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

My husband and I each applied for an individual XXXX XXXX credit card in early XXXX 2017. Our application information was virtually identical as to address, time at residence ( 47 years ), home ownership, annual income, etc. The only differences were that I had a better FICO score ( over XXXX ) and I am a woman. My husband received his card immediately. I was initially asked to provide voluminous additional information, which I promptly submitted on XX/XX/XXXX. I received a phone call from Barclaycard acknowledging receipt of my information, but asking that I resubmit my Drivers License. I did so on XX/XX/XXXX. I have subsequently received three form letters from Barclaycard asking for the same information they acknowledged on the phone that they had already received satisfactorily. I have also phoned Barclaycard twice, and been left on the phone by the Customer Service department for many minutes before they just disconnected. I have never received an answer from Barclaycard as to why they are not issuing me the credit card. ( I am already a Barclaycard customer for two other brand cards, and have a perfect payment record on those cards. ) I believe I am being effectively denied the card, and not even given a reason for the failure to process my application, for the sole reason that I am a XXXX year old woman. This is a clear case of sex and age discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a SBA loan for my XXXX XXXX The contractor told me he could not get a credit report from Experian. And the SBA only uses the report from Experian. So I went online and filled out the information for an annual free credit report with all 3 companies. 
The first one I choose was Experian. After I gave them all my information and they were verifying my information, the page stated OOPS Sorry. And that was it. No other way to contact them. 
I have tried over 30 phone calls using their automated system. And at the end it states they are unable to honor my request and that my information is incorrect. I tried resetting my username and then my password to no avail. 
I do not know what else can be done. 
How do you contact this company? I have tried every way possible to contact them. 
The SBA only allows 2 days until they make a decision. And Experian wants you to mail copies of your life history to a PO Box . How can they set up millions of consumers and not have a valid consumer email address to contact?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and came across a lot of inaccurate information. 

Accounts that are inaccurate are 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 


A total amount of {$26000.00} is reporting that are inaccurate.
Product: Credit card or prepaid card

On XX/XX/2022, I purchased a desk top computer and software, XXXX XXXX from XXXX XXXX. But during the purchase process, there were problems, and so I cancelled the order by phone with XXXX XXXX. The told me it was done. However, the XXXX credit card I have with the Navy Federal Credit union was still charged the full amount for both products {$900.00}. I called XXXX XXXX again and told them I had cancelled both, and they said they would take care of it, however, they only credited the amount of the desk top {$850.00}. The charge for the XXXX XXXX was not credited. I went into XXXX XXXX  website and chatted with a representative, who told me that that was a separate charge done by XXXX and I would need to call them, which I did. They told me that XXXX XXXX charged the amount, and therefore they were the ones to deal with. The problem however, is with the XXXX XXXX XXXX XXXX I notified them by their website, sent them a copy of the receipt, copy of the XXXX statement. They declared that wasn't enough, that I would need to send a cancellation of the software. I obtained that from XXXX XXXX, and forwarded it to them. They said that the cancellationn of the software didn't indicate the amount and therefore they could not approve the discount. When in fact, the XXXX statement reflected the whole transaction process. They have since closed my request. And I don't know why. All I want is the refund {$53.00} credited to my account.
Product: Credit reporting or other personal consumer reports

I received an alert from several credit monitoring services that a new collection account was placed on my consumer credit reports from Jefferson Capital System. Jefferson Capital Systems has never contacted me about this debt that was listed on my consumer credit report, nor did I give them consent or authorization to access my credit reports from any credit reporting agency. According to 1692g. sec 809 ( a ) of the ( FDCPA ) Fair Debt Collection Practices Act. A debt collector within five days after initial communication with the consumer in connection with the collection of any debt shall send the consumer a written notice containing 1. The amount of the debt. 2. The name of the creditor to whom the debt is owed. 3. A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof. Jefferson Capital System never sent this notice. Nor showed any permissible purpose to be listed on my consumer credit report.
Product: Checking or savings account

I have XXXX issues with the US bank XXXX  account that triggered me to submit this to CFPB and need assistance to get the resolution right. 

XXXX I have been repeatedly charged for a paper statement fee. Notably on the most recent statement, i was charged for the paper statement fee although I have changed to XXXX statement more than XXXX  days ago, and the us bank agent is able to confirm I changed the setting. I have received the refund after I called in, but this is a very bad practice that many other customer might have the similar situation and they might not aware they are being charged incorrectly. I won't have time to call US bank every month to get the fee waived, so I decided to cancel my XXXX  account with US bank due to the ongoing bad experience XXXX When I opened this account, I was given a promotional offer if I fulfilled the XXXX XXXX requirement, It has been XXXX  months since opening this account, I still don't get it. When I called in, the agent told me that they can not see an offer on my account. So I think I am being tricked when I open this account. this is another reason I cancelled my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reviewed my credit report on XXXX XXXX XXXX. I noticed a hard inquiry from CITIBANK NA., BEST BUY. I did not authorized this hard inquiry. Below is a copy of transaction. 

CITIBANK NA., BEST BUY All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SD XXXX By Mail Only Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry that is fraudulent and I would like it to be removed from my credit report. The inquiry is dated XXXX and it is from Equifax Mtg.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made payment in full for Lowes credit card in person in XX/XX/XXXX. I believe cashier inputted wrong amount leaving XXXX dollar balance. Balance unknown to me until I applied for home loan and on XX/XX/XXXX was notified of major delinquency for a total of XXXX dollars that was tanking my credit score with such a minute unknown account balance. Called Lowes immediately and they said I cant pay balance as they closed the account. I have a perfect payment history on the rest of my credit report and this small account balance in error is killing my ability to obtain home loan for a newly constructed home in which I have already put down a large amount of non refundable earnest money.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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, credit repair services, or other personal consumer reports

I have been disputed with XXXX, XXXX, and Equifax on numerous occasions, and they have not responded to ANY of my requests AT ALL. Each and every letter was mailed certified, and tracking from USPS proves each letter was received by all three agencies. I am tired of being treated unfairly! I informed them over and over again that my credit report has many inaccuracies. I also informed them that I have reason to believe that my right to privacy is being violated. II believe that my personal and private information has is being shared with and disclosed to third parties without my consent. I am sure this is against the law, because no consent means that it is identity theft. These are the items listed on my report that I have been requesting a thorough investigation for : 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 [ Reporting FIVE TIMES! ] ; XXXX XXXX XXXX XXXXXXXX [ Also reporting FIVE TIMES! ] and XXXX XXXX XXXX XXXX ; Also, XXXX XXXX XXXX XXXX [ No account number listed on my reports ] is reporting SEVEN TIMES! Please send them a dispute request as well. Lastly, DEPT OF EDUCATIONXXXX XXXX is reporting EIGHT TIMES! I never had any missed payments, but they are reporting that I did. Please have them change the status supposed late payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to reflect paid on time. ONLY if they choose not to correct the status of those dates, please have them remove all eight accounts for reporting inaccurate data. They have two of the late payments listed as 90 days, and the other two late payments as 120 days. How is this possible?? Isn't there supposed to be 30 day and 60 day first? How is ONE alleged missed payment reporting both 90 and 120 days late?? Overall, this matter has been causing me entirely too much stress. I could have also saved valuable resources such as time, energy, and money fighting this issue.
Product: Credit reporting

I went to a XXXX to have XXXX work done. They set an appointment for me, sent a notification reminder, when I arrived I was told since I had n't paid the {$2400.00} " The doctor ca n't see you. I now know this amount was far was way to high for the treatments I 'd received. I was overcharged and previously had paid over {$400.00} in advance. I 'd requested they file with my insurance, they refused even though they had previously filed for payments, for which they also overcharged. 
I am a XXXX XXXX unemployed veteran, living with friends, so I 'm homeless. I had XXXX since the XXXX had completely XXXX. I suffer from XXXX that causes headaches and I was left virtually with non-functioning from XXXX, in pain and unable to bite normally. They 're failure to complete the work, left me decades for 2 years. I am on a fixed income and am a XXXX over XXXX. 
I became so desperate a friend sent me another dentist, who corrected this XXXX poor quality and incomplete work. The charge was nearly XXXX % less with the new XXXX, who did bill my insurance and took payments as this dentist originally indicated she would. 
The dentist that did n't do the service or provide goods ( my XXXX that function appropriately ) billed me for over {$2400.00}, has a collection agency harassing me to pay for goods and/or services I never received and reported the fraudulent amount of {$3000.00} to all major credit bureaus. Now their collection agency harasses me and say they would ruin my credit report. These harassing calls were recorded. Now they have, in fact reported these erroneous fraudulent charges and they are on my credit report with all XXXX major credit reporting agency.
Product: Credit reporting or other personal consumer reports

AIDVANTAGE, is reporting my account for the month of XXXX XXXX 90 days late on my XXXX, consumer report and a 120 days late for the same time on my XXXX, XXXX consumer report. This error is causing the student loan accounts to report negative.
Product: Credit reporting or other personal consumer reports

I had reach out to Experian on a lot of different times on reporting my information incorrectly on all my opened account plus on this false collection report. I had show the company that the information on my history report on my credit did not match and still no repy or answer on this is been answer. I show the certified information on the validation letter I had sent out to the company with no response to my answer letter. Experian has let company on to my report after i freeze my account and do soft pulls on my name. I had all my credit freezing for three years time. They are reporting my business address on my report where i do not resident.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, & XXXX failed to delete a fictitious debt. XXXX has failed to provide me with an original documentation of this debt existing. My car has never been repossessed. I got it refinanced and XXXX XXXX XXXX XXXX updated my credit profile with repossessed. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) the credit bureaus must verify any debt and provide me a copy of the documentation with my original signature. Please be advised under section 611 ( 5 ) ( A ) of the FCRA THE CREDIT BUREAUS ARE REQUIRED TO DELETE ALL INFORMATION THAT CAN NOT BE VERFIED. This is fraud, defamation of character, and deceptive act or practice.
Product: Checking or savings account

Dear Sir, Citizens has been creating troubles for me by not printing/mentioning complete legal name in the statements, which is violation of state and federal law. I have communicated to them multiple times and also send my identification details to citizens bank multiple times. How did citizens bank not following federal guide lines and not mentioning complete 'legal name ' and also " unnecessary spaces in the middle and last name '', which is unlawful and fraud. Is citizens bank going to be accountable and responsible at Home Land security, Immigration fraud department and USCIS if anyone submits these statements ( incomplete name and and not mentioning complete legal name ) and obtain any immigration and US government benefits. Is citizens bank going to be accountable and responsible for any kind of damages and serious consequences to me by mentioning in complete name, unnecessary spaces in the middle and last name and also not mentioned complete legal name in the account statement under account number. 
Its a serious crime as citizens bank not mentioning complete legal name ( truncated last name and unnecessary spaces in the middle and last name ). 
Could CFPB kindly direct Citizens Bank to mention/print my complete legal name along with account number in the bank statements, online account and all the bank records as per the SSN, VISA and Lawful USCIS work permit records.

Could CFPB kindly direct Citizens Bank to mention/print the right first name, middle name and last name as per my legal documents and there should not be any unnecessary spaces and truncated names, which is causing troubles and damages to me. I am also informing to USCIS and Immigration fraud department that 'please do not accept citizens statements, which have been manipulated and truncated my legal name and considerable amount of mistakes, which cause injustice, dame and fraud to me if anyone submits these online statements and misrepresents me. 
There are very strict guide lines, there should not be any mistakes and violation of federal and state law when it comes to 'complete legal name ' in the bank records and financial transactions. I am also going to file the police complaint and also copy to Michigan XXXX 's office and Federal officer. I have attached first page and highlighted the incorrect information, unnecessary spaces ( middle and last names ), truncated last name under account number. My complete legal name with first, middle and last name must be printed/mentioned in the bank records, statements and all the records of Citizens Bank. 
Could CFPB direct my complaint to federal officer and also publish the article on Citizens bank fraud, which really cause damage to account holders and Immigration/US government with unlawful statements and considerable of mistakes in the statements.
Product: Credit reporting or other personal consumer reports

I spoke with each company in the month of XX/XX/2024. I am XXXX military and have to maintain an active security clearance. Inaccurate reporting causes direct hardship and hinderance to daily well-being.
Product: Credit card

On XX/XX/XXXX, multiple charges were attempted on my Barclaycard, several from merchant showing as XXXX. I was notified via text by the credit card company to call to confirm. I called in and advised an agent the charges were fraudulent. My card was closed, I was issued another one with a new number. The transactions never posted to my account. That is until XX/XX/XXXX, when I noticed that a charge from XXXX appeared on my acct for {$580.00}. I clicked on a button that said " dispute charge '' multiple times as there was no indication or confirmation that the claim was filed. The screen just returned to my account. I assumed I would receive notification that the claim was filed in the mail. 

Today, XX/XX/XXXX, I received a letter stating that a provisional credit had been placed on my acct previously for the full disputed amount for the transaction. It also stated the transaction was deemed valid based on merchant information provided and the provisional credit was removed. 

1. This is not an authorized charge. I have never made a purchase with XXXX. Multiple charges of varying amounts were attempted by XXXX on XXXX, all of which were disputed when called in. According to an agent I just spoke with, the others were " approved '' as valid claims, the one listed above was not. 

2. I was never provided a provisional credit, although the letter says I did and that it was reversed. I was never charged on XXXX, or on any subsequent date until XX/XX/XXXX for the {$580.00} purchase. When I asked the agent why I received an inaccurate letter, she stated that it was a general letter that applies to " most claims '' but acknowledged that it did not apply to my claim, as I was never provided a provisional credit nor did the transaction post. 

I've asked to receive the merchant documentation and to have the claim reviewed again. I'm currently pending the results of both requests.
Product: Mortgage

Each month I pay my mortgage ( on time ), with additional principal. I remit payment with two checks, one from my checking account and one from my XXXX XXXX. 

My payment due XX/XX/XXXX was ( I mailed payment XX/XX/XXXX ) {$1600.00} I paid : Personal check # 1 : {$1000.00} Personal Check # 2 : {$910.00} I specified on the remit form, as I often do, that the additional {$300.00} should be applied to the principal. I pay this way nearly every month. It has never been a problem and I check my statement carefully each month to ensure this. 

Freedom Mortgage has not cashed either of the checks I sent. My Freedom Mortgage account page shows the check for {$1000.00} listed as " suspense payment '' and does not show the second check as being received at all. I have called both banks which I wrote checks from and they have no record of them being cashed. 

I called FM on XXXX/XXXX/20. They were clueless, and promised me a call-back which I have not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of cybertheft. as the consumer i sent over conditional acceptance i never received written correspondence as i requested, which is violation under the ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT oliphant USA Oliphant USA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and against federal law, and florida and DC XXXX XXXX illegally and unethically accessed my credit report, which has an active freeze and fraud alert on it. this is violating federal and state law and they have been reported to the florida attorney general, local law enforcement, XXXX police department for fraud and ID theft, and the CFPB. This is illegal and you will stop accessing this XXXX persons and veterans credit reports immediately or i will file a multi millions dollar lawsuit against you for fraud pain sufferings and emotional distress!! cease and desist your illegal activity now or i will file criminal charges against you and sue your company for XXXX of dollars!! leave this XXXX person and veteran the XXXX alone and stop violating the law!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX 2016 Mid America Accounts Control Bureau began reporting inaccurate information regarding my bank account through XXXX XXXX XXXX XXXX I overdrafted my account and bank had permitted me to settle via a payment arrangement or fresh start program my account therefore was pursuant to FCRA in good standing in as much we had reached an agreement I have NO issue with XXXX XXXX  only with Mid America Accounts Control Bureau innacuratley reporting and still as of today XXXX showing i owe this amount on my XXXX report although XXXX XXXX advised them and they promised they would take it off my report.