23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had made a {$700.00} payment to my card, I selected the incorrect account and that was my error. Once the initial attempt had been returned and they notified me of a second attempt I promptly moved the money to the right account. I accept that the mistake was mine. However they charged me a returned payment fee. In my understanding the company if they choose to retry a payment forgot their right to charge the returned payment fee unless the retry fails. The retry cleared the account and when I asked for a courtesy refund it was declined by their agent stating they would never refund the fee. I believe this practice is predatory in nature due to them retrying the payment. If they hadnt retried the payment I would accept the fee as it was in fact returned. However since they retried the payment they forgot their claim to the fee on the first attempt and I request the fee be refunded and they examine their practice of charging the fee in the predatory nature they have employed in this case as I believe they likely charge others in the same nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

An online account was created with XXXX and paid upon closure. 

XXXX went as far as to provide a direct deposit for the remaining balance due upon closure. 

This account has been reported inaccurately as a charged off/write off for a bad debt that is invalid in the amount of {$150.00} and I request the formal validation of all tradelines associated with this account via mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONTACTED CREDIT REPORTING AGENCY ABOUT INCORRECT ITEMS REPORTED ON MY REPORT AND CREDIT AGENCY INFORMS ME THAT ACCOUNT WERE REAL AND VERIFY WITHOUT PROVIDING ANY PROOF OF HOW THEY CAME UP WITH THIS CONCLUSION
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XX/XX/XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XX/XX/XXXXXX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXXXX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11.XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
12. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXXXX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XX/XX/XXXXon XX/XX/XXXX XXXX Reported Identity Theft ) 7. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XX/XX/XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10.XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 11. XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 12. XXXXXX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal law
Product: Credit reporting or other personal consumer reports

I am filing this report due to a critical concern regarding my FICO score. This is the fourth time I am submitting a complaint in regard to the same situation that has happened multiple times over the past year ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). On XX/XX/XXXX, my credit score through Equifax was XXXX. The score factors indicated that I have no missed payments, I have limited the use of my available revolving credit, I have an established credit history, and I have shown recent use of credit cards and/or bank issued open-ended accounts ( see attachment ). On XX/XX/XXXX, my credit score indicated a decrease to XXXX. No factors were given for the drop. The only activity indicated for the period was " The total balance on all you Bankcard account ( s ) has decreased by {$41.00}. '' My credit report has no negative accounts or information. How can my score decrease when there was no negative activity ( reported or otherwise ) whatsoever within 18 days? I have no inactive accounts reported to any of the credit bureaus. I also have only two credit cards reported and a mortgage, none of which are in delinquency or late. I have contacted the credit bureaus multiple times in the past to inquire why my credit score has gone down without any reason. Not a single customer service representative at any of the credit bureaus I contacted have provided an explanation. Over a 25-year span of building my immaculate credit, this significant drop is catastrophic and is a detriment to my personal and business financial burden ( i.e., line of credit, merchant account, property rentals, mortgage, insurance, credit cards, auto loans, equipment rental, terms of leases, business investments, and bank loans ). Credit standing is my blueprint and having a lower score can affect my standing with any reputable financial institution.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by CREDIT COLLECTION SERVICES , INC .

They are being completely unfair and I dont know how to get ahold on them but through this portal. I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

This company has been reporting wrong information, re-aging the account, Unfair business practices : I was told the account would be deleted and is still being reported. 
I never got first notice of collection, Breach of contract, Failure to send late payment notice, Failing to register in the California and Massachusetts secretary of state. 

Account number 1 : Opened date : XXXX XXXX, XXXX Balance : {$0.00} Highest Balance : {$94.00} Type : Collection Account Account number 2 : Opened date XXXX. XXXX, XXXX Balance : {$0.00} Highest Balance : {$110.00} Type : Collection Account My demand is based on many damages and all the violations that they have committed : I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

Thank you.
Product: Money transfer, virtual currency, or money service

Google Pay offered a referral bonus of {$21.00} in XXXX ( XXXX ). I completed a transaction subject to the terms of the referral on XX/XX/XXXX ( XXXX ). To date, the referral remains unpaid. I began e-mail communications with the company to resolve this issue on XX/XX/XXXX ( Google_Emails.pdf ). Repeated attempts to follow-up and resolve the issue have been fruitless. The company claims to have simultaneously " escalated '' the issue yet " can't promise a timeline '' on a resolution.
Product: Credit reporting or other personal consumer reports

Found an account my credit report that is inaccurate and misapplied. 

I am writing to report and dispute a fraudulent account that has appeared on the credit report associated with my Employer Identification Number ( EIN ). As per the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-1 ( a ) and 1681i ( a ) ( 1 ) ( A ), I demand the immediate investigation and removal of this account. This account was not opened by me or any authorized representative of my business. It does not correspond to any legitimate business transactions or credit applications associated with this EIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX IS REPORTING INACCURATELY ON MY CREDIT REPORT AND NOT REPORTING 100 % ACCURATE I GOT A UPDATED CREDIT REPORT AND SENT A CERTIFIED LETTER TO THE CREDIT BUREAUS TO INVESTIGATE AND VERIFY THE ACCURACY OF THE ACCOUNT I RECEIVED A LETTER FROM THE CREDIT BUREAUS STATING THAT THE CREDITOR VALIDATED THE ACCOUNT TO BE 100 % ACCURATE AND AS I HAVE DOCUMENTS SHOWING THAT THIS ACCOUNT IS NOT REPORTING 100 % ACCURATE AND FAIR ON MY CREDIT REPORT I ALSO INCLOSED A DEBT VALIDATION LETTER FROM THE CREDITOR THAT CLAIMS I OWE THIS DEBT AND THE AMOUNTS ARE INCORRECT THAT THE CREDIT BUREAUS ARE REPORTING THIS IS IN VIOLATION OF MY RIGHTS REPORTING FALSE AND INCORRECT INFORMATION ON MY CREDIT REPORTS WITHOUT MY WRITTEN CONSENT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was trying to reach a person to make sure the bureau was reporting the correct name on my file. I went to their website and they only offered one number, XXXX. I called this number multiple times trying to reach a person. Sometimes the computer would hang up on me and I would have to call them again. In exasperation I began pushing random buttons. All the sudden the computer told me I had frozen my credit. I did not authorize to freeze my credit. If a few easily discoverable security questions and some clicks with a computer on the phone is all it takes to freeze someone's credit then my credit is not safe. I did everything, I said agent, I said help, I said person, and the computer kept hanging up on me. 
I eventually XXXX  Experian 's contact numbers and found a third party site that finally provided a contact number that Experian had refused to release to me on their website. I found out they were actually closed when I called this new number, XXXX. I called back the next day during my lunch break. I was able to find out they did have the correct name. But they refused to take off the unauthorized freeze. She directed me to the web where I answered my security questions perfectly but the computer denied me access. So now I know Experian also has false information on me. She stated the only way to take off this unauthorized freeze is to wait for snail mail. Overnight delivery would cost me money! They have no fax or email! She continued to rudely tell me I did authorize the freeze which is completely false. Random buttons are not authorization for anything, especially something as important as access to funds. I need this unauthorized freeze taken off, I need them to tell me what security questions were answered incorrectly so they can take the false information off my account, and they need to put a real phone number on their website.
Product: Prepaid card

In light of the Wells Fargo scam I want to address the fact I was scammed for employment through XXXX in an offer to be a secret shopper. I had just lost my job and the money I lost was a mortgage payment. 

This was all in conjunction with XXXX prepaid cards that loaded funds through Wells Fargo accounts that I found were flagged and should not have been processing " bad checks '' on fake accounts. 

When I originally inquired about a {$3200.00} check I received, I found all it was all connected through false checks. After filing a police report and visiting my local branch and finding this Wells Fargo account was flagged after the check was cashed, the bank manager even said nothing should have been processed with all the flags on this particular account. 

I then wrote Wells Fargo CEO XXXX XXXX who just stepped down over the revelation of fake accounts only to hear sorry you were the victim of a scam. 

The branch knew that check should of have never been cashed because of all the notes on it and proceeded to cash it anyway to take funds from unsuspecting people thinking they were gaining employment. I would like to receive my reimbursement since this scam has come to light and I have every stitch of paperwork to back it all up. Thank you.
Product: Checking or savings account

On the summer XXXX of 2024 I was charged a debt for an unauthorized transaction! I spoke with a representative at the branch and they told me there was nothing they could do. I proved every point and they had nothing to say but I cant help you
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Debt collection

I paid off the balance of the Federal Perkins loan under XXXX XXXX. I was told my debt would be transferred over to a new loan servicer, but I only had a small amount left to pay off. I received a notice form this new servicer XXXX ( website XXXX XXXX XXXX ) that I owe a larger amount, which was incorrect because the correct amount left to pay off was less. I called the company and they said that there may be a lag in communication during a loan servicer transfer, so the record would be correctly shortly. I then called XXXX XXXX, who directed me to call my school. I called my school ( XXXX XXXX ) and the loan department confirmed that the correct amount to pay off was the smaller amount. They told me I could pay off the balance with XXXX XXXX since the records weren't transferred to the new servicer yet, and that doing so would pay off my entire debt owed for this loan. I opted to pay off the entire balance with XXXX XXXX to avoid dealing with a new loan servicer, and I should have a {$0.00} dollar balance. 

I have just received a second notice with the incorrect balance from XXXX, with a message stating that my balance is 15 days overdue and they will have to report delinquent accounts to the credit bureau. I do not owe anything.
Product: Vehicle loan or lease

I have made a goodwill attempt to have this company clear up this matter. The company has record of me speaking to a representative in XXXX of XXXX and in XXXX of XXXX in order to make payment accommodations. XXXX  XXXX defines an accommodation as including an agreement to defer one or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. This company is reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX. Due to the XXXX forbearance program regulations, it states that no late payments are to be reported to the financial credit bureau during the time of COVIDs forbearance period. I have listed the late payments on my report I am requesting to be removed as I am a victim of XXXX, an XXXX XXXX military spouse and was an essential frontline worker during the XXXX pandemic. The company has failed to comply which is a direct violation of FAIR CREDIT REPORTING ACT section XXXX, XXXX XXXX XXXX ; XXXX CFR part XXXX subpart XXXX : Whenever furnishers provide information to consumer reporting agencies, they have obligations related to the accuracy and integrity of the information they furnish under the FCRA and XXXX XXXX To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider all of the trade line information they furnish that reflects a consumers status as current or delinquent. For example, information a furnisher provides about an accounts payment status, scheduled monthly payment, and the amount past due may all need to be updated to accurately reflect that a consumers account is current consistent with the CARES Act. Furnishers are encouraged to ensure they understand the data fields that the consumer reporting agencies to whom they report utilize and which standard data reporting formats may apply. 
The company has previously added a special comment code to this account in relation to these payments, however the consumer financial protection bureau has clarified the following : Furnishing a special comment code indicating that a consumer with an account is impacted by a disaster or that the consumers account is in forbearance does not provide consumer reporting agencies with this CARES Act-required information and therefore furnishing such a comment code is not a substitute for complying with these requirements. 
I made a final goodwill attempt today, XX/XX/XXXX to resolve this directly with the company, and they have refused.
Product: Debt collection

My Complaint pertains to : The Moore Law Group, XXXX. located at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( Collection Agency ) The Moore Law Group is collecting a debt which started XXXX XX/XX/2020 and I also disputed this debt they claimed I need to pay. But I have no idea or do not know anything about their collection. I have been asking or requesting a copy of the credit card contract/written application who opened the credit card under my name. But what The Moore Law group did was to filed a lawsuit against me. Until now, after various letters to produce the written contract or credit card agreement with the valid signatures was not provided. I believed that they are committing unfair debt collections because that in spite of Identity Theft Report that I submitted with FTC and Police Report they continually insisting on this debt unknown to my knowledge. Also, The Moore Law group involved other people such as my friends with regards to their collection. Their alleged accusations against me does not have a valid proof and I feel that it is already in a form of harassment on my part as well as others such as friends of mine that they communicated about the collection they are doing.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I applied for an Ace Cash Express loan, and immediately cancelled the loan when I saw the repayment agreement.. The cancellation was acknowledged by a company representative. I then applied for a payday loan, which I received. Apparently, it was still the original loan. Now I am being billed {$98.00} monthly for several months, for a $ XXXX.loan. I don't know what to do.
Product: Checking or savings account

My Citi bank checking account was recently closed, and the funds that were held in it. 
I was recently informed that the funds in my Citi Bank account are not considered to belong to me. I would like to clarify that these funds are indeed mine, and I respectfully request that Citi Bank review the situation and return the funds to me. 
On XX/XX/XXXX, I transferred {$800.00} from my XXXX XXXX  account to my Citi Bank account, and on XX/XX/XXXX, I transferred an additional {$800.00}. These funds were legally transferred from my XXXX XXXX  account, and I can provide my XXXX XXXX  statements as evidence of the transfers. 
I am more than willing to provide any further documentation or information required to assist in resolving this matter promptly.
Product: Credit card

I was charged interest by Chase after a representative informed me that there would be no interest charges if the payment was received before the due date. Attached letter to Chase explains the situation.