23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I paid Credit Card on XX/XX/XXXX, but scheduled for XX/XX/XXXX when it was due. On XX/XX/XXXX, I changed my mind & requested it be paid that date. They processed both payments, instead of one. I contacted my bank & the bank reversed the XX/XX/XXXX pmt. On XX/XX/XXXX, I went online to pay XX/XX/XXXX bill~website would not accept. Called customer service again; was told there was a 'block ' on my checking acct. They asked me to get bank to give me a letter verifying that I am the authorized user of my checking account. My bank refuses to do letters ; their policy. Instead, I went to bank branch and Mgr gave me a direct deposit slip with my name, routing & acct # s. She would not sign or date it... I emailed to Credit Card company so they'd 'unblock ' the checking account. On XX/XX/XXXX, thinking this matter was resolved, went online to pay the XX/XX/XXXX payment ~ still blocked ( " negative status '' ). So I mailed them the check for {$48.00} and asked that they not access a late fee, since this was not my fault. They processed the check which cleared the bank on XXXX. I went online today to make the XX/XX/XXXX payment ~ checking acct is still blocked! They also charged me a {$29.00} late fee ~ one billing agent said she'd waive the late fee. Then transferred my call to try to get my checking acct " approved '' online. I asked " If you processed my check on XXXX~from the same bank with my information on the check~why can't they accept an online payment? They even sent an email telling me " We got your payment. '' [ One Customer Service agent I spoke with told me I needed to get another form of payment, like opening up a new bank account. I'm not doing that ... and shouldn't have to. ] The guy I spoke with re Acct Authorization said he will resubmit to their " team '' for further investigation, but as far as he was concerned, the direct deposit slip wasn't good enough... nor was the fact that they've already processed a check from my bank account. ALL of my accounts have " perfect payment history '' ~never late... until this! Attaching 20 pages of this saga. All I'm trying to do is make a payment.
Product: Credit card

On XXXX XXXX, 2015, I purchased a vacuum from XXXX and paid for it using XXXX on my credit card. I used my Capital One Visa card. The amount was for {$960.00}. I received the vacuum in XX/XX/XXXX. However it did not work. I tried to return it by emailing the merchant, XXXX XXXX, XXXXXXXXXXXX. The merchant would not allow me to return it. Then, I contacted XXXX, they said I must deal with the merchant and it would be her decision. I then, filed a dispute with Capital One Bank. On my XX/XX/XXXX statement I was re-billed {$970.00}. An amount that was higher than the original purchase. I called Capital One Bank to ask them how to resolve the problem. They told me that a letter was sent on XX/XX/XXXX stating I would need evidence supporting the vacuum does not work and also a letter from another company who sells vacuums, stating 1. what the merchant who who sold me the vacuum did incorrectly, 2. how the problem can be corrected and 3. the cost to correct it. 
My problem is that I can not find another company who sells vacuums that will give me this type of letter they are requesting, especially if I did not purchase from them. I also do n't know how to give evidence that the vacuum does not work, another requirement from Capital One Bank. 
I feel these requests that Capital One Bank are impossible to obtain and completely unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a dispute to Equifax regarding XXXX XXXX. I called XXXX XXXX first to work out reporting. They state my account has been closed since XX/XX/XXXX. ( verified verbally as well as the XXXX  tracking on the check sent to them ) Yet, they reported to all bureaus that it was open. They received a check for {$22000.00} which is in excess of the XXXX payoff amount due. Proof attached, verbally stated it is good through XX/XX/XXXX the date the check was received.Then they stated to all bureaus that my debt amount owed to them was XXXX ( the amount of the check ) which caused a 34 pt. decrease in my credit score. Proof attached. 

This is troublesome for several reasons - unfair, incorrect reporting. Credit damage. Reporting an account as NOT closed yet agreeing over the phone it is. Appearing to intend to keep the refund owed due to cancellation of the warranty. Contract states it is owed to me ( Illinois provision ).
Product: Checking or savings account

I authorized a payment for a credit check ( {$48.00} ) and a hold on an apartment ( {$300.00} ) that I might rent, giving an apartment complex my routing and checking account number -- a one-time transaction. Later I learned that the property manager was ethically challenged, with numerous lawsuits against them as well as the XXXX of CA after them for forming a XXXX  to raise rents in CA. I was fearful that this unethical company might try to take more from my checking account, so I called my bank, Chase. Sure enough, I was told that the company could take more money from my account -- an XXXX. After three phone calls during which I spoke with at least eight Chase employees I was persuaded that the only way to prevent unauthorized withdrawals was to pay {$30.00} to stop payment. In my view it should be a simple thing to ask a bank to cancel an ACH. I don't mind paying {$30.00} to stop a payment that I authorized, such as a check I've written, but why must I pay {$30.00} to stop a payment I did not authorize? I suspect that banks are collecting {$30.00} stop-payment fees from millions of customers who want to stop businesses from taking money from their accounts.
Product: Debt collection

I do not know where this acct came from, it does not belong to me
Product: Credit reporting or other personal consumer reports

After examining my credit report, I identified inaccurate accounts that were not due to any error on
Product: Credit reporting

I checked my account on XXXX XXXX and all my inquires were deleted and now I just checked it again and they are all back on.
Product: Debt collection

southwest credit systems L.P. continue trying to collect on a debt that is barred from collecting according to 42 PA C.S. 5525 ( a ) promissory notes and open end accounts is four years
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. The account in question is XXXXXXXX XXXX XXXX XXXXXXXX date opened is XX/XX/XXXX. Since charged off the date of last activity has be inconsistently updated across all three credit reporting agencies, XXXX reports XX/XX/XXXX, Equifax reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion have both been sent 4 disputes on account that is reporting " derogatory '' that is paid and no history of being derogatory. Ive attached the 4th letter I sent to transunion and the copy of the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit inquiry for was placed within my TransUnion/XXXX/XXXX credit file.
Product: Checking or savings account

Overdraft fees and companys charging my accout after i called said it was fraud it shows up again and takes money out XXXX i was charged XXXX dollars for XXXX dollars over draft but the same day tried to take money out and was denied
Product: Credit reporting or other personal consumer reports

, My personal information was compromised during the XXXX data of breach and a credit card account was opened in my name. I reported to the collection company XXXX XXXX XXXX reference number XXXX that brought the account from XXXX XXXX Bank account # XXXX that this account didnt belong to me and to stop reporting it on my credit report. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX Bank account number ending in XXXX and then sold to XXXX XXXX reference # XXXX XX/XX/year>. This account have resulted in a fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against XXXX XXXX XXXX XXXX ( separate complaint filed w/all XXXX bureaus : XXXX, TransUnion, and XXXX ) XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX Bank and sold to XXXX XXXX XXXX under the reference number XXXX with a balance of {$540.00} ), 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 FICO 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 # XXXX 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. 
What would be a fair resolution to this issue? Please remove from credit report I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that the TransUnion credit reporting agency XXXX XXXX of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have 3 hard inquiries on my credit report that I did not authorize. 
-XXXX credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies ran my credit without my authorization.
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. 

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries 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 AZ XXXX XXXX XXXX XXXX XXXX, AZ 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  AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : 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 card

I would like to register a complaint about a Fraudulent transaction on my Credit Card. Attached is the receipt for the Fraudulent transaction and below are complete details : Bank/ Credit Card Issuer XXXX Bank of America Card Type : VISA Merchant : XXXX XXXX, Store # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX Purchase Amount : {$1000.00} Purchase Type : In-Store Self Check Out/ Card Purchase Date of Fraudulent Purchase : XXXXXXXX  Time of Purchase : XXXX The credit card used for the above purchase was with me, and I am at my home at the time of the Fraudulent activity ( XXXXXXXX XXXX ). 

I received a text message on my mobile on XXXX at XXXX about the above purchase, after which I immediately 'locked " my XXXX Bank of America credit cards and called Bank of America Fraud protection customer service and reported the fraud. 
I spoke with XXXX XXXX store the next day ( XXXX ) and informed them about the incident. I spoke to store manager ( s ) 3 times over phone and went to the store and got the attached Receipt with the details of the goods purchased using my ( cloned ) Credit Card. 

Bank of America closed my claim stating I am responsible for these charges, and I am not happy about being held responsible because I did not loose credit card and my physical credit card was not used for the purchase. 
Attached are the screenshots of the Claim, Claim Notes and the Credit Card transactions asking me to pay the charges.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian regarding incorrect information of late payments being reported on my credit report ( refer to report number XXXX ). During the dispute, I requested statements, transaction records, and the specific procedures the company took to verify the information. Experian did not follow up or provide any of the supporting information to confirm the accuracy of the alleged late payments that are reporting on my credit file, as requested. I recently was notified that the CFPB has filed a lawsuit against Experian for accepting unreliable information and not performing a thorough investigation. This aligns well with my situation. Experian has not attempted to remove nor correct the false information as requested in the dispute I opened with the company. I'm requesting the derogatory remarks be removed or corrected immediately, as it is affecting my chances of getting any loan request I may need. Furnishing this incorrect information, Experian is violating my rights as a consumer and also federal laws according to the FCRA. The accounts in question are listed in the original dispute ( report number XXXX ), but I will list the inaccurate accounts below as well. 

XXXX XXXXXXXX Acct # XXXX XXXX XXXX Acct # XXXX
Product: Debt collection

I am writing in regards to a late payment on my credit report from for XX/XX/XXXX on my Bank of America account # XXXX, credit limit {$33000.00}, that occurred due to my email being hacked. ( See Attached proof ). 

In XXXX, XXXX my XXXX email ( XXXX ) where I get my statements from Bank of America was hacked. Due to this, Bank of America did not get to me at the time and I was not even aware my account was carrying a balance and had a payment due. 

Months later after dealing with XXXX, when I was able to access my email, I found that there were emails from Bank of America and I was late on the mentioned account. I immediately made the payment on but by that time I was already marked late. 

Again, this was a situation that I could not control. Anyone can be a victim of identity theft. I had over {$45000.00} in the bank, which was more than enough to make the payment. This was not a money issue or even worse, because I did not want to pay. Now I have a perfect record of on-time payments. 

As a courtesy, I am requesting that Bank of America make a goodwill adjustment and remove the late payment from my record. This account was closed, but I have been with you since XXXX ( with another account ). You have been my bank for a long time. 

See attached : - Proof of email hacked - FTC Report - XXXX Bank statement showing funds Thank you for your consideration. 

XXXX XXXX XXXX
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. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Getting continues robocalls to my home phone number from XXXX debt collection asking me to call XXXX or XXXX. When I call these numbers they do n't provide any information and they keep on asking me my personal information. They do n't provide anything in writing and I do n't owe any dept.
Product: Debt collection

wasn't aware of owing any creditor as i check my credit report frequently. On XX/XX/2020 i went to withdraw some money from my account and my balance was {$0.00} on checking and my savings so i went into the bank and was told that the law office of Harris & Zide had a judgment against and was allowed to take money from my accounts. So I called XX/XX/2020 spoke with a gentleman asking why did they take my money he then asked for my last for of my social I gave to him. He then said yes I owed money so I replied to who do I owe money to how much and what is the company name that I apparently owe money to he then said hold, but hung up on me. I then called back no answer so I called repeatedly and no answer. I did get a copy of the Judgement and everything that shows for my current Information is incorrect except my social security #, So I was never given or even mail me a judgment so I could respond. The address noted on the judgment is not my address there is no ph # for me so I do not understand how they got away with taking someone's money like that no up to date or current info. I just lost my XXXX-year-old son he was XXXX  and the money in my savings was money i had saved and collected to XXXX  my son so you can imagine what I'm going through having to deal with something that has nothing to do with me as far as I can see. They have violated my rights in every way this is unjustifiable, recklessness on their part and should not be practicing as a lawyer. How many other consumers have they done this to most likely no one has spoken or made an attempt to file a complaint because they are a lawyer so the consumer gets scared. well, i demand that they suspend their license for knowingly Intentionally taking advantage of a consumer who they most likely thought would not take this further.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports