23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was ordering some gum online and was paying with PayPal which is set up to my bank account. It signed me up for some type of credit and made an unauthorized inquiry on my credit file. I know this because I received an email.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX and have asked them to close the fraudulent accounts and to remove the hard inquiry. They are in the process of closing the accounts BUT the hard inquiry is yet to be removed. I need the hard inquiry dated XX/XX/year> to be removed from Trans Union credit reporting agency. i didnt give permission for my information to be used to open any account. the company is closing the account. I need the hard inquiry removed from Trans Union. A fraud alert will be put on my credit reports.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX XXXX and I purchased XXXX money orders ( $ XXXX ) from a Western Union kiosk in XXXX or XX/XX/2023 however during transport to my house, I lost the envelope containing the money order and receipt. I returned to the kiosk where they provided me the order numbers I then contacted Western Union customer service via email requesting that they utilize the order numbers to investigate and refund the money orders. They said it takes 6 weeks to process but despite attempts to follow up, there has been nothing done to recoup my money. I've tried calling customer service but their automated systems say the customer service can not assist and directed me to refer to their email but still nothing has been done.
Product: Credit reporting or other personal consumer reports

I submitted credit freezes at XXXX and XXXX and had no problems. I have been trying to create an online Experian account, but they can't verify my identity. I called and had them freeze the account over the phone. Now, they are supposed to send me some kind of PIN # but I don't know where they are going to send the PIN # because I don't have an account with them. I tried to call back and speak to a Live Person and explain the problem, but there are no Live People to speak to at Experian. I tried to see if they had a Live Chat, but no, they do not offer this. I tried to create an online account but no luck. There is no way to get a hold of anyone at Experian. Do they people that work there or is it just smoke and mirrors? I also gave them a 1 star review on XXXX XXXX. It should not be this difficult to set up an online account. Again, I had no troubles with XXXX and XXXX. Only Experian. What's their problem? Does someone else need to take over and run this agency better? Thank you.
Product: Credit card

I have two personal credit cards with Barclays. On XX/XX/XXXX I used a convenience check to transfer a balance in the amount of {$25000.00} with a promotional 0 % APR until XX/XX/XXXX. This came with a balance transfer fee in the amount of {$1200.00}. Since then I have made regular minimum payments on the credit card, and paid the balance in full on XX/XX/XXXX, XXXX days before the promotional period expired. 

I have a second card with Barclays, that carries a 0 % APR promotional balance in the amount of approximately {$14000.00}. It has also been paid in regular minimum payments and is in good standing. 

On XX/XX/XXXX, Barclays issued two letters that I received on XX/XX/XXXX. Each stated that there was a change to my credit line, one letter for each card. Both credit lines were reduced stating the primary reasons for change : " Balances too high on revolving accounts '' and " Too many accounts with balances ''.

According to my credit report, I am only using 37 % of my credit, and that includes the two Barclay cards that have a high utilization from Barclay, only because of the promotional offer Barclay solicited to their consumers.

It is clear in my opinion that Barclay is punishing consumers that take advantage of their promotional balance transfer offers by reducing the credit lines of consumers who are holding high account balances because of their promotional offers. I firmly believe Barclay is intentionally damaging consumers by reducing their available credit so that 1 ) consumers are at a higher risk of exceeding their credit limit to solicit more fees from consumers, and 2 ) further damage the credit score of consumers by affecting their credit usage and utilization on consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX account ( stupidly ) in XXXX. It was stupid, not proud of it. I have paid for it. 
XXXX ( creditors ) have been falsely reporting it as opened in XXXX. When I call them about it, they say its a typo and tell me to just wait for it to come off When I asked the credit bureaus, specifically Experian, to please verify it, they said its verified. I asked how- being that even the creditors themselves have admitted it is incorrect information. They say we dont have to disclose to you any verifying documents. I asked, repeatedly, how they could have possibly verified the dates being that even the creditors have admitted they are wrong. They tell me take it up with the creditors. I tell them I have. Over and over again for the past year. They ignore me. 

Im at a loss. Its illegal to report inaccurate information but nobody seems to follow the law. They hang up on me, laugh in my face, tell me to just ride it out. 
I dont want to ride it out. Its against the law. Its illegal to be reporting something as XXXX when it was a stupid mistake I made as a kid. 

Experian has lied about verifying the information. They havent. They have no documents. 

This is illegal and needs to be removed from my credit report.
Product: Credit card or prepaid card

On XX/XX/2018 I received a text message telling me that a purchase was made in the amount of {$220.00} at XXXX XXXX. I called Netspend immediately to report the transaction and to have my card cancelled. On XX/XX/2018 I received a letter from Netspend stating that they did not find that any error had occurred. At that point I called XXXX XXXX to find out who purchased the ticket and where they flew from and to. I found that the ticket was purchased in XXXX, XXXX by a male named XXXX XXXX and that he flew to XXXX. I live in XXXX, XXXX which is near XXXX and have never been to Texas and did not authorize this purchase and have never heard the name XXXX XXXX. I relayed this information to Netspend and was told that they would investigate it further. This was about a month ago. I have called and requested for their Fraud Dept. to call me back and have not received a call back. It seems that they do not have a direct line for you to call for their fraud dept. I made another request today and as of yet have heard nothing.
Product: Credit card

I am submitting a claim because I was charged hidden interest fees on my Capital One credit card that were not clearly disclosed. I noticed that my monthly statements included charges that seemed to be interest, but they were not explained clearly in the terms or disclosures I received when I opened my account. As a result, I ended up paying more than I expected due to these hidden fees, and I was unaware of how these fees were being applied until I reviewed my statements closely.
Product: Debt collection

I received an automated call that was a looped recording from a blocked number. It did not identify the company calling, the reason for the call, or have any way to speak to a human being. It kept insisting the matter was important and that I call another number ( XXXX ). I tried the number several times before finally getting a human being, who still did not identify the company or the reason for the call. After attempts by this person to get personal information that I refused and back and forth arguments they finally identified themselves as C.S.C. ( Collection Service Center ) and that they were collecting a debt. They refused to inform me of the original creditor or the nature of the debt unless I provided personal information ( which I refused ). As I have no legitimate, outstanding debts at this time that are allowed to be collected upon this call strikes me as a phishing scam. Several aspects of this exchange are in violation of numerous sections of the Fair Debt Collection Act as well as the Telecommunications Consumer Protection Act. The only outstanding, unpaid debt I should still have has been disputed for more than 15 years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

on XXXX, i sent a complaint to XXXX, XXXX, and experian informing them that i was a victim of identity theft and by the FCRA requesting that the information to be deleted after 4 business days. today is XXXX XXXX and its still reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review.
Product: Credit reporting

In  XXXX  of   XXXX   I received my credit report and found there were  XXXX  collections being report by convergent outsourcing for the amount of  XXXX  and  XXXX . Upon placing a call with them i was told that these account were in collection for  XXXX   XXXX . The young lady on the phone gave me the addresses of both accounts. This is when I discovered that someone had stolen my identity. I filled out a forgery affidavit, had it notarized and made a police report. All of this information was sent into the credit report, and to   XXXX   XXXX   as well. all of this took place on  XXXX / XXXX /  XXXX  . It has been over a month and no one will tell me anything as to why these accounts are still reporting on my credit bureau.
Product: Checking or savings account

I am filing a complaint regarding Capital Ones failure to deposit my direct deposit from my employer and any other deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Mortgage

My mortgage was sold on XX/XX/2024 to Mr. COOPER. My payments are due on the XXXX of each month. I have tried logging into my XXXX account for two days to make my payment but I keep getting funneled to Mr. COOPER. Mr. Cooper will not allow me to generate or start a new account to make payments. I have tried reaching out to customer service but I can not get past the automated system to get to a human being. The automated system doesn't recognize my social security number or account number. I keep getting hung up on or kept in a relentless loop of asking for my social security number. I think it's highly unprofessional to not have an option for customers who are in a mortgage transfer process they DID NOT ASK FOR to speak to a human being about the next steps in their loan. What if I didn't check my email? How would I even know? I haven't even received a statement from this company. IXXXX XXXX XXXX
Product: Bank account or service

Prior to XX/XX/XXXX, I had a {$200000.00} line of credit with Key Bank. In addition to my line of credit, I also had a checking account with Key. On XX/XX/XXXX, I paid off my line of credit and closed my checking account. I did this in person, and received the cash from the closure of my checking account. In XX/XX/XXXX, I received a notice from Key Bank indicating that I owed them {$150.00}, and that my failure to pay them resulted in them " charging off '' my account. I immediately went into a Key branch to discuss the matter with a bank XXXX. During this meeting, the XXXX told me that my account had been " automatically reopened '' and in doing so, several fees were charged to my account in the amount of {$150.00}. I expressed my anger at how an account could automatically be reopened without my authorization, and the XXXX assured me this would not be reported to anyone, and would not impact my credit. I requested a letter from the XXXX indicating that my account was reopened without my authorization, and that this was an invalid debt. The XXXX said he would send me a letter over email. I did not receive an email, so I was forced to reach out to the XXXX several more times. I finally received an email from the branch XXXX stating that I had an account, it was reopened, had incurred fees, and that Key would send a check " on [ my ] behalf '' to satisfy the account. I wrote back indicating that was insufficient since his email was written in a manner that refused to accept responsibility, and also refused to state that my account was reopened without my consent. I emailed again requesting specific information, and would not get a response. I finally did receive a response from the XXXX indicating that he would not provide me with a letter stating that Key did anything wrong, and then provided me with the phone number to Key Bank 's legal department. 
Upon receiving this, I contacted the regional XXXX via email and explained my situation. He wrote back saying that he would look into it, and get back to me at the beginning of the week ( XX/XX/XXXX ). I have not heard from the regional XXXX, and he has not responded to my emails. 
My account has now been reported to XXXX, and I am spending an extreme amount of personal time trying to find resolve. Key Bank refuses to assist.
Product: Debt collection

To whom it may concern : Allied Interstate is attempting to collect a debt that was included in the bankruptcy which was discharged XXXX/XXXX/2015. This is the second time that a collection company is attempting to collect this debt for XXXX. 

About a month ago, I filed a complaint against Allied in XXXX XXXX, Nevada who even reported me to the credit bureau causing my score to plummet XXXX points. Because of the CFPB, Allied removed it from my credit report, however, the score never fully recovered. 

This is harassment that I am getting 'bounced around ' from XXXX collection agency to the next. Attached is the letter they sent me. I spoke with XXXX and XXXX yesterday regarding the bankruptcy. I hope this is the final letter.
Product: Credit reporting or other personal consumer reports

Contract was cancelled for XXXX auto loans and its still reporting as open on account. Auto loan needs to be deleted from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX .... I am writing to dispute a fraudulent charge on my account in the amount of {$5.00}, XXXX. I am a victim of identity theft, and I did not make or authorize this charge an account was placed under my name erroneously. Since then, XXXX XXXX XXXX has damaged my name, and my credit XXXX XXXX XXXX has entered derogatory information into my credit file. I should not be responsible for XXXX XXXX XXXX mistake. XXXX XXXX XXXX has resource to enable accurate information about the clients inquiring new services. XXXX XXXX XXXX allows an account to be placed under my name erroneously. XXXX XXXX XXXX should verify all information prior to approving any application 's for services.
Product: Payday loan, title loan, or personal loan

I originated a loan with Mariner Finance for approximately {$4500.00}. After a few months I borrowed more money for a total of about {$8500.00} dollars. The last week of XXXX, I consolidated my debts with XXXX XXXX XXXX in XXXX XXXX. In all, there were about 5 institutions that were sent out a check to be paid off. These institutions included Mariner Finance. Of all the institutions, Mariner Finance in XXXX XXXX XXXX, FL ( Closest in proximity to XXXX XXXX XXXX XXXX ) supposedly did not received their check. I have waited 3 months while still making a {$260.00} payment on the Mariner Finance loan. I stopped payment because they were supposed to get the check 3 months ago. A second attempt was made to pay the loan and there was still problems with executing the payment. loan originated at approximately 34 % APR. The loan now sits at about 28 % APR. I contacted a regional manager who said, well if we have not received the payments, theres nothing we can do. I called and spoke to him on Tuesday, XX/XX/XXXX. I am still making payments on this loan since it was supposed to be paid off in XXXX. My credit has been ruined more from this loan. visited the XXXX dealership to trade in my XXXX  XXXX for a newer model. However, because Mariner Finance has a lien on the car, I can not trade my car in for the newer one. It has been three months since my initial attempt to pay this loan to no avail. I called Mariner Finance and told them I had the cash, a bank account, or a personal check to pay off the loan. However, This was supposed to be a quick emergency loan to get out of an immediate financial obligation. This was not supposed to be a loan where I would have to call the corporate office in Maryland to try and get someone to help me.
Product: Debt collection

I looked and reviewed my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX Account Number : # XXXX, are not complete and accurate. 

And one more thing according to Under 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information you furnish. I request an immediate investigation into these inaccuracies and the correction of any erroneous late payment entries.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Why am I still receiving emails from the bureaus claiming XXXX assisting credit repair companies? This is incorrectI send the letters myself. Take action now, or I will pursue legal action. Here is the list of negative accounts and inquiries I want to remove. 

XXXX : XXXX XXXX  XXXX Account Number : XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX Experian : U S DEPT OF EDXXXX ( CONSOLIDATED DIRECT LOANS ) Account Number : XXXX {$31000.00} XX/XX/XXXX U S DEPT OF ED/XXXX  ( Original Creditor : CONSOLIDATED DIRECT LOANS ) Account Number : XXXX {$22000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX Account Number : XXXX {$2400.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Some accounts are even older than seven years. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates a federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute for XXXX BANKRUPTCY XXXX XXXX AL XXXX -- # XXXX with experian. I received to response from them or no reporting that the account was in dispute. Over 45 days later I sent another letter asking for the removal of this account because it was past the 30 day mark to investigate. I still have received nothing from this bureau as of today XX/XX/2020. I'm asking the CFPB to help me with this issue. thanks
Product: Credit reporting or other personal consumer reports

Notice to agent is notice principal notice to principal is notice to agent : Furnishing credit report to person without permissible is in violation of 15 usc 1681 ( b ) ( c ).

15 usc 1681a states that a consumer report does not include information solely as to transactions or experiences between and the person making the report is excluded .15 usc 1681b ( 3 ) that permissible purpose must be given .15 usc 1681e that such report must be fair and accurate, I have noticed some inaccuracies on my report; such payments, closed accounts, balances
Product: Credit card or prepaid card

I, XXXX XXXX purchased carpet at Home Depot. I went to the store twice. The first order I cancel it and purchased another color. Home Depot did a bad job with the installation on the carpet. I called them and they stated that Home Depot settled the matter with me and they refused to look into the matter. <P/>Citibank should not take sides with Home Depot I am the one paying them. And Home Depot and I are in the courts over this case. But Citibank should look at what information I am telling them and showing them that the amount on the card was wrong they do n't care they refuse to speak with me and they are my bank. CITIBANK SHOULD LOOK INTO THIS MATTER AND TAKE OFF MY CREDIT CARD WHAT I DID NOT AGREE ON PAYING. <P/>XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX