23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, a charge, ( {$27.00} ), was posted on my XXXX credit card statement, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), that the merchant, ( Experian* XXXX XXXX XXXX CA ), charged, without informing me, that there would a fee for obtaining an on-line credit report. ( Had the merchant informed me that a charge would apply, I would have declined the Report. ) Instead, Experian randomly picked one of my credit cards, ( noted above ), and posted this unauthorized charge to my card acct. I was totally surprised to find this charge on my monthly bill. Merchant, 'Experian ', failed to disclose that a charge would apply upon their showing the on-line Report to me. ( And, in addition, it was my understanding that one can receive one free credit report per year from any one of the three credit agencies. I have never requested a Report in the past. ) So, I was totally dumbfounded upon finding this charge on my Statement. 

I disputed the charge with the merchant. Experian said the charge was proper. 

So, I proceeded to file a dispute with the above mentioned credit card company and, as a result, they closed the XXXX XXXX XXXXXXXX and reversed the charge in early XXXX. The card company then issued a new ( replacement ) Card acct XXXX showing the reversal. Afterwards, on XXXX, the on-line new credit card acct showed that the charge had been RE-POSTED! So the {$27.00} is now back on my charge acct. ( Experian said that if I had a problem with their decision to contact 'consumerfinance.gov ' to continue the dispute, which is exactly what I am doing here. ) This merchant seems to think that they can get away with their deceptive business practices by not disclosing to the consumer any up-front charges would apply for providing an on-line Report. Nothing, whatsoever, was disclosed regarding any charges. I consider this credit agency a scam operation and, of all things, a CREDIT REPORTING AGENCY conducting schemes such as this. Seems to be The American Way these days. 

What can 'consumer finance.gov ' do to reverse this inappropriate unauthorized charge? Else, give me advice on how to proceed from here. Seems I'm, otherwise, all out of options. 

respond to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have two store credit cards that where placed on my credit report from XXXX XXXX. The accounts where not opened by myself. I've tried numerous times to dispute these items off my credit report to no avail. I have attached a copy of my FTC report. 

The account in question are : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CPA ). Specifically, Cash App failed to take a timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit card or prepaid card

This is in regard to original complaint nor XXXX submitted XX/XX/21 regarding HSBC not making payments available as credit in a timely fashion. I received your response yesterday and it is completely unacceptable. You forwarded their response that points out that the cardholder agreement allows UP TO 14 days to make the funds available. They sent that to me as well. They can put anything they want in the agreement ; however that is not the problem. They need to be audited to discover where the funds paid by thousands of customers are shown in their accounting. My suspicion is that it is shown as reserves. It is not. The money represented by these payments is not theirs to use in any manner they wish. If not illegal it is unethical. The funds are deducted from my checking account and shown as received by HSBC but not available to me. You can't just forward their non-answer and call it done. It's not. Where is MY money for 14 days? It is your responsibility to find out. You can communicate to them that I am not without recourse in this matter. I can, ( and I will if forced to ) ATM the entire available credit and stop paying them altogether. My credit will take a hit but they will have to sell the debt at a loss to a collector whom I will happily pay. In addition this situation occurred because they lowered my credit limit without notification to me and I had a purchase denied. Their notice to me claimed I was sent an e-mail telling me of the limit reduction. I received no such e-mail. I received a letter in the mail on XX/XX/21 long after the reduction. None of the reasons for the deduction apply to me. ( see attachment ).
Product: Checking or savings account

I am filing a complaint with the CFPB in regards to Capital Ones failure to Deposit my check via direct deposit from my employer. Capital one has cited Technical Difficulties, which i believe to Violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises numerous of concerns about consumer protection laws, and i request your support and assistance in investigating this matter to ensure my rights are respected, protected, and upheld! Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a discovery of a Bankruptcy case in XXXX Tennessee District Court of XXXX Tennessee that I had was exploited with a company name XXXX XXXX : Co Founder & CEO XXXX XXXX and Co Founder & CMO XXXX XXXX. I filed a bankruptcy case in XX/XX/2017 with a law firm in XXXX Tennessee : XXXX XXXX XXXX XXXX : filing Attorney XXXX XXXX XXXX. I never given any individual or Attorney the consent or permission to submitted and display and of my case private information publicly on the world wide international website through the above listed company. I an requesting a through and complete investigation on the individual whom submitted and posted the information and would like to follow through with a civil law suit in the matter of private personal information exploitation : This action committed personal and business slander to my financial worth and ability to function with livelihood and personal self employment business.
Product: Debt collection

Received a call from phone number XXXX stating that I had a court hearing for a " civil matter '' in a voice mail. 

I returned the call with the case number they gave me, XXXX and asked what this was in regards too. The operator would not release that information until I confirmed personal information about myself such as my address and date of birth. 

I asked if they sent any notice in the mail about this civil action, and they said yes. I have to this date never received a notice. I asked the company name that the operator represents and the only information she would give me was XXXX out of XXXX Texas. I asked if the operator would give me their website and or physical address so that I could confirm that it was not a fraudulent call, and the operator refused. I asked if the operator 's company was a debt collection agency, and she stated " We are registered as a mediation company ''. Then she asked for my date of birth again. When I refused stating that I would only give it to her once she provided information about her company, she hung up.
Product: Mortgage

Loan no : XXXX with Mr Cooper aka Nationstar mortgage. 
An error was made in my XX/XX/XXXX and XX/XX/XXXX payments. Payments should be {$930.00} but in error {$960.00} was charged due to their calculating my ARM index margin incorrectly. The loan is tied to the 6 month CD index. This in spite of the 6 monthly ARM notice clearly indicating {$930.00} being the correct payment. Although I have made repeated requests they seem unable to fix the problem. The solution is simple reverse the incorrect monthly payments and replace with the correct principal and interest and apply the overpayments to principal. 
The errors although small in $ terms pose questions about their internal controls. Why are they able to make payment changes in contravention of the 6 monthly ARM notice and why are they not able to make a correction within the timeliness requirements as required under RESPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that Fortiva is reporting my information correctly I am trying to request a goodwill adjustment on 1 late payment. I was very happy with the company and the use of their credit card service I'm requesting my credit card open date to be changed to XX/XX/2017. I was a very loyal customer making 99 % of my payments on time in over 5 years I'm asking for some help. Thank You
Product: Credit reporting or other personal consumer reports

CFPB, ONCE I REPORTED EXPERIAN THEY PUT MY 1ST PROGRESS CREDIT CARD ACCOUNT BACK IN MY REPORT, BUT THEY DID NOT PUT MY XXXX POINTS BACK CLEARLY VIOLATES THE FCRA. IM UPLOADING DOCUMENTS FROM THE PAST XXXX YEARS ABOUT EXPERIANS PRACTICE.
Product: Credit reporting or other personal consumer reports

The following accounts currently listed and showing on my Experian and XXXX credit report are unauthorized, fraudulent and not my accounts : XXXX XXXX  XXXX XXXX, {$120.00}, XXXX, {$1.00}, XXXX XXXX XXXX XXXX {$250.00} and XXXX XXXX XXXX XXXX {$100.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported on my credit report regarding the account XXXX XXXX  ( XXXX ). According to my records, there have never been any late payments on this account, and all installments have been paid on time. 

However, my credit report currently reflects an inaccurate status that does not properly represent my timely payments. Therefore, I respectfully request that this information be corrected immediately to accurately show that the account is current and without any late payments. 

I appreciate your prompt attention to this matter, and I am prepared to provide any additional documentation needed to support my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, account NO. XXXX is wrongfully portrayed on my XXXX and Equifax reports, for the fraud of the original creditor XXXX XXXX. Prior to service I provided my usual medical insurance as asked for ; I had an expectation that I would be required to pay my usual co-pay of @ {$50.00} and was prepared to do that. Instead prior to service and upon double-checking before leaving I was told by office staff " XXXX '', to my suprise, more than once that my INSURANCE WAS VERIFIED AND THAT THERE WAS NO-COPAY REQUIRED. Obviously this was a fraud perpetrated upon me by the original creditor, that the office worker 's statement was untrue. They knew they had me for any amount they chose to charge me with the threat of destroying my credit which the original lying creditor has done with their strong-arm collector. I've paid a bill I didn't owe according to the law and have had my credit ruined by a fraud perpetrating original creditor colluding with a collector.
Product: Debt collection

FOR PROFIT DEBT BUYERS WROTE ME ON XX/XX/19. I actually received their letter postmarked on XX/XX/XXXX. I kindly responded to their Frivolous claim onXX/XX/2019. I simply advised to Cease and Desist, Validate to actual debt and valid ate themselves to me. I responded in accordance to their fraudulent letter in a timely matter as I do not have a Valid Contract with Nationwide Recovery Service, or do not wish to contract with them. OnXX/XX/19 Nationwide Recovery issued a unknown medical Record with no instructions, reply, or response to my originally mailing. But as of XX/XX/XXXX NationWide Recovery Service has reported the disputed Frivolous debt to all the Credit Reporting Bureaus without verifying the debt. Identity Theft has been committed by Nationwide Recovery Service as they obtain my Social Security Number illegally and Hippa Laws are broken as they obtained alleged medical records without my permission.
Product: Credit reporting or other personal consumer reports

XXXX is trying to collect on a debt that is not owed. I have requested several times that XXXX remove all reporting from the all 3 credit bureaus. I do not owe any debt to XXXX. In fact, XXXX has provided documentation dated XX/XX/XXXX stating my account payments have been timely and I do not owe any debts. Additionally, I have attached the email from XXXX stating my coverage ended on XX/XX/XXXX, which is well before the date on the letter of XX/XX/XXXX. Despite XXXX having this documentation and me providing them with it further, XXXX is willfully reporting inaccurate, fraudulent information which is resulting in massive harm to my credit report. I demand XXXX delete all reporting from the credit bureaus immediately.
Product: Credit reporting

I HAVE SOMEONE USING MY SOCIAL THEY ARE IN OHIO I TRIED TO GET MY CREDIT REPORT ONLINE AND IT ASKED ME QUESTIONS TO VERIFY MY IDENTITY AND IT HAD XXXX NUMBERS ON THERE AND I LIVE IN XXXXASO I COULDNT GET MY CREDIT REPORT NOW I KNOW THEY AT LEAST HAVE A PHONE IN MY NAME PLEASE I CALLED IN TO GET MY CREDIT REPORT BUT I DONT KNOW IF THEY WILL SEND IT TO ME
Product: Checking or savings account

This bank has continued to have horrible customer service through the phone as well as in the branch. Going into the location in XXXX  on XXXX XXXX XXXX was horrific. I came into the bank after speaking to c.s. about applying for a credit loan and opening a savings account when i got to the bank the banker was very nasty and yelled at me for listening to the lady on the phone because she didn't know what she was talking about. Furthermore going into the bank the teller told me the cash advance machine was down and the banker and teller both bombarded me saying i should have called the bank before i showed up and thats the problem with people who jist come to the bank and dont call first and call the XXXX  number. Further Customer service issues have occurred due to poor communication skills and bad information given. Lately its juat got to the point its a yelling match and often im just cursing and ready to close my account. I am so tired of being told one thing on the phone then something else in branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau Equifax. 
XXXX hard inquiries affecting my credit report are : XXXX XXXX-XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX-XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX-XX/XX/XXXX Did n't want to remove my inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian or XXXX  didn't fix error, they ask me to send documents that I already sent. I will resend AGAIN FOR THE SECOND TIME, my social security card I lost it a few years ago please see passport and photo id
Product: Debt collection

On XXXX, I received a credit alert for a collection reporting from First Credit Services, alleged account XXXX for {$520.00}. I have no knowledge of this alleged debt and was never contacted from the office in any form. I request this reporting to be removed at once as not debt validation was never received.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX - OPEN ACCOUNTS IN MY NAME WITHOUT MY CONSENT VIOLATION OF RIGHT TO PRIVACY AND ALL 3 CREDIT REPORTING AGENCY ARE FAILING TO DO ITS FIDUCIARY DUTY BY VALIDATING ACCURATE INFORMATION. I EVEN PROCESS NEGOTIABLE INSTRUMENTS VIA PROMISSORY NOTE AND PAYMENT COUPONS, WHICH XXXXXXXX XXXX XXXX XXXX XXXX KEPT AS PAYMENT AND NEVER RETURNED THEM, BUT FAIL TO XXXX  MY PRINCIPAL BALANCE AFTER PAYMENT WAS RECEIVED. XXXX XXXX XXXX XXXX XXXX ARE IN VIOLATION OF SECURITIES FRAUD. I PRESENT YOU MY FREEDOM OF INFORMATION ACT DOCUMENTS SHOWING THAT XXXX XXXXXXXX XXXX XXXX HAVE NO JURISDICTION TO STEAL MY PROPERTY. I ALSO DEMAND FULL REIMBURSEMENT FOR ALL MY SECURITIES AND ALL FUNDS THAT WERE STOLEN WITHOUT MY CONSENT
Product: Credit reporting

I have previously submitted a certified letter on XXXX XXXX 2016 and XXXX XXXX 2016 which was received and signed for requesting that a dispute be initiated for a XXXX XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified as " account belongs to you " XXXX XXXX Account # XXXX account is still reporting information which is inaccurate. 
1. XXXX Displays no account information prior to XXXX, however this account states open since XXXX. payment history is incomplete. 

2. Report does not List any XXXX delinquencies however account states charge off. The reporting of this account is inaccurate and incomplete. 
I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. I request to be notified of the outcome of this correspondence? 
Thank you
Product: Student loan

I took my first student loan out in 1993. Every year I would call Navient about not being able to make payments and every time they suggested that I either go into forbearance or deferment. Not once over the years did, they suggest income base repayment. If they had my loans would have been paid off now instead of me owing over {$120000.00} because of all the interest, they have added on. I recently saw that Navient was being sued because of these allegations.
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiries : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account XXXX I hereby depute the validity of the alleged debt listed above Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease collection efforts until this alleged debt is validated. you must show proof that you legally own this alleged debt and that it is accurate and complete. Thank you for your understanding.
Product: Student loan

In accordanc e with 10 U.S.C. 1044, I  am a   XXXX   XXXX   XXXX   XXXX   XXXX    representing  XXXX   XXXX   XXXX  and his daughter,  XXXX   XXXX   XXXX  in a legal assistance capacity.   XXXX  Wells Farg o Education Financial Services h as been attempting to collect a fraudulent debt from my client. They have also ignored and refused to investigate information provided to Wells Fargo by my clients that they were attempting to collect a fraudulent debt.   XXXX  The loans were taken out naming  XXXX  as the institution of attendance. We have contacted the University  XXXX   XXXX   XXXX   XXXX   , w ho reported they have never received funds from Wells Fargo  that  was used to pay tuition or any other fee for  XXXX   XXXX   XXXX   XXXX   XXXX  did attend  XXXX  in  2013 , when the loans were taken out.   XXXX  We have contacted Wells Fargo to let them know we are formally disputing the debt.   XXXX   Loan Number   XXXX , Account number-  XXXX   Amount  is around {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on XXXX XXXX XXXX, XXXX XXXX  XXXX. I wonder why XXXX, XXXX   and Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Product: Credit card or prepaid card

I paid XXXX back on XX/XX/21 towards my outstanding balance and funds have cleared my bank however HSBC is saying I wont be able to utilize the card until XX/XX/XXXX.
Product: Credit card or prepaid card

I was never 30 days late XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion XXXX report : Dispute XXXX Account Number : XXXX Source of dispute information : XXXX XXXX  Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : o XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 

Dispute XXXX Account Number : Source of dispute information : XXXX XXXX XXXX XXXX  Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute XXXX Account Number : Source of dispute information : XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on XXXX  report. 

Dispute XXXX Account Number : XXXX Source of dispute information : XXXX XXXX  Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 


Dispute XXXX Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 


Dispute XXXX Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Dispute XXXX Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Lease Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Dispute XXXX Account Number or other information to identify account : Source of dispute information : Type of disputed information : Dates associated with item being disputed : Explanation of item being disputed : XXXX  : XXXX  Name : XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely, XXXX XXXX