2018 have not yet been removed. The accounts of XXXX / XXXX  # XXXX and XXXX # XXXX confused in my report are reporting recent backlogs which make it impossible and this is affecting my credit. 

I request the removal of variations of names mixed in my reports such as XXXX XXXX XXXX, addresses of the United States and Jobs that do not belong to me XXXX XXXX XXXX There are some positive accounts as they do not belong to me and they are still reprinting in my reports that I request 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 I request to be corrected and do not confuse again information of other people in my credit.
Product: Money transfer, virtual currency, or money service

I am filing a claim against Cash app ( Block , inc . ) due to inadequate customer service and unfair practices, which violated consumer financial protection act ( cfpa ). Specifically, cash app failed failed to take timely and effective measures to prevent an address fraud on their platform, read my account on protective and vulnerable. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss. I seek redress XXXX violations.
Product: Credit card or prepaid card

I made an automated payment to my credit card company on XX/XX/2019 for {$300.00}. When I checked my checking account balance on XX/XX/19 I noticed that they had taken my payment twice. When I called them they argued with me and told me that I called at XXXX XXXX   and made a payment and again at XXXX XXXX and made another payment for the same exact amount. I did not make 2 payments that is ridiculous. 

They told me that they could reverse the payment but it would take 10 days. It only took them a minute to charge me twice, why would it take 10 days to reverse the fraudulent payment. 

I will not use this credit card again!!
Product: Mortgage

My husband and I refinanced our loan with Caliber Home Loans Inc and our transaction recorded on XX/XX/XXXX. The escrow company overpaid {$3700.00} to Caliber Home Loans Inc. The funds were sent via wire transfer. I contacted Caliber Home Loans Inc. on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Caliber Home Loans Inc stated on XX/XX/XXXX they didn't receive the wire in the amount of {$3700.00}. On XX/XX/XXXX and XX/XX/XXXX, I provided them with a screenshot of the outgoing wire confirmation that I obtained from the escrow company. As of yet, Caliber Home Loans Inc. hasn't responded to my emails dated XX/XX/XXXX and XX/XX/XXXX. 

On a side note, the escrow company also wired {$740000.00} on XX/XX/XXXX and Caliber Home Loans Inc. received that payment based on my online account. The reason why the escrow company overpaid {$3700.00} to Caliber Home Loans Inc is because I was only allowed to get a {$500.00} refund at the close of escrow. The reason why there was an excess of funds is because I made my XX/XX/XXXX mortgage payment before escrow closed which caused the excess funds.
Product: Checking or savings account

On XX/XX/XXXX, I initiated a bank-to-bank transfer of {$2000.00} from my XXXX checking account to my Huntington checking account. Almost immediately, the money was removed from my checking account via ACH debit. 

That same day, I received an email from Huntington : " We were unable to complete your transaction ; therefore, the funds have been returned to your XXXX XXXX, Checking [ number redacted ] account. Please expect to see the funds in the account within the next 3 business days. 

We apologize for any inconvenience this may have caused you. '' I called Huntington to ask about the issue, and the customer service rep assured me that my funds would be returned to XXXX. 

This never happened. I called again on Monday, XX/XX/XXXX, to ask where my {$2000.00} was my Huntington account showed no record at all of the transfer, while my XXXX account still said the money had been sent to Huntington. The customer service rep spent about 30 minutes " checking into it '' with a manager, then told me that they'd just released the funds back to me. He said to expect the money back in my XXXX account by Wednesday, XX/XX/XXXX. 

Again, nothing happened. On Wednesday, XXXX XXXXone full  week after the money was " guaranteed '' ( verbally ) to be returnedI called Huntington again. This time, I was informed that Huntington had sent my money back to XXXX, a third-party transfer company, and that it was up to XXXX to accept the money from them. I called XXXX XXXX, and the XXXX XXXX  representative knew nothing about this. 

I spoke to another Huntington representative, XXXX, who said, " Call XXXX, let customer service know a bank-to-bank transfer failed. By XXXX. Ask to file R06 form dispute with XXXX to get funds back into the account. '' I did this, and XXXX informed me that it has nothing to do with them. After four hours on the phone, mostly on hold, the reps at Huntington finally said that they weren't sure what to do. I was instructed to disconnect and " Wait for a phone call from a manager, XXXX, tomorrow. '' The rep was unable to tell me XXXX 's last name or what XXXX could do. 

In essence, from XX/XX/XXXX until XX/XX/XXXX, *nothing* has been done by Huntington to rectify this situation that they caused by rejecting my transfer *after* initiating it. I want nothing more than access to my own moneyand to close my Huntington account forever.