23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Paypal transaction ID XXXX - sent {$100.00} to XXXX XXXX ( XXXX @ XXXX  ) to place a hold until the weekend on bunk beds listed on marketplace. Person is no longer responding and has taken the item off marketplace. Name is suspicious and appears they have made a fake XXXX profile XXXX XXXX I paid {$100.00} and have received nothing for it. I should have known better. I have definitely learned my lesson and most likely will not use marketplace ever again! I would like to stop this person/group for others and hopefully get my money back.
Product: Debt collection

On XX/XX/XXXX I call to advised Transworld Systems Inc. that the debt they're attempting to collect on behalf of the reference Creditor 's Account # XXXX from the facility XXXX XXXX XXXX XXXX XXXX was settled and cleared in a letter dating XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX stating : " This letter is being sent to notify you that a charity write off has been applied to the account listed on this letter. The account is now considered closed. '' Transworld on the XX/XX/XXXX phone called referenced another medical company " XXXX XXXX '' unbeknownst to me and not found nor referenced on the debt collection letter.
Product: Checking or savings account

On XX/XX/XXXX, I opened a savings and a checking account with Everbank. At account opening, I deposited {$100.00} into each. I never had a chance to set up direct deposit so never used the account, but did activate our debit cards. I finally deposited find and have been unable to use the debit card or access even a {$1.00} of funds. I just called them and they told me they'd not yet gotten around to verifying my account so they will not release any funds. I asked to be transferred to someone else and their representative, XXXX, explained to me that she didn't care much that it's been 60 days since I put money in it. Their team would try to get back to me in 2-3 business days, leaving my family with literally thousands of dollars but completely broke. This is absolutely devastating.
Product: Checking or savings account

I went into Chase bank to open a new CD account I then wrote a check for the deposit of {$100000.00} and the check was made out to myself and the check was written from my checking account at XXXX. The women that helped me was XXXX XXXX at XXXX and she told me their system was down but it went back up so she opened the cd account and gave me a receipt showing the account number and funds deposited. I then noticed the account did not show up on my online banking and also when I called the chase phone number it said I had XXXX dollars in the account which was on XX/XX/2023. I went back into the bank twice since the day I opened the account and was told they were working on it and also called the customer service number and was told the money would show up in my account on Tuesday XX/XX/2023 but it never did. I checked with XXXX and the check was cashed and I have a copy of it. It was cashed by Chase Bank. The money still has not shown up in my account online or by phone verification. But was debited out of my XXXX account. I do have the receipt of the deposit. 

I keep getting told it will show up but it never does and I was told this many time. It has been 9 days since opening this account but they did not put the money in my account. The banker XXXX told me that there was nothing she could do that corporate has locked this acct. Also the Vice President XXXX XXXX also said that he could not do anything about this. I have a receipt for the deposit and the copy of the cashed check but where is my money? It is not showing up on my online banking and when I call the Banks phone number and punch in this CD account number it does recognize my acct number and the automated system says I have XXXX dollars in that account. I would like to know what they did with my money. They keep saying its a computer glitch. But nobody is doing anything to fix it.
Product: Debt collection

In XX/XX/XXXX this account was closed, items returned, and had a XXXX balance. Consumer is now trying to collect money that I do not owe them. It has been 4 years since I have had any contact from them. I feel this is fraudulent in the amount and should be dismissed. I never went back to this consumer, and since it has been 4 years, and they are trying to collect an amount that is not true, I feel it is fraudulent and the collection company is committing fraud. I have never had any contact from them until XX/XX/XXXX. I pay my bills and am responsible for proven bills. There has been no proof of my owing this, other than what they put on my credit report, and it is erroneous. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an ongoing investigation by cfpb complaint # XXXX regarding Equifax. 
I just checked my Equifax Credit Report today on XX/XX/XXXX and found out Equifax has recently added additional Fraudulent information into the account XXXX that is currently being investigated by Consumer Financial Protection Bureau. 

In addition to what I already reported. Equifax recently put a New Fraudulent Last payment date of XX/XX/XXXX. Fraud Also a Fraudulent Date reported of XX/XX/XXXX is still there Original Equifax Report has a date of date reported as XX/XX/XXXX. 

Both Original Equifax Report and Current report attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no problem with my NELNET student loans, other that to claim that NELNET automatically posted my student loans as 90 days late, while the four accounts were in deferment. I would appreciate full disclosure from NELNET to clean up my payment history and delete the negative payment history altogether. This violation s purely against my rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. The negative payment histories on all four accounts must be erased immediately and permanently.
Product: Debt collection

In XX/XX/XXXX, my auto loan was charged off, after several attempts on my part to bring the loan up to date with no assistance from American Honda Finance. This year as I was reviewing my credit report as I do every year, I noticed that American Honda Finance reported this same charge off as a new debt to all 3 credit bureaus. Each with different information as to dates, payment history and amount owed. This is inaccurate as the charge off has been over 7 years old and should be removed from my credit reports immediately. I notified all 3 credit bureaus and 2 successfully removed them because American Honda Finance could not provide proof that I owed this debt. XXXX did not remove the debt and has now updated my profile with even more inaccurate information that American Honda provided them. This information has yet to be provided to me as I have asked multiple times. According to the XXXX rep, that I spoke with today, the debt will continue to be reported until XX/XX/XXXX, while their response to me in writing is that the debt will continue to be reported until XX/XX/XXXX. Again inaccurate information. This debt should have never miraculously reappeared in XX/XX/XXXX, as this was the year that it was to be removed. I am concerned that American Honda Finance will continue to report this debt every year in order to harass me. I need any assistance I can in this matter, as this is hindering my credit profile.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX XXXX XXXX account was opened fraudulently resulting in a balance of {$11000.00}. Also XXXX inquiries. XXXX  initiated on XX/XX/XXXX. XXXX initiated on XX/XX/XXXXXXXX XXXX initiated XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early in XXXX I received a notification from XXXX XXXX   asking if I had closed a account with XXXX  XXXX, I had not. They filed for bankruptcy and they are having to close most of their stores. I disputed it and after " resolution '' I am still down XXXX points on my credit score from this, which took me from a good standing to a mediocre XXXX. I have now been in contact with XXXX XXXX the past few days and they are giving me the run around. On their website it shows no where that my account is closed and would still let me change my credit limit on it if I wanted to. They could not verify that my account was closed or why it would be closed or literally tell me anything. Each time a different no name person responds with answers that do not answer anything. I asked them why my account was closed and inquired as to why I never received anything in the mail, any notification on their website in their notification center, or received anything to my email ( which they are still currently sending me emails for their huge sales on clothes they are trying to get rid of ). When i opened this card it never had to be continuously used, I did not have a outstanding balance, I never payed late, I never had a single negative mark on that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some inquiries that appear incorrect. I ALSO FOUND TONS OF INACCURATE INQUIRIES ON THE CREDIT REPORT. As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, driver 's license, and bank statement. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE INQUIRIES AND ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE INQUIRIES THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. 15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! ALSO I ATTACHED ACCOUNTS THAT WERE REMOVED BY XXXX THAT NEEDS TO BE REMOVED ON YOUR END XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
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 itXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Credit Card Opened by the Thief Company or Organization : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$0.00} XXXX XXXX XXXX Account XXXX or Organization : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX or Organization : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$22000.00} XXXX FUNDING {$88.00}
Product: Debt collection

We received a letter in the mail, written XX/XX/XXXX from McCarthy, Burgess, and Wolff, stating we have a balance of {$3500.00} that must be paid on behalf of a closed worker 's compensation account from XXXX with XXXX XXXX XXXX. The letter indicated their client is intent on " looking to resolve this claim in the easiest manner possible '', and that action will be held until XX/XX/XXXX, pending receipt of a check. 

The letter further proceeded to instruct in making a payment to their client ( XXXX XXXX XXXX ) in the amount of {$3500.00} and mail the remittance to their office ( McCarthy, Burgess, and Wolff ) at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX An additional option was to pay online at : www.mbwpay.com, or over the phone, XXXX. 

We called Employers to verify if there was a balance due and they confirmed the account was closed in XXXX, and there was no balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans are showing up as Delinquent. I am a 100 % combat related XXXX veteran and my student loans were XXXX in accordance with the law. The credit reporting agencies are still reporting negative and open loans.
Product: Checking or savings account

I have a recurring payment set up with this company, XXXX is the name on the initial transaction, from my debit card ending in XXXX from M & T bank. It is a recurring payment in the amount of XXXX dollars every Friday for XXXX weeks. It was a purchase for a program I need. On XX/XX/year> the company mentioned above attempted a transaction in the amount of XXXX as I agreed to, I got a text message from M & T with a fraud alert asking for a Y or N reply if it was me. I replied y. The next day the company mentioned above tried the transaction again and again I got a text message from the fraud department and again I replied Y it is me. Still denied. So the company is patient I have been in contact with them wasting my precious time. I called the bank this morning, was asked a series of questions pertaining to my account, then I was asked what these transactions are for, and that was it, I lost my temper. This has NOTHING to do with a fraud " protection '' and everything to do with an invasion of privacy. That bank wants to know who my payments are going to in XXXX. Bottom line here is, I paid the initial XXXX dollars, my account was positive for the automatic XXXX dollars, plus I paid the international fees. I want this bank reprimanded for not minding their own business when I called and answered all the questions pertaining to my account, and was still denied a service provided by that bank because I chose to not provide information that is not needed to them. Who I pay and what for is my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately sometime in XXXX XXXX. 
My estranged brother contacted my mother to say that a collection agency XXXX & XXXX XXXX has been calling his residence asking for me and whether I lived there. 
My estranged brother who I have not seen or spoken to in 20 years informed XXXX & XXXX XXXX that no one by that name " XXXX XXXX '' lived at his residence. He, my estranged brother stated to my mother that XXXX & XXXX XXXX has been calling his residence on several occasions early in the morning and late at nights harrassing his family asking for XXXX XXXX and telling my estranged brother that I need to pay a debt or else. It is when my estranged brother who happens to be a lawyer threatened them with XXXX & XXXX XXXX with legal actions -- they stopped calling. 

The calls never stopped. They, XXXX XXXX XXXX XXXX- searched to located who had my last name and which individuals who was linked to my last name. They, XXXX & XXXX XXXX found my elderly XXXX XXXX XXXX parent phone number and also called my parent many times throughout the day threatening my mother that she should give them my contact details and that I owe them XXXX & XXXX XXXX money. My mother was extremely upset where she was having chest pains. 
Those are the abusive practices that XXXX & XXXX XXXX did. 

XXXX & XXXX XXXX XXXX added a negativity to TransUnion and XXXX. I DO NOT OWE XXXX & XXXX XXXX any monies. 

I have sent TransUnion Letters. I have Sent Experian letters. Also, I have sent letters to XXXX Disputing the report that I do not owe XXXX & XXXX XXXX and that they should Delete/Remove it from my Credit Report. 

XXXX - Responded and Delete/Remove XXXX & XXXX Collection from my Credit Report TRANS UNION - I have sent several letters -- Transunion have Not removed the Incorrect Information XXXX XXXX XXXX XXXX XXXX 

XXXX : I have sent letters to XXXX as well - They never responded to my letter that I sent them on XX/XX/XXXX Disputing the incorrect information. 

Please help me with TransUnion and XXXX. Even though both XXXX XXXX has Listed incorrect information -- They have not deleted. 

Many thanks in advance for your help. XXXX Bless you and Please stay safe.
Product: Checking or savings account

hello, my account is : XXXX I use chime debit card fees in XXXX  and I have been using XXXX. I downloaded XXXX XXXX, an app that uses TV and modification techniques to trick toys. I tried to ask them for a refund and they agreed, but I never received it. XXXX said to refund the XXXX, now that I have not received the money, the XXXX account is closed
Product: Mortgage

NationStar mortgage called me on X/XX/17 with an offer to refinance my ARM mortgage. Spoke to XXXX for over an hour inquiring in about the rates, terms, closing costs of the HARP eligible refinance. Based on conversation, it sounded like a good deal to move forward to so I agreed to have my credit pulled to continue further ; however, once that was done, the conversation felt very much as bait and switch ; each rate quoted was at the top end and the closing costs were double the original discussion AND for the first time Points were mentioned. Prior to this, for the full hour, there was no mention of points at all. When I called this out, as a bait and switch, XXXX went silent, tried to defend himself, and then ultimately hung up on me. Now my credit file has bit hit with a formal inquiry, I 've wasted time and it feels very much like a bait and switch, unfair and abusive act practice of this mortgage company that has had these type of problems already.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account SEARS/CBNA which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that SEARS/CBNA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have membership with all three credit bureaus agencies XXXX, XXXX and TransUnion. Who allow me to dispute incorrect information on my credit reports. I pay XXXX {$4.00} each month for credit plan, I pay XXXX {$4.00} each month for credit plan. I also pay TransUnion {$24.00} each month for credit plan. I dispute student loan on my credit report that should be closed and not open. Because four month ago I file complaint against XXXX XXXX XXXX XXXX. About me owing {$45000.00} in student loans. I feel I have been taking advantage. By me being XXXX man who was held back in not graduating with XXXX XXXX degree. Who only borrow {$5000.00} student loans. It fraud. Something using to hold me back from accessing good credit.
Product: Credit card or prepaid card

I am trying to purchase a house and Macys/DSNB reported me 30 days late over a {$3.00} fee that resulted in my middle mortgage score dropping XXXX points. 

I am in the process of buying a house and that thirty day late will cost me an additional {$100000.00} plus over the life of the loan and additional costs per my loan officer.

Briefly I paid the entire balance on my card of {$300.00} before the statement closing date of XX/XX/2022. Macys tacked on a fee of {$3.00} cents for a balance of {$140.00} subject to an interest rate of XXXX percent. How that is possible when my balance was {$0.00}? 

My XXXX statement had a fee of {$3.00} which I didn't review because I don't monitor accounts that have a XXXX balance. That {$3.00} is I believe what created the 30 day late. 

I used the card in XXXX and paid that bill in full on XX/XX/XXXX, I tried to dispute the late from the bureaus but that attempt was unsuccessful My credit was perfect until this happened and I want the late removed and my credit score corrected.
Product: Consumer Loan

FLAGSHIP CREDIT : I am being called on a regular basis by a lending company that I have no loan with. I was apparently used as a reference without permission. I have asked on at least five different occasions to be removed from the account and to stop all calls, but I still continue to get calls. I want to file a formal complaint. The company continues to harass me and leave messages. Several of their supervisors have confirmed that the account reads -- do not call -- but they continue to call.
Product: Debt collection

The property XXXX illegally submitted an erroneous move-out charge to collections despite the amount being in dispute, without notification of its dispute status. The collection agency was made aware of the dispute by me. The property XXXX stated in writing on XX/XX/year> that the amount was corrected to {$0.00}. The collection was placed on my report XXXX months later, despite it being resolved.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>2023 XXXX XXXX  XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XXXX  XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX XXXX XXXX/2023XX/XX/year>
Product: Credit card or prepaid card

On XX/XX/2019 I saw on XXXX XXXX XXXX and XXXX were reporting that between XX/XX/XXXX and XX/XX/XXXX my balance increased from XXXX to XXXX dollars. On XX/XX/XXXX I drove to my local Kohls store to ask why as to the best of my knowledge neither my wife or I have used this card. Store clerk said I would have to call the 800 number on my card as she had no way to tell, I paid the XXXX dollars with her and went home. On XX/XX/XXXX I called the 800 number and was told that since my wife was the primary on the account he could not tell me what the XXXX dollars was for. My wife has been in the hospital since XX/XX/XXXX and still is. All I wanted to know is what the XXXX dollar charge was for. I spoke to a supervisor and he told me the same store that it was Kohls policy to only speak to the primary account holder. 

I asked how do you have the right to place anything on my credit report and yet wont tell me what it is and he related that was Kohls policy. I don't feel this is moral, I really cant believe it is legal.