23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a victim of business malpractice, a Service was provided for a client in which after receiving services they then went a disputed the charge which was taken from my bank account causing my account to go into the negative state. i contacted my back at the time as well as cash app which is how payment was processed and was given very little help. i contacted the bank and explained what happened and was told pretty much it was nothing they could do about it. i then went to another branch of XXXX XXXX XXXX XXXX and tried to see if i could get bettre assistance with this issue and was not helped at all, i was told i just have to pay it. the account then sold to a third party debt buyer and they have been calling me non stop trying to get me to pay. i am highly upset and have been fighting this for years, yes i could have just paid the {$540.00} and forgot about the issue as a whole but i will not take responsibility for a con artist.
Product: Checking or savings account

Capital one 360 account is having technical issues causing money to be withheld from its customers. The will only give a generic response and will not give any more details or credit the money owed.
Product: Credit reporting or other personal consumer reports

Experian is inaccurately reporting a XXXX XXXX account as a charge-off with a balance of {$3900.00}. This reporting includes re-aging the account by inconsistently reporting the " Date of Last Activity '' and failing to verify the last payment date, as well as falsely listing a balance and credit limit on a closed account. Despite multiple disputes and supporting evidence highlighting these inaccuracies, Experian has failed to correct or delete the account. Additionally, Experian violated FCRA 623 ( a ) ( 3 ) by not marking the account as disputed. I previously filed a CFPB complaint on XX/XX/year> and engaged in direct disputes with Experian, but all efforts resulted in unsatisfactory outcomes, further demonstrating their failure to comply with their obligations under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous correspondence with this company disputed it with the credit bureaus and they have failed to prove that I was ever late on any payment as I was not. I paid every payment on time and traded vehicle and closed loan accordingly. They repeatedly report I was late XXXX XXXX XXXX when that was impossible as I had traded the car late XXXX and paid off loan. They refuse to remove late payment reporting to all my bureaus when It was already traded and I was never late
Product: Student loan

Recently, I payed the balance in full on the account over the phone with a debit card to bring the account current. I asked the amazing and respectful lady over the phone to transfer me to an agent after she was done processing the payment. I eventually was transferred over to " XXXX ''. This is the same individual I've made multiple complaints on in the past. I immediately told him that I did not wish to speak with him because I don't like him and I don't trust him, and he does not know how to treat customers over the phone. He became super defensive and ego-driven and started trying to intimidate me. I asked him to transfer me to a different agent several times, to which he refused citing that that wasn't an option. He then hung up after I called him some foul names due to his terrible demeanor and inability to handle or escalate matters for Consumers. I called back and submitted another complaint against the individual and also was able to confirm from the different agent that XXXX lied about being incapable of transferring me to a different agent. XXXX also stated over the phone that he had been " closely monitoring my account '' since I made the first complaint against him, which I told him is deeply concerning. I then sent an email to Mr. XXXX explaining the above and also included Mr. XXXX 's office. I then reached out to a law firm and gave them the details of all of this.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed that there are items that are not right.I saw inquiries on my credit report, and need to remove them because they are inaccurate, incomplete or unverifiable : I never applied for credit with this company, pl I want my credit report to be accurate and by law they need to removed because the accounts are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Vehicle loan or lease

Opened account with GM Financial on XX/XX/2020 with my social security number which was a consumer credit transaction. GM Financial received full payment and has also been receiving monthly payments which has not been to my benefit. GM Financial has violated my rights as a natural person and consumer. I have attached the documents I sent out to GM Financial on XX/XX/2020. I have also attached proof of down payment in the amount of {$1300.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I have called this company XXXX times. Every time I call them, I get a different response. As of XX/XX/year>, I applied for a reward of {$100.00}, which should have been a check to me per XXXX but was never received. In addition to this, I had several credits from merchants, and I was told those were mailed as checks because I had a XXXX balance. I ran up charges of {$1300.00}. I should not have a balance based on my reward and merchant credits. I stopped using my line of credit and advised XXXX that I would not use the card until my account was reconciled. Now XXXX is telling me that they applied all the credits to my account. However, my balance is the same, {$1300.00}. I have no way to know what is a credit or a debt because they show almost all debts and credits as a debt. I feel they are doing something very shady and I can not figuer out how or why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a few requests to Experian to delete an account on my report ( XXXX XXXX XXXX XXXX ), which has inaccurately reported my scheduled payments and Payments made. These disputes were resolved XX/XX/XXXX and XXXX stating the same outcome ; that they find the information to be correct. Which is not accurate because I submitted to them the proof of my paystubs which indicated the payments being made, verses what the company was saying, and it did not add up. I explained that my payments were late due to financial hardship of COVID, however I still made payments, but they were not as late as they indicated ( 30-60 days ). XXXX informed me that the account would be closed and deleted upon my payment to payoff the debt. Which I did, but they did not keep the agreement as it is still on my report. Experian is the only credit bureau still holding onto this account. I contacted XXXX directly and they stated that they could not delete the account because its passed over. But why did they tell me they would if they couldnt? They keep resolving the issue rather quickly it seems without looking into or caring about the evidence that disputes the companys claims. The inaccuracy of payments also resulted in my overpayment to the company in which I had to be refunded.
Product: Credit card or prepaid card

American Express card offered a new card ( XXXX XXXX, 2017 ) with bonus offer of {$150.00} after about {$600.00} were spent using the card within 90 days. We satisfied this requirement and paid bills on time. But they paid ( as statement credit ) only {$100.00}. We reported dispute on phone and on chat online. They did not send any notification of dispute resolution. we did not pay {$50.00} that was in dispute, They reported this as delinquent amount and added extra fees. Our credit rating went down by 100 plus points and we were denied credit by lenders based on this report. We believe this to be fraudulent bait and switch behavior. Their customer service contact is : American Express XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXXS : we are extremely distressed the difficulty of reporting this dispute and time spent on this. We will present documentation you may require
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 D.O.B. XX/XX/XXXX To Whom It May Concern : I was looking over my credit report recently and found a bankruptcy inquiry and I am requesting you verify the accuracy of this entry. If verification is not possible, the entry must be removed immediately. XXXX XXXX XXXX Docket # XXXX. Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : The name of the courthouse with which you verified the information The name of the person at the courthouse who handled your request The address of the courthouse Which document you obtained to verify the bankruptcy Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with the credit bureaus, and noticed there are several inaccurate accounts, judgements and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened & severals inquires I did not authorized
Product: Checking or savings account

On XX/XX/XXXX, at XXXX, I approached the ATM at the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, to withdraw {$140.00} cash. I inserted my Frost Bank ATM card associated with my personal checking account and responded to the prompts on the screen. The ATM seemed to process my request however it did not dispense any cash. So, I went to the XXXX customer service desk to ask for assistance. The woman kindly acknowledged that they had been experiencing issues with the ATM and she walked outside to the ATM machine to check it out. See the image below. Unfortunately, I did not get her name, but she told me that the transaction would not ultimately be charged to my bank account since I did not receive any cash. 

I called Frost Banks customer service to let them know what happened so that they could address it accordingly. But on XX/XX/XXXX, I receive this letter from Frost Bank : Attention : XXXX Disputes Case Number : XXXX Dear Customer, This letter is to inform you that we have concluded our investigation regarding your recent debit card dispute dated XX/XX/XXXX. Based on the facts of our investigation, we do not find an error occurred. 
Your account was given provisional credit in the amount of {$140.00} on XX/XX/XXXX while we completed our investigation. 
Merchant Documents provided reflect : Data received from the merchant does not support an out of balance or failure with the ATM in question. 
On XX/XX/XXXX, we will debit the account for the provisional credit in the amount of {$140.00}. Please ensure that sufficient funds are available for this debit transaction to process accordingly. 
If you would like to request copies of the documents we relied on in resolving your claim or have any further questions, please call our Customer Service Contact Center at ( XXXX ) XXXX. Please accept our apologies for any inconvenience you may have experienced. We appreciate the opportunity to continue serving your financial needs. 
Sincerely, Customer Contact Center Upon receipt of that letter, I called Frost Bank and requested the documents mentioned in the letter. I was bounced around from frontline representatives, to a manager. I was told that I am not privy to the documents relating to my claim. They also denied my request to speak to a member of the Frost Bank legal team because theyre not client facing. Supposedly, my claim was raised to above retail but I am unsure that that means and no one has followed up in weeks. 
I respectfully communicated to the Frost Bank representatives that my pursuit of my claim has less to do with recovering {$140.00} and way more to do with ensuring that I can use my Frost Bank ATM card without concern that a repeat the event on XX/XX/XXXX at XXXX. And given the nature of this issue, maybe there is fraudulent activity and not just a system error that demands investigation more broadly. Who else experienced what I experienced? 

I am reaching out to you at XXXX to ask for your assistance in shedding light on this matter particularly for the broader integrity of the ATM network partners accessible via XXXX locations. I look forward to your response.
Product: Debt collection

National Credit Systems , Inc. continues to collect a debt that is not investigated. XXXX XXXX will not provide the following that I have repeatedly asked for : 1. Proof that they have posted a Texas Debt Collector Bond. 2. A copy of my original lease showing that I have a pet. 3. An acknowledgement signed by me at move in of damage costs to be assessed at move out. 4. A document signed by me showing damages at move out and the application of my {$400.00} deposit to the damages. XXXX XXXX at National credit systems Inc. refuses to provide these documents, all of which he says he has.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account #, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A SECTION 2 : it also states that a consumer report agency can not furnish an account without my written instructions. 
. 
15USC 1666B : a creditor must not treat a payment on a credit card account or any loan account under an open end consumer credit plan, as late for any purpose.
Product: Credit card or prepaid card

I have been using my Discover card for the last 19 years and have a continuously high interest rate of 29.99 %. I consistently pay my bills, at times I have had the card completely paid off and at random times Discover will issue me a higher credit limit amount without me asking or wanting. On XX/XX/2020 I called and asked for a lower interest rate. During my call, I was bounced around to several " departments '' I was finally able to speak with someone in the Card Member Assistance department. The gentleman agreed that my rate was too high and issued me an interest credit refund of {$1100.00}. He then told me that my interest rate would be lowerd to a percentage over the prime rate. I tried calling Discover back in XXXX because the rate wasn't lowered and didn't get anywhere.The girl on the phone was not helpfu so I hung up. I just tried calling again today, XX/XX/2020 and was told the ONLY way to reduce my interest rate is to suspend my card for 6 months and then it will be up to Discover if they want to " re-instate me '' at the going rate at that future time. To me this is slap in the face. I have been an outstanding long term consumer who uses my Discover Card for the ease of it being accepted everywhere. In order to be " considered '' for a lower rate I have to suspend my card?! Why? Discover is refusing to give me a lower rate even though my credit history with them has been near excellent in the 19 years I've had my card. Also, Discover has just issued me another credit increase. My new credit limit is {$22000.00}. Of which I am using {$6700.00}. I did not ask for this increase and now I am showing too much available credit on my credit report and I can not cancel my card due to it being the longest credit link I have on my credit history. If I cancel my credit card with them it will adversely impact my credit rating. I am at a loss at what I can do and Discover Card is not being helpful!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit report pulled by XXXX  for a mortgage loan and they are showing inaccurate information on one of my accounts as being in collection when its not and its hurting my score. The account in question is my Service finance account XXXX. This is in violation of the FCRA and needs to be fixed.
Product: Debt collection

I challeged my phone debt when I checked my credit online. Which is a good and bad idea. As soon as you do this the companies that you are in debt with call you non stop. I only have two both phone companies. One I do owe on and the other is in question and I have repeated this to them before. Did a promo switch to XXXX. XXXX did and has not paid or honored agreement. My fianc is in the same situation but I believe different company. Frequent calls. What I mean is every day so far or every 3 days calls and they do n't seem to take notes because I tell them the same thing. Mail me a settlement letter so I can give to XXXX to pay. They have yet to do so for the past 3 weeks.
Product: Mortgage

Mortgage Lenders of America, out of XXXX XXXX, Kansas, via their representative, XXXX XXXX, made me believe for several months that closing costs on a home I was trying to purchase would be roughly {$4700.00}. I have saved and put back everything I could to accumulate that amount and the sellers of the home I have been trying to purchase have also been trying to help with closing costs. Up until XXXX, XXXX XXXX, I have been led to believe that the cash needed to close would be the roughly {$4700.00} I mentioned. Our closing date was scheduled to be XXXX XXXX, XXXX. On XXXX afternoon, XXXX XXXX called me to inform me that the cash to close was going to be {$6800.00}, which is obviously a lot more than what I was led to believe and way too much to come up with with less than a week before our scheduled closing. I am not sure what can be done, but this was a very dishonest thing to do. I only ask that someone be up front and honest to begin with instead of stringing us and the sellers both along about what the cost of a company 's services are going to be. This has been a horrible experience with Mortgage Lenders of America and I only hope that in writing this that I can help someone else avoid the troubles and problems I have had with them. During the process, my wife and I were also asked for the password for our bank account, which we did NOT give out, of course. We have wasted money on an appraisal and several other fees and not really sure what we can do to recoup those losses, but I just hope no one else goes through the same thing my wife and I have.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations 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 consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THIS ACCOUNT. BLOCK AND REMOVE IT. 
XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my 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

On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquires being furnished on my consumer report : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I did not authorize nor consent to the following addresses being furnished on my consumer report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I did not authorize nor consent to the following addresses being furnished on my consumer report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My private Information that I did not authorize to be shared is being reported to a non affiliated third party which is fraud. I never consented for my private information to be shared with experian I have already reached out about this on multi occasions and highly upset and given that the wrong information is being reported and is not in line with my XXXX report this is another violation. It needs to be removed asap before I seek legal action.

Unless experian can prove that the have my authorization to report my private information they need to stop reporting. They are furnishing a deceptive form and I will take them to court.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX at XXXX, I attempted to log into Equifax.com. The website provided a message there was on a problem on their side and I should try again later. On XX/XX/XXXX at XXXX, I retried. The website did not recognize a proper username and password, then locked my access after 3 tries. I called the support number, XXXX. The agent requested account information : name, SSN, telephone number, address, etc.. I provided everything she required. She was unable to resolve the issue and indicated she would escalate the problem and that the escalation team would reach out shortly. 3 hours later, I recalled the support line have not heard from anyone. I reached a new agent who asked for the same same account information as the previous agent. Again, I provided this data. She too was unable to resolve my problem. She then transferred my call to the Office of Consumer Affairs. A gentleman named XXXX took the call. He indicated I would have to send copies of my SSN and drivers license for them to assist and it would take 7-10 days. I questioned the need for sharing these personal documents. He indicated they would not assist otherwise. When I asked to speak with a supervisor. He refused and indicated I could recall the support line but would end up with him again. There are no telephone numbers online which are active for Equfax Corporate offices for me to call. NJ XXXX XXXX XXXX 's office suggested I reach out to the CFPB for assistance. Please help as we are senior citizens and are fearful of sending our SSN and driver license cards to anyone. We always hear these should never be shared with anyone. Thank you.