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

My Experian credit report is showing 2 separate collections accounts for the same thing. I have a past due account with XXXX/XXXX and they sold the debt to a third party collections agency, XXXX XXXX XXXX XXXX. However both are reporting the same thing on my report and it looks like I owe 2 separate debts which would double what I actually owe. I believe this is called double jeopardy. Please have one item removed and the company that actually owns the debt can remain and report it until it is taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card on file with XXXX XXXX  that is eappearing my credit report through Experian. The account was closed I believe in XXXX or XXXX. It should no longer be on file yet it says that it will be until XXXX. That account was paid in full and should not be on my account.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2022 I transferred XXXX USD from my HSBC US checking account to my nieces account in my home country XXXX via a wire transfer. While i put all the account details correctly, i typed the wrong bank name which resulted in the transfer not making it through. 
After 2 weeks i called my bank and we corrected the transaction details but the transfer never made it through neither was it returned to my account. Its been almost 2 months now, i have called the bank several times, they promise they will follow up with the transaction team and call me back but they never do. I want the money to return back to my account but HSBC hold the money for no reason.
Product: Money transfer, virtual currency, or money service

i am setting up a payment system with XXXX and PNC and when i log into the account it says cfpb is not allowing me to continue.
Product: Money transfer, virtual currency, or money service

Oportun recently announced they are closing and liquidating their investment accounts. On XX/XX/XXXX, my account was forcibly liquidated and a withdrawal of {$10000.00} was initiated. After about a week I reached out via email to ask how much longer it will be until the funds are deposited into my bank account. They said it takes 3-5 business days. It is now 7 business days and the withdrawal is still showing as " pending '' and customer service has been unable to tell me when exactly I will receive my funds.
Product: Debt collection

as of XX/XX/2020 i owed resource recovery as they claim i have disputed it from day one they would not provide me with the documentation i requested, my debt as they claim on XX/XX/2020 was {$810.00}, which was a lot higher than what Resource Recorvery bought the debt for, i have paid {$1000.00} to date and they still have a wage garnishment on me for over {$1200.00} which they refuse to correct this with the courts, my employer has to take that amount out of me in till that amount has been satisficed, so that means i will be paying more than double illegal i believe, and still dispute the amount they claim i owe. i never received any paper work for me to go to court to answer there claim illegal again. they tell me to call them i will not call them they tell me the same lie every time or won't tell me anything at all, how can Resource Recovery LLC, XXXX XXXX XXXX, XXXX, ny XXXX, charge me more than double of a dispute debt legally, they purposely did not send a copy of the court paper work to me so i had no chance to dispute in front of a judge, seeing it was several i had lost my chance dispute this and have it vacated now they got a default judgment, in till after said court date illegal i do believe, all i want is a fair chance i do not owe this amount and can a collection agency charge me interest on a medical debt let alone charge me 150 % interest. Resource Recovery knowingly and illegally did not provide with proper paper work in a fair and timely legal manner.
Product: Payday loan, title loan, or personal loan

Around XX/XX/2018 I had a death in the family and asked help about a payment, they said they could restructure and asked for documentation and pay stubs. I also informed them I would be paying off the loan in the next 30 days or shorter and asked the freeze of due to circumstances. They referred me to a local Office where I emailed everything but they refused to reply in email, I found that interesting as I was sending sensitive information via email But they refused to reply by email. Later that month with an exchange of emails, ( one sided ) phone calls and more I Made the payments I could and notified them of intent to pay off, I asked the amount of which they said it changes daily?? I sent a certified payment that they accepted and lost for 5 days in their location. Later looking up the account I find they owe me money of which they refused to pay and they marked it derogatory. 
I want the derogatory remarks removed and they can refund the money shown on the final closing. I have a picture to send
Product: Mortgage

I have assumed this mortgage that my grandparents originally opened back in XXXX I believe and here we are in XXXX with the same mortgage the keep adding fees to make my payments higher saying they paid this and that but I have the receipt they didn't pay or taking out of my escrow monthly for hazard insurance plus they get it with my monthly payments so I called them and told them my concerns and told them I would be reaching out to a attorney and of course they changed their attitude and said oh I caj lower your payments your escrow shortage has been paid down a lot mean while i haven't been able to make a payment because they went up from XXXX to XXXX now they said they are able to lower it to XXXX I also looked over my grandparents statements their principal balance stated it was the same amount for 5 years if someone could please point me in the right direction I would greatly appreciate it
Product: Credit reporting or other personal consumer reports

am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXX XXXX XXXX REGIONAL ACCEPTANCE XXXX XXXX XXXX XXXX. I believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX 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: Money transfer, virtual currency, or money service

XX/XX/2023 {$250.00} XX/XX/2023 {$450.00} Called to report that I was scammed out of {$700.00} for tickets that were promised to be sold to me, they started a dispute but said it was not guaranteed a credit or my money back due to it being an approved payment from me to purchase goodies. I have yet to receive credit or any information on whats going on with my money.
Product: Debt collection

this debt was paid in full as of XX/XX/2016 thru payroll garnishment as of XX/XX/2016 the garnishment started back up I called to collection agency and the rep was so rude and condisending I ask her how much do I owe she told me XXXX I offered to pay that on the spot to clear this up she then stated she does n't know if that will stop the garnishment because intrest is being added to the account ... this is fraud I was court ordered to pay a set amount but every time I call its a different amount and never can get a straight honest honest about my account
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report Capitol One account Number XXXX shows that the credit card account was charged off for the first time in XX/XX/XXXX. I noticed these charge off have went on for nearly two years now, negatively impacting my credit score each month up until this current month XX/XX/XXXX. This is illegal! FCRA law section 623 says an account can be reported delinquent on the months THAT IT IS LATE but once an account is closed it CAN ONLY REFLECT charge off up until the closing date. Anything after that is not supposed to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally got to look at my XXXX credit report and found out that I have so many hard inquiries that i knew absolutely nothing about. I called the companies and they told me to report it with XXXX so i called XXXX and they said to call the companies and no one would do anything about it. I am opening a complain here as my last option. Below are the inquiries. 
XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX  Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX Open XXXX To Be Closed XXXX Toyota Motor Credit Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Be Closed XXXX XXXX XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX   XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX XXXX Open XXXX To Be Closed XXXX XXXX XXXX Open XXXX To Be Closed XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint and dispute regarding inaccurate information on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Transunion regarding the following incorrect information on my credit report, and to this date, they have not responded. I kindly request your assistance in addressing these discrepancies. 

( Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$330.00} ), Account Name : DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} ), ( Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1300.00} ), ( Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$14000.00} ), ( Account Name : DEPTEDXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1700.00} ) The above accounts do not belong to me. I request that you remove these accounts from my credit report. 


Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$770.00} The information regarding this account is inaccurate. It is incorrect to state that the account was ever late. I request that you correct/update this information on my credit report accordingly. 


Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} I dispute the accuracy of the reported balance for this account. Your agency listed this account as closed, and therefore, the past due amount should not be provided. I believe the reported balance is higher than it should be. I request that you investigate this matter and rectify any misleading data. I intend to contact the creditor directly to resolve this issue, but I require your agency to report the account as disputed during this process. 


Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} The information provided for this account requires investigation. I have not been contacted by XXXX XXXX XXXX, the agency responsible for reporting this account. Additionally, the reported balance of {$140.00} is inflated and inaccurate. I dispute the entire account based on these inaccuracies. I insist that you verify the dates of opening and the date of first delinquency for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply or give permission to any creditor on my report to run my credit the miss use of my information compromise and I provide these inquiries was done with my consent and I would like to have this matter resolved with Transunion this with be my second time complaining regard this matter the first complainant was in XXXX of XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX XXXX XXXX XXXX XXXX XXXXI Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep frustration and disappointment with the second attempt made to remove fraudulent items from my account. 

Despite providing all necessary documentation and details to support my claim, the resolution process has been slow and ineffective. The fraudulent charges remain on my account, causing me undue stress and financial strain. 

I expected a more efficient and proactive response from your company in addressing this matter. The repeated failure to promptly remove the fraudulent items from my account has not only compromised my financial security but has also caused unnecessary frustration and inconvenience. 

I urge you to take immediate action to rectify this situation. I request that you expedite the process of removing the fraudulent items from my account without further delay. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the inconvenience and distress caused by this oversight. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution promptly. With this, I am asking for your assistance to remove these fraud items in my credit file:XXXX XXXX  XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX
Product: Mortgage

Called Discover Home Loans about making online payment on XX/XX/2023. Payment was due on XX/XX/2023. Was never informed that automatic payment was set up. I made a payment of {$600.00} on XX/XX/XXXX, they took automatic payment of {$570.00} from my checking account on XX/XX/XXXX. I called on XX/XX/XXXX and was given the option to request a refund of the {$600.00} payment. Was told I would receive a check by mail in 7-10 business days. As of yesterday I had not received the refund. I called and told they would open a new request and another 7-10 days, and they could accelerate it and refund electronically by XX/XX/XXXX. I was also told to expect a phone call from someone within 2-4 hours. I never received a phone call. I called again today 3 times trying to resolve the issue. Since I was never informed of the automatic payment being done, they failed to be honest about the terms of the loan. I would not have made the payment on XX/XX/XXXX if I had known the payment would be drafted the very next day. I was lucky enough that my checking account was not overdrawn.
Product: Credit card

I called this morning and asked why I wasn't able to access my funds yet my account is still getting billed and the agent told me my account was closed and I asked could I see it in writing and they did not.
Product: Debt collection

Asked for verification of debt, received paperwork that does not constitute verification that the debt is mine ( ie just a print out with my name & PO Box on it, nothing to substantiate the debt belongs to me )
Product: Checking or savings account

I am the XXXX  of my late mothers estate and I have been working with the Bank of America estate department to close her savings account and get the proceeds so I can distribute them to the heirs. 

I hired an estate attorney to advise me with the paperwork and mailed it first class certified to the Bank of America Estate Department on XX/XX/2023. The postal service confirmed that the Bank of America received my paperwork on XX/XX/XXXX. 

On XX/XX/2023, I visited a branch of the Bank of America to get help with the lack of a response. The staff person at the branch called the estate department in my presence and was told that they had a response in there files marked do not send. The branch person instructed them to send the correspondence to her digitally and gave it to me. The correspondence from the estate department acknowledged my letter and requested the forms that they had received with the letter on XX/XX/XXXX. 

I resubmitted the forms the estate department requested, taking them to a branch and having the staff there transmit them to the estate department on XX/XX/2023. 

On XX/XX/XXXX I telephoned the estate department to verify that they were processing the matter. They verified that they had the forms and would mail a check. 

On XX/XX/XXXX I telephone the estate department to verify that they had sent the check. They confirmed that they had mailed it and confirmed the address. They asked me to contact them if the check didnt arrive in a few days. 

On XX/XX/XXXX I visited a branch of the Bank of America and worked with staff to research why I had not received the check. The estate department told the branch person that they had not sent the check and would send it via XXXX or XXXX to arrive by XX/XX/XXXX. 

On XX/XX/XXXX I telephoned the estate department to see what happened to the check. The staff at the estate department said they had not sent the check and would send it to arrive in twelve days.

I should note that each time I worked with Bank of America staff on this they confirmed my name and address. 

I have arrived at the conclusion that the Bank of America has no intention of sending the check and I would like to file a complaint against them and request that you compel them to issue and send the check.
Product: Credit card or prepaid card

My XXXX boys received NetSpend XXXX debit cards for XXXX last year ( XXXX ). Each was loaded with {$50.00}. The cards were not activated until XXXX XXXX, at which time we notified NetSpend that we would NOT be reloading the cards and simply wanted to activate them as " one time use '' cards. A PIN was established for each card and we were charged an " activation fee '' of $ XXXX/card, reducing their value to {$44.00} each. 

Over the next few months, we attempted to use them at a wide variety of stores without a single successful use. We eventually just gave the boys cash instead. 

Today, we called NetSpend to see if we could finally get resolution. Instead, we discovered that NetSpend has been charging a monthly fee of {$5.00} since activation and the card values have been fully depleted. So for {$100.00} sent to NetSpend, we received {$0.00} value and 100 % frustration. We were never informed that there would be monthly fees deducted from the accounts and were unable to find a single business whose credit/debit system would accept these cards. 

This is the very definition of a scam. I assume that most people put $ 20-50 on the cards to use as gifts and recipients simply give up on use and throw them away, leaving NetSpend with all of the money. 

Contact information is www.netspend.com, phone XXXX. Cards are issued by XXXX XXXX XXXX, phone ( XXXX ) XXXX. XXXX is headquartered at XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Their email is XXXXXXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian because they reported me 30 days late on XXXX account XXXX .... in XX/XX/XXXX. They did not respond initially and I just received a response. They corrected the information, but now my XX/XX/XXXX and XX/XX/XXXX are showing 30 days late. It has never been late, none of my previous reports showed 30 days late. I provided my payment history. For 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, i paid additional payments to pay my account 1-2 months in advance in hopes of paying the debt off sooner. But instead of being rewarding for making additional payments, my information was reported incorrectly and it is not showing incorrect on any bureau but experian