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

I have discovered that my credit reports from TransUnion, XXXX, and XXXX contain inaccurate personal information that I did not provide or authorize. This incorrect information does not accurately reflect my identity and has caused confusion and potential harm to my credit profile. Below is a list of the inaccurate personal information currently listed on my credit reports : Inaccurate Personal Information : XXXX. Incorrect Addresses : Reported Address : XXXX XXXX XXXX, XXXX, IL XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX These addresses are not associated with my actual place of residence. 
XXXX. Incorrect Phone Numbers : Reported Phone Number : ( XXXX ) XXXX This phone number does not belong to me. 
XXXX. Incorrect Names : XXXX XXXX XXXX. XXXX XXXX XXXX Correct Personal Information : XXXX. Correct Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX. Correct Phone Number : ( XXXX ) XXXX XXXX. Correct Name : XXXX XXXX Actions Taken : XXXX. Disputed Personal Information : I have formally disputed the incorrect personal information with TransUnion, XXXX, and XXXX. 
XXXX. Provided Correct Information : Along with my dispute, I provided proof of my correct address, phone number, and identity in order to ensure my credit report accurately reflects my personal details. 

Applicable Law : Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information on their credit report. Despite my formal disputes, the credit bureaus have failed to correct the inaccurate personal information. This failure violates my rights under the FCRA and continues to pose risks to my creditworthiness. 

Summary of the Issue : I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that TransUnion, XXXX, and XXXX correct the inaccurate personal information on my credit reports. These inaccuracies have caused harm to my credit profile, and I seek timely resolution to protect my credit history and personal identity.
Product: Checking or savings account

Hello, I have been a member of PNC Bank ( formerly BBVA ) in XXXX XXXX, TX for several years. Since PNC purchased and took over the company, I am continuously receiving rolls of quarters with nickels instead of quarters. Having reported this to the bank cashier several months ago, I am still receiving rolls with nickels ( at least one nickels per roll, sometimes more. ) This is leading me to believe there could be a mass fraud taking place. If anywhere from XXXX cents per roll are being kept by the bank, multiplied by millions, this is gross neglect and mass theft. I depend on coins for the operation of my small brick-and-mortar business. This feels wrong to me, and I would like to report this to someone who can hold the bank accountable and insure that measures are taken to remedy the situation.
Product: Debt collection

This complaint is about a storage unit # XXXX. 

I vacated the unit on XX/XX/year> and documented that with XXXX XXXX and they agreed I vacated the unit but my boyfriend left the lock on the unit because he believed it was the company ( XXXX XXXX ) s lock.

Instead of just cutting the lock ( which they do all the time regardless of what they say i know this from prior experience ) or more importantly, CALLING ME and

rectifying the situation, they saw fit to charge me an additional {$67.00} dollars even though I had already vacated the unit and removed my credit card from their system.

So now I have a collections account with AlliedInterstate in the amount of {$67.00} and this is absolutely asinine and outrageous that a company like public storage can make fraudulent charges to someones name and then hand that off to collections and ruin said individuals credit. 

I never authorized the {$67.00} payment / debt to be created and I was and still am under no obligation to pay any portion of it because it is literally FRAUD. I am not the only customer of public storages that has said this happened to. Ive read a number of pretty compelling accounts on their XXXX reviews stating that they used similar tactics on their other customers. 

I am currently disputing the debt with the collections company but they are not helpful and are only trying to do whatever they can to get me to admit to the debt which will not happen because it is a fraudulent debt.hat
Product: Credit reporting, credit repair services, or other personal consumer reports

As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. nder Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected XXXX : XXXX XXXX
Product: Debt collection

I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. V Gravens ( mo. ) 281 SW715.719 I presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove all accounts before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX balance {$5800.00}, XXXX XXXX XXXX XXXX {$1600.00}, XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX XXXX balance {$1500.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Product: Credit card or prepaid card

On XX/XX/2021 I transferred {$500.00} from my Bank of America credit card to a joint checking account also with Bank of America. Both of theses accounts are available to me through the Bank of America online website. I am the sole owner of the credit card but I own the checking account jointly with my daughter who requested this money to cover unexpected medical bills. I chose to transfer this money from one Bank of America account to another Bank of America account believing it would be the quickest, most convenient and cheapest way to accomplish and meet my daughters emergency need immediately. 

Much to my surprise I was charged a {$25.00} transaction fee on XX/XX/2021 and on top of that {$8.00} of interest during the statement cycle. It is unbelievable to think that an internal transfer from one account to another at the same banking institution should cost me {$33.00}. I am confident that Bank of America is capable of completing this kind of account transfer for pennies if any cost at all. If I was to annualize the {$33.00} cost we are talking about 79 % interest, this is usury and should be illegal. 

I reached out to a Bank of America 's branch associate at their XXXX XXXX XXXX in XXXX GA on XX/XX/XXXX and was told that they could not assist me and that I should call the XXXX number on the back of my credit card. I did not make this phone call and used my bill pay service at another bank to payoff the {$530.00} balance on XX/XX/2021 to maintain my XXXX FICO score. 

I have every intention of reaching out to an attorney for guidance on what app appears to me should be a class action law suit brought against Bank of America. If XXXX companies can figure out how to transfer money at no cost to the consumer then so should Bank of America, not to mention that ACH and CORE Processing capabilities for internal transfers at the same institution already exist at little to no cost. 

In closing, shame on me for not reading the 8 pt font three page legal disclosure that I got with this account 20+ years ago and shame on me for keeping this account open only for emergency situations just like the one outlined above. I expect the CFPB to fine Bank of America the maximum amount under the law for charging exorbitant fees to its customers. I can only imagine how devastating these fees can be on some American citizens struggling due to the lasting Pandemic and Economic crisis our country has been in for the last 18 months. SHAME ON BANK OF AMERICA!!
Product: Credit card or prepaid card

I was charged {$190.00} or a freezer I did not order that was delivered by XXXX to someone I do not know at an address I have never been to. I filed a notice of fraud with Bank of America but they concluded the charge was consistent with my transactions. I appealed the decision by going to the bank personally but all the manger did was call the credit card fraud line even though I provided a document showing the delivery occurred to an address amount XXXX miles from my home. It is true that I purchase merchandise from XXXX but this hardly seems like a reasonable explanation for denying a fraud claim.
Product: Debt collection

To Whom It May Concern : Id like to file an official complaint against Sallie Mae regarding harassing telephone calls and emails. My wife is a cosigner on three student loans our son received. I pay the monthly bill and my wife has authorized me to speak with Sallie Mae regarding the account. 
In late XX/XX/XXXX ( XX/XX/XXXX ), I mailed my XXXX monthly payment to Sallie Mae in the amount of {$320.00}. Starting on XXXX XXXX and daily through XXXX XXXX, we received emails from Sallie Mae implying our payment was overdue. During the week of XXXX XXXX, I received a phone call from Sallie Mae regarding this matter. 
So, whats the issue? My electronic bank records indicate my XXXX payment of {$320.00} cleared my XXXX account on XX/XX/XXXX. Despite this, we continued to get both collection emails and telephone calls weeks after my payment was received, and at least a week after it cleared my bank. 
I previously called Sallie Mae in XXXX to double check that the payment was being sent to the correct post office box and that the correct information was being included on the check. The representative I spoke with told me I was using the correct address and the information I put on the check was correct. 
These events that occurred throughout XXXX have been consistent for at least six months. My wife and I honestly dont know if this is incompetence on Sallie Maes part or an orchestrated attempt to try to get us enrolled in automatic payment, which we choose not to do.

We also dont know how to stop Sallie Maes harassing collection attempts that are being made in error.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The XXXX account is a business account that should not be reporting on my personal report and furthur more the debt was written off and should be removed by the credit bureaus from my personal credit report immediately. Account opened : XX/XX/year> Balance : {$28000.00} .... 
Account number :
Product: Credit reporting or other personal consumer reports

I never received proper debt validation as required by law. The burden of proof falls on XXXX XXXX and Rubin and Rothman to provide signed agreements, payment history, and a chain of ownership proving their legal right to collect. 
A default judgment was entered against me without proper service of process, violating my due process rights. I was never given an opportunity to respond to the lawsuit. 
The alleged debt has been reported to the credit bureaus without proper validation, which is a direct violation of the FCRA. 

i was not properly serves with notice of this lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act CITICARDS CBNA, 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Vehicle loan or lease

Trustmark Bank failed to request the title from Bank XXXX XXXX after entering into the contract on XX/XX/2021 making my payments for more than a year I went to renew my license plate and the tax accessor informed me I could not renew without contacting my lender, I called the bank and was told they had no title and they were investigating the matter, for 5 weeks I've been kept in the dark and accused of being some part of the problem. This transaction, the paperwork and loan signing took 3 days, 3 different loan officers, who I was told " were in training " this file was " misplaced '' twice and the signing was rescheduled XXXX XX/XX/2021 I met with the seller XXXX XXXX, at Trustmark bank where he, XXXX XXXX, gave all the original lenders information, Bank XXXX XXXX, the loan officers name who handled his original sell address and telephone number along with every detail regarding the original loan. Trustmark also has XXXX XXXX contact information as well as mine of course. I have bought multiple vehicles and never have I been responsible for requesting and re titling any vehicle to include the new lien holder information, nor was I asked to this time. But after 28 years doing business with Trustmark and going to the branch monthly for 13 months never being notified of any problem, I am now kept in the dark about anything regarding the issue I've been told that this was my mistake, that XXXX XXXX had the title, this is not true. Bank XXXX XXXX never received the proper paperwork from TRUSTMARK therefore the title was sent to XXXX XXXX 3 months ago. XXXX has had the original title for more than 3 weeks and still the only information I've been given is that this is my fault not Trustmsrks and I will have to wait it out. I am now 5 weeks past my expiration on my license plate. Not to mention I am astonished and completely out of patience with the unprofessional behavior that Trustmark has exhibited not one apology has been offered. I do 0lan to hire an attorney at some point but I refuse to let this behavior go, so that Trustmark can continue to disregard others as tho we're not important unless our account holds XXXX figures.
Product: Debt collection

I was injured in an accident. I am covered 100 % for accidents by my insurance company. Injuries required XXXX. I am covered 100 % for those provided the medical provider contacts the insurance company prior to treatment ( THIS IS IN MY FILE IN BIG LETTERS ... .I WROTE IT THERE MYSELF ). If they do this, I am covered 100 %. 

Bills came, and I was charged more than {$3000.00}. I explained and worked with the hospital repeatedly, for weeks, putting in more than 80 hours on the issue. The insurance provider allowed them to resubmit costs that THEY HAD NOT SUBMITTED PROPERLY BEFORE TREATMENTS. Despite this, they still did not do this right. 

I was told if I did not pay the $ 3K+ I would be turned into collections. I paid under total durress, and told them that. I contacted the ins. company, who hired a 3rd party mediator. Mediator found that they owed me that money back! I have an email for this. I forwarded the email onto the hospital, who became hostile. 

I was turned over to collections for what they now say is even more that I owe them, even tho I paid in full when I was never supposed to have to pay for anything. Now, suddenly, I owe them something even more?? 
The 3rd party mediator does not think so. Neither does my ins company. Both say the hospital did not submit bills right, did not correct them when given the chance, and is double dipping. 

I need help disputing this as now they have turned me over to collections and my score has dropped dramatically. I am a single mom of XXXX kids and now I can't even get a loan. 

When I " disputed '' this with TransUnion, and told them I have a letter of conclusion from the 3rd party saying I am owed a refund, they never even contacted me ... the just said at the end of 30 days that my " investigation into the disputed item was closed '' and I am found to owe the money ... No one on my side of the issue was ever contacted by Trans Union.
Product: Credit card or prepaid card

In XX/XX/XXXX, both my husband and I received offers on our American Express XXXX card accounts to earn bonus Starpoints by adding authorized users ( AUs ) to our cards. The offer stated that for each AU who spent at least {$1000.00} in 3 months, we would earn XXXX Starpoints, up to a maximum of XXXX points ( 4 AUs ). 

We both took advantage of the offer, added the AUs, and each of them spent at least {$1000.00} in well under 3 months. However, it 's now late XX/XX/XXXX, and we still have not received all of the Starpoints -- we each received only XXXX ( the bonus for one AU ), so we 're missing XXXX points each. As Starpoints are a very valuable points " currency, '' and not easy to earn, XXXX Starpoints is a pretty big deal. 

We 've contacted Amex multiple times about this, and even though Amex has confirmed ( multiple times ) that we did indeed earn the bonus points, they 've been stringing us along for MONTHS without posting the points. One customer service rep even tried to tell me that the offer was for just ONE authorized user and XXXX bonus points, but fortunately I had saved screen shots of the offer, which clearly says " up to XXXX points/4 authorized users. '' I also saved a conversation ( live chat ) that my husband had with Amex, in which they assured him that he HAD earned the points and that they would soon be posted. That was about two months ago : -/ Now we 've been told that Amex will " open an investigation '' -- which could take up to TWELVE WEEKS! -- into why the points have n't posted, which is just ridiculous : Amex OWNS the points, so all they have to do is post them to our accounts. 

We have a vacation planned for late XX/XX/XXXX/early XX/XX/XXXX, and I 'd love to be able to use the points to book our stays at XXXX hotels, but I ca n't commit to the hotel stays without the extra points we earned. I have even requested that XXXX intervene on our behalf to get Amex to release the points, although I 'm not sure that 's something they can do.
Product: Money transfer, virtual currency, or money service

I received XXXX from my pastor and PayPal refuses to let me have access to my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX XXXX, and Experian asking them to remove the account XXXX XXXX Account # XXXX from my credit report because this account is Deficient of Physically Verified Validation. XXXX XXXX XXXX is in violation of the FDCPA U.S. Code 15 USC 1692e 807 False or misleading representations, and U.S. Code 15 USC 1692g section 809 Notice of debt ; contents. XXXX XXXX is trying to collect a debt on behalf of XXXX for the amount of {$1300.00} that i do not owe. It's reporting on all three of my credit reports as a collection account. Account # XXXX. I notified XXXX XXXX in writing that i was disputing the debt and to please send me a validation of debt per FDCPA section 809 ; Please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is their authorization of law for your collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Please evidence their authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. They have yet provided this information which is in violation of the FDCPA. XXXX XXXX, and Experian have yet to remove this account from my consumer report which is a violation of the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Their failure to positively verify the account XXXX XXXX Account # XXXX has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account.
Product: Credit reporting or other personal consumer reports

Re : Dispute of XXXX XXXX Account XXXX. XXXX Dear [ Credit Bureau XXXX, I am writing to formally dispute the inaccurate reporting of late payments associated with my XXXX Mortgage account listed on my credit report. This account was in an active forbearance agreement, and as such, late payments should not have been reported during the forbearance period. 

Under the XXXX XXXX and related consumer protection laws, creditors and lenders are required to report accounts in forbearance as current if the borrower was current at the time the forbearance was initiated. Since my account was placed in forbearance during this time, any late payment notation is inaccurate and in violation of federal guidelines. 

The late payment notation on my credit report is misleading and is causing unnecessary harm to my credit profile. I am requesting that this inaccurate remark be promptly investigated and removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a thorough reinvestigation of disputed information, per Section 1681i ( a ). I am asking that you verify the reporting accuracy of this account with XXXX XXXX  and ensure compliance with all relevant laws. 

To assist with your investigation, I have attached copies of the following : XXXX. The forbearance agreement from XXXX XXXX  ( if available ). 
XXXX. A copy of my most recent credit report highlighting the disputed late payment. 

Please provide written confirmation of the results of your investigation within XXXX  days of receipt of this letter. If this late payment is not removed, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate agencies. 

Thank you for your prompt attention to this matter. You XXXX contact me at [ your phone number ] or [ your email address ] if additional information is needed. 

Sincerely, XXXX XXXX XXXX Let me know if XXXX like to customize this further.