23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

FTC Report XXXX I never gave written consent to any of following to report on be have. XXXX, XXXX Experian nor XXXX XXXX, XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX. They violating fair credit reporting act, fair debt practices act and my fifth amendments
Product: Debt collection

Ncb Management Services re-age my account after I sent in my dispute forms. Which is a violation. I feel like that isnt right. Even the creditor re-age theres as well, XXXX Consumers. I have pictures to show you
Product: Credit card or prepaid card

XXXX  credit card never sent me proper notification of the annual fee like I requested but instead charged me a late fee for an annual fee I was not notified of, when I called the bank to have the annual fee removed the customer service persona was rude and unhelpful. I do not feel there should be a late fee on an annual fee. they are predatory lenders and taking advantage of people with bad credit or low credit.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

On XX/XX/2019 around approximately XXXX at the Bank of America branch in XXXX , I was refused a deposit of a check from a company. This check was a legitimate check and this branch failed at allowing me to deposit my funds into my bank account. The check had my dads name with the phrase and/or preceding my name. The teller went and got the manager, the woman manager then refused to deposit the check then preceded to be extremely rude to me for no reason. She was like I need this person here also with a valid Drivers license, my dad lives 450 miles away from me and my name was still on this check. This should be investigated and I want her held accountable.
Product: Credit card

My complaint is against PayPal refusing to refund a XXXX shipping charge in the amount of {$39.00} to ship back a product I had not ordered. 
I purchased a ladder from XXXX. I was supposed to receive a XXXX ; I received a XXXX I demanded a return postage label to send back the item I had not ordered. XXXX refused to acknowledge that the shipper had listed a fraudulent ad on their website. The website advertised the product a XXXX but had the picture of a step stool worth about {$27.00}, as opposed to the {$87.00} I paid through PayPal using my XXXX credit card. XXXX gave me back the {$87.00} for the ladder I received on XXXX 
Because I had to pay PayPal for the ladder ( using my XXXX credit card ), XXXX said I had to deal with PayPal to get a refund for shipping back the step stool. PayPal kept claiming during phone call after phone call that I would get my money back. It was only when I had a XXXX CSR on the line with PayPal that PayPal provided return policy ( on XX/XX/2016 ) and revealed a website address where I could file for a refund of the shipping charge in the amount of {$39.00}. 
The policy stated I had to provide proof of return had to provide proof of return. That is all. 
The website actually required more than the proof of return. 
XXXX. I was able to provide a pdf file from XXXX showing that the product was returned. 
In addition, the website required : XXXX the original purchase receipt, XXXX proof of return shipping cost. 
All proofs were to be digital and I attached all files requested on the " XXXX. '' I received a message that my claim for a refund was disallowed because the file format for " XXXX proof of return shipping cost '' was the wrong format. XXXX did not provide a receipt for the cost. I had to set up a XXXX account to return the ladder, and I had to pay the {$39.00} with my XXXX credit card. All I could do with the time frame given on the website was copy the transaction on the XXXX website and create a text file. 
In summary : PayPal listed only XXXX proof -- which I provided -- to get my refund of {$39.00}. The XXXX website required additional proofs and rejected the file format for the {$39.00} I paid by credit card to ship back the item I did not order. There was no other file format available for this proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, CA XXXX Account # xxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account # xxxxxxxxxx XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX account # xxxxxxxxxxxx XXXX 1581 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 my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items or information, other than records of conviction of crime which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

I was put in collection while waiting for the trial court which I was a plaintiff. The defendant was cited but did not appear to the trial. After consideration and examination of all proofs, the judge found that I wasn't supposed to be charged but they must give my deposit back ; the judge ask me to find a debt attorney to get me out the collection, that's why I contact you before I take any further action. 
I try to contact them but it seems like they don't want to deal with me.
Product: Credit card or prepaid card

ON XX/XX/XXXX I submitted a request to rent a car using my credit card through a company called XXXX which would use XXXX to have my car ready at XXXX XXXX XXXX in Florida on XX/XX/XXXX. 

Due to a delayed flight, i immediately filed a contacted rental car company which instructed me to contact XXXX, I did promptly, XXXX said they can reassign my rental car but I'd have to talk to the company used to have them release it. XXXX XXXX did and said they'd be able to process a new rental with the roll over credit. Due to the flight delay, I had to change airports from XXXX XXXX to XXXX which XXXX allowed. 

Upon completing the rental and returning to my residence, I noticed I was charged twice from XXXX  I called XXXX about or around XX/XX/XXXX and they indicated XXXX & XXXX XXXX no refunds... despite them saying it otherwise on the call. I'd not have gone through the process if they would have told me. I filed a dispute with my credit card company USAA and attached the following information. 

ReRE : Dispute Case # XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Attached is an update from the previous update : XX/XX/XXXX - XXXX did indeed reference their terms and conditions, but at the same time offered to swap the rental. Because I was unable to pick it up in XXXX XXXX, they cancelled and changed the reservation. This was XXXX, not XXXX. The fact they are now attempting to assert the XXXX & XXXX are binding is irrelevant as they themselves waived the terms on a phone call on XX/XX/XXXX. XXXX has denied my request for the recorded call to confirm the waiver. I am asking you to reopen this investigation and charge back the amount for these conditions. I am happy to provide a phone log from my XXXX where you will see I spoke to XXXX, XXXX, then XXXX  again. 

XX/XX/XXXX - Rental Car submitted for pickup on XX/XX/XXXX. 
- Due to cancelled flight originating on XX/XX/XXXX was unable to pickup car and thus called XXXX who said Id have to contact XXXX ( the supplier ). XXXX changed the rental through their systems but then XXXX cancelled the original order and changed it to reflect new pickup date. 
- They stated that there was no additional charge as I hadnt ever picked up the car in the first place. 
I I did pick up the car from XXXX XXXX and then realized I was charged for the first car despite being told it was a simple transfer ( and the car was never picked up and XXXX was notified of the change prior to pick up time. ) - USAA denied stating autoeurope attached their XXXX & XXXX and USAA won't go against their conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has failed to send dispute results and is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

ACCOUNTS XXXX XXXXXXXX never late I NQUIRIES XXXX XXXX  XX/XX/XXXX unauthorized XXXXXXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Consumer Loan

Honda financial Services report my auto loan as being written off. That is not accurate, I have contacted them many times and they have failed to remove the negative reporting off my credit file. Their representative was not happy with me so he place my he gave me wrong information which made my loan late and then he entered my loan as being written off even when I paid the loan in full.
Product: Debt collection

Moneylion, INCXXXX has been contacted multiple times since XXXX 2019 by consumer. The bank has not responded to any attempts. Consumers payment information changed and needed to be udated but the bank did not provide an opportunity to change the information, this action led to the account becoming past due. Although the bank never attempted to resolve this matter with the consumer, and the consumer attempting to, the bank has reported negatively to the credit bureaus. Consumer contacted bank to both remove the false information on credit report and resolve account payments, to no avail. Consumer has no other resources other than legal help.
Product: Checking or savings account

THIS IS NOT A DUPLICATE REQUEST- THIS IS A REQUEST THAT RESULTED FROM THE INCOMPLETE RESPONSE In XXXX I was promised that I would receive grandfathered guidelines as long as I qualified for them. This was promised to me by a the XXXX XXXX area retail leader and the XXXX branch manager since a bank error caused XXXX to not recognize the grandfathering automatically. I confirmed this with XXXX branch manager XXXX in XXXX of XXXX. I still received fees on my account anyway. I would like them refunded. 

To be clear. I'm requesting that the service fees charged on my Key Priveledge select checking in XXXX and XXXX re refunded to me through a check mailed to my house. This amount should be {$500.00} or {$550.00} I'm locked out of my online banking so I can not verify the exact number of fees.
Product: Debt collection

Called the company about a collection debt on my XXXX XXXX  I asked them to give me more information about it because I already have a active account with them with no issues and how do I got an account with a collection on my XXXX XXXX they werent able to locate the one I was talking about which I got nothing solved. They said they will send me a email which I didnt receive about a fraud package.
Product: Credit card

Noticed a fraudulent charge on my account on XXXX/XXXX/2015 for a charge on XXXX/XXXX/15 for an amount of {$260.00} thus increasing our monthly minimum amount. This minimum amount would not have increased if there was not this fraudulent charge, and now the credit card company Walmart will not reduce the difference of the minimum amount that is in arrears do this fraudulent charge. And now also wants to penalize us for the next six months of a higher minimum due to the supposed missed minimum payments made during XXXX and XXXX and XXXX which since we had not been using the credit card was unaware that the minimum payment amount had gone up. I want this minimum amount difference due to the fraud charges to be refunded. Because we were making the minimum payment. it only changed due to this fraudulent charge.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : personal information Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Former : XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Employers : XXXX XXXX XXXX  collection/charge off XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$580.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$880.00} XXXX  XXXX XX/XX/XXXX {$580.00} XXXX  XXXX XX/XX/XXXX {$0.00} inquiries XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax
Product: Prepaid card

Closed and pulled money from the account to make it a zero balance. Had told me prior on the phone that they would send a check for the amount of the account. 

After months of not receiving a check, I called them again and the representative told me that the account was permanently closed and the money returned to where it came from and that I would not be receiving a check. She could give me 'no further information '.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is primarily with TransUnion and my credit score ( s ). I bank with XXXX XXXX XXXX XXXX ( XXXX ) and with XXXX  XXXX XXXX. Both of these institutions use TransUnion as the basis to determine my credit score, and I am able to view it on their websites. Currently, XXXX shows a score of XXXX, and XXXX XXXX XXXX shows XXXX. My score dropped from the low XXXX to XXXX as reported by XXXX XXXX XXXX in XXXX of this year, and has remained in that basic range for 6 months now. When I click on my XXXX XXXX XXXX credit score link, I am given a score, and then words suggesting why my score is as such. Those words imply that I have had a lien or collection against me- which has never happened, and my credit report does not have any such info in it. I have submitted a screenshot of those words. I have ordered and received numerous credit reports from TransUnion, trying to understand what negative data might be in my report that would warrant such a drop. There is no such negative data in any of my reports. Since I have no bad credit data, I would like TransUnion to correct my credit score back to the XXXX normal range ( normal for me ), and if that is not possible, I would like a name and contact information for a responsible TransUnion person who can explain this situation to me and help me resolve it. 
Thank you
Product: Credit card

In XX/XX/XXXX, I discovered four unauthorized hard inquiries on my Equifax credit report from XXXXXXXX XXXX XXXX XXXXXXXX, which led me to believe I was a victim of identity theft. None of those hard inquiries had resulted in opening any new accounts luckily. I promptly filed a dispute with Equifax to have these inquiries removed from my report. Unfortunately, Equifax mistakenly flagged two of my legitimate XXXX XXXX credit card accounts ( XXXX ending in XXXX and XXXX ending in XXXX ) as fraudulent accounts and subsequently reported them as such. 

As a result of this error, XXXX XXXX closed both of my credit card accounts, which I have held in good standing since XXXX & XXXX respectively.I immediately contacted both XXXX XXXX and Equifax both via phone and in writing to resolve this issue, as it was a clear mistake and has negatively impacted my financial standing and credit score. 

Despite my efforts to explain the situation to both companies and provide them with documentation proving that these accounts are legitimate, neither Equifax nor XXXX XXXX has resolved the issue. Equifax continues to list the accounts as fraudulent, and XXXX XXXX refuses to reinstate my accounts, citing the credit report from Equifax. 

This error has caused me significant inconvenience, financial strain, and potential harm to my creditworthiness. The decision to close those two accounts by XXXX XXXX effectively removed {$42000.00} of my total revolving available credit limit ( Almost 40 % of of my total available limit ), which had very negative consequences on my credit score and history. I am seeking assistance in correcting this mistake, reinstating my XXXX XXXX accounts, and ensuring my credit report accurately reflects the legitimacy of these accounts. I've attached the XXXX letters that I sent in writing to both XXXX XXXX and Equifax below.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 an account with XXXX XXXX XXXX  was opened in my name. I noticed it on my credit report on XX/XX/2022. At the time my credit report showed that there was {$110.00} owed on the card. I immediately ( at XXXX XXXX on XX/XX/2022 ) called XXXX XXXX XXXX and reported it as fraud ( at this time the person on the other end told me that she couldn't find an account with my name and the last four digits of my social security number in their system ) and then filed a dispute with Experian. Last week I received an alert from Experian saying that my credit score had dropped and it was due to the fact that the card was now maxed out ( over {$700.00} owed ). I again called ( at XXXX XXXX  on XX/XX/2022 ) XXXX XXXX XXXX to report the account as fraudulent. This time the person on the other end confirmed that there was an account with my name and last four digits of mt social security number. The person confirmed that it will be reported as fraudulent. 
I just received a report from Experian saying that XXXX XXXX XXXX  has confirmed that the account is indeed mine and it will remain on my credit report. 
I never opened this account.
Product: Student loan

The Loan was taken out in XXXX unsure about the month. It was around XXXX or XXXX. When it to getting relief about the loan I was told that the loan did not qualify for any relief programs because it was a consolidated loan. I was unclear about how you can consolidate a single loan. When asked about the consolidation proof and terms of how the consolidation was put into place nothing was ever sent. When it came to repayment I established a payment arrangement but the balance was not going down and it seemed to be going up at an accelerated pace. There has been ongoing calls about this matter since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate names & addresses on my credit file
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit reports, even after your Investigation. I would like this immediately re-investigated. XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated a copy of my updated credit report after your re-investigation.