23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX I spoke with representative XXXX ID # XXXX @ XXXX ; XXXX am to advise him that I needed to replace a credit card. I was advised no problem, I was also advise " Not To Make A Payment and No Late Fees would inquire on my account, I should receive the replacement card in 7 to 10 business days ''. I received the replacement card along with a NOTICE Of Late Fees and a additional payment requested. On XXXX/XXXX/XXXX, I had called Capital One regarding clarification on the new billing statement that I had received. The new statement advised me of the non payment plus a late fee. I advised XXXX # XXXX XXXX of the issues and she hung up on me. I called back and spoke with XXXX # XXXX regarding the issue again - no recourse ... so I asked to speak with a XXXX. XXXX XXXX # XXXX # XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX was very rude would not let me talk until I called her out so she would listen. I asked to speak with her Mgr - XXXX XXXX XXXX and I was advised her XXXX does not speak with the PUBLIC - in my opinion nothing was achieved and i asked for a review. I was advised that takes 6-8 weeks. Its funny when the public wants to get something done and we pay our bills ... ... .I takes a act of XXXX to even think about doing something ... .But when they want their money they want it YESTERDAY. If the original associate was provided with the correct training and provided the correct information at the time of the call. their would not be a complaint. If and when I get this card paid off. I will never get another Capital One Credit Card Again ... ... It 's not worth the constant hassle. The employees at Capital One do n't appreciate where their paychecks come from
Product: Debt collection

I receive a call every morning between XXXX and XXXX XXXX from XXXX. They are looking for my ex-husband. I have called the number repeatedly and never get a person. I have left messages with his phone number, explaining that he does not live here. The calls continue. Every day.
Product: Mortgage

LoanCare applied my XX/XX/2020 payment to my account and then reversed it to another persons account in XXXX and will not reverse the credit after providing proof of payment and it's been since XX/XX/2020 and still has yet to be corrected! I had received help from XXXX XXXX XXXX XXXX through Covid for 2 months of Mortgage help. LoanCare keeps " researching '' where they reversed my payment to another customer 's account and after submitting PROOF of the check and CACS, myself and LoanCare talking on the phone ( all three of us at the same time EVERY SINGLE WEEK SINCE XXXX ON MONDAYS ), they can not seem to reverse my payment and hurting my credit score for something THEY need to correct! 
Also, the newest issue ... I made yet another payment XX/XX/2020 and they OVERCHARGED my account another {$20.00} without permission and is holding the {$26.00} that is suppose to go to principle in " suspense '' for NO reason and when calling to get that corrected XX/XX/2020 they said they will correct that THAT day and will see the correction within 24-48 hours and STILL have yet to see that change!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have 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 accounts that are reporting on my Credit Reports : XXXX/DOFED XXXX Balance : {$3500.00} XXXX/DOFED XXXX Balance : {$6600.00} XXXX/DOFED XXXX Balance : {$2300.00} XXXX/DOFED XXXX Balance : {$2500.00} XXXX/DOFED XXXX Balance : {$3500.00} XXXX/DOFED XXXX Balance : {$6600.00} XXXX/DOFED XXXX Balance : {$890.00} XXXX/DOFED XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit card

Paypal dispute XXXX XXXX XXXX XXXX XXXX for {$130.00} was filed as a dispute with Paypal on XX/XX/XXXX. After days of waiting, I was instructed to send the item back to merchant and upload tracking number to the site for refund. 

Today is XX/XX/XXXX the item has been returned since XX/XX/XXXX and my credit has still not been processed. 

Per paypal oversees 'It is still under review '' This is exploitation of the consumer. There is nothing to review. If they don't have staff or computers to resolve a simple refund then why are they holding onto the funds for an excessive amount of time, while this is on the Paypal Credit Card. 

Fees. Interest. Refusing to refund to balance, and instead holding onto consumer funds while 'in review '. 

I have called to speak with Supervisor XXXX 2 times, and they advise there is nothing they can do. 

Representatives tell you to 'send in more information ' to expedite the process when in fact it slows it down. 

This is exploitation of the consumer. Please investigate. Paypal is not a small company, that can not afford staff or computers. If they had staff, and computers this would not take 3 weeks to issue a refund. Who wins, who looses?
Product: Debt collection

XXXX XXXX XXXX has sent me to a collections agency named IC System Inc. They are attempting to collect {$210.00} that I do to owe. I have never been with XXXX XXXX XXXX and I have explained this to them numerous times. I am requesting that this be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information being reported on my credit report is more than seven years old from the first date of delinquency and exceeds the statutory time period under this Act, and must be removed. 

The SANTANDER USA account 1st date of delinquency is being reported as XX/XX/XXXX on my XXXX  credit report. The actual 1st date of delinquency is XX/XX/XXXX as was reported on my XXXX credit report ( attached ). The actual 1st date of delinquency makes this account over seven years old and therefore outdated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having issues with unauthorized inquires on my Experian credit profile am subscribed to Experian monitoring services. it is noted across all three credit bureaus that i was a victim of my data being stolen from XXXX data breach. Experian remove all hard inquires that's not connected to any open account 's on my Experian profile. 

1XXXX XXXX 2XXXX 3XXXX XXXX XXXX 4XXXX XXXX i was recently denied a line of credit because of these unauthorized hard inquires. also my phone number that's on file with Experian is being flag by lenders for some reason. also please fix this error asap
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681 PERSONAL INFORMATION ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX *THIS IS A XXXX OFFICE - NEVER LIVED HERE PLEASE REMOVE DEROGATORY ACCOUNT INFORMATION XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX *PAYMENT HAS NEVER BEEN LATE XXXX XXXX XXXX Account XXXX XXXX XXXX *PAYMENT HAS NEVER BEEN LATE XXXX XXXXXXXX - PLEASE REMOVE Account number # XXXX XXXX XXXXXXXX Account number # XXXX PLEASE REMOVE XXXX XXXX XXXX Account number # XXXX PLEASE REMOVE XXXX XXXX XXXX XXXX Account number # XXXX PLEASE REMOVE XXXX XXXXXXXX XXXX. 
Account number # XXXX PLEASE REMOVE INQUIRIES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 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 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604A, Section 2< States a consumer reporting agency can not furnish an account without my written consent and 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

Medical Data Systems Inc has reported false, nonexistent debt to the credit bureaus twice this week. I have contacted XXXX  HospitalXXXX XXXX XXXX to verify that Medical Data Systems should not be reporting any new collection accounts to the credit bureaus, yet they have done this twice in the past 3 weeks. There is no record of a debt owed, so they are opening fake collection accounts in my name. They are destroying my credit score by committing this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an agreement with Nissan Motor Corporation, and paid them off on XX/XX/2020, and they are not reflecting this on my credit reports. I have a letter showing that the agreement happened, and Nissan is reporting balances that do not exist. Nissan is also reporting an incorrect account number on my credit report. Both of these factors are a direct violation of the FCRA, and the Nissan Motor Corporation entry on all 3 of my credit reports need to be deleted immediately. Nissan is reporting my account number begins with a 9, however according to my account statements, and Nissan 's online portal, my account begins with a 0. I have attached my agreement letter showing that I have a settlement, screen shots of the Nissan entries on my credit reports showing balances that do not exist, my credit reports incase you want to verify the screen shots, my account statements which show a different account number than what Nissan is reporting, the agreed upon amount withdrawing from my bank account, and a screen shot of Nissan 's website showing a different account number than what Nissan is reporting.
Product: Debt collection

US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$1900.00} US DEPT ED XXXX {$680.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Checking or savings account

Received an e-mail on XX/XX/2021 at XXXX that a Bank of America XXXX XXXX account was being opened in my name. I was given the last four digits of the account number, which was XXXX. I had not opened this account, nor did anyone in my household. The account was approved and then the e-mail address was changed to one I am not aware of. This account was opened fraudulently, so I attempted to contact Bank of America. When contacted, I was transferred multiple times and then hung up on. This happened three times. I am not sure what to do, as the account is still open and I can not access it.
Product: Debt collection

Under the Fair Debt Collection Practices Act, debt collectors are required to identify themselves in any communication with a debtor. 

Spire Recovery Solutions has left me a voicemail on XX/XX/2020 without stating who they were, their company name, and what their purpose was.
Product: Credit reporting

I sent a certified letter to XXXX, and Equifax disputing inaccurate information on my report. All XXXX agencies received the letters as I have copies of the return receipts from USPS. Equifax and XXXX have not responded to my dispute which was mailed on XXXX XXXX, 2016. It has now been 56 days since I sent the letters.
Product: Debt collection

I obtained a copy of my credit report and noticed accounts I did not authorize.
Product: Credit card or prepaid card

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on BARCLAYS BANK DELAWARE. Also, I tried contacting XXXX requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

BARCLAYS BANK DELAWARE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am coming straight to you because I have been the victim of your entire previous page list : I had to best choose inaccurate info because the underlying theme BEYOND XXXX breach they did not notify me about, or the XXXX application fraud I filed with FTC yesterday : the furnisher of incorrect information on 2/3 credit reports, as well as government and courts is lexis nexus. I will hand write all my disputes to them after I leave XXXX XXXX IL police dept tonight. I have had unemployment fraud, triple charges for numerous single purchases- no hotel when I show up to my air bnb with a child in Arkansas XXXX Ive had XXXX XXXX caution me against complaining to XXXX when fraud occurred. There is this attack on my reputation. 4 years of full time employment at XXXX, a professional driver- I look at my reports : all I see is employment from over 7 ago, numerous old financial marks- wrong address in XXXX NY & Wrong SS # ( XXXX ). XXXX has a phone number for XXXX XXXX NV as my contact. Every package I order comes with the wrong phone number on it, or I get charged 2-3x. XXXX had a data breach and is the only correct, XXXX XXXX report. This happened a few years ago also, all at once I dropped XXXX pts and an onslaught of claims over 7yrs old that I had to spend hours disputing. This time its just XXXX application fraud, XXXX pt drop and wrong name spelling, state, SSN, phone number And they call themselves legal aid? Lexis Nexis has furnished this incorrect information making me look like the falsely unemployed, false insurance patient with neurological doctor visits that I never had- As well as all the other falsities they have on me. What does XXXX PD have on me? What does XXXX XXXX PD have on me? Cuz they have me connected to someone who lives in both those states, 1 with a different ssn! I am afraid that I will be arrested or show up with XXXX tickets and XXXX warrants!! Or XXXX loans. They need to correct my information because they furnish the sensitive, critical personal information- why is it wrong? This is day XXXX of my life ignoring my child to deal with no pay and drama so I hope this gets straightened out and I dont get arrested at the XXXXPD tonight. I have placed a freeze on Lexis Nexis file as well as all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I began making monthly payments on my student loan, to XXXX my student loan lender. XXXX claims they report to all XXXX credit reporting agencies once a month, on a specific day for activity from the previous month. 

I began noticing that the Credit reporting agencies were not updating the balance properly, causing a negative impact to my credit score. I contacted XXXX at the number they provided in a letter, but the number was not a working number. I was able to locate a different number. and after many hours on the whole and speaking to over 4 superviors each month from XXXX to XXXX, I was able to get XXXX to send an update to all XXXX of the credit bureaus. 

Unfortunately the credit bureaus still do not show the correct balance on my XXXX student loan account. XXXX still does not show the correct balance amounts from previous months. 

To make matters worse since paying over XXXX my credit score dropped XXXX points with one credit bureau, XXXX points with the second credit bureau and XXXX points with the third credit bureau. All three credit reporting agencies are using FICO XXXX model. 

There is only one FICO XXXX model, why do I have 3 different scores? Why after paying thousands of dollars on my student loans ( over XXXX XXXXXXXX between XXXX and XXXX ) would my credit score drop so drastically. I tried reaching each credit bureau for an explanation, the only thing they can tell me is that my balance goes into the scoring model and generates a score. 

Every time I make a payment, instead of my credit score going up, it is dropping drastically. This is causing me financial hardship because I am unable to finance a car at a normal interest rate. My mother is elderly and recovering from XXXX XXXXXXXX XXXX XXXX XXXX XXXX. We need a car to transport her to her medical appointments. It is causing me mental and emotional stress. I need help resolving this issue. 

Currently, there is no Governement oversight or regulations over the FICO XXXX scoring model and its inconsistencies amongst all three credit reporting agencies. 

I need help. please contact me. 

This is causing me a financial hardship.
Product: Money transfer, virtual currency, or money service

Chase Bank refunded and the sent back an ACH transfer for an overcharged amount. 

I disputed a transfer to XXXX XXXX XXXX for a breach of contract, warranty of habitability and retaliation issue. The bank has said they only cover overcharge issues, but did not contact me for the information related to my claim. 

No forms were mailed to me as was mentioned by phone on two separate disputes. 

The fees are an overcharge, but this claim was filed incorrectly by the agent on the phone. I had pay rent in full and left the property. There was a number of fraudulent charges added to the account the funds were sent to. The money sent was not being applied to any balance owed over fees were placed on the ledger. 
I view this as a fraudulent, but under the banks terms this should fulfill an overcharge claim. 
They've chosen to file the claim as a breach of contract and ignore this issue.
Product: Credit reporting or other personal consumer reports

Equifax is the only one of the three credit reporting bureaus that continues to inaccurately show I have two outstanding student loans both with XXXX XXXX : {$130000.00} and {$27000.00}. 

In XX/XX/XXXX, all of my US Dept. of Education student loans were transferred from XXXX XXXX to XXXX. 

In XX/XX/XXXX, two of my loans ( the two at issue for {$130000.00} and {$27000.00} ) were forgiven and discharged under the Public Service Loan Forgiveness ( PSLF ) program. ( My remaining loans were forgiven shortly thereafter ( XX/XX/XXXX ) under PSLF ). 

XXXX and XXXX correctly show that all my federal student loan accounts were fully paid and closed. Yet Equifax refused to update their information, which is resulting in a lower credit score with Equifax. Equifax stated it contacted XXXX XXXX, which confirmed that I owe those two student loans- even though XXXX has not reported any new information since XX/XX/XXXX ( consistent with when my loans were transferred from XXXX to XXXX )! Further, XXXX could not have confirmed the accuracy of such loans because those loans were transferred to XXXX six months before they were forgiven. In fact, when I call XXXX, they state they can not help me at all because I do not have any account with them. The run around is maddening. And Equifax staff are clearly not being truthful in their investigation statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union an XXXX continue to accept and report false information from XXXX damaging my XXXX, credit score. Account was closed as a charge-off and was a by=business account. They ignore repeated statements and copies which show its not my account. Also stop reporting false addresses for me. They have been sent numerous times supporting id documents with my correct address. XXXX is using a false address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a fraudulent credit account was opened at XXXX XXXX XXXX under my name. 

On XX/XX/XXXX, I filed a complaint with Experian to remove it from my credit report. Experian did not remove it, as they claimed that XXXX XXXX XXXX said the account was valid. I did not open this account. Do I need to file a police report for identity theft? I filed a police report last year ( XX/XX/XXXX ) because someone was trying to open credit in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with a credit card company called XXXX XXXX from XX/XX/XXXXthru XX/XX/XXXX. 

The company will not let you set up recurring monthly payments, they require that you log in and schedule each payment monthly ( this is unusual as all of my other credit cards allow recurring payments. ) When I logged in to make my XXXX payment in XX/XX/XXXX I verified the routing and account number because my bank, XX/XX/XXXX sold to XXXX XXXX and the account and routing number of the bank had changed. 

My checking account information was previously saved by the credit card company so the fields regarding my banking information for payments were populated automatically so I manually changed the payment information. Apparently the field repopulated to the old routing number etc because my payment must have been denied. 

I was not notified that I was late and I had no idea that the payment did not go through. 
This caused my first delinquency. 

In XX/XX/XXXX I called in to make a payment over the phone because I was traveling and apparently the payment was not credited to my account. Again, I was not informed so I had no Idea until I went to make another payment online and discovered the 2nd delinquency. 

I ended up canceling this credit card because of the companies unreliability. 
I would like these delinquencies removed from my account. 

Thank you, XXXX XXXX