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

I recently received a copy of my trans union credit report and there was a number of inquiries that I did not recognize or authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XX/XX/17
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these creditors have violated my rights under 15 USC 1681 section 604, states I have the right to privacy ( 15 USC 1681 ( section 604 section 2 also states a consumer agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I am requesting all late payment reportings to be removed
Product: Credit card or prepaid card

I am a merchant who offers services to customers and accepts Discover credit cards. I had a customer get full service any pay through Discover credit card. The customer filed a dispute charge back with Discover on XX/XX/XXXX. 9 month after the service date XX/XX/XXXX. claiming that no service was provided. We submitted documentation confirming that the service was actually done for the customer with consent and signature. Discover decided to give 3 days and sent a letter in the mail requesting the actual machine receipt. letter date was XXXX and information was needed by XXXX. Which I do have with customer signature. when we received the letter, it was already passed that date. Discover gave the customer 9 month to file a dispute and only 3 days for the Merchant to respond. I contacted the Merchant service and the bank who filed a claim on my behalf but were unsuccessful since it was done through a third party. I contacted discover but they refuse to help claiming I am not their customer. This will impact future customers if this does not get resolved since I am not able to accept discover anymore. this was stated to discover online chat and I asked numerous time for their customer service contact info other than phone or chat but I could not get through to anyone. This is the reason behind this complaint so these credit cards are being held to a higher standard than this. Merchant services processor excuse was we follow Discover guidelines and we pass it to you and we have nothing to do with these deadlines. Discover will bounce me back to Merchant services processor and refuses to talk to me.
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 {$3200.00}, {$1000.00}, {$12000.00}, {$5600.00}, {$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. 
-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 


-- CLOSED ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


] -- OTHER ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

XXXX XXXX has been constantly calling me even after i told them last year to stop calling me. I have also disputed the alleged debts via certified mail and with the credit bureaus. The company did not provide any account information. All they provided was a computer printout stating that The account has been Sold to XXXX XXXX XXXX They did not provide any contract or any account statements as they are Ordered and Required to do Pursuant to the CFPB Consent Order from XX/XX/2015. Midland continues to collect on debts that they can not provide proof of and harass consumers when told i was busy at work and not to call. This is my final attempt to resolve this issue before getting a consumer protection attorney involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON ACCOUNT WITH CAPITAL ONE BANK USA NA WAS AGREED THAT IF PAID IN FULL SETTLEMENT AMOUNT THAT THE ACCOUNT WILL BE DELETED FROM MY CREDIT REPORT THE SECOND ACCOUNT WAS DELETED AS PROMISE BUT THE OTHER WITH XXXX INSIDE OF ACCOUNT NUMBER CONTINUE TO REMAIN ON MY REPORT AS A NEGATIVE ITEM WHEN ACCOUNT HAS BEEN SETTLE EVERYTIME I TRY WITH THE CREDIT BUREAS THEY JUST SAY THE ACCOUNT HAS BEEN CLOSED BUT I NEED IT DELETED DUE TO IT CONTINUE TO NOT ALLOW ME TO HAVE POSITIVE CREDIT HISTORY. PLEASE DELETE FROM ALL CREDIT PROFILES.
Product: Credit card

LVNV Funding LLC purchased a charge off account from XXXX in XXXX. The original balance was {$11000.00}. This account was never in litigation and I have never been contacted by this company. The current reporting of the account is {$22000.00}, which has doubled since XXXX. I believe the company working the account to be compounding interest/fees incorrectly/illegally. I am trying to settle on the original amount of {$11000.00}. I understand due to the age of the account, legally the company can no longer enforce payment, however I would like to settle to remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I used XXXX, XXXX PayPal company to send money to my contact " XXXX XXXX '' in XXXX. 

XXXX is saved as a " XXXX '' in the XXXX XXXX  and I usually select the contact and use the " swipe to send '' option. 

I have successfully transferred money to XXXX in the past through this option. 

However for transaction XXXX, I used the same option, but the money never reached XXXX. 

I reached out to XXXX multiple times ( at least 7 times on the phone- each time the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I need to call back ) and it never got resolved. 

I wrote to XXXX customer service and they responded saying " We are reaching out to you in relation to transaction XXXX in which you entered an incorrect bank account number. We contacted our partner to request cancellation of the transaction, but they were not able to cancel it or recover the funds. '' I did not use an incorrect account number. I just used the account number which was stored in XXXX for my contact. So, this transfer going to an incorrect account, is a problem with XXXX system.
Product: Checking or savings account

Someone opened an account in my name ( stole identity ) and opened account with Bank of America. 
This was on or about XX/XX/22. 
I contacted Bank of America fraud protection soon after. 
They filed a fraud report and sent me an affidavit electronically. I filled and returned it within 2 days via us mail. 
I continue to receive account statements over one month later. 
The statements show someone named XXXX XXXX took one dollar out. on XX/XX/22. 
They show 2 XXXX transfers in both on XX/XX/22. 
XXXX XXXX conf # XXXX, name of XXXX XXXX. 
XXXX XXXX conf # XXXX, name of XXXX XXXX. 
I'm waiting for the process to complete but I continue to get emails and bank statements from Bank of America. I sent in the required affidavits 2-3 weeks ago ( XX/XX/XXXX ) but they continue to say they have not received saying that 'the mail may be slow ' etc...
Product: Credit reporting or other personal consumer reports

This morning, I discovered erroneous accounts on my credit report and I'm clueless about their origin. I routinely check my credit report, but this time I found unexpected discrepancies. I even refreshed my browser to rule out a glitch, but the errors remained. Due to this issue, I'm requesting a thorough review of the documents I've submitted to ensure this problem is permanently resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  and XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

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

I reached out to the company to check the status of the account. Due to the account reading differently on all credit reports. Stating that it is a charge off/profit loss/write off/ sold to collection agency. The representative told me that the account was still with them and tried to receive payment. From my understanding if the account was written off/profit loss. The debt had been paid in full to them and that i would now owe the collection agency XXXX whom they sold the debt to on XX/XX/2018. During this time RAC reported to the credit bureaus that I owed them XXXX XXXX.Even though they no longer held the contract. While going over my contract i noticed that no where in the contract i gave them permission to share my information with a third party. It states that all collection activity would be from RAC. This is a breach of contract. Also if the account is still with them it should be listed as closed with a balance. Not as a charge off/ write off/sold to collection ; along with a balance. This violates my FCRA for inaccurate reporting. Also the company violated my cease and desist request by contacting me through the mail along with XXXX contacting me through the mail, when told not to during a previous CFPB complaint. This is also a violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a call from Regional Finance on XX/XX/2023 stating that I had cashed a pre-approved check from them on XX/XX/2023. I told them that I have never cashed any check from them or even heard of their company. They told me that the check could have been cashed by someone else and that they would file a complaint with their fraud department so that this wouldnt affect my credit score. I havent gotten any updates from them and have also filed a complaint with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account opened in XXXX was wrongfully disconnected multiple times in XXXX after some incorrect billing after a transfer. XXXX failed to reconnect my service in a timely manner after the last reconnection. I fully paid fees that were attributed to services that I used ; however, for every wrongfully termination of service, XXXX continue to add fees and credit some fees back to my account. They added over {$300.00} in fees for 'early termination ' of a contract that I never requested to be terminated. I attempted on numerous occasions to reactive service and finally went to FCC. Upon filing an FCC complaint, the representative from XXXX, named XXXX XXXX, admitted that XXXX would never resolve the issue because they would have to admit to FCC that they were wrong. Before this conversation, nearly two years after the wrongful termination of services, XXXX never sought collection of funds. Shortly after the FCC complaints were filed, XXXX aggressively sought to collect money from me for " early termination of services '' using a company called XXXX XXXX despite their knowledge that I never sought to terminate services. After receiving a letter from XXXX  XXXX in XXXX of XXXX, I sent a certified letter within 30 days disputing the charge and asking for an investigation. The company failed to provide with me an update. Another collections company, I C System Inc, improperly filed with credit bureau saying that I owe them {$370.00} without providing notices or results of investigation beforehand. This improper and careless act wrongfully lowered my score. In addition, these fees were not accrued by me. XXXX terminated services and refused to provide me their services. I have email proof of their initial removal of the fee and they once again added the same fees. 

XX/XX/XXXX - XX/XX/XXXX - wrong billing and multiple wrongfully termination of services that were paid for. 

XX/XX/XXXX - FCC complaint filed against XXXX XXXX FCC compliant filed again, pursuant failure of XXXX to address the primary complaint and provide me with a copy of their response to FCC regarding my complaint XX/XX/XXXX - Dispute letter was sent via certified mail to XXXX   XXXX, who persistently harassed me via phone for 2 months before sending ( 1 ) letter in XX/XX/XXXX to inform me of their intention to pursue collections. 

XX/XX/XXXX - I C System Inc files collection on my credit report without ever sending me any communication nor opportunity to dispute that I've received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I had a secured credit card with USAA Federal Savings Bank. There was fraud on the account, which resulted in a new card issuance. USAA charged back too many accounts, which resulted in a disagreement as to debts owed. My secured limit was {$1400.00}, I closed the account and was told I owed {$850.00} dollars. I disputed it several times to no avail. 

In XXXX, I received a XXXX ( Cancellation of Debt ) from USAA for this {$850.00} dollars. USAA reported to the credit bureaus that the {$850.00} was a charge off- in XXXX. 

On my XXXX tax return, I added the XXXX to it, and of course it acted as income, for which I had to pay taxes on. 

In XXXX, XXXX, I disputed this transaction with all XXXX Credit Bureaus, I also submitted a copy of the XXXX, as proof to show that this was no-longer a Charge Off, and that in fact this is basically a Charge Back. USAA credit card department is upholding this as a current debt. 

I tried calling and speaking with USAA, but none of the associates, even their supervisors understand how a XXXX works and believe that the debt is still owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has told me that my dispute was complete and the late payments for XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 was removed from my credit report after completion of a dispute. My credit report had not been updated & I called back and they verified that it was still showing after I was told it was not. They told me someone would all me back within 24 hours and it has been over a week since then. There is a lack of proper communication, no one is able to help, and the customer service has been aweful!
Product: Debt collection

Exeter Finance is reporting to my credit company that I owe a debt to them that was paid off with insurance and XXXX claims. This is from XX/XX/2017.
Product: Credit reporting or other personal consumer reports

The purpose of this request is to have unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there is unauthorized inquiry listed. The unauthorized inquiry is listed below. 
XXXX XXXX XXXX
Product: Debt collection

CMRE XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX According to the Texas Secretary of State Debt Collector Search site, this company has no active bonding company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a significant number of hard inquires on my credit report.

I do not recognize nor authorize these. I have written to the credit bureaus but have not heard back yet.

I demand all hard inquiries by someone attempting to make me a victim of identity theft remove ALL the hard credit inquiries as well as any address other than XXXX XXXX XXXX, XXXX XXXX, Sc XXXX. Some have XXXX but h

ave not removed it despite my request. One company even sent me a letter stating they had researched these credit places - which should all have a freeze on them!!! I have letters from all gf them that the credit line is frozen!!!
Product: Checking or savings account

Dear CFPB, This complaint is in regards to the practices by Bank of the West, namely in failing to timely respond to customer requests to file dispute of charges under Regulation E, their subsequent retaliation and closure of the account, lack of timely notification of such adverse actions, and now holding funds from the Small Business Administration with no clear timeline or roadmap to obtaining it from them.

The timeline of the issue and sequence of events below is generalized : XX/XX/XXXX I Make funds transfer inquiry about unauthorized withdrawals of account funds via XXXX XX/XX/XXXX BotW responds finally outside their stated 24-48 hour timeframe, ask for the amounts and dates in dispute. 
XX/XX/XXXX I respond with the dates and amounts of unauthorized transactions. 
XX/XX/XXXX I follow-up once again. 
XX/XX/XXXX I follow-up once again, clearly flustered. 
XX/XX/XXXX Follow-up once again, also notice that my account says I have no eligible account on file when I login. Receive automated e-mail that disputes were filed and are being investigated. 
XX/XX/XXXX Customer care responds with some pre-baked excuse about long delays and tell me to call a number which I attempt but it goes nowhere. I respond angrily that after this delay their response was unacceptable. 
XX/XX/XXXX A debit transaction of {$0.00} is conducted in branch without my permission. 
XX/XX/XXXX I read a message to call my local branch which I do, I speak to XXXX and she says she will get back to me. 
XX/XX/XXXX PPP Loan arrived at the account and was processing ( mind you, I applied a month ago and it just finally arrived, BotW closing my account was a coincidence, and for sole proprietors it doesn't matter what bank account the funds go to since it's to pay for salary ). I call once again, reach XXXX, who tells me she will have her manager XXXX reach out to me. 
XXXX PPP Loan was already current/on balance. XXXX does not reach out. I call, speak to XXXX, who investigates. 
XX/XX/XXXX Unable to login/ recovering password doesn't work. Receive e-mail from XXXX that compliance closed the account for " business activity. '' In summary, BotW had an unreasonable delay to initiate Reg E covered disputes on my account, and the day on which they filed for the dispute, they closed my account, and later would cash out my funds without any sort of correspondence. I am still uncertain whether the dispute is ongoing and will be resolved, and if so what recourse I have whether it is in my favor or not, and how to follow-up. The timing of events looks like retaliation or some sort of action to avoid Reg E rules which might cost the bank funds. The additional run around, with nobody knowing anything, and not contacting me about these actions is egregious, stressed me greatly, took much time out of my day, and now my funds that are essential for my business are trapped with nobody doing anything to help me obtain them.
Product: Debt collection

I have send this people proof that i have never lived where they said i got a bill also i have told them i had an identity theft and they still do n't get it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED XXXX XXXX XXXX XXXX to remove 2 Hard Inquiries i had contacted XXXX Creditor how has Run my Credit with Unauthorized and after contacted and sent proof from creditor, no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry XXXX/XXXX Inquiry from XX/XX/2018 XXXX Inquiry from XX/XX/2018 2018
Product: Mortgage

On XX/XX/XXXX I received a letter via mail, from my loan servicer ( XXXX XXXX  Servicing ) that my loan was being transferred to Shellpoint, and would be effective as of XX/XX/XXXX. Prior to this notification XXXX Servicing and myself had already completed a loan modification after the forbearance had ended and this was effective as of XX/XX/XXXX On XX/XX/XXXX I received documents from Shellpoint alleging that my loan was XXXX  days delinquent and XXXX was due. It appears that Shellpoint is attempting to disregard my contractual agreement with XXXX XXXX. I am requesting that Shellpoint validate these allegations with all documents that I am XXXX delinquent which includes the payment history to collaborate the allegations that I am XXXX behind on this mortgage. Furthermore, I would for Shellpoint to clarify where my payments on this loan are being held because their claim is that it is in XXXX or more suspense account ( XXXX ) I would also like a payoff letter stating the amount that is owed at the present time on my mortgage regarding my property. 

CARES act rules state that mortgages in forbearance should not be reported as having late or missed payments. And the forbearance plan should not harm your credit score. Therefore I am requesting that Shellpoint refrain from reporting any negative issue regarding this loan from being reported to any credit bureau until these errors of resolution are resolved.