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

XXXX XXXX had lost my payment and cashed it 2 weeks later. I wrote to them, called them, and sent proof of the cashed check. They submitted a report to the credit bureau saying that I was late anyways. I put in a claim with experian along with all of my proof of payments and also sent a copy to XXXX. Experian did absolutely nothing to research this and did not even look at my proof. XXXX contacted me saying that it was a different month instead and so I got the paid check for that month, They kept changing the month or making excuses as to why the credit report was right. I had absolutely perfect credit for 25 years. I paid every XXXX payment on time for 6 years. They refuse to help. Their customer service is incompetent and seems to lie just to get off of the phone. Experian has the proof that I paid in XX/XX/XXXX and yet the credit report says I was late in XX/XX/XXXX, I have the payments for XX/XX/XXXX and every month so someone should do something. Both companies are incompetent and it could be easily solved by fixing my perfect credit rating back to the way it was before XXXX 's mistake. I refuse to lease with them again because of this and am thinking of seeking legal action for both as they will not help.
Product: Checking or savings account

Citibank I have credit cards Found under my log in credentials there was a checking opened and I had XXXX in it. There was a personal loan with XXXX pending XXXX transactions. I only noticed the XXXX at first. Thru the XXXX number I reported and they blocked that checking account. 
I thought that would keep from pulling it. But tge personal loan says I owe. Got a phone call from supposedly tge fraud dept they said only way to transfer it back to the loan and close was by verifying thru the whatsapp. I refused. Made more phone calls every number I could find citibank. 
They say it's reported a s will email I never see any with report.

Does not show on credit report yet but couldn't find my hard inquires.

Filed withe FTC a complaint. I need help.
Product: Debt collection

Jefferson Capitpal is in violation of the FCRA and FDCA I believe to my lawyers knowledge as well as my background involve with these laws. The company seems to have bought this debt from XXXX which has unfortunately sold them a in accurate account based or dispute with them that they refused to correct.As well This company should be reporting the first day of collection based on the info from XXXX and not showing as recent collection with them.They must report the original date of collection, Instead they are reporting it as it is recent which is causing other companies to deny credit based on there incoorect date and violation of the FCRA and FDCA.They know this hoping it will harm a consumer more by reporting false information, As well the amount is not correct and other information I am not disclosing because they should know this, instead they expect consumers to correct there mistakes for them .No attempt was ever made by them as well in neither letter or phone call which I only accept mail communications and they have failed to do so cause I could have reported this and dispute then.
Product: Checking or savings account

I live in the state of Nevada. I bank with USAA Bank. There are no ATM 's, or Banks out here. I am a tip earner and I rely on XXXX XXXX service to get funds into my account immediately without having to wait 10 days for Money Order Deposit. No matter what I do I can not get ahead and this bank is charging me tons of Over Draft fees EVEN when my account is positive! Their system does not recognise the XXXX XXXX technology and because of this I am not able to get ANYWHERE and I 'm rolling and snowballing further and further in the hole with fees and in bad standing with my other creditors. Also, returning items EVEN when I have the funds in my OVERDRAFT PROTECTION account. I have literally exhausted all my options in trying to get money in my account to cover my expenses, called and complained and I 've been told I need to keep track of all of the debits out of my account. I explain to her that YOUR SYSTEM is crediting ELECTRONIC TRANSFERS up to 3 DAYS later even though making the funds available IMMEDIATELY therefore on my end I never go negative but there system they rearrange my transactions at the end of my banking day to make it seem as if I go negative when I do n't! I have n't taken any money out of my acocunt for the last 2 weeks only put money in and I still get a non-sufficient funds FEE for {$30.00}? Just because your system will not allow me to catch up and charging me fees on top of fees on top of fees and not taking my XXXX Withdrawals ( deposits ) into consideration at all only after everything is said and done? This is a huge issue for me and I have no money because I am trusting this bank and I 'm trying to explain to them that this is a SYSTEM ERROR and your system does not recognise XXXX XXXX as a deposit!
Product: Credit card or prepaid card

In XXXX of XXXX I reached out to XXXX for warranty support on my hot tub. After troubleshooting, they determined it would need to be repaired, but they could not send a person to fix it because of the pandemic. They said they would send a replacement, an proceeded with the order and transferring my extended warranty. After the original delivery date passed, I checked online and noticed it was postponed. This happened every three months and I called in XXXX to find out what their plan was if it wasnt going to be replaced. They said I would be notified it there was any change to the next shipment date. When it passed, I logged in to contact them again to see what their plan was and noticed the shipment was cancelled. This was XX/XX/XXXX. I immediately called them and they stated that a refund was issued to Comenity bank on the card I used, and that another refund was in process. {$3400.00} on XX/XX/XXXX, the stated, was refunded to my card. {$140.00} was processing to be refunded. They transferred me to Comenity bank to find out the status. They said they did not receive a refund, but it would be processed by XX/XX/XXXX because it takes 30 days. The representative assured me this would happen. On XX/XX/XXXX, XXXX reached out and said they were working on resolving this. I repeatedly asked for a transaction number or something that proved a refund was given, and they would not provide it. I kept getting told that was the finance department, but was not able to talk to them or email them. It is now XX/XX/XXXX and the refund is still not showing, I have not received the overage, because my account is {$2000.00}. This would mean I should receive {$1500.00} after the card is paid off. They refuse to assist or contact each other to find this refund and provide my money back.
Product: Credit card or prepaid card

I called Bank of America about Direct Deposit offers in XXXX of this year and learnt that they could offer me 0 % until XX/XX/XXXX. So I went ahead and took the offer for {$19000.00} as I needed landscaping for my new home. To my surprise I noticed 19.99 % interest charges on my XXXX bill. I called them on XX/XX/XXXX and the customer service representative did not know how to help me and said someone will get in touch with me in a day or 2. Nobody got in touch with me. So I called them again on XX/XX/XXXX and I was again told someone will get in touch with me. Nobody has contacted me yet and Bank of America is charging me interest unfairly. Also point to be noted, Bank of America doesn't send any contracts/ agreements via email. I also never receive any acknowledgement of my phone conversations.
Product: Checking or savings account

KEY BANK IS REPORTING THAT THIS ACCOUNT HAS CHECKING ACCOUNT FRAUD WITH NO PROOF IN XXXX XXXX XXXX. 

FINANCIAL INSTITUTION : KEY BANK ABA NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Claim Date:XX/XX/2023 Claim Amount : {$1000.00} My account was hacked via an account to account bank transfer that I did not authorize. I notified Ace Flare immediately within minutes of receiving a text message alerting me to the unauthorized transaction. Ace Flare closed my dispute stating that there was no error found. They stated that their records show that the individual who initiated the transaction verified his/her ID and was able to successfully answer security questions that should only be known by the cardholder. That is the exact definition of identity fraud/theft. A non-authorized person fraudulently gained access to my account. I have offered to sign an affidavit or other notarized document. Ace flare customer service keeps telling me that I can not speak directly to the fraud department and that I can only email them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian the req notice of dispute was not entered with in 30 days of the completed investigation back in XX/XX/2022 factual base information was sent to you the account needs to be removed since you said youve updated it could you send me your method of verification and explain how can you go back and update the req notice of dispute from XXXX of 2022 when the law says with in 30 days of the very first dispute youre in violation of the FCRA Experian FCRA 623 ( a ) 3 could you also provide me a copy of what this Particular statute indicates with the method of verification I want you to explain it to me in your terms Remove the account Thank you
Product: Credit card or prepaid card

I have 2 Capital One Credit Cards. Earlier this year, I began to pay them off after they were past due. One of the cards I paid off in full as I had an immediate use for it. After paying the full balance, the card was unrestricted. I inquired about when the other card would lose its restriction as I was 2 months into making on-time payments well over the minimum due. I didn't get a proper answer and the rep told me they didn't have information on that at the time. This was in XXXX. I called today, XX/XX/21 to lift the restriction on the second card as it is paid off in full and has a {$0.00} balance. When I spoke with the rep today, I was told that my second card is restricted indefinitely. I asked if this meant the card was useless and they gave me a roundabout answer, so I asked if this means I would never be able to use the card again. I was told yes. I understand the payments were late, but I was never informed about an indefinite restriction placed on the card, even when asking about it a month prior. I'm now in a tighter financial situation, which I would not have been had I known I wouldn't be able to use the card since I would have made smaller payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving unwanted credit XXXX  calls, up to XXXX a day even though I am on the DO NOT CALL list. It appears that Experian is the XXXX  since ALL the telemarketers mention that they are the ones who have provided them with my number. I have not been able to speak with anyone, or, found anywhere on their website to lodge a complaint. So hopefully you can help. Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter shall serve as formal Notice of my Intent to file lawsuit. 

Credit Bureau has been delivered by registered mail both a dispute letter, as well as a follow-up letter. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. This account resulted due to identity theft. 
XXXX XXXX  XXXX Account Number : 16** Please remove this account from my credit report immediately! 

2. Mistaken Identity XXXX Account XXXX : XXXX Please remove this account from my credit report immediately! 


I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Product: Credit reporting or other personal consumer reports

I have sent letters and disputed this account multiple times. They came back as " verified '' without any proof. I have received a letter from XXXX XXXX stating there is errors and the account must be removed. This is the final attempt before my lawyers will be involved.
Product: Debt collection

The debt was charged off, paid, then sold. I'm not liable for this debit with XXXX XXXX XXXX XXXX. I do not have a contract with the collection agency that's trying to collect this debt. They did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company harrasing with calls, asked for info of what this is fraud
Product: Consumer Loan

I am less than 2 weeks past due on my lease through Chase Auto Finance, and I have a pretty good record of paying them on time for the past 3 years. They have called me 5+ times a day, today starting at XXXX and it is now XXXX and I have already received 5 calls. They never leave a message, and when you answer it is a robo call. In order to speak with someone to ask them to stop harassing me, they require you to enter your Social Security #, which I will not do when they are calling me. 5 calls in one day is intimidating and harassing.
Product: Credit card or prepaid card

On XX/XX/XXXX I received the following email from Macy 's. In short, I did not make this purchase nor do I know the person in the shipping address. I called Macy 's and they cancelled the card and will send me a new one. However I want to report this action including the person who may be responsible. 

-- -- -- -- -- XXXX XXXX, Thank you for visiting XXXX. Regrettably we had to cancel your order because we were unable to verify information provided in connection with this purchase. 

We've requested a reversal of your payment with your financial institution. The exact amount of time until your payment is reversed is determined by your financial institution. 

We understand you have a number of options when making your purchase, and we're sorry for any frustration or inconvenience. 

Please call our Consumer protection team at XXXX ( Sunday-Saturday XXXX to XXXX ) Eastern Standard XXXX XXXX XXXX this issue. 

Order # : XXXX Order date : XX/XX/XXXX Payment method : Macy 's XXXX Refunded amount : {$640.00} Billing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Shipping Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Gift Receipt : Yes Order total : {$590.00} Shipping : FREE Additional shipment fee amount : {$0.00} Shipment upgrade fee amount : {$0.00} Gift wrap fee amount : {$0.00} Sales tax : {$49.00} TOTAL : {$640.00}
Product: Student loan

I consolidated my student loans in XXXX with XXXXXXXX XXXX  and then reconsolidated them again in XXXX with XXXXXXXX XXXXk for which i am still repaying at a rate of {$390.00} per month. 

Now I am getting bills stating I still owe an additional {$28000.00} by MOEHLA and they are asking for {$330.00} per month. I am unsure why i am now being told I owe the original amount when i consolidated everything. 

I am a registered nurse, and i have been working non-stop since graduating school in XX/XX/XXXX. I am currently enrolled in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX XXXXXXXX University in NJ. I believe the bills i am receiving are a mistake AND i also am still in school so i should not be charged repayment at this time.
Product: Credit reporting 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 XXXX 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$9900.00} ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 5. XXXX ( reported twice on same date ) XX/XX/XXXX, XX/XX/XXXX 6.  XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX   XX/XX/XXXX 9. XXXX XXXX  XX/XX/XXXX 10.  XXXX XXXX XXXX CO XX/XX/XXXX 11.  XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16.  XXXX XXXX XX/XX/XXXX 17.  XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries 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. 

My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Money transfer, virtual currency, or money service

Trying to use XXXX App for investing. Unable to link my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen during a 2 month security breach affecting Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent a dispuite to Transunion about the unauthorized following accounts : XXXX XXXX, which they claim I owe {$9100.00}. 
XXXX ) XXXX XXXX : XXXX. {$2900.00} DATE OPENED XX/XX/XXXX XXXX ) XXXX : XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX : XXXX. DATE OPENED XX/XX/XXXX XXXX ) XXXX XXXX  XXXX XXXX {$30000.00} DATA OPENED XX/XX/XXXX XXXX ) XXXX XXXX. XXXX. {$1300.00} XXXX OPENED. XX/XX/XXXX It's been more than 45 days since I sent this dispute and they have not answer as they are required by the FCRA
Product: Debt collection

debt collection by phone and now by mail. I have repeatedly explained to the caller I am not the person and do not know the person w/ the name similar to mine. They keep calling daily and now letters are being received. States It is a student loan debt from XXXX University.
Product: Debt collection

I SENT RENTDEBT AUTOMATED COLLECTION LETTERS ON XX/XX/2020, XX/XX/2020 AND XX/XX/2020 AND I HAVEN'T RECEIVE ANYTHING CONCERNING THE ALLEGED DEBT OF XXXX THAT I DON'T OWE.I HAVE ATTACHED COPIES BELOW FOR MY RECORD.
Product: Vehicle loan or lease

Yes I purchased a vehicle with U S Auto Sales back 2022 and in XXXX they sold or Westlake Portfolio took over the car loan. Now my balance is almost like I never paid it, and I see that they are not honoring the warranties including the XXXX  insurance. No fees have not been reduced and their is a {$5.00} charge for every payment along with a late fee. I have already paid about {$1000.00} not knowing that they are just a debt collector for U S Auto Sales. Now all they do is call all day until after XXXX and send multiple emails for payment reminders.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts from my credit report. These accounts are fraudulent, created without my authorization as a result of a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that you take the necessary steps to remove them from my report : Fraudulent Accounts : XXXX  - XXXX - XX/XX/XXXX - {$49000.00} XXXX - XXXX - XX/XX/XXXX - {$8300.00}
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX {$470.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Personal Information Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Employers : XXXX XXXX XXXX