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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

International funds transfer company OFX has not transferred the agreed amount, {$25000.00} USD to XXXX. They were sent all applicable paperwork over a week ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : In order to get a " Free '' credit report OR to submit a dispute, I must create an account and accept the following terms with XXXX ( XXXX XXXX XXXXs ) : Allow them to - Notify me of credit opportunities and advertisements. 
Allow them to - Notify me of products and services made available through XXXX Allow them to - Obtain my credit score on a recurring basis. 

We should not be forced to accept these terms to view a free report or to dispute inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX : XXXX XXXX XXXXXXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights.

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 ) also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Mu nane is XXXX XXXX XXXX to XXXX $ from my S.S.I. payment without consent. This date r wrong and r old. Also they didnt inform me of dispute against the alleged debt. XX/XX/XXXX. I was not informed or let them take out that money. I feel this is a false report and i should get a refund from RPM collections.
Product: Debt collection

American Express is trying to collect a debt from XXXX XXXX. I used to rent her a room at one time, but am not her or responsible for her debt. She put me on her card as an authorized user no financial information should have been exchanged. I never had the card and when I found out I made her remove me and had the company do that as well. At that time she was current with little owed I believe. I'm assuming she's gotten behind because the company keeps calling me and my family. I call back each time and tell them to remove my number, I'm not her and have no idea how to contact her. I still get the calls constantly. Usually from a XXXX XXXX, Senior account specialist and they leave the number XXXX. Also got one from XXXX something but the name broke up on the message so not sure last name. I've called and spoken with America Express a bunch of times. Last time was XX/XX/18 about XXXX. They say they've removed my number but I got another call today. They just won't quit!
Product: Mortgage

I have been working with Rushmore for XXXX  months on a short sale. They had an appraisal and all the documents they needed. For months they would not give us an update. Finally they asked for additional documents and a new appraisal which was done within days. All this time the foreclosure was on hold. They have a full price offer for XXXX and the value is the same amount per Rushmore 's appraisal. Today they closed the file and won't move the sale date. This will greatly affect the buyer who has been waiting and gave up on other homes as well as my credit and financial situation. Evidence attached on all the messages to and from my agent to them on equator.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2023 ; To remove personal information that I do not want on my credit report. According to the fair credit reporting Act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802 ; No financial institution is not supposed to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company RMP LLC Keeps calling about a debt I suppose to have and if I don't pay they will take me to collection. If I answer they hang up, if I call back they answer but don't say anything just stay breathing on the phone. If I don't answer they keep leaving voice-mails ( I have like XXXX! ). Their phone number is XXXX XXXX. I have my phone number on the do not call list and that not even help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card I dont have the exact amount anymore but I already paid them in full regarding our settlement two years ago.

Discover credit card I already paid them in full 3 years ago XXXX XXXX Already paid them in full around XXXX of this year. 

XXXX  credit card Never been late in payment and paid them in full XXXX Paid them in full already
Product: Money transfer, virtual currency, or money service

I could not contact Cash App after sending cash and needing help. There was no phone number and it was very difficult and honestly, Im not sure if I ever talk to anyone about my problem.
Product: Credit card or prepaid card

In XXXX I made the mistake of transferring $ XXXX into a credit card account. The next day, XX/XX/XXXX I called to have the funds transferred back where they came from, a non Wells Fargo account. Customer service said they were taking care of it and put in the request. This call was made by me several more times because the money was not leaving the credit card account or appearing back in the checking account it came from. During these calls I was told many different things. Sometimes it was they had put in the request, other times I was given a date that it would be transferred. One particular call I was given a fictitious number to call so I could talk to the person doing the reviewing of the transaction, customer service is apparently trained and allowed to lie. All this time I am having to make calls and arrangements for the account the money was intended to go to. This is all taking an enormous amount of time and ended up costing me several XXXX dollars. On XX/XX/XXXX I noticed the money was no longer in the credit card account. Five days later it was still not back in the checking account. I called to inquire were the money was. I was told Wells Fargo had issued a check and I could expect to receive it in 7 to 14 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting a collection on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card

I'm reaching out to CFPB once more about the same issue I'm experiencing with Goldman Sachs Bank USA ( the Bank ) about unauthorized transactions on my account, they claimed that I open multiple dispute on my account totaling {$4400.00}, what they failed to realize is that these transactions are fraudulent transactions on my account and that's I contacted them to have a look at them, the representative contacted me on XXXX XXXX, 2024 while I was at work and was unable to talk he then contacted me back on XXXX XXXX, 2024 & asked me XXXX is XXXX XXXX, edict apparently was the name of the person that conducted the fraudulent transactions on my account. Yet they are here claiming that these transactions are not fraudulent. I'm hard working citizen I work XXXX every day and I swear for my money, so if I see an unauthorized transaction or transaction, XXXX totaling {$4400.00} on my account I have every right to report it. It's very clear that Goldman Sachs Bank USA ( the Bank ) did not conduct a proper investigation under these transactions, they also refused to provide documentation of what happened, they XXXX the name of the person who conducted the fraudulent transactions yet they are claiming that the transactions is valid. I'm kindly asking the CFPB to please assist in these unprofessional behavior of Goldman Sachs Bank USA ( the Bank )
Product: Credit reporting or other personal consumer reports

Sync/amazon/XXXX  aka Synchrony Bank/Amazon DATE XX/XX/year> AMOUNT {$1300.00} In accordance with the Fair Credit Act, this creditor has violated my rights under 15USC.1681 section 602 states I have the right to privacy. 15USC. 1682 section 604A section ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC. 1666B A creditor may not treat a payment on a creditor card account under an open and consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in to be removed.

They are not in compliance with the following law. 15 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 XXXX XXXX NA AND XXXX  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!

Delete the late payments from my consumer reports
Product: Bank account or service

Went into the PNC bank on XXXX in XXXX on XX/XX/2017, put my card into the ATM went through the steps needed to make a withdrawal from my checking account. It let me complete every process to receive my {$600.00} withdrawal, gave me my receipt but did n't give me any money. Right then and there i told the branch manager and tellers what was going on. The first teller told me to give him a minute and he would assist me. A minute i did give him. After talking to him and filling him in on what was going on he called the branch manager who told me to dispute the transaction. That i did also. My whole thing was, another guy came and the same thing happened to him. Without question they immediately reimbursed the man his funds. If the machine was empty why would they still have it up and running and not have a sign on it. Or why would it let me complete all the steps instead of giving me the error message. I call them this morning to see if maybe they had balanced the machine and they said they have n't. I even asked if we could run cameras back to look at footage that shows me not receiving any funds. They even called in the woman who was " over the money in the ATM '' she simply refilled it and walked right past me to assist another person. They were n't any help and were so nonchalant. At one point in time they even acted as though they did n't see me sitting there in there lobby wanting help. Everyone basically keeps telling me to dispute it which could take time because i do n't really think that my financial institute even believes what happened and time is something that i do n't have. I have my receipt and it says i made a withdrawal from the ATM but they still were n't any help.
Product: Payday loan, title loan, personal loan, or advance loan

Monies paid are only applied to interest which is daily. The balance never decreases and it should be considered as loan sharking. This practice is illegally taking advantage of consumers with less than perfect, good or even fair credit scores. It's designed to keep the consumer in debt with this company for many, many years.
Product: Student loan

I transferred my loans to motels in early XXXX and had to call multiple times to eventually learn that my application had essentially been stuck and that they would need to put it back in the cue. 

Early XXXX I received notice that my labs are transferring but the online account showed XXXX balance until mid XXXX. On XX/XX/19 I was able to see a balance and an expected payment of ~ XXXX XXXXXXXX. This is greater than XXXX the amount that studentaid.gov calculated for IDR and almost twice the standard repayment rate. 

At the same time I have been trying to silly for a mortgage but can not currently get through underwriting unless I have formal documentation of my actual payment. 

I submitted a new IDR request and have been calling nearly every day and have been getting told 5-7 business days or 1-3 more days.

I called today to again request sons assistance in expediting the process. Later XXXX  the application has changed to approved online but without any change in the listed payment. I called back and they said it could take up to 90 days for the system to reflect this. 

I requested a letter explaining that I had been approved for the plan and the expected payment and was informed that it would be at least 5-7 days to process the request for a letter and that it would have to go through traditional mail. 

They were unwilling to try and find an email solution and told me if Id like to speak to a supervisor that there would be a 2hr wait.
Product: Debt collection

On XX/XX/2022. A transaction was made at XXXX XXXX, where I hold a line of credit, and they send me an email asking for authorization. I did not sign such email because I have not purchased anything on that date or anytime near that date. A few days later, I get a letter from Fortiva Retail Credit with a bill of an installment and a total amount owed of {$1300.00}. I of course panic and call Fortiva since I already had an account with them because of a fridge I purchase and finished paying several months prior to that incident. They opened and investigation but they have not gotten back to me and they keep charging me this bill and the interest keeps increasing. I also called XXXX and they said that such purchased was never made. I have no idea where this transaction came from but I am tired of constantly getting letters and emails from Fortiva to remind me to pay. I have absolutely no clue how they even got my information to do this transaction nor how this installment came to be. I need this off my credit and peace of mind because this has never happened to me before.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A.States I have the right to privacy 15 U.S.C 1681 section 604 Section2 : It also a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have an account with CareCredit for XXXX  reasons, a fraudulent bankruptcy has been filed, I was told a report was made on my behalf to fix this problem and it would take XXXX days to be fixed, its been over a week and they still have no answers for me as the problem persists. I have asked them for who filed the bankruptcy and they gave me the names of XXXX XXXX XXXX who are not connected to my account at all ( the lawyers were very helpful ), I called again today on XX/XX/year> to ask for updates, was given a number for a bankruptcy XXXX and told to call them, upon calling that number I was sent to voicemail and the number belongs to a guy named XXXX, not a business like they said, I was told I couldnt get an update today as well. I was also notified that apparently my account was filed under bankruptcy XXXX XXXXXXXX due to me being deceased, I am very much alive and dont understand why this is happening and why they cant fix the problem they created. I made all payments on time or early, and always for an amount more than what my monthly payment was supposed to be. Im a business owner, as well as someone whos trying to buy a house within the next year using my XXXX  XXXX loan but will have trouble if this problem continues. They did tell me the account has been made a charge off as well. I just want this problem fixed and if possible, the account closed out as I no longer trust care credit as a reputable business. I had to confirm identity over the phone with care credit via social security number as I dont have a physical card and cant login to my account to get the account number since they have XXXX my account. I feel as if they are trying to hide something or cover their tracks based off of the phone calls I have been on with them, they always try to get me off the phone as fast as they can.
Product: Checking or savings account

1 ) First, on XX/XX/XXXX I attempt to cancel my checking account with Bank of America. I was informed that in order to close the account my balance needed to be exactly XXXX. This was expressed to me while my account was above XXXX balance. I was then told that I needed to remove the money from the account myself in order to have a XXXX  balance. 
2 ) As a consequence of this, there were multiple times when I attempted to get my account to exactly XXXX  balance without success. There were multiple fees placed on my account totalling hundreds of dollars. I was using another account to deposit money in my BoA account to attempt to restore my balance back to XXXX. However, outside bank deposits take multiple days to show up. Essentially making it impossible for me to achieve a XXXX  balance unless the funds were placed there by another BoA account. 
3 ) I called bank of America one last time today, XX/XX/XXXX in order to ask about removing these fees and to cancel my account. The agent said there was nothing to be done about the fees. She then proceeded to close the account as I was able to coordinate a wire from another BoA account holder. I asked to speak to her manager who, frustratingly said she could not refund these hundreds of bank imposed fees specifically due to having my account closed, something the previous agent did not tell me. This agent also confirmed that the information given to me by a the first agent, that I could not cancel an account if it was not exactly XXXX balance, was incorrect.
Product: Checking or savings account

On XX/XX/22 I flew from XXXX to XXXX XXXX on XXXX XXXX. The instructions on baggage were very confusing and I had to check two bags at the gate, which costed me {$200.00}. Upon buying the bags the first time, I was never told I would have to pay for the bags again on my return flight. The instructions were again unclear and I was forced to pay {$200.00} again. Thats a total of {$400.00} for a flight that only costs half of that. The employees were very rude and this is an extremely predatory practice. I am a XXXX XXXX veteran, XXXX XXXX XXXXXXXX causes me to be confused sometimes. This was very unsettling for me and really aggravated my XXXX. To think that a company operating on American soil can take advantage of XXXX  XXXX XXXX XXXX XXXX is completely sickening and XXXX.