23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

XXXX ( now owned by Early Warning ) is denying me access to a financial service ( money transfer ) due to wrong information about me that they are using, which they will neither share with me nor let me protest or correct. I am trying to transfer money between a savings account at XXXX XXXX and a checking account at XXXX XXXX Bank using XXXX ( XXXX XXXX uses XXXX for their SurePay service ). I initiated the transfer via XXXX XXXX, and XXXX asked me to enter my address, phone number, and last XXXX digits of my social security number. Although I am 100 % sure that the information I entered was accurate, I was notified by XXXX that the information did not match their information. After XXXX attempts I was notified that I am now barred from XXXX service and can never use it going forward. I called XXXX customer service, and was told that my current address does not match their information. I explained that they must have the wrong address for me. I 've been at my address for two years, and asked how I might escalate and have them update their information. They said there is no way to do this, that there is no process for me to escalate or appeal, and that I am barred from using their service forever. They were not even willing to take down a complaint for me. XXXX XXXX does not have another way to transfer money without fees. I am thus denied this financial service based on XXXX 's reliance on misinformation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX says I have a collection of {$790.00} that is false. I called Equifax and I was told it wasn't me and it would be fixed.Few days later the collection from XXXX XXXX XXXX was REMOVED. 
Then I recieved a call from XXXX XXXX XXXX threatening to put the collection on my XXXX ... A few days later the same collection that equifax removed because it was not my collection founded by equifax after completing their investigation. The Company XXXX XXXX XXXX calls me the next day making threats to put the collection back on my XXXX ... in a few day later it was back on my XXXXremember it started at XXXXI disputed it 10 times then it was removed..then XXXX XXXX XXXX ADDED IT TO MY EQUIFAX..ITS BEEN A BACK AND FORTH WITH THIS COMPANY FOR YEARS NOW. NOW THEY SENT ANOTHER COMPANY BY THE NAME XXXX XXXX XXXX THEY'RE HARASSING ME WITH EMAILS AND CALLS. 
THIS has got to be illegal..I want to sue for all these yrs my credit score being affected due to this company and their fraud ways
Product: Credit card or prepaid card

Opened a credit card account with Wells Fargo in XX/XX/XXXX AWSOME bank by the way ended up closing the account in XX/XX/XXXX and payed off in full after closing. Pulled my credit because now I do XXXX XXXX and I see its reporting still and also has a late payment which is stoping me from getting loans with my company because of the late payment and it still reporting after being paid in full.
Product: Debt collection

I was garnished through my employer in XX/XX/2007 and paid the debt in full. They are now coming back after 10 years saying I owe them more money and adding interest for the 10 years.
Product: Student loan

My loan was transferred to this company right after the loan was disbursed to me, and ever since then I have had multiple issues. I made a payment of {$30.00} on XX/XX/XXXX, however when I checked my account at a later date, the payment was never applied to my balance. After calling MULTIPLE times and speaking to multiple different representatives, there was still no resolution. I was always told that an account specialist would contact me but I was never contacted. I later made another payment on XX/XX/XXXX that was not applied to my account, and now my interest is much higher than it should be. The service from this company is disgusting and my complaints always fall on deaf ears. Every time I call no one acknowledges my concerns, and they always give me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian on several occasions because i noticed unauthorized hard inquires on my credit report for random creditors and sources. 

Experian refused to allow me to dispute any of them, i was told i can not dispute hard inquires with experian by customer service and management and was told although i did not make them i will need to wait 2 years until they fall off. 

Experian has been mixing my credit report with someone else, they had my name spelled wrong in about 5 different variation and added other peoples address on my report, places i never lived or even heard of.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove them My information may have been impacted by the Equifax, XXXX and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
2. Copies of any signed agreements or contracts pertaining to the debt. 
3. Evidence that your company has legal standing to collect this debt. 

15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file. 

Its unbelievable that neither the credit bureaus nor the companies involved can recognize this as fraudulent. Why would I open three credit accounts and go delinquent on all of them? If these accounts are old, its illegal for any company to change the original open date to a recent year just to reset the seven-year period for negative items to remain on my credit report under Ohio law . That, in itself, is fraud.
Product: Vehicle loan or lease

i purchased a car thru capital one finance ... i have already filed a claim and the have responded back from my claim ... .they said the reason i was charged 13 and 1/6th percent is because the loan went over by XXXX ... ..if that was the case why was i not told that why was i not giving the opportunity to accept or decline the new percentage rate ... .why was i not given the opportunity to pay the additional XXXX ... ..why would i allow cap one to charge me 3 percent onto my loan over 6yrs just because the loan went over by XXXX ... ..no one gave me the opportunity to make that decision ... ..noone ever said or explain to me that the reason the interst rate was higher was because the car loan went over by XXXX ... ... cap one can not make that decision for me ... .i should have been given the opportunity to make the decision not cap one ... ..
Product: Debt collection

My unpaid tolls went to this collection agency. I paid the amount in full XX/XX/year> for {$250.00}. There has been no update from this company! The XXXX in Massachusetts has not received any notification that my tolls have been paid therefore I can not renew my registration on my car! I am a XXXX and work full time, I need my car and I have had to pay extra to take XXXX and public transportation.
Product: Credit reporting or other personal consumer reports

Previously I had opened up 2 loans in which 1 has been paid in full. However, the company 's name for the current loan is correct ( XXXX XXXX ) but 2nd personal loan is showing up as " paid off '' and yet the name of the company is not correct. This company is not one that I even recognize ( SST ). However, it shows up twice on my credit reports. The company is listed under the name " SST '' This company states that the two loans were recently " paid off. '' The 1st loan for {$10000.00} says it was paid off and closed in XX/XX/XXXX. The 2nd personal loan for {$10000.00} states it was closed on XX/XX/XXXX. 

The company " SST '' is not a company that I have ever opened up a loan under. 

I am needing this company, which is listed twice on my credit reports, removed from my credit and removed from all of the credit reporting agencies. 

My credit score has dropped over 14 points due to this company reporting 2 personal loans, and reporting that the 2 loans had been opened and closed. Showing both had closed very recently. 

I have read other individuals posts on this company and who are in the same boat as me, and they all state that it's hurt their credit rating, as well. 

I am asking for your assistance, to help me in having this company removed from all of my credit reports and removed from all of the credit reporting agencies. Any help would be greatly appreciated. Thank you.
Product: Credit card or prepaid card

I purchased jewelry from XXXX  XXXX on XX/XX/17 using the XXXX XXXX Store credit card from XXXX XXXX. I returned this item within the 30 day window had my RMA return number : XXXX issued on XX/XX/XXXX. I received a return confirmation from the XXXX XXXX company on XX/XX/17 that they received my return. I used certified mail to return my shipment to the company and they received it on XX/XX/17 which was prior to my payment being due. However due to a 5-15 business day window that they used to inspect my merchandise upon return, they didnt credit my account back for the merchandise return until after my due date was missed and I was charged a {$39.00} late fee. They fully credited the original merchandise and that showed up on the Next statement but because of their inspection processing window they did not issue the full credit when they received the return they only issue the full credit after my due date was missed and my account incurred a {$39.00} late fee. I have refused to pay this {$39.00} fee and have told them that the merchandise was in fact returned to them in its original condition prior to my bill being due. They will not waive this even though the late fee is representing their internal inspection process and not my failure to pay for or return their merchandise. This {$39.00} has now turned into three months of additional late fees and additional interest charges on those late fees, which I believe is illegal. I feel this is completely unfair and they should have issued a provisional credit to my account once they received the merchandise return on XX/XX/17. I dont think my credit scores should be impacted because of their process. They need to remove the late fee and the late fees on top of late fees and expunge all late payments completely from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX AUTO LOAN: 
ACCT XXXX LOAN 101: 

THAT LOAN SHOULD ONLY BELONG TO MEL SOLE OWNER AND NOT WIFE. 
XXXX XXXX: XXXX DOB XX/XX/XXXX
XXXX XXXX XXXX" XXXX   DOB XX/XX/XXXX (SHE HAS BEEN REMOVE)
Product: Debt collection

I am writing regarding a collection account that is being reported in my credit report on potential violation of fair credit and debt collection laws. 
The collection account in question is reported by BANK OF AMERICA has a balance of {$8900.00}. Despite the account remaining on my credit report, I have not received a Form 1099-C ( Cancellation of Debt ) as required when a debt is canceled or discharged in accordance with IRS guidelines XXXX 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and collection agencies must ensure accurate and fair reporting. Reporting a debt without issuing a required 1099-C form raises questions about the validity of the debt and compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my XXXX credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote XXXX a letter on XX/XX/XXXX to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay XXXX wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a XXXX XXXX with very high education and i am able to write my letters of dispute without need for a third party. 
XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist. 

COMPANY : CREDIT TECH INQUIRY DATE : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Attached is the letter i wrote to XXXX and the letter XXXX wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Credit reporting or other personal consumer reports

Experian issues are never ending. 
I believe I'm the victim of retaliatory actions from Experian. 

Please note : After I filed complaints against Experian, for the credit monitoring services charging my credit card and refusing to allow cancellation... I was completely locked out of my account for years! 

Now, my FICO is suspiciously lower than the other bureaus '! 

After many years of my entire Experian credit history not being available... 
Now I have an inaccurate and very low FICO score available.

Experian is reporting a FICO score of XXXX Whereas both XXXX and XXXX report a FICO of XXXX That's too huge of a difference. 

The credit history generating these very different scores are the same. Meaning all three bureaus are reporting the same credit history... But Experian is reporting a totally different and much lower FICO score for the exact same credit history.
Product: Checking or savings account

My XXXX XXXX  account has been over charged for overdraft fees for years. Would love to keep banking with them but I have lost so much money. Ive banked with them since XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 60 days 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. 

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 befor
e 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: Money transfer, virtual currency, or money service

XX/XX/XXXX at XXXX XXXX Coinbase sent a message that they were restricted my ability to Buy & Sell Bitcoin because they say I was reselling of digital currency via other services. 

XX/XX/XXXX XXXX I opened a support ticket [ Case ID : XXXX ] requesting my limits to be restored since I have never resold digital currency via other services. 

XX/XX/XXXX XXXX I downloaded a full history of my transactions that contains questionable transactions that do not belong to my account and attached for report to the support ticket. 

XX/XX/XXXX XXXX Requested for ticket to be reviewed and resolved. 

XX/XX/XXXX XXXX Received a message that my limits have been increased but the Coinbase system does not reflect the change. I updated the support ticket with this confusing message from Coinbase. 

XX/XX/XXXX XXXX Requested for ticket to be reviewed and resolved. 
Also direct messaged XXXX XXXX on XXXX Also private messages XXXX on XXXX XX/XX/XXXX XXXX Requested for ticket to be reviewed and resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this final good will letter to inform you that i am seeking litigations against your company. I am a victim of identity theft which my personal information was leaked during a credit breach which my credit and life in general has suffered severe pain. Life has been really difficult for me in the recent past months. I have been denied credit for something i have no control over where my information was leaked causing fraudulent accounts and inquiries to be placed onto my account. I am in distress and i look to resolve this matter as soon as possible within 3 business days. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Product: Checking or savings account

Navy federal closed my account. I had to reopen an entire new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting Agency claims an account was opened on XX/XX/XXXX with a freeze in place on credit report. Report states the account was first delinquent on XX/XX/XXXX. Disputed it on XXXX, report does not show that I disputed either credit reporting agencies, on XX/XX/XXXX got an email stating that I requested the dispute be canceled which I did not. All 3 credit reporting agencies say they investigated, verified, and got results in one day on XX/XX/XXXX over a 3 day weekend holiday which the business was closed, which they should be able to delete this in 3 days. No inquiries is reported from either agencies. They got the verification letter I sent on XXXX asking the reporting agency to verify this account was opened on XX/XX/XXXX in writing and over the phone or Delete. Last checked my credit report it still shows the same account with inaccurate info. The reporting agency has different addresses for this business. Thank you.
Product: Mortgage

The Servicer of my mortgage ( Banco Popular de Puerto Rico ) foreclosed my home. 
Banco Popular de Puerto Rico is only the servicer. Banco Popular de Puerto Rico bought the servicing rights on XX/XX/2008 to the original lender, XXXX XXXX XXXX XXXX. 
Banco Popular de Puerto Rico did not answered any of more than XXXX Validation/Qualified Written Requests letters. 
XXXX XXXX is the owner of the Mortgage and the Note, according to the " Look-up Tool ''. 

A Validation letter was sent to Attorney XXXX XXXX XXXX, when acting as a debt collector she did not responded and did not stop the collection process or the foreclosure. 

XXXX XXXX XXXX XXXX, Supervisor of the Foreclosure Deparment, declare in an affidavit, that the Banco Popular de Puerto Rico is the holder of the note by endorsement. 

The attached documents are in XXXX. That is the normal commerce language in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 open credit card accounts. Two are from XXXX XXXX XXXX  and one is from XXXX XXXX. My credit limit for all three cards combined is {$72000.00}. 
( XXXX XXXX XXXX XXXX has a credit limit of {$49000.00}. My other XXXX XXXX credit card has a credit limit of {$10000.00}. My XXXX card has a credit limit of {$12000.00}. ) The 4 major credit bureaus of TransUnion, XXXX, XXXX, and XXXX are still reporting on my credit report that my total credit limit is just {$62000.00}. 
This is incorrect and needs to be corrected to the higher limits of {$72000.00} Also, they keep listing my balances as {$6100.00} on all three cards. This is wrong! 
My current balances on all my cards as of today ( XX/XX/2018 ) is only {$260.00}.
Product: Debt collection

Capital one hired Lvnv funding llc XXXX XXXX of Nevada to collect XXXX the was discharged but XXXX XXXX kept getting other companies to try to collect on a debt that wall already been discharged. I called my attorney XXXX XXXX XXXX XXXX they wrote XXXX XXXX and know XXXX XXXX is using other collection company trying to collect on a discharge bankruptcy that happened in the was filed and complete in a chapter XXXX . I never had a account with Lvnv or XXXX XXXX XXXX XXXX XXXX XXXX never opened a account with this company but was hired by XXXX XXXX to collect a discharge debt that over 10 years old .they keep taken them down and replace back up under different names .I would like to resolve this before it gets into a legal mess . There is a file XXXX # XXXX I never opened new account with this company I called and XXXX XXXX once again getting or selling discharge debt to the company .also debt of closed accounts should of been of my account and not showing on my credit report they are too old . Thanks you for your time XXXX XXXX
Product: Credit card

Citi Bank Credit card have unusual way of computing their interest rate. They have created a flexible billing ( fluctuated cycle ) so they charge their customer more interest regardless of when the card 's payments were made. I do not think this is right, billing cycle should be adjusted so it will be the same each month. Citi Bank Master card charged more interest in XXXX 2016 than XXXX 2016 although the balance in XX/XX/XXXX was less than XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I sent a intent to pay and a Notice to Cease Communication letter to XXXX XX/XX/18. I received a letter from them XX/XX/18 by mail.