23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I set up a {$50.00} auto pay for my business credit card with Amex. They auto drafted {$380.00} instead and claim it was an error on their part. When I tried to get them to refund this unapproved withdraw from my checking account, they said it was needed to keep the account open and sent me to multiple representatives without giving back the money they stole. I could care less about the account being open or closed. Amex doesn't get to change payments I've scheduled. 

I'd like my {$380.00} returned. Until then I have removed all bank accounts and auto pays from all XXXX of my Amex cards. I won't pay them XXXX dollar until the unapproved withdraw is returned. What they did caused a {$35.00} dollar late fee for a separate account because they stole money not meant for them with the unapproved withdraw.
Product: Debt collection

On or about XX/XX/XXXX, CREDIT CONTROL CORP issued notice to the credit bureaus indicating I owe {$270.00}. 

On XX/XX/XXXX, I contacted CREDIT CONTROL CORP and spoke with Representative XXXX XXXX who confirmed the date of birth and name on their account records did not match the information I confirmed over the phone. The debt was incorrectly issued to my record. I was informed the record would be corrected, and the credit bureau records would be updated accordingly. 

On XX/XX/XXXX, XXXX issued another notification to me which indicated the CREDIT CONTROL CORP balance for {$270.00} remained on my credit report, and further stated the status of the debt was " seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. '' The debt was incorrectly issued to my record. 

On XX/XX/XXXX, I contacted CREDIT CONTROL CORP again, and spoke with Representative XXXX, who, again, confirmed the date of birth and the name on the account did not match the information I provided over the phone. XXXX informed the matter would be escalated for resolution. In the interim, the incorrectly issued debt remains on my record. 

On XX/XX/XXXX, XXXX called me and requested I email a copy of my driver 's license to CREDIT CONTROL CORP. XXXXXXXX admitted CREDIT CONTROL CORP already had my social security number. I shared with XXXX that I had concerns with emailing my personally identifiable information via email due to a prior data spill and breach. 

I do not have any record or recollection of visiting CREDIT CONTROL CORP or affiliates for any services in person, via phone, or internet. I also do not have any record of providing CREDIT CONTROL CORP with my social security number at any time. 

CREDIT CONTROL CORP delays in expeditiously removing the incorrect information on my credit report has negatively impacted my ability to obtain goods and services where credit is required.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

I continue to get calls from a company called Enhased Recovery regarding a debt I dont owe, for a person I dont know. My number is unlisted and I can not get a person to answer if I lrt the call come through to ask them to please stop calling me!!
Product: Debt collection

Account was paid in full. According to company policy the collection should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance {$200.00} XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Still working on the issue and closed the last complaint without addressing the issue and within seconds of each other, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX collection has an account from esurance that was taken out by my ex-husband with a vehicle he financed in my name. In our divorce settlement in XX/XX/2020 he was ordered to take responsibility of that debt and all that related to it. I do not XXXX, I am legally XXXX, he is the one that was in charge of whatever insurance he wanted to put on there. This is not my collection, I did not open this account- it was done online by him like everything else he did behind my back. If anything its my ex-husbands and it should go on his credit report. I even offered this company to pay them the full balance to remove this incorrect account collection on my credit report and they refused to remove it. That was me being considerate and now I have to get legal over a debt that doesnt belong to me for a lousy {$86.00} but it is the principal and the violation of my rights under the fair credit act. Every dispute I have filed they have taken over 45 days to respond and my lender/loan officer is upset. I have excellent credit without this collection.
Product: Checking or savings account

On XX/XX/year> I received an email from capital one saying my accounts was closing and that I would be receiving a check with eligible funds but I have yet to receive my money. Every time I call the number they gave me to call theyre saying theres no time frame and that I dont have any money to withdraw but I have {$1300.00} in my account. This isnt fraudulent funds. I literally get my paycheck deposited into my account every week, i pay bills with this account, i invest with this account. That is my money and they arent trying to release it.
Product: Mortgage

Previous CFPB Complaint : XXXX Lender placed insurance on two of my 3 mortgage accounts- XXXX & XXXX. Received their notices to submit proof of insurance and sent requested info to XXXX ( per their instructions in the letter ) every time I received a letter. Additionally, my insurance agent made multiple calls, spending 20-30 mins per call providing proof of coverage. 

He advised this past XXXX, XX/XX/XXXX - he finally spoke with an agent who advised him that the XXXX will be removed from my accounts. 

Next step is to get refund for XX/XX/XXXX escrow payments and confirm future drafts do not include escrow amounts.
Product: Credit card or prepaid card

Received a letter about unemployment insurance personal identification number. However, I did not submit an unemployment claim. I contacted Colorado Department of Labor and Employment at coloradoui.gov and reported the fraud online. I also called XXXX  and went through their process to put a fraud hold on my social security number with XXXX who informed me they would contact XXXX  and XXXX  to inform of the fraud hold. A few days later, I received a U.S. Bank ReliaCard with instructions for activating the card. This is the card used to received the unemployment benefits. This is the second time I have received this card. The last time I received it I called U.S. Bank and they told me to call unemployment. When I called unemployment, they told me to call U.S. Bank. I got the run around and all I wanted to do is close this account. I believe someone has stolen my identity and applied for unemployment benefits in my name.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and XXXX XXXX compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

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 card or prepaid card

A credit card for Bread Cashback Amex has been charging late fees although we paid on time ( we always do ). They claim that they received the payment after the time when the payment was due. This XXXX have been because of the late mail service we all have encountered since the XXXX XXXX has been in charge. 

We also never receive an account statement from this company. Therefore, we can't make a payment until we call the company because they incorrectly charge us a late fee. We now have called every month since XXXX. Eventually, we cancelled the card on XX/XX/XXXX. 

We spoke to a customer service agent on XX/XX/XXXX. She said that she has erased the fees. I asked for an email confirmation of that. She said she couldn't do that. 

This company is trying to fraudulently get late fees from people who may be unsophisticated or don't have the time to deal with this situation.
Product: Credit reporting or other personal consumer reports

Inquiries 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Different platforms are showing different account. I listed all of them.
Product: Money transfer, virtual currency, or money service

My grandfather who Banked at Wells Fargo off XXXX XXXX XXXX in XXXX Ga had many accounts and a safety security box. He passed away and left me his granddaughter in charge of things. However, my father and sister had broken into his home in 2018 when he passed and had stolen all his finiancial records. They fraudulently gained access to his va accounts, savings, checking, brokerage, and convinced the bank with fraudulent papers to access his box which contained the will. I had a judges order for my father not to have acccss to that box but he did it anyway. They were able to transfer millions of dollars from his accounts by my sister having used her notary stamp fraudulently to gain access. The Wells Fargo was aware of all of this and did nothing. They were not suppose to allow him access to that box where he destroyed the will and took off with jewelry and bonds. I spent XXXX fighting this but had horrible representation due to me becoming very XXXX with XXXX XXXX. My grandaddy was my best friend and a decorated XXXX XXXX in the XXXX in XXXX and XXXX other wars. He did not deserve this greed and had every right to have his wishes known and served to his liking. My dad and sister funneled his money and bought out my sisters company partner which she became partner because of my grandfathers stolen money. XXXX XXXX is her company. Her name is XXXX XXXX XXXX. My father is XXXX XXXX XXXX. They both have illegally laundered that stolen cash along with wire fraud. They opened up mailboxes and also broke into my grandfathers accounts to move them to their addresses along with his phone and didnt even declare him deceased so they could use his XXXX XXXX and stellar XXXX XXXX XXXX. Please help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ). Due to inadequate customer service, and unfair practices. Which violates the consumer financial protection act ( CFPA ) .specifically, cash app failed to take timely and effectively measures to to prevent an address fraud on this platform, leaving my account, unprotected and vulnerable. Furthermore, the dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act in regulation E. These actions has caused significant inconvenience, and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, On my XX/XX/2022 I noticed there is an address on my Experian credit report that is not mine - please have that removed asap. 

attached to this complaint are : - my drivers license - my social security number- my address- my letter - screenshot of address where its located Please have this wrong address removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX  XXXX XXXX  NA ] Account Number : [ XXXX ] Reason : [ NEED THIS ACCOUNT REMOVED FROM MY PROFILE IT KEEP REAPPEARING. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit card or prepaid card

On XX/XX/XXXX an account was opened and I was approved for {$1000.00} credit limit. XX/XX/XXXX I demanded a cease and desist following a letter to verify who the original creditor is. Discover defaulted on both letters by failing to respond. I also sent an affidavit of truth, invoice with violations of my consumer rights and Discover also failed to respond to those in a timely manner. 15 U.S.C. 1681b ( 2 ) states consumer reporting agencies shall not report any information unless the consumer gives written consent to do so. I did not give consent to put anything negative or positive on my consumer report. They also violated me by designing a form knowing that it will be used to create false belief that a consumer owes a debt and that is a violation of 15 U.S.C. 1692j ( a ) and 15 U.S.C. 1692b ( 2 ). I am a consumer and the original creditor.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXXXXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Student loan

MOHELA has been a joke..I 've called XXXX emailed XXXX, and no one has helped me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX ACCOUNT # XXXX : XXXXXXXX XXXX XXXX IS STILL INACCURATELY REPORTING THIS INVALID ACCOUNT AS MY DEBT. IN RESPONSE TO MY LAST DISPUTE, THEY SENT ME A CREDIT CARD STATEMENT SHOWING THE WRONG NAME USED AND AN INCORRECT ADDRESS NOT ASSOCIATED WITH ME. MY LEGAL NAME USED ON MY CREDIT ACCOUNTS IS XXXX XXXX XXXX, MY LEGAL ADDRESS ON MY DRIVERS LICENSE AND ON ALL MY CREDIT REPORTS IS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, HAWAII XXXX CLEARLY THIS DOES NOT MATCH THE PERSONAL INFORMATION THAT XXXX XXXX  IS SHOWING ON THEIR STATEMENTS. IT IS CLEARLY NOT MY ACCOUNT AND NEEDS TO BE REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : 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: Checking or savings account

I opened a checking account with Wells Fargo in person at a branch in XXXX, NM on XX/XX/2020. I changed my direct deposit at work to go to this new account. My first direct deposit of {$1300.00} was posted to the account on XX/XX/2020, however an error that my company 's human resources department made while changing my direct deposit information resulted in my payroll being sent to my account, with someone else 's name attached to it. The name reflected on my paystub was also incorrect. I addressed this with my company, and they assured me that it would be corrected on my next direct deposit. On Saturday, XX/XX/2020, at approximately XXXX MST I received a phone call from Wells Fargo Prevention Center demanding that I send them a copy of my social security card, a copy of my phone bill as proof of my phone number, and wanting an explanation for why the direct deposit had arrived in my account with someone else 's name. I told the representative what happened with my paycheck, and she stated I needed to send my social security card and phone bill via fax. I advised her that I don't have access to a fax machine, but could email the documents. She stated they don't receive external email, and that I could take the documents in to a branch and have them faxed. I told her that it was XXXX on a Saturday, and the local branches would not be open until Monday and still require an appointment to come into the lobby. She stated that I could send the documents Monday ( XX/XX/20 ). I asked to clarify that my accounts would not be shut down in the mean time, and she stated that they would not and that I could continue using my debit card. Today, XX/XX/2020, I received two emails stating that both my checking and savings accounts were being closed. This has caused me significant inconvenience, and Wells Fargo still has {$300.00} of my money in my savings account which I now can not access. I have just recently fought tooth and nail to get out of a XXXX  XXXX situation. Getting this account was one of my first moves to be free from my abuser. All the information I supplied when I opened the account was truthful. I even brought my birth certificate, drivers license, and social security card with me when I opened the account but the person in the branch said they didn't need them. My cell phone account is new, and the first one I've had in my name, because of the situation I was in before. More than anything, this felt like a slap in the face. I'm very glad I chose to divide my direct deposit between two different banks. My fear was that my abuser would gain access to my new accounts, and by opening accounts at two different banks I would at least have half of my check if he got into one account. It turns out, Wells Fargo themselves are even worse.
Product: Checking or savings account

Navy federal credit Union is holding transactions to charge overdraft fees.
Product: Debt collection

I DO NOT have a signed contract with XXXX XXXX XXXX. I am not liable for the debt that this company claims I owe. My name is missing my middle initial on the correspondence sent to me. I always use my middle initial. My name as it appears ok my credit report has my middle initial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres inquiries on my credit report that i never authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that i do not recognize or didnt give any authorizations to inquire or check my report.