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

Since the XXXX pandemic, Ive suffered physically, emotionally, economically and was hospitalized due directly to XXXX XXXX sickness. I had great credit, score XXXX and great credit rating. XXXX directly to the pandemic, my employer claimed bankruptcy, I fell behind on paying my bills due to hospitalization of XXXX XXXX. It took me a year and a half, staying in contact with my creditors to pay the balances off. In XX/XX/XXXX I got my life back together, contacted all my XXXX creditors and made payments to pay off my balances, satisfied my debts and closed my account. All my credit accounts were now paid, satisfied and closed. XXXX creditor, XXXX  bank is appearing on my Experian credit report twice as Potentially Negative. This is XXXX account, not XXXX separate accounts but only Experian is wrongly reporting this creditor twice on my credit report, which makes my fico score lower, appearing I have XXXX negative accounts with XXXX, no only XXXX and that account was paid and satisfied. Both XXXX  credit reports on Experian have the same account information so why is Experian only, not XXXX or XXXX reporting this false information. This XXXX  creditor was paid and satisfied in XX/XX/XXXX. I tried twice to dispute this with Experian but they refused to remove XXXX of XXXX  credit report as potentially negative from my credit report when it should only be showing XXXX, ( XXXX ) XXXX  account that was potentially negative but was satisfied, paid and closed. XXXX asking for your help to make experian reporting agency only, to remove the double reporting of XXXX  bank information. Again there is only XXXX XXXX  account but Experian reports XXXX, both with same account # and exactly the same information as to balance, being paid, satisfied and closed but Experian refused to remove this double reporting on my Experian credit report. XXXX and XXXX are reporting correctly, reporting once, and only XXXX XXXX  account with information including balance, date paid and satisfied then close. Please help me as experian has been horrible in customer service and refused to report correctly, accurately, but continues to report false, inaccurate and misleading information on my Experian credit report that is so obviously can been verified but Experian twice in my dispute with them just ignore me and continue to double report a creditor, XXXX  bank on my Experian credit report
Product: Credit reporting or other personal consumer reports

I called XXXX and XXXX XXXX sent please report and I sent information that they asked for they have done nothing. I asked them to remove all the hard inquiries from both great reports and they have yet to do anything. They said theyre not. Its not hurting your Credit XXXX  XXXX And I asked him to remove old Close account and they said its not hurting your credit report and theyre still there after XXXX or XXXX years. These accounts are old and they have been closed for years and theyre still there.
Product: Debt collection

I sent a  letter to Cab Collection  agency in  XXXX  of  2017 asking for proof that said debt they are reporting is actually my debt but havent recieved anything from the collection agency as of yet proving that this is indeed my debt. I tried to dispute this with the credit bureaus only for it to come back as verified but the company when reaching out to them says that they can not find the acco unt infomation to verfiy the debt.
Product: Payday loan, title loan, or personal loan

Company sent threatening email. They threatened to file a lawsuit for over XXXX dollars when I only owe XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/year>. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0}
Product: Checking or savings account

Multiple anti-customer policies on the part of this bank.

First of all Capital One will not allow me to opt out of any 2FA. They recently implemented this on my account, and online banking times out way too fast, and they inflict 2FA on me at EVERY log in. Sometimes that is multiple times per day. This is clearly implemented just to annoy, and is not protective of my account in the privacy of my own home. 

I ordered groceries for home delivery from XXXX XXXX on Saturday XXXX. There was a pending hold transaction for 15 % more than the final amount until the groceries were delivered and the transaction finalized. The final amount was {$120.00}. But they did not release the pending hold when the final transaction posted on XX/XX/year>. It stayed pending, preventing my access to my balance for several days. The bank says it is the merchant 's problem and the merchant says it is the bank 's problem. The companies were unable or unwilling to participate in a XXXX way call to resolve the issue or just point fingers at each other, and I am the one that did not have access to the funds, while all they did was absolve themselves of any responsibility. 

I made a purchase online on XX/XX/year> and the online merchant proceeded to fraudlently charge my card for additional amounts. I notified Capital One while these were pending and I had to get my debit card cancelled and replaced, but they would NOT remove the pending hold against my funds. Then ethey expedited my card replacement to the wrong address, so instead of having that for my pay day today, ( XX/XX/XXXX ) I won't have it until sometime next week, and it is no longer expedited. Most of my bills are due during this first week of the month. My phone will be disconnected on the XXXX, but I will not have my debit card to pay it. And this occurred after I specifically confirmed my address for it to the person who took the fraud complaint and insisted on cancelling my card. You know. For my protection. 

I have transferred funds into the bank and the incoming funds stay pending for days. DAYS. Yet they allow any merchant to access my account within seconds. And will not release pending funds holds on transactions that are either fraudulent or already posted. Their infliction of 2FA also offers zero protection against these events, but there it is anyway. 

Generally when I call the bank, I first get a guy who can't speak XXXX and also doesn't have a working head set. Or I get the XXXX XXXX who also simply don't speak XXXX. I always have to keep calling back to luck maybe, get XXXX support in my language, but then they stubbornly stand by their anti-consumer merchant protection policies.

If the bank doesn't have any control over the pending transactions, then maybe they should be disallowed from withholding pending funds in that manner against a customer 's bank balance. And for the love of all -- -give me some web site control over 2FA which I have also been told they can not shut it off, although they turned it on!
Product: Credit card or prepaid card

I had an account with TD Bank. The balance of the account was paid in full on XX/XX/2022. TD claims they never received the payment. I use a bill paying service offered by XXXX XXXX XXXX XXXX. A check for the balance ( not electronic/paper check ) was mailed on XX/XX/XXXX and cleared on XX/XX/XXXX for {$1500.00}. TD bank said they did not receive the payment and would investigate why they did not receive it.. My verification number with XXXX & XXXX bank is XXXX. In addition TD bank had charged late fees 3 times and the payment was sent on routine basis every month from the bill paying service, the payment was never late. TD did reverse one of the late charges. Now they are robo calling me every day reminding me a payment is due.
Product: Student loan

I am a senior citizen age XXXX recently diagnose with XXXX XXXX and XXXX I have a parent plus loan with Great lakes. I informed to the collector from Great lakes that I am on a fixed income and can only pay {$50.00} a month the person has been harassing me daily and stated that I don't qualify for anything.
Product: Mortgage

XXXX or XXXX, 2023 I received a check for XXXX through my lawyer for home repairs from hurricane Ida. This check had to be submitted to NewRez for signature confirmation. As of today, I've not received one cent of this money. NewRez demanded that I hire only contractors to complete the work. I have struggled through these rough economically challenged times to not only pay my high mortgage note ( as a single mother ), but to somehow repair issues at my home while living from paycheck to paycheck. I've even gone into more debt by borrowing funds from my credit union to have repairs made while NewRez has been tight fisted towards me by placing unreasonable and burdensome expectations upon me while hording funds appropriated for the purpose of repairing my home!
Product: Credit card or prepaid card

On XX/XX/2021 I discovered my U.S. Bank Credit Card Number and password was published on the internet on one of the XXXX XXXX  internet pages. I tried calling XXXX XXXX but because I did not have a pin I could not get assistance. On XX/XX/2021, I called U.S. Bank and discussed the issue with the representative and was told that I should close out this account totally because even if they sent me a new credit card with a new number, the charges would simply roll over to the new account and I could still be subject Identity Theft. I told the representative to close the account immediately. The representative told me I had rewards points that I would not be able to use once the account was closed. I told her I had a serious XXXX problem and the amount of the rewards points conversion was not worth the stress Identify Theft and a possibly XXXX XXXX would cause. She asked if she could just convert one more and close the account the next day. I reluctantly agreed. I discovered that a manual charge was entered on XX/XX/2021 for a XXXX  service that I did not have. I was going to switch to XXXX  because of the issue with XXXX XXXX. I called XXXX  on XX/XX/2021 but cancelled on XXXX XXXX when the service could not be connected. I was told by the XXXX  representative that the order had been cancelled and I could deliver the equipment back on XX/XX/2021 which I did. XXXX XXXX came out the next day and confirmed the XXXX  service had never been connected and their service was still intact. I am still with XXXX XXXX because it is the lesser of the two evils. I am attaching a letter I sent to the CEO and President of U.S. Bank. Refusing to close this account and subjecting me to Identity Theft is unacceptable. The credit limit on this account is {$9000.00} and I plan to pay the balance of {$810.00} by XXXX XXXX or as soon as I see the account closed because If I close it before then, I would lose visibility on this account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tar timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I opened an account with Home Depot. They never sent me a bill and have been charging me late fees. I have spoken and written to them about the problem and told them that I would gladly pay the bill when receive a bill. The continue to hassel me and add charges. They have called multiple times and have not corrected the problem. I refuse to pay any late fees they have added due to their mistake. They have been completely unresponsive.
Product: Credit reporting or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment from my credit report. " According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you fix
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not supply me my REQUIRED, FREE Report online.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX  # XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Student loan

I've tried for 5 months to get in contact about resetting my nelnet account waited hours on hold and sent dozens of emails. The website says they can't find my account even though I have emails stating the confirmation of account creation. Loans are due to start repayment this month and I have received no information or help and risk not being able to pay my loans because I can't access the account with my repayment information. I have tried resetting passwords, usernames, called 5 times, emailed dozens. No one will talk to me or help me.
Product: Credit reporting or other personal consumer reports

This trade line is fraudulent. Company verified its fraudulent and states on XX/XX/year> it would be deleted.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and address I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX XXXX ACCOUNT # XXXX 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Numer : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX {$530.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX  Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I checked my credit and my hard inquiries had been deleted. They have been added back on without any notice. This has affected my credit.
Product: Consumer Loan

My truck was totaled due to a vehicle fire and the insurance company paid the finance company for the truck. The next day after receiving the insurance check, they sent the remaining balance of {$400.00} to the collection agencyou which essentially hit my credit. They did so without informing me of the balance or giving me the opportunity to pay the balance.
Product: Debt collection

I created and mailed a cashiers check to pay off this debt on XX/XX/21. The check was negotiated by Barclays on XX/XX/21. As of XXXX, it was still not reflecting paid, so I called again and opened a case. They requested that I fax over a copy of the check and I did. I sent a photo of the front and back to fax number XXXX. On XX/XX/21 they mailed a letter stating they were unable to complete the request. A dispute was filed in XXXX with the check uploaded as well.. and that did nothing. I called again in XX/XX/21 and they said they will reopen the case and to send the copy of the check in a fax again. I did. Hoping this will resolve the issue, but also wanted to file complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted you in XXXX and did not receive a response to my dispute or an updated credit report. I am again demanding a DELETION on the inaccurate information you continue to report and I'm submitting new information as well numerous Metro 2 Violations
Product: Checking or savings account

XX/XX/23 I updated my phone number and now I am locked out from signing into my bank account online for 14 days, is this legal XXXX, do you have the government regulation right to do this? Several hours with several customer service, changing and changing my password and as no one knew this new policy - My second complaint is I put in my dispute with the bank for a XXXX refund. XXXX picked up everything on XX/XX/23 and today a supervisor in XXXX dispute department stated they have 90 days before even submitting the dispute to XXXX, THIS IS NOT CORRECT OR EVEN LEGAL XXXX, you have 90 days to complete the task period and 5 days later you are still working on what to do. XXXX will only refund the money upon receipt of the dispute and I want it sent immediately {$660.00} dollars I am waiting on and XXXX has the refund confirmation letter, WHAT MORE DO YOU NEED XXXX. This bank has unethical practices and I as soon as all transactions are complete, I am leaving the bank. LOCKING SOMEONE OUT OF THE ONLINE ACCOUNT FOR 14 DAYS IS BS FOR ANY REASON!
Product: Credit card

I recently contacted American Express regarding my XXXX credit card, and was told my account would be transferring to XXXX and I had no control over the $ XXXX in credit on the account. XXXX has severed ties with American Express, and have urged customers to get the new XXXX-issued card. I have had horrible and unacceptable experiences with XXXX, both in terms of their customer service and attempting to use their product. I absolutely DO NOT want another XXXX card. 

As I have been told by AMEX, an account holder can only have XXXX " line of credit '' with AMEX, the amount of which is divided among the AMEX cards issued to the account holder. I signed up for the XXXX XXXX XXXX card in preparation of the XXXX card closing, and transferred half my credit to that card. When I called AMEX I was told that the remaining $ XXXX ( still on the XXXX card ) was locked and I could not transfer it to the XXXX. Now I am stuck, because I either lose $ XXXX in credit by closing the account, or accept a card that I in no way ever signed up for issued by a bank that I do not want to do business with. I feel this behavior is extremely fraudulent and unacceptable. I NEVER gave XXXX any permission to handle or modify my account with AMEX.
Product: Credit card

I filed a fraud claim because XXXX XXXX was claiming i purchased over {$2000.00} worth of stuff in the store. I have never visited that location and it is over an hour away from my house. I even told them they had given the wrong phone number when purchasing and that was not my phone number. XXXX XXXX declined my fraud claim and would not provide extra information i requested
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I had an over-the-phone conversation with the company by which several employees refused to obey my right to privacy. I am the ORIGINAL creditor and I have submitted MULTIPLE identity theft reports. The accounts : XXXX, XXXX XXXX XXXX - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX XXXX XXXX  - XXXX ; XXXX XXXX - XXXX are reporting fraudulently.