23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XXXX XXXX, I tried to make a payment on XXXX for {$1900.00}, which is less than what was on the card at the time. When I did it said that the payment was declined by the issuing bank. I then called Amex support and was told that it was the fault of the vendor, I went back to the vendor and they said it was once again the issuing bank aka Amex. Amex said that they had declined it for my safety and couldn't authorize it. I attached an image of the declined payment. I also tried much smaller amounts and that didn't work either, On XX/XX/2023 I tried to purchase a product from XXXX for {$280.00} and it was also declined by the issuing bank, I tried to get XXXX to re-try but it wouldn't go through. I called Amex and they told me the same thing, that the issue was with the vendor, XXXX reassured me that it wasn't their fault. I attached an image of the declined payment. 

On XX/XX/2023 I tried to a make a purchase on XXXX for {$930.00}, which again is less than the amount on the card and it was declined by the issuing bank, as confirmed by XXXX XXXX. I called Amex and they said it was the vendor 's issue, but the vendor had confirmed that it wasn't. I attached a photo of the failed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started to monitor my credit with extra time on my hands this year with me not being employed and i noticed someone has stolen my identity i have several fraud accounts in my name i have tried getting this matter resolved with credit agencies and they are no help please help me
Product: Checking or savings account

i was told my acccount was restricted and i couldnt use my debit card in a year please help this is a mistake
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late XXXX  days closed XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$790.00} - Collection XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance Owed : {$17000.00} -late/Open
Product: Student loan

XXXX XXXX XXXX ( PHEAA ) unlawfully converted my XXXX Grant to " irreversible '' loan due to a paperwork error on their part in the fall of XX/XX/XXXX. This has been on ongoing issue that began in the summer of XX/XX/XXXX when I tried to submit verification forms for my service agreement. They claimed they did not receive paperwork and also gave me a fax number that did not work after many many attempts. They converted my grant to a loan ( of XXXX including interest ), even though I had completed all of the service requirements they requested and as were outlined in my service agreement.
Product: Credit reporting

While deployed I attempted to make a larger than normal payment to a lender which resulted in my overpayment of what the lender was allowed to accept on a monthly basis. This resulted in my cancellation of recurring bank allotments to the lender under the impression that I had paid my account in full. The lender failed to notify me not only that I had over paid them but that they were charging me fees for the overpayment. This resulted in a 120 day delinquency being reported on my credit report. Once I returned from XXXX I received an email from an individual from the lending company that was assigned to identify the reasoning behind my large gap in payments after a previous perfect payment history. Once he informed me of what had occurred, I repaid the past due amount in full and the account was later closed
Product: Debt collection

This company illegally bought an account that was attached to my name during a time of identity theft. The also illegally furnished my credit report with false information without my consent.
Product: Mortgage

I made my XX/XX/XXXX payment on XX/XX/XXXX. When our tax refund was received, I made XX/XX/XXXX payment early on XX/XX/XXXX. Instead of applying it as a payment, Mr.Cooper Mortgage applied it as a principal payment. I have contacted their office 3 times to get this problem rectified, It is now hurting our credit.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Navy federal placed a level 9 lock on my account due to fraud activity even though it had been reported my account was hacked I had no access to any accounts online and being military I couldn't access a branch in the middle of the ocean.. they refused to unlock the account. Causing me to dramatically fall behind on payments due to not being able to set auto pay or have access to those accounts.. they have sense submitted a consumer report calling for bad banking history which is untrue due to there own doing
Product: Mortgage

My original mortgage was with XXXX XXXX XXXX, started on XX/XX/XXXX. In XXXX of XXXX, I received a letter that XXXX XXXX XXXX had sold my mortgage to Freedom Mortgage. By the end of XXXX, I had not received a welcome letter from Freedom Mortgage and was worried about missing my XX/XX/XXXX payment. I called Freedom Mortgage, where I tried to make a payment. The auto payment system asked me for a loan number which I did not have since Freedom Mortgage had not sent that to me. I followed the automated system who then told me that new customers who were having their accounts transferred to Freedom Mortgage would have a 60 days grace period to make the payment. As I was leaving the country for 5 weeks on XX/XX/XXXX, that gave me peace of mind. When I came back, I paid my XXXX and XXXX mortgage payments. I reached out to Freedom Mortgage in XXXX asking to remove my escrow account from my mortgage. I received a denial letter with the reason being I did not have a history of on time payments over the last 12 months. Freedom Mortgage says I was late on my XXXX payment, which I couldn't make because the company was behind on sending out their welcome letters. Even though Freedom Mortgage 's welcome letter is dated XX/XX/XXXX, it did not arrive to my address prior to XX/XX/XXXX, my departure date as I checked my mailbox everyday before leaving. After calling their customer service center twice, I was transferred to the escalation department. The escalation department says I was late because I did not make my XX/XX/XXXX payment date. When I emphasized that their letterhead says XX/XX/XXXX at the earliest, the escalation department said I still could've made the payment by the end of the month. I'm pretty sure that if I had made the payment before XX/XX/XXXX, Freedom Mortgage still would count that as a late payment.
Product: Mortgage

Long story short, I was currently in the Indiana hardest hits program when Chase bank put an illegal judgement against me. During my investigation they claimed it was because I defaulted the program so I called to confirm that it was completed and that they did send the XXXX $ dollar check to catch up my patents. It did take all XXXX to catch me up because in addition to my insurance policy At all state they had also been adding a forced placed policy of there own for years. I only had a XXXX day notice to being homeless. I also have the mortgage documents to prove this was an illegal foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

My direct concern is the company listed below along with XXXX, Experian, and XXXX has violated the ( FCRA ) to investigate my concerns it has been over 40 days, and still no response. 

XXXX XXXX XXXX XXXX XXXX XXXX This account should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working over the past 5 years to maintain good credit. I have worked very hard to clear up old debt and not miss any payment. Recently I had XXXX XXXX report a late payment when it was an error on their part I contacted them and they fixed the error. Well today I went to check my credit with nothing changing except the correction showing 98 percent payment history to a 100 percent due the error that XXXX fixed. My score dropped 20 points!!! when I tried to enquire in the drop with Transunion it was impossible to speak to some that spoke English mush less speak with an actual human.
Product: Credit reporting

I have disputed inaccurate information with Equifax for over one year now, and they have not done a proper investigation into my complaints.
Product: Vehicle loan or lease

On XX/XX/XXXX, my wife and I financed a new vehicle through Chrysler Capital. Chrysler Capital did not deliver all required disclosures at the point of sale included our XXXX to XXXX. As a result, I made a misinformed decision by financing this vehicle on behalf of withheld disclosures. On XX/XX/XXXX, Chrysler Capital received my Notice to XXXX the retail installment contract that is now void. I informed them that I was no longer liable for payment and any form of adverse action such as negative credit reporting and/or repossession would serve as unlawful activity. Chrysler Capital has defaulted on their obligation to repay me for all money I have paid to them to date.
Product: Checking or savings account

I am having ongoing problems with wellfargo often I got claim after claim that I'm at no fault and reimbursed but more how often as we speak I'm fighting they keep double charging my account I have to get three hours repeating my problem to get disconnected told I'm a liar just belittle as if I am not telling truth finally I do claim wait no money get letter I am not at fault and close claiinmbut it I'd happening now I'm at my XXXX XXXX is crazy the tell me no supervisor is around and won't put to fraud or complaint I had bank people tell me they don't see me negative I got proof of the XXXX paid alreadyvgoing on twice I'm totally abudrd hours calling back passed off im noe three claims have to wait for money again what do I do
Product: Mortgage

I signed a contract that my monthly mortgage including taxes will increase from {$1600.00} per month to {$2500.00} per month for 30 years. Quicken loans is using predatory lending practices. They agreed it was their error..stated to that from their error. I would not have purchased my home for this amount. I 'm retiredd and I am on a fixed income. Quicken loans escrow representative name is XXXX XXXX.His number is XXXX. He said the XXXX XXXX is also at fault. The XXXX XXXX is XXXX in XXXX. Quicken loans representative told me to move.I just purchased this home 5 months ago. XXXX XXXX, XXXX, was my settlement date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX, Account # XXXX Account Status Closed Payment Status Past Due - {$150.00} Balance Owed {$150.00} Payment Amount {$0.00} Credit Limit {$500.00}
Product: Credit card or prepaid card

I have had a credit card account with Capital One for almost 10 years. For the last several years ( 4-5 years ) there has been a {$0.00} balance on my card. I get my statements every month to my email and look at my account to make sure there is no activity on the card. I have the app download and use it regularly. Yesterday, XX/XX/XXXX at XXXXXXXX XXXX I received an email : " It 's been over four years since you 've used your credit card account ending in XXXX. As a result, your account has been restricted as of XX/XX/XXXX, which means you no longer have charging privileges, and it will be closed due to inactivity. Your account will remain restricted, and it can not be taken out of restriction prior to closure or reopened once it is closed ''. 
I called Capital One and spoke to 4 representatives on the phone trying to clear up this obvious misunderstanding since I did not receive any notification my account was in danger of being closed prior to the account being shut down. I spoke with 4 representatives including 2 managers ( XXXX and XXXX ) who told me the decision was final. I asked to speak to their managers or someone who would be able to assist with this issue and they told me I could hang up and call back to talk to someone else or I could write a letter. There was no one in the company that could reverse this decision. I asked both XXXX and XXXX if I could get a copy of the signed agreement that Capital One had that said that they had the rights to close my account without noticed. Both " managers '' denied my request. They did both tell me that could rerun my credit and I could open a new account. 
This issue hurts my credit due closing a line of credit and reducing my available credit and closing my longest revolving account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of XXXX XXXX Inquiry Issue. I called then and the representative refused to help me. 

The following inquiries are on my report and were not made by me. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX So many are duplicates as well.
Product: Debt collection

This collection is in my wifes name, but is reporting as a collection on my credit report. The company wants me to pay money to take it off my report, but the account isnt in my name. The account was opened XX/XX/2018.
Product: Money transfer, virtual currency, or money service

I had given my personal information to someone at cash app to receive a new card and I my information was compromised
Product: Checking or savings account

I had paid mini overdraft fees. For a very long period of time. The time spent it all the way from the year 2006 through the year XXXX.I can say that I have paid well over the amount of {$5000.00} in overdraft fees within that span of time. My business and my household expenses supper due to this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported i was late making payments in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX in 2015. I was not late because these payments were deferred and were not due at the time of reporting. I will like these payments to be updated as current due these payments being deferred and being in forbearance.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankruptcy reported in equifax is the result of identity theft and should remove it from my credit.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I noticed an XXXX XXXX credit card on my credit report that I had not applied for. After further research, this card was applied for by XXXX XXXX who I have no contact with, and had me listed as an authorized user. This card was reducing my credit score by an average of XXXX points across the three major credit bureaus. I contacted all three and XXXX removed it from my report but XXXX and Equifax did not. Even after filing a police report no action was taken on the grounds that all information was correct. The card was applied for in XXXX of XXXX
Product: Payday loan, title loan, or personal loan

i filed for bankruptcy on XX/XX/2022 and the company was made aware away of this. They decided to charge my account 6 month later. they issued me a reference number XXXX. they have yet to issue my money back to my account. and have the numerous emails saying they would issue the money back but have not.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint formally regarding my ongoing disputes with XXXX, Experian, and XXXX related to identity theft. Despite my best efforts, these credit reporting agencies have failed to address and resolve the issues on my credit reports accurately. 

XXXX has removed some incorrect information but continues to report inaccurate accounts. When I sent a debt validation letter, they repeatedly claimed the information had been " verified, '' but they have not provided any method or proof of how this verification was done. Similarly, Experian has issued the same response without offering clear validation or supporting documentation. 

XXXX, on the other hand, has shown a concerning lack of action in addressing my concerns. Instead of promptly investigating or removing the inaccurate information, they have sent me three copies of my identity theft rights without taking any further action. 

Across my credit reports, Experian, XXXX, and XXXX are reporting inaccurate information, even regarding the accounts listed below. The dates, names, account numbers, and activity associated with these items are all incorrect. 

I have evidence of my identity theft, the disputes filed, and the lack of resolution. I respectfully request that the CFPB review my case and play a crucial role in ensuring that these credit reporting agencies fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

If this matter is not handled quickly and adequately, I will be looking for compensation for the damages caused by the continued reporting of inaccurate information on my credit reports. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX