23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My complaint is with Rush Card from XXXX XXXX on XX/XX/XXXX I received an email telling me about a maintenance cleaning that they were going to be doing and that it would only last for four hours the next day I thought it was fine and that I would be able to pay my bills ( pay-cellphone bill, gas in the my car, buy food for my kids, get costumes, buy personal things for my self ) but everywhere I went they told me that my card was declined. and I 'm still struggling today because of it.
Product: Checking or savings account

I contacted USAA over 40 times regarding a dispute. I asked to appeal this dispute with my credit card after speaking with XXXX. I uploaded an exhorbitant amount of documentation. The CEO office said XXXX, I never called in XXXX to dispute the transaction. I told her I will put my hand on my son 's life that I most certainly disputed it in a timely manner. USAA refused to investigate. Now, they made a barrage of XXXX excuses to appeal. I was told by XXXX in the CEO office she was reaching out to a analysts to call me. This was another blatant lie. She lied about me never calling in. She leaves a voicemail that states I did dispute it but now the time frame is out. All of it is the most extreme case of incompetent XXXX bankers I have ever done business with in my life. I filed one complaint already and this is for refusing to follow up and appeal it after making a incident report with XXXX and uploading documents all month long to their commands. If in fact the debit was out of the time just say so from the jump! No, because it wasn't, this is just another narcissistic evil XXXX move.
Product: Debt collection

Portfolio Recovery bought credit card debt from XXXX XXXX and they re-aged the account from the last date of payment which was XX/XX/XXXX and the account was closed XX/XX/XXXX. Portfolio recovery bought the debt in XX/XX/XXXX and reported negative marks to my credit every month when I do not nor have I ever had an account with them. They re-aged the account with this new date of XX/XX/XXXX. This account was charged off in XX/XX/XXXX. 
I contacted all three credit bureaus with this information on XX/XX/XXXX and they failed to remove the erroneous information from my credit file. This has crime has damaged my credit and effects my ability to obtain credit. This is a concerted and illegal effort of the part of both companies. Currently I am not a member of the class action lawsuit about these dubious practices but I will be seeking a legal remedy in the future
Product: Credit reporting, credit repair services, or other personal consumer reports

Account JPMCB Account # XXXX opened in XXXX. The company closed account without merit in XXXX. Then came after me for monetary of {$250.00} then over {$500.00}. I disputed with agency over three times and with Credit Bureaus. It was closed disputed even fraudulantly. The company never provided proof of amounts. I requested it to be resolved a settlement was offered. Then I knew I did not owe them because they had never provided summary report on account. XXXX XXXX XXXX Account # XXXX. Car was surrended on XX/XX/XXXX voluntarily with no payments due. The company sold vehicle in auction then requested {$7000.00} then over {$8000.00}. I was offered a settlement. The car had been sold repo and there trying to get a double pay. The vehicle has claim form for XXXX class action settlement on XXXX XXXX gasloine direct injection engine. In which I was having problems when leased that is why I retuned it behind defect. The company is trying to profit on two consumers when, vehicle was sold in XX/XX/XXXX. Then the company expected me to pay for XXXX until XX/XX/XXXX. Someone was untilizing vehicle in company they need to be responsible for usage. Also pay for punitive damages of selling a defective SUV that is now in court for defective engine failure. I am requesting that both companies because the accounts are closed be removed off credit report due to insufficient accountability of amounts being owed and fraudulant amounts being submitted as dispute on the record. When it is over three years of servicing me as a customer. Providing updated information when accounts have been closed for not providing proof of service amounts being requested. There being made up as time progesses to receive monetary that is not due for service not being received in XXXX.
Product: Mortgage

By the end of XXXX, I began the process to obtain the money and pay off the reverse loan. In XX/XX/XXXX, the XXXX XXXX XXXX XXXX  XXXX XXXX declined the loan due to problems with the property. In other words, I was approved for the loan but the property does not qualify for any product. The Bank tells me that no financial institution is going to XXXX me the money due to the situation of the property. I contact HUD indicating the situation, I send them the bank document and I even make an offer to pay off the loan to which they tell me that they do not accept any offer other than paying 95 % appraisal of the property. I contact other banks to present the situation and try to get the money, but all the banks, including Banco Popular de Puerto Rico, who originated the reverse loan, told me the same thing, that the property does not qualify for any loan. At the moment, I am in a Mediation program with Banco Popular in the Court but they do not want to accept an offer, they just want full payment that I can not get due to the situation described or that they hand over the property, which is not an alternative for me since I have tried everything and it is the only property I have. It is my only home and I have not refused to pay at any time and I followed all the steps that they have indicated to me. I just want you to help me with this situation because they granted a reverse loan with a property that has a " Hazzard '' because the property has had that situation since XXXX and if in XXXX it qualified for a reverse because now they can not grant me the loan to pay it off. Please I need your intervention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collections amount of {$250.00} from XXXX that does not belong to me. The account number as shown is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX in the amount of {$310.00}, I am requesting this to be investigated immediately. I am entitled to validation of the debt and have not had a response in over 2 months and was not provided with any paperwork with anything bearing my name to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to XXXX, XXXX and Equifax Credit Bureaus to update my personal information to only 1 name,1 address because I don't want to be a victim of identity theft. I explain in my letters having those addresses listed on my report is opening me to be victim of someone filling out a credit card application or loan in my name and subjecting me to go into debt without my knowledge. I have sent countless letters and copies of my drivers license and utility bills to prove my current address, but nothing is being done.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> Amount : {$2300.00} Action Steps Taken : 1. Contacted the Lender : I reached out by [ phone/email/letter ] to request detailed information regarding the collection I asked for clarification on the reason for the collection and requested an itemized breakdown of the amount owed.

2. Requested Documentation : I formally requested copies of the loan agreement, payment history, and any communication sent regarding missed payments or default on the loan.

3. Explored Resolution Options : I inquired about the possibility of reinstating the loan including the total amount required and any associated deadlines.

4. Reviewed Rights and State Laws : I reviewed my rights regarding loan collection under state laws to ensure proper procedure
s were followed by the lender.

5. Followed Up : I followed up with the lender on XXXX to confirm receipt of my request and to seek updates regarding the next steps.
Product: Mortgage

Fifth Third Bank put a deferment on my mortgage I have never made a late payment I have always put {$100.00} extra toward the principal they have put this on all three of my credit reports. I'm at my wit 's end trying to get this solved you can not get a hold of anybody at fifth Third they just keep transferring you and giving you information that is incorrect. This is not fair to me and I don't know who else to contact.
Product: Credit card or prepaid card

I contacted Captial One Customer service today and they refused to credit my past due fee of {$25.00}. I also talked to a supervisor, XXXX, who refused to credit it back also. They said " the system wont allow me to ''. So I asked to get me to Executive Offices and someone that can reverse it and they refused. 

These exorbitant fees that you charge are ridiculous, especially on a secured card where some of the money is mine and not yours! Issues happen and will happen to your consumers. Helping them keep their money on their card without charging these fees should be a priority. You dont have to charge past due fees either - its a choice. Ive been on time except recently and would appreciate my money return to me and the {$25.00} credited
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I was advised that I could refinance my loan and that the past due payments will be reflected as current. I received a new loan in which the 1st payment was due in XXXX and the account has been paid on time. 

In XX/XX/XXXX, I received a letter confirming that if I refinance my loan, past due payments will be updated to current. However, the account is closed and past due payments have not been updated to current on the old loan as I was advised. 

The letter is conflicting and misleading because I was told by a representative that it did not mean that the past due payments will be updated, it was stated that the the loan would report current when the new loan was established. But the letter does not state that. The letter states Past Due Payments will reflect current. I have disputed the past due reporting before and was told that the past due payment history will not be updated. Im in the process of purchasing a home and the negative information is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to remove the account ( XXXX XXXX XXXX Account number XXXX {$400.00} past due as of XXXX XXXX ) from my credit report. They have failed to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is attempting to collect on an alleged debt that they have written off. 
I have attempted to dispute this debt previously, however, they are still reporting this on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS. MY INFORMATION WAS EXPOSED DURING A DATA BREACH THE FOLLOWING ACCOUNTS ARE FRADULENT. THE FOLLOWING ACCOUNTS ARE INACCURATE INFORMATION ON MY CREDIT REPORT UNDER MY RIGHTS PROVIDED BY THE FAIR CREDIT REPORTING ACT ( 15 U.S. Code 1681 ). I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND FOUND THAT CERTAIN ACCOUNT ( S ) LISTED ARE NOT MINE AND SHOULD BE REMOVED IMMEDIATELY. I WANT THESE ACCOUNTS LISTED THAT AREN'T MINE REMOVED IMMEDIATELY. 


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

To Whom It May Concern : I have recently been informed that there is negative information reported by PROFIT SERVICES GROUP in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an inaccurate entry listings of {$770.00} & {$350.00}. I challenge the accuracy, compliance and reportability of these listings. ( Can not collect debts twice ) There are no contracts, no valid claim ... accounts were settled with original creditor ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Payday loan, title loan, personal loan, or advance loan

I have a bill pay that automatically sends a payment once a month ; the previous months, over XXXX have all gone through. I have made no changes on my side and my bank XXXX can confirm. I tried to call Citzens and they couldn't help and eventually just hung up on me.
Product: Credit card or prepaid card

# 1 Dispute case # : XXXX Card # ending in XXXX USAA Credit card Merchant name : XXXX XXXX   XXXX  ( XXXX XXXX XXXX ) Transaction date : XX/XX/2020 Transaction amount : {$110.00} Disputed amount : {$110.00} # 2 Dispute case # : XXXX Card # ending in XXXX USAA Credit card Merchant name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Transaction date : XX/XX/2020 Transaction amount : {$1600.00} Disputed amount : {$1600.00} This dispute is about me making a purchase on my credit card USAA in two separate transactions and the merchant that I purchased the trip from cancelled and told me to apply for a refund. I did apply for a refund however the company did not give me the refund back. I filed a dispute with the credit agency and did not help me out with dispute on the account. XXXX not follow there dispute policy which states that if service is provided, customer has the right receive full refund. This impact my credit in a negative way by increasing my credit balance decreasing my credit score. I am currently refinancing my house in which is also effecting my financial as it relate to COVID-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes, please. Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted EQUIFAX to resolve the issue of hard inquiries being made on my credit report. I have also contacted the companies personally regarding the same situation. Finally, I have submitted all copies, etc of letters to EQUIFAX. They have continued to not resolve the situation.
Product: Credit reporting or other personal consumer reports

" I C systems '' is reporting that I owe over XXXX XXXX on my credit report, stemming from not returning my computer from an old job. At no point did I ever enter a contractual obligation to return my work computer after returning to work from home during the pandemic. Now my credit report is suffering even more from this. This matter has nothing to do with a creditkr contract and has no business being on my credit report.
Product: Credit reporting or other personal consumer reports

I didnt know hard inquiries works and I noticed that my credit keeps on going down and down so I asked a friend to help. We noticed that some companies repeated multiple times on my credit on auto loans that I didnt applied for and when I called them they said they couldnt help at all. Im a XXXX XXXX and Im Barely home. Some stuffs that I noticed on my credits are not from me at all
Product: Debt collection

Portfolio Recovery Associates LLC has been trying to collect monies in the amount of XXXX that is claimed to be owed from a company that filed bankruptcy and closed back in XXXX. I had a credit card with XXXX years prior that had been settled with the company therefore I am not as to how or why Portfolio Recovery has for years now placed themselves on my credit as a creditor that is owed money from me which is incorrect. We are talking at the least 8-9 years ( XX/XX/XXXX ) that have time and time again reported this error in attempt to keep it open and have been disputed over and over. I have now more than 8 years later received an execution of garnishment from a company that I owe absolutely nothing too. How is this even possible? This company has harassed me for years about money that isnt even owed to them and Im tired of the harassment and fake information that has been provided about a creditor that they purchased information from many years ago.
Product: Credit card

I came in wondering about how financing worked when buying an item at Best Buy. When I asked about it, I was aware that I would need to apply and get approved, but the worker at Best Buy told me we could check what my limit would be without actually going through with the process. At the end of it, he told me that the card would arrive in a couple weeks. I told him I wasnt aware we were going through with actually getting the card and he said sorry I must have misunderstood. He was aware I just wanted to check and not get the credit card its self. I also was not made aware of the interest of the card or handed any material with it
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately from XXXX XXXX XXXX account # XXXX the account reported two late payments that was not accurate and need to be update. 
First one is XX/XX/XXXX, the second one is XX/XX/XXXX I've been paid one time and I was not late on the date I mentioned above. 
Please update my payments to paid. 
THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed. I first became aware of the fraudulent items on my credit report. Since then, I have diligently followed the necessary procedures to dispute these inaccuracies. I have submitted detailed explanations, supporting documentation, and any other required information as part of my attempts to rectify the situation. Regrettably, my efforts have been met with continuous resistance, and the fraudulent items remain on my credit report. This situation is not only compromising my financial well-being but also causing considerable stress and anxiety. I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent items in question pose a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal. I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately. I understand that resolving cases of fraud can be complex, but the persistent nature of this problem is deeply concerning. I trust that you will treat this matter with the urgency and seriousness it requires, ensuring a prompt and comprehensive resolution. If this matter is not addressed to my satisfaction withinthe exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to remove these fraudulent items in my credit file : 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