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

I have disputed with all three reporting companies multiple times and nothing has changed. I dont have anything negative on my credit report other than this, which is citizens bank mistake that Im getting punished for. They called me about my card not working XX/XX/XXXX and informed that I was a few weeks late. I was informed that call was being recorded. I made a payment and authorized them to take automatic payments over the phone. The customer rep explained everything to me and I asked her if it was going to come out automatically and she stated on that recorded phone call that it would. They never charged the card. Ive tried calling and talking to them but dont get any where. I have been hung up on numerous times. Now I have a late payment on my account for being lied to on a recorded conversation that they wont pull up to investigate.
Product: Prepaid card

I am unable to access my funds on my Rushcard. My balance went from {$700.00} to {$8.00} in one day and I didnt use any of the money. Now I ca n't get in contact with anyone with answers and my lights have been disconnected. Can someone please help me.
Product: Credit reporting

i have XXXX items on my credit report that has been reinserted, seen i ve pulled my reports on equifax i did n't recall seeing the XXXX collection accounts on my credit in over a year, now i pull my credit report and my account has more items added that where the same and my credit score went down XXXX points due to these items. i also was sent a copy of my updated reports and the XXXX items where not on my report
Product: Credit card or prepaid card

on Monday  XXXX   XXXX ,   XXXX   I made a  XXXX   XXXX  wire transfer payment in the amount of {$210.00} to FIA card services. That payment was never credited to my account. ( I made a pay by phone payment Wednesday  XXXX   XXXX  after my payment was due. ) When I called to ask about the payment I made through  XXXX   XXXX  on Monday, I was told by customer service that even though it was considered the " money in minutes '' transfer it could still take up to 3 days to post to my account. In turn I incurred a late fee. I talked to FIA card services  XXXX ,  XXXX ,  XXXX ,  XXXX . I was then informed that an investigation would be opened and that I would receive a letter in the mail.   In the letter that I received there is a fax number to send correspondence. I faxed all of my documentation on Weds  XXXX  with a fax confirmation. Including the sequence/ confirmation number that I was given from  XXXX   XXXX   confirming  that the payment had been received by FIA card services.   - My name is correct on the payment, my acct # is correct, and FIA card Services information is all correct on the wire transfer. There are No errors.   When I called FIA card services again on  XXXX  I was informed that the process could take up to  10  business days and to follow up after  6/9.      I called FIA card services again on  XXXX  and the representative did n't even understand what I was talking about because he could see my pay by phone payment that was made on the  XXXX . I am still trying to receive the credit for the {$210.00} that was paid through  XXXX   XXXX . I have re-faxed all of my proof of documentation several times and customer service has been basically useless.   The last advice I was given was to call the number on the letter I received. I was calling that number then! Meanwhile my credit card still is not showing this payment and I am still incurring a late fee.   I have never in my life had such an issue with any company such as this. I have also never attempted to pay  XXXX   XXXX . I am at a loss.   I ca n't get the funds back from  XXXX   XXXX  because they are confirming the funds were received by FIA card services.   I ca n't get through to FIA card services because no one knows what the heck is going on.   Let me be clear that this issue is NOT regarding a pay by phone payment. It is regarding a wire transfer payment that has NOT been credited to my account since  XXXX / XXXX /  XXXX  .   Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance {$3900.00} ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX
Product: Credit card or prepaid card

1. Had made previous dispute regarding the company charging late fees on payments that are within the months time but apparently are n't within billing cycle.
2. Company had waived late fee and just notified had to make payment after the XXXX or XXXX of the month. I went to make a payment today on the XXXX. Then found a {$41.00} late fee charge.
3. Called customer service regarding this new late fee charge. Customer service representative described previous incident regarding payment. I am informed the representative that I had a letter from the company removing late charge. Also, stating to make payment after XXXX or XXXX.
4. I also stated that this charge was posted on my account on XX/XX/XXXX ( Screenshot ) representative then put me on hold to contact other department. Representative came back online and stated they will waive {$25.00} fee off the account ( which was previous late fee amount ). I told representative that will not suit me and I wanted no late fee charges as per company 's letter and I just wanted to make my payment. This had to be reiterated many times until representative stated {$41.00} late fee amount would be removed within 48 -72 hours. I stated that if this would be reflected online so I can review. I did not make a payment today so I can check after amount time after the representative told me it will be removed.
Product: Debt collection

I was notified through my VA loan officer that XXXX placed a collection on my credit through CCS, I called XXXX and they stated that it was an error and my account was paid prior to the collection date and it should have been corrected and that they would send me the documentation and I could send it to the Credit collection company which I did. The company told me that they would not remove the collection and that it would show as a closed account I sent over proof my account was not closed and open and it was paid in full also that the DATES were inaccurate and that it would need to be corrected, the gentlemen told me he would not do nothing and said I could pay the amount, which was already paid directly to XXXX to keep the POLICY open and that I would not pay a double cost to a payment already made, which the gentlemen told me then it would stay on my credit report and good luck.
Product: Debt collection

At the beginning of XX/XX/XXXX, my husband and I started the home buying process. We quickly were stopped in our tracks because of a collection account that was on my credit report. This account was from NCC Business services and this was the first time I had been made aware of this account. The apartment complex is XXXX XXXX XXXX in XXXX, NC. I paid XXXX XXXX Apartments when I moved out XX/XX/XXXX. When I turned in my keys, no one at the apartment complex informed me of any monies owed. I never received a letter, email or phone call from XXXX XXXX XXXX. I reached out to NCC Business services on several occasions. On XX/XX/XXXX, I sent out a letter requesting them to validate the debt ; they replied and sent back random pages of my lease agreement, which did not prove or validate the debt. I sent another letter on XX/XX/XXXX to once again validate the debt. The replied and sent back a ledger from the apartment complex that had numerous fraudulent charges including, but not limited to " pet damage ''. I just mention that specific one as I did not own a pet at that residence and the apartment complex verified that. I called the apartment complex, XXXX XXXX XXXX XX/XX/XXXX and spoke with the lease manager at which time she could not verify that I owed these monies and told me it was " out of her hands now that it was sold to the collection agency. '' I informed her that I never received this ledger or notification that I owed them money. Her reply was that they did n't have a forwarding address, so they could n't send it to me, although I noted to her that they did have my email address and phone number, to which she agreed. They did agree to take off the " pet damage '' charge, which they did, but would not take off the other charges. I would like to dispute this charge as it is keeping me from buying a home and it is fraudulent. I also asked NCC Business Services that if I paid it in full ( hypothetically ), would it be deleted off of my credit report. NCC replied and stated that it would not be deleted, just noted that it was " paid in full. '' This is not helpful, as the collection will still be visible to lenders and will still keep me from purchasing a home. This should not be the case. If they can not prove that I owe them, especially since they did not do a walk through on the day I moved out, this should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing fraudulent accounts from Barclays Bank Deleware attatched to addresses I have never lived at.
Product: Credit reporting or other personal consumer reports

Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have these accounts reporting on my EXPERIAN XXXX XXXX CONSUMER REPORT.
Product: Checking or savings account

On XX/XX/XXXX, I submitted a dispute with Robinhood regarding 12 fraudulent charges that appeared on my account. As of XX/XX/XXXX, Robinhood has only provided provisional credit for three of the 12 charges. This delay exceeds the legal requirement of providing provisional credit for disputed charges within 10 business days, as stated under the Electronic Fund Transfer Act ( EFTA ) Regulation E. 

To date, nine charges remain unresolved, and I have not received either provisional or final credit for these charges. I have followed up with Robinhood multiple times to inquire about the status of these disputes, but the response has been insufficient. 

The delay in handling this matter has caused unnecessary financial stress and frustration. I am requesting the CFPB 's assistance in ensuring that Robinhood complies with the regulatory timeline and resolves this matter promptly by issuing provisional credit for the remaining charges and investigating the disputes fully.
Product: Debt collection

This collection was already removed prior back in XXXX, it got replaced back on my credit report in XXXX. I have already told them this debt is not mine, they were not able to confirm my account using social security number, I have never had a phone plan in my life especially not with XXXX & that is public record. This is hindering me from buying a home & this is not my debt. They sent me a letter stating this debt does not belong to me but it has not been removed yet. 

Account : XXXX XXXX Acct # XXXX Reference # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I have been paying for credit protection since I first Obtained the Destiny Mastercard. 
In XXXX I was going thru a difficult time health wise. Was scheduled for multiple surgeries that resulted in me not doing well. During this time I had XXXX XXXX XXXX. 

Although the company credited the late fees I have been going back and forth with them because they are refusing to honor the credit protection for XXXX XXXX XXXX and XXXX this has resulted in negative credit reporting that is inaccurate and should be removed. 

They keep saying they can not update a credit report. This is not true I had credit protection and the lates needs to be removed
Product: Vehicle loan or lease

Capital One Car Loan opened XXXX account XXXX I have filled several disputes with all three credit reporting agencies and with the consumer company Capital One as well. I have also disputed directly with Capital One on several occasions over the last four years without any changes. I admittedly made exactly two late payments on this account separately one in early XXXX and one in mid XXXX both late payments were expressed thoroughly to Capital One as to why those payments were late and Capital One agreed to forgive both late payments after several conditions requested by Cap One and I have complied with all requests made by Cap One. I agreed to make a lump payment for forgiveness one occasion ( XX/XX/XXXX ), I wrote two statements giving legitimate explanations as to why those payments were late ( XXXX and XXXX ) and I also agreed to pay the car off early for late payment removal ( XX/XX/XXXX ) and Cap One did not follow through on that agreement either. I also paid off both car loans in hopes to further show them that I am a great Cap one customer especially seeing that have I never missed any payments on any other Cap one products. The late payments are not being reported accurately across all three credit bureaus XXXX reports 2 late payment, XXXX reports 3 late payments and XXXX reports 1 late payment. I would like to have this account totally removed from my credit report because of the inaccuracies and because it was paid in full in good standing and Cap One has verified inaccurate payment history information that is not consistent across all three agencies. The most recent disputes were filed in XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit report. *THIS IS A DIFFERENT CASE, SEE ATTACHMENTS. DO NOT MARK IT AS A DUPLICATE. * I tried to get it investigated via mail on XX/XX/, however, Equifax only sent me a copy of my credit report unchanged. There was nothing updated, and no new information regarding my disputes. Equifax did not open disputes as requested. I will be attaching the dispute letter that I sent on XX/XX/ originally. My license and utility bill are both in the attached document, so you have proof of address and proof of identity, as well. Thank you!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been submitted to request, in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the TransUnion credit reporting agency , block information on my consumer credit report that stems from identity theft and fraud within four business days of receiving this complaint. The fraudulent, inaccurate, and false information includes XXXX, Account Number : XXXX bal. {$17000.00}. XXXX XXXX, Account Number : XXXX bal. {$390.00}. XXXX XXXX XXXX. {$310.00} Account number XXXX. These accounts have led to numerous hard inquiries and fraudulent collections on my FICO credit report. I am providing a list of the fraudulent accounts you are maintaining that appear on my report. I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, created, or initiated by me, and all are the direct result of identity theft and fraud, violating consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605B, you are required to block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are unequivocally tied to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect 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 Please remove it from my credit report. 
According to the Fair Credit Reporting Act, I am requesting an investigation into these items and their subsequent removal from my credit report. I understand that you are required to verify the accuracy of these items with the creditor who reported them. Any information that can not be verified by the creditor should be promptly removed. It is my understanding that, as per 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receiving this letter.

Please send me an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report in the past six months of any corrections made. 
Thank you for your attention and assistance with this matter. 
SincerelyXXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I deposited XXXX checks : {$4500.00} and {$14000.00}. The checks were drawn on CFPB pursuant to a settlement agreement with XXXX XXXX US Bank gave {$220.00} availability on the deposit date and on XX/XX/XXXX, the remaining amount on the {$4500.00} check was available. No info was provided in the {$14000.00} check although it was showing in the XXXX XXXX as available. I talked with Customer Service on XX/XX/XXXX and they indicated that the funds would be available on XX/XX/XXXX. My available funds in the XXXX XXXX were updated on XX/XX/XXXX to show the {$14000.00} was not available. I called customer service again on XX/XX/XXXX and they transferred me the XXXX XXXX who indicated that there was a pledge on that deposit and the funds would be available on XX/XX/XXXX. They indicated that the pledged was placed on the funds because it was a large amount and they both not override the status that was placed on the deposit by the back office. On XX/XX/XXXX, I received a letter from US Bank indicating that a hold was placed on the deposit because the Bank believes that there is a likelihood that the funds may not be honored. This letter indicated that the funds would be on hold until XX/XX/XXXX. Since you, the CFPB is a Federal Agency and a check was deposited from the same issuer on the same day, the claim from US Bank that they have info that the check may not be honored seems a stretch under Reg CC. I am now in the position because on incorrect info from the Bank that checks/withdrawals that I relied on making from that deposit could overdraw my account.
Product: Checking or savings account

XXXX : The initial problem that started this spiral down effect in NSF and Overdraft fees to my checking began as a result of two ( 2 ) Spousal Support payroll deposits of {$110.00} each that I made through the Bank of America Mobile Banking App. 
These checks are always in same amount of {$110.00} and the maker is XXXX XXXX XXXX. I usually have deposited them once or twice a month for several years. 
However, this is absolutely the First time that Bank of America has taken such a stringent position and placed a ten ( 10 ) day hold on one of these checks and it was not released until XXXX. The only " inconsistent response '' that the bank told me is that they had a " suspicion '' that the check may be returned for Non-Sufficient Funds. This has Never happened, and 10 business days is an  exceptionally long time to place a hold on a check of {$110.00}. 
This hold caused so much chaos to my account. I was transferring money from another account. I took out a " Pay Day Loan '' to avoid the " Massive Amount of Fees '' that were still accessed and " unfairly '' deducted from my account. 
XXXX = {$35.00} NSF and XXXX = {$35.00} Overdraft. [ Only One Example ] Although my other monthly electronic check was deposited on XXXX my checking account NEVER recovered from XXXX as a result of Bank of America charged me an " excessively burdensome total of {$630.00} in " unfairly assessed fees from XXXX thru XXXX. As a result, my checking account for XX/XX/XXXXwas already in arrears of $ XXXX as of today, XXXX, I only have {$69.00}. 
It is very difficult to follow the transaction history. For instance, on XXXX my purchases were shown as pending : XXXX XXXX : {$9.00} ; XXXX XXXX : {$2.00} ; and XXXX XXXX : {$77.00}. Then the following day, XXXX these same transactions were deducted again - XXXX XXXX : {$9.00} ; XXXX XXXX : {$2.00} ; and XXXX XXXX : {$77.00}. This types of " double postings '' further overdrew my account. I wrote one check # XXXX for {$36.00} on XXXX and I was charged {$100.00} in NSF fees : XXXX = {$35.00} ; XXXX = {$35.00} and XXXX = {$35.00}. My statement ends on XXXX so the 3rd NSF fee is NOT reflected. " Electronic checks were posted paid and I was charged Overdraft fees and then these same Electronic payments to my creditors would be returned and then I would be charged NSF fees. '' This is a time when I truly feel that my small checking account was " financially manipulated and abused '' and I was " unfairly assessed '' and now I have only a Small Amount of Money = {$69.00} and it is just XX/XX/.
Product: Credit reporting or other personal consumer reports

I had a lease with the XXXX XXXX and got involved into a fraudulent activity, as a result there is a legal case at Department Of Justice and I'm officially a victim. XXXX already removed the XXXX XXXX account from report, but XXXX and Experian are not. It's illegal to report any fraudulent accounts on any credit reports. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX mentioned that this credit would be a soft check as they are not the typical credit companyythey use the income to determine the limit