23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX my computer was hacked into. I couldn't clear it or do anything, there messages & recordings saying something had happened with XXXX and I had to call them. I called and spoke to " XXXX XXXX employee # XXXX from XXXX XXXX. He said he needed access to my computer to run diagnostics to see where the breach had occurred. He said he saw that hackers were using my accounts to purchase gift cards at XXXX, XXXX and XXXX and on XXXXXXXX XXXX  and XXXX. He kept showing me screens that looked like transactions on my accounts. He had me on the phone for over 2 hours saying that XXXX was doing all they could to keep me & my information safe. 
Eventually he said that the hackers were trying to do a transaction at XXXX for {$11000.00} and he needed to do a wire transfer from my account at XXXX to counter act the transaction. He assured me the money would never leave my account and this was the process. He had control of my computer the whole time through XXXX. I was panicked and confused after so long on the phone. It was after the wire transfer was initiated and he told me not to call the bank that I became concerned that he was the hacker. I was never contacted by XXXX to question the activity on my account even though I had never made a wire transfer. I called them to report the activity to try to stop the wire transfer, but it was already sent and they could not recall it. I filed a claim & reported the fraud. I went to a XXXX branch and a banker helped me close my checking account and open a new account. After the hacker realized I had called the bank, he still kept trying to contact me saying that XXXX was sending me back the {$11000.00} and provided a refund id # XXXX. 
I have been working with the XXXX XXXX XXXX XXXX XXXX and have gotten no resolution. Every time I call I am given different information and different versions of the their process. They are trying to get the wire transfer reversed from XXXX XXXX. 
It has been 2 weeks and as of this morning they say XXXX XXXX has not repsonded.
Product: Debt collection

Original Creditor ( XXXX XXXX  Balance- {$5600.00} ) debt was charged off in XX/XX/2024. I'm filing a complaint for a dispute of harassment and threats of payments and am requesting : 1 ). A Full Detailed list of payment history for account.

2 ). The Original Signed Contract I agreed to the contract for the creditor 3 ). The Insurance Claim filed on this debt.

4 ). The Chain of Title you have to collect this debt. 

According to 15 U.S.C 1692g Debt Collectors must send a written validation notice to consumers within five days of their first contact about debt collection. 

According to 15 USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communications. 

I was threatened, forced, harassed, stalked excessively by all communications for income garnished, house being taken, lawyers, lawsuits, excessive fees, if I didnt arrange a payment by XX/XX/2024. 

I am requesting Original Signed Contract, Debt Validation, Insurance Claims, and Chain of Title to collect debt documents with 3rd Party Collection Agency ( Weltman , Weinberg & Reis Co., LPA Debt Collector ) for a charged off debt from Original Creditor ( XXXX XXXX  ). The debt ( {$5600.00} ) owed to XXXX XXXX  was charged off XX/XX/2024. I should have never been coerced to repay another agency for the debt written off, requesting insurance claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters addressed to the Credit Bureaus requesting that they investigate and update my Credit File from erroneous reporting and yet they have done nothing! I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian, and XXXX has not responded to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the follwing accounts : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 and XXXX XXXX XXXXXXXX XXXX Balance {$8600.00} Date Opened XX/XX/2014 as I believe these accounts were reporting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian and XXXX to remove this information on my report as it is incorrect. 
They never did!
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was breached during the latest Equifax hack according to their own notification website. 

I have never provided information directly to Equifax and I believe it is wholly unfair that they have access to my information indirectly and are irresponsible with said information to the point that it was accessed by a third party.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax did not fulfill their obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate and unverifiable information on my report. Equifax consistently reports the information within XXXX hours stating that the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act 12 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the recent administrative proceedings against them for similar violations. I request that CFPB take action to ensure Equifax complies federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

CITI CARD IS REFUSING TO HELP WITH A VERY WELL DOCUMENTED OVER-BILLING for {$250.00} on a 2-night Hotel stay - for XX/XX/XXXX-XX/XX/XXXX. The proof of prepayment to the 3rd part hotel site- XXXX ( similar to XXXX ) is attached. The XXXX hotel has also received 3 disputes letter from us since XX/XX/XXXX about the surprise {$250.00} charge after our stay and is also dishonest. 

XX/XX/XXXX Dear Citi Card Re : Customer Disputes, There is a problem with our charge for {$250.00} on our XXXX that ends in XXXX For the XXXX XXXX XXXX XXXX, VA. 

The hotel reservation was PRE-PAID on XX/XX/XXXX on a 3rd party site called XXXX, for {$250.00} on A DIFFERENT XXXX CARD THAT ENDS in XXXX. ( PROOF w/ a copy of our XXXX XXXX XXXX statement for the payment for the hotel to XXXX is attached. Upon Check in the hotel took our XXXX that ends in XXXX. 
For incidentals only, including the pet fee of {$30.00} for our XXXX XXXX XXXX XXXX. 

About a week later, after noticing a fraudulent charge for {$250.00} on my XXXX XXXX that ends in XXXX which is a second charge in addition to the {$32.00} incidentals charge, I wrote to the Hotel XXXX XXXX XXXX on XX/XX/XXXX and notified them of their mistake with the charge on our XXXX for {$250.00} because we had pre-paid, and we never signed an agreement or obligated ourselves to a double payment for our 2-night stay. They agreed when we checked in that we had PRE-PAID. 
- They never responded. 
- On XX/XX/XXXX I sent a second letter regarding the dispute for the fraudulent charge for {$250.00} after our stay and demanded a refund. This time I sent a letter to the XXXX XXXX XXXX. 
- Today, XX/XX/XXXX I received a letter, only 1 month later, making the false claim that they charged us the {$250.00} for the pet fee which were already paid. They falsely claim that our dog had fleas, which he does not. 
- They are lying and deceitful. I attached proof that our dog takes a flea and tick preventative monthly. 
Dear XXXX, please credit our account in full for the fraudulent charge for {$250.00} form the XXXX XXXX XXXX immediately as they are deceitful. 
To XXXX XXXX XXXX, ccd in this letter, our report will also be for the Better Business Bureau of XXXX, XXXX and all of the social media sites to educate people on how crocked your hotel is. 
Unless you can come clean by next Wednesday, XX/XX/XXXX when we file complaints against you to harm others that your hotel is crooked. 

CITI CARD : Please update me in writing and as soon as possible on this dispute for {$250.00} immediately. ( TO BE CLEAR THAT {$250.00} for XXXX XXXX charged by them fraudulently as a second payment on a 2- night stay- on our CITI XXXX that ends is XXXX must be refunded ). 

Thanks and Regards, - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX, Va XXXX PROOF OF DOUBLE PAYMENT IS ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Best Regards : Next, I will share with you a letter that I have sent to the Credit Bureau ( Experian ) and to the Collection Agency " RECEIVABLES PERFORMANCE '', this letter can be consider as a complaint letter and it will provide you with the details of my complaint. 

Credit Reporting Bureau : XXXX Address : XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam. 

The collection account that was recently placed on my credit report on XX/XX/XXXX under the name of RECEIVABLES PERFORMANCE account # XXXX was previously Reported as Fraudulent and Deleted on the credit report of XX/XX/XXXX and your report # XXXX shows these item was deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not  reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. 

Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ Experian ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ Experian ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ Experian ]. 
Account Information : Creditor Name : XXXX  Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ Experian ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and XXXX 
The violations committed by [ Experian ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ Experian ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ Experian ] upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ Experian ] accountable for their actions. 
Sincerely,
Product: Money transfer, virtual currency, or money service

PayPal permanently banned my account. I comply with their legal agreements and Acceptable Use Policy, but they instantly shutdown my account without prior notice. I don't have any filed cases and disputes with my account. I just don't know why they have to do this kind of act, they suddenly banned my PayPal account, without me knowing what did I do wrong that violates their policies?

So I hope they restore my PayPal account because this is not reasonable, banning my PayPal account instanly, while I am complying their legal agreements. I didn't do anything that will go against their policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Debt collection

Lvnv is trying to collecrvon a debt that does not have my social security number whenni call they can not talk because it's not my ssn but it's on my report and they will not take it off I went on line and try to get account information I can't it's not my ssn Also this debt has been deleted and re-inserted which I am to be notified by credit regulations This company is breaking more than one law by keeping it on my report
Product: Credit card or prepaid card

A indigo credit Card was opened in my name. Now its been reported on my credit as closed account due to inactivity but still reporting of payments has been late and then on time the next month.
Product: Debt collection

on XX/XX/2024 I contacted Midland Credit Management via certified mail in regards to a debt they are attempting to collect from me and inaccurately reporting on my credit report. In response they sent me an online credit card statement which does not validate this debt. I contacted them again via certified mail and in response they sent me back the exact same credit card statement.
Product: Credit card or prepaid card

Hello, I am trying to close my XXXX XXXX Credit card through TD Retail Card Services. 

I did not request this card nor was I informed that my financing option was through a new credit card. One I canceled my purchase from XXXX, I have been unable to reach TD to cancel my card. I can not cancel my account online or via email and have spent over 2 hours on hold on numerous occassions to try and close this account. 

All I want is to close an account I did not want in the first place. 

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

My identity was stolen and I reported it to the credit bureaus. They have my information reporting wrong and theres increased from XXXXXXXX XXXX XXXXXXXX XXXX  and from a lot of car loans in XXXX XXXX that I did not fill out for and they keep calling harassing me they will not stop calling me lol XXXX keeps calling me and they sold or linked my information out that I did not give consent to and they just keep calling sending emails about payments of about {$10000.00} that I owe and I dont know that and theyre reporting to the SBA into people the wrong credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving an issue with inaccurate credit reporting by XXXX XXXX XXXX XXXX ( XXXX ) regarding an auto loan that has been fully paid off. Despite satisfying this loan in full, XXXX XXXX continues to report the loan as unpaid/late on my credit report, negatively impacting my credit score and financial standing.

Credit Reporting Issue : The loan is still being reported as unpaid/late on my credit report.

Supporting Documentation : Proof of Payment : Attached is a copy of the letter from XXXX XXXX confirming that the loan has been paid in full. 

Title : I have also attached a copy of the title to the vehicle, which further evidences that the loan has been satisfied. 

I have made several attempts to resolve this issue directly with XXXX XXXX, but unfortunately, they have not corrected the reporting error. I am requesting that the CFPB assist in ensuring that XXXX XXXX updates my credit report to reflect the accurate status of this loan as " paid in full '' with a XXXX balance. 

This inaccurate reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to credit reporting agencies must be accurate and complete.
Product: Credit reporting or other personal consumer reports

I RECENTLY DISCOVERED AN ACCOUNT ON MY CONSUMER REPORT THAT DOES NOT BELONGS TOME, I REQUESTED A XXXX FORM THAT SHOWS MY BARE SIGNATURE AND IT WAS NOT PROVIDED TOME. I AM ASKING THAT THIS ITEM BE DELETED FROM MY CONSUMER REPORT AS IT IS A DIRECTVIOLATION OF MY CONSUMER RIGHTS AND THE FCRA VIOLATED WHICH STATES COMPLETE ANDACCURACY AND SHOW WITHOUT A DOUBT THAT THE ALLEGE DEBT BELONGS TO ME, BECAUSE SAIDINFO HASN'T BEEN PROVIDED AND MY RIGHTS AS A CONSUMER WAS VIOLATED UNDER THE 15 US1681B I DEMAND REMOVAL ASAP OR I WILL BE FILING A LAWSUIT TO PURSUE FUTHER ACTIONS. THEACCOUNT IS XXXX XXXX XXXXXXXX PLEASE REMOVE ASAP
Product: Mortgage

We recently refinanced with Freedom Mortgage. We attempted to close on three different dates. The last two times, we received the closing disclosure ( CD ) less than 3 days before closing. The final time, we received the CD on Monday evening ( at approximately XXXX ) and closed on Wednesday at XXXX XXXX. On multiple occasions I complained about this process and was told that it is very common to receive the CD the night before closing. I was upset because the CD has been incorrect a few times. Providing us the CD at the last minute prohibited us from disputing or even questioning any figures prior to closing. I brought this concern to employees at Freedom Mortgage during multiple phone calls on a recorded line. Both Freedom Mortgage and XXXX XXXX XXXX said this was a common practice. I am confident they are intentionally violating the 3-Day Rule so that customers can not properly vet their documents. 

Note : My wife, XXXX XXXX, is not on the loan but handled the vast majority of transactions/details of this refinance. She is listed below.
Product: Credit card

I found that Citi / AAdvantage Platinum Select Card charged me an additional {$0.00} on almost all of my credit card charges in 2015.