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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXXDate of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020 XXXX XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020
Product: Credit card or prepaid card

I have tried for several months to get an issue resolved of a {$400.00} charge and a {$250.00} charge since XX/XX/2020 and the credit card company won't issue me a refund because they state it's over the allotted time but I have been in contact with HSBC regarding this matter multiple times and still nothing I am not paying for something I believe I should of never been charged in the 1st place from XXXX XXXX till the problems I was having were fixed properly then they could have charged me for a XXXXXXXX XXXX XXXX on my car. I refuse to pay this amount of money {$650.00} I think HSBC should have to eat this amount with all the running around I have gotten over the last several months.
Product: Debt collection

I have received a " Monthly Loan Statement '' from Clear Spring Loan Services each month for several months stating I have an outstanding principle balance of {$70000.00}. This supposed debt/loan is not identified in any way and is addressed with an incorrect middle initial. I have absolutely no outstanding debts that are not current and that I am not fully aware of. Therefore, this loan either belongs to someone else, is a fraud/scam, or is an attempt to collect a debt that has been paid/discharge. 

Despite the fact that I expressed this to Clear Spring in writing one month ago, I just received another Loan Statement dated XX/XX/2017 and have received absolutely no response to my concerns. I would like this practice to stop immediately.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX -- IDENTITY THEFT XXXX XXXXXXXX XXXX XXXXXXXX -- IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XX/XX/2022 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was sent a paypal - mastercard debit card & i didnt ask for it - i admit i was on one of the survey websites trying to make an extra dollar & thru cookies or whatever thats how it got mailed but when i decided to activate the card it was weeks later before i decided to use it & i was " declined '' every store - i have been thru at least 6 ph # s & every girl sounds the same but has a different name the 2 men i talked to sounded the same. The card is active on paypal but not " registered '' on mastercard prepaid. Ive tried everyway to register & i get sent from 1 website back to the other, from 1 ph # back to the other. Ive had calls cut off with good connection, been bounced from 1 site to another & today i ask why the XXXX XXXX was deducted it got worse. Im hard up for $ right now thats why i only put XXXX XXXX on the card- to check them out- & XXXX  if i didnt get XXXX  out of XXXX XXXX before i even got to use the card 1 time. No matter if its paypal or mastercard/XXXX  they say the card is active but its not & this is the gods honest truth
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX last XXXX of account number is XXXX. This report has so much incorrect information on it. The high credit is XXXX on XXXX and XXXX on the other XXXX. The date last active is different on all three bureaus. XXXX shows XXXX, XXXX shows XXXX and Equifax shows XXXX. The date of last payment is XXXX on Equifax and XXXX.
Product: Checking or savings account

I made a cash deposit of {$5000.00} into my Bank of America Checking account using the Bank of America ATM on XXXX located at XXXX XXXX, XXXX XXXX NJ. 
After the money was counted the ATM printed a notice saying an error occurred and only {$1800.00} was deposited and to call the Electronic Claims Dept. to file a claim after calling the number they said I will get a credit in 2 business days and now after 2 days they are saying it will take 45 business days that is 2 months from now to receive a credit while they investigate the issue. And then again they don't think that I will be credited while this I have other payments to make using that money which are dependent on that deposit they are not willing to pay up my fees and other charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an inaccurate fraudulent account from XXXX XXXX for the amount of {$1400.00} on all three of my credit bureaus. It is for a XXXX XXXX credit card that did get behind on payments but it was caught up and paid in full. I made my first dispute XXXX and it was removed from all credit bureaus but TransUnion. TransUnion will remove it and my credit score goes up but they will attach it back again after a couple weeks causing my credit to fall XXXX to XXXX points at a time and it shows as a delinquent account. Please have this fraudulent predatory account from XXXX XXXX removed from TransUnion. They did put a note attached to my account showing dispute settled customer disagrees. I would like it removed entirely from TransUnion like the other credit bureaus done so it does not show as a delinquent account anymore. This account was paid in full years ago, thank you for any help on this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an inaccurate report on my Equifax credit file for an XXXX credit card account ( Account Number : XXXX ). This account was closed but was never charged off. Equifax incorrectly updated my report to reflect a " Charge-Off '' status with derogatory information, including late payments and a negative impact on my credit score. I recently disputed this information, and Equifax responded with Investigation Report XXXX XXXX, which upheld the " Charge-Off '' status without a thorough review.

I believe Equifax failed to conduct a proper investigation. There are several discrepancies in the report, including : Incorrect Charge-Off Status : This account was only closed, not charged off, so the charge-off status is inaccurate.

Available Credit Listed on a Charged-Off Account : Equifax reports {$23.00} in available credit, which is unusual for a charged-off account and suggests that the charge-off status is erroneous. 
Inconsistent Dates : The report shows the " Date of Last Activity '' as XX/XX/year> and " Date of First Delinquency '' as XX/XX/year>, which is inconsistent and illogical. 
Generic Investigation Response : Equifax mentioned additional information from the original source without providing any specifics or documentation, indicating that they may not have verified the accuracy of the charge-off status.

I am requesting that Equifax remove the " Charge-Off '' status, correct the account to " Closed, '' and ensure that no derogatory information is associated with this account. Additionally, I request a full method of verification per FCRA 611 ( a ) ( 7 ) to understand how this inaccurate information was verified. This inaccurate reporting is unfairly impacting my credit score and does not reflect the true status of the account.
Product: Credit card or prepaid card

Hello Sir / Madam, I have a XXXX ( XXXX ) Mastercard credit card supported by XXXX XXXX ( XXXX ) since XX/XX/2015 with a high credit limit. I use XXXX XXXX  / XXXX  online payment to setup payments of the outstanding monthly balance IN-FULL for the XXXX / XXXX XXXX credit card and did not have a single late payment situation. In fact, have used the XXXX / XXXX service for over 10 years with no incidence of late payments with this credit card or any other payments made via the XXXX/XXXX setup. 

Problem : Bogus late fee and financial charges levied for large balances About 4 months ago, besides the smaller transactions, I made a large purchase that bumped up the outstanding balance to over $ 10K. We sent the FULL payment as we always do, but this time, the XXXX XXXX fraudulently failed to credit the payment in a timely manner even after they received it on time. They charged me a late fee and a financial charge. I contested the issue and they agreed to refund the late fees as well as the finance charge. 

Last month, I again made a purchase with the XXXX  / XXXX XXXX   credit card that pushed the outstanding balance to over 10K again. Given the experience of 4 months ago, I scheduled the payment two days prior to the usual date. Lo and behold, I found that the payment was credited late to my account. They fraudulently charged me a late fee ( {$27.00} ) and and a finance charge ( {$150.00} ) for a two day delay. I disputed the late fees and finance charges. I even provided the bank with evidence that the money was sent and payment debited from my bank account 4 days prior to the due date. First off, one agent told me that I should send payments 15 days before the due date. I found that very absurd because I sometimes receive the paper bill less than 15 days before the due date. 

I opened a dispute with them. After having reviewed the evidence I provided, the XXXX XXXX agreed to refund the late fees of {$27.00}. However, they refused to refund the finance charge ( {$150.00} ). I find this charge outrageous since they accepted that I had sent the payment on-time and they even believe me so agreed to refund the late fees. The bank also claimed that this was a second instance of late payment so they can't help me any further. 

Strangely, this late crediting of payment only occurred for large payments and not for any other months. I called XXXX  and received no help from their customer service. They washed their hands off and directed me to the XXXX XXXX customer service. I get the feeling that they are somehow working hand-in glove. Can you please investigate XXXX and XXXX XXXX for illegal and consumer unfriendly practices? 

I wonder if other banks are also doing the same to their customers.
Product: Payday loan, title loan, or personal loan

Self Lender is reporting on my credit as a charge off for a credit card as well as an installment that I was paying into. I got behind on both as a result of the COVID-19 hardship, I explained the situation to Self & they decided to close both accounts as well as keep the money that I paid into the installment loan.
Product: Credit reporting or other personal consumer reports

I received 2 collections on my account from a unknown company I have never did business with showing debt owed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX  XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chap XXXX BK in XXXX and among the creditors listed was TD Bank. This BK was discharged in XXXX XXXX. 

On my credit report for XXXX XXXX this account showed XXXX balance and closed. 

Then in XXXX for some reason TD changed this status to open, and with a XXXX balance. 

By my request, my bankruptcy attorney XXXX XXXX sent a letter to TD Bank ( attached ) asking that they correct the innacuracy. 

To date, TD has not done so.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my consumer credit report I noticed some accounts that I have no knowledge of per section 606b and 15 usc 1681c2 I request the following accounts be blocked and or deleted within four business days Im also a victim of the Equifax data breach Please block and or deleted within four the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXX, I attempted to open two savings accounts and a credit card account with U.S. Bank. I provided my state-issued drivers license as identification. Despite this, U.S. Banks XXXX XXXX Department refused to accept the address on my drivers license or the address for a virtual office leased by my company, both of which should be acceptable under 31 CFR 103.121 ( Customer Identification Program requirements ). 

Since XX/XX/XXXX, I have repeatedly contacted XXXX XXXX, requesting that they accept either of these addresses to complete my applications. Both addresses comply with federal regulations allowing residential or XXXX XXXX addresses for account opening purposes. 

On XX/XX/XXXX, I visited the U.S. Bank branch at XXXX XXXX XXXX, XXXXXX/XX/XXXX with my drivers license and a copy of my virtual office lease in hand, hoping to resolve the issue. Despite presenting these documents, XXXX XXXX again refused to accept either address, offering no further explanation. 

While at the branch, I, along with the branch XXXX and an employee, spoke directly with the XXXX XXXX Department. They were unhelpful, refused to provide clarity, and maintained that neither address was acceptable. This behavior caused further inconvenience, wasted time, and left the applications unresolved. 

My Concerns : - Why are valid, government-issued addressesclearly compliant with 31 CFR 103.121being deemed unacceptable by U.S. Bank? 
- Is U.S. Bank imposing stricter-than-required internal policies inconsistently or arbitrarily? - Why does U.S. Bank fail to provide transparency or meaningful assistance to resolve such issues?
Product: Credit reporting or other personal consumer reports

Ive reached out to this company exercising my rights to opt out of sharing my personal information with XXXX party companies such as XXXX, XXXX and XXXX, to no avail. Im requesting this company to provide documents of my signature giving consent to share my personal information and return it in the responsible
Product: Credit card

For a medical service my wife made an advance payment/booking on XXXX XXXX XX/XX/2014 using my credit card ( since they offered XXXX time yearly discount during that period ). The payment was done via phone. The transaction was not a signed transaction. 
My wife was supposed to receive the service by XXXX but she re-scheduled the appointment to XXXX due to her medical condition. She called that clinic by XXXX and the number did not go through. So she waited for a week more and did not get any response either. When we personally went to the place to our surprise the place was locked and no attendees to address our concern. 
This is a huge amount for us and we did not except the company will not render the service they have paid for. 
Later when we researched on internet and found that the servicing company has filed bankruptcy. 
We raised a dispute with the bank and a temporary credit was provided for the amount. Now after investigation the bank had denied the dispute mentioning no sufficient documentation. 
Kindly let me know what can be done at this stage?
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report and have no idea why. Despite my routine check, discrepancies appeared. Refreshing my browser did not remove them. I request a thorough review of the documents I've sent to resolve this issue and prevent future worries.
Product: Credit reporting

Company failed to due an adequate investigation of my dispute on an entry on my credit report. A company called XXXX XXXX XXXX has two entries on my consumer credit report. When previously disputed it has come back verified. I then requested in writing full verification of debt from the company but these letters went unanswered. I have since found out that this company is no longer in business per the BBB website. In additon this same collection agency recently entered into a consent agreement with CFPB for violations of FCRA laws and was fined. So I am wondering how was this debt verified with a company that is no longer in business???
Product: Checking or savings account

I can not pay or get to my money in my Juno Account which is linked to Evolve Bank & Trust. What can I do? I need to make some purchases, but everything is being declined, even thought the money is in the account.
Product: Credit card or prepaid card

Citizens bank credit card management controls dont exist in the banking application. Your credit card management is only available online at another location and its not made clear anywhere how payments and auto pay are managed. When using Citizens banking application your credit account settings are completely opaque and the only way to make payments is by transfer of funds between accounts. When you use this method no previous payment arrangements are visible and the application will initiate contradictory instructions without a warning, thereby generating fees that should have been avoided.
Product: Student loan

XXXX. MOHELA sent me an invoice due on XX/XX/XXXX, for {$670.00}. 
XXXX. MOHELA withdrew the full invoiced amount of {$670.00} from my bank account on XX/XX/XXXX. 
3. Despite this, I received an email from MOHELA stating that I missed my payment and was delinquent on my loan with past-due payments. No payment was recorded on MOHELAs website.

4. I emailed MOHELA but received no response. I called and waited about two hours to speak to a representative, who assured me the issue would be fixed and that it would not happen again. However, nothing was resolved. 
XXXX. MOHELA sent me another invoice due on XX/XX/XXXX, for {$670.00}. 
XXXX. MOHELA withdrew the full invoiced amount of {$670.00} from my bank account on XX/XX/XXXX. 
XXXX. Once again, MOHELA sent me an email stating that I missed my payment and was delinquent on my loan with past-due payments. No payment was recorded on MOHELAs website. 
XXXX. I contacted MOHELA almost daily via email but received no timely responses, no information on my status and how the errors will be addressed, no help, and no actions. 
XXXX. On XX/XX/XXXX, MOHELA finally recorded both payments but did so incorrectly. It now appears that I am delinquent on two of my four loans, with past-due payments still reflected on my account.

10. Despite my repeated efforts to resolve this issue, MOHELA continues to ignore my concerns. A search reveals that this problemfailing to record paymentsis a common complaint among MOHELA customers. 

This ongoing negligence and lack of accountability from MOHELA are unacceptable and have caused undue financial and emotional stress. I urge your office to investigate MOHELAs practices and hold them accountable for their repeated mishandling of customer accounts.
Product: Credit card or prepaid card

Barclays continues to share my account information with an unauthorized person. I have attempted to contacted Barclays on many occasions by phone and they either never answer or they place me on hold for hours. I have written them and previously filed a complaint with your offices. Nothing seems to work. Please help. My correct phone number is XXXX XXXX XXXX. My correct email address is XXXX. My mailing address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Iowa XXXX XXXX 

Barclays previous wrote me denying my request to change my phone number.
Product: Credit reporting

i have never lived at this address XXXX XXXX XXXX XXXX, OH XXXX and do n't spell my name like this ever : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting this company several times telling them if they can not prove that I owe this debt they need to delete it I also I have contacted all three credit bureaus in writing 2 out of the 3 send me an email stating they can not remove it. this is a violation of the Fair Credit Reporting Act 604 meaning if they can not prove that I owe it I do NOT owe. I also have bank accounts on my credit report I did not open they are not mine they have never been mine there is also an address on my credit report I've never lived at it is not mine I believe someone is using my social security number to open up bank accounts and addresses in my name or my social security number please contact me if you need further assistance or more information I give you permission to contact me thank you so much
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

Jefferson Capital System amount {$2000.00} and {$3200.00}