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

-Tax refund deposited for both state and federal on XX/XX/year> -Identification verified on account -Multiple attempts of varying dollar amounts to wife 's account, and personal linked accounts, all denied with the error message " something went wrong, try again later '' Chat correspondence initiated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We were provided a XXXX contact number but the agents stated there was nothing more that could be done on their end, and phone agents would say the same thing. 

Advised that we can not close an account with funds in it, unless the account is emptied via bank transfer ; which is being blocked by their " security system '' We have no access to our tax refund unless using the physical card for small purchases ; but we need to have access to all of it for purchasing functional vehicles.
Product: Credit card

-- -- -- -- -- Forwarded message -- -- -- -- -- From : " XXXX XXXX '' & lt ; XXXXXXXXXXXX & gt ; Date : XXXX XXXX, 2015 XXXX XXXXSubject : To : & lt ; XXXXXXXXXXXX & gt ; Cc : On attempt to file tax forms with taxslayer a site recommended by irs. When try to pay for state XXXX with my cap one ccard it gave me a pop up Action not complete check information so I did, retry upon seeing all my info correct XXXX..on XXXX attempt gave me error msg a code XXXX? And taxslayer number. I called they closed Date XXXX XXXX. I was curious so I ckecked my cap one mobile app there Showed XXXX pending for XXXX from taxslayer. Called taxslayer try automated system to see if taxes were Filed. NO NOT FILED! Call my ccard company sd all my info is correct and will call taxslayer tomm with me online And get charges removed. XXXX XXXX I call XXXX rep at taxslayer and she was unable to help refused talk to ccard company she suggest that to push XXXX charge threw and rest will fall off 3to5 days if not I responsible to submit bank statements. .I told rep do not push any charge threw for tax not filed .At this point I ask for management. Talk to XXXX she refused talk to ccard company was rude about it and suggest same thing to force a charge and the other XXXX pending will fall of XXXX at this point I told her NOT to push anything threw I will use a different company and ended conversation with no resolution for me. I immediately sent email to taxslayer support to speak to upper management I was upset about the way XXXX conducted business. Later I was contacted by XXXX upper management and I told her the situation at this point she advised me that XXXX charge had been pushed threw intentionally for XXXX by XXXX. Thats when things turn for the worst, I advise her to listen to call and that the charge was unauthorized and in spite or harassment from XXXX she agreed to listen and call back. Charge was made but tax not filed it about there bottom line!! XXXX XXXX XXXX call Claims that it was not clear about forcing charge and she apologized about XXXX rudeness and said that she sorry that XXXX refused my ccard company. XXXX did get XXXX of charges removed on conference with my ccard company but will have to refund the forced charge. I could not believe that upper management was covering for management. I am seeking Other party at company to review call and they will hear that I clearly said not to force any charge! XXXX and XXXX have broke XXXX serious violations and the call needs to be reviewed by the owner XXXX. I have been advised to seek a answer from XXXX XXXX XXXX to the audit of phone call and results thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that certain accounts be blocked and deleted from my credit report due to my identity being compromised as part of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the following fraudulent accounts and inquiries be permanently removed : Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bank of America # XXXX listed on my credit report is reporting inaccurately. 

This item has been re-aged. According to the FCRA this item is to be removed by XX/XX/XXXX. See attached print screen of my XXXX report dated XX/XX/XXXX. However on my XXXX  it has been re-aged and now lists with recent 120 day lates on XX/XX/XXXX and XX/XX/XXXX. Attached is also a current print screen of my XXXX report dated XX/XX/XXXX. I've also included a previous XXXX  report that does not show any recent lates.
Product: Credit reporting, credit repair services, or other personal consumer reports

in 2010 s omeone filed a bankruptcy in my name not sure but believe it was my ex-husband from a nasty divorce my credit is perfect and I had no need to file a Bankruptcy.   FC RA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) This has to be  remove
Product: Debt collection

In reading my XX/XX/XXXX credit report, I saw that Enhanced Recovery Corp has filed a collection report with XXXX, claiming I owe {$47.00} for a Cable or Cellular creditor. Enhanced Recovery Corp has never contacted me, nor have they sent a written validation notice of this alleged debt. I have no knowledge of this collection. I disputed this collection with XXXX onXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

i was buying something and they told me to send through friends and family it was on paypal btw and i got scammed
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/22 I identified a discrepancy with account listed under XXXXXXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/22 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/22 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit card or prepaid card

Walmart is currently transitioning from XXXX XXXX  to Capital One. On the first day of the conversion, several days after making my payment ( payment was made XX/XX/2019 ; E-mailed received XX/XX/2019 ) I was e-mailed an electronic letter stating that my payment was returned. The account used to make the payment does not show a returned electronic check. With the system being down I can not access my account. When I called, the representative told me that nothing could be done until the conversion was completed on the XXXX and that " Capital one may remove your late payment or they may not. You'll have to advise them of the situation. '' Obviously, this is unacceptable and unfair to me and any other Walmart store card customers. I want this record on file so that I can dispute the late payment status. I was not notified quickly enough nor was I given the opportunity to resolve the situation, if it even actually occurred, which is yet to be known because no one can tell me. 

The account statement, which is attached, reflects a payment sent on XXXX from the bank, but the payment was made on XXXX. It reads " XX/XX/2019 WM EPAY   WALMART CC WEB - {$65.00} ''
Product: Credit card or prepaid card

I had 2 fraudulent charges that were not made by me or for me on XX/XX/XXXX at XXXX XXXX. {$700.00} and {$50.00} at XXXX XXXX. as well as a XXXX fee. 
XXXX, live in Md. and some scammer listed as XXXX -PREPAID IN XXXX XXXX NV . -Looked up and CALLED -CLOSED CASINO-COVID. I was left with XXXX on XXXX, and no way to pay rent, phone, XXXX XXXX prescriptions, gas for rides or toiletries! Filed dispute-did everything asked of me, requested 2day Expedited card, dIdnt come, called Direct Express and with an open dispute they allowed the scammers to change my permanent Md. address to I assume the thieves address-XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX! I paid XXXX promised reversal due to taking 9 days to receive,16 days later still attempting Denied!! They mailed me a questionnaire to fill out and return within10 business days. Id already faxed in all information. Questionnaire came 8 days later and filled it out instantly, took to P.O. walked it in and asked when it would arrive in Texas, they said Monday 2 days to spare! I called Monday morning XXXX to check on stat of new card reversal, I was given more runaround and told they had denied my dispute ( HAD NOT RECEIVED MY QUESTIONNAIRE YET! ) denied with NO APPEAL because the SAME thieves withdrew XXXX twice in XXXX that I had NO KNOWLEDGE OF and theyre trying to keep MY INSURED MONEY because I did not KNOW or REPORT the 2-XXXX charges from similar name- PREPAID!! I am DESTITUTE, these PEOPLE ARE GIVING ME THE RUNAROUND, I have done the so called investigators job and it is clear as day this is THEFT and they WILL NOT TETURN MY MONEY! Please HELP ME! No savings, alone, XXXX  and no other income!! They even know they told me the thieves tried to withdraw money out twice the night of, but before XXXX XXXX  when my money was expected as always and had been denied! I had had XXXX in my account for at least 2 weeks and would have NEVER TRIED TO WITHDRAW MONEY THAT I KNEW WAS NOT THERE!! That is ridiculous! This investigator needs to be fired, did not do even a little bit of work, totally useless!! Thank you!!! Help me please!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried XXXX times submitting the XXXX attached XXXX  reports to XXXX, Transunion and XXXX via XXXX XXXX XXXXXXXX and none of the companies are taking any action. I need the following XXXX reports processed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my XXXX XXXX / XXXX XXXX account with all 3 credit agencies due to inaccurate information on XX/XX/XXXX. 

While I was late XXXX - XX/XX/XXXX ; due to a medical emergency and then again for the month of XX/XX/XXXX because XXXX did not forward the last bill when we moved in XX/XX/XXXX, I didn't receive a bill, I did pay it off when I received the final bill. 

In XX/XX/XXXX, when my husband and I applied for a mortgage, they informed me of the situation and told me if we could get approved ; it would raise my rates by a full point and we would not be eligible for some loan programs due to the issues with my credit reporting through XXXX. 

They also reported I was late XXXX - XX/XX/XXXX ; yet there was no balance during any of XXXX and I did not use the account until XX/XX/XXXX when they offered to increase my credit limit to {$1700.00}. 

When I disputed the account to XXXX on XX/XX/XXXX ; they investigated and deleted the account fully, but kept the incorrect late payments on my credit report, thus lowering my credit utilization by {$1700.00} and score by XXXX points on XX/XX/XXXX. 

We were relocating to XXXX from XXXX due to health issues in XX/XX/XXXX ; so I did not keep a close eye on my credit because we had already worked on it and gotten it above XXXX that was needed and we knew it would only go up as we paid our car loan off with no new bills. 

On XX/XX/XXXX we applied for a mortgage in XXXX  and were sent our credit reports and spoke to several mortgage companies that appraised of the situation with the incorrect credit reporting being on our report ; so I disputed the account again and filed a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for your time in reading this complaint. 

I have maintained a Discover Card account since XX/XX/XXXX. I have never had a missed payment. I experienced a hospitalization due to emergency XXXX at the beginning of XX/XX/XXXX and was out of the country for the last ten days of XX/XX/XXXX and the first six days of XX/XX/XXXX. 

Discover maintains that I did not make an autopayment and this is showing as a 30-day late payment on my credit report. I had no knowledge of a missed payment as I received confirmation of each payment. I called Discover on or about XX/XX/XXXX upon returning to the country when I went online to view my payment history and learned that autopayments had not been made even though my payment history on their online portal reflects that the payments were made ( Ex. 1 ). 

I made an online payment for {$340.00} on XX/XX/XXXX and Discover sent me confirmation that the payment was made ( Ex. 2 ). I assumed that the payment was made and that I had no late payments but, unbeknownst to me, Discover never actually debited my bank account even though they sent me the confirmation set forth in Ex. 2. I then made an additional payment on XX/XX/XXXX ( Ex. 3 ). 

I viewed my credit report on XX/XX/XXXX and learned that Discover shows that I have a missed payment. This would never have happened had Discover not sent me an email confirmation that the XX/XX/XXXX payment was made ( Ex. 2 ). I have signed up for paperless statements and expect to receive all notifications regarding my account through email or alerts on my account. I never received any email, account notification or regular mail alerting me that the fund were not actually withdrawn from my account. I relied on their email confirmation and assumed that the amount was paid this was not an autopayment, this was me proactively going online, entering bank account information and making a payment. 
I now have a missed payment on my credit report for the first time. This has caused my credit score to plummet by 60+ points overnight and will have drastic impacts on my life. I would never have experienced this had Discover actually drawn down the funds they confirmed they drew. I relied on this confirmation, was never provided with notice that this was not true, and have suffered harm because of this. 

I have one simple request that Discover have this late payment removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX I am having problems with Items appearing on my credit report which I have filed a police report indicating this problem. I am also having problems with inconsistency with all three credit bureaus concerning slow credit. I feel myself and my XXXX  have been targeted as minorities and discriminated against. No matter what we do it our credit is slow to move. It took so much for us to buy our house in XXXX, we did what credit experts said to do and still no movement. Actually, it goes back way in XXXX our credit has consistently stayed low. This has had a tremendous negative effect on our ability to obtain credit for our business which we badly needed especially during the pandemic. If not for our XXXX XXXX we would have lost everything. Please look into all three credit bureaus ( XXXX, XXXX and Experian ) for myself and husband XXXX XXXX. 
XXXX XXXX XXXX ss # XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I decided to send another letter to each of them, demanding they delete the inquiries that I did not authorize. This occurred again on XX/XX/XXXX and XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Student loan

Loans started in XXXX I was told I got grants that did not need to be paid back, which I later found out the max amount was being taken out. It was reported for the first time that I had dropped out of XXXX in XXXXXXXX XXXX XXXXXXXX despite me not taking any breaks or dropping out. This put me into automatic repayment for the first time. Then again in XXXXXXXX XXXX XXXX  it was reported again that I had dropped below the requirements and I needed deferments even though I was still in school and shouldnt have been charged. My classes were then messed up which pushed my graduation date back by XXXX weeks. The school said they would pay for a few classes and no financial aid was needed past those classes because it was covered through my loans.
Product: Debt collection

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas I of age of majority give this herein notice to all, I make solemn oath to the one and only Most High of creation and I depose the following facts, so be it, now present : Fact, 15 US CODE 1692 says It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. " Fact, Affiant is aware that CAVALRY is in violation of 15 USC 1692g Validation of Debts and has been unable to provide information regarding the original creditor and instead lists the original institution. XXXXavalry is also in violation of 15 U.S. Code 1692e-False or misleading representations and 15 U.S. Code 1692j - Furnishing certain deceptive forms by requesting payment for an alleged debt in a positive status as evidenced in the submitted documentation.

Additionally CAVALRY is in violation of 15 U.S. Code 1692b - Acquisition of location information by stating that a debt is owed. 

Pursuant to 15 U.S. Code 1692k - Civil liability which states ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or, CAVALRY is liable for these violations.
Product: Credit card or prepaid card

In XXXX of XXXX I contacted the card issuer citibank to close a credit card. I spoke to an individual who informed me to pay off the remaining balance and close the account. I paid off the remaining balance and the account was closed. 

After paying off the remaining balance and closing the account citibank posted additional interest and late fee charges to the account. As the account was closed and was no longer being accessed additional late fees were charged on the late fees and interest was charged on the late fees and interest. 

On XX/XX/XXXX I spoke to representatives from citibank who refused to waive the charges. I was lied to and deceived by the initial representative from the bank. 

This is highly predator behavior to close an account and then proceed to charge the individual late fees and interest on the account.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act. This company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information on my credit reports maintained by XXXX and Experian. The details of the accounts in question are as follows : XXXX Report : Account # : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Experian Report : Account # : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Upon reviewing my credit reports, I have identified discrepancies between the information reported by XXXX and Experian regarding the above auto loan account. Specifically : Date Opened : XXXX reports the account as opened on XX/XX/XXXX, while Experian reports it as opened on XX/XX/XXXX. 

Date Last Active : XXXX reports the account as last active on XX/XX/XXXX, whereas Experian reports it as last active on XX/XX/XXXX. This slight discrepancy in reported dates of last activity requires clarification. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA 611 - Accuracy of Information : The inconsistencies in reported dates of account opening and last active dates suggest a failure to maintain accurate consumer information.

FCRA 623 - Duty to Correct and Update Information : According to FCRA 623, CRAs must promptly update and correct inaccurate information upon notification by the consumer. The discrepancies noted above indicate a need for immediate correction and updating of my credit reports.

Furthermore, under FCRA 611 ( a ) ( 5 ) ( B ), inaccurate information must be promptly deleted or corrected by the consumer reporting agency after receiving notice of dispute from the consumer. Given the discrepancies noted above, I request that XXXX and Experian promptly delete the inaccurate information from my credit reports. 


I request that XXXX and Experian conduct a thorough investigation into these discrepancies as required by FCRA 611 and promptly delete the inaccurate information from my credit reports. Please provide me with the results of the investigation in writing and confirm when the corrections have been made.

Additionally, I kindly request that you send me a free copy of my updated credit report once the corrections have been made.

Thank you for your prompt attention to this matter. I look forward to your timely response.