23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I received an email from Paypal indicating a payment ( which I did not perform ) was successful. The amount was {$35.00}. I cross referenced with my bank account to ensure no such amount was deducted. I called Paypal today XX/XX/2021 to learn the email received was possibly a scam. My account with Paypal was also placed on limited access which limits me from removing the card on file as well close my account. In order to do this, Paypal wants an uploaded copy of my ID as well as proof of address in order for them to remove this restriction. Why would I upload personal information as such if my account was potentially compromised. I should be able to delete the card on file and close my account. There are no outstanding payments in or out of the account. Paypal has a history of compromised accounts where I can see how if I don't even have the capability to delete a card on file. My information is being stored with easy access should their files become breached. This can not be an acceptable practice.
Product: Debt collection

XX/XX/2016 I SENT A DEBT VALIDATION REQUEST, CERTIFIED MAIL, FOR ACCOUNT # XXXX WHICH WAS RECEIVED BY LVNV ON XX/XX/2016. I NEVER HEARD OF. I REQUESTED INFORMATION ON THE ACCOUNTS AND NEEDED TO KNOW WHAT THEY WERE FOR SINCE THEY WERE ALL LISTED AS " XXXX XXXX '' WITH DIFFERENT AMOUNTS. I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX AND NEVER HEARD OF THEM UNTIL THESE ACCOUNTS WERE LISTED ON MY REPORTS. I AM CONCERNED WITH IDENTITY THEFT ON THIS ISSUE. 4 MONTHS HAVE PAST AND STILL HAVE NOT RECEIVED ANY ANSWER TO MY REQUESTS. I HAVE DISPUTED THESE ACCOUNTS THROUGH THE CREDIT BUREAUS AND THEY CAME BACK AS VERIFIED. ATTACHED IS THE VALIDATION REQUEST AND CERTIFIED MAIL RECEIPT.
Product: Mortgage

I have been working with Select Portfolio Servicing on a loan modification for the past several months. When I was finally offered a modification, it was for a HAMP Tier 2 mod. However, all of the paperwork I was sent shows all of the loan modification that I did NOT qualify for and their terms and conditions. It did not show the terms and conditions of my current loan modification. I was told that I needed to make 3 trial payments and that I would then receive the terms and conditions. However, the trial payments I have been making is the same amount I was paying prior to the loan modification. I called and questioned if this were truly a modification, then why would I be paying the same amount as before? They could not answer my questions and put me on hold several times and just told me I had to wait for my paperwork to arrive.
Product: Checking or savings account

Apparently I have a XXXX  account with Bank of America. I figured it was opened as part of a program or some sort of reward. A routing number was included as well as bank account number and funds distributed to the account. 
I have been a customer with Bank of America for XXXX  years and have been offered many different banking options. 
There was a deposit date and funds that I can access from online. I saw that the bank opened the account in XXXX of this year. Every XXXX  of the month they have been withdrawing a {$4.00} monthly fee from that account. When digging deeper and trying to access these funds I was told that the account was frozen and to contact the XXXX XXXX XXXX department. Which I did. I was on hold and was transferred to XXXX departments. I ended up having to call back about XXXX times that day. I was transferred and told that they couldnt transfer me and then sent to a voice message and also disconnected on. I was given a number to call and then told by that person that no I have to call that same number I called before to be connected to XXXX department. Then I was transferred to someone named XXXX and she told me that her transferring option doesnt work that I have to call back the original number. At the XXXX call I got someone on the phone who told me that there was a claim number and that she couldnt access it. I forgot to mention I was told in maybe the XXXX nd call that I would not receive any notifications about the issue and that no one will contact me and if I want information I have to keep calling back. When I questioned that and asked how is that possible that I have never received any notifications about this account and if anything I was told that thats not what they do. The final call told me that she cant access the claim information and that I have to call back the original number and ask them for a claim number and that she was transferring me, she transferred me and in that transfer the phone call hung up and ended. I was told that it would take XXXX days to review the case but however the account was frozen since XXXX, we are now in XXXX, and that they will continue to keep charging the account every XXXX of the month and have no exact idea when the review will happen. I said I wanted it closed as I have no understanding of what is going on with the account and no information as to what and how it started. I was told that they can not close it and if I want more information I just have to keep calling back. But they have no information and no notes are listed on the account in terms of issues or anything. Absolutely nothing. And again they never sent a notification nor would they ever send me XXXX in the future.
Product: Checking or savings account

On XX/XX/2023, I filed a complaint with Chime bank regarding a purchase that I did not receive. I uploaded supporting documents showing the purchase date and the email communications where I attempted to resolve the issue with the merchant and also requested a refund that was refused. The merchant indicated that they could not issue a refund because Chime bank never released the funds to them. 

Chime claims that they are investigating the dispute and will resolve by XX/XX/2023 - XXXX months from the transaction and dispute date. They refuse to refund me or credit my account pending the investigation. 

I am unable to speak to the investigators and customer service only repeats the same basic information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am contacting you once again because these credit agencies keep reporting accounts that do not belong to me and I want them removed from my credit report at once and permanently not just for a few months and then when my credit score gets good then they report again. These companies are committing fraud and need to be stopped at once. I have written these companies and submitted police reports over and over yet they do nothing. I am XXXX and pay all my bills one time and Im a single mother of a XXXX child and these companies are destroying my life by the fraudulent reporting they do and they need to be stopped. I want this account removed off my credit reports because it doesnt belong to me and it is fraud Name XXXX XXXX  Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/2019 Status Collection account. {$1500.00} past due as of XX/XX/2019. 
Status Updated XX/XX/2019 Balance {$1500.00} Balance Updated XX/XX/2019 Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms Also XXXX and experian are reporting new hard credit inquiries from XXXX XXXX XX/XX/2019 which are fraudulent and do not belong to me and I want removed immediately off my credit report and also XXXX XXXXXXXX Inquiry from XX/XX/2019 + Bank XXXX Card Inquiry from XX/XX/2019 + Bank Which are fraudulent and do not belong to me and I want removed off my credit report at once. And I want those XXXX XXXX people to delete my information from there data base because it is fraudulent and that account that they are reporting doesnt belong to me and I want it removed at once.
Product: Prepaid card

There was an unauthorized charge on my vanilla gift card. 

purchase date : XX/XX/year> Amount : {$300.00}
Product: Credit reporting or other personal consumer reports

I noticed that my credit profile had been compromised & immediately contacted the authorities ( police report ), & filled out an FTC Report as well ( notarized ). I notified the Credit Bureaus as well as the unauthorized Creditors on my profile. I decided to escalate the dispute when they were not trying to accept my legal rights of fighting for my identity with documented proof.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXwas 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 those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX 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 card

-- Price gauging with foreign transaction fees at Bank of America BankAmericard credit card -- I was charged a foreign transaction fee in the amount of 3 % of the transaction value for the purchase of a rental car at XXXX, which I charged to my BankAmericard credit card. The purchase was in XXXX. A nominal charge of 0.5 %, capped at a certain max. transaction value, would be acceptable and fair on transactions in foreign currencies, but 3 % is price gauging.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$4200.00} XXXXXXXX XXXX XXXX Balance : {$26000.00} XXXX, XXXX XX/XX/
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestment of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward Consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the FCRA 15 USC 1681, everything must be 100 % accurate. 

Can you please investigate my consumer report and ensure that everything is 100 % accurate? I have a list of accounts below : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3.00} {$0.00} XXXX. FXXXX XXXX XXXX XXXXXXXX {$270.00} Inquiries : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX 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 XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX 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 an account without my written instructions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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- @ ( 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.

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 Respectively, can you please provide /send a copy of my investigation? 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act DPT EDXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

After checking my XXXX XXXX, I found a few late payment entries on an account where I have always paid on time. Account Name XXXX XXXX Number XXXX If you can't provide evidence of these late payments, I insist that they be corrected immediately to show my payments as on time, as I have consistently met my payment responsibilities without any delays.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX  XXXX XXXX XXXX, GA XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$55000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$140000.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$23000.00} XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I had made a purchase on my card and I was told by the dentist that it is deferred interest and that I would not be charged interest if I pay off the entire amount. I understood that whatever balance was left they would charge interest. The initial charge was $ XXXX and my balance was now {$900.00}. They charged me over {$400.00} in one lump sum in interest for the {$900.00}. I asked them about it and I said so basically if I even only owed {$100.00} you would still charge me {$400.00} for deferred interest? They said there are some exceptions that can be made. When I asked if they can reduce the {$400.00} since I have paid over half of it they said no. 
This was is called a promotion. So now hearing this I have another promotion that will end in XXXX with a balance of {$370.00}. I made a payment last month of {$150.00} so I can pay off the {$370.00} before XXXX. Then I called to get my balance, and noticed that the promotion balance was now showing {$310.00}. I asked them why it was only showing that amount and where did the other {$100.00} go? They said I would have to call in and allocate my payment to be applied to the promotion. Something else I was never told.
Product: Debt collection

Contacted my ex-spouse, have been divorced over 15 years. Never heard of this company and the nerve to contact an ex or even a current relative is unacceptable.
Product: Checking or savings account

On Friday, XXXX XXXX, TCF Bank of Minnesota changed over its procedures for online account access ; that is, the previous access page was no longer operational and customers were directed to a new page on which they could create new logins, passwords, and security questions. ( There was no option offered to " '' remind me later. '' ) I erred in creating the new information. This meant I needed to call for help. I was placed on hold for approximately 20 minutes, listening to the loop of ads for the bank. When I was connected to a person I was helped -- more or less -- but found that while I could now access the account from the computer on which I 'd been helped, I could not do so from my other computer. I needed to call the next day and experienced the same long wait and loop of ads. This time the CSR could not resolve the problem ; I was offered a callback from the bank 's IT staff in " two or three days. '' We 'll see. My complaint is not that TCF was in any way crooked or conniving, but stingy or just XXXX. An instant changeover means many customers with problems ; in turn, this requires a large staff. It was evident that there were not enough staff and that the staff was not sufficiently well-trained. As a result, I -- and I 'm sure a huge number of others -- were poorly served by TCF.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Formal Complaint Regarding Violations of Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Specifically, violations include breaches of FCRA regulations ( 15 U.S.C 1681 Section 602 A and 15 U.S.C 1681 Section 604 A Section 215 U.S. Code 1681c '' 2 and 15 U.S Code 1681b ) RE : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX As a informed customer I am writing this letter for your prompt attention to this matter I have studied the laws to be able to understand a correct my situation and to be able to have a flawless credit report which is very important for someone to be able to live a decent life and obtain a home a vehicle and other necessities in life especially being a single mother, this inaccurate reporting as disputed previously which is unlawful reporting furthermore has been detrimental to my livelihood as well as my inability to obtain new credit as well any credit at all. I am writing to address severe violations of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). It has come to my attention that certain creditors have reported accounts without obtaining my explicit written consent, thereby infringing upon my privacy rights and violating FCRA regulations. Furthermore, the financial institution involved has failed to provide me with the option to opt out of disclosing my non-public personal information to non-affiliated third parties, as mandated by the XXXX. 

Outlined below are the inaccurately reported items, complete with their respective account numbers : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Under the Fair Credit Reporting Act, specifically 15 U.S.C 1681 Section 604 A Section 2 and 15 U.S.C 1681 Section 602 A, these accounts must be promptly removed or deleted until I provide written authorization.

Moreover, in accordance with 15 U.S. Code 1681c '' 2, consumer reporting agencies are obligated to block the reporting of any information stemming from suspected identity theft within four business days of notification. Despite my identification as an identity theft victim, these items remain on my report well beyond the mandated timeframe, constituting a blatant violation of federal law. 

Additionally, as per 15 U.S Code 1681b, consumer reports may only be furnished with the explicit written consent of the relevant consumer. I have never granted such consent for the inclusion of these items on my report, rendering their presence a violation of my federally protected rights as a consumer. Absence of consent equates to identity theft. 

I demand immediate action to rectify these violations, including the removal of the inaccurately reported account from my consumer report and the provision of the option to opt out of disclosures to non-affiliated third parties, as required by law. 

I expect prompt resolution of this matter and thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX
Product: Debt collection

National Credit Adjusters ~ XXXX XXXX ( XXXX XXXX XXXX contacted my employer advising that there is a serious personal matter that needed resolution.
Product: Debt collection

This company called an old acquaintance of mine who has never lived at the same address as me. A representative of this company disclosed the alleged amount owed and to whom I owed it to before even validating the debt. They can not tell where or from whom they received this contact information. They can not tell me from who or where they received this contact from. They have information about me unrelated to my alleged debt that they are using solely to Bully, intimidate and harass me. This is unethical and unlawful.
Product: Checking or savings account

My business checking account had an unauthorized withdraw of XXXX $ in XXXX of XXXX. I have disputed the ach withdraw for the last year and a half with chase bank with XXXX XXXX XXXX  times of the claim being denied for different reasons. such as no police report, I then got a police report did not file with in time, we had reported originally with in their time frame. They also claim since we have received payment from another account at the merchant before that all transactions from that merchant are valid. I have a police report and documents at the city of XXXX XXXX  with the case number XXXX
Product: Debt collection

I had someone deliver someone else 's summons for their credit card debt to my house instead of the proper persons house. The guy knocked on the door and then just left the summons under the door mat. This debt clearly isn't mine yet, I know all about who this person is and the debt they owed. Violates privacy rights of this person and harassed me unnecessarily. 

This same person damaged my video doorbell when delivering some other summons. 

I am sick of being harassed about debts that don't belong to me.