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

This CFPB complaint has been filed pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, the XXXX, XXXX, and experian 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 reeving this complaint. This fraudulent inaccurate, and false information consists of a personal credit card opened with XXXX in XXXX along with numerous auto loan inquires made in XXXX with 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 seversl frsudeletn hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize any of these items listed and they were not made, opened, or initiated by me. I have attached a copy of my FTC identity theft criminal complaint ( # XXXX ) as proof from the US federal trade commission that all aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

XXXX XXXXXXXX XXXX continues to have major issues with its computer systems that result in customer inability to access account information and make payments. The system outages are frequent and impact the automated phone system the online system, and the easy pay system. Theres also a great possibility that our information is not secure during these outages. This happened in XX/XX/2022. And again today in XX/XX/2022. They also are not updating credit reports timely with balance information.
Product: Credit reporting or other personal consumer reports

wanted removal of thing damaging to my credit trying to apply for credit cards and was denied home loan as well these things should be removed according to 15 USC 1681 there should damage!
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed several complaints with CFPB for other issues with XXXX, for example a checking account, they mishandled my paycheck on more than one occasion, ie holding funds that had been verified, therefore causing a number of subsequent issues ( bill payments bouncing, not having availability to my funds at the date it was said to be available, charging fees, etc. ). When my funds finally became available I immediately moved it to a new bank and XXXX attempted to reacquire to be spiteful and without my consent. I blocked them ... My new bank alerted me, honored the rules, but I had to go to my new bank to fill out a form stating XXXX attempt was not approved and they could not withdrawal from my account without my written consent, ever. 
Since that time XXXX continues to retaliate against and attempt to bully me for the complaints I have filed with CFPB, by closing my credit card ( XX/XX/2020 ) for no valid reason ( gave me several different reasons over several unnecessary phone calls and messages ), causing " glitches, '' therefore making extra work for me to do, compounding interest and reporting incorrectly to all three credit bureaus. 
Since closure, I have paid this card as agreed, on time and in full ( {$2700.00} XXXX XXXX ), however XXXX is continuing to report as active account, charging fees they are not entitled to, compounding interest ( interest charged is the same amount now as it was when the account was open ) and reporting the limit too high ( {$2500.00} is what I agreed to and had ). To my understanding this violates several laws ... Fair Credit Reporting, attempt at theft, etc. 
I held on reporting this until now for four main reasons 1. I did not catch how they were reporting until 4 months ago 2. I keep trying to give them the benefit of the doubt they will act accordingly, they wont obviously 3. I paid/closed my auto loan account and wanted to make sure they could not retaliate further for this one and mess something up. 4. I am tired/lost patience a long time ago for the games they play They made this personal. It is pathetic and a waste of my valuable time to keep contacting CFPB to reprimand XXXX. XXXX has to follow the rules they are bound to, remember it is not their money we allow them to handle and just because they have a lot of money/power they can not just do whatever they want. 
I am not the only person I know of them doing this to. 
XXXX need to be XXXX  just as XXXX XXXX was recently : ) Thank you for your time.
Product: Credit card or prepaid card

HSBC XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX This is regarding my HSBC credit card account. When I checked my account on HSBCs website, I found online that my two electronic payments of {$100.00} each were returned and a {$25.00} fee charged to my account. My credit union account had plenty of funds to cover the payment. When I contacted my credit union, they confirmed the funds were there and that no payment had been presented to them on XX/XX/XXXX at XXXX XXXX. 

On XX/XX/XXXX in the evening, when I contacted HSBC via  their chat service, they could not help me and advised that I call customer service. My account was on a security hold and they could not tell me why. I explained that I saw no fraudulent charges to the account and confirmed my identity. 

On XX/XX/XXXX at XXXX XXXX, I called customer service at XXXX. Customer Service could not help me and transferred me to HSBCs security division. I was on hold for security for one hour and sixteen minutes. The security advisor, XXXX, could not help me and transferred me to her boss XXXX. XXXX was not at his desk so she advised that he would call me. At XXXX, he returned my call but I was not at my desk so he left a message with a reference number. When I returned his call, I held for over twenty minutes and could not get through. I tried contacting HSBC several times using their chat feature and presenting my reference number but no one could help me. To date, no one from HSBC has contacted me further regarding this matter.
Product: Credit card

American Express has a system that forces card holders to pay interest when using autopay. In short : I have a monthly autopay setup for {$500.00}.

I start with a balance of {$0.00}.

In month one I charge {$650.00}.

In month 2 my autopay of {$500.00} is applied leaving me with a balance of {$150.00}. 
After the autopay in month 2 I charge another {$300.00} leaving me with a balance of {$450.00}.

In month three my monthly autopay is again {$500.00}, However, they only apply {$150.00} of my autopay leaving me with a balance of {$300.00}.

They only apply the autopay to the previous statement balance rather than applying it to the account balance on the day the autopay is triggered. This allows the 25 day grace period to expire and they start charging interest based on the daily balance. They are essentially refusing to take a payment, then charging interest on the balance not paid. 

In the example above, my balance on the day the autopay is scheduled is {$450.00}. With the amount of the autopay exceeding the balance on the account, the autopay should have completely paid the balance.
Product: Checking or savings account

On XX/XX/XXXX at approximately XXXX, my direct deposit attempted to be deposited into my Checking account with Bank of America . My account information was missing the XXXX XXXX XXXX, therefore the deposit wasn't deposited into my account. As soon as this mistake was realized, I contacted Bank of American where I have been a customer for XXXX years. Bank of America did inform me that the deposited would be rejected and sent bank to my employer. Thursday, the rejected deposit was not returned, Friday the rejected deposit was not returned, Monday the rejected deposit was not returned, the rejected deposit was FINALLY returned today XX/XX/XXXX. My employer, XXXX XXXX issued me a paper check since I was waited to long to be paid. I then took the paper check to Bank of America and presented the check for deposit. I specifically ask the teller if there would be any type of hold on the funds and I was told NO ma'am. I then receive an email from BoA telling me my funds will be help until XX/XX/XXXX I reached out to the bank, finally got to the Check Hold Release and explained the situation, after being on hold for XXXX minutes, and then told that they will in fact hold ALL of my funds until XX/XX/XXXX There is no reason for this. it is a payroll check from XXXX XXXX, a large healthcare facility It's the same payroll account that direct deposits are sent from. I am asking for help. I am a single mom and work very hard for my money. My bank account of BoA has NEVER been overdrawn, I don't even have OD protection for the exact reason I don't want to overdraft. I don't know what to do at this point. Bank of America has no reason to hold a payroll check on a major company. Please help
Product: Money transfer, virtual currency, or money service

XXXX and Venmo will not help me recover my money. They are great ways for scammers to steal from people XXXX will not do a thing about it, and Venmo will only flag the account
Product: Mortgage

The purpose of this complaint is to seek the mortgage servicer 's retraction of a credit reporting entry due to a payment processing error. On XXXX XXXX, I made a payment using the servicer 's online portal ( XXXX XXXX XXXX ) for the XXXX payment due. The payment was accepted via the portal, and I received a confirmation email. I received no further communication from the mortgage servicer until Saturday XXXX XXXX, when in the mail I received notice that the payment was past due. I immediately submitted a duplicate payment until I could troubleshoot the issue with the mortgage servicer 's customer service on the following Monday. On Monday, XXXX XXXX, the mortgage servicer through several calls to them advised that the XXXX payment was rejected due to them not being able to locate the checking account, despite this information being used several times previously. My detailed review of my checking accounts and my conversations with my banks did not reveal any transactions being presented by PHH, or any NSF fees /  overdraft charges or other activity to suggest that XXXX XXXX conducted the transaction for PHH. Both accounts contained sufficient funds. I did not receive any contact or communication from PHH noting there was any problem with thXXXX XXXX payment until the XXXX notice, which was too late and had already reported to my partner 's and my credit. The XXXX payment was processed, and satisfied the XXXX amount due. I have never before been beyond 30 days late on this or any other mortgage. I faxed a detailed request reflecting this summary to PHH 's Credit Retraction Team on XX/XX/XXXX but have not received any response.
Product: Credit reporting

XXXX XXXX XXXX is listed on my credit reports as someone I owe money to. That is not true. I have never done business with this agency, and I do not owe them any money. They claim they are representing XXXX XXXX. I have not lived at XXXX XXXX for almost a year. When I was there, I always paid my rent on time. I fulfilled all the obligations of my lease, and I gave notice when I decided to move out. I do not owe them any money, and they never refunded my security deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed these inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any inquiries which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on
Product: Debt collection

I unknowingly purchased a vehicle from dealership that had not been inspected and would not pass inspection. Following a lengthy amount of time i retuned vehicle due to the numerous potentially dangerous safety issues. The dealership then sold same vehicle on their lot for more than I owed for payoff. The dealer then filed with courts and i was unable to attend hearing they had scheduled. Giving courts false information the dealer i purchased auto from got a {$3000.00} judgement. Then the dealer turned judgement into installment loan which the court informed me was not legal. i spoke with dealership and they would not give me any of paperwork I requested which also is against the law ( to my knowledge ). The Transunion credit bureau has been reporting negatively on my credit report stating I owe {$9000.00} for numerous years. I have been unable to get response from dealership ( XXXX XXXX ) and am very frustrated that they are allowed to report fraudulent information and continue to cause damage to my credit score. 
XXXX XXXX located XXXX XXXX XXXX Utah has committed and have continued to commit illegal and fraudulent acts against myself along with 2 other persons i am aware of.
Product: Mortgage

My home was flooded on XX/XX/2016. i can not live in house, no toilets etc. I contacted Citi Mortgage, and ask for extension, these people have only harnessed me with letters.
Product: Credit card or prepaid card

I was charged {$380.00} online ( XXXX ), for a purchase I did not make or authorize on XX/XX/2021. I did not discover this charge until XX/XX/2021 when I tried to log into my XXXX account that was suspended without notice or good cause. The charge looks like it was made the day ( XXXX XXXXXXXX XXXX  ), that my XXXX account was involuntarily suspended. I notified discover card of the fraudulent charge on XX/XX/2021 and XX/XX/2021. I contacted Discover Card this morning ( XX/XX/2021 ), and they said that the matter had been resolved and that the charge " was '' valid, but it is " not '' valid, nor ha sit been resolved, as I did " NOT '' make or authorize a {$380.00} charge on my Discover Card on XX/XX/2021. Discover Card needs to investigate and credit my account for the amount in question, {$380.00} plus interest from XX/XX/XXXX, XXXX present. Discover Card Fraud Department needs to investigate, and send me a new card with a different account number. It looks like someone with the screen name ( email ), " XXXX  '' is the fraudster, according to the XXXX contact page ( see screenshots ). I don't know anyone in Florida or anyone with the name of " XXXX XXXX'. I Live in Mississippi ......
Product: Student loan

While enrolled in the Public Service Loan Forgiveness program, I have made 180 payments on my direct student loans. For these 180 payments made while a Government employee, I submitted certification ( s ) from each qualifying government agency to the Mohela loan servicer. These certifications were uploaded directly to the Mohela website in XXXX. The Mohela website confirms that 180 qualifying payments have been made. This is 60 more qualifying payments than is required to obtain XXXX was told XXXX forgiveness of my {$41000.00} balance. I have contacted Mohela on two occasions to request my loan forgiveness status and also to inquire about my eligibility for a refund of my overpayments past the 120 payment threshold. I was told that, since I had made over 120 eligible qualifying payments, my student loan balance was going to be discharged and a refund of overpayments would be sent. This has still not occurred, even though it has been over 3 months since my last certification was submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling these unverified and inaccurate accounts for a while now and this haven't been proven whatsoever. The information across the reporting bureaus is different from each other implying that these accounts have different values and information. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation for not reporting 100 % accurate. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Debt collection

I am filing this complaint regarding a debt that LVNV Funding is attempting to collect, which is inaccurate and unverifiable. The account in question is for XXXX XXXX XXXX XXXX ( XXXX ), with an alleged balance of {$850.00} ( Account Number : XXXX ). LVNV Funding has reported this debt to the credit bureaus, which is damaging my credit profile. 

On XX/XX/year>, I sent a formal debt validation request to LVNV Funding under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In this letter, I requested the following : 1. Proof of ownership of the debt, including the original signed agreement or contract. 
XXXX. A complete account history from XXXX XXXX XXXX XXXX ( XXXX ), detailing the balance, charges, and payments.

3. Documentation proving that LVNV Funding has the legal authority to collect this debt.

4. Verification that the debt is not time-barred under state statute of limitations laws.

LVNV Funding has failed to provide any of the requested documentation. Instead, they have continued collection
efforts and reported this account to credit reporting agencies, violating the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). This failure to validate the debt has caused harm to my credit score and financial standing. I believe LVNV Fundings actions are deceptive and unlawful under 15 U.S.C. 1692e.
Product: Checking or savings account

When I first started this account back in XXXX I dont the date but I put money on my card I was at the store and my card wasnt working so I called them they said I had to call them to activate when that should have been told to me in the beginning when I activated my card on the app it said ready to use. it never said nothing about calling citi bank to double activate your card lol never heard of that if it did also when I asked to speak with supervisor or manager they denied me all the times when I called and asked to be honest I dont even know if they have a supervisor because I never got a Chance to speak with one I also waited literally 1 hour after they hung up on me to talk to another person that person wasnt speaking good understandable English they also said my phone number thats in my legal name they said they couldnt verify it under my name which they did when I opened the account so after all that I finally got to speak with someone who helped me get my account back from being blocked he legit told me over the phone that my account is back to working which I was lied to they keep saying security needs to talk to me when I already talk to them and other in they departments Im late on rent and my bills because they holding my check
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX, now known as, XXXX credit on my account is inaccurate. ( 1 ) report states I owe {$1700.00} when my account has been paid in full since XX/XX/2023. ( 2 ) its displaying 30 days over due for XX/XX/2023. All payments have made on time and account is paid off. XXXX XXXX sold my account to another lender with a XXXX balance and now they are billing me. XXXX XXXX doesnt answer calls. Need resolution to this unfair credit reporting.
Product: Bank account or service

Associated Bank knowingly misled me, I tried to set up arrangements on the account but I was given bad information from customer service who told me to go the branch no later than XXXX/XXXX/16 to make payment arrangements. The branch told me they do not make arrangements, I advised the branch that I did not have the money because I am fighting with XXXX XXXX to resolve this matter, they should have a resolution by XXXX/XXXX/16. There was no way to for me to take the money because it was not mine in the first place, my mother deposited that money from other account from the bank that she shares with my stepdad, she was going to use that money for her trip in XXXX now it is gone. I should have been told by the branch or customer service they were going to take all of the money from the account, I was notified on XXXX/XXXX/16 after I have tried to make arrangements. I do not believe my mom should suffer because my checking account ( that is in my name only ) was overdrawn. She was not notified by me that my checking account was overdrawn because it was only in my name. They were being dishonest and now I was told on XXXX/XXXX/16 that all payment arrangements had to made within 45 days of the account being overdrawn, not 60 days. My mom has been a longtime customer at Associated Bank and should have her {$300.00} credited back to the account. Like I advised before I could n't just take all of her money out because she will be using it herself. Associated Bank hid information from me. I want my mother 's account credited back the {$300.00} because it is not fair because she was unaware of this situation. I also advised them that my aunt passed away and her funeral was Saturday, my mother was upset about that and I do have the obituary as proof of what I am saying plus I work from XXXX Monday through Friday. It is not my fault that XXXX XXXX did not pay the {$330.00} check but per their guidelines, the matter will be handled by the legal department.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, last reported date, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing the following items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.