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

Lending Club is incorrectly reporting on my XXXX credit report as 90 days late in XXXX and XX/XX/XXXX. XXXX Lending Club loan number is XXXX. This reporting is inaccurate, I was in a hardship plan for XXXX and XX/XX/XXXX, see attached. XXXX XXXX XXXX wrongly returned my XX/XX/XXXX payment when funds were deposited for the proper amount, see deposit slip. As stated by a Lending Club representative to the XXXX  on XX/XX/XXXX, the payment for XX/XX/XXXX was put to the back of the loan. However, when I found out that XXXX XXXX XXXXXXXX returned my XX/XX/XXXX payment, I called Lending Club immediately and had to force a customer service representative to take my payment for the returned XXXX payment because they were not accepting it. This payment for XX/XX/XXXX was done on XX/XX/XXXX. On XX/XX/XXXX I made a payment for {$1400.00}, this payment was for XXXX and XX/XX/XXXX, they were not 30 days late, the extra amount was intended as an additional amount to pay off of the loan. I am attaching payments that were complete from Lending Clubs web site, Lending Clubs response to my XXXX  complaint, my XXXX  XXXX XXXX completed Lending Club payments, Lending Club hardship agreement, XXXX  XXXX XXXX deposit slip for XX/XX/XXXX, a current page of an XXXX report of Lending Club reporting. I am including all of this just in case Lending Club tries to report me any other month late that is incorrect. If you look at Lending Clubs response on the XXXX  complaint, Lending Club assumes my payment on XX/XX/XXXX was for XX/XX/XXXX, no it was not, my XX/XX/XXXX telephone payment was for the returned XX/XX/XXXX payment as I stated to the customer service representative, XXXX on XX/XX/XXXX. XXXX payment was deferred before the hardship agreement and is wrongly being reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from Syncb/ppextr on XX/XX/2019 that i did not apply for or authorize. My credit score dropped 18 points because of this.
Product: Credit card

Applied for a discover card XX/XX/XXXX due to the 0 % interest on the balance transfers. As of XX/XX/XXXX I have not received the card. I was able to log In and asked when the balance transfer needed to be done and was told it was the same day I logged in. I than wrote customer service trying to explain the issue of not getting the card and why the promotional balance transfer was set at such a short amount of time. Customer Service representative said that there was no longer any promos and I would be charged the regular interest rate since I did not do the balance transfer in time. I thought I had a longer time to do the balance transfer or at least the first statement cycle to be transferred not a few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX was notified over 30-45 days ago referencing my XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX accounts not being reported. Creditors confirmed account ( s ) were being reported on a monthly basis. Equifax continues blocking my credit file from mortgage companies and/or other lenders that originate mortgages. 

From XX/XX/2018 to XX/XX/2018 Equifax forward calls to offshore company to handle the account with no resolution but to contact provider of the account " XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX. XXXX, XXXX state to contact the banks with no resolution otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this debt at the end of XX/XX/XXXX, they sent a letter dated XX/XX/XXXX saying they are investigating the matter and they need additional information from me. However, there should no additional information required from me, if they decided to report inappropriately on my credit report. Another letter was received dated XX/XX/XXXX saying their investigation proofs the debt is valid. I sent a debt validation letter dated XX/XX/XXXX requesting validation of the debt and not verification. The letter was received XX/XX/XXXX and I have yet to receive the requested documentation. They are unable to comply with FDCPA as I have have to right to request validation of the debt you say I owe you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX for the past XXXX months trying to get a paper copy of my report because I was told when I try to get insurance that theyre reporting other peoples names at my address I continue to ask them not to do that to please remove it besides that I navigate the permission to give my information to anyone which they are doing. I try to get a report so that I can see everything they doing wrong. Ive called over XXXX times, they keep telling me theyre going to send that wait XXXX days and it has not been sent as of yet I just called again and every time I call they make me stay on the phone like XXXX minutes asking me the same questions about my home address, my cell phone and my drivers license number then they tell me now that my license number is incorrect. I know my license number I have it in front of me so somethings happening. Im not sure what it is but I need help to resolve the situation. I need my report and paper form and I need them to not give out my information without my permission and when I get my report, I see all the incorrect information for them to fix it as well in a timely matter thank you.
Product: Credit card or prepaid card

Hello, I currently have a credit card with TD Bank, for XXXX. I normally buy a phone every 2 years and use this credit card. Well the last time I purchased a phone, when I went to put in my information it asked for all my personal information. So I called XXXX and they told XXXX was fine and my account information would be " linked '' to my current account. So this time when I tried to purchase my new phone, I filled out the information and then was alerted that my credit was run. This is now a hard inquiry on my credit report and now have 2 accounts with the company. I called the company, and was told I applied for credit. I explained the previous experience and how I didn't understand how I would have two accounts from same company. The representative couldn't explain and said they can close the new account and see if I'm eligible to raise the existing accounts credit limit. I was given no other option, I'm at a lost for words how this can happen. I was upset and asked how does this happen and the representative basically didn't want to get into the conversation.
Product: Credit card

I received a text stating that my payment is over due. I didn't open a new credit card. As it is I opened a loan to pay off existing debt not create new debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Back in XX/XX/XXXX, I had a XXXX phone account in my name. I eventually XXXX to the XXXX XXXX and I canceled my XXXX account under the XXXX. About two months, into my XXXX, I received a notice that a collection account had been established on my credit report on all XXXX bureaus by Midland Funding on behalf of XXXX for failure to pay my cellphone bill. In good faith, I paid Midland Funding the amount requested. I then called XXXX and advised that I had canceled my cell phone account under the XXXX They advised me that they would contact Midland Funding and request that the account be taken back off my credit report. I then verified it was taken off my credit report. Then in XX/XX/XXXX, it reappeared on my credit report. I worked with Midland Funding and the XXXX to get it taken off once again. Then back in XXXX XX/XX/XXXX, it appeared for a XXXX time. However, this time it was being reported XXXX. It was being reported this way to all XXXX major credit bureaus. Once as a collection that was paid and closed and then again as an open, unpaid collection account. I called Midland Funding to complain and was told that they had no knowledge of this account. I then called XXXX Credit Services and XXXX to verify what I saw on my credit report and they confirmed it. I then called Midland Funding back and they all of sudden knew what account I was referring to. They advised they would not do anything to help except maybe send a refresher report to the credit bureaus. They also advised that the last time they reported on this account was back in XXXX. I then called the XXXX Bureau directly and they advised that the last time the account had been reported on was in XXXX and XX/XX/XXXX, no back in XX/XX/XXXX. They also advised that Midland Funding had requested some changes to my credit report, XXXX of which deleted the double reporting of the collection account. So basically, Midland Funding lied to me about when the account was being reported on and submitted some changes to my credit report behind my back to try and cover themselves. At least this is my thought. As of right now, my credit report still shows all credit report bureaus reporting an account in collections as well as the account being paid in full. 

Midland Funding ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get an address removed from my credit report. In a previous complaint with the CFPB against Experian they stated : " We store information as it is provided to us by your credit grantors or from information contained in public records. One or more sources of information reported the information you questioned and it is a part of your credit history. '' Experian is stating that even though I sent them a " XXXX '' which is a sworn statement that can be held up in Federal Court and I am proclaiming this is not my address they are still not removing the address. 

Furthermore, I did not " question '' the address I " stated '' it is not mine. Consequently, they are actually taking STORED information which means old and/or erroneous information and using it against me, which is against the FCRA. I would like for Experian to provide me the sources that are providing this information. 

I am also attaching a Police Report that was filed that was per their suggestion and see how they will now respond to their own request.
Product: Credit reporting or other personal consumer reports

I mailed a dispute letter to Equifax with 2 forms of ID proving my ID. They mailed me a letter asking to send us a copy of two different items. Ive already done this! Why do I need to do it again? I called EQUIFAX help line and even sent them another picture state issued IDENTIFICATION and it was rejected? Plis help me with this matter.
Product: Credit reporting or other personal consumer reports

I have tried multiple times to handle this amicably with Transunion if this can not be handled properly i intend to litigate.
Product: Checking or savings account

I have been incarcerated since XXXX XXXX I was released to a rehabilitation center on XXXX XXXX and been here since under servilance and someone has opened several bank accounts in my name and already laundered money thru them I have tried to shut the accounts down but I have limited access to internet as well as the phone. I still have 40 days left and I need this report to go thru I have already filed online with my social security being used for unemployment and I was able to stop that process can you please help me on this matter I dont know what to do the hacker has my ID information as well as my social security card information I would like this matter resolved and pursue charges on the individual or individuals that have done this to me..
Product: Credit card

In 2022 the issuer of old XXXX credit card changed from XXXX bank ( visa ) to XXXX bank ( master ). They did this without giving me any prior notice that my credit card account would be changed to a new one and did not give me in time to prepare to change my auto payments on the XXXX card. I had auto payments set up on the XXXX card to pay for the land rent of my house. I received the new master card on XX/XX/2022 and I was still oblivious of the details, partly due to my language barrier. I assuming that the account number was still the same. In beginning of XXXX my land lord called me that the payment did not go through on the XXXX card. So I have to try the new master card. It went through. But at that point I have already spent the money in my check account that was supposed to pay for the rent. Thus this change of card without any prior notice has had, and continue to have a huge financial toll on both my family and I. My XXXX XXXX dropped from XXXX to XXXX. Right now I owe old navy {$3300.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 
Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion Corp. XXXX XXXX XXXX  : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2018, I submitted multiple disputes against XXXX XXXX XXXX XXXX totaling XXXX. I paid for wedding services that was not rendered. I learned two weeks before the wedding that my vendors who were contracted by this company were not payed. South State gave a provisional credit as well. During the investigation process, I called twice checking on the claim and no additional information was needed because I had sent over all invoices paid, police report, contract, letters from Vendors indicating they were not paid etc. Someone reached out to me from Southstate in the fraud department on XX/XX/2018, asking if I contacted the company and I explained I contacted the company on multiple occasions and didnt get a response. So I asked did they get in touch with her, I was told no. Unfortunately, I received two letters a month later stating : I was denied and they took back the credit saying, they determined no error occurred and they were denying because the merchant provided proof of authorization. I was previously told they couldnt reach her. I emailed all the information from my account online as they requested. I was never asked for additional documentation Granted I sent copies of contracts, invoices, budget sheet, vendor letters showing I made payments and the letters from vendors stating they were not paid. Along with a police report. How was there no error ... .This company did not pay any of the vendors and did not show up for my wedding on XX/XX/2018. 
My denial letter said I could request copies of documents they relied on if any existed. Why yes, I called several times requesting those documents and never received them. You cant speak directly to a dispute representative they have to call you back. Never received a call back after several attempts either.
Product: Credit reporting or other personal consumer reports

Upon filing of initial complaint regarding inaccuracies reported to credit bureaus on the balance and payment/owed amounts on closed XXXX XXXX XXXX XXXX the company replied with further inaccuracies and incorrect reporting. XXXX claims my security deposit was applied to the balance on my card account along with a payment they processed with my bank for the amount of {$950.00} which would make the balance owed on the account {$950.00} plus the {$500.00} since both were processed the same day according to XXXX at an amount of {$1400.00} outstanding. If what they claim is true my account should have been left with a balance of {$950.00}, the amount returned unpaid by my bank but instead the balance XXXX claims still owed is the amount returned unpaid minus the XXXX security deposit. XXXX is incorrectly CONTINUING to report payments and balances on this account and blatantly disregarding banking regulations they're to adhere to. They have consistently falsely reported negative information on my credit reports and refuse to fix the incorrect information causing me extreme difficulty in acquiring adequate credit needed.
Product: Debt collection

I boarded my pet at XXXX XXXX XXXX Hospital in XX/XX/XXXX. We received a call while on vacation saying that our dog needed treatment. We specially declined treatment due to the financial cost ( currently unemployed ). Our contract also states that we would deny treatment. Treatment was administered, upon returning to pick up my pet. I paid for the charge in full. I then disputed the portion of the treatment that was not authorized. One week later our case gets sent to Capital Accounts, a collection agency. I provide them with a copy of the receipt showing the amount paid in full. The remaining disputed portion is between XXXX XXXX  and XXXX XXXX I received a {$0.00} balance from capital account and now I get a call every two days from a different person trying to collect on the disputed debt amount.
Product: Mortgage

Bank Of America received my Impounds bill on XX/XX/XXXX, and held onto the money in my account because they were not delinquent till XX/XX/XXXX - I sold the loan, and closed escrow on XX/XX/XXXX, they mailed me the balance in my impound account but failed to tell me they did n't pay my impounds, nor did I received a due bill from county accesor 's office until today, showing a late fee of {$160.00}. Bank of America claims they tried to pay it on XX/XX/XXXX and it was rejected ( Who pays your taxes once the loan 's been paid off -They should of paid it once it came due? ), then they said they mailed me a notification of what was paid off on XX/XX/XXXX - I never received anything, ( Taxes were delinquent after XXXX? ) I 've called twice today-XX/XX/2017, and spoke with Supervisor, XXXX, and another associate XXXX after waiting over 39minutes on the phone they refuse to pay the late fee 's saying the account is closed, and it was my responsibility- I have no problems paying my bills if I know they 're due, but since my bill was due XX/XX/XXXX and escrow did n't close till XXXX - I was under the impression they paid the bill they received for me. Ridiculous.
Product: Credit reporting or other personal consumer reports

According to 15. U.S.C. 1681 i-5 by law you are obligated to reinvestigate this inaccurate account XXXX XXXX Installment XXXX XXXX XXXX XXXX : Please remove this inaccurate information from Credit Report. Thank You.
Product: Money transfer, virtual currency, or money service

chase bank - XXXX - XXXX XXXX NY. XXXX XXXX, international representative for XXXXXXXX XXXXXXXX XXXX XXXX  - XXXX and XXXX? somewhere - XX/XX/2021, I sent XXXX to XXXX XXXX to release a package for XXXX XXXX thru customs by XXXX XXXX. 
A couple of days later I sent $ XXXX to release from customs in XXXX a briefcase containing the money and a diamond necklace. 

They/XXXX and XXXX funding set up an account in my name as go between for XXXX XXXX. I have documentation of all of this. and emails and phone numbers. 

there is XXXX XXXX XXXX in XXXX - I am suppose to give another XXXX to have the XXXX code release all the money to me. 

allegedly - there has been XXXX taken out to pay an electricity bill to XXXX XXXX in XXXX XXXX CA. XXXX XXXX 's account that has not been paid for several months. - something about limited access to his funds by manager and wife. 

I have spoken to an FBI agent who said to contact my bank - no help there and Chase that received the funds ( XXXX XXXX ) and Cyber Security - XXXX XXXX / allegedly one of the same / does not know I have contacted any agencies in reference to this complaint. 

If I can get my monies back - that would be a great help - and alert others to these people. got nothing else to do with Covid rampant. 

call me or text or email anytime for more info.