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

I recently discovered my credit score had been affected as a charge card debt had been increased. As I have only a single credit card tie as alarming. I s som research to find the card was issued by The Home Depot, of which I have no knowledge. I immediately reached out to the store only to confirm that neither my name, address, prior address or SSN had any association with this account. They then directed me to their fraud department to open an investigation. In the meantime I disputed with all 3 credit reporting agencies. I received my first response from XXXX that as the card issuer confirms the information to be correct, it will remain. This is insane. Whos card is this and how does this just happen? Im supposedly an Authorized User for whom?? I have not advised or approved this for anyone and to be penalized for this fraud is an outrage. I in turn have redisputed this bogus fraud. I am in the process of purchasing another home and will not have this negatively affect my forthcoming interest rate. As I plan to close within the next 60 days, your prompt attention and response is greatly appreciated. 

Many Thanks, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

this collection agency keeps reporting that I received services from there practice. I have never had any medical treatment from this provider while not being insured. I 've always been covered under the florida medicaid office .There have always been a block on all XXXX of my credit filed due to identity theft. I 've disputed these fee with the collection agency and a few of the bills have been deleted but this company keep reporting medical bills for services that I never received. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Medical Which of these best describes your issue? Cont 'd attempts collect debt not owed : Debt is not mine
Product: Debt collection

XXXX XXXX  XXXX XXXX contacted this third party company, BWW Law Group , LLC. in order to collect the alleged debt, without my consent and mentioned that I, the consumer, owes a debt. BWW Law Group is now harassing me, threatening to cause harm, and damage my reputation.
Product: Credit reporting

the company XXXX ( not trans union, XXXX.XXXX ) reported wrongful inquires on my bureaus. XXXX and XXXX of XXXX please these XXXX individuals misused my credit XXXX-inquireies
Product: Credit card or prepaid card

I had a promotion with Care credit and paid off the promotion. They still charged me all the intrest. I was told it was adjusted off XX/XX/2023. It is still on my account and now charging me intrest on that intrest. I am told it is being removed but have to wait 1 to 2 billing cycles. I want this off my credit report. I have waisted so much time with this company.
Product: Debt collection

I received a notification from XXXX dated XX/XX/2020. Then i received an notification from XXXX  stating that a collection account has been added to my credit report and this dropped my score 13 points. I have no contract with XXXX  or Jefferson Capital Systems LLC. I have never received any correspondence prior to this date allowing me to request validation of debt or giving me the ability to dispute this account. I want this account removed immediately and validation of debt from XXXX ( Jefferson Capital Systems ). I have never signed a contract with this company or have any knowledge of this debt from them. Please remove the account from all three credit reports within 30 days and send an updated copy of my credit reports showing this immediate change.
Product: Credit card or prepaid card

The credit card auto-pay feature on the Fidelity cc auto-pay website had a major bug in it which prevented the user 's auto-pay form from submitting properly in XXXX XXXX. I am a computer technician and this most certainly was a bug which I have screenshots of. Resulting, I established an auto-pay numerous times but repeatedly I had the same problem with the auto-pay not drawing from my account ( I filled out the form and hit submit, but auto-pay would not work after numerous attempts ). I attempted to resolve this issue several times with customer support and was largely ignored. Additionally, this organization can not seem to get my physical address correct in spite of numerous attempts to correct this on the phone, and resulting I have not received the vast majority of their mail. Also, XXXX XXXX XXXX already admitted fault and refunded me the late fees, but refused to contact the credit reporting agencies to denote this mistake. Lastly, I was expressly instructed by an XXXX XXXX XXXX representative to disregard mail coming from credit services, so even if I did receive a letter I was expressly instructed to ignore it. 

They claim that it's my responsibility to make payments on a card, but since I am a ) not able to set up auto-pay in reliable fashion and b ) being handled negligently by phone support who can not seem to properly record my physical address and c ) since I made a good faith effort to procure payment, I am forced to file complaint here as my numerous verbal and written complaints have been completely disregarded by XXXX XXXX XXXX. 

I have never missed a payment in my life, nor would I allow for my perfect financial reputation to be tarnished by such a small {$30.00} payment.
Product: Money transfer, virtual currency, or money service

I applied in XX/XX/XXXX for an Apple Card, advertised as " A new kind of credit card. Created by Apple, not a bank ''. I never received an email confirming that I could not receive an Apple Card. My credit reports has notes on the negative accounts that should have been considered positively. I can not understand with artificial intelligence how algorithms advertise Apple products to me and my Cell Phone carrier since XXXX, offers me CREDIT to purchase any new smart device including Apple devices through it's lender, but APPLE  has received revenue from me directly since XXXX for my XXXX XXXX and XXXX and third party for 2 of the 3 XXXX  that I own have purchased, and I couldn't get a line of credit for even its cheapest accessory - XXXX XXXX. 

I just requested my credit report and received it last week and am requesting updates, edits and investigations. I applied for the card to grow my small business by adding helpful accessories to help me run my business and was denied and was not given correspondence to remedy or follow -up. All in the light of Apple and its lender discriminating against women. I am a women small business owner and minority.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a auto loan with USAA for a new car. due to XXXX XXXX i defaulted in two payments in XX/XX/2015. i had since never missed a payment and completely paid the loan over two years ago. USAA is reporting this loan as being active so it still affects my credit report. i had for over a year tried to get them to stop doing it but they simply say they have to report everything, while this is a lie there is no law saying they have to. i have sent multiple notarized letters and made countless request for it to be fix i am still dealing with the same issue.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG  Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Student loan

I submitted a payment to XXXX XXXX XXXX in the amount of {$130.00} on XX/XX/2018. However, I was charged twice for this payment. I noticed the error on the same day as the second transaction was posted to my account and immediately notified the company. I was told that they will issue a refund, but that it would take 60 - 90 days to get back to me. That is 2 - 3 months. The irony of the situation is almost too much to bare ; during my time as a customer with XXXX XXXX XXXX I, too, was unable to pay them for a period of 90 days. I was reported to the credit bureaus, without notification, and as a result my credit situation has been damaged for the better part of a decade. 

Thus, I must contend that XXXX XXXX XXXX, lacks an adequate process to manage a timely resolution for their customers in the event of an accidental, or erroneous charge.I also assert that they lack adequate customer service capacity, as every call I have ever had with them has been frustrating, fruitless, and entirely unhelpful. 

Because XXXX  XXXX XXXX is either unable, or unwilling, to return my funds to me in a timely manner, I have also disputed the charge with my banking institution, and have asked them to assist me in recovering the funds that were erroneously withdrawn from my account, and were not being returned.
Product: Credit card

I had to cancel hotel reservation made through Capital One travel portal because neither portal nor the agent had an option to modify booking instead of cancelling. I paid for it with combination of miles, travel credit, and charge to the card. I was told that my miles will be posted back to my account in 5-10 min, and I would be able to rebook with my new dates. It has been almost a month, and although both travel rewards and card charge have been refunded, the bulk of my payment, XXXX in miles, have not. Since I downgraded the card from XXXX XXXX to XXXX, the refund is supposed to be posted as travel rewards ( {$890.00} ), not miles.

I called at least 10 times, each time given a different story, promised call backs from a supervisor. Tickets have been issued and escalated, hotel blamed, deadlines given. Nobody calls, nothing is happening, my money is being held hostage either by inadequate technology, incapable employees, or on purpose.

I was given no explanation of what the problem was, only that the refund attempt has failed multiple times. My last conversation of this morning, with a supervisor named XXXX, ended with yet another suggestion of me waiting for another 10 business days with no conviction whatsoever that the issue will be resolved by then. 

{$900.00} is way too much money to just let go of. I filed a complaint with XXXX XXXX XXXX Capital One ignored it. If this complaint gets the same treatment, I will take it further.
Product: Credit card

Seven ( 7 ) years ago ( XXXX ), I purchased a monthly subscription to a cloud-based software program, XXXX XXXX. I used a CapitalOne credit card ( ending XXXX ). The creator of the software program abandoned his project shortly after. The Capital One credit card expired on XX/XX/XXXX. 

The creator of the software ( XXXX XXXX, XXXX ) apparently resurrected the project and used old and expired data to send invoices to 7-year-old customers ... during the night, no less. When I opened my email on XX/XX/XXXX, I discovered an invoice and charge for {$110.00} to my current CapitalOne credit card. Despite the credit card being closed four years ago, Capital One linked this business 's current activity/charge to my CURRENT ACTIVE CREDIT CARD! 

Capital One 's policy for allowing outdated activities seems to expose consumers to a substantial RISK of fraud. Banks should be subject to some form of statute of limitations.
Product: Credit reporting

I start making payments to XXXX XXXX on XX/XX/XXXX to XX/XX/XXXX on time for the amount of {$100.00} a month, and XXXX XXXX they said that already report all payments on time but is not in my credit report I want Transunion credit bureau to credit my report pay as agreed for all payments I have made on time to XXXX XXXX.This account was charge off by XXXX XXXX XXXX.
Product: Credit card or prepaid card

Capital One bought the XXXX XXXX credit card that I have had for many years with no late payments. My account was on auto pay and when Capital One bought out XXXX XXXX this fall, the auto pay was not transferred. I did not realize this until I looked at my credit report and saw 2 late paymentsXXXX and XX/XX/2021. I immediately paid the amount due and contacted Capital one. They said XXXX XXXX sent out a notice that auto pay would be disabled and we would have to set it up again, but we did not recieve this notice. Nothing by mail and no phone call. 

I have never had a late credit card payment in my life, and this greatly impacted my credit score and my ability to get a mortgage. Capital One has not been helpful in any way with how to resolve this issue. I have called twice and submitted disputes. I would like them to remove those late payments from my credit report.
Product: Credit reporting or other personal consumer reports

I was on athletic Scholarship for basketball everything paid for I didnt take out no loan for books school supplies nothing I did and got all my info studying online and I finished the school and didnt fail no class when I finished they still charged my XXXX on my credit report that I dont owe and its messing up my credit score and not being able to get funding for my business and llc
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to pay my credit card with the atm machine ( I took money from my husband card I minute before it was ok ) the machine get my card and ask from the money i wait like 3 minutes and they gave me a paper that said that we apologize but we can proceed. The same day I called bank of america and make the claim they said i have to wait 7 to 10 days i call next week and they tell me that they have my call but not my claim. I have to do the claim again I still waiting for and answer but I didn't get nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got an alert of an account that has shown up on my credit report that is not mine. Please remove the account information off my account immediately. 
Here 's the information - Account Number : XXXX XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Account Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to delete an address that no longer has anything to do with me. I spoke with a litigation team and was told legally they are required to delete any and all address that does not belong to many every or any more. XXXX  is the only company who has not followed the laws set forth. I am a victim of identity theft and address XXXX XXXX XXXX XXXX Ohio XXXX should be deleted off of my report immediately as other bureaus have. If this process can not be resolved here I will start all litigation procedures that I was directed to start if this issue is not resolved here
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts were paid with a pay to delete and they still have not been removed from credit bureau. XXXX  has deleted. XXXX and Experian have not.
Product: Checking or savings account

I used Credit Karma ( CK ) tax to file my taxes for the year XXXX. I had issues with linking my personal bank account to direct deposit my federal tax return. So, I could either have a check mailed or open an high yield savings account with CK. I gave the latter a try. Sometime at the start of XXXX, I requested that Credit Karma close my Credit Karma savings account and send me a check for the funds ( {$490.00} ). 

CK will only allow one bank account to be linked to their savings accounts. I did not realize when I selected the savings deposit, that the IRS/government account that paid out tax returns would forever be the account linked to my savings and I could NOT change it. Therefore, the only way for me to receive the account holdings was via check, which I specifically requested. 

CK closed BOTH my savings account AND my entire CK account. AND they returned the money to the linked IRS/government account, NOT a check to my listed home address like I had asked. 

On XX/XX/XXXX, I filed a case with CK trying to explain the issue. I asked to have my account reopened, tried to explain that I only wanted the savings account closed, and that I still hadn't received a check in the mail that I had asked for. 

They replied back stating that they had already resolved the issue and settled on XX/XX/XXXX to my external bank account. 

I replied that I specifically asked for a check to be mailed and that the linked account on file was not mine. 

They told me it sounds like I need help from XXXX XXXX. And then to get help from XXXX XXXX Taxes. There was some more back and forth trying to correct the confusion until I was told that they would have to escalate this issue to another department. 

XX/XX/XXXX, I received an email from CK saying that my funds have been returned to my external funding source. 

I replied that I would really like a phone number at this point to speak with a representative since email was proving to be useless at explaining my problem. 

I waited but received no reply. 

XX/XX/XXXX, I filed another complaint with CK. 

They replied with the exact same same response, that they returned the funds to the linked account. They also said that my account had been closed due to a party fraud project. 

I replied that I had not received any funds and if there was a phone number I could call. 

The last response I had with them said they could give no other details at this time and that they had the right to lock and deactivate accounts at their discretion.
Product: Credit reporting or other personal consumer reports

I requested a removal from XXXX XXXX on my credit report. Documents showing a request for debt validation and a receipt that it was received was provided to Experian. They did not remove the account from my report. 

It is illegal for this company to continue to try to collect this debt. It is not mine, and no response was received within XXXX days.
Product: Credit reporting or other personal consumer reports

I requested my full disclosure file and only received a credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX in XXXX and is was paid and closed in XX/XX/XXXX but they still reporting since XXXX late payments what is not even true because the account is paid in full since XXXX
Product: Checking or savings account

I had deposit XXXX third party checks at bank under XXXX XXXX name by Td Bank. Unfortunatly bank doesnt release money right now. Grand total of XXXX check are XXXX. Td bank closed to account and block XXXX. They wont release this amount. Check are deposited XX/XX/2023 through XX/XX/2023. Its been over a year bank still keep money.
Product: Checking or savings account

I have a low overdraft, XXXX checking account parts came in and we were sh the money to pay the bills, they ran XXXX {$30.00} fees and will not return the second one, we are stuck with a member concerned manager who told me they have every right to not run a courtesy refund even wil us putting the funds. We were that too many courtesy fees.
Product: Checking or savings account

In about XXXX or XXXX of 2021, I started receiving correspondence from Bank of America about an account that I had not opened. I called in XXXX and yet I still receive statements. Perhaps in XXXX I contacted the CFPB, and the bank has responded as of XX/XX/2021. 

Their response does not address the fact that I never opened this account and would like it closed. Instead, the letter says that they have " accurately reported your account to the consumer reporting agencies ''. 

They state that this is not being reported on my file and the letter gives the information for XXXX  and XXXX. However, they will not close this fraudulent account.
Product: Credit card

In XXXX XXXX I signed up for a Costco membership. To pay at Costco you had to sign up for an XXXX XXXX XXXX, which I did. In XXXX customers were notified that Costco had terminated it 's contract with XXXX XXXX and the XXXX XXXX card would not be valid at Costco anymore. Since I already had an XXXX XXXX for work, I did not renew the Costco XXXX card or my membership at Costco, my membership at Costco expired XXXX. In early XXXX I received a Costco CITI visa card and on the back was the picture I used when I signed up at Costco for the XXXX XXXX. I did not request Costco to issue this new Citi Visa card. I have kept the card but I have not used it or renewed my membership at Costco. I am writing to you so while you are looking at XXXX XXXX for opening unwanted accounts, you may also want to check into what XXXX and Costco are up to. Thank you for your services.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to XXXXXXXX you caused me. My information was also impacted by the Equifax data breach and may gotten into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is mistakenly reporting this account as part of my Bankruptcy which is completely false. This account was never part of the bankruptcy. In fact, this account was paid in full as shown in the attachment. Please delete the bankruptcy negative remarks that is attached to this account or delete this tradeline.