23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX  credit card is the original creditor and was sold to LVNV FUNDING LLC. Incorrect charges and last fee were made and added to the original account that I disputed with XXXX  XXXX. They never refund/credit the amount unauthorizes chargers made on my account. We were going back and forth until they finally closed the account without my knowledge.
Product: Checking or savings account

On monday XXXX XXXXXXXX XXXX XXXX i send money from my cashapp it supposed to go my XXXX  account because i have insurance bill to pay i keep following instructions but i was surprised cashapp doesnt ask me for wich bank it send it straight send it to my XXXX XXXX it doesnt have the automated payment for my insurance on it at the same time i refunded the same amount to my cashapp so i can figured how to send it to my XXXX Cashapp doesnt give me back the refund that i refunded from my own XXXX with providing the necessary information i showed them from my own app that the money was refunded i was even talking to agent from XXXXl that he confirmed for me that i refunded the money from XXXX i showed them screenshots from inside my app XXXX that its refunded they close the chat on me and he say he take decision and he was mestryous amd i ask him what about my money how all of this its mot enough they keep closing chat on me i came back next day he say for me i will not discuss that with you but its my money im not asking you to give me from your paycheck i have every screenshot for this incident from the refund to me talking to the agent from XXXXl saying its refunded to them telling me i cant help you on that for no reason pleassse i neeed help My cashapp user XXXX XXXX XXXX My XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two years, I have been investigating my credit report and this process has caused severe XXXX upon me as Experian, XXXX, and XXXX Credit reporting continue not to respond toall of my disputes, report inaccurate information on my report, and fails to verify the inaccuracies. Information between the three reporting agencies varies tremendously. XXXX consistently have ignored all of my disputes. I have had my identity comprised several times from my previous employers and even by XXXX. My monitoring of my credit file has unverifiable, invalidated, inaccurate, and questionable items that these agencies were reporting as 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate in my credit report and under 15 US Code 1651e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my rightsprotected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX  XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

Under 15 USC 1681 section 602 A, I have the right to privacy. Under 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information isinaccurate.
Product: Debt collection

I received a voicemail from someone sayin thier name was XXXX on XXXX XXXX at XXXX. He said he was a privately contracted courier and is being dispatched to get my signature on a notice. That i need to provide 2 forms of identification and that at least 1 of them need to be a government issued picture id such as a driver 's license or passport that is required by state law. His call went straight to voicemail because I have blocked them from calling me and have officially told them to cease contacting me. however blocked callers can still get through when they start their call with XXXX or call while I 'm on a call they get through via call waiting. He then went on to tell me that they were going to try to schedule the delivery to be delivered at my place of employment and or my place of residence. He stated that if I have any questions prior to delivery to call XXXX id XXXX unless he hears otherwise he will give me a call the morning of delivery. I called the number he provided and the person who answered the call was the same voice on my voice mail he answered saying he was with the legal department of the XXXX I gave him the id number left on my voicemail he asked if i were XXXX I replied my name is XXXX he then went into saying he was collecting a debt for ACE cash express I stopped him and told him that he nor anyone hired by him or his company are allowed to show up at my place of employment or my residence and reminded him that I have given them instruction to cease contacting me that I do not owe anything to him or anyone he represents
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing a complaint yesterday against equifax for not resolving a dispute that was inaccurately filed .. equifax responded and still said that XXXX XXXX balance was XXXX and its actually XXXX. How do things as important as someones credit get unresolved. Not only were the other disputes not resolved but XXXX XXXX still shows alarms balance.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX5 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card

went online and applied for a BP Credit Card and when I got to the end of the credit card application I received an immediate response stating " In order to complete your application you must call XXXX within XXXX hours to complete your application. '' If we do not hear from you within 7 to 10 days then you will receive a letter from us. I called and it about XXXX Est standard time and a female representative came to the phone and said that my application would have to be done manually so she takes all my information including me disclosing my social, birthdate, address, income and then gets to the very end she comes back and says that she is going to have to transfer me to another department and I asked her what the problem was and she says that she can not disclose that information to me due to the privacy act. So I get transferred and another female rep comes to the phone and says that she can assist me and explains that they are having trouble with their computers, so here we go again and she takes my information XXXX again and I ahve to disclose all my personal inforamtion and when she gets to the bottom of the app she says I am going to ahve to transfer you to a specialty department and I ask her what the problem is and she states to protect the privacy of the applicant, she can not disclose that information and I have to be transferred to a specialty department so someone can speak to me to disclose what the problem is. XXXX I had to disclose my personal information and now they just accused me of stealing my own identity. I told her I wanted her name so that I could get to the bottom of the matter or either she could disclose to me what the problem is and she continues to apologize but due to the nature fo the call she has to transfer me to a specialty department if I want the information disclosed. I finally ask her once more she has a choice and basically refuses to give me her name and tells me that due to the nature of the call that there is a possibility, I am not who I say I am and I would need to speak with the specialty department so further action and attempt of verification could be dealt with. I have never been accused of such in all my life and I told her so and I also told her to cancel the application so it would not be recorded on my credit bureau report. Well they recorded it anyway to my credit Bureau report but that is not an issue but I feel that I should not be treated like a criminal. I still do not understand what all the big deal is and I am embarrased to know that I was basically accused of stealing my own identity. I should not ahve had to go thru the process all over and she should not have told me that could take of it until I was in the correct department and she would not offer to even get her supervisor on the phone which she kept me tied up for 1 1/2 hours. The reference # was XXXX I think this issue needs to be addressed so other good creditors do n't get treated like I did. They should have to pay me XXXX for my humiliation and phone time. This is not the XXXX time that I have went thru this with them but it will be the last.
Product: Credit card or prepaid card

I signed up for a new XXXX XXXX XXXX  membership with discover card. Didn't get {$45.00} statement credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that Capital One Auto Finance has reviewed my credit report again without my consent. This is the 5 time in the last several years they have reviewed my credit report. Every time they do it I contact them and tell them I am not trying to buy a car. I have told them I have no interest in doing business with them in the past, present nor future. Stop pulling my credit report. 

After filing complaints, they contact me and say they got my information from a car deal. A car deal that I did not authorize to pull my credit!
Product: Credit reporting

Good Day, recently I 've attempted to get some information removed from my credit report which still shows that a IRS tax lien is applied to my account. This lien has been released for approximately a year now and has not been removed from my credit report. I 've contacted Equifax XXXX on this matter and each time they simply reaffirm the fact the lien has been released yet fail to remove it from my credit report or reflect the fact that it has been released. Also it would seem that they are allowing companies to change the date of when derogatory remarks were applied to my credit report to allow them to reflect poorly upon me for a longer period of time. Any help in this matter would be greatly appreciated. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case SEQUIUM ASSET SOLUTIONS is attempting to collect as XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit card or prepaid card

American Express is performing an adverse action against me as the consumer according to 12 CFR 1026.13. American Express continues to ask for additional unneeded information to process my applications. I have sent my W-4 which entails all information needed. American Express has done hard inquiries on my credit and seemingly is opening accounts in my name. Which are not under my control.
Product: Debt collection

AD ASTRA REC is claiming that I owe them {$1000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit card

A visa credit card issued by Citi accepted a charge from a merchant who had either an incorrect credit card number or expiration date that passed or both. When I called to inquire how it could happen they said that for some select merchants who allegedly submit recurring charges there is a special treatment when it comes to changed credit card numbers and expiration dates that have passed -- they are provided with new credit card info so that they can continue to bill. 

I suggested that this was done without my consent, that the agreement is between the credit card company and the merchant and not with cardholder, that no cardholder can possibly understand dozens of pages of fine print with changing rules. I demanded that Citi remove the charge from my account and pay for it themselves. That it was unfair for them to violate the most fundamental security feature of the credit card and allow merchants to bill with wrong credit card number or past expiration date or both. I further explained that expired credit cards is what should prevent looters like the merchant in question to perpetrate inappropriate charges and contact consumer with a request for a new billing information. 

As an aside the card in question is not in my posession and I believe it was cancelled. When I asked them to tell me what was the expiration date on the active card it date when it was issued. As a result I can not even present the merchant with a proof that they did something inappropriate - bill with a wrong credit card information and get a new credit card info from Citi when both of them realized that credit card number or expitation date changed.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a {$250000.00} USD Wire Transfer through TD Bank in XXXX, MA to XXXX and was supposed to receive XXXXXXXX XXXX but there was a shortfall of {$9900.00} USD and I only received XXXXXXXX XXXX  from the receiving bank. 

I contacted TD Bank on XX/XX/XXXX and they opened an investigation to find out what had happened. 

On XX/XX/XXXX there was an email from the intermediary bank, XXXX, to TD Bank saying that it seems that XXXX had not gotten the funding for the {$250000.00} from TD Bank and that they would further advise TD on the matter. However, that was the last communication with TD Bank and on XX/XX/XXXX TD Bank closed the investigation without any resolution to the money shortfall. 

XXXX reference : XXXX XXXX UNDER REF XXXX XXXX TRANSACTION XXXX AMOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to dispute factors on my credit score but was only able to dispute certain items and not others. Was looking to dispute an open account that was being reported incorrectly as well as a collection account that I would like disputed and removed but had no success. I was only able to dispute personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX, XXXX : On XX/XX/2019 the attached letter and supporting documentation was sent to XXXX XXXX and to date, the business credit report for XXXX XXXX, XXXX has not been updated and/or corrected.
Product: Debt collection

Subject : Debt Collection Activity Related to Identity Theft Company Involved : Bank of New York Mellon XXXX Mortgage, XXXX Description of the Complaint : I am filing a complaint against the Bank of New York Mellon for pursuing debt collection activities related to an XXXX loan that was fraudulently created in my name without my permission. This loan, numbered XXXX, was initiated by XXXX Mortgage, XXXX, acting as an agent for Bank of New York Mellon, on XX/XX/XXXX. 

Details of the Incident : Identity Theft : The XXXX  loan mentioned above was established using my personal information without my consent. I did not apply for or authorize this loan, which constitutes identity theft. 

Foreclosure Attempt : Bank of New York Mellon and XXXX Mortgage, XXXX attempted to foreclose on my XXXX using this fraudulent loan. This action was taken despite the fact that I had no legitimate connection to the loan. 

Credit Report Discrepancy : In XXXX, the fraudulent loan was removed from my credit report as a result of being identified as a fraudulent account. Despite this, I continue to face debt collection activities from Bank of New York Mellon related to this loan, which I believe is illegal and unjust. 

Lack of Resolution : I have attempted to resolve this matter directly with the Bank of New York Mellon but have received no adequate response. Their continued pursuit of debt collection regarding this fraudulent loan is causing me significant distress. 

Requested Resolution : I urge the CFPB to investigate this matter thoroughly. I request that the Bank of New York Mellon cease all debt collection activities related to the fraudulent XXXX  loan in question. Additionally, I ask for assistance in ensuring that my rights as a consumer are upheld, and that any necessary corrective measures are taken to prevent further harassment..
Product: Credit card or prepaid card

Barclays US issued a replacement card because they changed the rewards sponsor. the old XXXX XXXX Visa card was replaced by the XXXX  Master Card with a different number. Upon activating the card on XX/XX/2021, all the online account information was replaced with the new card information only the old card balances remained. 

Being pressed for time, I placed a block on the card through the company 's online feature on XX/XX/2021, because I had a vendor that has a non-prorated refund cancellation policy, and also makes canceling a subscription through the website difficult. I was not able to access the old card account online as it had been merged with the new card upon activation. The vendor used the old card information to process the transaction for {$99.00} on XX/XX/2021. 

I contacted Barclays on XX/XX/2021, to inquire why the vendor was able to process a transaction with an old card that was replaced with a newly activated card of a locked card account. I also was concerned that since it was the same account, the old card should have been canceled upon the activation of the new card. They informed me that since the vendor had the old card information it would be possible to continue to charge the account until the old XXXX Visa Rewards card expired regardless of the replacement card being active. They informed me that my only recourse was to submit a dispute for the charge. I informed them that this would not be correct since the account control failure was Barclays. they said that's all they could do. 

Also, note the inability to block the old XXXX Visa Rewards card because the account was merged and only allowed me to control the newly activated XXXX Master Card.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX account attributed to me are either not mine, were not properly investigated, or contain inaccuracies due to your willful negligence. 

Your misrepresentation of facts has caused me harm and injury, and I demand the immediate correction and updating of these accounts without further delay. 

In the removal and finality of these accounts : XXXX XXXXXXXX : XXXX By reserving my rights under the administrative procedure, you have blatantly failed to follow your own policies. This negligence is unacceptable, and I demand immediate compliance with the proper procedures without exception or delay.