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

received a BUSINESS CREDIT CARD from XXXX XXXX ( account # XXXX ) card is used for corporate expenses only!!! equifax has put this on my CONSUMER REPORT ( this is not about any delinquent payments or anything negative ) it just doesnt belong on my CONSUMER REPORT!! this has dropped my credit score substantially!! it belongs on my business 's credit report not my personal report!! XXXX has already deleted this from my report - equifax should do the same!! 

this card was obtained through my corporation!!!
Product: Debt collection

I'm in the process of repairing my credit and I noticed a company by the name of XXXX XXXX is reporting two negative items on my credit report which keeps dragging down my score. I have no idea who these people are and I've never done any business with them or signed any type of paper work with them. 

The 1st amount is for {$350.00} and the 2nd amount is {$370.00}. I have worked hard and paid a lot of money to improve my score and profile only to have this company keep reporting it causing my score to drop from XXXX to currently XXXX. 

Please advise Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   client  XXXX   XXXX  is an identity theft victim ; his information was used without his consent to apply for several credit accounts. These application created fraudulent inquires on his credit reports, the creditors were notified of this activity via a formal dispute as outlined under the FCRA. After disputing an inquiry twice with  Capital One the inquiries are still being reported to the credit reports.
Product: Credit card or prepaid card

I went to use my Coinbase debit card last night around XXXX XXXX and the card was declined. I knew that I had sufficient funds available on the card so I checked the app and was greeted with the message " Your Card is temporarily suspended after detecting some suspicious activity. '' I attempted to contact Coinbase XXXX  @ XXXX but the automated system never allows me to speak to an agent. Once I type in my information it disconnects me. I've sent messages on XXXX as well as emails trying to get this resolved. There has been no suspicious activity on my card and I really need access to it again but haven't received any type of response from the company, which is unacceptable. The card is issued by XXXX.
Product: Credit card

On XX/XX/2024, I logged on to my account with Prosper Card. I made a change to my auto pay status. I switched it from paying minimum to paying the full statement balance. My payment date was XX/XX/2024. On XX/XX/XXXX I logged on again and saw that the change was not made and only the minimum o {$35.00} was paid. I immediately paid the statement balance of {$1000.00}. The end of the billing cycle was XX/XX/XXXX. When I received the statement for XXXX I was charged {$24.00} interest. I called Prosper to complain and spoke with a regular representative and a supervisor named XXXX. I explained that it was their error in the auto payment as I requested the change XXXX days prior to the due date. I explained that online it only says that changes can not be made within XXXX sats of the payment day. I should not have any interest charged because I requested the statement balance to be paid in full, and after I realized their error I paid the balance XXXX days later, still XXXX day before the end of the billing cycle. I was told that changed to auto pay take XXXX months to go into effect. I asked for that in writing and did not receive it. I only received a generic email stating that the interest charge was correct.
Product: Checking or savings account

Re : The Bank Company Delaying a Fund Transaction. 

-- PROBLEM BANK - UNION BANK. 

-- The Complainant Sent a Small Amount ( College Tuition ) to the Union Bank, from the Complaint 's External Bank Account, XX/XX/2020, However, The Bank Company, Delaying the Transaction. 

REMITTANCE REF XXXX TO XXXX XXXX XXXX USD Kindly Advise the Bank Company XXXX to Review the Process, Conduct the Fund Transaction, At Its Earliest Convenience Please ... 


-- Thank You Very Much, We Appreciate Your Business. 

-- XXXX ( SS # : XXXX. ) XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX.
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. 

XXXXXXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX : XXXX XXXX, XXXX/XXXX  : # XXXX, XXXX XXXX : # XXXX, 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 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.

The credit bureau used my information the wrong way, i contacted the companies with no response.
Product: Credit reporting or other personal consumer reports

Experian has caused me jobs, mortgage loan and bank accounts. When creditors pull my file it shows XXXX ( XXXX ) like I have my credit locked or frozen. XXXX XXXX Phone number XXXX ( Experian Consumer Affairs Department ) called me said him and supervisor & manager XXXX XXXX ( Experian Consumer Affairs Department ) decided to kick me out the Experian system.They will no longer handle my credit file. I found out that was a lie through numerous of Rep in that same department. A Rep in that department told me in that the department that they cant kick you out EXPERIAN. I spoke to another Rep and he told me XXXX XXXX let his power and ego get in way because he have the manager and his friend XXXX XXXX to back him up for all the low down and dirty stuff he do with people credit file once people challenge him about their credit report. He ( XXXX XXXX ) told me 3-4 years he going to teach me a lesson.He talk me a major lesson by playing with my career and livelihood. 
. I tried to contact the new Supervisor XXXX XXXX from XX/XX/2023 to XX/XX/2023. I have left messages twice a week for 9 months and no return calls from XXXX XXXX ( Experian Consumer Affairs Department ). I found out from another REP in that department that they got on file that Im a victim of the 911 DISASTER. I never been a victim of 911 DISASTER or my family. Experian and these employees have affected my livelihood and my profession career. They let their ego affect their job and its not fair to me and other people thats having the same problem.I Know Im not the only one. Somebody need to fix this problem before it come public and cost the company EXPERIAN millions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. The Credit Bureaus are reporting inaccurate information on CAVALRY PORT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( CAVALRY PORT XXXX )
Product: Mortgage

Currently the sell of my home is waiting to close but the process is unable to be completed due to Carrington mortgage ( my mortgage holder ) says they are not licensed to originate loans on XXXX where my property is located. Carrington has been asked by myself and XXXX XXXX ( XXXX XXXX of XXXX XXXX  XXXX how we can move forward with having the VA Assumption completed and they have failed to give any path forward. XXXX XXXX had email correspondence with XXXX XXXX ( CEO & Founder ) of Carrington Mortgage and received no helpful information. My mortgage originally was through XXXX XXXX and was bought out by Carrington Mortgage and now I am unable to utilize the VA Loan Assumption process that is entitled to me as an XXXX XXXX member of the military. this stonewall response from Carrington Mortgage is currently costing me thousands of dollars a month paying for a property i no longer live in due to XXXX and every month the sell is not closed is costing the buyers approximately {$1000.00} due to increased out of pocket cost when the assumption goes through. this issue has been ongoing since XXXX of this year and no path forward has been found.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft where all or part of my personal identifying information has been used to establish credit without my knowledge. I have identified several fraudulent accounts on my credit reports and have since frozen the reports, added fraud alerts and filed disputes. 

However, I am having difficulty in dealing with XXXX and Equifax blocking the fraudulent accounts from my report. Every time I contact them and provide the information necessary they just place the accounts back into dispute status and later claim they verified the account is correct. Both XXXX XXXX and XXXX have removed the accounts. 

However, I have been in touch with the creditors and forwarded them copies of my identity theft reports and identifying information and was assured the accounts would be removed from my report. I don't know what to do at this point as I am being stonewalled by these companies that continue to maintain fraudulent accounts as if they were mine. 

I am reaching out to the CFPB for assistance in getting this resolved. 

The accounts are : XXXX ending in XXXX XXXX  ending in XXXX XXXX  ( XXXX XXXX  ) ending in XXXX Also some of these accounts have addresses that aren't mine : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Attached documentation from creditors as well as ID Theft Report and personal Identification are attached.
Product: Credit reporting or other personal consumer reports

I was alerted by my credit card with XXXX Bank that my XXXX XXXX dropped XXXX points. When I checked to see why, I noticed that XXXX different banks conducted credit checks on me, none of which I requested. They were all conducted on XX/XX/XXXX. I tried to contact XXXX  XXXX XXXX several times and was told by an automated recording that " due to extenuating circumstances we are unable to help you right now. '' I spoke to someone at Capital One and they were unable to help me because I don't have an account with them ( that is part of the problem, why are they running a credit check on me if I don't have an account with them ). At that point I stopped trying to call banks because none of them would help me. I froze my credit on all three credit bureaus and asked for a fraud alert to be put on my account for a year. I need these fraudulent inquiries removed from my report so my credit score can go back up. I used to have excellent credit. 

To summarize, on XX/XX/XXXX, the following banks conducted unauthorized credit checks that were not requested by me : XXXX. " XXXX of XXXX '' XXXX. " XXXX XXXX XXXX  '' XXXX. " XXXX XXXX XXXX '' XXXX. " XXXX XXXX '' XXXX. " XXXX XXXX  XXXX '' XXXX. " XXXX XXXX '' They all have a removal date of XX/XX/XXXX. 

Lastly, my personal information was compromised in a data breach from my employer this past spring. Yesterday I received a letter from XXXX XXXX  ( a company with which I have a credit card ) stating that they declined an application from me because they are concerned that someone is using my information fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 : I sent completed and returned the requested form to USAA about my auto loan not reporting on any of my credit reports. I also sent notifications to XXXX, XXXX and XXXX showing that there is an error in reporting on my credit report and provided them with proof from USAA that I had an auto loan through USAA and it was paid in full but my credit report does not reflect that that account ever existed. This has caused me undue financial hardship in obtaining a vehicle loan because of this lack of accountability for all XXXX  credit bureaus and USAA who claims that it is the responsibility of the credit bureaus to report correct information. USAA provided me with my loan number and account statement so they have record of the auto loan and it did appear on my credit for a short time, but now it is gone and has negatively impacted my XXXX XXXX and caused me to be charged unaffordable interests rates on a new auto loan. None of the credit bureaus replied within the XXXXXXXX XXXX requirement with an answer or solution to my problem, and USAA claims it is out of their hands.
Product: Checking or savings account

I filed a fraud claim on several charges on XX/XX/XXXX. From XX/XX/XXXX-XX/XX/XXXX I called and emailed numerous times daily to either speak to someone in the fraud department or to have someone call me back in regards to my claim. I was consistently denied access to the department, being told different things in regards to my claim. I also asked to have a password added to my account so no one would be able to access it. I was told the paperwork would be overnighted and I would receive it by the XXXX of XXXX. It was sent standard ground mail and I did not receive it until XX/XX/XXXX. Finally, I was told that the manager of the fraud department would be calling me back in an hour on XX/XX/XXXX at XXXX XXXX, CST. However, I did not receive a call until XXXX XXXX, CST. The manager XXXX XXXX had a horrible attitude, laughing as I explained the situation and implying that I was lying about the fraud. I explained that I already filed a police report with the Police Department and I already emailed it. She stated that they had never received an email from me, I explained I have every email chain including responses from people in her organization. She then stated that I had to complete an affidavit and have it notarized, mailing it back. I explained if that was the case I wanted the paperwork sent overnight to my address and I would do as asked. It is now XXXX XXXX, CST on the XX/XX/XXXX. I took an entire day off of work to be here when the paperwork came and it has not. In fact, nothing was sent. I spoke to the fraud analyst today, XXXX XXXX and sent her a copy of the police report that I have been given and for whatever reason she has insisted that it is not the correct report and that I have to send another report. I explained to her that the report I sent is the report I got directly from the headquarters of the Police Department and there was nothing additional I could do. It has literally been one thing after another dealing with Pentatgon Federal. From being called a liar, to having people give me illegitimate information in hopes of scaring me from reporting the fraud. It is my understanding that the bank has 10 business days to issue credit on my account, it has now been more than that and I have not been issued any credit. Instead, I have been given nasty attitudes, unprofessional feedback and information and no solution. I've been lied to numerous times about paperwork being sent to me and passwords being added to my account. I filed a claim on a {$270.00} charge previously that was never actually filed and until the XX/XX/XXXX no one was assigned to this claim, which is exactly what I wanted to avoid and why I continued to ask to speak to someone in the fraud department. It is also my understanding that the bank is to fight for me, not the other way around. It is absolutely unacceptable for any organization to carry themselves in the manner in which Pentagon Federal Credit Union has and against the law in regards to how they process fraud claims. For all I know, someone within their organization is omitting the fraud on my account.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
Account opened XX/XX/2022 for {$4200.00}. 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, credit repair services, or other personal consumer reports

I have XXXX XXXX XXXX XXXX on my credit report. I have disputed these accounts. I have reached out the the company multiple times asking for the original purchase agreement and never received. Therefore this information is unverified & inaccurate and needs to be deleted from my report ASAP.
Product: Debt collection

XXXX issued me XXXX with a {$12000.00} limit. I lost my job in XXXX and had trouble making payments. In XXXX XXXX, I entered in to a payment plan to pay $ XXXX/month. On my credit report XXXX reported I owed {$12000.00} and paid $ XXXX/month. XXXX debt collector, XXXX XXXX and Protas, Spivok & Collins XXXX LLC reported I owed {$15000.00} and could not be found for payment. Therefore, XXXX 's collection company sought to collect for the same debt simultaneously and for more money. 
In XXXX XXXX, XXXX XXXX, the attorney for XXXX, filed for judgment when a payment was received by his law firm a few days late. The judgment increased my debt from {$12000.00} to {$17000.00}! I NEVER received a summons. I was not present in court to defend myself. I wrote after the fact to inform the court and my protest fell on deaf ears. 
To date, I have paid XXXX {$10000.00} for the XXXX. I learned today that a legal hold/garnishment was placed on my XXXX bank account for {$15000.00}! I have paid {$10000.00} and now XXXX seeks an additional {$15000.00}. When I asked Protas, Spivok & Collins XXXX LLC why they requested {$15000.00}, they told me to file suit in XXXX XXXX Court. I have fulfilled my obligation and paid {$200.00} for XXXX XXXX. I am paying my debt, yet being punished. I had approximately {$1500.00} in my account and my paycheck for {$2200.00} will be direct deposited on XXXX XXXX, XXXX. XXXX will receive over {$12000.00}, which was the maximum card limit. It is unconscionable that I am being forced to pay an additional {$15000.00}. XXXX sought garnishment for more than twice the amount I owe.
Product: Credit card

My Citi XXXX credit card promises 1 % cash back on all purchases, plus an extra 1 % on payments. In my statement month ending XXXX/XXXX/16, I made {$3100.00} worth of purchases ( after deducting all merchant refunds ), and paid a total of {$3600.00}. This should come out to ( within {$0.00} of ) {$67.00} in cash back, but I was only given {$65.00}. After going back and forth with Citi customer service, they claim that there is a " purchase tracker '' that limits the cash back I earn on payments made. This is in direct conflict with the " unlimited '' cash back that Citi advertises with the credit card. Citi stated : " Your Purchase Tracker is calculated by taking the previous purchase tracker value, adding your new purchases ( minus merchant returns ) and subtracting your eligible payment ( s ) each billing period. '' I believe the problem arose from XXXX separate merchant refunds I received towards the end of this billing period. In an unrelated incident, there were fraudulent charges on my card which resulted in a new account number being issued. As a result, I was unable to use this credit card for roughly a week. Just after reporting the fraud, I paid off my entire balance excluding the fraudulent charges ( which were credited ). Based on Citi 's explanation of their " purchase tracker, '' this entire payment should have been eligible for cash back. Several days later, I received XXXX separate merchant refunds. Since I had been unable to use this account in the days leading up to this, it resulted in a negative balance. Once my statement was generated, Citi based my so-called " purchase tracker '' amount on the closing date of the statement. In other words, my payment was eligible for cash back at the time it was made, but not a week ( or so ) later, so I was not given the full amount of cash back. In our many online messages, Citi insisted that the correct amount was credited as cash back, but when I asked if the remaining {$2.00} would be added to my cash back on my XXXX statement, the response I got was regarding an EFT or physical check for the amount of the negative balance. I never asked about an EFT or check, as I already made enough new purchases on the card to account for the negative balance. My question was completely ignored. I want Citi to address my concerns and credit {$2.00} to my cash back balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT THE FCRA VIOLATION XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX BREACHED
Product: Credit card or prepaid card

I reached out to capital one regard a dispute for a charge to a merchant where services were not performed as described. I jumped through their hoops and provided all the details need and requested. Specifically they asked for an invoice I advised them that the service is not typical you would get an invoice for example for you a barber hair stylist or nail salon. Youre not given they said based on that information. I was given the task of also locating a stylist in the same area of work and getting a second opinion on company letterhead. I tracked down a stylist willing to create a letterhead for the whole purpose of assisting me with this issue. I have explained to them over and over for the service and experience its not a typical transaction and that I things arent as black and white and I cant produce an invoice. Ive been advised to contact the merchant and request an invoice. However Ive explained that the merchant has blocked me from communicating with them and has hung up on attempted calls etc. Im being advised to produce all this documentation and prove all these things when Im working with limited abilities as the charge is from an unprofessional merchant who doesnt cooperate and has blocked my ability to communicate. Capitalone has made this experience extremely difficult to deal with and has hid behind guidelines and rules when it seems that Ive done everything to prove to them the charge should in fact be disputed. I found out later on the stylist is not licensed and doesnt have business licenses or permits to even be operating the business.