23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I initiated a dispute online with Trans Union. There were several items that were paid and not showing correctly and XXXX items that were paid to the hospital and should not have been reported. Once I received the investigation results the XXXX items that should not have been report were listed as Verified and Not Updated. I called the issuing company and they confirmed that they reported to the Credit Bureau that those accounts did not belong to their company and to contact the original creditor. They sent me a letter stating that as well. I then contacted the Hospital ( original creditor ) they confirm that the account was satisfied. I called Trans Union XXXX to get a better understanding. Today being the XXXX call. I spoke with the initial rep who was having computer problems as was the case XXXX days before. I requested a supervisor who was also unable to help me and requested again that I call back at a later time. I do n't understand why the information was not removed from my credit report. If the creditor did not verify it as their account why was it not removed. I would like the XXXX items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted a dispute about incorrect information contained in my Experian consumer report. The letter contained 3 disputes. The first two disputes were investigated by Experian. Experian apparently ignored my third dispute in the letter with respect to incorrect information from XXXX XXXX XXXX, Account Number XXXX. I submitted relevant documentation with my dispute including court records which contain proof of payment. It has been over 6 weeks and I have not received the results of my dispute with XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I applied for a loan with this company and the finance charge and interest was not what was stated to me. I have not signed any of the documents electronically. I want them to clarify the {$100000.00} insurance policy and payments made to agency that I was unaware of until I was able to read some of this contract that I have yet to electronically sign. As well as a title of my vehicle for loan, in addition to the {>= $1,000,000} dollar LIFE Insurance policy. Why do I need all of this on me for a {$7000.00} dollar loan? I was charged double finance charge and interest on this loan. This occurred on XXXX XXXX, 2017. I am a XXXX years of age and have been in the military. I just recently retired with 33 years of XXXX and military service. Please advise. I appreciate your time and concern with this matter.
Product: Debt collection

On XX/XX/XXXX I received a first credit card bill from XXXX XXXXXXXX XXXX ( of XXXX XXXX NV for {$2400.00} ( later this mysteriously became {$2500.00} ). I NEVER OPENED AN ACCOUNT WITH XXXX XXXXXXXX. I had been notified by XXXX that the account had been opened & I disputed having done so & requested it be blocked. XXXX shortly posted the account as " closed '' after I'd written to XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. NB : The XXXX XXXX bill had been sent to the wrong address ( repeatedly?, yet delivered by a mailman who knows me ) and the acct. # seems peculiar ( XXXX numbers instead of XXXX etc. I've never seen a list of transactions. ) XXXX XXXX then contacted me to say the account had been " resolved '' and it continued to appear on XXXX throughout XXXX as " closed. '' I corrected the address with XXXX XXXXXXXX but they recently informed me ( via still incorrect address ) " my account '' ( fraudulent ) had been sold to PYOD, LLC in XXXX NC, which appeared on my XXXX XXXX account under " For Collection. '' Then I heard recently from a collection agency called XXXX XXXX XXXX ( XXXX IL ) they were collecting for aforesaid PYOD LLC. Note : I never opened an account with XXXX XXXXXXXX ; I have never heard from PYOD LLC directly, and have contacted XXXX with no reply ( XX/XX/XXXX ). I have filed reports with the FTC and XXXX Police, placed credit freezes and alerts with the 3 credit rating companies. I have searched and found that my name & email were breached & appear with Gravatar ( XX/XX/XXXX ), XXXX ( XXXX XXXX ), & Share This ( XX/XX/XXXX ). BOTTOMLINE : XXXX XXXX XXXX if now trying to collect for PYOD LLC for {$2500.00} on a fraudulent account I never opened. HELP! Someone fraudulently opened an account with XXXX XXXX in my name ( Where's the application to open this account? Must've been online : wrong address, 15 numbers in a peculiar arrangement ).
Product: Checking or savings account

I have had problems with my money not adding up right in my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX have two account reporting to my credit and they dont belong to me and one is a deposit I never made they need to be removed off my credit report under consumer law, and the fair credit reporting that they supposed to be XXXX. XX/XX/2020 XXXX. Both with same bank Also reach out to ftc and made report the address not on my file
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I check my credit report and I saw fraudulent inquiry, please remove this inquiry listed below XXXX XXXX Important dates Inquiry date XX/XX/2024
Product: Mortgage

My loan servicer improperly imposed a late payment penalty of XXXX % of loan principal XX/XX/2015 before loan balloon payment was due XX/XX/XXXX. They also failed to answer a question about refinancing loan that loan doc says is possible ( they claim they are not a financial institution ). They have demanded that final payment be in certified form wich is not required in loan doc. 

When I write to point out their errors they write back and say they have reviewed everything and everything is correct. The loan payment date is quite clear in loan document. They refuse to admit error. I have offered to pay all principal and interest due at balloon date but lender refuses to accept unless I pay late fee as well. 

They now threaten foreclosure
Product: Checking or savings account

The company sent me an invite as a current US Bank customer, to a new branch opening opening at, XXXX XXXX XXXX XXXX, XXXX, WA XXXX. On the mailer I was sent, it offered a free pair of bluetooth headphones if you made an appointment in the branch before the end of the month, XX/XX/XXXX. 

I had regular banking to take care of such as a deposit, a withdrawal, and questions about opening an additional personal in business credit card. I made an appointment during the first week of open. I showed up for my appointment, spoke to two very friendly and helpful women. However, I was told that they ran out of the promotional item. Customer service, which I did. Customer service said to work with the branch, who directed me back to customer service. So I'm in a loop. 

I'm frustrated, you indicated I had to the end of the month to make an appointment. I made an appointment during the first week and yet you are still not honoring the promotion. 

Please help.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

XX/XX/2020 Date Credit Card was opened XX/XX/2020 Transaction date {$400.00} Location XXXX XXXX # XXXX ( XXXX, Arizona ) The address used to open the account was not my current address. 
I was never in XXXX, Arizona. 
I never made any online purchases from any Walmarts in Arizona. 
I never received any bills from XXXX XXXX XXXX because I did not live at the address used to open the account. 
I never received any emails, phone calls or any form of communication from XXXX XXXX XXXX about the account. 
I was later contacted by Midland Credit Management about the account almost 2 years after the XXXX XXXX Credit Card had been opened and used. 
XXXX XXXX {$560.00}
Product: Credit reporting or other personal consumer reports

Experian will not provide access to my credit report and remove the fraudulent account as they have been provided a police report and ftc complaint. XXXX and XXXX have already handled the matter. I am astonished they would treat a XXXX person this way, blatantly defiling federal law against a protected class
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXXXXXX XXXX is reporting me 30 days late for XXXX when my XXXX payment is not due until XX/XX/XXXX. I have scheduled a payment for this Friday and they refused to correct the reporting. Im technically not late until the XXXX. Their phone number is XXXX. My name is XXXX XXXX XXXX and my phone number is XXXX. I am in a situation where they dropped my credit reporting XXXX points due to this and accuracy and the timing couldnt be worse Im in the midst of trying to purchase a new vehicle due to a theft of my vehicle etc. please help thank you
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being 30 days late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. As the creditors regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. Please provide proof of the account was 30 days late and delete the negative payment status on this account. XXXXXXXX XXXX XXXX. XXXX and XXXX XXXX XXXX.
Product: Vehicle loan or lease

To Whom It May Concern : XX/XX/XXXX XXXX Car Repossessed XX/XX/year> -Call to XXXX XXXX redirected to XXXX XXXX XXXX XXXX XXXX XXXX not manage auto loans ) called back and spoke with XXXX who stated payment processing failed because " one of our agents incorrectly transcribed account and routing number '' ( call reference number available ) The account is listed as being past due as of XX/XX/year>. 
I have never been late on this account. 
It is connected directly to my bank. 
It is listed under an active auto pay status for 3 years. And for the XX/XX/year>. 
My bank stated XXXX XXXX  did not request money for that month or there after. 
I had to pay around {$1600.00} total, added late, bank processing, and repo fees. My interest increased and credit report dropped. 
Im formally requesting this matter be investigated and addressed appropriately Thanks for all that you do.
Product: Credit reporting or other personal consumer reports

there are fraudulent inquiries on my credit reports ; 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
Product: Credit reporting or other personal consumer reports

I entered into a loan consolidation with my credit union ; XXXX XXXX XXXX XXXX to pay off several credit cards. One card was XXXX  and it is managed by XXXX XXXX XXXX. This card was paid off for the amount due at the time of the consolidation loan which was {$810.00} on XX/XX/XXXX. The check was cashed by them on XX/XX/XXXX and they closed the account on XX/XX/XXXX. They have continued to add charges to the balance which is now {$1300.00} and have reported it as a charge off on my credit report. I have made numerous phone calls attempting to resolve this and each time I am told to send the information to XXXX which I have done now three times. They will not give me a phone number to contact this back office and they have not responded to my emails. Each email has had the cashed check copy attached but they refuse to acknowledge me or their mistake. This false credit item is damaging my personal credit score. The only phone number I have is XXXX and they will not give me a phone number to contact their " back office ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my LexisNexis consumer report for 3 months. 1st response -Unable to process request. Resubmit your request. Which I do, with the exact same info. 2nd response -Use this PIN to access your account. PIN doesn't work. Resubmit your request. Which I do with the exact same info. Response 3-Unable to Process Request. Response 4-Use PIN. PIN doesn't work. Response 5-Unable to process request.

I tried calling & was on hold for over hour before I gave up. I received my report a year and a half ago which the exact same info so I don't know what they can't authenticate.
Product: Prepaid card

Monday XXXX XXXX, 2015 I was emailed from the rush card company stating that the rush card would be down from XXXX until XXXX on Monday XXXX XXXX. I called rush card on the XXXX because I was n't able to access my account only to be informed that they were working around the clock to get the issue resolved. Then I stated that my card says it 's blocked on my application for rush card that I have downloaded to my cell phone. The girl representative stated that the website is uploading and she ca n't access my account. So I called back on the XXXX only to get the same results. I was placed on hold for XXXX hours to speak with a supervisor about the issue only to be hung up on. So I called again on Thursday XXXX XXXX to be placed on hold for another XXXX hours and again hung up on I was told that the systems were still uploading and they could n't get access to my account. So I hung up to call again for my card and then to hear that my card has n't been activated but they ca n't give me any information. I have rent due, cable, car note, utility bill due.
Product: Checking or savings account

I 'm a non account holder at Chase Bank and went to the  XXXX , NJ Chase Bank  location  to make a {$250.00} cash deposit to an account holder that lives in NY and was refused ... I was told I had to deposit a check or money order and when I asked why I can not get a straight answer why other than policy. Since when is CASH not good when making a deposit?? In the deposit account agreement that I pulled up online it does n't say anything in reference to cash deposits from a non account holder ...
Product: Credit card

American Express is not believing my XXXX third party tracking evidence which literally shows and states the merchant signed for the merchandise return over a month ago and I am owed my refund. Merchant has lied multiple times about not receiving the return. When I asked American Express why they keep extending the resolution deadline the representative XXXX had no answer to me and when asked why my XXXX tracking was not being believed she got very rude and told me to close to dispute multiple times and speak with the merchant myself. But I needed American expresses help to resolve the dispute or else I wouldve never opened it. Its like American Express does not care about disputes by XXXX Americans.
Product: Debt collection

The XXXX toll roads imposed a toll on us for {$15.00} and payment was made for this amount. Then a notice was received by the law firm Linebarger Goggan Blair & Sampson stating that check payment for {$15.00} received on XX/XX/, however, the notice was transitioned notice 2 on XX/XX/. This generated an additional balance forward of {$3.00} which was immediately sent to collections without sending us an invoice. Now it states we owe {$100.00}! Verification and validation was requested but there is nothing we received that validates this.
Product: Prepaid card

Received an American Express Gift Card ( {$300.00} ) as a gift from work, have tried to make purchases well or to pay off my XXXX balance under the total credit card limit and all orders are declined. 

Upon researching, there are many others who have complained about the same issue on XXXX. There was one user who suggested we file a complaint here.

I can't even check my card balance on the Amex website, it says error check back in a few minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Equifax, ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Consumer Loan

My family and friends ( some who live out of state ) were contacted my a " XXXX XXXX '' from DFC Legal Services informing them I have a debt I have in collections. I called the company and when they answered the phone would only say Law Office. No one would give out their first name only XXXX or XXXX . When I spoke with XXXX XXXX he told me that if I did n't pay off this debt they would contact my HR department to have my wages garnished. He was very rude and left me with no easy solution. I did some research on this from the original lender and kept calling different companies who said they bought and sold my account. I spoke to someone at a different company who told me they had my account and they do n't know why this other company was calling but to ignore them. Their amount was only {$900.00} the amount of the loan. I called XXXX XXXX back and was told the other company was lying. They did a conference call and they argued with eachother the whole time saying they owned the account and not to listen to the other company. I was so confused at this time I did n't know who I should be paying. I called my bank and cxd my bank card and put a stop payment on my account for both companies just in case they tried to take money out. I do n't feel comfortable talking to any of these people anymore. DFC Legal services refuse to give out their first name, wo n't give out detailed information about the debt, and are very rude. They make threats, and give out information to my family about my debt. They continue to call my family over and over again telling me they know they can get a hold of me. Very scary and very mean. Not understanding at all. I feel very worried that they will contact my place of employment to garnish my wages. And I 'm not sure what else I should do. I just want these calls to stop. They also refused to mail anything to my home showing this debt and the money owed from their company. They sent an email that was not on company letter head just a generic email.
Product: Debt collection

I sent a letter on XX/XX/XXXX to remove collection accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX Ive already included this in my previous Complaints & I am including it again., XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} XXXXXXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$920.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  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 furnish a account without written instructions
Product: Credit card

I am writing to file a formal complaint regarding the denial of my credit card application by Capital One, which I submitted on XX/XX/year>. I believe that the denial of my application did not comply with the requirements set forth under the Equal Credit Opportunity Act ( ECOA ), specifically 15 U.S.C. 1691 and 12 C.F.R. 1002. 
According to 15 U.S.C. 1691 and the implementing regulation at 12 C.F.R. 1002, creditors are obligated to provide a clear and specific explanation for any adverse action taken on a credit application, including a denial. The notice of adverse action that I received does not meet these requirements, as it fails to provide : 1. A clear and specific reason for the denial : The notice does not adequately explain the precise factors or criteria that led to the adverse decision.

2. Information on my rights : I was not provided with the necessary information on how to obtain a copy of my credit report or dispute any inaccuracies. 
I believe that the lack of detailed information provided in the adverse action notice is inconsistent with the requirements of the ECOA and its implementing regulations. As a result, I am unable to understand or address the reasons behind the denial of my credit application.
Product: Debt collection

On X/XX/17 XXXX XXXX called my work looking for me I ask them not to call my job and than they called again 4 hours later my name isXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The there was a dispute that came back unfounded. This mark on my credit report is well over 7 years old. The reporting is starting with a date of when the account was purchased by a collection agency which isnt legal. Its the EOS report on my cretic report which started from a XXXX account that was never mine well over 7 years ago. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal Information Was Used To Try And Obtain Auto Loans & Credit Card.