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

I have disputed the following items with EXPERIAN to be removed and deleted from my credit report on XX/XX/XXXX and these unlawful incorrect items are still being reflected on my credit report : company XXXX XXXX XXXX account number : XXXX date opened : XXXX XXXX amount : {$980.00} company : XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$0.00} company : XXXX XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$0.00} company : XXXX XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$100000.00} company : XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$4100.00} company : XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$0.00} company XXXX XXXX XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$1900.00} company : XXXX XXXX XXXX account number : XXXX date opened : XX/XX/XXXX amount : {$470.00}
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 TransUnion XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Please help, after reviewing a copy of my credit file I was shocked to see a collection from a company called National Credit Systems. I have never heard of this company nor the second company reporting. I never ever received anything from this company. I disputed and requested validation and nothing has come. Please help this is NOT mine.
Product: Credit card

I have an American Express Blue Cash credit card. And this credit card has an introductory rate of 0.00 % for balance transfers, and a 13.49 % interest rate on purchases. The online portal for this credit card does n't tell me what my exact balance is for each category. And the problem is that the card agreement makes it seem really convoluted how your monthly payment is distributed between the different categories. You might think your payment is paying off your highest interest category first, but it turns out it does n't pay it down all the way, and this gives American Express the ability to keep charging you interest on purchases. 

Last month ( XX/XX/2016 ), I got sick of this shell game. It had been going on for something like 2 months by that point : I thought I 'd be paying down my higher-interest purchase balance, but my payments were n't being applied to where they should have been, so I kept getting charged interest. So XX/XX/XXXX, after consulting with a help agent on Amex 's live chat ( which itself took a lot of work for them to just tell me what my purchase and balance transfer balances were ), I paid off ALL my purchase balance, paid off an additional {$500.00} extra just in case, and did n't make any new purchases. This, the customer service reassured me, should have paid down my purchase balance completely to {$0.00}, leaving only the balance transfer which is n't accruing interest at this time. 

Yet today, when I checked my Amex statement, I STILL am being charged interest for a purchase balance of something like {$27.00} in spite of the fact that I HAVE N'T USED THE CARD TO BUY ANYTHING FOR SIX WEEKS!! 

So basically, Amex is violating its own cardmember agreement, by illegally shunting my credit card payments into lower-interest balances, thus not paying down the higher interest balances, and thus allowing them to continue to charge me interest on when they should n't be. They might also be charging me interest on purchases I 've never made.
Product: Checking or savings account

on XX/XX/2018 i contacted XXXX XXXX about a unauthorized charge to my card in the amount of {$360.00}. They informed me that they couldn't find me in their system and made note of my first and last name. they informed me that if the payment tried to come thru they would reject it and not except it. I called my bank periodically checking on this charge thru out the week. unfortunately a week or so later the charge came out of my account. I contacted XXXX XXXX   again, which at this time they sent me to a head supervisor because the payment had not been taking by them. speaking with the supervisor she informed me that a third party was involved and gave me their corporate number. the third party was XXXX, i spoke to a lady who assured me that they didn't accept payment either because the hotel rejected it they would have no reason or authority to take it. I contacted my bank and informed them of the situation and proceeded with filing a dispute.I never received any products or services from this merchant. 

there was also a unauthorized charge of {$170.00} on XX/XX/2018 to my account by a moving company who couldn't provide service to me at the time i requested. I responded to the confirmation email and informed them that i would call them to set up something later. later that day someone from this company called me and states that they already tried to take {$170.00} out so what are they to do at this point. I informed the gentlemen that the deposit was not authorized and i only had a phone conversation with someone who couldn't even confirm a time the movers would be available. He placed me on hold for 5 minutes then hung up on me. when I tried to call back no one answered. I never received any products or service from this merchant.
Product: Checking or savings account

At Capital One Bank we erroneous/fraudulent check ( attached ) was cashed against our account on XX/XX/XXXX. The check was washed ( and it was clear by the image ). We alerted Capital One about the fraudulent transaction on XX/XX/XXXX. We spoke with the fraud department on XX/XX/XXXX at Capital One and the Bank XXXX XXXX as well ( the bank the check was presented to for {$6000.00} ). 
Per our conversation with XXXX XXXX XXXX, the funds were not disbursed on their side because it was also suspected fraud. On XX/XX/XXXX, the fraud department at Capital One was not helpful at all. Although it was a clear case of fraud based on the check ( attached ) and XXXX XXXX XXXX 's determination, the Capital One XXXX department did not seem to care about our issue and acted as if we were bothering them. They would not provide us with a supervisor or last names, a timeline for recovery of our funds, or what we could do to speed up the process. During the conversation, they stated that we would receive an affidavit to complete to document that it was a fraud ( but would not tell us when or how long the process would take, even when asked directly ). We still need to receive the affidavit 21 days after reporting the issue and have yet to receive our funds back. Even though we explained that we needed the funds to cover our expenses and that we are also personal Capital One customers with substantial assets in the bank ( including our children 's savings accounts ), the fraud department was not affected by our concerns in the least. We also spoke to Capital One customer service on XX/XX/XXXX, and they put us on hold for several minutes while they tried to secure our affidavit from the XXXX Department. We were provided with the following case number XXXX. We still need to receive this affidavit that has been mentioned. 

We feel as if we are not being treated appropriately or fairly. The fraud department is treating us more like we committed fraud than if we were the victims. We want the affidavit, if necessary, and our funds back as soon as possible to cover our expenses.
Product: Debt collection

I lost my bag XX/XX/2021 which included my license, phone, cards and social. The next day I see a whole bunch of checks deposited in my account which turned out to be counterfeit. I reached out to Wells Fargo to discuss the the problem because the person who had my stuff was able to access my Wells Fargo online account since it was on my phone. They sent money via wells XXXX and wire transfer. So that made my account XXXX. I got a letter in the mail that Wells Fargo denied my claims and that they will not reimburse me with the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I had filed a dispute on XXXX for a debt that has been improperly reporting on my credit report. The account with A + Loans was opened in XX/XX/XXXX. Due to incontrollable circumstances in which I had no other options than to file a chapter XXXX bankruptcy. On XX/XX/XXXX I had filed for protection under Chapter XXXX. On XX/XX/XXXX the initial notice was sent to the creditors and on XX/XX/XXXX the notice for the meeting of creditors ( date/time/place ) was sent. All three notices included A+Loans. My bankruptcy was discharged on XX/XX/XXXX and A+Loans was sent a discharge of debt. I've attached a copy of the petition, meeting of creditors and discharge paperwork. Unbeknownst to me, A+ Loans started reporting this account with a XX/XX/XXXX open date and a XX/XX/XXXX charge off account. This was after the debt was forgiven and prior to them ever reporting on my credit. The results of the dispute didn't rectify the issue. They zeroed out the account and listed a bankruptcy date of XX/XX/XXXX and a closed date of XX/XX/XXXX. From my understanding, this is a violation of my rights under the FCRA. The update has now caused me to lose my pre-approved status on trying to purchase a new home. I've worked hard to start rebuilding myself after my bankruptcy and I was told that the way it's now reporting is valid. This debt should've never started reporting XXXX years after my discharge nor should it be dated as closed/included in bankruptcy as of this year. This account was never reporting prior to XX/XX/XXXX, so how is it legal that they can erroneously start reporting a discharged debt in which they were informed through my petition, meeting of creditors notice, and discharge notice?
Product: Debt collection

I used to work at the XXXX and had money for a subscription taken out of my paycheck. When I stopped working there, the paper stopped coming because there was no longer a paycheck to draw from. I never received a bill from them as I was not getting the paper. 
I received a notice that they sent a relatively small sum to a collection agency, Joseph Mann and Creed. I emailed the human resources director and was told the billing department was handling it but she refused to give me a contact person. 
I finally got someone on the phone who told me the account was closed, the balance was XXXX but that dealing with the collection agency was " my problem. '' Even though the letter says " The XXXX has requested ... '' This is not my debt. They are refusing to fix it. I have perfect credit and can not get help.
Product: Debt collection

I signed for a car in XXXX  with my ex so he had transportation for the kids. The car payment was his responsibility and he let it get repo 'd. I disputed the car on my credit account and had it removed. The original company the car was bought from has the car. So why 10 year 's later my boss gets a letter to garnish my wages and I was never aware of the situation at all. No letter, no phone call. I'm a single mother of XXXX kids working at XXXX barely even making ends meet. This company is horrible to take legal matters without even proper notification and negotiation. The interest on this account is double what was even left on the car. Why are they not going after him who is also on the loan documents. This is ridiculous. This company should be closed.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : ALLY Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

After reviewing my credit profile on XX/XX/2020, I identified several discrepancies with 10 accounts that appear to be duplicated and listed under RMP Services LLC. I requested a validation on XX/XX/2020 as these medical accounts if correct and not duplicated have been paid for by my insurance. Credit report was reviewed again on XX/XX/2020 and the accounts are still reflecting on my report and I sent a 2nd follow up letter requesting validation for the debt. Finally, on XX/XX/2020 I reviewed my credit report again and there have been no changes with the discrepant accounts still reflecting on my report and I believe that they are trying to collect on accounts that have been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on these accounts. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that all 10 accounts are not duplicated and were not paid for in full by my insurance and that all information is correct and valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 bureaus- Transunion , XXXX  , XXXX  to have incorrect reporting information on my credit be investigated & removed. I have sent several letters dating as far back as XX/XX/2021. I recently spoke with rep for XXXX  and was advised the address they have online is incorrect for me to submit my dispute letters and that they never received them and I should resend. Fine, this time I sent certified mail XX/XX/2021 my now 2nd letter to them to request a signature from someone, they signed for it and received it. Today, XX/XX/2021 I called back to XXXX  and they are singing the same tune, lying that they have not received it when Cleary they signed for it. 

Same for Transition, called them today XX/XX/2021 they claim to not have received my 2nd attempt to investigate and remove unauthorized incorrect information from my report. 

Called XXXX same, they are telling me they can't sat if they have or have not receive my dispute and I should call back another time. 

These bureaus have been giving me the run around since XX/XX/2021 and I have had it up to here with them!
Product: Debt collection

According to text messages which I have XX/XX/XXXX Lien receivables LLC Contacted me about a XXXX XXXX that was towed and they are accusing me of oweing XXXX dollars. I contacted DMV in XXXX and they said ignore them because that car is not in my name and I am not a previous owner according to DMV records. I ignored them after explaining DMV said that I am not a owner please contact them with any more questions please do not contact me anymore. They called multiple times and then as of today XX/XX/XXXX they contacted me through text message again after stating please leave me alone about a debt that isnt mine, They contacted me and said they sent me a letter which I did not receive and still they threatened to mess up my driving record or registering another car and they also threatened to mess up my credit due to this debt that isnt mine again I stated for them to leave me alone and that this is harassment. Ive been called the Federal Trade Commission and they transferred me to CFPB to file my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DISCOVERBANK and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and DISCOVERBANK and XXXX XXXX  with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit card or prepaid card

I am a natural person/not a third party company Discover bank is in violation of federal law and my consumer rights and privacy. 
They sold my open end credit plan pursuant to 15 usc 1602J along with my location information pursuant to 15 usc 1692a ( 7 ) which result in aggregated identity theft pursuant to 18 usc 1028a. They are also in violation to 15 usc 1611 by providing false and misleading information to my consumer report by stating my account was charged off as bad debt but congress law doesnt define what a charge off is. And in violation of 15 usc 1681a ( 2 ) ( I ), they are reporting experiences and transactions to my consumer report that are supposed to between consumers and discover bank.
Product: Checking or savings account

I deposited a check from my employer on XX/XX/2023 via Wells Fargo ATM. {$400.00} of said check should have been made available to me the same day, and the remainder of the deposit was to be made the following day as stated on the ATM deposit receipt that I received. 

The following morning, I was informed by Wells Fargo via email that they were no longer providing me with access to the funds from my deposited check until Friday, XX/XX/XXXX, due to repeated overdrafts on the account within the past 6 months ; however I have their " Clear Access '' bank account. The main/primary feature of this account is that you are literally incapable of overdrafting- it is designed to prevent the account holder from going " into the negative. '' Furthermore, no where in the banking agreement does it state the amount of " overdrafts '' that would justify a XXXX log day hold on a deposit and Wells Fargo defines an overdraft as " when you do not have enough available money in your account to cover a transaction, but we pay it anyway. '' No overdraft has ever been paid on this account because it does not allow overdrafts. The funds have already cleared the account that they were pulled from. There is no justification for the hold. 

I called them and they refused to release the hold or allow me to close the account, until their hold is released.
Product: Mortgage

In the initial purchase of our new home at XXXX XXXX we were flooded with documents that needed to be signed. One of those was with Pulte Mortgage. Later it was disclosed that we had the option not to use them for our mortgage. As a consumer, I could have paused the process and asked more questions but instead I paid the required fees for the mortgage application and a future appraisal of the home to keep the process moving forward. It was explained that if we did not use their mortgage company that the appraisal fee would be returned to us. I believe that their statements were misleading and deceptive since we were not given the opportunity once closing date was announced to opt out of using them for our mortgage. Pulte Mortgage also claims they ordered an appraisal 3 days prior to us being notified of the closing date. However, the appraisal itself is dated many days after our notification to them that we would not be using their services. Another way that Pulte Mortgage conducting deceptive business practices is by requiring us to acknowledge higher and higher mortgage rates via esign docs in XXXX. Yet as rates came back down not one document was sent to adjust to a lower rate. Again, to a consumer this is a misleading and deceptive practice on their part. I also wonder why Pulte Mortgage requires the appraisal BEFORE the building of the home. Most mortgage companies recoup that fee at the closing because the appraisal is requested at the COMPLITION of the building process. I wonder if this is not the 1st time Pulte Mortgage has pulled this stunt.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance XXXX XXXX XXXX Balance : XXXX XXXX Balance : XXXX XXXX  XXXX Balance : XXXX XXXX Balance : XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Direct Deposit made on XX/XX/2023 to closed account ending in XXXX that was closed over a year ago. I called numerous times about the issue and I keep intentionally getting transferred to another department that either just rings or they pick up, ask me a few questions, put me on hold and then the phone is hung up on their end. There was a mix up with payroll that didnt process to my newer usual account. I was initially told by my company I work for that is would reissue the payroll direct deposit when Chase returns the payment, typically within 10 days. Old account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : [ XXXX XXXX ] [ XXXX ] [ Charge off/ Failure to Pay ] [ The information on this account is incorrect- I am in the process of trying to purchase a house and I had my credit ran- It has a note that my XXXX account was charged off in XX/XX/XXXX- yet I have been in a credit counseling service since XX/XX/XXXX. I noticed that I missed only one payment and that was in XX/XX/XXXX. I am now concerned that this debt is being paid monthly but is being reported to the credit bureaus as a FP ( Failed to Pay ) but you get paid every month as agreed with the credit counseling program. Please advise how this is a fail to pay, yet you receive the payment monthly? Attached are the statements from XXXX XXXX XXXX and a copy of my report from Experian . ]. 
My contact information is as follows : [ XXXX XXXX XXXX ] DOB : [ XX/XX/XXXX ] SSN : [ XXXX ] [ XXXX XXXX XXXX, XXXX XXXX XXXX, MS XXXX ] XXXX XXXX XXXX