23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

My prepaid card was hacked I have unlock iPhone my account had some charges on it I ask them to investagte I got 1 back but the other one I did n't than prepaid card company lock me out of my online account this is how I get paid buy my employer than company with out my concent took XXXX that I had on card it when to XXXX balance I get text alert on what my balance is what I buy when my employer deposit my payroll check they we 'll not let me have my wages. They say I have to wait a month so they can make sure money is mine it is they payroll send it to them they know how much I get paid they send me text alerts
Product: Debt collection

I disputed with Credit Bureau for verification of Debt from Portfolio Recovery Associates and The recovery Associate Fail to validated the debt.
The Portfolio Recovery Associate  produced Documentation that were invalid and not sufficient to proof the debt belong to me.
I requsted the Portfolio Recovery Associate to immediately removed the collection from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report to the credit bureaus an unverifiable account. 

I have disputed this account multiple times with the bureaus to no avail. 

I have requested proof of this account from XXXX and have not received a response. On XX/XX/2023, I called XXXX and they confirmed there is no account in their database, yet they continue on a monthly basis to update the account. 

Failure by XXXX & the credit bureaus to notate account as disputed within 30 days of notification is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to formally dispute the alleged bankruptcy item listed on my credit reports, and I kindly request your prompt attention to this matter. 
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccurate or incomplete information contained in my credit report. I recently challenged this particular item with the credit bureaus, and their response stated that the account was verified with LexisNexis. However, my inquiry at the local courthouse has confirmed that they did NOT verify this information.

In compliance with 1681i of the FCRA, I hereby request that you provide me with copies of all documents or any other evidence that you have used to verify this alleged bankruptcy. Please send this information to me immediately. If you are unable to provide the requested documents or if the information is found to be incorrect, the law requires that you promptly delete this bankruptcy from my file. 
Allow me to stress that this incorrect listing is not only harming my financial reputation but is also casting a shadow over my personal character. I firmly believe that adherence to the legal requirements will rectify this matter. 
Please ensure that this issue is resolved within the 30-day time frame as stipulated by the FCRA.Failure to comply with this request may lead me to take further legal actions.

I appreciate your cooperation in this matter and anticipate a timely response. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX XXXX XXXX XXXX
Product: Checking or savings account

Tried to make a car payment in in the amount of XXXX dollars it took XXXX days for it to go through I tried to cancel the account after then they hit me with fees after I took what I had in the account and left me with a negative balance of XXXX after all the fees piled up, cant get it off of my credit history now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told experian, XXXX, and XXXX to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

15 USC 1681 sec. 602 A. states i have the right to privacy.

15 USC 1681 sec. 604 A sec. 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 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. Everything being reported is inaccurate and i have never given written instructions to report anything from the beginning of the very first date they started reporting according to 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a miss lead bankruptcy on credit report and its coming from lexis nexis and they have failed to remove it in the month of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

Plaza Home Mortgage filed a report to XXXX that my account with them was delinquent for 60 days now. I just saw this information on my credit report but have not heard from Plaza about this. I have never been late with any mortgage payments. In fact, my loan has been transferred to different lenders twice already since I closed on my home the end of XX/XX/2021 and have been caught in the middle and suffered from the lenders miscommunication with each other in the midst of it. During the loan transfer to Plaza, there was miscommunication between the lenders on the date my loan was officially transferred. Therefore, Plaza requested a payment from me for the month that I had already paid to my original lender. I had to make numerous calls to my original lender and Plaza to rectify the situation. Plaza then informed me that they received the payment in question and so I believed the problem was resolved as my payment has been fulfilled. Now I discovered they reported me to the credit bureau falsely. I am appalled by the incompetence of Plaza staff and how poorly theyve serviced my loan. The loan transfer debacle was not my fault, nor should I have been responsible for their due diligence.
Product: Checking or savings account

XXXX XXXX  I opened XXXX accounts for my self and my employees at Optum Bank. On XX/XX/ I deposited {$1000.00} into each of my employees as well as my XXXX account. Almost immediately, Optum Bank has managed to lose my deposit, per their website there was a ACH withdrawal of {$1000.00} the same day I made the deposit, except I had no access to the account and the funds weren't even available at that time. I discovered this error when my wife tried to use the XXXX debit card and it was rejected. Optum has given multiple excuses, including a security breach and system errors, however they have done nothing to resolve the issue, On XX/XX/XXXX I was told they are trying to resolve the issue in batches meaning this has happened to multiple people. Optum Bank has essentially held my money hostage for XXXX weeks and can give no estimate as to when it might be released. I have asked Optum to credit my account for the {$1000.00} until the resolve the matter they have refused. they literally lost my deposit within hours of me making it and clearly in no hurry to resolve the matter
Product: Debt collection

False information was submitted to collection agency of failed payment and items left facility was closed this was in beginning of pandemic know evidence that items trashed was mine my name was not attached to it also XXXX rent was satisfied and received by XXXX the original apartment walk through paperwork indicates all wrong with unit upon moving in please provide management turnover from time I originally moved in
Product: Credit reporting or other personal consumer reports

There are a lot of things on my consumer report that are there as a result of identity theft.
Product: Credit card or prepaid card

Discover card is trying to make me pay for fraud charges that they refused to investigate. Now a year later they have added the fraud charges back on the account and demanding me to pay. I spoke with XXXX today with Discover Executive Office of Customer Advocacy who informed me that the person who had been investigating my case closed it. I have several complaints with the XXXX  and I have also filed a complaint with consumer finance.gov. Discover had two departments making changes to my account the fraud dept and the billing dept. Because of them not investigating the fraud charges and both departments making errors now they want me to pay for fraud charges a year later and I refused to pay any more money. The total amount that I owed them was {$3900.00} when the fraud charges for the amount of {$1300.00} is deducted that left a balance of {$2500.00}. XX/XX/2020 through XX/XX/2020, I made total payments of {$900.00} leaving a balance of {$1600.00}. In XX/XX/2020 I made a final payment of {$1700.00} that's a total of {$2600.00} which I added interest. I had frozen my account in XX/XX/2020 Discover continued to post charges to my account, they also let fraud charges post to my account. After contacting them and asking them to stop all reoccurring charges they allowed them to come through also. Now they are telling me that my case is closed. Discover have refused to send me a detailed billing showing me what my charges are. I never received a report showing that they investigated the fraud charges. XXXX at Discover today XXXX XXXX refused to go over my billing questions. Everything that they have done is illegal and that needs to stop. Now they have sent a letter to the XXXX stating that I owe them {$800.00} for fraud charges that they refused to investigate. They need to show me on my statements how they come up with a different figure than what I have provided. Now they are sending negatives reports to the credit bureau stating that I owe them {$800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is declared Paid on my XX/XX/2018 credit report, but creditor will not provide written verification that the account is resolved.
Product: Debt collection

Date : XX/XX/2022, XX/XX/2022 and Call went to my voicemail the first time they called. 
The second time they called I asked them not to contact me at work. 

Company XXXX called my employer after I asked not to contact me at work.
Product: Vehicle loan or lease

I have had this vehicle loan with M & T Bank since XXXX. The first problem I faced was they never sent me any of my loan information ( payment amount, due dates, or how to pay ). Once I managed to get the information, it wouldn't let me log onto the website to pay. So, I called them, and they gave me the run around. I was finally able to login in XXXX to make the first payment, but it wouldn't allow me to set up automatic payments. Paying online is the only way I am able to pay as they did not send me paper slips ( I don't even know my account number, I never get a monthly statement in the mail even though I did not request paperless ), there are no branches around, and their customer service number won't allow me to make payments either. Every single month, I can never get logged in. The website is always down. Just today I tried logging in and was met with " they are working on fixing the problem ''. Now I am " locked out '' of my account because of an incorrect password when my password has not changed since I opened this stupid account. I have no way to access my account or make payments. I refuse to be held responsible for any late payments ( my payments for all my bills are on time ). I don't want to deal with this horrible bank anymore, but because of the age of the vehicle I can not refinance with another financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX AND XXXX IS SHOWING AN OLD DELINQUENT ACCOUNT AND ITS IMPACTING MY CREDIT SCORE AND ALSO IS IMPACTING ME IN A NEGATIVE MANNER WHEN SEEN BY OTHER FINANCIAL AGENCIES. THIS DEBT IS OUT DATED AND ALSO BEEN PROVEN TO BE NOT MY RESPONSIBILITY ALSO HAS BEEN REMOVED BY XXXX.
Product: Credit reporting

XXXX XXXX XXXX has placed a collection acct on my credit report that was previously deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a lateness as inaccurate on my credit report with Capital One and after investigating they removed my entire account and history on all 3 bureaus rather then removing or correcting the simple inaccurate lateness reported on all 3 bureaus. This has had an adverse affect on my credit scores on all 3 bureaus.
Product: Checking or savings account

I have a business account with chase. I operate a XXXX XXXX XXXX XXXX. I deposited two checks with them on XX/XX/year> at XXXX. XXXX check was for {$110000.00} and the other was for {$60000.00} The checks were made out to the client and to the XXXX XXXX. I obtained a power of attorney from the clients so I could endorse the check on their behalf. I signed their name and stamped the check with the XXXX XXXX XXXX  stamp endorsement. The check cleared and Chase restricted the account. 

Thereafter, Chase told me the clients had to verify the check with their cellphone numbers. I provided the client 's cellphone numbers to chase and they informed that those cell phone numbers were not registered with the database they use to verify third parties. I told them I could take the clients to a branch to verify that they had authorized me to deposit the check on their behalf. Chase said that the ONLY way to verify my clients was through their internal system and if their phone numbers were not registered, there was nothing they could do. If they could not verify the clients, then they would close the account and leave the funds pending for years. If the issue could not be resolved, then the funds would be claimed by the state. 

There is no way that a real living person, that is available to go a bank branch, can not get verified. Chase is using unfair trade practices to retain money that is rightfully the clients ' and the XXXX XXXX
Product: Checking or savings account

Re : Discrepancy in Promotional Offer and Undisclosed Fee for Business Checking Account To Whom It May Concern, I am writing to formally address a matter concerning my business checking account with US Bank, which opened on XX/XX/XXXX, under a promotional offer. The terms of the offer stated a bonus of {$750.00} upon depositing an amount of {$15000.00}. 

Following the guidance of a bank representative, I deposited {$14000.00} in cash to the said account. To meet the promotional offer threshold, I further transferred {$500.00} from another checking account I maintain with US Bank, bringing the total to the required {$15000.00}. It should be noted that at no point during this transaction was I informed by the banker that the funds had to be sourced as " new money '' from an external institution. My actions were predicated entirely on the instructions provided by the bank representative. 

Additionally, I was not apprised of a {$39.00} fee associated with depositing a significant sum of cash- '' Analysis Service Charge on XX/XX/XXXX ''. I only became aware of this charge subsequently and brought it to the bank 's attention, leading to its reversal on XX/XX/XXXX. 

On XX/XX/XXXX, US Bank credited my business checking account with a bonus of {$500.00}, an amount that is {$250.00} less than the promised sum under the promotional offer. The discrepancy was not immediately apparent and was only discovered approximately a month later. 

I have engaged in multiple discussions over the past 6 weeks with the bank to seek rectification. Each time, I have been reassured that the matter was approved and that the outstanding {$250.00} would be credited to my account by the week 's end. However, XXXX weeks have since elapsed with no resolution in sight despite my best efforts to expedite a resolution. 

I respectfully urge the bank to review this matter with utmost urgency and ensure that the promotional offer is honored in full, and any discrepancies are rectified. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

I was charged multiple times by XXXX inaccurately. After speaking with PNC a few times about this an investigation was to be done. I also spoke to XXXX about it as well. The problem was that my PNC bank was supposed to have been disconnected from XXXX but it never was even after calling XXXX to verify it. This began around XX/XX/2019 with a charge of {$12.00} from XXXX which was then refunded because of NSF. This happened numerous more times causing an increase NSF fees and other transactions to bounce as well due my account becoming overdrafted. Even though I attempted to balance out my PNC account by adding money but it was never enough. XXXX even drafted my a letter to verify this. Only for me to later found out that XXXX had once again misused a bank account that was supposed to have been removed. I attempted to get into contact with PNC who told me that they had to forward me to another team to resolve my issue but they couldn't because transferring in house didnt work? However when I attempted to call the number given, that didn't work either. Now I am sent a collection letter for money I shouldn't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was laid off from work.. As one can expect I fell behind in my payments to creditors. I notified all of them explaining my situation and asked for forbearance. All were willing to work with me except XXXX card and XXXX XXXX ( mortgage company ) I was able to return to work in XX/XX/XXXX. However, I was forced to relocate 4 hours away from my home.. So now more than ever my credit became crucial. 
I immediately began to make as many payments as soon as it became possible.. However, XXXX not only refused to give me forbearance.. They also refused to acknowledge that I made a payment of {$440.00} within the grace period for XX/XX/XXXX which I have documented proof that I did. They deliberately posted my payment as late on XX/XX/XXXX after I made an online payment on the XXXX just to show my account as 90 days late. 
If that isnt bad enough they signed me up for autopay without my consent therefore committing FRAID. So in XX/XX/XXXX when I made a payment of over {$1700.00}. They proceeded to withdraw an additional {$440.00} a few days later ... 
When I confronted XXXX and accused them of FRAUD and GRAND THEFT. They responded by saying that they would return the {$440.00} plus any overdraft fees that they caused. 
They did in fact return the {$440.00} all but admitting to my complaint to charges of FRAUD and GRAND THEFT. but did not include any overdraft funds.. 
I have since reported this to Experian on multiple occasions and they refuse to remove this from my credit report..
Product: Debt collection

I am filing a formal complaint against Portfolio Recovery Associates for their continued attempts to collect an alleged debt in the amount of {$7500.00}, despite my repeated disputes regarding its validity for over a year. 

I have never provided Portfolio Recovery Associates with my Social Security number, nor have I signed any agreement or contract with them. Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt, and they are required to cease collection efforts until proper verification is provided. However, they have failed to furnish any legitimate proof that I owe this amount or that they have the legal authority to collect it.

Furthermore, as Portfolio Recovery Associates is not the original contract holder, I am under no federal obligation to pay them anything. The FDCPA ( 15 U.S.C. 1692e ) prohibits false, deceptive, or misleading representations in the collection of debts, including misrepresenting their right to collect this alleged amount. 

I request that the CFPB take immediate action to investigate Portfolio Recovery Associates conduct, as they are engaging in potentially unlawful debt collection practices. I ask that this company provide documented proof that they have a valid claim to this debt or cease all further collection attempts. 

I appreciate your attention to this matter and look forward to your response. Please inform me of any steps I should take to ensure this issue is resolved in accordance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I was a victim of fraud. Someone attempted to open an account in my name with XXXX XXXX XXXX and XXXX. Their attempts led to Hard inquires that dropped my score by 40+ points. After months of contact with the creditor, the credit agency, and finally the CFPB I was able to get the fraudulent accounts removed. Unfortunately, the removal of these accounts did not restore my score to its original points.