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

On XX/XX/2020, I received an email from Experian suggesting I click on Boost My Score, which supposedly uses bills that you pay through your bank account that are not reflected on your credit report to boost your FICO score. Before doing this, my Experian score was XXXX. After clicking Boost My Score, my Experian FICO score dropped 36 points to XXXX.
Product: Credit reporting or other personal consumer reports

I have sent letters to XXXX XXXX  and XXXX XXXX XXXX along with XXXX, Experian and XXXX. In regards to several accounts on my credit report that does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts does not belong to me.
Product: Credit reporting or other personal consumer reports

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 

XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Equifax XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX # XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX A XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS INQUIRY DOES NOT BELONG TO ME, I WOULD LIKE THIS TO BE REMOVED PLEASE. 

NAME : XXXX XXXX DATE : XX/XX/2019
Product: Debt collection

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 recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account ASHRO XXXX Balance : {$120.00} Date Opened : XX/XX/2016 was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. 

ASHRO XXXX Balance : {$120.00} Date Opened : XX/XX/2016
Product: Debt collection

I keep receiving spam texts from " Credit Control dept collector '' saying my XXXX XXXX account is with them and to go to a website or to call them. My account with XXXX XXXX is not in collections and never has been this. This is a completely fraudulent text.
Product: Money transfer, virtual currency, or money service

Between XX/XX/XXXX and XX/XX/XXXX of 2020, I made 12 orders for coins advertised as " XXXX XXXX  XXXX XXXX '', and a couple other American currency coins. When i recieved the first order it was immediatly apparent that the coins were counterfeit. Some were magnetic and none weighed properly. All the rest of the orders were also counterfiet American currency, illegal to buy. sell or own in the USA..i immediatly informed PayPal inc. of the problem and requested that they refund my money, which they have refused to do for the bulk of the orders. PayPal profited from illegal sales and Now with full knowledge of the laws against the sale..specifically 16 CFR part 304 and HR2754. The hobbys protection act and subsequent addition to it, prohibiting anyone from significantly assisting in the sale of counterfiet currency. PayPal inc. Did refund one order and my credit card company refunded 3 orders. That leaves 8 orders totaling ... $ XXXX.I have complained to many agencies about this rip off and in more than one written response PayPal has not addressed the issue of the illegally of these sales in any way..only policy..significantly assisting these XXXX companys in counterfeiting american currency. ..
Product: Mortgage

I was approved for Florida XXXX ( homeowners assistance fund ) for mortgage assistance on XX/XX/22. XXXX sent a past due check in the amount of {$5300.00} the week of XX/XX/22 to caliber. Then, they sent out a check on XX/XX/22 for XXXX 's payment in the amount of {$1300.00} for my regular monthly mortgage. They sent a 3rd check for XXXX on XX/XX/22 in another amount of {$1300.00}. I have tried to contact Caliber numerous times and in a multitude of ways. I have tried calling ( told that they see no payments ), I have tried emailing the single point of contact along with my documented award letters from XXXX ( no response to over 4 emails ), and I have previously filed a complaint with CFPB to which Caliber told me it will take about 40 days to process due to how XXXX sent funds. It has been well over 40 days - it's actually over 60 now. Caliber will not return my emails or get in contact with me. XXXX confirms that Caliber has received the funds as the checks HAVE been posted. Nothing is posted to my loan and I am still being reported as late on my credit.
Product: Student loan

Attempting to repay loan balance however website login is not properly functioning. Am unable to login to account and hold times on phone customer service are over an hour long. All loan information is only available through website. This results in a complete inability to pay loan which may cause penalties or late payment reported to credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SHOWS OPEN, I PAID THIS ACCOUNT TO A COLLECTION COMPANY IN FULL. I HAVE A LETTER FROM XXXX XXXX XXXX. I HAVE BEEN REPORTING TO ALL XXXX CREDIT BUREAUS THAT XXXX XXXX IS CLOSED AND SUMMITED THE LETTER STAYTING ITS PAID IN FULL. ALL BUREAU COMPANIES KEEP SAYING THAT THE COMPANY THAT REPORTED TO THEM SAYS ITS STILL OPEN. I HAVE CALLED XXXX XXXX SO MANY NUMBERS AND THEY SAY THEY DONT HAVE IT OPEN. I DONT KNOW WHERE THE CREDIT BUREAUS ARE CALLING, AND THEY KEEP LEAVING THIS OPEN AND ITS NOT OPEN IT WAS PAID IN FULL AND ITS HURTING MY CREDIT. I HAVE BEEN AT THIS FOR XXXX XXXX YEAR AND NOTHING GETS RESOLVED.
Product: Vehicle loan or lease

I originally purchased and financed my 2021 XXXX XXXX with Hyundai Finance in. XX/XX/2021. I refinanced it with XXXX XXXX XXXX XXXX, was approved on XX/XX/2021, and sent a certified letter with check # XXXX in the amount of {$28000.00} to Hyundai with the full payoff balance at that time to Hyundai. Per XXXX XXXX 's confirmation, Hyundai cashed the check on XX/XX/2021, yet Hyundai has not applied it to my account and are still billing me to which I am paying so I do not get a credit hit on my account. I have called Hyundai Finance 5 times since the check was cashed and they have confirmed they have my check, that it is sitting in suspense, but have not posted it to my account. Note : During my initial contact, they could not locate the check so I was told to write to Hyundai California to file a lost check affidavit, which I did. After this letter, I was promised multiple times that the check was found, and that it would be posted to my account within 7-10 business days. As of last weeks call, a manager representative told me it would be posted no later than yesterday, XX/XX/2021. I spoke to another manager representative in their finance department today and they have told me that there is nothing they can do and they can not speak with their accounting team directly only via email and if they do not respond via email there is nothing they can do. I am on a call on hold waiting for another manager now because no one has been able to assist me and I am being told that there is no one anyone can speak to in accounting to get my funds posted. Each time I call, I have to go through the same conversation where they can't locate my check and then when I give them the check number they locate it. 

This is unacceptable as they are still billing me so I am paying two car payments at this time for the same car. They also have not advised when they will refund me my funds for monies I have been erroneously charged while they were 'locating and posting ' my check.
Product: Credit card or prepaid card

On XX/XX/2022, I made a statement balance payment of {$620.00} to Prosper Marketplace Inc. credit card, to bring my balance to zero and my available credit back to the full credit limit amount of {$1000.00}. On XX/XX/2022, ANOTHER payment was made to Prosper for the same amount of {$620.00}. That means there were two payments made or for one balance. I had fought with Prosper card for over a month, with emails and XXXX phone calls, and there was no resolution in getting one of the payments refunded from them back to me. I finally called my bank, XXXX XXXX, to get one of the payments returned to me. XXXX got that payment refunded very quickly. 

Prosper app is now stating I have a balance due of {$620.00}. I have not used the card since having all of these issues. I sent an email to XXXX on XX/XX/2022 asking why there was a balance on my account when there was none owed. The email response back was that they were sorry my card got declined ( I didn't even know that Prosper put my card on hold ) and that there was a balance because there was a payment returned from the bank. 

I called customer service and they stated that there, in fact, is NO statement balance or the current balance of {$620.00} and they told me I had to wait for the app to clear up. I also asked why my card was on hold and the rep couldn't answer my question, and she would send a report asking why the card was on hold. I asked to speak with someone about my card being on hold and she said there is no phone number or any other way for communication other than just waiting for an email from them. The reference number is XXXX from that call. 

With all of my experience with the refund issue never getting resolved, I am doubtful I will get a response back on why my card is on hold and doubtful that the false balance will clear up on the app. I have read a lot of reviews on XXXX  and a lot of other people were having similar problems. I have also submitted a review to XXXX  and a complaint. 

I am worried that this balance will not clear up on my app and they will charge me late fees as well as affect my credit score and payment history.
Product: Checking or savings account

Savings account opened. Monthly fee {$15.00}, waived if I have {$20000.00}. I deposited {$20000.00} within a matter of days after account opening, but still charged a fee. Very fraudulent marketing!
Product: Credit card or prepaid card

Someone stole over XXXX from me still waiting on my money to be refuned.
Product: Debt collection

I was served to appear to respond to a credit card debt owed. 
I never received a failure to appear from the court in a amount that was incorrect. I was informed by a Law firm that a judgement was rendered in the incorrect amount and I authorized them to with draw from my checking account a amount that I could only handle for seven months. The law firm would not accept a lesser monthly amount. The original loan was {$1900.00}. I paid to XXXX XXXX {$700.00}. 
XXXX sued me for the arbitrary amount of {$3200.00}. I paid the Law firm {$700.00}, which brings my amount to {$2200.00}. Despite paying {$1400.00} on a original loan of {$1900.00}. This is my second complaint concerning this practice of playing loose and fast with the process. 
Last week I called XXXX XXXX XXXX XXXX. They had no knowledge of any of my dollar amounts and told me to call, Fenton & McGarvey Law Firm, P.S.C. Each of those collectors told me too call the other collector. No one would offer any advice other than wait for my bank to contact me.
Product: Debt collection

Credit States that we need to pay XXXX. No communication was given that we had a collection or owed anything. We moved out in XX/XX/XXXX and JUST found out on XX/XX/XXXX that my fianc and I owe XXXX. We left the apartment clean and sanitized, no odors, no defects besides the one the apartment maintenance had left. Left the apartment complex due to untreated pre-existing black mold and spores growing on walls and ceiling. The only thing maintenance did about it was make a big hole in the wall to stop one of the pipes from leaking because that was the source of the black mold. Which is something they are making us pay for. Making us pay for the carpet in one bedroom where the hole was made and the black mold was infecting the floor underneath. Saying that we have to pay for the carpet removal and replacement because of that. The first week we moved there we turned on a ceiling fan in the guest bedroom and the fan broke the blades completely fell off the fan, almost as if the tenants before had broken it and just set the blades in it. We paid for new fan blades out of our own money after notifying the front office, now they are charging us to replace the whole fan because of this. My fianc and I have months of proof asking for the black mold to be investigated and fixed and it never did, now we are being asked to pay for everything they broke and infected because it didnt get fixed and when we kept emailing about the pre existing black mold I got ignored by the apartment managers. I even had my mom try to reach out because at a certain point I started getting sick and they were ignoring my requests. We also have proof of the black mold state under the floor and in the tile of the bathroom and the walls. We have pictures of the mold from the maintenance tearing up the floor and tile while we were still in the apartment. Remind you that all of the problems that we are being asked to pay for were pre-existing problems that were there before we moved in and we moved out due to a lack of management initiative to fix these problems, all they did was pour bleach on the mold, and put holes in the walls. They then put new flooring over the bleached mold this made the mold 3x worse due to the fact that you arent supposed to put bleach on black mold because it could help it grow back.
Product: Credit reporting or other personal consumer reports

I just noticed a hard credit inquiry from First Financial Bank on XXXX XXXX XXXX There was no direct benefit or authorization for First Financial Bank to access my personal information.
Product: Checking or savings account

Good day.! My name is XXXX XXXX and I am reporting Wells Fargo and any affiliates due to a fraudulent account being opened in my name with themI HAVE NEVER had Wells Fargo, and as such have reported this so called checking account fraudulent. Yet they will not do anything about itI have sent in ID Theft Affidavits, etc. and they STILL say they cant do anythingthis is clear fraud, and as such I am giving them this final opportunity to rectify this situation before formal litigation is bought against them and all their subsidiaries for these fraudulent actions. This is your last chance. Delete this fraudulent bank account IMMEDIATELY.!!!
Product: Vehicle loan or lease

This company is a predator on those who are struggling with their credit scores not only was I sold a vehicle that costs thousands of dollars in repairs including multiple engine replacements that left the vehicle in operable they inaccurately reported late payments to the credit bureau as well as initial payments and multiple payments made throughout the years {$0.00} or less than {$1.00} was applied to the principal and the entire payment amounts were applied to interest. On a {$17000.00} loan in 5 years of payments the ending balance was still {$7200.00}. The year after purchasing the vehicle this company was fined 8 million dollars for harassment and inaccurate credit reporting, the name was changed XXXX XXXX XXXX to Bridgecrest and the unfair practices continued. They refuse to remove the account from my credit score which is impacting my ability to improve my credit scores even though the account is paid in full and inaccurate. The harm they have caused by their outrageous tactics and preying on those that fall on hard times should be punishable. I will pay for years for doing business with this company with my credit score, have suffered extreme financial strain related to their practices, the repair expenses and 5 years of payments with outrageous interest rates and mental stress and anxiety of their harassment and have only asked to be afforded the opportunity to repair my credit score by requesting a deletion of the account information from all credit bureaus. The loan is paid off and they gain nothing by keeping it on my report other then to continue to harm me for years to come. I beg for an opportunity to move past this and have this inaccuracy totally deleted from my credit reports so that I can have a fair opportunity to rebuild my credit. I am attaching the account history so that you can see the outrageous funds paid and practices of applying zero to principal including initial payments. I am also willing to provide repair receipts of thousands of dollars for a low quality vehicle sold including multiple engine replacements as well if requested. Thank you
Product: Checking or savings account

Today, XX/XX/XXXX and several times over the past week, I have tried to get the checking account closed only to be told it cant close until the sender of the wire recall his transfer. The sender, XXXX XXXX has informed me that he called his bank himself to recall the transfer only to be told that he cant as he is out of the States. This bank told me the following several times, have him recall the transfer and then close the account. I was told to leave a voicemail for someone to resolve this account. The sender cant recall his transfer and I cant close my checking account. This has already been going on over a week and nothing was resolved.
Product: Bank account or service

Even though Wells Fargo states that they include pending bill pay transactions in their available balance calculations they do not. A user must remember that they have a Bill Pay and visit the Bill pay web page to see the actual available balance. This calculation is n't even available on mobile so a user has to visit the bill page pending transaction page and hand subtract pending transactions. I believe this way of doing business puts consumers in a position to overdraft and incur fees because they are not being forthright with the available balance calculation shown on the summary as well as quick balance web page.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX.
Product: Debt collection

On XX/XX/2023 I received communication from ( Linebarger Goggan Blair & Sampson, LLP ) I requested verification about the alleged debt, which I didn't received. The company is in violation of 15 USC 1692g ( a ) 15 USC 1692g ( b ) 15 USC 1692f ( 1 ) unfair practices. 




The FDCPA broadly prohibits a debt collector from using 'any false, deceptive, or misleading representation or means in connection with the collection of any debt. '
Product: Bank account or service

On XXXX/XXXX/16 I checked my balance online, prior to making a purchase at XXXX XXXX XXXX. It said my balance was {$70.00}. I had a an item pending, but my available balance once the pending item was applied, was still plenty enough to cover my purchase. I purchased {$30.00} at XXXX XXXX XXXX, and went home. That night I looked at my balance, as I do daily. I had money available, although I do n't recall how much at that moment. It was a positive balance, and I saw my XXXX XXXX charge go through for {$25.00} ( less the tip amount, which was {$5.00} ). The next day, on XXXX/XXXX/16, I believe I did n't glance at my balance at all, or make a charge. On Friday, XXXX/XXXX/16, I took my sister to the airport and paid for {$2.00} worth of parking, and we got some ice cream for my kids. Since I had n't used my card since the day before, I was sure I had enough to cover the {$15.00} ice cream and the {$2.00} parking, which would have left my balance at {$22.00}. I did n't see this as a problem as I had a deposit that the depositing bank had emailed me about that stated it was due to post to my bank account on XX/XX/XXXX. I assumed that would occur, and either way my balance was positive. That night I paid {$15.00} toward a presidential campaign donation. Right before I went to bed, I wondered why my bank had not yet posted my deposit, but still I had a positive amount of money in my account. Saturday, I woke and looked at my account, hoping the deposit had finally posted. It had not, and I had now a negative balance, due to XXXX overdraft charges that were erroneously charged to my account beginning with the XXXX XXXX charge. So, this here is the problem. At no time prior to that morning, did my account say I was negative, nor did it say I did n't have enough to cover the very first charge I made, that they say made me overdraw. My balance online still reads {$70.00} prior to the XXXX XXXX charge, and they charged me {$38.00}. Next they charged me another, and another, all snowballing because of the first erroneous fee. It continues on today. I have spoken to the bank on three occasions. Once by phone, when the Rep just told me I was overdrawn, which obviously was not true. The next time I emailed, and was given a basic default response, that had n't much to do with what I 'd emailed about. The third time I contacted again by email, no pretty upset. I was given a response that they would look into the matter and either way call me immediately. That was two days ago. No call, no answer. I want my money back, and hope you can help. As of today, XXXX/XXXX/16 they have fined me {$220.00}. When my deposit came through finally on XX/XX/XXXX, I withdrew the money at the ATM. Then, they fined me for that!!!! I clearly had that money in there. This is just ridiculous.
Product: Money transfer, virtual currency, or money service

Regarding complain no XXXX Paypal told me to release the funds on XX/XX/2021, but they haven't yet released my funds and are not giving me any update on my funds. 
I am stuck and need help from the consumer financial protection bureau.
Product: Checking or savings account

XX/XX/year> {$100.00} {$10.00} XX/XX/year> {$10.00} {$10.00} {$10.00} {$10.00} {$40.00} {$30.00} XX/XX/year> {$100.00} {$100.00} {$80.00} {$1.00} XX/XX/year> {$10.00} {$10.00} {$10.00} {$10.00} {$10.00} {$10.00} {$10.00} {$10.00} {$10.00} XX/XX/year> {$50.00} {$50.00} XX/XX/year> {$9.00} {$19.00} {$4.00} XX/XX/year> {$4.00} {$9.00} XX/XX/year> {$5.00} {$5.00} {$20.00} {$22.00} {$10.00} {$5.00} {$10.00} {$8.00} {$230.00} {$37.00} {$10.00} {$10.00} XX/XX/year> {$2.00} {$10.00} {$5.00} {$10.00} XX/XX/year> {$25.00} {$10.00} {$240.00} {$260.00} XX/XX/year> {$260.00} {$240.00} XX/XX/year> {$40.00} {$10.00} XX/XX/year> {$7.00} {$10.00} XX/XX/year> {$10.00} {$15.00} {$10.00} {$40.00} XX/XX/year> {$11.00} XX/XX/year> {$10.00} {$20.00} {$50.00} {$10.00} {$23.00} {$10.00} XX/XX/year> {$10.00} I called chime multiple times to reopen the case because the investigation only took 1 day. This isnt the only incident thats happened and chime hasnt treated me fairly. But in this case I got into a verbal argument with my ex girlfriend and she used my account unauthorized.
Product: Payday loan, title loan, or personal loan

The Bureaus did not properly investigate my account with LENDCLUB BNK XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The payment history is incomplete, too. No 120 days record was found prior to getting the account to be a charge-off. Moreover, the account has an exact balance which is totally wrong if the account is in fact to be a charge-off. The entire remarks for this account do not concur with each of the information.