23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I consistently ensure that my payments are made on time ; that much I am certain of. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} for each account reporting inaccurately.
Product: Money transfer, virtual currency, or money service

Good morning, I recently transferred {$1000.00} from PayPal to my XX/XX/XXXX XX/XX/XXXX account ending in XXXX from a recent sale on XX/XX/XXXX transaction ID XXXX and transaction ID XXXX with the deposit arriving to my XX/XX/XXXX XX/XX/XXXX account the next day on XX/XX/XXXX. Five days later on Wednesday XXXX, PayPal reversed the funds without any notice. I first messaged XXXX XXXX  and they stated that the reversal was on Paypal 's end, so they are unable to do anything and recommended contacting Paypal. When I contacted Paypal multiple times from XXXX, they stated that the transfer was initial transfer was complete and that they have no record of the {$1000.00} reversal on their end. The {$1000.00} balance is also not reflected in my PayPal account. I am at a deficit of {$1000.00} due to PayPal 's mistake ; essentially, {$1000.00} was stolen from my bank account from them without any notice.
Product: Credit reporting or other personal consumer reports

Submitted a request to have inquire remove from my file that was fraud fron XXXX XXXX that was submitted on XX/XX/year>. IT WAS FRAUDULENT .... Transunion would not removed see complaint number XXXX thay said that it would remain on my file for XXXX years even though I did not request this inquire. If they get paid for keeping it on my report then they should have to paid me too. I have a freeze on my report so how is this get on my report. They suppose to call me before accessing my report.
Product: Credit reporting or other personal consumer reports

My son opened a credit account with American Express and added me and my spouse as authorized users. We never used the card but he ended up with {$3200.00} in fees and charges but they put it on our credit report. We have tried to dispute this many times but it keeps coming back as valid. This debt is not mine and I would like it off of my credit report and some type of compensation for not removing it in the beginning. I have gone years with this on my report and couldnt open a credit account because of its negative reflection. So, Id like fair compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

will not correct information after proof as been summitted
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer under the Fair Credit Reporting Act ( XXXX  ) with a right to privacy outlined in XXXX XXXX XXXX ( XXXX ). I am writing this complaint personally, not through any third-party agency, and I request that your agency not respond with a generic, computer-generated letter. This is my second attempt to resolve this issue privately. My credit report contains inaccurate information that must be deleted immediately, specifically : XXXX XXXX, Account Number : XXXX, Date Opened : XXXX. Your agency has violated XXXX XXXX XXXX ( XXXX ), which clearly states that written consent is required before reporting any account, and I did not provide such authorization. This inaccurate reporting is causing emotional distress and financial harm, preventing me from securing a mortgage and putting my family in financial instability. Your willful noncompliance under XXXX XXXX XXXX makes you liable for {$1000.00} per violation and more if actual damages are proven. I do not consent to automated verifications through systems like XXXX.
Product: Credit card

Around XX/XX/2022 I was making a purchase online at Victoria Secreta and a credit card was offered to me. The purchase was charged to the credit card and I payed only after I got and SMS informed me that, but never got any details about the account. I never got the credit card or any bank statements. After a few months I was informed that I owe Comunity bank some amount for the credit card ( fees ) and pay in full and ask for the account to be closed. But after 2 months or so I got an other call from Comunity bank saying that I owed more money for the credit card I already calcel.

Now is affecting my credit score and I still don't get any information so I can pay the amount they say I owe for a credit card I never get or use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report the the intention of trying to improve my credit and I have ran into an account that does not belong to me. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681 s-2 a person should not furnish any information relating to any consumer reporting agency if the person knows or have any reasonable cause to believe that the information is inaccurate. 

( B ) reporting information after notice and confirmation of errors a person shall not furnish information relating to a consumer to any consumer reporting agency if 1 ) information is in fact inaccurate Accounts Name Radius, global solutions Account number XXXX Please investigate if every piece is correct if not, please remove it from my credit report Account Name XXXX XXXX CO L Account Number XXXX
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit card

I am writing to seek clarification and resolution regarding ongoing issues with the processing of payments on my secured credit account, which I opened in XX/XX/XXXX. Despite making timely payments from my XXXX XXXX XXXX XXXX, which is also linked to my credit profile, there have been consistent delays in posting these payments to my Discover account. 

For instance, a payment made on XX/XX/XXXX, was deducted from my XXXX account on XX/XX/XXXX, yet there was a delay in reflecting this payment on my Discover account. It is imperative that the system efficiently processes transactions and releases funds, particularly since there is no evidence of returned payments or losses on your end. 

Furthermore, I have experienced significant customer service challenges during my interactions with your team. As a Fraud Analysis from a XXXX XXXX XXXX else where. I can analyzed every agent that I had interraction with over the phone. Each inquiry regarding my account has led to extensive verification processes and responses that suggest I am perceived as a liability, despite my account being fully secured with an initial deposit of {$1000.00}. This treatment is concerning and does not align with the standards of customer service and respect I expect. 

Please explain why the funds were not posted to my account when the transferring financial institution confirmed that the payment was honored by my other financial institution. 

I am particularly distressed that such interactions not only undermine my character but also imply wrongful intentions on my part, which is unwarranted and unacceptable. I urge you to address these issues promptly, as they may constitute a violation of the Fair Credit Billing Act, which mandates that payments be posted promptly by the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra wrong info : Prepared For XXXX XXXX Report Number XXXX Date Generated XX/XX/2021 XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion continue to violate federal law with not preforming consumer disputes investigations per federal law. All three bureaus continue to use information that they are obtaining directly from the creditors which is against federal law and a direct violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company has over  XXXX  inquires on my credit reports and i only did  XXXX  inquiry and was approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

OPENED XX/XX/2021 {$1200.00} Collection agency ( XXXX ) I've reached out to the companies XXXX, XXXX, and XXXX XXXX XXXX. I've also reached out to XXXX XXXX XXXX regarding the misunderstanding of this account. I've never had XXXX XXXX XXXX. Also I reached out to XXXX, XXXX and XXXX stating that It is illegal to sell an account to a collection agency but they still Went forth what the XXXX selling the account to the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account XXXX XXXX XXXX XXXX and experian claim to update the information but the status update shows status date XX/XX/2018 and in that case they did not do an investigation for the dispute in XX/XX/2018. This is a violation of the FCRA
Product: Credit reporting or other personal consumer reports

COMPANY REFUSED TO SENT ME ANY CONTRACT MY MAIL THEY ONLY CALL ME MANY MANY TIME. I BEEN DISPUTING THIS ACOUNT FOR OVER 90 DAYS THEY ARE NOT ANSWER TO ME AND KEPT THE NEGATIVE ACCOUNT IN MY CREDIT FILE.
Product: Money transfer, virtual currency, or money service

Large amount cryptocurrency in Coinbase and account locked and no ability to unlock or access or visualize in 3 weeks.
Product: Credit card

I received a solicitation for a XXXX XXXX credit card addressed to my minor child. I reached out to the bank, First National Bank of Omaha, who sent the solicitation, and they could not provide me any information as to why they were soliciting to a minor. He is XXXX years old. I was told they only advertise cards to people with " good credit, '' and I responded that he was a minor and therefore should have no credit. I was escalated to a supervisor who could not answer how this happened, and was told they would look into it but would not follow up with me.
Product: Checking or savings account

On the XXXX of XX/XX/2024 I had received a warning from XXXX XXXX  Bank saying that " They had frozen my account do to attempts of Purchases made '' that was when after speaking with the bank I noticed all of my information was on the DarkWeb, and was getting used for Car, Purchases and other things these were reported to all the Banks and to other entities. As these where all reparteed by me and my Identity was verified on All calls XXXX created a new Back account never did they " CLOSE ' my accounts or Credit Cards ; But Chase Bank took it upon itself after I reported the incident and to " FREEZE or place on Hold '' my accounts that there is a fraud going on that was the XXXX of XXXX I had not heard anything back from Chase about what would be the move from there part on Saturday XXXX of XX/XX/2024, I sat down with a Bank Supervisor who stated after a call to another Department she stated " All the accounts had been deactivated when I asked why wasn't I notified of this and also where is the money that was in the account she stated that she was told that a Check was sent out on the XXXX of XX/XX/2024, When I stated so you mean from XXXX the had been " CLOSED along with all my Credit cards that where up to date this has caused a greater issue because do to being Terminated my Credit score has been effected.
Product: Credit reporting

I received my annual free credit report two days ago, for Experian only. I 've attempted to use their online system to submit disputes to XXXX items that violate CSR Section 682.405 ( rehabilitated student loans that should have had all negative items removed in 2012 ), but no matter what I enter in the form, I receive the message " The additional relevant information you entered is invalid. '' I tried twice to use the alternative document upload form, but received repeated error messages there too. When I try to log in now, I see that I have apparently exceeded the number of allowed views for my ( federally mandated ) credit report. At the moment, my opinion is that the broken nature of this process amounts to fraud and violation of federal law, and I see no reasonable option but to seek legal council instead since the dispute process seems unlikely to yield any response.
Product: Credit card or prepaid card

I am trying to apply my {$17.00} rewards to the Barclays Mastercard as cash back. I tried doing it online but it does not give me that option. I opted out of the terms and conditions which should have also prevented my balance from being transferred to Barclays. Opting out resulted in both the new Barclays Mastercard account and my XXXX  VISA card being closed on XX/XX/XXXX which is 3 days before the date I was told my XXXX  VISA account would be closed. I opened a new account with XXXX and would have transferred the balance to my new account. I am sure hundreds of other people are being cheated out of their rewards dollars. I was on hold waiting for customer service from XXXX XXXX today to XXXXXXXX XXXX today before I was disconnected. I called back and have been on hold since XXXX XXXX  I hung up at XXXX and gave up. 

It is a well known fact that Barclays customer service is horrible. The manner in which this business decision was implemented has been an absolute disaster on both the part of XXXX and Barclays. Only XXXX XXXX and XXXX XXXX could have XXXX  it up more. Perhaps a class action suit is in order against both Barclays and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I am formally requesting the removal of this inaccurate account from my credit report. I did not consent to its establishment or usage. Enclosed are the essential documents to back up my statement.
Product: Debt collection

This lending company calls EVERYDAY, approximately every two hours, starting as early as XXXX XXXX XXXX XXXX. They call using various out-of-state unrecognizable cell # s. They leave long messages, always on a teleprompter, stating that my loan has been approved for up to {$80000.00}. 
I have one existing credit card with Capital One, which I became unable to make monthly, timely payments on due to divorce. I contacted Capital One, and got nowhere attempting to work with them. I have never requested a personal loan from XXXX nor from any other lending company that has continued to harass me everyday. I believe that Capital One is behind this. When I have spoken with many of these callers from various agencies, and told them that I have never applied for a loan with them, and that I am registered on a National Do Not Call Registry, ( and asked to have my name/cell XXXX  removed from their contact list ), the calls stop for several days, only to resume again. These are nothing but harassing phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, have been a victim of identity theft. I have attached my FTC report listing all of the inquiries I have been affected by due to the Louisiana Data Breach and being a victim of identity theft. I have no accounts with the companies listed below. 

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: Debt collection

This is my deceased mothers credit card, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX. I am her executor. 
My mother died in XXXX and I contacted Comenity Bank numerous times and advised them of her death and inability to pay her credit card. At the time of her death, she had no money left. 

She had no estate. 

I sent documents of the above information with the death certificate. 

Comenity Bank calls me constantly daily, this is harassment. I have spoken to several people there and the debt continues to be unresolved. 

The constant phone calls are harassment and they need to stop. It is not my debt. 

XXXX XXXX XXXX
Product: Credit reporting

I have been paying my bills down and on time and some of my loans off but yet my score decreased by XXXX points for no reason. Nothing changed with the exception of paying one loan off and another loan way down. This seemed odd to me and I do n't understand why my score went down for paying off my debt as instructed by usaa.com'a credit monitoring service. Please assist
Product: Credit card

On XX/XX/XXXX, I was the victim of a " subscription bomb ''. On XX/XX/XXXX, {$870.00} was charged to my Chase Sapphire Preferred credit card for tickets to a XXXX XXXX concert in XXXX XXXX from XXXX XXXX. When I caught the charge, on XX/XX/XXXX, I immediately called Chase and had my card cancelled. Chase refunded the purchase and I thought that was the end of the matter. 
On XX/XX/XXXX, I received an email from Chase stating that I had received the benefit of the transaction, and that they were charging the sum of money back to my card. I called, and I was instructed to call XXXX XXXX, because XXXX XXXX would not release any of my personal information. The charge had come from my email and my account, so it appeared that I had made this purchase myself. I noted that this came as a result of my email being hacked, so of course it would appear that this charge came from me. I called XXXX XXXX who asked why I waited so long to contact them- and they informed me that they would start an investigation into this charge. Chase called today, XX/XX/XXXX, to follow up. Absolutely nothing had been done on behalf of Chase. I contacted XXXX XXXX, who informed me I need documentation from Chase stating that this is fraudulent, so that they could begin investigating. I called Chase back at XXXX XXXX XXXX and was informed that they would do nothing because their work day ends at XXXX XXXX XXXX 
Given that XXXX months has elapsed, I question why documentation has not occurred between Chase and XXXX XXXX to the effect of a fraudulent claim. Chase is not active in their investigation, nor is XXXX XXXX. I also question why I am expected to do the communicating between these XXXX companies, especially when Chase charges an annual fee and is FDIC insured for this sum of money.
Product: Credit reporting or other personal consumer reports

I requested my transunion credit profile to be frozen and it was not honored, which opened my account up for fraud and identity theft cases. Also put evictions in my profile wrongfully causing me to pay higher deposits for rental properties.
Product: Credit reporting or other personal consumer reports

Inaccurate information regarding this account. Information on file isnt accurate. Company did not do proper investigation or research to support credibility. Did not take into consideration of identity theft report that is on file.
Product: Other financial service

Earlier this year I was issued a check from Regions Bank for around {$20000.00}. I went there to cash it and they asked if it would be okay to get XXXX XXXX in cash and the rest in the form of a cashier 's check. Although I wanted the full amount in cash, I was understanding, due to the fact that this was a large amount. So, I have my cashier 's check, issued by the very same branch of Region 's bank here in XXXX XXXX, and they are refusing to cash it because my ID card does n't fit into the parameters set forth by their computer program. The thing is, it 's a very official ID that was issued by the XXXX with a very clear picture and I even brought a second form of ID with my picture on it. I just got released from State Jail and I do n't have a car or money to go around getting different forms of ID that fit into their box. I 'm the person whose name is on the cashier 's check, I have an official ID from the State of Texas ( it just is n't a drivers license like they want ). I know not everyone wants to walk around with large amounts of cash, but I 'm a lot more comfortable with keeping track of my money that way, and the whole point of a cashier 's check is that it can be redeemed for cash without any hassle.
Product: Bank account or service

I had 12 payments to XXXX credit cards totalling over {$1800.00} returned from CHASE saying CUSTOMER advises not authorized. I went to Chase, was told to call Fraud at XXXX and ask fir US Supervisor. Was on hold for 20 minutes then disconnected, called back on hold for 35 minutes and still waiting.
Product: Mortgage

On or before XX/XX/XXXX, I, was under XXXX XXXX Bankruptcy, which was completed discharged in XXXX, because it was over. From XXXX until XXXX multiple payments were made to Mr. Cooper by the Bankruptcy XXXX and payments currently show that theyre unapplied payments. This was informed to us by Mr. Coopers representative that Unapplied Payments are payments kept and held by Mr. Cooper, but are not applied nor reflect on the statement, until the rest of the balance is provided, which means current balance and amount owed in the account is incorrect. On or before XX/XX/XXXX, I received a Loan Modification rejection, due to missing information and documentation. I was informed by Mr. Coopers representative that the documentation used for this request was from XXXX, which doesnt apply to my current economic situation in XXXX. The above-mentioned documentation was a copy of my bankruptcy, provided by my legal representative. It included information from 7 years ago, and it was informative not a formal request for a Loan Modification since the property was part of the Bankruptcy at the time. In XX/XX/XXXX, I and my Daughter spoke to another Mr. Cooper representative to communicate my XXXX  illness, irregularities on my statement and irregularities on the Loan Modification process.In addition to the above, I speak XXXX and all the information provided to me has been in XXXX. I informed all of Mr. Coopers representatives of my lack of understanding of the language in advance in the calls. On or before XX/XX/XXXX, a new Mr. Cooper representative provided my daughter and I with the correct Loan Modification process, online access information and where find correct Loan Modification procedures within your website. The representative added notes in my account of all the irregularities found in the account, and we informed the representative of how inaccurate information and internal improper processes in my account with from Mr. Cooper, has provided me emotional hardship and distress as an elderly person. Due to all the clear internal operational issues and the mismanagement of my account, I requested a deep review and investigation of my loan and no answer has been provided. So far it has been very complicated to obtain proper answers from Mr. Cooper and their lack of transparency makes it harder. Their rejections of loan modification are vague. My statements are incorrect due to the above reason and the interest are also incorrect since Unapplied Payments have not been applied.