23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Chime Bankgave me provisional credit for my dispute but then removed it because they basically sayin Im lying. I lost my freaking wallet with my id and PIN number in it but apparently Im lying.Calling A customer A liar tho thats crazy. The money that Im earning is going towards the negative balance and thats not freaking ok. Chime clearly doesnt understand that I need my money and Im human not A robot I need to use money just as well as everyone else they need to fix my account and apply the original dispute amount back on there because they are treating me like XXXX and Im tired of them!!
Product: Debt collection

Harley Davidson financial is the alleged company. I asked to have my number XXXX opted out of their list. I have not owned nor have I done business with this company but somehow they call everyday and leave a voice mail. When I asked for them to opt my number out they demand my social security number. I asked for a supervisor and they refused. They have called everyday. I want them to stop calling.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for the unwarranted removal of a positive credit account from my credit report. The account in question is my XXXX  XXXX XXXX account, which was paid in full. Despite its positive standing and full payment, Experian has mistakenly removed this account from my credit report, adversely affecting my credit score and financial profile. 

Here are the specifics of the situation : Account Name : Bank XXXX XXXX ACCOUNT ENDING IN XXXX Status : Paid in Full Date of Removal : XX/XX/year> I have concrete evidence, including official documentation from XXXX  XXXX XXXX, confirming that this account was paid in full and should continue to be reported positively on my credit report. This documentation explicitly states that the account 's positive information should be accurately reflected in my credit history. 

The removal of this account by Experian is a significant error and a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). It has unjustifiably damaged my credit standing, potentially impacting my ability to obtain credit in the future. 

I have already disputed this action directly with Experian, requesting that they reinstate the account on my credit report to reflect its true and positive status. However, to ensure that this matter is resolved appropriately and to prevent similar issues in the future, I am bringing this to the attention of the Consumer Financial Protection Bureau. 

I am seeking the CFPBs assistance to compel Experian to : Immediately reinstate the XXXX XXXX XXXX account on my credit report as paid in full. 
Provide written confirmation of the reinstatement and any corrections made. 
Review and improve their processes for handling credit information to prevent such errors.

The unwarranted removal of a positive, paid-in-full account from my credit report by Experian is a serious concern, and I believe it warrants prompt and thorough investigation by the CFPB.
Product: Debt collection

Portfolio recovery associates and XXXX  XXXX have illegally obtained shared and sold my information to more than one debt collector violation all FDCPA FCRA laws. Also this is identity theft. The address doesn't match my address on my credit report. As many times as I've reported this account it still remains on my credit report illegally. An FTC report has been made see attached photos and pdf
Product: Credit card or prepaid card

Citigroup Inc is closing my credit card account even though it is in good standing. I haven't missed a payment in two years. They are refusing to reissue my card to replace the expired card. They are closing my account with the reason being " Past Due '' payments. I have no past due payments and haven't for 2 years. The account will be closed at the end of the month
Product: Money transfer, virtual currency, or money service

Someone of Bank of America called me relating about a suspicious transaction in my account in Texas and it was transferred to my account {$3500.00} and my phone number was changed to XXXX XXXX  and I had to take it back by transferring back my phone number to my Bank of America account. I sent the money to my phone number and it was someones name. I gave them the code they sent me and made the XXXX transfer to my phone number with another persons name. I lost my money to this thieves.
Product: Debt collection

I received a call from XXXX indicating that he was from an investigation dept for company XXXX needing me to call them within 24 hours if not a judgment will be fine against me since they worked for an attorney 's office and that they would contact my employer to garnish my wages. He later indicated to call back at XXXX with case # XXXX. I have never received any noticed in the mail about it. I call them back but what they wanted is for me to pay by phone an did n't offer to send me a letter XXXX with the instructions on how the payments were going to take place. They have also called my brother indicating that there is a judgment out on me already. 
I called CashnetUSA directly and they told me that they sold my debit XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- STUDENT ACCOUNTS 1. DEPT OF EDUCATIONXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

3. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

4. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments posted on my consumer report : XXXX XXXXXXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$9200.00} XXXX XXXX Balance Owed : {$7300.00} XXXX  XXXX XXXX Balance Owed : {$0.00} tied up XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$10000.00} Bankruptcy : XXXX XXXX  Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed : {$960.00} Bankruptcy : XXXX XXXXXXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$960.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} Bankruptcy : XXXX XXXXXXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

My problem started on XXXX XX/XX/2021, when I received a letter from XXXX credit card from Barclays dated XXXX XXXX XXXX stating that my XXXX credit card from from XXXX was being replaced with a XXXX credit card from Barclays in XXXX, giving details of the contract. I had XXXX for 19 years and was happy with the service so I did not want to change companies. I called the number in the letter to tell them not to send their card and that I did not want it. When I called, all I got was a recording and I was unable to stop the cards from coming. PARAGRAPH 8 of the letter states that I can call and reject the offer but the cards would still be sent. I sent a letter to XXXX on XXXX XX/XX/2021 which is attached. I made several flow up calls and as of today, I have yet to receive a call. I was given a case number, XXXX. Because I was happy with XXXX I got a new XXXX card. 

With that background, here is where my major problems begin. On XXXX XX/XX/2021, I stayed at the XXXX XXXX in NJ. They charged my old credit card {$150.00} in case there was any damage to the room. A copy of the charge from XXXX showing the charge is attached. On XXXX XX/XX/2021, the hotel credited the {$150.00} back to my old XXXX card ending in XXXX. On XXXX XXXX, I received a letter from Barclays stating that I owed {$330.00} On XXXX XXXX I sent a check for the full amount and asked that they send me statement showing who I owed this money to, see attachment. When I got the statement, It did not show the {$150.00} that was credited back to my old XXXX card. In addition, it showed a late fee of {$29.00}. I called Barclays and they told me that they do not show any {$150.00} credit and to call XXXX. I called XXXX on two different occasions and both times I was told that they could not help me me that I had to resolve it with Barclays. I made numerous calls to Barclays to resolve this problem as well as the late charge of {$29.00}. My complaint was elevated to a second level to resolve. I pointed out my letter that I sent on XXXX XX/XX/2021, that I could not possibly be late when I sent a check the following day that I received the notice. I was told that the {$29.00} was credited back, which it was not. My complaint was alleviated to a third level on XXXX XX/XX/2121. I was told that the {$29.00} would be credited back and the $ {$150.00} credit would show up on XXXXXXXX XXXX statement. On XXXX XXXX, I made a follow up call and was told they were not showing and {$150.00} credit and I was given an address to file a complaint to the XXXX XXXX, which I did on XXXX XX/XX/2021, copy attached. Yesterday, I made a follow up call to Barclays and I received a recording blocking my calls stating that I no longer have an account and my balance owed was zero. So now no one will talk to me and all three are pointing there fingers at each other. Some one has my {$150.00} and it is not me. Please help ... XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I ordered a couch from XXXXXXXX XXXX XXXXXXXX. I used the service Sezzle to pay for the couch in XXXX installments. On XX/XX/XXXX, I reached out to XXXXXXXX XXXX XXXXXXXX to inquire about their cancellation policy because it had been over 2 weeks and the couch had still not shipped. On XXXX de XXXX website, their cancellation policy stated that you had to wait 15 business days before the order could be cancelled or you would be charges a 50 % fee. That is why I had emailed them to get clarification on that policy. On XX/XX/XXXX, I received an email from XXXXXXXX XXXX XXXXXXXX telling me that THEY had cancelled my order and that they would issue a full refund to my bank and that I should check with my bank to see when the money would be returned. At this point, 2 of the 4 scheduled payments had already been taken out of my account. Since I was told that my order was cancelled by the merchant and that they would be issuing me a refund, I purchased a couch elsewhere. I waited a week and on XX/XX/XXXX, I emailed XXXXXXXX XXXX XXXXXXXX to see it the refund had been issues. They responded telling me that they decided to issue me store credits instead and that they had approved this with Sezzle and never notified me of this change. I tried to sort this out with XXXXXXXX XXXX XXXXXXXX myself, but after telling them that I was told I was receiving a refund and that I did not want the store credit multiple times, they then told me that they would no longer respond to my emails. The very next day on XX/XX/XXXX, I disputed this charges from Sezzle with XXXX XXXXXXXX XXXX A third and fourth charge from Sezzle then came out of my account. On XX/XX/XXXX, I received an email from Sezzle telling me that because I had disputed the charges with my bank, they were going to start charging me late fees. When I emailed them to explain the situation and why I had to dispute the charges, they said that they would turn me into collections and ruin my credit if I did not make all payments. Also, they sent me a link to XXXXXXXX XXXX XXXXXXXX cancellation policy that they had updated after refusing my refund. It had stated originally that it would be 50 % fee if the buyer cancelled before it had been 15 business days. Their policy now stated that they would issue store credit. But that was absolutely not the policy previously, and I didn't cancel the order, they did. Sezzle also expressed to me that there was no point disputing these charges with my bank because they will win and receive their money. After this horrific display from Sezzle, I decided to stop all communication with Sezzle. My bank won the dispute and the charges were deemed to be fraudulent on the part of Sezzle and XXXXXXXX XXXX XXXXXXXX. It is now XX/XX/XXXX and Sezzle is trying to send an account that was deemed fraudulent to collections and I am receiving emails to collect on this debt. The debt doesn't exist. Sezzle 's merchant was deemed to be fraudulent and I won the dispute. They are now trying to do what they threatened me with 4 years ago and ruin my credit by sending me to collections.
Product: Credit reporting or other personal consumer reports

Hi I would like to report a dispute that I have disputed with Affirm for the following amounts : XXXX XXXX XXXX XXXX XXXX I had more charges, but those have been resolved or removed from my credit report. I provided police report from the XXXX XXXX XXXX XXXX, disputes for fraud, disputes in experian for not my charges and I continue to see them on my credit. 
When I called XXXX  they would not provide me with any information because my phone number and address did not match what they had on file. Of course not ..... 
because that is not my information. 
My address is and has been XXXX XXXX XXXX, XXXX, XXXX  XXXX and my phone number is XXXX. I have had both of these for at least XXXX  years. 
My name is XXXX XXXX XXXX, my social ends with XXXX. 
I have good credit history, good healthy payment history, however these late accounts are impacting my XXXX XXXX very negatively. 
I would like to file a claim against both XXXX and Experian as they have not provided me with proof of service or proof of purchase, yet they continue to say this is my bill because I have never ever received any proof of it being mine. 
It is not my purchase or my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose THIS ACCOUNT IS LINKED TO AN ADDRESS I NEVER LIVED AT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX XXXX XXXX account number 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 a account without my written instructions. 

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

On XX/XX/2022 I submitted a claim to my insurance company for an incident. This was a hit-and-run, as the vehicle that hit ran off and was never located by the police. My insurance company did the appropriate investigation but it took some time. My insurance deemed the vehicle a total loss. 

On XX/XX/2022 a full payment of XXXX was submitted to Nissan from XXXX. 

I made XXXX payments while the insurance was working on the claim. 

On XX/XX/2022 a payment of XXXX was sent. 
On XX/XX/2022 the remaining balance of XXXX was paid in full. This is when I was notified of the remaining balance. 

Throughout the entire process, I was in communication with Nissan letting them know I was working with the insurance company. 

I asked them to review my credit and look at all of my past loans that were paid off, none of them had any late or missed payments. This is when I realized Nissan had reported a late payment. Nissan did not have much to say but " I'm sorry about that but we can not help you. '' This has caused me to get denied from obtaining a new vehicle loan 3 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity fraud. Equifax verified the account as accurate without providing proof that the account is mine. There is a difference between an open account and the account being mine. Where is my signature on any documents, payment history from my bank account, original application with my signature? I have provided the identity theft report, copy of a certified letter I sent to the debt collector, police report #, postal report # Once I made the credit reporting company aware of the fact it was identity fraud it should have been removed accordingly to the FCRA 605 B. I have provided all the information this is a violation of law
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  Account XXXX : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX  XXXX XX/XX/XXXX : XXXX XXXX NA XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian offers free credit report. As well as XXXX  and other credit cards. I use XXXX  normally but replied to experians offer. There was no limit or trial. 
Then they try to charge monthly fees. I tried reaching them by responding to their email that requested me to update my payment. 
No avail. I contacted them online at their website. On my yo he made to login with my full ss nimber a user name and pw. Still no success. I tried calling experian. Only led by a computer voice given three options on how to pay. No customer service option no matter what I did. 

I believe this is a big problem. Please let experian know they need to let go of consumers.
Product: Payday loan, title loan, or personal loan

The XXXX XXXX has been notified of the issue I'm having with the Doctor I've given them the info of dental board complaint case number that being said I told them I didn't receive all services by this doctor but this company hasn't closed this account yet give me a balance due of {$1200.00} now it magically jumped to {$1900.00} ... .instead they are riding out time so they can keep charging me even though they said they would but it on a hold so not to have recurring fee but they adding fees to a bill which they admitted I've paid the doctor off already..but this doctor didn't do what he was Ethically Required to do I have given this company all the information and all the complaintBut they continue to stall so that they can make late fees and add money to this account instead of closing it outMind you I closed the account out once I had trouble with the doctor which was right away
Product: Mortgage

LoanCare ( XXXX ) received transfer of loan in XXXX. The loan was transferred with a surplus of {$980.00} escrow. 

Loancare has not advised of how the escrow surplus was allocated. 

State of California HAP program sent funds to cover XX/XX/XXXX through XX/XX/XXXX mortgage payments. The funds were sent over 3 weeks ago. 

State of California has reached out to me requesting LoanCare provide confirmation that funds have been applied. However, LoanCare continues to report me as delinquent ( violation of RESPA 60 day reporting rule ) and has not applied the funds to bring my acocunt current. 

I have made 50 plus calls and emails to LoanCare requesting they provide confirmation as to how HAD funds have been allocated. 

All my requests are given the response of loncare needs more time to apply. Meanwhile, Loan care shows me as 90 days delinquent on my loan in which I have already requested and received help to bring current. 

My concern now is that LoanCare reported me as late and although they received HAF funding, they are not applying to my acocunt in a timely manner. 

I now have late fees imposed by them, am being reported late by them while the State sent them funds to bring me current weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 


XXXX XXXX XXXX XX/XX/202XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2021 XXXX XXXXXXXX XXXX  My debit card was used at atms and lots of subscriptions Im not subscribe to. I didnt authorized any of the transaction totally XXXX. Some transactions was done while I was out that area of it my card was on me how can that be if my card is with me how can I use it at atm if im not at atm Im home I filed a police report I wrote a statement I tried to reach out to Bank of America about it bout its difficult to resolve this