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

I bought a Telescope for {$76.00} from a company on the Internet called XXXX XXXX at XXXX XXXX  EST on XX/XX/XXXX. My Barclays credit card was charged {$76.00} at XXXX XXXX  on on XX/XX/XXXX. I asked them for a Tracking number and never received the Telescope or a Tracking Number. I disputed the charge with Barclays on XX/XX/XXXX. The last 4 digits of my credit card are XXXX. The Barclays Dispute no. is XXXX. I have called them every week to find out the outcome of my dispute. Barclays gave me a temporary credit of {$76.00} in XXXX, XXXX then removed the credit and charged me again. The name of the merchant is XXXX They sent documentation to Barclays that my Telescope shipped on XX/XX/XXXX via XXXX XXXX. The XXXX documentation shows that the Tracking number was XXXX. Barclays said that they charged my credit card when the merchant provided the valid Tracking number. 

Barclays sent me the results of my dispute in a letter dated XX/XX/XXXX. 
I went to the XXXX XXXX website. It said that Tracking number XXXX went into the US Postal System on XX/XX/XXXX. The XXXX documentation shows my correct home address which is XXXX XXXX XXXX, XXXX, VA XXXX. 

I went to the XXXX, VA Post Office. A Supervisor looked up Tracking number XXXX. XXXX was delivered to XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/XXXX at XXXX XXXX. That is the wrong address. THE MERCHANT PUT THE WRONG SHIPPING ADDRESS ON MY ORDER. The USPS Supervisor gave me a copy of this in writing.

I called Barclays on XX/XX/XXXX with this evidence. They said for me to mail or fax it to them and they would immediately credit me {$76.00}. I faxed the USPS printout showing the wrong shipping address was on Tracking number XXXX on XX/XX/XXXX. They acknowledged that they have received the fax proving that the Telescope was shipped to The Wrong Shipping Address by the Merchant yet they have done nothing. 
Nothing has happened. When I call them, I am put on hold for 45 minutes. When I do reach a person, all I get is XXXX   Excuses. Please help me get my {$76.00} back. I called them yesterday, XX/XX/XXXX and was on hold for more than an hour and never reached anyone. I gave up. I called them today, XX/XX/XXXX and was on hold for more than an hour and never reached anyone. I gave up again. 
THIS IS CONSUMER FRAUD. This has been going on for over 90 days. Please assist me. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that 3 hard inquiries had been made on my Equifax credit report on XX/XX/2019 by XXXX, XXXX  XXXX, and XXXX XXXX XXXX, all in the Auto Finance category. After speaking with several people at these companies, I was told by XXXX XXXX XXXX ( XXXX ) that a XXXX XXXX in South Carolina had made an application for an auto loan over the phone using my social security number as her own. XXXX declined her application and submitted it to affilliates ( i.e., XXXX and XXXX XXXX ). XXXX opened a fraud investigation and concluded that this was in fact fraud. XXXX notified Equifax of their determination of fraud. 

I also filed a police report and made Equifax aware of this as well. 

Based on the information provided by me and XXXX, Equifax is on notice that XXXX agrees that their hard pull on my credit was unauthorized by me and was the result of fraud. Equifax is also on notice that, unaware of the fraud at the time, XXXX submitted the fraudulent request for credit to XXXX and XXXX XXXX, resulting in the 2 other hard pulls. 

Despite having the information above along with my offer to sign an affidavit confirming the same, Equifax has only removed the XXXX hard pull and not the other two. I also have reason to believe that this fraud resulted in grossly inaccurate employment information being listed on my Equifax credit file. Equifax has been extremely difficult to deal with and refuses to take this issue seriously. 

By continuing to knowingly include inaccurate information on my credit file, Equifax is unfairly lowering my credit score and harming my ability to conduct business with any company that uses Equifax 's services. As such Equifax is causing continuing and irreparable harm to me.

Congress should take action to regulate these types of harmful practices by credit agencies like Equifax, but in the meantime, assistance in causing Equifax to correct my personal credit file would be appreciative. It has been almost 3 months and countless hours spent trying to get this resolved.
Product: Mortgage

We recently refinanced our TD bank mortgage and fully paid it off. They sent a letter on XX/XX/2020 stating " Recently a payoff quote was issued for the above referenced mortgage loan. In order for us to ensure that the payoff quote remains accurate, your automatic payment has been cancelled. '' The loan was paid off today, XX/XX/2020. Despite the payoff and the notice of cancellation of automatic payment, the automatic payment of {$2900.00} was drawn from my checking account today. 

I have contacted the bank and they said they will issue a refund in approximately 10 business days. They should not have drawn the payment in the first place and should either immediately refund it or pay a penalty.
Product: Credit card or prepaid card

I have a Netspend prepaid card via XXXX XXXX, XXXX. On XX/XX/XXXX, I received a text notification that a fraudulent charge was attempted at a XXXX in XXXX, NY on my account. I called Netspend and canceled my card and requested a new one. I was told by customer service that the charge was declined. On XX/XX/XXXX, I received my usual direct deposit. I attempted to make a purchase on XXXX and my card was declined. Upon calling Netspend, I was told that my account was frozen due to an attempt to charge {$1000.00} at a XXXX in XXXX, NY. I advised customer service that I did not attempt the {$1000.00} XXXX purchase, and subsequently canceled my new card that had just arrived. On XX/XX/XXXX, I called Netspend in the morning to have a new card ordered. Upon hanging up from the call, I did not have ANY ACTIVE CARDS on my Netspend account. I had a card on order that had not been received nor activated yet, and no other cards active. Several hours later, I received an additional text that attempts were made in XXXX, NY at a convenience store. I immediately called Netspend as I had NO ACTIVE CARDS on my account. I was told that someone hacked into my online banking account, created a VIRTUAL CARD, and used the card number to order online purchases totalling {$640.00} at XXXX XXXX XXXX XXXX in XXXX, NY. Netspend ALLOWED these charges to clear my account despite the history of fraud over the preceding two weeks and me calling to advise that I did not make those purchases. I filed claim XXXX XXXXXXXX on XX/XX/XXXX, in order to resolve the fraudulent charges and receive a provisional credit. I was told by Netspend that it would take 10 days. On XX/XX/2023 I logged onto my Netspend banking app and saw that my claim was CLOSED, with NO CREDIT ISSUED. Upon calling Netspend it was explained to me that I would not be receiving a credit for the money STOLEN from my account because " sufficient attempts to prevent or report fraud were not made ''. I have an email to Netspend documenting all of the fraud charges, amounts, dates and places of business these charges occurred. I live in XXXX  and have never been to XXXX, NY. Given the history of fraud on this account during the timeframe XXXX XXXX XXXX, XXXX  .... I do not understand HOW I am not eligible to receive THE MONEY THAT WAS STOLEN FROM ME back from NetspendXXXX XXXX I filed a complaint with the XXXX Attorney General 's Office, XXXX XXXX XXXX FDIC, as well as filed a report of identity theft with the FTC. There is absolutely NO EXCUSE for my payroll funds to NOT be returned to me. Netspend/XXXX XXXX XXXX. is an FDIC insured bank and it's unconscionable that I will not receive my hard-earned money back. I asked to speak to a Fraud Supervisor upon viewing the status of my claim being closed and was told that " per protocol '' I could not speak with anyone in fraud. The " protocol '' was for the customer service representative I was speaking with to send an email to the fraud analyst that handled my claim, and she would call me in ten business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO DATE IS XX/XX/XXXX MY NAME IS XXXX, XXXX I AM FILING A COMPLAINT AGAINST XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, BOTH COMPANIES failed to follow reasonable procedures to assure maximum possible accuracy in the preparation of my consumer report consumer reports as defined in 15 U.S.C. 1681a ( d ), and consequently reported inaccurate information about me causing me irreparable harm. 
I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o This account dont belong on my consumer file and must be deleted immediately USAA SAVINGS BANK XXXX Date opened XX/XX/XXXX Consumer reports under 15 U.S.C . 1681a ( d ) include both credit file disclosures obtained directly by me from the consumer reporting agencies and consumer reports obtained by third parties as a factor in establishing my eligibility for credit. 
XXXX negligent, willfully continued to report the inaccurate information even after dispute notices under the FCRA absent notices of dispute about the accuracy of this account and I have notified XXXX of an error and requested a re-investigation which never happen. 
Despite various disputes I had submitted to XXXX company willfully ignored all my attempts to correct the misleading information, that resulting in the denial of various loans. 
Which cause me irreparable harm, emotional and financial stress to me. 
XXXX unreasonable policies and procedures routinely report inaccurate and materially misleading information about consumer file including this account with USAA SAVINGS BANK that have been discharged from identity theft and has no permissible purpose. 
Rather than follow reasonable procedures to assure maximum possible accuracy, as required by the FCRA, XXXX frequently reported information regarding debts based on information they know is incomplete or inaccurate. 

Remove this account from my file USAA SAVINGS BANK XXXX Date openedXXXX ( ( please see attachments ) )
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$4400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Experian are reporting a bankruptcy that do not belong to me. Name spelling and inaccurate address do not belong to me. I would like for that to be removed from my credit report.
Product: Vehicle loan or lease

I opened a vehicle loan in XX/XX/XXXX, I am now being told that my loan was sold in XX/XX/XXXX. I was never informed, nor did I change address that I couldn't be reached by mail. This practice is extremely illegal, I was never informed that my loan was sold!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00}
Product: Credit reporting or other personal consumer reports

My address was changed without my consent so I put credit and security freezes on my accounts across all credit bureau 's. When I filled a dispute and said the address was wrong they told me they can't change it because thats what was reported. 
I then ended up correcting it through XXXX XXXX as the issue was on their end as well. 
I then also noticed that my date of birth was incorrect when I tried to dispute it they would not let me. And there is nothing that says my date of birth is XXXX. 
None of the other bureau 's have reported either of these issues. And everything reported to my credit says was born in XXXX but experian will not let me correct my birth year.
Product: Debt collection

I am writing to dispute a charge of {$560.00} from DISCOVER BANK on my credit report on date of XX/XX/2019. The charge is in error because this account was opened fraudulently with my personal information without my consent. 

I contacted the company immediately upon seeing this balance showing up collections. Multiple times have I stressed this issue to them regarding my concern on this account balance. The company refused to try and resolve my issue, even though I provided documents to them as proof, as well as writing them a letter and mailing it in. This issue has been prolonged for too long and its affecting me financially.
Product: Credit reporting or other personal consumer reports

I sumbitted a CFPB complaint regarding the accuracy of the reporting of the following account for XXXX  XXXX and to my dismay they verified the reporting saying it meets FCRA requirements. However according to FRCA - The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

I have attached a screenshot of the reporting for the XXXX XXXX* and you will see there are major inaccuracies in the reporting Date Opened, Date, Reported, Account Status, as well as the original creditor and account closed date.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed formal disputes with Experian and Equifax regarding multiple inaccurate charge-off accounts on my credit report. These accounts had already been removed from XXXX, yet Experian and Equifax continue to report them, creating inconsistencies and inaccuracies in my credit profile. 

The disputed accounts include charge-offs from XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my efforts to correct this information, Experian and Equifax have failed to conduct a proper reinvestigation as required by FCRA 1681i and continue to report these accounts inaccurately.

Actions Taken Multiple dispute letters were sent to Experian and Equifax, requesting verification and removal. 

A formal complaint was filed with the Texas Attorney Generals Office on XX/XX/year>, urging them to investigate Experian and Equifax for failing to ensure accurate reporting under FCRA 1681e ( b ).

A final dispute notice was sent to Experian demanding the removal of these inaccurate accounts and warning of legal action if they fail to comply. 

Despite these steps, Experian has responded stating that they will not remove these accounts, even though XXXX has deleted it. This is a direct violation of my rights under the Fair Credit Reporting Act, as Experian has failed to provide proper verification while continuing to report unverifiable information. 

Requested Resolution To resolve this issue fairly and in compliance with FCRA regulations, I request the following : Immediate removal of all disputed charge-off accounts from my Experian and Equifax credit reports.

A written explanation from Experian and Equifax detailing their verification process for these accounts and why they are reporting inconsistently.

Updated credit reports reflecting accurate information to ensure consistency across all three major credit bureaus.

A formal assurance that these accounts will not be reinserted into my credit file after deletion.

Experian and Equifax have had ample time to comply with my requests and have failed to do so. Their continued noncompliance is causing financial harm and negatively impacting my ability to obtain credit. I request the CFPB to enforce corrective actions and hold these credit reporting agencies accountable for violating my consumer rights under federal law.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX, yet XXXX XXXX  is not removing this fraudulent account. XXXX XXXX  has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt. XXXX XXXX  XXXX / XXXX.
Product: Checking or savings account

Inadvertently sent XXXX to incorrect recipient. Reported to bank and was advised that nothing could be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Acc # XXXX has violated my rights 15 USC 1681 Section 602 states I have a right tp privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Popular Auto ( Bank ) on the phone at XXXX at XXXXXXXX XXXX on XX/XX/XXXX or XXXX of XXXX to get preliminary information on car loan rates and rates for employees. During the call, I explicitly ask if the process will include a credit check which I did not want them to do. The employee said that the pre-qualification process did not. As I just wanted to know the rates for a car loan. A few days after I reviewed my credit report using XXXX XXXX and I see XXXX unauthorized hard inquiries, not one inquiry but two inquiries. I contacted Popular Bank ( Popular Auto ) as their controls did not flag the double inquiries, and even less the unauthorized inquiries. I confirmed on more than one occasion that my credit will not be touched during this process. 
I send the evidence of the double inquiry to the bank, and they responded on more than one occasion that I did authorize the inquiry. I only asked for evidence and their controls were inefficiently identifying the doble inquiries. They responded on more than one occasion that I did authorize the inquiries and that they do not provide evidence. 

The bank is famous for incidents like this, but I never expected something like this to happen to me, and even more that the bank did not care to fix the problem or provide evidence of an event or incident.
Product: Mortgage

This month showsthat we are shorton escrow morethan {$900.00}, but alsoafter the bank didthe escrow analysis, somehow we are short from 2012 more than {$6000.00} which you, the bank decided todivide the payments in XXXX, we will pay more than {$2000.00} a month and we simply CA N'T do it, and we will neverbe able to catch upwith the mortgage, that was the reasonwe went bankruptcyand did a loanmodificationbecause wecould n't afford {$2000.00} a month. 
We contact theOcwen to pleasemove the {$6000.00} tothe back of the loanso we canconcentrate payingwhatever shortagewe have in escrowthis year. 
Please help us
Product: Checking or savings account

I opened an account with Simple bank in the fall of XXXX. Some time around XX/XX/XXXX my card started to be declined. According to the XXXX statement there is {$290.00} in the account and {$21.00} in an associated savings account. Missing from that total is a {$1000.00} deposit that was withdrawn from my account at XXXX XXXX, and is shown in the Simple mobile phone app as being in process, but has not shown up in the account balance. 

I attempted to resolve the issue with Simple Customer support and was eventually informed that Simple had decided to close my account for undisclosed reasons and that after the account closure was completed I would receive an additional support message in addition to a cashiers check for the remaining balance. They were clear that no further information would be provided to me for the reason for the account closure. 

It has now been close to 60 days since Simple began withholding access to my funds and I have not heard anything from them for nearly 6 weeks. Simple appears to be a front company for BBVA and is in the process of being shut down, I attempted to contact BBVA but after being put on hold for some time I was eventually forwarded to Simple customer service which simply played a recorded message then hung up on me.
Product: Debt collection

My XXXX year child is getting calls from a local loan company, Western Finance. When they call they are asking her name and information without saying who they are. She hasnt given them any information and I have asked them direct four seperate times to stop calling her. Today, I was cursed at by their employee and hung up on. I have never had any type of loans through this company at all.
Product: Debt collection

XXXX XXXX  account ending in XXXX with XXXX  amount of {$640.00}. Midland Credit Management has the account XXXX in collections. I had no knowledge of this account. I have been receiving up tp XXXX or more calls per day. I also reported it under my credit report.