23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was told by amx that I called in XX/XX/XXXX I called to say I lost my gold card.i did not make this call and a card was sent out. I stopped using my gold gard XX/XX/XXXX. I didn't find out about this card until XXXX. I filed for XXXX  in XX/XX/XXXX and I never got the bill because I'm sure it went to the address they mailed it to. I was trying to pay the bill inXXXX when I was sent the statement that's when I found out about the account. They have taken all the charges off my account but I paid on that card because I didn't know I was paying on that card. At that time they didn't name the card they just gave the number they don't do that any more but that's how I paid on a card without knowing. I have sent them copies of there statements to prove the payments that I made and I have been waiting since XX/XX/XXXX to get my money back. One day they don't know what I'm talking about and start over. Another day they need more information. Or the back off is still working on it and have not updated them. It has been almost two years. And nothing. In XXXX I was given a name and was told he had the account since XXXX. XXXX I was told in 30 days it should be handled. Here we are in XXXX and nothing. I had a lawyer send a demand letter in XXXX and they had 10 days to respond and nothing. The lawyer told me to come to you for help because it's not enough money to pay a lawyer. It is close to {$2000.00} or more I need my money. This is there mistake and they need to fix this. I got a letter years back telling me they changed my address I called to say I never changed my address that should have been a red flag to them if I'm saying I never changed my address and the was changed. Please help me get my money back soon.
Product: Credit reporting

I logged in to XXXX and noticed there was a hard inquiry from cbna. The date was the day I went on vacation but I never ran my credit. This information is incorrect and needs to be removed asap.
Product: Credit card

Hello aafes collections, After several attempts to resolve my payment with star. They refuse to correct the full payments of XXXX payments of {$500.00} each on my statements and Ive been trying to resolve this since last year. I appreciate you correcting the lost money order payments. Okay, so heres the last problem. My account should be retro to the pay off amount in XXXX. If we didnt have to resolve this issue of the money orders, the balance would have been {$360.00}. I did not get a request for the proof of the money orders until XXXX. Although I enclosed all the documentation I had via chat with XXXX and copies. It was a process which I understand. Although, Due to the delay of getting resolved, I did not receive a final pay off after the XXXX {$500.00} payments. This sparked my concern of why the money orders were not posted. Which this didnt get resolved until XXXX  months later. {$400.00} was also sent, to pay it off, reflective the balance of my statement from XXXX of last year. I made these bulk payment to pay this account off for XXXX. Ive also had to pay extra costs for copies of the money orders. {$30.00}. The guesstimate of a little excess overage was paid in full of {$400.00} should satisfy this debt and settlers paid in full reflective of XXXX of last year. My name is XXXX XXXX XXXX. XXXX XXXX. Thank you for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX XXXX XXXX on my credit report. It shows that that account has been sold to XXXX XXXX XXXX. I recently sent XXXX XXXX XXXX a debt validation letter and the response I recieved was dated XX/XX/2019 says that the collection is terminated. 

I am wondering why is this account currently showing that it is still in collection. Why hasn't the account been deleted if the collection action has been terminated from my credit report?
Product: Credit reporting

on XXXX/XXXX/16 i sent several letters to transunion reguarding inquires that contain inaccurte information abour two weeks later i received the same number of form letters from transunion saying thank you for your questions about inquires then went on to explain what inquires were i called transunion the person was in a foren country and had vary bad XXXX after about an hour i was able to understand that trans union dose not investigate inaccurt information regarding inquires the following are inquires that contain inaccurt information all inquires in question are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. trans unions 30 day investigation time limit is up a few days ago another phone call showed that nothing was done as to investigation or removal of the inquires in question
Product: Credit card or prepaid card

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX are reporting inaccurate information on KAY JEWELERS with account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint and as of today it appears that my score with Transunion has dropped XXXX points. There have been no negative changes since the complaint was filed. On the contrary, I have paid beyond my monthly bills and my total utilization is now at 11 %, which should have a positive affect.

Furthermore, I called the bureau directly and after being on hold for a time, a representative answered my call. I explained the situation and the call goes still and no one seems to be on the other line. I didn't get my concern addressed.

Once my score is updated to reflect my current utilization, my score should be increasing dramatically. TRANSUNION is unjustly prohibiting my progress and I need an answer for this action.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request than this information blocked. I have enclosed a copy of my Police Report/ FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identify theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : FRAUDULENT INQUIRIES AND ACCOUNT NUMBER ACCOUNT : INQUIRIES XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion has not wanted to give me a solution to this problem where I am being totally affected to be ability to secure financing for myself and my business. I dont understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. Please help me immediately delete these accounts. 

Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Money transfer, virtual currency, or money service

Coin base complaint : Case # XXXX As a precautionary measure, to protect you against potential loss, we have limited your ability to send crypto until XX/XX/year>. Please try again after this date. 
Actually, dates but I started in late XXXX trying to send XXXX to my wallet for my control. I received the " As a precautionary '' message. I was required to wait until XXXX and tried again but all I got was the same message " As a precautionary ''. I do not want to wait anymore because I am very worried that you actually are holding my XXXX as collateral for someone else. I feel Coinbase has become another XXXX 
I received a message telling me I can send XXXX " Coinbase has launched XXXX Coinbase XXXX XXXX  an XXXX token that is backed XXXX by XXXX ( XXXX ) held by Coinbase. With XXXX you can now securely send and use your XXXX on XXXX and XXXX. '' I do not want a XXXX XXXX held by Coinbase. I want my coin sent to my Wallet. 
This is the second time I have tried to send my crypto to my wallet. The first time I had to wait until early XXXX. Once I tried to send XXXX I got another message. " As a precautionary measure, to protect you against potential loss, we have limited your ability to send crypto until XX/XX/year>. Please try again after this date. '' I want this resolved ASAP. I am beginning to believe the press that COINBASE does not have access to all the XXXX coins required to send my own coin.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, necessitates the removal of any erroneous accounts from my credit report. Can you check the documents? Some of the accounts listed inaccurately report amounts and dates.
Product: Debt collection

Recently, I reviewed my credit report and noticed inconsistencies regarding wrong name variations, addresses, social security numbers, phone numbers, and erroneous accounts. The credit bureaus continue to state that they have verified the debt. However, I have discovered on my report that an account XXXX XXXX XXXX XXXX is not mine and I have no knowledge of this account. This is a fraudulent account, and my personal information was used in a company 's data breach on XX/XX/2023.
Product: Student loan

I recertification my income and family size early at the behest of Mohela. My payment went up as a result. 

Per Ed Department it should go down since the deadline was extended. https : //studentaid.gov/announcements-events/idr-recertification-extended Mohela had not done this and now says they will not unless they are ordered to by FAFSA. 

I spoke with XXXX at Mohela on XXXX and he said they would return me to my old payment and then repay any overage. 

I spoke with XXXX today ( XXXX ) and she said not only will they not repay the overages, they will not follow the guidance put out by the Ed Department .
Product: Credit reporting or other personal consumer reports

I recently my credit report, and noticed that i have a account that is not reporting the correct information. I have a late payment on a account that was actually paid on time. However the consumer reporting agency need to report this account with complete accuracy. this account has not been late on payments. i have attached a record of my credit report on the following date XX/XX/year>2024. i am now requesting you investigate and provide verifiable proof with records showing that i had late payments. if this information can not be verify i demand this account to be update it to paid on time immediately. thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act XXXX  account number XXXX mid credit management company has been reporting improper information on my payment history and has violated my rights. 
15usc 1681 section states I have the right to privacy 15 usc 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my verbal instructions.

15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I have paid this big lots credit card off over a year ago and they are still trying to say I owe them XXXX XXXX  and have been reporting late payments on my credit for over a year I want those removed please
Product: Credit card or prepaid card

My visa credit card with Bank of America was used for fraudulent transactions between XX/XX/XXXX and XX/XX/XXXX. 

There were 20+ fraudulent transactions that happened in just a couple of days ( card used across multiple states on same day ) and I had informed BoA about all the fraud transactions after I got alerted through the the fraud alert on phone for one of the transaction on my phone. BOA had immediately reversed all the transactions ( thank you to them ) and had blocked my card. I was informed that a new card is being dispatched. 

However, a couple of days ago, I checked online and noticed that all the fraud claim charges were put back on my new card. When I called the BOA helpline, they told me that based on the information received from merchant they reversed the fraud claim. I had asked them to share the information but as per them they are not able to share the details. The card was used across multiple state ( NJ, CA, MA etc. ) on same day and physically also at car dealerships, hotels, along with some online orders. For example 1 ) XX/XX/13 - two transactions of {$700.00} and {$400.00} at XXXX XXXX XXXX XXXX CA using Physical card 2 ) Same day i.e. XX/XX/13 - two transactions at XXXX XXXX XXXX XXXX NJ using physical card ( {$650.00} and {$460.00} ) 3 ) Same day i.e. XX/XX/13 - two transactions at XXXX XXXX XXXX XXXX NJ using physical card ( {$400.00} and {$550.00} ) I had asked BoA to recheck through an appeal process officially. I have requested them to get photos from merchants of people who physically used the card across NJ, CA on same day as this is a criminal activity. 

Please also note that physical card was in my possession all throughout which I had also informed BoA during fraud claim process. They had recently dispatched a wireless card to me ( just before this fraud started happening ) which I was yet to open and use. Looks like either a duplicate physical copy of card is created through the new card while it was in mail transit. Or a copy of old card is created using data theft at one of the merchants where I have used it in past or a data theft from some companies data online base. 

While BOA has taken an appeal, they are not reversing the transactions and they have told they will not be able to share any details received from merchants about my claim. 

Therefore, I am concerned as the amount of fraud is significant ( close to {$5000.00} ). I can share more details whatever is required to find the culprits and resolve the fraud. Please help guide me on next steps as BOA is currently not reversing the transactions. Thank you in advance for help and guidance! 

Regards, A Bank of America Credit card customer
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Product: Checking or savings account

My bank account will not get approved so I can cash out. It 's really upsetting. It says it takes 1-2 business days and it 's been a week.
Product: Credit reporting or other personal consumer reports

All collections and charge off accounts needs to be removed immediately from my credit report because it violates my consumer rights the information you have is inaccurate and incorrect and needs to be removed Asap I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the EXPERIEN credit reporting ^r agency block all of the accounts, collections, and hard inquiries identified in this CFPB ^r complaint from my consumer credit file within 4 business days of receiving said complaint. I ^r request that all written confirmation regarding this CFPB complaint be sent to me via email to ^r XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a complaint with you all and Equifax, about companies not being able to pull my Equifax Credit file report. I was told to have the businesses to call the Equifax Business Services for them to Work on the problem. This is the response I received back from the businesses about the Equifax Business solutions about why they can't view my file. I was told that my credit file was too large. I ASKED FOR EQUIFAX TO FIX MY CREDIT REPORT WHICH MEANS THE REASON THEY WERE GETTING THE RESPONSE WAS BECAUSE MY REPORT NEEDED TO BE COMPRESSED IS WHAT THE COMPANY MESSAGED TO ME. Now the Problem I am having is that whatever EQUIFAX did to my credit report my Credit Score is not changing and it shows that accounts weekly are being deleted off and added back on which causes my score to go down when they take the accounts off and even when they put them back on its like nothing happens to bring my scores back up. My credit have went up with the other bureaus 28 to 30 points in 1 month and my Equifax has not moved in months and when it do its only down when I have been paying my cards and credit way down. Something is wrong with my Equifax. I now pay for credit monitoring so I can get notifications an I never get any notifications. This has been every week since they have been fixing my Credit. PLEASE GET THIS MATTER RESOLVED IT'S BEEN LONG ENOUGH. My CONNS account should have been cleared off of my Equifax according to an agreement we made in XXXX XXXX
Product: Debt collection

Back in XX/XX/XXXX, XXXX installed an alarm for me. I was dissatisfy with the result and service and equipments were returned as instructed. They claimed the never receive it and demanded payments. Because I was going through so much with my husband who undergone a XXXX XXXX followed by a XXXX, I didn't follow through and allowed them to get payments. I was dealing with too much. XX/XX/XXXX, I received an email stating that there was a missed payment. It was because the card was lost and account had changed. I called and provided them a new card along with the balance which I will attach the email. I was told they will send me a paid receipt which I never received. Instead, they sold my account to a third party who placed the account for collection. And, they are asking for more than what the alarm original cost. Now, not only I never received the service from XXXX, returned their equipment, paid them in full. Now, they got money from another company and allow them to come after me for the full amount again. That's in sane.
Product: Debt collection

XXXX XXXX continues to send this account to collections and this bill has already been paid. XXXX has tarnished my credit by doing so and it is a shame and disgrace that this unfair, and unethical practice by this company. They continue to send it from one collection agency to another. I would like for this to cease. I have proof in my financial records that this bill was paid in full.
Product: Credit card or prepaid card

There was a fraud on the discover card in XXXX, 2023, after many attempts to have the problem resolved, they are still charging me for some of the items. 
Each time we called, on the phone we were on the for a hours and they would tells us the problem is resolved. We talked to them on XXXX XXXX, 2023, they said that the fraud charges would not appear only just new charges until they review it. Today XX/XX/XXXX, I get a call that they want the payment for the fraud charges. That person on the phone did not know anything about the fraud. They caused my credit to be lower with these fraud charges outstanding. The fraud charges were in Florida and I live in Nevada. I am XXXX XXXX XXXX and this is to much stress for me.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX and i am writing this complaint because the ( 3 ) major credit bureaus XXXX, XXXX and Equifax are reporting inaccurate inquiries on my credit report that are hurting my image and profile. This is stressful because i am strengthening my profile and these errors are holding my back. I have contacted all three credit reporting agencies and they refuse to help me. I need ALL of these removed because i did not apply or authorize these inquiries. PLEASE help me here as i have exhausted all my remedies.
Product: Debt collection

On XX/XX/XXXX, I pulled my credit report from XXXX and noticed there is a collection action for {$350.00} with the original creditor as XXXX XXXX XXXX XXXX and Source Receivable Management as the collection agency. I had never been contacted about this debt even though it was assigned to my account on XX/XX/XXXX. I contacted XXXX XXXX  XXXX XXXX for proof of this debt, because I had no knowledge of it, after moving out of the property in XX/XX/XXXX. In XXXX, where I reside, there is a law ( XXXX  Statutes s. 83.49 ( 3 ) ( a ) and s. 83.49 ( 3 ) ( b ) ) stating that I must be notified of move out charges within XXXX  days of vacating the property. I asked for proof that I was contacted within the XXXX period required by XXXX  law, but the property manager can't access the information, even after I asked multiple times. The property manager stated that a system was supposed to automatically send me an email with my move out statement. I asked for a copy of the email since there should still be evidence it was sent to me, but she could not find a copy. I have attached a thread of this email below. 

I then contacted the collection agency to get more information since I have never been contacted by them. I told them that this debt is not mine because I wasn't contacted by XXXX XXXX XXXX XXXX within the period required by XXXX  law, but they just kept trying to get me to pay the debt. Both parties still have yet to verify that the charge was sent to me within XXXX  days after moving out.