23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

Navient continues to call back to back every hour on the hour every day beginning at XXXX XXXX and I just received a call today Saturday XX/XX/24 at XXXX XXXX. I have asked them to stop contacting me and my co-signer because they call all day nonstop to the point where we get in trouble at work because our phones are constantly ringing. They call every 30 minutes it seems like. We block one number then they call from ten other numbers. It feels like harassment at this point. I cant even function throughout my day without them calling my phone. Its constantly vibrating if I put it on do not disturb they call until the call goes through.
Product: Debt collection

Portfolio Recovery Associates Account # XXXX is attempting to collect on a debt of {$550.00} that I do not owe to them. I have requested information pertaining to the debt and have yet to receive any documentation validating debt and said amount. They continue to call and try to collect on said debt.
Product: Credit reporting or other personal consumer reports

I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Product: Money transfer, virtual currency, or money service

I apparently entered some information with this company. I saw they had no service of interest to me. I closed the web page with the company called Dave, Inc. 
They started billing me {$1.00} often on a XXXX XXXX checking account. Absolutely fraud and an abusive  business practice. I am an attorney, so I think I know fraud when I see it. Of course, this is only my opinion, as all of this happened about 2-3 months ago and so my visual recollection-might be missing something, but I doubt it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a collection in the amount of {$640.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and I agreed to a pay for deletion with XXXX XXXX. I have provided a copy of the check for {$350.00} dated XXXX payable to XXXX XXXX XXXX , XXXX. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late paying my accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I disputed the accounts with Equifax but they did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not a duplicate - please consider this a NEW complaint. 

This is the fourth time Ive written to you regarding Experian. The company failed to properly reinvestigate the XXXX  account. My first dispute with them was on XX/XX/2020. Today is XX/XX/2020 and theyre are still reporting inaccurately for the account and have the dispute sitting in progress. They have had 7 opportunities to correct the report and yet every time I dispute they leave the same information reporting. They need to be held accountable. 

I have asked for documentation from the data furnisher XXXX XXXX XXXX on the unauthorized charge. However, they have not provided nor can I get ahold of them because mail is returned and phone is non working. 

Specifically, Experian has violated my rights under Article FCRA section 611 ( 15 U.S.C. section 1681I ). 

XXXX and Experian has violated my rights under FCRA Article-sections 611 : 1 thru 5. 616 : a thru d. 617 a thru b. 623 ( a ) 1 thru 2. 623 ( a ) 1 A thru E and 623 b. Furthermore, they violated 1022.43,  as they failed to correct the inaccuracies or provide documentation to my request. 

I asked for an itemized statement of charges, proof of authorization and communication documentation but have not received. 

This is getting to be a big headache and in the mean time my credit is suffering. They need to be held accountable for their lack of following the law!
Product: Money transfer, virtual currency, or money service

on XX/XX/23 I completed a XXXX  XXXX  XXXX  for items, the seller said he would ship after receiving payment and proceeded to block my account and delist his listings. I took screenshots of the exchanges, I have his XXXX information, his cellphone number, his full name and license plate numbers. 

I want the bank information from his side of the XXXX transfer for my police report and I want the money returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end customer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

my credit card information was stolen on 3 consecutive cards with TD. I spoke to a representative XXXX XXXX who spoke to both XXXX and the TD fraud department as well as credit card department. I was told I had to cancel token as this was the way the fraudster was access the information. I was given three new card numbers and each time the information was charged not shortly after by fraudster. I was told by TD that there was nothing they could do and this would be my responsibility to resolve. I was forced to cancel my credit card account hurting my credit score due to TD and XXXX XXXX inability to keep my card information from being stolen weeks after receiving a new credit card number.
Product: Credit reporting or other personal consumer reports

I REQUESTED VALIDATION FROM EACH BUREAU AS I RECEIVED THAT THIS ACCOUNT WAS VERFIED AS MINES I FILED A COMPLAINT ON XX/XX/23 WITH YALL CONSUMER FINANCIAL PROTECTION BUREAU AND GOT A RESPONSE THEY VERIFIED ON XX/XX/23. I THEN SENT AND ASKED FOR A METHOD OF VERIFICATION OUT TO EACH BUREAU ON XX/XX/23 WHICH I HAVE NOT GOT A RESPONSE TO MY DISPUTE. PLEASE RE-INVESTIGATE AND SEND METHOD OF VERIFICATION OR DELETE ASAP!!!! 

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX 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: Vehicle loan or lease

Original price {$17000.00} ... charging me XXXX XXXX interest which currently I've paid over {$44000.00} and they say I still owe XXXX  more payments at {$610.00} per month! On time and most early payments ... my monthly payments were {$510.00} in beginning then went to {$610.00} per month for over XXXX years now ... I feel that they have violated my consumer rights and illegally inflated fees and fraudulent excuses... they are so deceitful in their business practices with me and I want an investigation into my account and full and transparent accountability of all inflated and I'm sure fraudulent charges. They have deceived me and have collected more than {$44000.00} from me for a XXXXXXXX XXXX  car costing {$17000.00} and they still insist I owe XXXX more payments! This ( my loan ) has to be one of the worst cases ever and needs to be seriously investigated. I'm disappointed that after I submitted XXXX previous complaints to you that absolutely nothing has been done regarding the money that has been illegally obtained from me due to blatant and deliberate deceit to the consumer, me! If you take no real action this 3rd attempt to file a serious complaint against American Credit Acceptance I will make it known through social media and via contacting the various media outlets to get an investigation and legal action taken to rectify and reimburse my funds obtained fraudulently.
Product: Checking or savings account

I opened my Bank of America Checking Account in XX/XX/XXXXin XXXX as a XXXX. I was told that no fee required, even maintenance fee. However, Bank of America started charging for the maintenance fee since XX/XX/XXXX for a total of 6 times ( {$72.00} total ). I found out on XXXX XXXX and called them to ask if that was a mistake. They told me that they changed their policies, but they could not provide any evidence that they notified me of this change. One of the customer representative said they did not have the responsibility to notify me. I asked for a refund. But they only agreed to refund me {$36.00}, which is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I submitted Dispute with ( Transunion ) on XX/XX/2022. On XX/XX/2022 They advised me it was verified however I did not receive anything in the mail, Just email saying information was " Updated ''. That was not what I requested.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open account associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open account issue, Since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open account issue had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open account on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed withinthe specified timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 XXXX : {$10000.00}.
Product: Credit card

On XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from Barclaycard requesting that I contact them regarding my XXXX XXXX XXXX XXXX MasterCard account # XXXX. They stated that they had placed restrictions on my account. I had called Barclaycard about a week previously requesting a replacement card because I had accidently destroyed my current card thinking that it was a XXXX issued card which I had cancelled so I was surprised to receive their letter. An agent named XXXX who refused to give me his ID number or last name asked me many questions for 20 minutes, placing me on hold repeatedly while he checked with someone. I am almost XXXX XXXX XXXX and have a XXXX so this was tortuous. I found XXXX XXXX, bordering on rude. He demanded that I FAX to him at XXXX my Social Security card, drivers license, utility bill, passport, or birth certificate in order to verify my identity. I found this extremely invasive and did not want to risk identity theft or fraud ... but I did FAX Barclaycard a copy of my utility bill. Today XXXX XXXX, 2016, I received a call from a XXXX, ID # XXXX, who told me that our utility bill was not sufficient, that I must FAX my Social Security card, drivers license, passport, or birth certificate in order to verify my identity. I told her that I was not willing to do that, that I may be old, but I do not consider myself foolish nor would I risk sending such private identity information to a credit card company just to verify my existence. I had had enough. I asked that she transfer me to Barclaycard Customer Service so that I could cancel my credit card because I wanted nothing to do with Barclays Bank of Delaware ever again! She told me that she WOULD NOT transfer me to Barclaycard Customer Service and THAT I COULD NOT CANCEL MY CREDIT CARD ACCOUNT until she received copies of my Social Security card, drivers license, passport, or birth certificate. That is simply absurd. Barclaycard is holding me hostage ... indeed! I strongly protest! There are no charges or bills pending on my account and all past bills have been paid in full and on time. Can you please help me? Thank you very much. 

FAIR RESOLUTION : Allow me to close my XXXX XXXX XXXX XXXX MasterCard account # XXXX credit card account with Barclays Bank XXXX Delaware doing business as Barclaycard without prejudice and make certain that any and all credit reports show that my account was OPEN and IN GOOD STANDING, that all past bills have been paid in full and on time, that I requested the closing of my credit card account, and it was NOT closed at credit grantor 's request.
Product: Debt collection

I sent a certified return receipt letter to Commonwealth Financial Systems @ XXXX XXXX XXXX XXXX, PA XXXX on XX/XX/XXXX. It was signed for on XX/XX/XXXX in reference to what they claim is a medical bill I owe. I asked for them to validate this account and in response, a note was added to my credit file stating " meets FCRA requirements which I pulled today XX/XX/XXXX. I didn't receive any correspondence from Commonwealth Financial Systems stating how they validated the debt, I only got an invoice today XX/XX/XXXX with 2 additional accounts saying I owed an additional {$1100.00} and {$570.00}. I do not owe this debt collection agency and these 2 additional accounts were never in my credit file. I have previous copies of my credit file and would like help trying to find out what kind of scam this company is running! I do not want this company destroying my credit by doing this crooked mess because I disputed what they claim is a debt I owe them. I shouldn't be retaliated against for asking for validation of a bill they claim I owe them. The medical bills they say I owe are dated on the letter I received from them today XX/XX/XXXX as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please help! 
Also, I noticed that the account that was on my credit report as # XXXX For {$760.00} is not the account number that they sent me today XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

Bank of America are the biggest thives. 
They are charging fees, on top of fees, on top of fees. 
I have received an email on Thursday Morning at XXXX, from bank of america , that my account balance is {$26.00}. 
at XXXX, I have received an email that an ACH transaction was presented and that my balance dropped to $ XXXX. 
at XXXX ( before XXXX am ) while the transaction was still in process. I deposited {$300.00} into the account. 
I have a recipt from the atm that says that the balance in my account after the deposit is {$36.00}. No fee is chaged. 
I have autorized a transaction from XXXX at XXXX on the XXXX!!!! 
and received an email that it used prossesed on the XXXX. the transcation did not prossesed at BOA until XXXX on the XXXX!!! AFTER BUSINESS HOURS!!!! 
today XX/XX/27, i was charged 2 time {$35.00} overdrwon fees for both of the transactions!!! 
I understand that there was charge for the XXXX but NOT FOR THE {$290.00} TRANSACTION WHICH WAS COVERED WITH THE DEPOSIT!!! 
This is unacceptable and completely wrong!!! 
I have 3 other account with other banks and none of them is fee abuser as bank of america. 
Before I am reaching out to get legal advise with regards to this, I am requesting the fee to be returned to my account!!!! 

best regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX XXXX XXXX sent me {$4000.00} on PayPal after sending PayPal limited my account and ask for verification so I uploaded it and before it was even submitted they permanently limited my account said the money held would be held 180 days then I would receive a email letting me know about withdrawing my funds. XXXX XXXX later then disputed the payment I submitted my proof to PayPal who then ruled the dispute in my favor. So the money was still in my account and was held for 180 days I received an email from PayPal on XX/XX/XXXX that my funds would be available for withdrawal on XX/XX/XXXX so after XX/XX/XXXX I contacted PayPal several times almost daily all they would tell me was no information was available they didnt know when I could get my funds so I filed a complaint with consumer finance after filing one with the XXXX and they told them theyd get in touch with me to handle the situation but nothing was ever done. The money still in my PayPal almost a month later I filed my first complaint with consumer finance it still stayed in my account until almost a week later when PayPal reviewed the complaint that I made to consumer finance and when they reviewed the complaint they immediately took the money out of my account stating that the money had been charged back by XXXX XXXX bank but when I contacted XXXX XXXX no charge back had been filed by him or his bank. Now they are telling me PayPal revoked the money because they wanted to and have that right. I only want my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Delete these hard inquiries on my credit report I did not try to open these accounts and it is negatively affecting my credit score thank you for your time and consideration. 

XXXX XXXX XXXX XXXX Lightstream XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX