23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Axos bank advertises Cashback Checking which rewards users with a 1 % cash back on some debit card transactions. It does however exclude certain transactions in its terms for receiving cashback. 

I wanted to make a payment to the IRS for my income taxes and wanted to confirm with the service representative that the transaction would be eligible for a cashback since it is not explicitly under the list of excluded transactions. But I am having a hard time getting a straight response. The last response from the representative " XXXX '' mentioned some MCC codes being excluded from cashback but they wouldn't provide me with either eligibility of my purchase for cashback or the excluded MCC codes. 

I fear that the bank uses this lack of information to arbitrarily deny cashback for purchases since they can always pretend that a transaction was in their so-called private list of codes ineligible for cashback.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed on XXXXsubmitted payment information ( paid settlement ) {$390.00}. 
Paid XX/XX/2023 account number XXXX with collection agencyXXXX The disputed finding remain on my credit report and XXXX will not removed After submitting proof of paymentinaccurate information remains on credit reports
Product: Credit reporting or other personal consumer reports

I was checking my credit report, XX/XX/XXXX  and I realize I saw some accounts in or on my report that are in accurate and without my consent and still reporting...
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

For over three weeks my account has been blocked by ally bank, I contacted the bank and was told funds are being directly deposited into my checking account from another party, I then advise them the other party is my son, they then advise me I maybe violating the terms of the account and an investigator will get back to me within 48 hours but they never did. I have since contacted the bank many times but no one was able to advise me on the way forward and thy continued to hold on to the account funds. I read Ally bank agreement and I interpret the attached circle paragraph to mean family members are allowed to use the account, if this is not so then I ask the bank to either forgive the mistake and return the account to good standing, or closed the account and return all money on deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions, I attempted to have my fraud alert be removed via telephone due to the refinancing of my home. Here are the various dates and names of individual spoken XXXX assist with fraud removal. XX/XX/2020, supervisor XXXX states flag confirm # XXXX and fraud alert # XXXX both removed within 72 hours. On XX/XX/2020 called on same issue spoke with supervisor XXXX, whom stated my account locked could not assist. Thereafter stated there was a cliche in the system and as a result of the depart of consumer affairs fixed, the fraud alert and flag has been removed, so advise my lending institution to check my credit again for the third time in the month of XXXX. In addition, XXXX emailed it Supv to fix online account so I can personally take care of all flags and alerts myself for future. XXXX states, IT Supv will send email 7-10 business days from resolution. XX/XX/2020 spoke with supervisor XXXX whom advised fraud alert removed but flag still on account. XXXX again removed flag and gave me confirm # XXXX and advised it would take 72 hours to be removed. Personally asked to be transferred to Dept of consumer affairs and spoke with ms XXXX who alleged all alerts and flags removed and initiated a complaint for me. Complaint # XXXX given to me. Called XXXX to check status of on line account resolution due to 15 days gone with no email from IT Supv resolution, spoke with XXXX whom escalated the resolution of On line account still being locked out with no email resolution from IT Supv. Within 1 day, problem was finally resolved and able to access my online account. XXXX also filed a complaint for me and complaint number XXXX. I look forward to discussing this frustrating situation with someone so no other consumer will suffer like I did. Please call me at XXXX XXXX. Thank you for your support
Product: Debt collection

I disputed an amount from a collections agency called Gold Key Credit Inc. and they did n't inform XXXX and XXXX, the credit bureaus that they report to. Every time I pull up things on my XXXX I see this derogatory amount from them on there. I know I have put 'threatened to take legal action ', but so far they have n't but I know that they will in the future. It 's just what collection agencies do, on top of that, they never answer the phone when I want to discuss my case with them.
Product: Credit reporting or other personal consumer reports

Under U.S code 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, 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. 

This was not followed for late payments reflected on credit report for XXXX XXXX XXXX XXXX XXXX. I request that these accounts be updated to paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to request the deletion of fraudulent hard inquiries from my Transunion credit report. As a victim of identity theft, these inquiries were made without my consent, and I have taken immediate action to rectify the situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As you can see from the list of hard inquiries provided, numerous inquiries were made in a short period of time, which is highly irregular for my credit history. The inquiries were made by various banks, auto finance companies, and other institutions that I have never dealt with before. This is evidence of fraudulent activity, which I promptly reported to the appropriate authorities. 

I take my credit score and financial reputation very seriously, and I have been vigilant in monitoring my credit report for any suspicious activity. As soon as I noticed the hard inquiries, I contacted the credit bureau.

I understand that under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or fraudulent information on my credit report. These fraudulent hard inquiries are not representative of my credit history or creditworthiness, and they are unfairly affecting my credit score. I respectfully request that you delete these fraudulent inquiries from my credit report as soon as possible. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue and restoring my credit report to its accurate and correct state. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft AMEX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted DFAS to get this information updated on my account and have disputed this account with the credit reporting agencies. This account shows a balance on it and needs to be updated as paid in full. the accont still shows it is in collections.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of erroneous accounts from my credit report. Could you review the documentation? Several of the mentioned accounts exhibit inaccuracies in their reporting.
Product: Debt collection

The company sued me in the state of Iowa where I do not live. In addition their process server left a note on my former residence ( which was sent to me ) listing the case number. Searching Iowa Courts for the information yields the name of the company " Calvary Portfolio ''. XXXX  the company makes it clear they are a debt collection company. This note was left in a public place where it was collected by a third party who gathered the above information before contacting me. This is not permissible.
Product: Credit reporting, credit repair services, or other personal consumer reports

that accout with total visa and XXXX XXXX are report that account as wrong i was in jail
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX XXXX of inquiry : XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX  Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of XXXX : XX/XX/2021 ; XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX XXXX Date of inquiry : XX/XX/2021
Product: Debt collection

I just received a notice for a debt collection for credit card for XXXX XXXX, formerly XXXX ( per company rep ) for {$3300.00}. When I called the company about the notice, I was told the account was opened on XX/XX/XXXX and the last payment was made on XX/XX/XXXX. 

I checked my credit reports and this account has never been reported or have I received notice. In addition, this " account '' is over XXXX years old. Per California law, the statue of limitations is 4 years. This exceeds the statue of limitations and is not collectible.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I made a payment on XX/XX/year> for XXXX in a cashier 's check and in a money order. The company applied the money order for XXXX and kept the cashier 's check for XXXX and didn't apply the XXXX to my account. 

This company keeps holding my funds and not applying the funds to my account and not accepting my full payments online. 

Thans I attempted to make the payment over the phone and was denied the opportunity to make the payment.

This is negatively impacting my credit as the company is claiming an amount on my credit report that is owed and is incorrect. 

This company also sent a representative to my home to do a home search after I told this company a week before they sent the representative that I currently reside in the home. The representative is on a recorded camera and refused to acknowledge the company he works for just states he's with my mortgage company and couldn't remember the name.
Product: Credit reporting or other personal consumer reports

I am submitting this statement to formally report that I have been a victim of identity theft. As a result, fraudulent inquiries have been reported on my credit file without my knowledge, authorization, or consent. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be immediately investigated, verified, and removed. 

Details of the Dispute : I am disputing the following inquiries, all of which were fraudulently made in my name : 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 These inquiries are fraudulent, unauthorized, and must be deleted immediately in accordance with federal law. 

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am demanding that the credit reporting agencies immediately block and delete these fraudulent inquiries from my report. 

Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting debt verification for all disputed inquiries. This means that the credit bureaus and furnishers must provide documented proof, such as a signed contract or agreement, proving that I authorized these inquiries. If they can not verify these inquiries with valid evidence, they must be permanently removed. 

Compensation for False Verification : Under FCRA 616 ( 15 U.S.C. 1681n ), if any of these fraudulent inquiries are falsely verified as valid despite my identity theft claim, I am entitled to {$1000.00} per violation in statutory damages. Failure to comply with these legal obligations may result in further legal action. 

Supporting Documentation : I have included the following documents to support my claim : A copy of my identity theft report ( police report, FTC Identity Theft Affidavit, etc. ) A copy of my government-issued ID Proof of my current address ( utility bill, bank statement, etc. ) Requested Actions : I am requesting the following : 1. Immediate blocking and deletion of all fraudulent inquiries listed above. 
2. Debt verification for all disputed inquiries. 
3. Written confirmation that the fraudulent items have been deleted from my report. 
4. Proof that the furnishers of these inquiries have been notified and instructed to cease reporting any unverifiable information. 
5. An updated copy of my credit report reflecting these corrections. 

I expect written confirmation that my request has been processed in accordance with the FCRA. Failure to comply with this request may result in further legal action against your agency for non-compliance with federal law.
Product: Debt collection

This debt of {$200.00} should haven't been sent to collections as XXXX Reps told me on Pre .recorded conversations on the phone that bill or debt was erased and terminated. 
I am in the XXXXXXXX XXXX affordable payment program. 

I have a current active account with XXXX XXXXXXXX XXXX with Internet and Cable and paying only {$58.00} a month not {$200.00}. 
I am respectfully XXXX XXXX, XXXX and a XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have still been reporting negative information on my reports for over 10 accounts on my credit report. This has resulted in low credit score or inability to open new accounts or get better interest rates for a while now. They have accounts on there reported that are 14 years old 11 years old 10 years old 9 years old etc. They should have fell off after 7 years or 7 years plus 180 days and they have been on there wya beyond then resulting in a risky profile and low credit scoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to address a valid credit scoring mistake they have made in conjunction with my loan at XXXX. Experian has refused to accept my documentation showing the error and now has set up a number of cumbersome obstacles to resolving this matter in a fair and honest way. Experian Report # XXXX for XX/XX/XXXX would not honor my request or a portion of it based on limited information. I have provided Experian all relevant information regarding a fraudulent report of credit reporting from XXXX. XXXX claimed that I did not pay my mortgage on XX/XX/XXXX when in fact their own statements show that I made the payment. However, XXXX chose to place my funds in an " unapplied funds '' account without explanation or notification. I have made several attempts and provided documentation regarding this " error '' or intentional fraudulent credit report on many occasions yet Experian continues to deflect, obstruct and obfuscate the matter in some attempt to avoid responsibility. 

I paid the mortgage payment on time and XXXX has of yet to acknowledge the payment or correct the problem. In addition, Experian has failed to thoroughly and fully investigate why XXXX provided them false statements about the credit report and instead has refused all of my attempts to correct this matter and address the error in credit reporting in my file. The attached documentation clearly shows my payment and XXXX and Experian 's fraudulent scheme of credit reporting. This is illegal, immoral and should be punishable to the greatest extent of the law.
Product: Credit card

In XXXX or XXXX of 2023, BMO reduced my credit line from {$10000.00} to {$2000.00} without providing any kind of notice or reason. As a result, I would like to close my BMO credit card account and BMO checking accounts, but so far have been unable to do so.
Product: Debt collection

Back in XX/XX/2020 I submitted a XXXX XXXX XXXX and other documentations about this account was created without me knowing. The person that has created the accounts was charged and in process of being on trial. I have all the documents required. The debt was placed into collections without me knowing.
Product: Student loan

I made a payment to my Navient accounts and the payment was applied to the wrong account which resulted in Navient reporting that my loans were past due to the credit bureau. This caused my XXXX score to go down XXXX points. I have been working with Navient since XXXX 2016 and the issue still is not resolved. I have requested that my payments be suspended until it is resolved but have not received a response. I have also expressed that this error has caused my car insurance premium to increase due to the negative impact their error has caused regarding my credit score. This is the second issue I have experienced with Navient that has negatively impacted my XXXX score and its required that I spend hours of my time and months to get it resolved. I emailed them again today and provided my old credit report with the correct information prior to the misapplication of payment and the current credit report with the inaccurate information.
Product: Debt collection

A debt collector, EOS CCA, has been attempting to collect a payment for a XXXX account that is not ours. I have repeatedly written to them requesting the information on the debt as per the Fair Credit Reporting Act. I have never received a response from them, and they continue to send letters/call about the debt. They sent the first request on XX/XX/XXXX for a XXXX account from XXXX in the amount of {$200.00}, which I responded to with a letter which they never responded to. Their second billing came on XX/XX/XXXX, which I again responded to with a letter. Their third request came on XX/XX/XXXX, which I again responded to with a letter. All correspondence is attached. We have also been getting 2-3 phone calls/day on our home phone number from a debt collector which I have not been answering. 

We had a XXXX account for this service that was disconnected in XXXX when we sold the house. All bills, including the final bill, was paid in full at that time.
Product: Debt collection

I had a XXXX XXXX and a XXXX on my XXXX done by XXXX XXXX XXXX on Friday, XX/XX/XXXX and Friday, XX/XX/XXXX, I paid {$1200.00} out of pocket. I just got a letter from a law firm stating I owe an additional XXXX. I call the XXXX XXXX XXXX and they stated the insurance didn't cover what was done. I then called my insurance company and they stated XXXX XXXX XXXX used the wrong dental codes and overcharged by {$500.00}. After I got the dental work done by XXXX XXXX XXXX, I thought it was a bit much so I went to another dentist in the area to get work done on another XXXX. They quoted me on a XXXX on the opposite side with two options : a XXXX and XXXX XXXX XXXX XXXX. The XXXX quote was {$1200.00} and the XXXX XXXX XXXX was {$280.00}. Unlike the XXXX and XXXX I got done at XXXX XXXX XXXX, I opted to get the XXXX XXXX XXXX. XXXX XXXX care has a history with The Nguyen Law Firm , PLC in bullying people and ruining their credit with overcharging clients.