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

On XX/XX/2019, I was out at dinner with my wife at XXXX XXXX and attempted to use my card to pay for the dinner. The card was declined although I had sufficient funds to cover the transaction. On XX/XX/2019, again I was out with my wife at XXXX restaurant and when I attempted to use the card to pay for the dinner the card was declined although I had sufficient funds in the account to cover the transaction. I was mortified and totally embarrassed as the waiter comes back to inform me that my card is not working. On each occasion I contacted Wells Fargo customer to explain that I am ok with account being under review for suspicious activity, however you did not give me the opportunity to resolve immediately. I informed their customer service on both occasions Wells Fargo failed to notify me via text alert, email or phone call that they have detected suspicious activity so that I could promptly respond and informed them the transaction is valid and to allow it to process. When I contacted them on XX/XX/2019, I informed them of the most recent embarrassment with my card being declined. I even informed them that their fraud detection worked perfectly earlier that morning when I returned back from a trip and had to pay {$36.00} for airport parking. Their system had detected assuming purchases were made while on my trip to XXXX the day before and wanted to ensure it was me. The cashier informed me my card was declined and I immediately received a fraud alert via text, which asked me to respond whether the transaction was valid and I responded yes immediately. I asked the cashier to run the card through again and it worked fine. However, I was not given this opportunity on neither occasion when I had take my wife out to dinner. You begin to think is the company being discriminatory. Who knows at this point because I have not received a valid explanation as to why my I was never contacted about the suspicious activity by their fraud  detection unit via text, email or phone when my card was declined at the restaurants.
Product: Mortgage

We sold our home and and requested a payoff on our mortgage from Freedom Mortgage XXXX XXXX , XXXX, IN. XXXX. When we received the payoff it had charges for accrued interest of {$1800.00}. The company was informed that our closing date is XX/XX/21. The interest charge on this loan is XXXX per day. My monthly payment is due on the XXXX of each month and we are closing on the XXXX of XXXX. The accrued interest should be under {$400.00}. XXXX. Then the company is changing me {$30.00} for each statement sent on 3 different days. The company provided a statement for three different days XXXX, XXXX and XXXX of XXXX. The amount was different on each statement and a {$30.00} charge for each statement sent. When I called Freedom Mortgage and ask about the charges I was informed the charge for for interest was for XXXX and XXXX and a few more days. The statement fee was waved and only one statement fee would be charged I have had problems with this company before when I tried to refinance my home for a cheeped interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

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
Product: Checking or savings account

On XX/XX/2022 I called Key Bank in XXXX XXXX, Oregon XXXX to report a CHECK FRAUD in my checking account. I was given NO instructions on how to proceed other than they would investigate the situation. Next day I called my local branch to inform them of the fraud check and that I had reported it. Got a call from my landlord wanting to know where my {$850.00} rent check was. Upon going online to my account I noticed that surely enough the rent check had been FORGED. Waited a month and heard nothing from the fraud depart. ( XXXX ) or bank so I called the fraud department again on XX/XX/2022 and was told the fraud case was CLOSED. Asking why, they said I had only ONE MONTH from the date of the reported check fraud to submit the paperwork that was required. I told them I was NEVER instructed from the initial call in XXXX of what PAPERWORK to submit! Was told I needed to have an affidavit that was notarized and signed by the local bank manager. Went to my local branch, filled out the paperwork, had it notarized and signed and bank mailed it to fraud depart. Still never hearing from the fraud dept. I called again oXXXX XXXX XXXX XXXX to see where the investigation was at, at this point. Was told by the fraud dept. they received the paperwork and they would RE-OPEN the case and send me a LETTER regarding their decision. Waited and waited and no word or letter from fraud dept. or bank. It's now XXXXXXXX XXXX XXXX so I called again to fraud dept. Was told the letter was sent to me about their decision, but I never received a LETTER in the mail, fraud dept would check. Okay, now it's XXXXXXXX XXXX XXXX and was told the bank manager was to call fraud. dept. to escalate the case. XXXXXXXX XXXX XXXX bank gets NO call from fraud dept. I tell my bank I finally received the so called LETTER in the mail XXXX XXXX XXXX dated XX/XX/2022! with the fraud dept. final decision stating that " the claim does not meet the requirements for credit. '' meaning it was not received in a timely manner ( 1 month after initial call on XX/XX/2022 ) so the case was closed and will remain CLOSED, end of their discussion!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted TransUnion three times about this issue. There are several inquires that I do not recognize and or authorized. I've attached a PDF summary of the inquires that need to be removed from my credit report. There are two columns one that says authorized, meaning that I did inquire and the second column that says " NO ''. That means that I did not authorize under one heading. This appears to be part of TransUnions inquiry issue.
Product: Credit reporting

If what I 'm addressing is not considered a valid " complaint '', I certainly would like for you to explain why and what actions I can take to change this reporting. Yes, I filed Chapter XXXX Bankruptcy in XXXX XXXX and was discharged in XXXX XXXX and yes, I did include my mortgage company XXXX based on my attorney 's request for documentation on ALL monies owed. He said I would be able to " keep '' my condo and I was within the law to do so. What I do n't like is my credit report is showing this account as " included in bankruptcy '', which is correct, but my account with XXXX as " closed '' which is incorrect, thus nothing is being reported pertaining to my mortgage payments. I have never been late on any mortgage payments nor have I ever missed a payment and this is not the first property I 've owned. Regardless of whether the " law '' requires it to be reported this way, it should also be required to report that " this owner continues to pay her mortgage in a timely manner '' and the mortgage company should be reporting this to them just as they would, I 'm sure, if I were a day late. This irritates me, because my report reads to me as if I am a consumer who has gotten away with paying my mortgage. Maybe by Bankruptcy Law it is true that " by law '' I no longer owe this debt, but this is an FHA backed loan and I am a somewhat intelligent XXXX year old senior, who has absolutely no intentions of " leaving her home '' nor stiffing FHA. If I would have been told by my attorney that I would lose my Condo, I would have told him " well, we can forget the bankruptcy, and the credit card companies, and those I owed medical expenses to for myself and veterinarian bills after my dog who had to have XXXX in XXXX, would just have to sue me in court, because I would not put myself out on the street. Once again I say, if that is the way the laws are written and reported where Bankruptcy is concerned, then I 'm asking you to inform me as to what I can do to get my true record reported, as it stood then and still does today, also reported on my credit report at the same intervals they were reported previously by the mortgage company. I 'm not asking that the record of Bankruptcy be removed, that 's a matter of public record, but I am asking that how I continue to pay my obligation be reported as " true '' credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am submitting this complaint and there is no third party involved. Thiese accounts are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and Transunion Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behaviour and willfully in the violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY. 
NAME : XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$660.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$550.00}XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$270.00}, CHILDSUPPORT XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/XXXX, XXXX 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 have tried to communicate with the company since it was sold XXXX of XXXX and every month until XXXX of XXXX XXXX XXXX XXXX This is just the 3rd company it has been sold to. I have told them that the payday loan place does not exist in the state of Wyoming and they do not care.
Product: Student loan

This complaint arose because I was denied PSLF credit for my XXXX XXXX military service. 
I applied for PSLF on my federal student loans, which were incurred in XX/XX/XXXX. The PSLF program took effect in XX/XX/XXXX. I served on XXXX XXXX in the military from XXXX XXXX to XXXX XXXX and received no PSLF credit for the time service. I provided my XXXX, am a XXXX veteran. I want my military service, which included XXXX, to be credited for purposes of PSLF. Instead it appears the federal student loan company is relying on technicalities to deny me PSLF credit for my military service. This is unconscionable. Please make it right. PSLF exists to encourage and give credit for public service. The program should not rely on nonsensical technicalities to deny earned benefits to those who have sacrificed themselves in service to the public and the nation. 

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

the accounts listed in the documents i provide i have disputed over and over and im giving you more information and failure to delete these items permanently will result in a lawsuit for not doing a proper investigation showing that these accounts are the result of identity theft.im uploading my identity theft affidavit which was signed and notarized at police department
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Last year, Bask bank has a promotion that if I maintain {$50000.00} in the milage savings account for over 180 days, I will receive XXXX XXXX XXXX miles. I deposited the money and emailed Bask in XXXX on when the promised XXXX miles will be credited to my XXXX account. On XX/XX/23, I received a reply from Bask stating : " Thank you for your message, We show that you will hit the XXXX day on XX/XX/23. as long as the balance does not go below the {$50000.00} balance you will earn the tier XXXX bonus, If your balance goes below you will earn the tier that the balance dropped to. '' Because of this email, I kept the {$50000.00} in my account even though I had an urgent need to use the money. 

To this day, Bask still has not deposited the promised XXXX XXXX miles to my XXXX  account. They told me that the miles were deposited to another XXXX account number which is not mine. But the fact of the matter is I replied on the promised and Bask has not provided me the promised XXXX miles. I replied on the XX/XX/23 email to keep the money in the account. 

I ask that XXXX XXXX miles be immediately deposited to my XXXX account.
Product: Checking or savings account

Hello, I have a cash app account and there was sole unauthorized transactions that were made a second time on my account. The first time around i asked them to please issue me a new card and to block any more transactions to be able to be made to the specific merchant that these unauthorized transactions were made to. A few weeks later a few more were made to the same merchant without my authorization and i dont know who is stealing my money. I promptly emailed cash app to let them know and submitted the disputes. A day later they were all denied. I again re submit the disputes and a day later again denied. No real human is going over these disputes or else they would see that they are in fact unauthorized and should have gone out since i had asked to get them blocked. The first time around the disputes were concluded in my favor of course. Now they dont want to help with these and its alot of my money that they stoled. I keep begging them to have a real person look over them but they keeo ignoring me. : ( pelase help. Following are the unauthorized transactions. 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 reporting, credit repair services, or other personal consumer reports

The account is not being reported correctly on my credit report. The account type, date opened, high credit, credit limit, date last reported, comments section, date of last activity, date of last payment, and payment history are different across all three credit bureaus. How is this possible if the bureaus are getting their information from the same sourceXXXX XXXX XXXX I have written letters to XXXX XXXX and the credit bureaus in XXXX, XXXX, XXXX, XXXX, and the beginning of XX/XX/2022 requesting the account be reported correctly on my credit report. I have not received a response from the credit bureaus, but the comments sections verifies my requests were received by the credit bureaus. The informaiton on my credit report is still wrong.
Product: Debt collection

Thank you for giving me the oportunity to solve this problem through this portal. I hope to get a fair solution. This situation is overwhelming for me now. 

I am writing to you today regarding the following account : Designated Receivable Solutions, account # XXXX, opened date reported : XX/XX/2015. 

This company is committing so many violatoins to my rights as a consumer : 1. Failing to investigate account : I sent validation request last month which wasnt responded to Designated Receivable Solutions.

2. Misreporting activity dates.

3. Inconsistently reporting accounts off bureaus- California Rosenthal Act violation.

4. Unfair business practices. 
5. Reporting incorrect opening date.

Please, I am asking you to send the attached documents to Receivable Solutions. 

I thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and I noticed the account XXXX XXXX XXXX XXXXXXXX XXXX. It is listed as a charge off. According to the IRS publication a charge off is a certificate of indebrness. A Charge off is income and you don't report income on a credit report nor did I receive a XXXX from the XXXX.
Product: Debt collection

Debt collector Midland funding has added fees and interest to the debt that makes it impossible to pay off. If this isn't illegal, it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My Equifax report shows many collection that does n't belong to me. Are result of identity theft. None of those collection accounts are linked to my Social Security number. Some of them are using my name as a stolen identity.
Product: Money transfer, virtual currency, or money service

I just got a new PayPal account XX/XX/2024 basically today and now I just got paid some money which is meant to save my life at the moment and the next thing I got was an email from PayPal saying they cant render any service to me anymore and my account is being deactivated now XXXX gon na XXXX XXXX XXXX I so much hate that app now please I need my money back please help thats basically all o have to survive right now
Product: Debt collection

I got letter from this collection agency base out of Washington XXXX and the letter date XX/XX/XXXX.I was check my credit report onXX/XX/XXXX I got alert on my email tell me new stuff be add on my credit report. This company list everything that was on this letter on my credit report before my 30 days I can valid information. I send the register letter from the postal office these item is not my and I need the debt valid. I feel the company violated my rights under the FDCPA.
Product: Credit reporting or other personal consumer reports

There are some hard inquiries on my credit report that I would like to be removed these hard enquiries do not belong to me. They are the result of identity theft
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account XXXX has violated my rights.

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.
Product: Debt collection

I have been trying to dispute this account for quite sometime. It was opened back in XXXX, that was the same year I went through identity theft. It is now XXXX so now the account is XXXX years old and should be off of my credit report. Legally, I am no longer responsible for this account. I've sent so many dispute letters for this creditor and nothing has changed. This has been such a hassle for me. I have not been able to apply for a rental because of this. I've also dealt with two different companies to assist me with removing this item but nothing ever happens. Please assist.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in XXXX days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has improperly updated an old charge off, as a new charge off on my credit report. This action dropped my credit score over 20 points, for simply paying off/lowering the debt on my credit report. The same charge off that was paid off raised my XXXX score over 20 points. Please have them fix this error. They are adversely affecting me. The account in question is XXXX XXXX. They are showing a new charge off XX/XX/21 with their update. That is inaccurate.
Product: Credit reporting or other personal consumer reports

I do not consent to authorized nor benefit from any of the following Inquiries block and removed them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a approved police report it will summarize the information on the situation under cards used fraudulently both coming from Barclays, XXXX XXXX and XXXX