23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On Wed, XX/XX/XXXX, I applied online for Upgrade 's XXXX and Rewards Checking account. My application ( which DID NOT ask for my social security number for some reason ) was denied. One of the reasons was " delinquent payment of an installment. '' I DO NOT HAVE any installment plans, loans, etc. 

I called Upgrade to get the phone number of XXXX who supposedly provided my credit report. XXXX confirmed that there are NO DELINQUENCIES of any kind on my credit file. They also confirmed that there was no inquiry from Upgrade on the date in question nor did I receive an email from XXXX confirming the inquiry as is the norm. Additionally, I've had longstanding fraud alerts with all 3 credit reporting agencies and no one called me to verify if I had applied for Upgrade 's credit line XXXX. Furthermore, my XXXX  score is over 800 and I make $ XXXX. There is no reason my application should have been rejected. 

The only conclusion to be drawn from this is that Upgrade received a credit report from another individual, not mine. 

I spoke with Upgrade 's reps who were sympathetic and understanding and also admitted that they have heard of similar problems from other applicants. But there was nothing they could do except tell me to apply again. That is a waste of time. 

I want an empowered Upgrade employee to call me who will obtain a proper credit report and figure out a way to open the XXXX and Rewards Checking with {$200.00} cash bonus.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiry that I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature., I formally request that these fraudulent inquiry be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX Inquiry Date XX/XX/year>.
Product: Credit reporting

In  XXXX    XXXX  , I filed for Ch.  XXXX  bankruptcy in the USBC NDG. In  XXXX    XXXX  , I received a Discharge ( see attached ). After a ten-year period,   XXXX   and   XXXX   removed any mention of debts which w ere discharged ; howev er, Equifax has continued to reinsert my mortgage as a new debt. I have disputed this account for the past 2 years with no success. Also, each time Equifax removes the account, it is reinserted a month later. This has caused my credit score to go down by  XXXX  points. I have reached out to  XXXX  as well. They have refused to acknowledge that the mortgag e was discharged and s hould be be reported to any of the CRAs. They are in direct violation of the FCRA.   Although I still reside in the house, there should be no reporting of payment/non-payment on the mortgage.   It is my hope that your agency can assist in getting this cleared up and my credit score restored to its previous number of  XXXX .   Thank you in advance.     -- -- --  XXXX   XXXX   XXXX   XXXX  --  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my full credit report from Experian, I noticed several inaccurate and confusing information regarding my XXXX  XXXX XXXX account. The payment status is incorrect ; it states I was late 90 days two months in a row, XX/XX/XXXX and XX/XX/XXXX. The dates of payment and the amount of payment reported are incorrect, and the payments are out of order, making it difficult to determine the actual status of the account. This makes the following months ' payment activity invalid, as they had no data until XX/XX/XXXX, when it was placed for collection. However, it was already paid. I disputed this with Experian and am not satisfied with the results, as this is not factual.
Product: Student loan

Department of education/Nelnet have shown me as being 120days late, a second month of being 120days late then the third month as being 150 days late. The problem is all in front and behind these XXXX months there are nothing but green checks. So the math of XXXX months 120 days late and the third at 150 days late does not add up.
Product: Credit reporting or other personal consumer reports

I noticed sudden drop in XXXX ( was XXXX now XXXX and lower ) Checked with Experian and saw 2 NEW Hard credit hits in XX/XX/XXXX. First from XXXX and another from XXXX XXXX XX/XX/XXXX ( I opened account on XX/XX/XXXX that XXXX is real ). I opened dispute and put XXXX XXXX on account. They advised me to contact both cards. I got email XXXX was removed later the same day but NOT XXXX XXXX. I called XXXX and they said the application had been stopped yet I got a request for more information and proof of ID XXXX XXXX, thus confirming my credentials were used and since reported were asking for DL proof etc from me. I called them they stated they had sent XXXX Report to Experian and did not know why they did not remove. Paper work from Experian in mail showed XXXX emoved but not XXXX. I called Experian and asked them to start a new disput agiain about XX/XX/XXXX hit. They did so and asked me to contact you guys via XXXX which brings me here. Neither of the 2 were made by me! Further 2 weeks ago I found a FRAUD checkeg account XXXX Credit card attached to my XXXX XXXX and filed a Fraud report with them. XXXX removed the account and said it was a different address than mine. They resolved it. So I am certain I have had ID theft occur or in process. Here any funds I put into XXXX account could have been redirected into the unknonw XXXXXXXX XXXX card attached to my account by thief!
Product: Credit reporting

This account has been pif, the entire {$720.00} amount and the acct closed and per our agreement with XXXX bank it was to be deleted from my credit reports entirely. XXXX bank XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 ; XXXX XXXX
Product: Checking or savings account

I have some weird harassing legal office calling me about some client with TD bank that states someone fraudulently opened an account in my name in XXXX in New Jersey and there is some fee or loan that needs to be paid off and/or have someone appear in court to dispute this fraudulent account. The person who calls is by the name XXXX XXXX and the legal office is called XXXX, they stated they were unable to give me the name of the client however it has something to do with the fraudulent account opened in my name at a location in XXXX near XXXX XXXX in New Jersey. The number for XXXX XXXX at the legal office XXXX is XXXX XXXX XXXX XXXX XXXX. <P/>I have never in my life lived in XXXX nor have I ever lived in XXXX XXXX. I also have no idea where those places are located as I have never even been there before. I am a resident of New York, Specifically XXXX, NY and I have resided here ( been living here ) for over 15 years. I never have banked with TD bank and I have never had an account nor have I ever opened an account with TD bank.
Product: Debt collection

I noticed a change of Credit reporting back in XX/XX/XXXX where there was a collection fee and affected my credit substantially. 

In an effort to lower my debt and be current with all debtors i contacted XXXX XXXX XXXX XXXX about a debt they reported in my Credit report. 

I filed all documents and sent them by email faxed, explaining this charge was not made by me since i do not have this card anymore since XXXX or earlier. 

And that on that date, i was not in The USA, i was overseas doing some work. 

So i ask them to verify where the merchant sent this order and verify it was not in XXXX XXXX. 

i received a document from capital one, card, stating than i have a purchase made on XXXX, XXXX, XXXX for {$120.00} to a web page XXXX for a charge of XXXX GBP in XXXX Pounds, Clearly not local, so is a charge of ID Theft. moreover from an account number which was not in use for more than 5 years, so how come the credit card Agency does not close an account where no card has been registered in more than 6 months. 

I ask to take this charge write off my credit report, since i will not pay for any expenses, since i did not make this purchase, but is clearly affecting my credit report, So hard trying to keep it clean as it was before the Divorce. 

Please i request your assistance removing this from my credit reports.
Product: Credit reporting or other personal consumer reports

i have already disputed these items with the bureaus but they did not remove them nor prove validation. 

under sec. 602 i have a right to privacy XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXXXXXX account # XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One reported me for a late payment of {$7.00}. I somehow miscalculated my monthly payment. I had sent {$260.00}. Apparently it should have been {$260.00}. I read somewhere a while back that as long as 95 % (? ) of a monthly minimum due is paid, the company can not report as late. I can not find the law for this to send to them. Can you please help me straighten this out? Thanks. 

PS last four digits of my SS # is XXXX. It wasn't letting me enter on the personal information page
Product: Debt collection

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding an unauthorized collection account that has been placed on my credit report without my written consent, which is in violation of the provisions outlined in 15 USC 1692e of the Fair Debt Collection Practices Act.

I discovered that a collection account, was placed on my credit report.

Upon further investigation, I learned that this collection account was placed by LVNV without my written consent, which is a clear violation of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692e.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the unauthorized collection account is promptly removed from my credit report. Additionally, I seek the full protection and remedies afforded to me under the Fair Debt Collection Practices Act. 

I appreciate your attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me if any further information is required. 

Sincerely,
Product: Credit card or prepaid card

Used the Discover App to pay my Discover Card bill ( {$140.00} XX/XX/22 ) Payment accepted Payment subsequently rejected, per customer service " you may have mistyped the account number '' Charged {$30.00}. Customer service and supervisor refused to refund Closed account and paid off balance. 

If the payment was rejected for insufficient funds, a fee is understood and acceptable. In this case, there assumption is that I mistyped the account code into the app. The code came back " account not found ''. Discover could not determine what went wrong with processing the payment and could not demonstrate that this was my error. However, even if so, mistyping an account code into the Discover app is very different from 'bouncing ' a check. 

I was not notified in a timely fashion Discover reps said " they are unable to confirm '' at the time of processing. " Sorry '' There was no warning that using the app exposes the user to a risk of a {$30.00} charge if the payment fails to process for any reason. 
Had I used my bank 's system instead, this would not have occurred -- the app is a trap. 

Bottom line : using the Discover app to pay the bill should not expose the customer to the taking of money if the payment fails to process.
Product: Credit reporting or other personal consumer reports

EQUIFAX, XXXX AND XXXX HAVE BEEN R

EPORTING INACCURACIES AND OBSOLETE INFORMATION ON MY CREDIT REPORT. 15 U.S. Code 1681a ( 2 ) ( a ) 1 EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the ( consumer ) = ( ME ) and the (
person ) = ( CORPORATION ) = XXXX XXXX XXXX XXXX, XXXX XXXX, making the report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NATIONWIDE RECOVERY DOES NOT HAVE LICENSES TO OPERATE IN ARIZONA WERE I RESIDE.   THEREFORE THEIR COMMUNICATION TACTICS AND ATTEMPT TO COLLECT AN UNVERIFIED DEBT IS AGAINST THE LAW.   REMOVE DEBT / COLLECTION IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found the following item listed below to be an error. 

XXXX XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a 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 21days before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR XXXX XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and XXXX  due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Money transfer, virtual currency, or money service

Re : CFPB % XXXX I did send that information almost 3 weeks ago. I still dont get my money Because of that I have to come back to USA Because of that I lost my business Almost 2000 dollars expenses because of delayed Sent from my XXXX
Product: Checking or savings account

On-Line bank MARCUS, division of Goldman Sachs XXXX Deposited {$30000.00} to try a new online bank. Took 7 days for them to make my funds available. On XX/XX/2023 I wanted to close the account and return the funds to my original bank. Next day, XX/XX/2023 they locked me out of my account! Could not log in and got message " Your account is Locked ''. Called XXXX on XX/XX/XXXX - on hold 30 minutes. Rep told me they stopped the transfer and now have to reverse the reversal, whatever that means. I'm still locked out of my account and they have my {$30000.00}. No brick and mortar to go to for help. They are saying possibly 5 working working days to reverse, then another 5 working days to reverse again. What they are saying makes no sense. 

1. When a bank transfers money it is ACH - once they hit the " send '' button it is out of their account and usually within 2 days funds are received by the receiving bank. 

2. They are are in possession and liable for my money while it is in their bank. I can't wait for 2 weeks, the call the toll free number again and try to explain everything. 

3. I'm out of $ XXXX unless you can intervene. Two weeks ago, the XXXX XXXX XXXX did a write up on XXXX and most people were having the same issue, accessing their funds. I need for the Consumer Finance Dept to contact them, as this is happening on a wide scale. It appears they are holding vast deposits with many customers and benefiting my drawing on interest while telling customers the funds are " in transit '' 4. Finally, if you go to their web site, it clearly states " One day transfer for funds under $ XXXX '' - this is misrepresentation and they need to be penalized for this falsehood.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report a late payment on the account XXXX XXXX Account # : XXXX. The consumer agencies has provided me with no evidence that proves that I was indeed late XX/XX/2023. Provide me with the evidence that proves this or update my consumer report to reflect accurate information. 
( 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 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Money transfer, virtual currency, or money service

I wired {$20000.00} from my Chase account to below detailed recipient but their account has not been withdrawn. The request for the refund has been rejected by their bank. I need legal help. Wire transfer information Date : XX/XX/2023 Account Name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, NY XXXX Recipient Account information Account Name : XXXX XXXX XXXX XXXX Account Number # XXXX XXXX Bank XXXX Bank XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX XXXX Bank XXXX XXXX : XXXX I was told by Chase that XXXX need to report via Chase apps XXXX secure message '' and wait for the response. That was early last month and no response at all since then.
Product: Payday loan, title loan, or personal loan

PAID {$49.00} REMAINING {$33.00} Payment schedule Paid : XX/XX/XXXX XXXX  - XXXX - {$15.00} Processed : XX/XX/XXXX Loan terms Paid : XX/XX/XXXX XXXX  - XXXX - {$11.00} Paid : XX/XX/XXXX XXXX  - XXXX - {$11.00} Paid : XX/XX/XXXX XXXX  - XXXX - {$11.00} AutoPay : XX/XX/XXXX {$11.00} AutoPay : XX/XX/XXXX {$11.00} AutoPay : XX/XX/XXXX {$11.00} PURCHASE TOTAL {$77.00} DOWN PAYMENT {$15.00} FINANCED AMOUNT {$62.00} TOTAL INTEREST ( 29.94 % XXXX ) {$5.00} TOTAL OF PAYMENTS {$67.00} LOAN ID XXXX They are trying to tell me I am not paying XXXX in total and by their numbers yes I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported a miss payment on my payment activity for the month of XXXX claiming that I did not make any payment for the month of XXXX and the past due amount is {$250.00} and I disagree with that. Ive made that payment I even paid more than that, {$250.00} to be exact ( $ XXXX {$28.00} ). I have uploaded the receipts. I have used XXXX a company authorized by XXXX to receive payments on its behalf. The XXXX website wasnt working and I wasnt able to make online payment. I have called customer service and they have advised me to go to a moneygram or western union location to make the payment. They can retrieve that phone conversation since the call was recorded. I did exactly what she told me to do and I even called back to give the reference number that was given to me by moneygram. It is not my fault if your website wasnt working. Nevertheless, I went to a moneygram location in XXXX to make my XXXX payment. I did not miss a payment in XXXX. I have had that car loan for 6 years now and I have worked hard every single day to not miss a single payment so, do not mess with my credit!! That car loan is almost paid off I only have 1 ( one ) more payment to pay off that loan. Do not mess with my credit!! 
You reported to the credit bureau that my overall balance is {$920.00} which is not true because on your own website as of today XXXX XXXX it shows a different overall balance amount of {$330.00}. The XXXX payment with XXXX has finally been updated. Update my credit report, I did not miss a payment in XXXX.
Product: Money transfer, virtual currency, or money service

XXXX I delivered food to a customer. He asked could he tip me using cash app. I gave him my cash app name and he sent me {$310.00}. He said he meant to send me {$10.00} and asked if I could return {$300.00}. I sent him back {$300.00}. XXXX Cash app sent me a text saying they was taking {$310.00} from my XXXX  XXXX XXXX checking account. I called XXXX  XXXX XXXX and explain to them what was going on. They said Cash app send them a normal authorization as if I wanted to send the customer {$310.00}. I did not authorize them to send money to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I have reached out to the FTC and to my local police department and have been doing this on my own behalf. I went and look at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX   XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX contacted XXXX XXXX LVNV Funding LLC/XXXX and XXXX XXXX for XXXX  XXXX and XXXX XXXX XXXX, have filed disputes with all 3 credit reporting agencies about accounts paid in full and upon payment agreement was they were to update accounts from negative to positive, and LVNV funding last reporting activity was XX/XX/XXXX, and no updates world financial was included in bankruptcy filed in XXXX and discharge in XX/XX/XXXX but XXXX XXXX is still on my credit reports and the reporting agencies, I have sent all documents supporting the information and this is impacting my credit score for buying a home
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ),  XXXX XXXX XXXX, XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -XXXX XXXX ( XXXX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX   and XXXX XXXX ( XXXX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.