23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Check n Go charged off the amount of XXXX on account # XXXX on XX/XX/2015. XXXX was assigned the loan to collect on the debt I paid XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX rep XXXX XXXX the final payment on XX/XX/2015 and received a paid in full letter. I call Check n Go advised them of the payment but I received a call from XXXX XXXX XXXX XXXX trying to collect on the debt again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, On XX/XX/2018, I was in the XXXX XXXX  store, and wanted to pay for my car repair. They told me that we can apply here for our credit card, XXXX XXXX XXXX XXXX, then you can pay this large amount in 6 months without any interest. Using my info, they applied and then they told me that your application was declined.

I found out from the sales associate person that since they didn't have my full first name on file, they applied with a wrong name, and later on, in the mail, I received a mail from the credit company, XXXX XXXX XXXX XXXX ( XXXX ), that " we were not able to verify your info with your social security number '' and so it was declined.

So now, basically, due to their incorrect application, I have a hard inquiry listed on my credit report and I haven't got the credit card, and it's having a negative impact on my score. 
I have already contacted XXXX  and they have removed the inquiry from my report.
Product: Credit card

Payment for Hilton Honors Am Ex card was processed on XXXX XXXX, which is the payment due date, see attached proof of payment from XXXX XXXX. Am Ex claims that they received the payment a day late on XXXX XXXX  and charged my account {$29.00} late fees on XX/XX/XXXX and interest on XX/XX/XXXX at {$11.00}, which is now due on XX/XX/XXXX, total of {$40.00} in fees and interest for payment that was " processed on XX/XX/XXXX ''. 

I reached out to AM EX customer service via chat and voice call. They insisted that they received the payment on XX/XX/XXXX. None of them were able to offer one-time courtesy credit ( My bills are paid in full and on time ). 

I am also concerned about additional interest on these late fees and interest popping up in subsequent cycles of billing. 

Numerous consumer board chatter/conversations state similar issues with Am ex charging strategies - fees and interest in similar situations as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190000.00}
Product: Money transfer, virtual currency, or money service

My partner and I have a XXXX safety training business, we've been in business for 8 years and have always used Paypal ( my partners account ) for student enrollment Since my partner is retiring, I opened a Paypal account since he wont be part of the business. 
I opened the Paypal account to aid in my online firearms safety teaching student sign ups. I figured it shouldn't be a problem since we have used them for the past 8 years. 
I opened the account on about XX/XX/XXXX XXXX students immediately started signing up for classes and paying thru Paypal XXXX Once the class was finished on XX/XX/XXXX, I proceeded to make a transfer of the class fees to my checking account. suddenly i noticed that my account was frozen for 6 months suspicious activity. I immediately called Paypal, I finally talked to a representative and was not given any explanation for the freeze. They claimed that they didn't have to give any explanation and refused to release my funds. I'd appreciate any assistance that you can give regarding getting my funds released. It's not a huge amount of money but, I'm not a rich guy! 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are reporting incorrect information on my consumer report on the account listed as XXXX XXXX there are several inconsistencies yet each credit bureau responded that the information was validated and verified. I would like the evidence used to make this determination. Under FCRA I have a right to dispute this information if it is deemed incorrect which it is. Neither credit bureau has provided me with the information that I have requested. 

The inconsistencies are : High Balance {$29000.00} {$29000.00} {$33000.00} Last Verified : XX/XX/XXXX - - - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - - - Creditor Remarks : Charged off as bad debt Profit and loss write-off Voluntary surrender. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

in my XX/XX/XXXX statement from everbank I received a notice that my escrow account was XXXX short. contacted everbank. talked to XXXX, XXXX, and XXXX ( supervisor ) and was told by all XXXX that payment date for my escrow account by XXXX county had changed. I contacted XXXX tax assessment dept. ( XXXX ) and checked their web site. NO CHANGE IN DUE DATE!! 
recontacted everbank and they claim that in fact date has changed. 
I requested a copy of memo changing due date they refused, said none existed everbank XXXX loan # XXXX I asked to speak with escrow processing they refused to let me talk to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I had notified Experian credit bureau about incorrect reporting on my credit file from XXXX XXXX XXXX   XXXX. I explained that this account I had no knowledge of and that it did not belong to me they responded back 75 days later which is ( PAST THE 30 DAYS REQUIREDTO RESPOND ) back and never resolved the issue. Never sent me any PROOF that the incorrect information being reported on my file actually belong to me as stated in the FAIR CREDIT REPORTING ACT. THAT SUBSTANTIAL EVIDENCE PROOF OF MY SIGNATURE ON ANY DOCUMENT STATING THAT SAID ACCOUNT BELONGED TO ME. I asked for verification and proof that this account belonged to me or signed documentation with my signature and proof of how they were verifying this information from XXXX XXXX XXXX XXXX. I indicated that if no REFUTABLE PROOF WAS FOUND that they immediately delete this file from my credit report. They responded with only that my file was updated. Didn't specify how was they verifying this information that was being reported on my file. NO PROOF OF ANY CONTRACT OR BINDING DOCUMENT WITH MY SIGNATURE was found stating that I owned this account and or was responsible for said debt and was told that my credit file was JUST UPDATED only and they continue to report this account on my credit report falsely.
Product: Checking or savings account

Wells Fargo Bank should be put out of business. I was with XXXX  XXXX XXXX x15 years and NEVER had an issue with them. Moved to Wells Fargo because they had a promotion going which would give me {$200.00}. Bad move on my part. To begin with, WF gave me an account, without even asking me, whereas I couldn't spend but {$500.00} of MY money a day, which meant I couldn't pay rent, my car note, nothing. I called and called and even got up to WF corporate where NO ONE would help me. So I gave me. When I went into the bank this past week to get the promised {$200.00}, they LIED and said I was told ( which I wasn't ) that I needed to supply a coupon code. What?!?!?!! Nothing was mentioned to me about a coupon code when I opened the account. 

WF has caused me to lose over {$800.00} in late fees, gift cards fees ( to pay my rent ) and other fees. 

I work for the State. They literally tried to hold my Comptroller issued check x10 days. Only when I told them to call and check, did they do the right thing and release my funds. I've gone through XXXX with WF and just closed my account. They need to be dealth with. Firmly!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times of the past few days to reason with this company, & they flat out refused to help by correcting. I brought to theyre attention that there are inquiries that I dont recognize on my report & there is absolutely no action being taken. 
These are the following inquires : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

XXXX / XXXX ... XX/XX/2017... I disputed the balanced. XXXX / XXXX closed the account not allowing me to make payments. I made several attempts to make the payment before the due date. The account is question has been paid in full but after the due date because XXXX XXXX XXXX would not allow me to make a payment
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is lower then should be due to " too many inquiries '' per XXXX XXXX : I see that Discover financial inquired on my credit report on XXXX XXXX, 2019 : this inquiry is improper as no reason to inquire. 

I request to investigate and remove that inquiry from my report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 XXXX 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, credit repair services, or other personal consumer reports

I recently noticed several " hard inquiries '' on my credit report from financial institutions I did not apply for any credit from. A few days later I received written correspondence stating that they were processing my applications. I did not apply for any credit products from them! I attempted to contact all the companies at the phone numbers provided in the mailings and none of them were answered- just sent me to recorded message that all operators were busy and to try back again. The companies are : XXXX XXXX, US Bank, XXXX XXXX XXXXXXXX, and XXXX XXXX - this one sent me a credit card I will not be activating and I am worried that trying to cancel the card will negatively affect my credit report. I want the " hard inquires '' and any other information they report removed from my credit report as they are fraudulent! I want the XXXX XXXX card canceled and all information removed about it from my credit report. I attempted to file disputes with the three major credit reporting agencies and was unable to fine the link to actually file a dispute! All links just lead to information on disputes! The credit reporting companies must provide prominent links or actual phone numbers to the real dispute process.
Product: Credit reporting or other personal consumer reports

Credit Reporting Agency are violating FCRA rights by reporting alleged accounts to my consumer profile.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney XXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you XXXX be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Volkswagen credit is reporting a late or missed payment when i never missed a payment the loan has 2 payments until paid off i have submitted disputes with the credit agencies and Volkswagen credit says veried when i have proof of two payments made in the month of XXXX and XXXX this needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUEST A CREDIT REPORT FROM ALL THREE CREDIT BUREAU 'S AND IT'S A BANKRUTCY ON THERE FROM XXXX  AND XXXX. SO I DISPUTED IT BOTH CAME BACK VERIFED SO WHAT I DID WAS GO TO THE BANKRUTCY COURT AND ASK HOW IS THIS ON MY CREDIT REPORT AND THEY SAY THEY NEVERED REPORT MY INFORMATION TO NO CREDIT BUREAU 'S PLUS I HAVE THE PROOF. ALSO I SAW A PLACE CALLED LEXIS NEXIS ON MY CREDIT THAT XXXX  AND XXXX  SAY THEY GOT THE INFORMATION FROM WHICH IS ILLEGAL.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I opened a checking account at TD Bank, I made my first deposit through my phone on XX/XX/year>, I also got a monwy transfer from my country of origin of a pension that I receive for having been a police officer for XXXX  years, then, when I wanted to pay different bills, I had problems when using the XXXX XXXX and I could not use that money, because the bank told me that due to internal policies and since it is a new account, for my safety I would have certain limitations when sending the money and that the money from the checking deposit I made would be kept on hold until XX/XX/XXXX. Today XX/XX/XXXX, I personally requested information on the legal basis for the money withholdings and they could not give me a reason, they only told me that it is due to the policy of the same bank and that in any case I would have to wait until XX/XX/XXXX to use my own money
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that is reporting this information on my report and because of this I am now asking you for more information regarding this particular account in question : XXXX XXXX  XXXX
Product: Debt collection

I am disputing the accounts today as they are a result of identity theft, the Equifax Data Breach exposed my personal information to criminals who used my information to open several accounts in my name, my personal information will always be exposed to those who have used them against my knowledge to open fraudulent accounts. 



Under the laws of the FDCPA, I have contacted these companies myself and asked them to verify these accounts, and they have refused to do so. I have contacted the Consumer Financial Protection Bureau as well as the FTC and filed a report against your company for reporting this false information to my account. 



The FCRA requires you to verify the validity of any information reporting to my credit report, which you have failed to do so, as I asked 30 days prior to today for this account to be removed and your company has not done so. I am demanding that you remove these accounts from my credit file, as it is against the law to report these accounts. 



In the event that you do not remove these accounts from my credit file, I will not hesitate to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 



Remove : 1.XXXX XXXX  {$960.00} 2XXXX XXXX  {$1100.00} 3XXXX XXXX XXXX  {$650.00} 4.XXXX XXXX XXXX XXXX {$1600.00} The only name that should be reporting to my credit file is ( XXXX XXXX XXXX any other names should be removed . 



The only address that should be reporting to my credit file is XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ) any other addresses should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 fumnish a 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
Product: Checking or savings account

On XX/XX/2024, I deposited a significant check at my bank, where I've been a customer for nearly XXXX  years. Later that day, I was surprised to receive a notification that the bank had placed a hold on the funds. The notification stated concerns about the check 's validity, and the funds might be hold will last for approximately XXXX business days, excluding weekends. 

While I understand that large deposits may not be immediately available, a five-day hold seems excessive. Surely, verifying a check 's authenticity can be accomplished more quickly. 

The attached A/c # is the transaction id, instead of an actual account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I applied for a Ch. XXXX bankruptcy in which Freedom Mortgage was not involved. I was paying my mortgage payments directly out of pocket to Freedom Mortgage. To this date I have never failed in paying a mortgage payment. XXXX - XX/XX/XXXX, the Ch. XXXX was converted to a Ch. XXXX and was discharged. But I still do not have access to my online account, I had to keep paying my account through my bill pay, and my credit report shows that the Freedom Mortgage account has little to none payment reports, no balance, and the account is closed. I have tried to talk to the bankruptcy, customer service, and to the heads of different departments to fixed this issue but every time I call customer service they want a letter stating that I may communicate with Freedom Mortgage but the bankruptcy is over Freedom Mortgage has the a copy of the discharge. Freedom Mortgage continues sending me and my previous bankruptcy lawyer monthly statements. The law group has already sent the Ch. XXXX discharge to Freedom Mortgage but to no avail.