23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported me 30 days late. I disputed it several times with XXXX XXXX and the credit agencies. I provided documentation that showed my bill is auto payed from my bank account and since they included a large interest payment one month, the payment was slightly short. I kept paying my bill month after month ( never " missed '' a payment ) they kept carrying over this small amount of interest, not known to me, and eventually considered the entire account late. 

XXXX Disputed it several times with this criminal credit reporting agencies who hold you XXXX with a number. You can't talk to anyone and have to mail letters ( what is this XXXX )? They return the dispute results that show XXXX XXXX as reporting me late, XXXX XXXX doesn't present any evidence, only that they have a piece of paper that says they said I was late! 

XXXX I dispute with XXXX once again. They respond in a few days and they obviously did not do any additional digging. They send me back this attached report that says nothing at all except that XXXX XXXX says I was 30 days late in XX/XX/XXXX. XXXX  is so bad and does such a disservice to the public that I'm going to also attach a screenshot of what they show on my report right now! They show 60 days late, and blank payments for XXXX and XX/XX/XXXX. They literally just sent a dispute report back to me that says it was only 30 days late and they can't even update their own website and info? you are supposed to trust these people with your credit file? It's disgusting..They don't get anything correct and I'm sick of dealing with them. People have enough to worry about in this difficult time than to deal with this non sense.
Product: Checking or savings account

I called on XX/XX/2024 to complain of very low interest rates on balances under {$1000.00} of .05 % This represents borderline fraud and deception as the company itself, HSA Bank is making a significant spread on this money. It is a true harm to the small investor and destroys their ability to grow the funds for their future needs. Also until I called and made them stop, HSA Bank imposed relatively large monthly holding fees of a few dollars on my account. I worry they may still be doing this to others. I plan on closing the account and moving it to XXXX to earn a better rate of return, however they threaten a {$25.00} fee to close the account which fare exceeds the interest on my account earned over 5 years! 
Please use this information to investigate HSA Bank and compel them to drop egregious fees and very low interest rates for those who can afford it the least. Please help me help the average HSA owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax notified the U.S. public that it mishandled Personally Identifiable Information of all its U.S. customers ( including me ; I verified this at their emergency website ) by not investing into proper cybersecurity products, was hacked, and is pushing the burden of fixing the issue onto customers.
This is infuriating - in the U.S., Equifax collects information from you if you do as little as apply for a job, so there was no consent to the collection of my information and certainly no consent to the criminally negligent storage of this information without proper security.
While Equifax is offering free credit monitoring for the next year to all affected, to verify your eligibility to sign up for that monitoring, you must : ( 1 ) Wait several days, which opens the door to your credit becoming trashed through no fault of your own and requiring you to take steps to fix it, when literally every other U.S. customer pursues the same remedies ( 2 ) Consent to an arbitration provision that is legally coercive, unenforceable in many jurisdictions, and likely in violation of the Federal Arbitration Act, basically amounting to trusting the same company that was criminally negligent again
Product: Credit card or prepaid card

A charge was made without my authorization, When I call to quote a trip and the representative XXXX filed the charge without me authorizing it, because I was not sure yet, I indicated that I was going to call her back because I had to consult with the other travelers if they agreed with the trip because we had XXXX  XXXX and I sent the positive tests to the bank as proof and we indicated the error or the charge they made without even agreeing with the reservation, XXXX the representative of XXXX for getting out of the way and not waiting in the line charge my card for the amount of {$1700.00} because I had already taken the information from my bank and told me do not worry that you can dispute it and you will be refunded the money for the error, Unfortunately, this was not the case. I demand that Bank Of America and XXXX by XXXX return my money. It is their problem for not waiting patiently on the phone in what we consulted. Nor do I enjoy any paid service, they kept my money without giving me any option, only to claim that it would be returned, but the problem is that I do not authorize that they submit that charge at any time and I demand my money back, it is not fair that in the middle of the same call they indicate one thing and do the opposite more when I do not enjoy any service for which they were paid. I want you to help me solve my case and get my money back because it is not fair to be billed for a service which was not purchased and not authorized on my part. I understand that the error of the representative I can not pay, also one by law has 24 hours to cancel a reservation which only passed a minute since the representative XXXX told me what I did and I indicated my disagreement. The bank denied my dispute and I have the right as a loyal and excellent customer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX  XXXX {$4600.00} XXXX XXXX XXXX {$4000.00} XXXX  XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX INQUIRIES : XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX Account number : XXXX AMOUNT : {$1300.00} XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX : Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I went to my bank to try and get a loan to help my grandmother pay for her meds and I was denied. I went home and went on that free credit report site and there e.re some items there are not mine. I would appreciate it if you guys will remove these accounts from my credit XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document 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 the months that I was late 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.
Product: Checking or savings account

My friend has continued to pay large amount of overdraft fees ; it works like this, he has a checking account that a large commercial bank, Wells Fargo ; he has a savings account which affords the checking account overdraft protection. He has no money in the savings account ; yet he is permitted to withdraw funds from his checking account via a debit card for an overdraft fee of a substantial amount. He has owed close to {$1000.00} in overdraft fees on more than one occasion in the past, he tends to be financial irresponsible ; and the bank allows him to continue this practice for fees. We have been a couple for many years and he has paid large sums of overdraft fees in the past thirteen ( 13 ) years.
I 'd like to know why banks permit this practice when the only benefit is to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reporting for XXXX XXXX XXXX and XXXX XXXX - both closed accounts. It has been over 7 years since paid late, although the credit late payments are now recorded incorrectly. <P/>Yet they are on my credit as over 120 days late. I can not get credit because of this old credit that should be removed. <P/>Additionally, the XXXX account for {$8000.00} on Experian is a duplicate account ONLY WITH DEROGATORY PAYMENT HISTORY. FALSE REPORTING. <P/>I 'm not as important to them although I am a paying member of these credit reporting companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

1. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.5. The following account was a Charge-off. 
6. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I'm a filling a complaint against XXXX block industry due to and inadequate customer service and unfair treatment which violates C fbp act cash out fail take time and effort to to measure to prevent and address fraud on their platform and leaving my account I'm protected and vulnerable furthermore this dispute resolution process was unfair and defective, as they did not to complying with errors resolution under the efta action financial loss
Product: Debt collection

This debt it 10+ years old and they will not provide proof of the original debt. We mailed the cease of communication notice in XXXX 2015, it has been received by Dynamic Recovery Solutions and they are still contacting us by mail and phone. The latest letter I have is XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I received a notification from Credit Karma. It said I had a new report on my credit. Upon further investigation, I was about a hard inquiry that I didn't not apply/inquire about. 

It was by XXXX XXXX. The inquiry was for a XXXX XXXX XXXX account. Supposedly the inquiry was made XX/XX/XXXX. 

I did not apply for this, I do not know what this is. 

Credit Karma provided me with a link to call XXXX XXXX and have this taken off my account. 

I had first called the number provided at XXXX XXXX., XX/XX/XXXX and talked to a representative. He said I didn't have an account, therefore, he didn't have further instruction or ability to help me because there was supposedly nothing to look into. 

He ( XXXX rep ) said I needed to contact Credit Karma, so I sent XXXX  an email to their support on XX/XX/XXXX at XXXX XXXX. Once I found out numerous people have never received replies, I figured I could call XXXX , seeing how that was the bureau that the inquiry was reported under. 

I called XXXX XX/XX/XXXX at XXXX XXXX. 
The representative gave me instructions for how I can get this taken care of, she even provided me a file number : XXXX XXXX XXXX. 

She instructed me to request a form/letter of release to be sent to my address. Which I would then have to send to XXXX 's XXXX. XXXX in XXXX, PA along with my letter of authorization. 

I called XXXX XXXX a second time, XX/XX/XXXX, at XXXX XXXX. I talked to a different representative, and he stated that this inquiry from XXXX XXXX XXXX was not affiliated with XXXX XXXX. It has no relation to XXXX XXXX, and they don't know why it would be on my credit. 

He also stated that Credit Karma has said that this was a common error, and they tell customers to call XXXX XXXX. He could not send me a letter of release because according to him, if I don't have an account with them then there is nothing to release. 

So then why would this be reporting on my credit report stating to be coming DIRECTLY from XXXX XXXX? It makes no sense. 

Therefore, sticking me into a vicious cycle of contacting whoever the last person told me to contact. 

After various short phone calls, I have no patience to wait months before realizing Credit Karma will never respond to me, and if they did, they would just tell me to contact XXXX XXXX  and the cycle continues. 

I did independent research and found someone who had that exact same problem as me, and this was the method he said worked for him. 

I need to file a complaint with XXXX XXXX, to take that report off of my account because that's exactly what they did for the man who shared this method to the internet. 

I need to file a complaint with Credit Karma. 

And I need to file a complaint with XXXX. 

I need my credit protected. I will be having my first child this year, and I need a house, and I can't get one with my credit sinking because a fake company wants to take money from me. 

Any help would be appreciated.
Product: Debt collection

Have requested before to stop calling & even to put me on the do not call list, and still get calls from time to time after letting them know they have the wrong number & person they're trying to get a hold of...
Product: Credit reporting or other personal consumer reports

There are several issues with the decision that I have that Experian made and as a result you guys are stating that the account was updated and there is still a balance in which I have a letter from the original account holder credit bureau which reflects that the accounts were at a {$0.00} balance since XX/XX/2024 Why is this still reflecting a {$10000.00} balance owed on my credit report with Experian.. XXXX neither is XXXX have this information reporting.. The next issue you guys lied about doing and investigation because if that would have taken place you would have been notified by the original creditor that these accounts were paid in full and paid off.. Experian who is the company reporting this has no direct phone number to get in contact with them.. I would like to file a law suit against them for deliberately lying stating they did and investigation.. 
this is the last time that I am asking that you do a proper investigation in 30 days and delete all information regarding these accounts from the Experian credit report.. Credit reporting companies that break the law can be held liable for damages and attorney fees. In the case of a willful failure to comply with the law, the company can be liable for actual or statutory damages as well as punitive damages. I am asking for a payment of {$1000.00} for each violation and {$1000.00} for each month this reflected after XX/XX/XXXX when the original creditor updated information.. The Dept. Of Education stated that they did not report anything because the accounts were paid off.. I informed them that I put a complaint in with Experian back in XXXX and they stated that if they would have been contacted they wouldve received the information that all accounts were paid off for all loans.. This is discrimination as well as fraud. All loans were discharged!!!! 
Total in damages I am asking for is {$4000.00} for {$1000.00} each month from XXXX to XXXX and any additional months these balances reflect giving 30 days from XX/XX/XXXX, for accounts to have been properly updated and another {$1500.00} because there is no phone number to file a report directly with Experian or get a live person on line along with {$4000.00} for lying and reporting falsely after the dispute stating that a balance was still due in which on the statement report that the original creditors informed them that there was a balance owed.. 
Please complete this complaint within 30 day Checks can be mailed to updated address on file Thank you
Product: Credit card or prepaid card

I applied for an indigo card. Initially to help build my credit. They only provided a lousy XXXX credit limit which is nothing. They charge all these ridiculous fees just to get the card. I actually with my improved credit got cards with higher limits so i did not need this card. Besides the interest rate is horrible, i closed the card. I called them and closed the card. I got a statement showing i got a late payment fee. If i closed the card, why are they still charging me late fees. They are now here claiming the balance is XXXX with a minimum payment of XXXX due. And they are reporting to my credit reports that the payment is late dropping my credit score. This is not fair and i believe it is illegal. Nevertheless this is wrong. Just because i do not want their horrible low limit credit card does not give them the right to mess my credit up and this needs to be fixed. They are using predatory pactices and preying on people trying to get more money from people. I worked hard for years to improve my credit score and i will not let some company come damaging it with their practices. No.
Product: Credit reporting or other personal consumer reports

I am disputing the XXXX XXXX XXXX account on my credit report as fraudulently opened without my authorization. I have no knowledge of or association with this account. Please investigate this matter immediately and remove this fraudulent account from my credit report. Thank you for your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been provided with prima facie proof that fraud is involved with respect to XXXX XXXX XXXX Account number " XXXX ... '' ( Truncated on Credit Report ) yet elects to be willfully complicit in said fraud with XXXX XXXX XXXX. 

Experian has a fiduciary interest in asserting that said account number was 30 days late when it knows of said fraud and is thereby engaged in racketeering. After being provided with proof, Experian has engaged in willful obstruction by not permitting us to dispute the account online citing that our disputes are frivolous. 

Our disputes can not lawfully be deemed frivolous since Experian is aware of the Fraud. 

Populating our accounts with " Fraud Alerts '' ( as Experian has done in it 's efforts to willfuly obstruct us ) does not exonerate it 's responsibility under the FCRA. Populating our accounts with Fraud Alerts causes injury to Experian 's claim that no Fraud is involved. 

This is Experian 's Notice of Intent, binding upon it in with respect to administrative body or court of law that it has now violated the Fair Credit Reporting Act on several counts. 

I kid Experian not, we will wind up in court REAL FAST if the derogatory information for this account is not removed from our credit reports soon.