23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Description of XXXX : On XX/XX/year>, I received a notification from XXXX XXXX regarding a collections matter for an outstanding amount of {$410.00}. The communication indicated that this amount was being pursued for collection Actions Taken : XXXX. I reviewed my financial records to verify the legitimacy of the debt. 
XXXX. I attempted to contact XXXX XXXX on [ insert date of contact ] to seek clarification and discuss the situation. 
XXXX. [ Include any further actions you took, such as disputing the charge, making a payment, or asking for validation of the debt Please fill in any additional details or actions you took, especially the date you contacted them, to complete the description. If you need further assistance, feel free to ask!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) XXXX
Product: Credit reporting or other personal consumer reports

This account is reporting inaccurate information and i would like to get it removed. Please view documentation attached.
Product: Credit reporting or other personal consumer reports

I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Mass. Attorney General 's Office, and pursuing legal action under applicable state and federal laws. 

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.
Product: Debt collection

Midland funding held an old XXXX XXXX account was paid XX/XX/2019 I was told it was closed. 

I was promised a clearance letter would be mailed XX/XX/2019 that I never received. 

The account is has been put on my credit report again negatively and now showing it as a charge off. 

Ive attached the payment transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent out a dispute letter to Equifax in regards to inaccurate reporting on my credit report on both XXXX XXXX credit card accounts. By law, according to the Fair Credit Reporting Act ( FCRA ), I should have received a response within 30 days or less which I never received. On XX/XX/2021, I sent out a demand to comply letter to remind Equifax to respond to my dispute letter and I still have not received a response to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not remove XXXX XXXX XXXX off my credit. 
Its paid in full. 
Its still showing open. 
They still reporting on my credit. 
They will not update. 
The Company contact me and said that it will be remove with 3 days. 
Still not remove off my credit.
Product: Payday loan, title loan, or personal loan

X/XX/2017 Always Money, XXXX, SC. Today we were point blank told " we can legally call you 3 times a day ''. This is in fact a LIE and not the first time this company has LIED to us about the account. As far as I am concerted this is excessive calling and harassment Always Money calling 3 times a day causes stress and conflict.. Always Money is in violation and we need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for Experian to check my credit score and Experian charged me {$1.00} for a week trial. I have called the 4 phone numbers on their website and am unable to cancel by phone, am not given the option, told that I am enrolled in a FREE ( it was not free ) membership and to refer to the online website ( which is absolutely no help ). I need to cancel the membership before my week-long trial ends ( XX/XX/2018 ) and I am charged even more money.
Product: Debt collection

On XX/XX/XXXX, I received notice from XXXX that debt collection was added to my credit report and my credit score dropped over XXXX points. I looked at my credit report and the notice of debt collection was placed by Sunrise Credit Services ( " SCS '' ). I went online to SCS and saw that they were claiming that I owed a debt of {$170.00} to XXXX. XXXX. I don't owe XXXX XXXX XXXX. XXXX. I never received any notice from SCS that they were trying to collect a debt from me. XXXX failed to cancel my account when I contacted them through their XXXX XXXX and canceled my account on XX/XX/XXXX. I have written proof of the cancellation from XXXX XXXX, and I spoke on the phone with XXXX about their failure to cancel my account. I filed a complaint with the Federal Trade Commission against XXXX for their failure to cancel my account and to continue billing me. I don't owe XXXX any money, SCS never contacted me to collect a debt and Sunrise has done no investigation to determine if I actually owe a debt, yet they placed the information on my credit report and caused my credit score to drop over XXXX points. SCS is violating the law and harassing people and should be put out of business.
Product: Credit card or prepaid card

My credit limit is only XXXX dollars and capital One has decline all transactions of XXXX dollars. 

Capital One has email me over five times about my credit limit and has decline XXXX payment transaction. 

I didn't authorize Capital One or XXXX to charge or make payments after capital One email me the decline notice and credit limit notice. 

This matter is a matter of fraudulent activity on the behalf of Capital One regarding my credit limit and the decline notice. 

Both XXXX and capital One are refusing Arbitration under the Federal Arbitration Act regarding the terms and conditions of the Card and rental agreement. 

This is a matter of fraudulent activity.
Product: Money transfer, virtual currency, or money service

On the morning XX/XX/year>, I was a victim of a XXXXXXXX XXXX call who pretended to be my bank ( Wells Fargo ). Unfortunately due to a comprise in my XXXX account my password was leaked and there was money withdrawn out of my account through this spoof phone call in the amount of {$1500.00} and the amount of {$80.00}. Soon after realizing my account was empty I called Wells Fargo within XXXX minutes and they confirmed with me it was a XXXX. That same day they submitted XXXX claims for both of those separate amounts and periodically emailed me updates about the claim status. On XX/XX/year> a provisional credit for the amount {$1500.00} and {$80.00} were credited back to my account. They emailed me saying about XXXX business days. On the XXXX of XXXX they deemed to take the provisional credit away of both {$1500.00} and {$80.00} leaving me- {$1300.00}. When I called into Wells Fargo XXXX XXXX they said that it was due to the face I lied about not knowing the merchant ( XXXX XXXX ). I clarified to them that I never stated that at all and that when I called to file the fraudulent claim, I stated that I did not recognize the XXXX separate charges of the {$1500.00} and {$80.00} to XXXX XXXX. Not the entire merchant. When I questions as to why they decided to take the money on the XXXX business day instead of the XXXX one, they claimed they mailed me a letter stating this which I never received. I called in demanded another copy via email which they said they cant do so now in another XXXX business days I will get the same letter to a new address. I called in today XX/XX/year> to appeal the denial of the claim and get the letter resent. I was transferred between XXXX representative and I recorded the call. They now have said they can not even claim the fraud and I have to go through XXXX XXXX. I requested to appeal the claim and they said theres Nothing to claim because I have to appeal through XXXX XXXX. I am upset by this decision and how only a month later was I informed I shouldve just claimed through XXXX XXXX which makes no sense. Why would they attempt to file a claim that couldnt be processed if they cant claim anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 secure prepaid cards and my credit score dropped 30 points for 1 of them.
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. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

PayPal email me that my account was permanently limited due to the reason they said or acusition in my account even if I'm not doing that thing. I'm not violating any rules in the platform I don't have any dispute in the platform but they banned me. I don't know why. I'm fair of using their services but they banned me. This is not fair for me. Because I'm just doing my business in a good way
Product: Checking or savings account

I went to log into my mobile banking app on XX/XX/year> and it said error this account does not exist. I contacted Bank of America right away and spoke with a rep per the rep account is in the process of closing and I asked XXXX XXXX why its closing they said we are unable to provide that information, I asked why I was not notified and they said I cant provide that information. I asked to speak to a supervisor or someone who is able to provide information and they said it was closed at the banks discretion and that the bank did not need to disclose why it was closed. They were still receiving deposits in my account even though they said my account was closed. They ended up charging me over {$250.00} in fees and said any remaining balance will be sent to you in Check form after they took out fees. I do not understand whats going on
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Open date : XX/XX/XXXX Paid in full XX/XX/XXXX XXXX Account : XXXX XXXX date : XXXX XXXX This account is still open paid as agreed XXXX XXXX XXXX Open XXXX XXXX Balance is reporting inaccurate XXXX Balance Republic financial XXXX Open XXXX XXXX XXXX XXXX Account has been paid off XXXX XXXX
Product: Debt collection

On XX/XX/2018 I was admitted to the emergency room. At the time of admittance I informed the Hospital and provider with my Maryland XXXX information. They subsequently billed XXXX for the services provided in the amount of n {$970.00}. However according to my XXXX XXXX XXXX, XXXX XXXX, the claim was submitted incorrectly by provider XXXX XXXX   and as such was not paid. 

Now Online Information Services on behalf of XXXX XXXX is attempting to collect this amount from me and have placed a negative entry on my credit file. Which legally I can not be billed for this amount due to their error in submitting the claim. 

I have called and written to Online Information Services repeatedly informing them of this and supplying them with documentation from the Maryland Health Department, verifying that I was covered by XXXX and that they can not come after me for this bill. 

Despite being informed of this on five separate occasions they will not close the account and continue to report it as Valid when I dispute it with the Credit Agencies. I have contacted XXXX XXXX and they have told me that they informed Online Information Services that this should not be an open account and again they refuse to remove the entry on my credit file. Which is damaging my score and hindering me in obtaining credit.
Product: Student loan

On XX/XX/2019, New Jersey Higher Education Student Assistance Authority posted inaccurate information to my credit reports [ XXXX  and XXXX  ]. For the record, i owe no student loans, all loans was paid in full to the original creditor. On XX/XX/2019, I requested [ by phone ] to a New Jersey Higher Education Student Assistance Authority agent Cease and desist all misrepresentation and inaccurate reporting to third parties. To date New Jersey Higher Education Student Assistance Authority continues to violate fair credit reporting act, and infringe on my private intellectual copyright/ copy-claim property. Further more i have never receive any notices from anyone stating a debt is owed, i have no contract with New Jersey Higher Education Student Assistance. I never apply for any student loans with New Jersey Higher Education Assistance Authority, I never attend any school in New Jersey nor was i ever a resident of New Jersey State which are the requirements to receive student loan assistance. I never consent to doing with New Jersey Higher Education Student Assistance Authority. New Jersey Higher Education Student Assistance Authority and it's agents are violating my consumer rights, and are practicing bad business.
Product: Credit card or prepaid card

On a statement, American Express set my Due Date as  XX/XX/XXXX  ( Sunday ), From my bank, I initiated Electronic payment on XX/XX/XXXX  ( Thursday ), My Bank processed Electronic Payment on  XX/XX/XXXX  ( Friday ) Bank confirmed in a statement that Electronic Payment has sent on  XX/XX/XXXX  ( Friday ) American Express is saying they are receiving and processing payment everyday from other financial institutes, but still on my statement, they posted payment on XX/XX/XXXX  Tuesday.
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My Bank is saying they did their job on  XX/XX/XXXX  Electronically, and Amex is saying, they are receiving and processing payment everyday, then why American Express purposely putting Payment due date as  XX/XX/XXXX .
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American Express has charged me {$38.00} Late Fee and {$130.00} Interest, which both they refused to remove.
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Its appears that, with Dodd-Frank regulation, Financial Institutions are committed to avoid Traps, which harms consumers and should be avoiding those traps, to make money.
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While American Express knows that,  XX/XX/XXXX  was Sunday and  XX/XX/XXXX was   XXXX   XXXX   public holiday and most of Financial Institutions in USA do not execute internal transactions on Sunday with each other, American Express is benefiting and making money by setting up this type of traps which negatively impacts consumers. So whomever customer do not raise their voice, would end-up paying Fees and Interest without their wrong doing..
Product: Debt collection

*no Duplicate* I have NE VER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.
Product: Credit reporting or other personal consumer reports

I am writing in response to your recent communication dated XX/XX/year>, in which my request to block information in my credit report due to identity theft was denied. I submitted a valid Federal Trade Commission ( FTC ) Identity Theft Report and all the required supporting documentation, as mandated under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. According to the FCRA, upon receiving a proper identity theft report, the credit reporting agency must block the reporting of information resulting from identity theft within four business days. Your letter claims you are unable to verify my identity due to the information. You have requested a copy of my social security card and a type of identification to confirm my address. I have attached them below along with the letter I received from Equifax and request immediate block of the accounts listed. The fraudulent information includes the XXXX account with an amount of {$680.00}, the XXXX XXXX XXXX XXXX account with an amount of {$4300.00}, and the XXXX XXXX account with an amount of {$6800.00}. Additionally, a second XXXX XXXX account under account number XXXX with an amount of {$10000.00} is also fraudulent. 

The Credit bureaus are attempting to stall investigation by sending stall letters that have no merit. There is a decent paper trail I will be filing with the state attorneys office for all damages soon as this issue is unable to get resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was called on   XX/XX/XXXX  by   XXXX   XXXX   XXXX   who told me they were located in NY. The wanted to collect a debt for the pay day loan institution   XXXX   XXXX   and told me that I was to pay {$1100.00}. I never owed that much, but {$200.00}.   XXXX   XXXX   told me that I could keep it out of court to settle it and gave me the option of paying {$50.00} per month which would bring the total debt to over {$1500.00}. I asked them what the original amount was and they said that they did n't have that information because fees from other collectors had been tact on by   XXXX   XXXX  . I received no mail or email whatsoever from   XXXX   XXXX   XXXX   prior nor after, not even a receipt. I paid it and discovered their accountants company on my bank statement known as Broadway Account Services. I contacted them on   XXXX   XXXX   XXXX   and told them that I suspected fraud with   XXXX   XXXX  . They said they would refund me if something was wrong, and asked me if I was issued a receipt from   XXXX   XXXX  . I said no and a few days later received an email receipt from Broadway Account and a hard copy receipt mailed to me. I tried getting hold of them and they did n't contact me after the second conversation. I contacted   XXXX   XXXX   and the agent   XXXX   XXXX    contacted me by phone. She did n't seem to have any answers to my questions in her first conversation with me as she tried to collect but listed all the info she had on me when she called back. I told her that I was planning to investigate it and call my creditor. I got hold of   XXXX   XXXX   who bought out   XXXX   XXXX  . They said they sold the debt to a collection agency who went out of business in  XX/XX/XXXX . My small debt was 13 years old. They also advised me to contact the BBB, FBI, FTC, and my bank to dispute the amount debited which was {$1100.00}. They told me that pay day loans do n't sue nor charge outrageous fees. I would like a full refund from Broadway Account Services. Even if this is impossible, I hope you can catch the crooks so that others will not issue them any money.
Product: Prepaid card

I received a {$50.00} prepaid Visa card from my family in late XXXX. I used the directions for activating the card online and was told it was ready for use, but must be defective. After many unsuccessful attempts at retailers to use the card. I called Vanilla Gift 's customer service on XXXX to inform them the card was not working. They verified the card and said they were sending me a new replacement card via XXXX within 5 days. It did not arrive, so I called back on XX/XX/XXXX. I was told another card was being sent via XXXX On XX/XX/XXXX, I was told again a new replacement card was being sent and I should wait 10 days. On XX/XX/XXXX I called again because I have still not received a replacement card. During this call, I was told to email them directly for further assistance, however I am not confident they will respond or satisfy my complaint about not receiving the replacement card after almost 30 days.
Product: Debt collection

This company has harassed me for a debt they claimed I owe but I never received any letters in the mail nor any proof of said debt. They contained to call even though I repeated told them to stop calling until they provide prove or send me a letter in the mail on such said debt.
Product: Mortgage

I noticed that my mortgage company - Shellpoint Mortgage New Penn Financial ) - did n't paid my 2015 property taxes to XXXX County Tax Office, XXXX NC. As a result the status became delinquent and I'am very concern that, this negative information may damage my credit. I contacted my mortgage company and they said, the taxes were disbursed on XXXX XXXX, 2015. Why then it does n't show on the County Tax website? I sold my house recently, and at the closing, the attorney informed me that my property taxes were not paid by Shellpoint Mortgage and as a result the closing attorney office will hold the check for the property taxes until it show that are paid. What should I do? Please help.