23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I recently ordered items from XXXX for XXXX. Upon realizing that they would not be delivered in time for the holidays, I cancelled the orders. Unfortunately, the payment authorization holds that were placed by XXXX remained on my RushCard account. I contacted XXXX Customer Service and they assured me that the money had not been withdrawn, as all my orders were cancelled. Upon calling RushCard Customer Service, they stated they would need verbal authorization from the merchant stating all orders/totals had been cancelled. We participated in a conference call with XXXX and they confirmed the needed information. When speaking with the RushCard representative afterward, he stated that since my account had not been open six months, he could not do anything. Because of RushCard 's policy regarding this, I will not receive my money for TEN DAYS. I need this money to finish my children 's XXXX shopping, which was my intent when I cancelled the orders.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my EXPERIAN, XXXX, XXXX XXXX report and see there are unauthorized inquiries and accounts reporting that i did not initiate nor did i benefit from any of them.The accounts listed on XXXX XXXX are fraudulent reporting from creditors XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX IN account # XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, Also on XXXX XXXX is an an authorized hard inquiry from Bank XXXX XXXX date XXXX fraudulent account listed on XXXX are XXXX & XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  account XXXX XXXX.
Product: Checking or savings account

I have found that this bank has been misusing my funds. And, it appears that they have failed to practice proper handling when it came to my account at XXXX. They refused to stop payment on this payment when I froze the card on file and then when I asked to stop the payment. And, I also told them to stop payment on a charge from XXXX  XXXX for the amount of {$190.00}. I have several NSF on my account. Also, it appears that I am missing funds in my account each month. I have called and requested help but white personnel hung up on me or refused to assist me with my problem. I was given numbers outside of the Navy Federal CU to stop payment on a check that resulted in excessive NSF on my account. I sent in several requests through Bill Pay to have them stop payment on the {$190.00} payment to XXXX  XXXX. They never contacted me nor did they contact me.
Product: Credit card or prepaid card

Hello, I had a credit card that had a 0 % interest until XX/XX/XXXX ; on XX/XX/XXXX I paid it off in full. Or so I thought. I miscalculated and was short {$27.00}. Upon which, the company charge me the full interest of the total amount outstanding, which is over {$800.00}. That can hardly be right?
Product: Checking or savings account

i have been waiting three days for my paycheck to come in and this XXXX XXXX company capital one, has yet to come out with a statement on why all of our direct deposits have been held back. i have bills to pay, im hungry XXXX XXXXXXXX and broke right now how am i suppose to survive the WHOLE weekend with no money or food or gas this started on XX/XX/XXXX and it is now XX/XX/XXXX and i still have yet to receive any update..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

I have previously filed a formal complaint through CFPB against EQUIFAX and they have failed to address their FEDERAL LAW VIOLATIONS. 

EQUIFAX is violating my consumer rights under 15 U.S. Code Chapter 41-CONSUMER CREDIT PROTECTION, SUBCHAPTER IIICREDIT REPORTING AGENCIES. There are multiple federal violations that the consumer reporting agency is grossly violating. 

I have also submitted an affidavit of truth and a demand of removal from my consumer report. I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. I am holding the consumer reporting agency - EQUIFAX civilly liable for their gross negligence. 

Attached are the Demand of Removal Letter and signed affidavit of truth that includes the FCRA violations and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX  ( Original Creditor : 08  XXXX XXXX  ) - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX ( Original Creditor : ) MERCHANT CREDIT - XXXX XXXX/XXXX  - XXXX XXXX  XXXX  XXXX  - XXXX XXXX/XXXX  - XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX  XXXX  XXXX, I ( Original Creditor : ILLINOIS XXXX XXXX ) - XXXX
Product: Credit reporting or other personal consumer reports

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been lateXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017, My Coinbase account ( under my email : XXXXXXXXXXXX - Case Number # XXXX ) was unsuspectedly suspended. It is most likely due to a faulty chargeback from my bank. Since there is a debit in my account, I have tried depositing the proper funds to unfreeze my account. When I submit to deposit the proper amount of funds - it says the payment was cancelled yet my account says there is {$0.00} of debit I owe. So after, when I found out Coinbase has cancelled transactions with that bank account associated with the chargeback, I tried setting up another payment option, which I have verified through Coinbase. Since it still only says {$0.00} owed my account is still frozen and I can not pay off the original debit of {$700.00}. I have contacted Coinbase support via telephone and they told me my ticket was placed with a department specialist on XXXX XXXX. They have locked me out of my XXXX account so I can not even log-in to see my funds, which I ca n't even see if they are even there. I have heard nothing from Coinbase support since. I either need my my account un-froze so I can transfer funds from my XXXX account to my coinbase account or re-instate my XXXX Checking to deposit the proper funds. If by the time this message is received by Coinbase and I was finally able to deposit the funds owed, then promptly un-freeze my account. Thank you. 

- XXXX XXXX
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am filing this dispute regarding inaccuracies in how Ford has reported my payments to the credit bureaus, specifically for the months of XXXX and XX/XX/XXXX. Below is a detailed timeline of events and my attempts to correct these errors : Payments for XXXX are showing as missed and XXXX as not made. 


On XX/XX/XXXX, I made a combined payment intended to cover both my XXXX and XXXX invoices + a portion of XXXX 's early. 
This payment, however, appears to have been improperly allocated by Fords billing system, lumping the entire payment into XXXX and leaving XXXX incorrectly marked as unpaid. 

XX/XX/XXXX {$1200.00} ( is what there system reflects for XX/XX/XXXX invoice ) XXXX XXXX XXXX XXXX XX/XX/XXXX, I made an early payment for the remainder of my XXXX invoice. 

XX/XX/XXXX {$420.00} ( is what there systems reflects for XX/XX/XXXX invoice ) Credit Bureau Updates Missing Payments According to XXXX, an update was transmitted to the credit bureaus on XX/XX/XXXX. 
According to Ford, the update occurred on XX/XX/XXXX. 
Neither update shows XXXX or XXXX paid, even though I made all required payments on time. These updates only reflect that my XXXX payment is current. 

Dispute with Ford I contacted Ford in XXXX after seeing that the XX/XX/XXXX update did not reflect my correct payment history. Ford referred me to their dispute department. 
I provided documentation proving my payments. They asked me to wait for their response. 

On XX/XX/XXXX, Ford denied my dispute, claiming their reporting was accurate. They sent me a transaction history that again shows only XXXX as paid, skips XXXX, and then marks XXXX as paidcompletely disregarding my grouped payment for XXXX. 

Continued Attempts to Resolve I spoke with Ford on XX/XX/XXXX, to demand a correction, as this error has persisted for two months ( soon to be three ).

Ford acknowledged their system lumps my XXXX payment into XXXX invoice, yet they still refuse to provide documentation showing XXXX as paid or to correct the credit bureau reporting. 

They claim their system can not be fixed to reflect the XXXX payment accurately and that the credit bureaus should put two and two together to infer XXXX was paid. All they can do is show my account is current. 

Impact to My Credit Reports As of this filing, my XXXX and XXXX payments are still showing as missing on my credit reports, causing a negative impact on my credit standing. 


Despite multiple calls, disputes, and providing proof of payment, there has been no satisfactory resolution or willingness from Ford to correct these errors.
Product: Debt collection

I HAVE REACHED OUT TO RADIUS GLOBAL SOLUTIONS ASKING THEM TO VALIDATE AN ERRONEOUS DEBT COLLECTION THAT I DO NOT OWE IN THE SUM OF {$620.00}. I HAVE NEVER HAD ANY DEALS, ACCOUNTS, OR TRANSACTIONS OF ANY KIND WITH THEM. THIS ERROR HAS AFFECTED MY CREDIT WORTHINESS. I HACE ALSO REACHED OUT TO THE XXXX CREDIT REPORTING AGENCY. I HAVE BEEN ADVISED BY MY ATTORNEY TO REACH OUT THIS LAST TIME. IF THIS IS NOT CORRECTED EXPEDITIOUSLY, I WILL BEGIN ARBITRATION IMMEDIATELY!
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 XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I disputed XXXX with XXXX, equifax, and XXXX. Equifax and XXXX said the debt was found to be valid, but XXXX deleted the item from my credit file. When I informed the third party debt collector, they removed the item from all 4 of my credit files. The debt has been found to not be valid. The item needs to be removed from my credit history. Please see supporting documents and remove the item from my credit files.
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, XXXX : # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have rights to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c. ( 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 more than seven years.

15 U.S.C. 1681s -2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I submitted a XXXX with Equifax, XXXX, and XXXX. In this Dispute I asked these companies to Delete the information on my credit report because they were not reporting 100 % accurately. I also Asked these companies to send me verifiable proof. On XX/XX/2020 I still Did not receive a response from the credit bureaus so I sent in another letter asking for proof of a investigation from the bureaus. and still there was no reply. I sent another letter out letting the bureaus know that they were violating my rights as a consumer by not responding to my request. It is now XX/XX/2020 and still I have not received a response from the credit bureaus.
Product: Vehicle loan or lease

Credit Acceptance I never owned nor had this type of vehicle in my name or possession. I will happily appreciate if this was removed from my report.
Product: Payday loan, title loan, personal loan, or advance loan

Was offered other products in order to obtain the loan, when paying off a previous loan was not refunded amounts that were due. was not told about the daily interests rates, continously calls and harassment by XXXX  staff even though consistent contact is being made a far as paying off loan
Product: Debt collection

My family was told that donations would help pay for XXXX since I didnt have insurance at the time and I was not coherent and unable to make decisions for myself at the time my XXXX son had to the XXXX XXXX they gave him and my stepdad saying that charity or donations would help me pay this bill for me,
Product: Credit reporting, credit repair services, or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Name : XXXX - Account XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account XXXX UNAUTHORIZED INQUIRIES : 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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I request XXXX XXXX report and upon read this report I noticed that over XXXX transactions from my bank reporting on this report. These transactions consist of my bank account transactions history.These transactions were provided by the Banks in which I bank with. According to these bank privacy terms and conditions they stated that my information will not be shared with any third party. I am also aware that this is a violation under the privacy act. XXXX XXXX is a third party and for my banks to unlawfully give out my personal spend transactions without my written consent or knowledge is a complete violation of my rights as a consumer. XXXX XXXX XXXX XXXX has reported XXXX of my banking transactions, XXXX XXXX  has reported XXXX of my banking transactions, JP Morgan is reporting XXXX of my banking transactions and XXXX XXXX  service is reporting XXXX of my banking transactions all together, along with XXXX other banks that I have not currently list. I have provided documents of each transaction.
Product: Debt collection

as of XX/XX/2021 southwest credit systems has been reporting a debt in the amount of {$370.00} on all three of my credit reports. i was never notified via mail of this debt nor given the fair opportunity to dispute the validity of this debt within the first 30 days of notice if one had been properly given to me. this is a violation of the fcra section 609 and i am demanding that it is DELETED and that the creditor cease all collection activity for violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a hard credit inquiry made by  XXXX  on  XXXX   XXXX ,  2017, on  my Equifax credit report. I did not authorize this inquiry and the credit check was performed without my consent. I have filed a dispute with  XXXX  to remove the inquiry and they have responded in a mail to me on  XXXX   XXXX  saying that they have requested the credit bureau to remove the inquiry. But I am still seeing the credit inquiry on my Equifax credit report.   As a matter of fact, I do not even have an account with  XXXX .     I have tried contacting Equifax over the phone, but they are saying that  XXXX  did not send the removal record.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate account reporting. I contacted the credit bureau and they failed to follow-up with my complaint of multiple unauthorized inquiries
Product: Debt collection

Received phone call from XXXX XXXX who stated I owed money XXXX Chase Bank, which I do not. 
I have previously verified I have no debt with Chase Bank from two different Chase Bank representatives. 
I do not know of any debt, and the last time I was contacted about this was over 7 years ago, so if I ever had a debt balance with Chase Bank, threatening to sue me without notification by mail is illegal. 
I believe this caller to be a debt collection fraud.
Product: Mortgage

I filed a Chapter XXXX Bankruptcy in Federal Court in XX/XX/2016 and Caliber Home Loans is claiming to be the servicer of my note but I have yet to receive an updated statement. I still do not have documentation proving that my note was sold, nor do I have a receipt of all the pre and post petition payments made to them. I attach a copy of the evidence of payment during last year to the Trustee. I demand a correct statement and all information regarding my mortgage.
Product: Credit reporting or other personal consumer reports

My account with 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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 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: Credit reporting or other personal consumer reports

Hello and good day Experian! This is really frustrating, the information and errors that you keep reporting on my credit has already been deleted by both XXXX and XXXX and blocked from reporting, and yet you continue to put this false and inaccurate on my report which is affecting me negatively and causing undue stress.