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

In XX/XX/XXXX XXXX XXXX/Best Buy processed a charge on my Best Buy Credit Card that should not have been processed - illegally processed a renewal in my daughter 's name on my account after product was cancelled in XX/XX/XXXX. Due to XXXX XXXX 's negligence in not only charging this on my card but also in efficiently processing the credit for the charge ; I was charged late fees and interest. It took XXXX XXXX 4 weeks to properly process the credit for the charge as they confirmed it erroneous. Best Buy upon receiving the credit ; refunded all late fees and interest as charge WAS NOT MINE or AUTHORIZED. In the time it took to refund not only the charge but also late fees and interest ; Best Buy reported me to the credit bureaus with a 30 day late status. Note - there was a XXXX balance prior to erroneous charge, late fees & interest. Therefore Best Buy reported me with a late pay for charges that weren't authorized and all refunded. How can I be late when the charges were refunded at their discretion and I owed nothing? I have documents and a log of who I spoke to on what date and lots of supporting documents. I contacted Best Buy in XX/XX/XXXX with all supporting documents and they won't remove late pay status even with documentation.
Product: Checking or savings account

On XX/XX/22 my Bank of the West checking account XXXX was incorrectly charged by XXXX XXXX XXXX XXXX ( XXXX & XXXX ) for {$53.00}. Before this, the checking account was not used until the unauthorized charge. I disputed the charge from XXXX & XXXX through Bank of the West 's online banking system. However, when I tried to see the status update I was unable to access my online banking as they took my permissions away due to the unauthorized charge overdrafting the checking account. I called Bank of the West multiple times and they assured me that they put notes on my account regarding the situation. I was told to dispute the charge through the Collection Agency ( XXXX XXXX XXXX XXXX XXXX  by someone named XXXX from the Online Banking department, which I did. XXXX also assured through a phone conversation that the charge would be taken care of since it was unauthorized and there was a mix up of disputing the charge through online banking. Today ( XX/XX/22 ) I received documents in the mail stating the XXXX XXXX XXXX spoke with Bank of the West regarding the situation, but Bank of the West decided to continue the collection. There is absolutely no way I can obtain proof from XXXX & XXXX that the checking account from Bank of the West was indeed authorized to be charged. There is also no proof that has been sent to me from Bank of the West or XXXX  XXXX XXXX XXXX that either of the companies did any type of investigation into this matter. I went through the proper channels to dispute the charge and Bank of the West decided to ignore the dispute and escalate the charge off that included the unauthorized charge and XXXX overdraft fees to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX LUXURY MOTOR XX/XX/XXXX XXXX CREDIT/LUXURY MOTO XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXX TD RETAIL CARD SERVICE XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Bank of America and it was closed at the bank 's discretion. I had my bank card and information stolen and apparently someone ( unknown ) tried to deposit a check into my account. I went through at least 3 months of agony with BOA trying to get a status of a investigation they advised they were doing and also trying to retrieve the funds that I knew I had in the account. I always got the run around and would always get transferred from one department to another. Nothing was never resolved and I heard back from anyone. I ordered my XXXX report and I seen BOA reported on there. I reached out to BOA and they advised there was a check deposited on XX/XX/2019 for {$300.00}. I was never aware before now of the date or amount of anything. All I know is that my account was closed and now I have a suspected fraud activity on my report and I am trying to dispute and clear my name. I have never had this occur before and I was baffled when a BOA agent told me there was never an investigation done. Why? Why slander my name? Please assist so I can move forward from all of this. I am requesting for consumer reports to be removed please. Thank you! P.S. I tried calling BOA 3-4 times on XXXX and prior dates and I couldn't get not one answer about what I can do because I was hung up on and it seemed accidental but no one even tried to call me back and I was getting the run around yet again and being transferred between 2 different departments whom both stated they don't assist with my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER SEVERAL ATTEMPTS AT TRYING TO GET THE XXXX XXXX NEGATIVE ACCOUNT FROM MY CREDIT REPORTS, NOTHING HAS BEEN DONE. PLEASE INFORM ME AS TO WHY THIS ACCOUNT STILL REMAINS NEGATIVE ON MY CREDIT REPORTS. THIS ACCOUNT IS FROM XXXX OF XXXX, AND FIRST ATTEMPT AT DISPUTING THIS NEGATIVE ACCOUNT WAS BACK IN XXXX OF XXXX. IT'S BEEN WAY TOO LONG SINCE THIS ACCOUNT CLOSED AND I NEED A GOOD, SELECTIVE RESPONSE AS TO WHY THIS IS STILL REPORTING NEGATIVELY. NEITHER XXXX, EXPERIAN OR XXXX  HAVE DONE ANYTHING ABOUT THIS MATTER. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY, THIS IS REALLY HURTING ALL THE GOALS I AM STRIVING FOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts reporting on my credit report. I submitted a complaint with the Federal Trade Commission. Please help me to remove these accounts from my report. You have replied that it wasn't me when I have made previous disputes. So, I have provided proof of ID. It's terrible that I always have to go through with this with this company. Please help! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I received my credit report from Experian at the end of XX/XX/2018 I noticed accounts that were not mine, reported incorrectly, addresses that were not mine and inquires I never requested. I wrote a letter had it notarized and sent it to Experian via certified mail on XX/XX/2018. On their response dated XX/XX/2018 they claimed that everything had been verified but as I started reading the second page I noticed that they are mixing my credit information with someone called XXXX XXXX XXXX. They even included his wife in my credit response! In the results of their investigations, Experian stated in writing that they verified that these items are being reported correctly. How was this verified? Who verified these accounts? What documentation was provided to them? They have FAILED to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian is breaking the law and have made a mess of my life by having false, unverified information on my credit report which is causing me severe problems in obtaining credit with a lower APR, higher insurance premiums, possibly loosing job opportunities by not being able to obtain a security clearance
Product: Checking or savings account

On XX/XX/2023 I opened a Truist XXXX checking account and Money Market Account at the XXXX XXXX XXXX Truist Bank located in XXXX XXXX, XXXX My husband and I received a promotional offer postcard which we brought with us to open the account. It stated that if you met all the qualifications we would be given a bonus of {$300.00}. If you had two direct deposits into the checking account per month and had a balance of {$10000.00} or more at the end of 90 days in your Money Market account Truist would evaluate the account and award you the monies due you. At the end of 120 days I began to question whether or not the deposit would be made. I tried several times at the branch without any success so out of frustration I called the XXXX # on the website. Again without any resolution so I emailed XXXX XXXX, the CEO of Truist and then received a call from an executive assistant stating that the time limit on this promotional offer was 30 days and that I did not meet that deadline. All the qualifications were met within 74 days which was well within the time limit of 90 days. I do not have the mailed card so I can not prove that it was 90 - 120 days but all the other advertisements still being promoted states 90 days to satisfy the qualification. I don't believe that Truist Bank is telling the honest truth and is trying to get out of paying the bonus as promised. I have attached two other offers along with a message from someone that had the same thing happen to her.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I'm writing regarding all negative reporting accounts. Please remove all negative reporting accounts. It has come to my attention that you have disclosed my personal information to unaffiliated third parties without providing the required disclosures. According to 15 U.S. Code 6802, you are legally obligated to provide three specific disclosures. After thoroughly reviewing all the documents provided by your institution, I have found that none of these documents included the required disclosures as stipulated under 15 U.S.

Code 6802 ( b ). 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Also kindly remove all addresses that are not my primary residence XXXX XXXX XXXX XXXX XXXX, LA XXXX l 've attached my Drivers License along with utility bill, and SS card for verification. Anticipating positive results on your behalf. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed and been discharged from a chapter XXXX bankruptcy. I was also a victim of identity theft a couple years back, I submitted all information to ALL 3 BUREAUS TO HAVE MY information fixed. No one has fixed the information. I now have XXXX  INQUIRIES on my credit report which were unauthorized. Please help.
Product: Mortgage

On XX/XX/XXXX XXXX XXXX XXXX XXXX ran my credit to start the process of buying a home, during this time we we under the lender XXXX XXXX who at the time said she was working for XXXX XXXX, 14 days later she convinced us the company was closing and we would have to move to XXXX XXXX but they will have all documentation and no need to a re-run of credit on XX/XX/XXXX XXXX XXXX XXXX ran my credit, I told the company I know longer wanted to work with XXXX XXXX XXXX my credit had took another hit, so I was moved to work with XXXX XXXX XXXX Things were smooth in the beginning, so we began to look for houses again, after not being able to find the perfect house and trying again XX/XX/XXXX we started the process again. XXXX XXXX was the lender on the job, I submitted all information and informed him from day XXXX that I will only be able to use XXXX XXXX if we were able to use a program my job offers called ( Work here live here ) that takes XXXX XXXX off a new build home. He begin by saying he havent done XXXX but he will look more into it. After constantly asking he ensure that movement in fact did the program and we can complete the process, after the company choose the appraisal it didnt come back until the day of closing. They ensured me it wasnt much they could do about it they have been asking for the report for over XXXX week. I paid for the appraisal a month prior. Once the appraisal was in he told me that we will be able to close on a day of XXXX after the original closing date because we would then be clear to close. Those next XXXX day we did not receive an update which lead into the weekend. The following XXXX I requested an update and he informed me that the title company, seller closing, and our closing had to get all information together is why it was taking some time. On XXXX XX/XX/XXXX XXXX called and told me to close I would need to bring XXXX to closing because I didnt qualify for the program. Being that I work for the certain location I asked how did I not qualify and thats the only requirement. He then begin to tell the truth on how movement was not grandfather in and XXXX XXXX was over the program and she has left in the process of us getting our loan. I asked them how do we fix this since this was a huge mistake on the mortgage company end, I had already purchased furniture, wood for a privacy fences and plenty other things because XXXX ensured that it was ok since it was coming from a checking account and not a credit card. The answer on how to fix it was he needed to talk to support, I never received a call or even an email back to help out, Since I wanted the home of my dream I had to find a new lender that did the program and were able to get me closed. XXXX XXXX and XXXX XXXX, has been very negligent, not honest, and cost me to be out of an enormous amount of money, I really do hope that they are held accountable for there actions. My credit score went down around XXXX within this process and they does not seem to care one bit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX years old, and my credit is good with other agencies, transunion is upset as I don't open up credit so they slowly continue to lower my score, trying to make me pay more. 
private company trying to have their clients make money. Any thing in the Midwest is bad news. 
I want my scores to be affecting my correct and good payment history. 
if i have to use credit I do sometimes more than other times, but i pay on time and i should not be at the bottom of the tier. 
I will file a law suit with discrimination due to age and not wanting to open up more credit.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

In an attempt to raise my credit score so that I could qualify for renting a house, I paid as much as I could to reduce credit card debt. Between XX/XX/2024 and XX/XX/2024 I paid {$750.00} to my XXXX XXXX XXXX credit card account reducing the balance owed from {$1200.00} to {$480.00}. I also reduced the balance owed on a XXXX credit card by paying {$290.00}. 

On the attached file marked XX/XX/2024 there is mention of " NICE WROK lowering your balance. However, my credit score from TransUnion went DOWN -XXXX points. Not up. 

Additionally, XXXX reduced my credit score by XXXX points. Please see attached which shows that only XXXX increased from {$0.00} to {$60.00} as the card was a {$0.00} balance, I also paid XXXX XXXX {$540.00} reducing the balance owed from {$800.00} to {$260.00}. I also made payments to XXXX XXXX  ( car payment ) ( XXXX XXXX ( car payment ), XXXXXXXX XXXX and as above ... XXXX XXXX XXXX and XXXX. 
None of this makes any sense, I am being penalized for paying my credit cards. How is this helping people to get out of debt and help the economy?? 

This is so upsetting and unfair. 

XXXX Credit Bureau sent an email saying my credit score has increased.
Product: Credit reporting or other personal consumer reports

Since XXXX, Discover has consistently failed to provide the accurate date of the last activity and the closure date for a closed credit card on my XXXX consumer profile as requested. Despite numerous disputes with XXXX, they have informed me that only direct input from Discover can rectify this issue. 

XXXX has also extended the removal date for this account to 10 years from XX/XX/XXXX, even though the account was closed in XX/XX/XXXX and fully paid in XX/XX/XXXX. 

Furthermore, after speaking to a Discover representative in XX/XX/XXXX, they informed me that the dispute processed in XX/XX/XXXX was not properly processed by Discover even though their response to the Consumer Finance Protection Bureau and XXXX states otherwise, rendering the letter sent to me and XXXX invalid. Discover continues to send letters stating " updated payment history, '' instead of correcting the information requested. XXXX and Discover 's continued reporting of inaccurate information, particularly regarding the date of last activity and closure date for the closed account, is a violation of consumer protection laws. XXXX promptly resolved the matter following my initial dispute and is now accurately reporting the account. It is imperative that credit reporting agencies maintain uniformity in reporting consistent and accurate information for all accounts across all credit bureaus, or the removal of such information becomes crucial. 

I'd also like to emphasize that after reaching out to the office of Discover 's CEO, I received a letter instructing me not to contact Discover again regarding this account. This raises concerns about how Discover is handling customer issues that impact their credit reports.
Product: Credit reporting or other personal consumer reports

I RECENTLY DISCOVERED MY INFORMATION HAS BEEN INVOLVED IN A DATA BREACH AND HAS BEEN FOUND ON THE DARK PRODUCING FRAUDULENT APPLICATIONS THAT MAY HAVE BEEN SUBMITTED IN MY NAME OR MY IDENTITY WHICH HAS BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. I HAVE GIVEN MY SIGNATURE NOR CONSENT FOR MY PERSONAL INFORMATION TO BE SHARED OR SOLD TO THESE ENTITIES LISTED AND ARE VIOLATION OF FCRA SEC 604b.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

A Colorado company named Specialized Loan Servicing is managing my home loan. The calculations that they used for the escrow account are wrong. Being as such they want me to send in more money every month to cover their falsely calculated impound account. Every month. I have made my monthly payments every month. Today via a phone call I was informed that they will not apply my last payment because it was not paid in full. This will inevitably cause a " Notice of Default '' action to occur. 

In the past ( XX/XX/XXXX ), I had sent Specialized Loan Servicing documentation showing the correct information that is needed to calculate the proper property tax amount. I was informed that they did not receive that information. 

Can you assist me in helping Specialized Loan Servicing understand their errors and calculate the correct mortgage payment?
Product: Debt collection

20 years ago, while attending college I opened some credit cards. Last year I purchased a home, and resolved all credit issues at that time. Since then, I have been receiving numerous mailings from random collection agencies. 
Upon arriving at work today, a coworker signed paperwork from a constable to garnish my wages. 
I called the Attorneys representing the collector, whom in my opinion are actually collection agencies! I believe this is harassment and I 'm so upset, that I can not perform my work today. 
the harassing attorneys office is HODOSH LYON & HAMMER LTD, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/22 I received a call regarding my account from a number I recognized as XXXX XXXX XXXX XXXX. The rep XXXX asked me to verify 3 charges that appeared to be suspicious at 3 different stores in Milwaukee. I told her I did not make purchases in any of those stores. At that time XXXX put me on hold to cancel my debit card & suspend the transactions because she needed to immediately cancel the current card as well as the fraudulent transactions. Later I called XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX explained that there was a pending withdrawal of {$1400.00} but it could not be suspended because it was being processed. In order to reissue me another card XXXX closed my account and setup a new account & reissued a new card. I found out that the scammers used an account from XXXX Bank in Ohio. I called XXXX Bank and was told by XXXX a supervisor that the account # I had given her was not a number associated with her bank and verified that it was from a Cash App account. I obtained the account and routing number for the Cash App account used by the scammers. Then I called the number for Cash App I got from XXXX. I've called many many number times thoughout the day but kept getting an outgoing message that no available reps were available, call back. I also sent 3 messages to Cash App on XXXX and never received a response. Cash App is affiliated with XXXX Bank, but they could not help when I called to report the issue.In my opinion Cash App needs to setup a call center just to at least help customers with fraudulent issues, but even though people due business with them they do not attempt to help us in crisis which is so unethical. I want others Cash App customers to beware of Cash App scammers.
Product: Payday loan, title loan, or personal loan

On XXXX  XX/XX/XXXX oportun was added to my current credit report on XXXX and XXXX for the amount of {$2200.00}. I have made all of my payments for XXXX and XXXX on time and the balance still hasnt been updated on XXXX or XXXX. I contacted Oportun on last week and I was informed that I need to wait 3-5 business days to get a resolution from their internal team. I have an issue with this because the continued high balance reporting as if I havent made any payments affects my debt to income ratio. On XXXXXX/XX/XXXX XXXX was updated to {$2100.00} however, the balance showing on my account for Oportun {$2000.00}. This company is not reporting accurate information to the credit bureaus as referenced on their website they accurately report monthly to the bureaus and this is not being done.