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

The account was permanently blocked on the XXXX of XXXX XXXX due to alleged fraudulent activity although supporting documentation was given to show that there was no fraud involved the balance was {$100.00} in the checking account and {$600.00} in the savings account that was deposited from my pay check American Express has failed to release the money owed to me within a reasonable amount of time the first contact on the issue was XXXX/XXXX/XXXX and was told by a female agent I would recieve my money in 7 or 10 business days I recieved {$100.00} in a check on XXXX/XXXX/XXXX 20 days past the date that was said and here I am today XXXX/XXXX/XXXX still waiting to recieve the rest of my {$600.00} from the savings account I spoke with a female agent on XXXX/XXXX/XXXX who said it would be sent in 7 or 10 business days again more lies
Product: Credit card or prepaid card

CITI credit card will not remove pending charges even after a three way call from XXXX that put three charges on card that was not autorized. It was CITI request to do three way calling they claimed that my card was a gift card and not a secured card? I am stuck paying XXXX due to false charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I reached out to transunion by certified mail to inquire the method of verification for a bankruptcy that is listed on my report. on XX/XX/21, transunion responded with a letter that informed me that the bankruptcy was valid and they have already investigated which is not what I requested from them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2024, XX/XX/2024, and XX/XX/2024 to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Checking or savings account

Friday XX/XX/XXXX I was offered to do a job for someone that would start Monday XXXX XXXX. I was paid XXXX to do the job, and would be paid by check that I would deposit through my mobile banking app. When I received the check it was for XXXX and was asked to send XXXX to an orphanage through XXXX XXXX. I thought it was fine as everything looked legitimate to my knowledge and Im all for supporting orphanages. I deposited the check and kept XXXX for my pay and sent the remaining XXXX through XXXX XXXX. The next day I was sent another heck for XXXX which I deposited XXXX for my pay and sent XXXX to the orphanage again. However the next day I noticed my bank Wells Fargo had put a hold on the check and that my account was overdrawn. This has never happened to me before so I immediately called my bank to inquire about the check and as told why it was being held. The phone teller let me know that it was being held due to verification reasons. At that point I began questioning if I had been scammed. I contacted the person who sent me the check and they asked for my social security info and Id numbers, which after I know I had been scammed, and that they was not likely any orphanage. I called Wells Fargo on XX/XX/XXXX and XXXX of 2021 and reported the incident aswell as to file a claim for the reimbursement of the XXXX I had sent through XXXX XXXX. Several days have passed and on XXXX XXXX I called to check on my claim and when I got off the phone they said they would call me with any further questions. Then later that day I received an email saying that my claim was completed however I received no reimbursement as of late. I am a young adult who never experienced something like this, I have been a loyal Wells Fargo customer since I was a teen, and the way this was handled did not reflect that.
Product: Payday loan, title loan, personal loan, or advance loan

I initially did the title loan XX/XX/year>. We used the value of the car, at the time $ XXXX... I had my daughter with me that day and she asked are stated " I don't understand this. '' XXXX explained ; " picture this as a huge pawn '' which alarmed me. That meant I would be paying an extinction/refinance every 30 days. The fees were not discussed. My XXXX XXXX was brought up, received a gift card and the cash was deposited. After realizing the interest rate of 181.55 %, the 30 days to repay or refinance were outrageous! It's so high to refinance XXXX a month, even my additional {$500.00} didn't help. I wasn't told of the rate. I reached out to customer service, to complaints to work something out. The text messages I received point to assistance but there is no assistance. A manager was suppose to call XX/XX/year> but I was informed it could take 10 days but it would be before my 30 days is up. Describing the loan as a " big pawn '' should be a red flag! If you pull the tape from that day you'll see the young man making the gesture as to something being large. Worst mistake of my life. AND RECOMMEND NO ONE EVER DO THIS. The only way to get out of this is to find someone that will buy out the title from TitleMax and place me on a monthly plan with a lower interest rate. This is definitely a predatory loan and usury. They may be protected but this shouldn't be allowed.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

All account Types A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

I demand that this company delete and or update these accounts on my credit report or I will have no choice but to forward this to my litigation attorney.
Product: Credit reporting or other personal consumer reports

I had a card through XXXX XXXX XXXX XXXX  go into derogatory status due to illness and life circumstances. 

I negotiated a settlement agreement with XXXX XXXX XXXX XXXX  for {$140.00} to settle the account. 

They are incorrectly showing a balance on the credit report and are continuing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items will be corrected right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

do not know this account never opened up this account never signed any papers for this account and have no idea where this account came from except for the fact that my score keeps going down and I seen this on my account NOT MY ACCOUNT AT ALL!!! 

On XX/XX/29 I called and talk to XXXX from the bank and could not find my name at all and he even suggested to file a complaint because this is not my account never opened it don't know what it is and I would like to see my signature because I don't sign nothing I only have two bank accounts XXXX XXXX XXXXXXXX and XXXX XXXX XXXX nothing else no debt like this. 
I am currently dealing with my XXXX XXXX credit card information being taken and charged a lot of stuff on my credit card that was not mine
Product: Credit card or prepaid card

I had a personal secured credit card with Fifth Third Bank. After they ruined my business account by charging {$40.00} for a cashier 's check two weeks after I received it and multiple overdrafts that this caused. They refunded the {$40.00} back for the cashier 's check a year later and apologized but did not resolved the multitude of charges that this caused. I asked to have all my accounts closed. The secured account had a balance equal to the secured amount of {$300.00}. Fifth third then took that {$300.00} and then charged over {$300.00} in fees. I have asked for this to be resolved multiple times, I'm transferred multiple times each time I call and no one seems able to handle this issue. I've sent letters and it is not resolved either.
Product: Debt collection

On XX/XX/XXXX I was contacted by XXXX, last name unknown. She started by saying this call is being recorded. She told me that I owed a debt to XXXX XXXX. I told her, yes I do. I told her that I was at work and could she call me after XXXX. She would not get off the phone. Finally she said for me to call her when I get a break. I called her around XXXX, the call went to voice mail. I left a message. On XX/XX/XXXX I receive a call from XXXX, who started the call by saying she is recording this. She preceded ask me what happened, why did I fall behind. I explained to her that the payments we to high for me to handle and I fall behind. She proceeded to say, well I need to know what happened, I know that you are a proud person, and I really need to know what happened. I explained to her that I had XXXX on my XXXX and that my insurance didn't cover {$5000.00} of it. They payments were to high for me to handle and that I was falling behind with all my bills. I told her that I contacted a debt consolidator to help me with my credit. I told her what he wanted me to pay {$450.00} every 2 weeks, and that I couldn't afford that. So I contact my creditors on my own and was making arrangement to pay them off 1 by 1. She said well you never called XXXX XXXX. I told her I was going to call them because I know I owe them. I told her I would like to make arrangements to pay this debt back. She started asking me, questions like what happened, I see you paid so much and you stopped in XX/XX/XXXX. I told had fall behind because the payments were to high but I am willing to work something out to pay this. She said that she needed to know why I let it go. She said that I was to proud to tell her what really happened. I said to her what do you mean. You can tell me what is really going on. She says so you had XXXX  XXXX and the payments were to high. Yes. I said that is what I said. Really XXXX you can tell me what really happened. I said to her, I am sorry, what do you want me to say. I know you are a proud person, just tell me the truth. I said to her are you trying to collect a debt or are you a councilor. She says just tell me the truth. I told her that the call was now ended and I hung up on her. She gave me know account number. She was very rude and to me she wanted me to get angry. She kept saying I know you are frustrated. No. I said to her. I am trying to work something out with you. But she didn't want to hear that nor did she seem to want to work anything out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/XXXX My only employer is XXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX  reported inaccurate data and late multiple payments unlawfully according to fcra and Im seeking damages in the amount of {$1000.00} for each inaccurate unlawful report to the which I never authorized them to report on my credit file
Product: Credit reporting or other personal consumer reports

On my equifax Credit report theirs a account that shows three months past, due it's a fraud account please have equifax dispute this one item I filed a federal trade commission identity theft report my social security number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2017 I ordered a free copy of my credit report for XXXX, Experian, and XXXX before I went out to try to purchase vehicle and I was denied. I looked over the credit report and noticed some major errors, also some new accounts and inquiries I have never opened up. It was really frustrating and embarrassing to have been denied for a vehicle. I have no clue of how these new accounts and inquiries XXXX 1. XXXX XXXX Bank Acct # XXXX 2. XXXX XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX XXXX Acct # XXXX Experian 1. XXXX XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX XXXX Acct # XXXX XXXX 1. XXXX XXXX acct XXXX 2. XXXX/XXXX XXXX Card acct XXXX XXXX. XXXX XXXX XXXX acct XXXX and inquiries without my consent. I contacted each credit bureau by mail with certified copies of letters and I never got any response from any of he bureaus. I 've been waiting for 5 months almost half a year and I have n't seen any actions being taken on the error fraudulent accounts. I sent over various documents along with police reports of the indetity theft and errors on my report. The customer service reps we 're rude and it was very difficult to understand them. I am now pushed to file a lawsuit against all three bureaus along with the companies that are verifying false information on my credit report. It is breaking the law and my rights are being violated. So with that being said I 'm fed up and ready to take legal actions against the bureaus and whomever used my name. I refuse to give any ample time because it 's been a very long time and this is really bad service on your part not communicating with me, rude, unprofessional. I will hire a private investigator in the mean time along with filing the law suit. See you in court. You can email me within 10 days of receiving this message and since you guys have broken the law, I wo n't allow more than 15 days for a response. Treat someone how you want to be treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting incorrectly a collection on the XXXX account numbers - XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I have attached two statements from XXXX XXXX that clearly show an accurate payment history of these accounts, with no late payments and no balance due. I have also attached an updated credit score from FICO dated XX/XX/2019 stating XXXX XXXX XXXX XXXX account balance went from {$2600.00} to {$0.00}. This incorrect reporting and coding of these line items on my credit report are harming my credit score.
Product: Credit reporting or other personal consumer reports

Experians website and app will not allow me to log into my account. I have tried many times to get this resolved but only receive a text from Experience saying login FAQs with no other information or attachment. No matter what I do, the automated system will not ever let me reach a customer service agent. 

Over this time, Experian has repeatedly sent me emails saying that my social security was found on the dark web and also that new credit actions have been taken. However, because I cant log on, I can not gain any additional information on any of this to know whether I need to put a freeze on my credit or a fraud warning. Again, there is simply no way to get past the automated system to be able to speak with a customer service agent to get more information or at least to get help with logging in. 

The lack of access to customer service agents in this context violates reasonable expectations for the two credit monitoring services that I have through Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my HSBC credit card account balance off on XX/XX/2022 Before it was transferred over to the new credit card company XXXX XXXX XXXX. There was a XXXX balance. I have contacted Hsbc more than 5 times by phone. They keep telling me they no longer will service the transferred account. They keep referring me to XXXX gold card the new company. When I contacted the new company about this they said I had no owed balance on my account at all. They confirmed that there was no balance. I filed more than XXXX disputes with XXXX. Each time they decided the balance would remain because hsbc said the balance it accurate. But I have a Bank statement from XXXX XXXX  XXXX that clearly says and confirms what I am saying. I just file another dispute with XXXX about the same issue, reporting fair information to my credit report. This is stopping me from conducting my business. The amount {$3800.00} paid by me
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX, a payment through XXXX was made for the purchase of one golf cart through what I believed was a legitimate company located in Pennsylvania. We exchanged several phone calls and then I decided to purchase. After the seller would not contact me back, I phoned the company headquarters in Texas at which time i was told that if was fraud. It appeared the companys website had been cloned. ( The website is still up and active by the way ). I filed a fraudulent claim with both XXXX and Capital One. Capital One would credit the dispute and then reapply. After several months of trying to resolve the issue, Capital One sent a notice that the charge was no longer disputable due to the amount of time involved. XXXX had responded saying my case " was won '' and that Capital One should be contacted to find out where the funds were. At times, I even contacted XXXX, above Capital One without any success. I have filed a complaint with the West Virginia Attorney Generals Office as well. I am out the funds. I do not understand why XXXX could not have reversed the funds in the account. They have not been very helpful. Again, the website is still active, in fact the same crooks have a new website selling Kayaks. 

Federal Wire Transfer Fraud ( XXXX ) Date Filed- XXXX XXXX, West Virginia Attorney Generals Office - XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) & ( XXXX ). XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to Experian for continuously reporting fraudulent and questionable accounts. I sent out letter to the bureau but they take no action, the accounts that I reported to them still reflecting on my file. I sent out the letter last XX/XX/ and until they did not take action in correcting the accounts. I have attached also my FTC report number XXXX for the references of these fraudulent accounts.
Product: Credit card or prepaid card

On XX/XX/2022 I made a {$2900.00} online balance transfer. I was charged the {$2900.00} onto my credit card. The other credit card never received the {$2900.00}. I contacted the company with whom I made the online balance transfer and found out that the funds went to a company that I dont have a credit card with. I made numerous attempts to call the company to let them know about this issue to resolve it and get my money refunded. 

On XX/XX/2022 I was able to reach the company with whom I started the online balance transfer and explain the situation. At that time I informed that they will be contacting me within 90 days to set up a conference call with both the company that I made the balance transfer and with the other company which received my funds. 

In XX/XX/2022 I called about the progress of a resolution. I was told that I was the one that had to contact the other company and set up a conference call to resolve the misapplied funds. I called the other company numerous times and could not even get any information because I dont have any accounts with them.
Product: Debt collection

PLEASE HELP ME, EVERY TIME IM SEEING THESE FRAUDULENT ACCOUNTS, THESE ARE GIVING ME XXXX. I WANT THESE TO BE TAKEN OFF FROM MY CREDIT REPORT PERMANENTLY.
Product: Debt collection

My review shows multiple accounts I didnt open. Please promptly block and remove them.