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

After reviewing my credit report, I noticed a collection from Portfolio Recovery XXXX opened XX/XX/XXXX for {$1800.00} on XXXX and this same account negatively closed on XXXX. I emailed Portfolio Recovery Associates XX/XX/XXXX requesting debt validation, proof of original contract, a written signature for debt validation, a purchase agreement and I never received a response. I also tried disputing this account on XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account ; XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 credit reporting agency can not furnish an account without my written instruction.
Product: Bank account or service

I am writing to complain about a penalty charge of {$89.00} put on my sole current account at US bank. 
On the morning of XXXX/XXXX/2016, I checked my account which showed a balance of negative {$20.00}, while in the process going to the bank to deposit the {$20.00}, I was told that my account was actually negative {$89.00}. I attempted to call customer service for assistance, but was scolded about what : my job '' is as a customer. There was no valid explanation about why the account showed XXXX different balances, within hours apart. I am requesting assistance from the Federal Reserve Consumer for help. bill. transaction. I do not understand this as I was not overdrawn on my account at that time.
Product: Credit reporting or other personal consumer reports

I recently sent a complaint to you about XXXX as well I made a complaint on XXXX  about Experian. Both responded that they could not move forward processing my notarized affidavits due to no identification I feel that was a stall tactic and I am now asking for you to help facilitate and oversee this process. In Commercial Law an unrebutted affidavit stands as judgment. I have attached all documents and resending them to XXXX as well I will make a complaint on Experian and XXXX. I have prepared my legal team the XXXX XXXX XXXX, XXXX if the agencies continue their willful non-compliance.
Product: Prepaid card

My {$100.00} vanilla gift card had been used when I got it. I made a claim in XX/XX/2023 and have been contacting them every week and they just want me to keep sending the same info to the email address XXXX and I have sent it numerous times. They tell me to wait XXXX hours for confirmation from the " back office '' I do this once a week for about 6 months now and nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

To Whom It May Concern at American Express and the Consumer Financial Protection Bureau, I am writing to formally request a direct Phone conversation with a dispute resolution specialist regarding multiple credit card disputes that were not resolved satisfactorily. Despite providing necessary documentation and information, the resolutions were made predominantly in favor of the merchants based on incomplete assessments by AMEX staff. 

1. Dispute XXXX ( XXXX XXXX ) : A goodwill credit of {$1800.00} was issued under the incorrect assumption that partial repairs were completed on my vehicle. In reality, no such repairs were made, and the actual repair costs amount to {$9800.00}. It appears there was a misunderstanding about the engine replacement which never occurred. As shown in the mechanics letter. 

2. Dispute XXXX ( XXXX ) : I submitted a return receipt showing the item was indeed returned, along with confirmation from the merchant that a late return was permissible due to my being in XXXX. This evidence seems to have been overlooked. 

3. Dispute XXXX ( XXXX XXXX ) XXXX My room was upgraded, and I have a confirmation letter to prove this. However, the merchant provided a blank picture which AMEX accepted without proper verification, leading to a wrongful decision. 

4. Dispute XXXX ( XXXX XXXX XXXX ) : There is confusion over the transactions and refunds. The merchant refunded {$5000.00} but I applied {$10000.00} downpayment towards the car. I'm still at a net loss of {$5000.00} Each of these disputes contains significant errors in data handling and decision-making that need to be addressed. I am seeking to clarify these issues and correct the records with a specialist who can review all pertinent information and documentation. 

I appreciate your prompt attention to these matters and look forward to resolving them amicably. 

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

In accordance with the Fair Credit Reporting act XXXXt Account XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX OPENED XX/XX/XXXX, XXXX/XXXX OPENED XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX. XXXX, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX 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: Mortgage

I have had this loan from Key Bank since XXXX ( I believe ). It has been a constant problem with them applying my loan payments at different times and confusing late fees. At one point ( XXXX, XXXX ), I submitted a complaint and the agency that investigated found several payments that had not been posted. I recently paid off the loan and Key Bank attached unpaid " Late Fees '' of {$630.00} without verification. Key Bank also placed what they termed " Recoverable Corporate Advance Balance '' of {$1300.00} without any explanation of what this amount constituted. The list of payoff amounts ( including the ones just referenced ) was issued XX/XX/XXXX. The amount they requested was paid in full XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has placed {$2800.00} on my credit report without sending me a validation of debt letter or giving me the chance to dispute these fraudulent charges which is against the law. I went through this before with the last creditor XXXXXXXX XXXX who so called investigated and stated they will make the adjustments back in XXXX of XXXX when I filed a report against them. They made those statement in the CFPB portal which I still have proof of. Instead of making the adjustments they sold the debt being fully aware that the charges were fraudelent! I'm being charged for items I DO NOT have and XXXX refuses to make the adjutsments.
Product: Payday loan, title loan, or personal loan

Mypaydayloan.com initiated a loan application without my knowledge, granted and processed a loan without my consent and approval. 

On Saturday, XXXX @ XXXXXXXX XXXX, I received an email stating that my loan application for a {$500.00} payday loan was pre-approved. On the same day at XXXXXXXX XXXX, received another email stating that in order to process my application, I need to verify my email address. Another email at XXXXXXXX XXXX was received with the same message, i.e. asking me to confirm my email so they can process the so-called application. 

On Sunday, XXXX at XXXX4 XXXX, I received another email stating that my loan for {$500.00} was approved. Please take note that I never responded to their emails received the day before. How can they approve an application when ( 1 ) I did n't apply and ( 2 ) I did n't confirm my email address like they wanted me to do! 

On Monday, XXXX at XXXX XXXX I received another email stating that my payment is due on XXXX and that I need to log in and submit a payment request. This email is what prompted to check my bank account and lo and behold, there is a {$500.00} credited to my account from mypd (  that 's how it appears on my bank account ). Again, I did not apply for this loan nor did I sign any paperworks electronically. 

On Monday, XXXX around XXXXXXXX XXXX, I called them at XXXX and spoke to a gentleman named XXXX XXXX ( with a very strong accent ). I asked why I have a loan that I did n't apply for and how they processed it without my consent. At that time, he offered to process a reversal of the credit via a payment request. He advised me that {$500.00} will be debited from my account on XXXX. I asked again how did this happen to begin with and all he told me is that I need to be careful putting my information online. 

That last statement led me to believe that they somehow manage to steal my personal information including my email address, bank account information, SSN etc. and processed a loan on my behalf and without my consent. 

I need these scammers to be prosecuted for stealing my personal information. 

I very much appreciate immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

Refer to previous complaint # XXXX. I have sent for and received a credit report from another reporting agency, Experian. This report again shows an address that I have never lived at or used as my address. This report shows a collection of an unpaid debt that I have never had. This report shows an inaccurate payment record, and falsely shows unpaid bills that have never been sent to me. This report does not give a phone number or other method of responding to items that are incorrect on my report to the credit reporting agency, Experian. If there is shown a way to contact this agency, it is not readily or easily found.
Product: Credit reporting, credit repair services, or other personal consumer reports

An adverse, collections trade-line is not my account. The original creditor is permanently closed, and I have no knowledge of this account. 

The collection agency is non-responsive to me. Please fully investigate and provide findings to me so that I may sue Credit Reporting Agency ( credit bureau ) and collection agency under the FDCPA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get the inquires removed or proof showing i authorized them and all Equifax keeps saying is it is a record of file.
Product: Credit card

Around XXXX of 2024, my credit limit was decreased from {$9000.00} to {$7600.00}. The difference created an overage I was not able to handle at the time. I did not know the bank did this since it is not in their disclosure. I called the bank to rectify the issue and to create a payment plan, the best I can do is continue the my monthly payment as regularly scheduled. Unfortunately, the bank also charged an over limit fee which ate my payments and prolonged the situation. The bank stated that they mailed collection letters which I couldn't get becuase I was forced to move. I did pay the account down until I noticed that the account was in closed status. I checked their " SecureMessage Center '' and saw no correspondence that there was any issue and their dashboard displayed what my minimum payment should be and I have been meeting or exceeding it the amount. I called the bank this morning and they refused to work with me let alone reopen the account. They did see in their notes the conversation I had with their representative back in XXXX about the overage issue and how I can resolve it.
Product: Credit card

I originally had a store charge with XXXX XXXX. Admittedly, I irresponsibly did not pay the debt because of family issues and fell behind on payments around XXXX. The debt was sold to Midland Funding and was actually removed from my credit report XX/XX/XXXX. I had owed a total {$490.00}. I just last week received a notice from Midland asking to send them a settlement of over {$800.00}! If I did not know better I may just just them money. But I just checked my credit report and know I do not owe them money.
Product: Credit reporting or other personal consumer reports

XXXX is reporting collections on a case that was already addressed here with the CFPB. XXXX XXXX. Two accounts are showing on my report. Earlier this year, I reported them here. They failed to return a reply in 30 days. Please have both XXXX XXXX removed from my credit report for failing to comply within the legal 30 day statue.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are saying my score is XXXX. My XXXX XXXX and XXXX  are more than 200 pts more than that my XXXX  score is way higher than that. They are saying I have had to many address changes I have lived 3 places the last 20 years of my life. Last time I changed address was 2014 when I moved 5 miles  away to a new house same city. Been at my current address for 6 years. They are owned by ID Analytics '' - owned by " XXXX '' provider of Identity theft products - owned by " XXXX XXXX '' which also operates " XXXX '' provider of computer security softwares. I used to be a member of XXXX and their information they had about me was inaccurate and ridiculous. They obviously provided that information to ID Analytics which supplied it to SageStream and that's what they are using to compiled their version of my " Credit Score. '' I stopped paying XXXX and had many issues with them feel as though this is some kind of illegal retaliatory measures on their part.
Product: Credit reporting

XXXX XXXX has reported a loan account to experian credit agency after several attempts of me reporting that this account was initially opened by my father who I share my name with. I recently submitted a dispute through experian and was unsuccessful. I have contacted XXXX and they refuse to aid me with any actions. Thus account was reported even though our social securities are different. This is negatively affecting my credit and it is holding my possibility of buying a new home. This issue has been going on for years and I still have not been able to solve it. Any help would be greatly appreciated
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX. And Account # XXXX XXXX has violated my rights 15 U.S. C 1681 section 602 A States I have the right to privacy it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

We were given a HELOC back in I think 2016 with Susquehanna, then BB & T, and now Truist Bank. We were told at that time that the way the line worked is we could take out an amount and choose either a fixed rate option where the rate would be fixed and we would pay back a certain amount of pricipal and interest over a certain number of years or we could just use it more like a regular credit line where we could take out an amount and the interest rate could adjust. We initially after receiving the line, too out I think about {$35000.00} and fixed that rate at about 3.75 %. Over the years we have taken out and pay back smaller amounts at the adjustable rate option. As of this past XXXX we did not have any amount owe other than the fixed rate. Any time we used the adjustable rate option wehad paid it back quickly. 

I went into the branch on XXXX XXXX this past XXXX, because we had some projects coming up and I knew rates were on the rise, so I wanted to see about taking out an additional $ XXXX {$15000.00} and choosing the fixed rate option. The rate I was quote was XXXX?? %. I know it was under 5 %. Since that rate was still so good, I chose to take out {$15000.00} and fix the rate/payment. When the bills arrived, I paid the amount due for the first several months. Everything seemed good. 

This past Fall, I started getting noticed about past due amounts, late fees, and rate changes. I called the number on the statement and was told they could not help me and I had to call the branch. I called the branch several times in XXXX and each time was told that the person had to speak to a supervisor, would get back to me etc. They never got back to me and eventually told me that the manager I had worked with to take out the additional {$150000.00} was no longer there. I asked for them to send me the paperwork on the loan and was told they could not find it. I paid the amount I believed was due. The bills arriving in the mail were super unclear on what was actually owed and kept referring to interest rate changes, which should not be because I had chosen a fixed rate option. Today I tried again to call the main number since the branch was no help. The person I spoke with found my line of credit and the original fixed rate portion but could not find anywhere that said anything about the {$15000.00} I took out OR the rate being adjustable or anything at all about. She could not tell me what I owed or what had been messed up concerning fixing the rate. She told me I had to wait 48 business hours to hear from a manager. 
However, at this point this is the fourth time I have been told to wait a few days to speak with a manager and I am very concerned that I am being charged a higher rate than I agreed to, that I don't know the amount to pay, that I am being charged late fees, and I am concerned that this will negatively affect my credit.
Product: Debt collection

I called XXXX  XXXX at XXXX ( XXXX ) XXXX at XXXX XXXX. Employee # XXXX answered and I politely asked for a debt validation letter. I asked if it can either be mailed or emailed to me. She responded by saying no. I repeated myself and asked again for a debt validation letter. She responded with the same answer no I cant give you anything. I simply asked for her employee number and told her goodbye.
Product: Vehicle loan or lease

Car repo on Sunday XXXX XXXX XXXX XXXX NO NOTICE OF REPO. There is difficulty in obtaining info thru customer svc, I believe both my name and son 's name ( XXXX XXXX is ignored when it shows up on their queque. Wait time, and a call back which happens but no person answers. Son stated it took forever on phone getting info as to how much needed. They would not tell him where car sent, as he had his wallet in car. I called as well, put on call back list as system wait time was XXXX minutes, but waited for XXXX minutes when they did. Told same info. I went and borrowed what they had asked for {$1900.00} and sent by XXXX @ XXXX on XXXX XXXX. This amount included the fees for picking it up XXXX told. XXXX son info to call XXXX. He called XXXX times, put on call backlist just to get ", msg that operator hung up. Gave up for the day. This after almost an hour each time waiting.. Found where car located '' XXXX XXXX XXXX XXXX XXXX XXXX, KY and have to make an " appointment '' online to receive it, once released. Website stated have to make one also to retrieve property, but both Ford and XXXX stated he couldnt get his wallet unless XXXX gets the XXXX form. Appt for today Tuesday at XXXX to pick up at least wallet.. XXXX XXXX called after XXXX stated it was cancelled and awaiting for release from Ford XXXX They called back around XXXX but was told he couldnt pick up car til Thursday at XXXX XXXX XXXX. They are supposedly closed on XXXX. I called Ford at XXXX this morning and was put on hold leaving me the idea that we are flagged in their system.Not rude if they state as reason, as how could we if not able to get thru. Their account site states Temp unavailable when I checked to see if amount was posted. Plus the hassle of EVERY time of creating a new password. XXXX in XXXX day! He is behind ONLY because Social Security took away his checks for XXXX months, or for past months they try and reduce for XXXX reason or another ( KY ) now straightened out to receive next month. WITH the help of the XXXX. He is Iraqi combat vet, I am an XXXX 20 year retiree. I would NEVER buy a Ford product.
Product: Money transfer, virtual currency, or money service

Tried to link my account to the app XXXX and XXXX
Product: Mortgage

We have a mortgage serviced by Seterus. Over time the payment changed and we were not aware of it but continued sending the original payment. Over a period of months the shortage accumulated to about {$1500.00} - {$1800.00}. We requested that Seterus add this amount to the back of the loan. They requested paperwork, and we supplied them, but nothing was done .We never missed a regular payment. However, now they are saying we are behind six ( 6 ) months, and sending us default notice.
Product: Credit card

BMO credit card formerly XXXX XXXX XXXX  credit card account was closed by BMO without notice. My card was declined when i called customer service they told me the account was closed as per agreement they can close any account any time. 
I requested further information but they only said we can close any account any time. 
When i further inquired on the internet lots of people who were formerly XXXX XXXX XXXX  account holders moved to BMO after them acquiring the former are in similar situation, accounts closed without any notice. I have good credit score and always made payments on time on my credit card account so i do not deserve to lose the account without any reason. It hurts my credit score. I need an explanation from them for making such decisions. Is that a politically motivated move based on whats going on right now or what? Why are they targeting customers in US? or it just the XXXX XXXX XXXX transferred customers?
Product: Checking or savings account

I closed my account with XXXX XXXX ( New York Community Bank ) because they charged excessive multiple NSF overdraft and other fees. They claim I still owe them but I closed the account after XXXX out the balance. They continually are harassing me over XXXX that they claim I owe. They are even reaching out to family members who have nothing to do with this. Please stop their unending harassment by XXXX XXXX ( sp? ) who is calling from XXXX