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

XXXXXXXX XXXX XXXX Inquiry : XXXX reported as fraud/ inaccuracy XXXX XXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX Inquiry : XXXX XXXX Reported as inaccuracy did not complete transaction XXXX XXXXXXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX  XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction *All these transactions were reported to the bureaus and I have been sending documents to get them removed however they are still on my Report. These transactions were not performed by me as I was victim of identity fraud and a lot of my Information was used unlawfully.
Product: Debt collection

A few months ago, Discover Student Loans required my profile to include my employment information. No other contact information was changed. On XXXX XXXX ,2017, they have now used that information to email my work regarding my loan. Just today XXXX/17 someone tried to call my employer. I believe that they wanted to get my employer info to reach outside of the information they already. I am requesting that Discover Student Loans be fined both both inappropriate contacts on the dates provided. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the inaccurate information present on my credit file reported by EQUIFAX. The details in question lack proper certification, validation, and physical verification, rendering them questionable and not proven to be valid. My address is XXXX XXXXXXXX XXXX XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX, born on XXXX. I have identified potentially duplicative and unquestionably dubious requests on my credit record, lacking any authorization from me. As a consumer, I am within my rights to request the prompt removal of these late payments, as they violate both federal and state consumer/civil rights. This complaint serves as a formal request for compliance with FACTA Title 1 Section 151, which explicitly mandates a clear description of the reporting process. This issue pertains to the accuracy of data and the reporting procedures
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to ONEMAIN. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit card or prepaid card

I was told that " XXXX '' was used on my debit card in XXXXXXXX XXXX XXXX. I never did this! BUT, Capital1 never sent me paper statements or emailed statements. I got none! Their app does not show where purchases came from on the app when you download the XXXX. It only says " Purchases '' not where said purchase was made. Interest for credit card fee, interest for cash advance. It does NOT show where purchases were made from. I was told the purchase was for {$28.00} in XXXX XXXX  XXXX. It is now XXXX XXXX  XXXX. Capital1 is saying that that {$28.00} has not been paid off, that I never made. I make my monthly payments religiously & on time. I never made the so called " XXXX '' purchase but better yet, how would {$28.00} NOT have been paid off in the course of 1 year and 5 months? This is not possible. I was told my payments are allocated how they deem fit, per their contract, but 1 year and 5 months they have been charging the normal interest rate PLUS the 31.4 % interest rate for the " XXXX  '' I never made. So I'm paying for 2 SEPARATE interest rates? How is this legal? How is this possible to charge for that length of time for the amount of {$28.00}, every month at 31.4 % interest rate as a " cash withdrawal in XXXX XXXX  XXXX '' on top of the 29.99 % monthly interest rate? This is not possible that that specific amount has not been paid off! And once again, I didn't make that charge. Credit card companies should not be allowed to double dip in the interest pool.
Product: Debt collection

I have called this medical company to let them know that I do n't know anything about about this bill, I have never had any type of medical treatment whatsoever I always have medical insurance I needed to go to the hospital or any medical facility it would be paid for through my insurance so I know for sure I did not have anything to do with this. It 's ruining my credit for the amount of XXXX the company is called Debt recovery Solutions. I have tried communicating with them and they are not trying to listen to my side of story they are very rude and hard to deal with every time I dispute it with XXXX they always put it back on after it can delete they 're playing with my credit report I have no help.
Product: Credit card or prepaid card

Recently I've gotten a direct deposit for louisiana unemployment benifets and I ordered some food then they said my account was suspended.
Product: Debt collection

On XX/XX/XXXX, I sought a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX. The office visit was with a doctor in the XXXX XXXX XXXX XXXX XXXX, and was also a referral from my personal care physician. This visit was 100 % covered by my spouse 's employer 's Employee Assistance Program XXXX XXXX XXXX ). 

A year after the visit, XXXX XXXX XXXX XXXX XXXX sent me a delinquent bill notice in the mail. After following up with both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, it was determined that the provider ( doctor ) had improperly and illegally double billed for the service. XXXX had paid XXXX XXXX XXXX XXXX XXXX in-full, and no money was owed. This original debt was for over {$100.00}. 

On XX/XX/XXXX, I received a debt collection notice in the mail from Asset Care, stating that they had been sold this debt and were attempting to collect it. This time, the debt listed is {$20.00}. XXXX XXXX XXXX XXXX XXXX sent a six year old debt for {$20.00} to a debt collection agency. 

Since the time that the debt was deemed to be paid-in-full in XXXX until XX/XX/XXXX, I had received no correspondence from XXXX XXXX XXXX XXXX XXXXXXXX regarding this supposed debt, even though I had continued to use their services during that period. Following the notice of collections, I have attempted several times to get an explanation of the debt from XXXX XXXX XXXX XXXX 's billing department, but they have refused to discuss it, saying that they sold it and can not assist me with anything. They have told me to contact their " Patient Advocacy '' line at XXXX. That is NOT a patient advocacy line. That is a phone number for the debt collector ( AssetCare , LLC ). 

Not only are they creating fake debts, they are also misleading patients into contacting a debt collector under the guise of speaking to a patient advocate. 

Essentially, they made up a fictitious debt, never notified me of it, waited for several years for it to become delinquent, and then sent it off to collections to attempt to tarnish my credit and image.
Product: Credit reporting or other personal consumer reports

Citibank continues to report an authorized user account as if I have ownership of the account. I was removed electronically from this credit card months ago, before it was closed. However, when I dispute this account with XXXX, they continue to say the card is mine and I am the owner. XXXX requests a letter stating that I was removed as an authorized user before they will delete this from my credit report. However, Citibank reps refuse to offer the letter and still continue to make me responsible for this account, at one point saying nothing can be done since they have sold the account to someone else. I am not legally liable for this account and want it deleted from my credit report. XXXX XXXX, my mother, is legally liable for it. I was just an authorized user.
Product: Bank account or service

Wells Fargo deceptively opened a personal line of credit. It has fees attache with it to have it open and it gave be a hard ding on my personal credit report. When I spoke with Wells Fargo they said " sorry '' and they will talk within their internal teams to resolve it - no solution or help for me ... 

THE STORY : I went into Wells Fargo XXXX, CA to get a new credit card for XXXX that I lost. When I did that the banker recommended I open a personal line of credit - which would have an interest rate between XXXX %. Then I should move my credit card balance to that and pay off my debt slowly with a lower interest weight. No brainer - right? 

When I opened the account - I received a XXXX % interest rate - higher than my credit card. When I called the banker back, he said sit on the account for XXXX months and do n't use it, then Wells Fargo would lower the rate. Obviously, that never happened. That account has been sitting open, untouched, unused. Not even once. Why would I? It 's higher than my credit card interest. 

I have been paying fees on this account to have it open ( if I close it I get another hard ding ). When I opened it, Equifax gave me a hard ding as well.
Product: Credit reporting or other personal consumer reports

I noticed the problem in XX/XX/XXXX Incorrect Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I am filing this formal complaint against Discover Card for the unexpected closure of my two credit card accounts on XXXX personal and one businesswhich I believe involved discriminatory practices and has negatively impacted my credit score and financial stability. 

Details of the Complaint 1. Account History and Credit Score * I had maintained an excellent credit score of XXXX before the closure of my accounts. 
* Both credit card accounts were in good standing, and I utilized them responsibly by making large purchases and paying off the balance promptly to maximize cashback rewards. 
* The closure of these accounts, which were both thriving, caused my credit score to drop significantlyfrom XXXX to XXXX. 

2. Issue with Payment Processing * I had previously paid both my business and personal accounts through the credit card companys business processing center. However, the system inconsistently processed payments ; at times, both accounts would process successfully, while at other times, payments would fail to process correctly. 
* This inconsistency led to occasional delays in payment processing. I reached out to Discover Card to explain this system flaw and requested that they address the issue or reconsider the decision to close my accounts. 

3. Attempts to Resolve the Issue * After receiving notice of account closure, I immediately reached out to Discover Card through several phone calls and written correspondence to explain the situation and request reconsideration.

* Despite my good payment history and excellent credit score, the company refused to reopen my accounts, citing that one previous late paymentcaused by their processing inconsistencyjustified the closure of both accounts.

4. Impact of Account Closure * The closure of these accounts has had a severe impact on my credit utilization ratio and overall credit score, lowering it from XXXX to XXXX. 
* This negative effect on my credit score has made it more difficult to access favorable terms for other credit products and has unfairly penalized me for an issue that was caused by Discover cardss processing system. 

XXXX. Discover Card adverse Actions has caused others Banks to follow them. 
* After Discovery Card closed the 2 accounts account other banks followed also closing their account with me.

* Long on time excellent Credit card history is now gone because the closing of my accounts which penalized good payment history has serious harm my credit.

* Im right now reaching out to other banks to restore over 15years of excellent payment history.

Conclusion I believe the decision to close my accounts under these circumstances was unwarranted and had a disproportionately negative impact on my creditworthiness. I respectfully request that the Consumer Financial Protection Bureau review this matter and hold Discover Card accountable for any discriminatory practices or system errors that led to this outcome.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted disputes with XXXX, XXXX, and TransUnion. Along with each dispute, I provided the required proof of identity and proof of address to ensure proper processing. 

As of today, XX/XX/XXXX, I have not received any correspondence or updates from any of the three credit bureaus regarding the resolution of my disputes. This lack of response directly violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus investigate and respond to disputes within 30 days. 

I am requesting an immediate review and resolution of the issues I raised in my original dispute. Additionally, I expect a detailed explanation for the delay and confirmation of your compliance moving forward.

Please prioritize this matter and respond promptly. Failure to do so may result in further action to protect my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
Last 4 of SSN XXXX XXXX XX/XX/XXXX XXXX XXXX allegedly opened XX/XX/XXXX Credit Bureau Names TransUnion and XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, incomplete inconsistent, noncompliant, and false information about me. I have sent in letters asking for validation and verification of the debt how the debt was verified and validate what supporting documentation was supplied to validate and verify the debt who verified and validate the debt and nothing was supplied by Transunion or XXXX WHICH VIOLATES 15 USC 1681 FCRA REQUIREMENTS. The following alleged account is listed as a collection with a PAST DUE BALANCE of XXXX balance owe XXXX as if XX/XX/XXXX with XXXX and Transunion past balance XXXX with a balance of XXXX Conns Appliances, ALLEGEDLY OPENED XX/XX/XXXX. This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair consistent, complete and accurate credit report, and you are required to remove any information that is not true, accurate, consistent complete compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. I await your reply as I have already waited 30 days and you have Failed to complete an proper investigation on this account and the laws it violated.There is also false inaccurate, incomplete and Inconsistent payment history balances past due balances both account which is also in violation of 15 usc 1681 and Metro 2 compliance regulations have been updated by creditor XX/XX/XXXX please see supporting documentations
Product: Checking or savings account

I deposited a legitimate check to my checking account at Chase bank on XX/XX/24 for a semi-large amount that I received from social security XXXX benefits. The bank closed my account for suspected identity theft. Then when my identity was discovered that i was a real person, the bank withheld the funds because the bank needs to verify the amount with the treasury department. Its extremely difficult to get a hold of someone in the treasury department so Im not sure how thats going to work. I sent the award letter i received from social security for the awarded funds to the bank and they continue to withhold my funds. They will not release the funds to me until they speak to someone in the Treasury Department.
Product: Credit reporting

Debt older than XXXX years Proof of original collection data Please remove collection from all credit reporting agencies
Product: Student loan

Each XXXX/Navient representative I 've dealt with had always highlighted some " error '' that the previous representative made, while I 'm the one who bares the hardships of their actions. From incorrect interest assessment, conflicting due dates, lumping accounts together but having one separate for whatever reason, assessing my income and expenditure and deciding that I can pay much more than my most reasonable suggested amount. I 'm committed to repaying all my loans but not under the duress they 've have me under for the past year.
Product: Credit card or prepaid card

XX/XX/XXXX -- - captured screen shot applied amex spg credit card for XXXX bonus points offer and instant approved ( earn XXXX bonus starpoints after use my new card to make {$3000.00} in purchases within 3 months and an extra XXXX bonus starpoints after make an additional {$2000.00} in purchases within the first 6 months ) XX/XX/XXXX -- - captures screen shot confirmed my XXXX bonus points offer XX/XX/XXXX I already paid over {$5000.00} but i did n't get any points.
so i contact chat and call many times.
- XXXX : chat ( XX/XX/XXXX ) tells " points will post to my account '' - XXXX : chat ( XX/XX/XXXX ) investigation case number XXXX - XXXX ( ID XXXX ) : call ( XX/XX/XXXX ) tells " do n't worry, points will post to my account on XX/XX/XXXX '' now i really can not understand this issue.
because, spg XXXX reward bonus point offer goes all year round.
so i have to receive at least XXXXpoints!
but i did n't get any points. ( XXXX point )
Product: Credit card or prepaid card

I was doing a transaction on an individual who was going to provide me services to get my taxes done. However, he flaked out when it was time to get it done. He lied about it being refunded saying XXXX will take care of it but XXXX never did. So Im short XXXX dollars from this situation. I contacted XXXX and made a dispute and it was both denied. I been with both for many years. It all started on XX/XX/XXXX. I spoke with the lady at Bank of America on XX/XX/XXXX and she did nothing to handle my dispute
Product: Payday loan, title loan, personal loan, or advance loan

I was having to travel back and forth to XXXX  from XXXX XXXX to help take care of my father and hi XXXX  XXXX. And my mother in law had XXXX XXXX XXXX and my wife was out of work for three months which only left one income. So I got behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive mailed letters to XXXX, Equifax, & XXXX in regards to inquiry removal. While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries that I did not authorize nor did I sign an authorization by those companies.
Product: Debt collection

I owed Citibank 2 loans and was making 2 separate payments through my bank only to find out that one of the loans was discharged back in 2011. 

I asked Citibank to email or mail me a list of every payment that they have received from me. They were not able to do so. 

I then requested that the debt collection company XXXX XXXX XXXX send me a list of every payment that I have paid to them since 2011. 

Payments from my bank are missing and I have no idea where this money went. However I have proof that I paid because I used bill pay through my bank which kept track of every payment that I have ever made to Citibank. 

I emailed the president of Citibank and contacted all of these different people at Citibank and no response, no name, number nothing. I then thought I resolved this and made an online payment to pay XXXX XXXX XXXX and they refunded me my money saying my account is on a hold because I requested verification. I saved the receipt and all emails to Citibank. 

I need help, who do I make payments to, to help pay down this loan? 
Where is the missing money? 
What do I do?