23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I attempted to set up bi-weekly payments though my bank XXXX to be sent to our Citizens mortgage account in the amount of {$1600.00}. The first payment was rejected and held in a suspense account at the beginning of XX/XX/XXXX. I called a to ask why it wasn't applied and it was because I had to set it up through Citizens, and I needed to be ahead in my payment schedule. Citizens could not figure out what to do with the funds and sent me a refund check within two weeks. I followed Citizens instructions and successfully set up biweekly payments. I forgot to cancel the payments on the XXXX side and the day before XXXX XX/XX/XXXX a second {$1600.00} payment was sent. I called the very same day and was assured that another check would be sent, that the money would be returned. Ive been calling since then because I have not received a check. I spoke to an agent on XX/XX/XXXX to have a new check re-issued and expedited. I was asked to make promises to not cash the first ck if it is received before the second one arrives. I call a week later to find out that rather than my money being returned it was applied to principle. This is a huge mistake. I filed a complaint with Citizens, case # XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX inquiry on XX/XX/year> Also XXXX  has yet to delete This is due to the data breach of XXXX, we're my information was purchased of the XXXX XXXX 
XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX  This account was asked for a re-investigation for accurate information and this debt was sold at account and the reporting agencies failed to report this information. I uploaded the proof were they did not cure the in accuracy and it must be deleted XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have not applied for any lines of credits or any loans. I'm also a XXXXXXXX XXXX and don't share my SSN or any personal information with another entity. I believe someone misused my information without my authorization and I have placed a fraud alert on my account. I have sent CFPB complaints about the unauthorized and unverified information and hard Inquiries. I called Transunion about the hard inquiries that's on my report and I stated I didn't authorize them, and I called the companies to have them removed. A representative stated that I needed to send in an FTC complaint, and I told her I did that she then pulled up the date I called previous and stated they didn't receive the complaint, but she sees where I called back within the last 90 days about the same issue. XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX dates i sent complaints on this same matter. 
The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then TransUnion, XXXX, and XXXX must remove these inquiries from your credit report.
Product: Debt collection

I found several accounts on my credit report that I believe were added without my authorization and are not accurate. I request their removal and blocking as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX is the loan servicer for my loans and they have filed a 1099c IRS form and never sent me the copy i was suppose to receive. They are also reporting to the credit reporting agencies my transactions and they are not suppose to be reported per USC 15 1681 ( a ) -2. I have called and tried to speak to someone and as usual they keep you on hold until the phone hangs up or you hang up. I would like to do whatever it takes to not only get this situation corrected properly, but to also make other unsuspecting borrowers aware of the service you will receive with them.
Product: Money transfer, virtual currency, or money service

I am currently trying to link my checking account at PNC to my XXXX stock account so I can use as an investment and I received a screenshot that said " PNC has made a change that prevents you from being able to link your accounts '' and suggested that I file a complaint in order to get that fixed.
Product: Credit card

On XXXX at XXXX, Bank of America emailed me that my credit card was removed from XXXX XXXX. I checked and saw that my card was still there, but was unusable. I went to the BOA app where it said in red my card could not be reactivated. I was also unable to redeem my {$310.00} in rewards which I accumulated over two years, where in red it told me to contact BOA. I was unaware my credit card account was closed, until I called the BOA representative where even he was unable to explain why. The representative said he will send a letter today which includes the reason, but BOA system does not allow him or his supervisor to see the reason why, which is completely unreasonable considering how can he, or anyone assist me in that moment without the reason my account was closed. 

I asked what happens to my {$310.00} in rewards, which he told me he had no idea, but he was unable to process it. He said I could dispute it with the bank, but it appears that if BOA is unable to restore my account, that {$310.00} is forfeited which I can not accept. 

I received no warning, no advanced notice, and I always pay my credit card bills on time across BOA, XXXX, XXXX XXXX, XXXX, and XXXX. Nothing in my XXXX credit report reveals any wrong doing or financial misstep. I believe I am a victim of BOA malpractice because I am aware BOA recently went through a lawsuit of scamming customers, creating false bank accounts, closing accounts without legitimate reason, and withholding rewards. I believe I am now one of those people.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts belong to someone else and they were fraudulently put on my credit report : 1.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1900.00} 2.  XXXX XXXX XXXX XXXX XXXX XX/XX/2019 {$1000.00} Both accounts are not mine and I have disputed them with each Credit Reporting Agency ( XXXX, XXXX, and Equifax ), and also with XXXX XXXX XXXX. The accounts were fraudulently blamed on me, but belonged to someone else that rented that apartment prior to me living in it. I complained to both the XXXX XXXX company and also the Texas Consumer Commission regarding my concerns about an apartment that had been damaged and rented to me in duress. After I moved out the apartment was left in a better condition than what I rented it. I have provided attachments to support my claim against both the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, and I am requesting that both accounts be removed from my credit reports at all Credit Bureau Agencies and Credit Reporting Agencies due to my Consumer Rights and Fair Credit Reporting Rights.
Product: Debt collection

NAVIENT STUDENT LOANS HAS BEEN CALLING ME A HARASSING AMOUNT OF TIMES ( OVER 5 TIMES A DAY ) FOR THE PAST 2 WEEKS FROM DIFFERENT NUMBERS. I WILL TELL THEM NOT TO CALL AS I AM AT WORK AND THEY WILL CALL RIGHT BACK AS IF IT IS FUNNY. TODAY XX/XX/2020 I ASKED WHAT SHOULD I DO JUST XXXX XXXX, WILL THAT MAKE THIS ALL STOP OR WILL YOU BILL MY SURVIVING FAMILY? XXXX THE SENOR RELATIONS MANAGER SAID NO, YOU HAVE NO CO SIGNERS SO THAT WILL STOP ALL COLLECTIONS ... AS IF TO RECOMMENDED THAT I SHOULD XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a line of credit with net credit and the creditor have used adverse action against the consumer ; revocation of financial extension of credit in substantial terms requested. Creditor did provide risk based pricing notice and said the determining factors listed were reason for denial. 
-XXXX  XXXX  Risk View Score Request -XXXX  vantage score -XXXX  Auto Origination Score. 
It is with unfairness exercised, for a creditor to base these factors from I, the consumer with respect to my credit profile which contains status of accounts that are under investigation and should have been removed.
Product: Mortgage

I have a current mortgage contract for a fixed 2 % loan and the lender arbitrarily changed my interest rate to 8.625 %. My monthly payment has been {$540.00} and the lender has now raised it to {$2000.00}.   I have contacted the lender by phone several times to resolve this matter but they are unable or unwilling to resolve this matter.
Product: Credit reporting or other personal consumer reports

Hello, I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time.

The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> and XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

My daughter received a digital prepaid {$50.00} debit card after getting her Covid vaccination through the XXXX XXXX the XXXX California promotion. The debit card was only provided in virtual format that could be uploaded to XXXX XXXX on an XXXX. The card was provided by Blackhawk Network, which sent me an email on XX/XX/XXXX with a picture of the card and a link to a redemption code to redeem at myprepaidcenter.com. The photo in the email ( attached to this complaint ) clearly shows that the debit card has an expiration date of XX/XX/XXXX - XX/XX/XXXX. However, when I tried to use the card a few days ago it was rejected, and when I called the number for customer service, I was advised that the card in the email was for " illustrative purposes '' only, and that the actual expiration date of the card was XX/XX/XXXX. Since the XX/XX/XXXX expiration date appears nowhere in the email or with the card in XXXX XXXX, I asked the agent to honor the original expiration date for my debit card, or issue a replacement debit card. Despite the unclear and deceptive nature of their communications regarding the card, Blackhawk Network has refused to take any steps to rectify the situation ( see attached email from their customer service on XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per Experian. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per Experian. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per Experian. 
On XX/XX/2020, EXPERIAN BUSINESS CRED add a hard inquiry on my credit report per Experian. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per Experian. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

On XX/XX/XXXX I received a debt collection notice from Phoenix Financial Services for {$710.00}. I realized it was an ER visit I had on XX/XX/XXXX due to a workplace accident. An authorization was obtained from my office manager before I even left the office, and they called the ER to let them know I was on the way, and it was to be paid by workers comp. I was able to return to work the next day, as I sustained no injury. I know of no previous collection attempts prior to the notice I received XX/XX/XXXX, and was unaware of the unpaid status of the claim. I sent a written debt validation letter by certified mail the next day on XX/XX/XXXX. It took them nearly 4 months to respond, and included were my XXXX XXXX  and treating physician. They did not include any evidence that I am contractually obligated to pay this debt. I did not give them permission to have my XXXX XXXX / personal XXXX information.
Product: Credit reporting, credit repair services, or other personal consumer reports

comenity capital bank had several accounts for XXXX XXXX XXXX and XXXX XXXX XXXX, we have suppressed XXXX and XXXX has since XXXX we are prepared to take all credit furichers to court should they fail to get XXXX to block our reports.
Product: Checking or savings account

I tried to make a wire transfer from my checking account, but my money immediately became unavailable for me to wire out or withdraw. I called the number they gave to me and I spent over 10 hours with the bank on the phone in 3 days, I was transferred to different departments by the bank again and again, and they never helped out with anything. Their employees had no idea how to help me get my money. As of today, I am not able to move my money and I have no idea what the reason is and I have NO idea when I can get my money, I need my money to pay bills!!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with the money transfer company Zelle and its handling of disputes, particularly stemming from the CFPB lawsuit that put a spotlight on the significant issues with the platform. Even though I use Zelle plenty of times and reported a few discrepancies, my financial institution and Zelle did not investigate my claims adequately. They told me that recovering the lost funds was impossible and and tracing those transactions were unfeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding the ongoing inaccurate reporting of an account that has been charged off and is being improperly reported on my credit report. This charge-off is being reported as a new charge-off each month, the continued reporting of this balance is inaccurate, and the account is showing a balance of {$440.00}. As a charge-off account, this balance should not be reported in this manner. This charged-off account is in clear violation of the Fair Credit Reporting Act ( FCRA.

According to the Fair Credit Reporting Act ( FCRA ), section 623 ( a ) ( 5 ), information furnished to the credit reporting agencies must be accurate and not misleading. A charge-off should be reported as a single event on the date it was first charge-off and not as if it were a new event each month. This is inaccurate and has caused significant and ongoing damage to my credit report. 




I have already disputed this issue more than once with the credit bureaus, but the inaccurate reporting persists. Therefore, I am requesting the CFPB to intervene and compel XXXX XXXX to remove this inaccurate charge-off account from my credit report entirely. The continued reporting of this account in its current state violates the FCRA and is causing ongoing harm to my financial reputation. 

Thank you kindly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I strongly disagree with the decision that is taking by XXXX XXXX  against me today after like 30 days of waiting since I've put in my disputes against those companies as Credit Acceptance, XXXX XXXX XXXX etc. They should be all remove immediately from my Credit Report!!! I consider this  decision which is merging you ( XXXX  ) as link to XXXX XXXX as a strong discrimination one '' s. 

XXXX XXXX I am lively standing behind my Credit Issues from now on. You guys got to stop selling people 's name!
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., Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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: Checking or savings account

Someone stole my debit card information and made XXXX XXXX pay transactions totaling {$2000.00}. One transaction was for XXXX and one transaction was for {$500.00}. Bank of America flagged them and reversed the {$1500.00} charge so I called Bank Of America on XX/XX/XXXX the day that it happened and they told me that the {$500.00} one needed to process before they could file a dispute so I had to wait two days to file a dispute against it. On XX/XX/XXXX I called Bank Of America and disputed the charge. Now today I get an email that my claim has been denied and theyre not giving me my money back. I have never used XXXX pay in my life nor is it even set up on my account. They Resolved one charge for fraud but then denied the exact same charge. I need my money back
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 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 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: Credit reporting, credit repair services, or other personal consumer reports

This bureau has been putting information incorrectly and unverified including listed below : RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} RE : XXXX XXXX Date opened XX/XX/XXXX Balance {$9700.00} RE : XXXX  XXXX Date opened XX/XX/XXXX Balance {$24000.00} RE : XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$9800.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$5200.00} RE : XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}
Product: Money transfer, virtual currency, or money service

The money transaction scam started when I was looking for a housing. In XXXX, an unknown name as XXXX XXXX uploaded her house for leasing. On XX/XX/year>, She was requiring me to pay fake rent and others total XXXX dollars step by step. 
After realizing it is a scam, I contacted with Bank of America to see if it was able to get the money back. However, after waiting a month the only answer I could hear was it was unsuccessful at recovering your refund. We recommend you to contact the receiver of funds for further assistance. 
This is never right. How could a victim asks for assistance to perpetrator? This solution is very irresponsibility and could not be able to accept it. I got a very hard mental damage and a huge fund loss.
Product: Credit reporting or other personal consumer reports

XXXX is known for fraudulently reporting information and lying saying it was verified. I paid an account off on XX/XX/XXXX and they reported as of today the same balance stating the amount was verified. I have docs to show my balance is XXXX
Product: Credit card or prepaid card

I use to have Capital One mastercard which i closed and paid in full on XXXX XXXX, 2011.
shortly after closing i received another statement with {$1.00} charge, i called to see why and i was told that was computer glitch and promised to be fixed. i have been trying to resolve the issue but Capital One has no record of my account or they claim that is old and no longer on their systems, however they continue to report negative item to credit reporting agencies. As of today despite my efforts and numerous call and letters sent to Capital One, this matter still reflects negative on my credit reports and have been denied and turn down loan because of it. my closed account ends with # XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I contacted Paramount Recovery in regards to this debt. They informed me it was a medical debt for an ER visit on XX/XX/XXXX. The initial company that filed the collection action was XXXX XXXX XXXX who were contracted by XXXX XXXX XXXX when asked why XXXX XXXX XXXX wasn't the one persuing the debt they informed me that the debt been passed along to different collection agencies for the last 5 years. I contacted XXXX  XXXX XXXX XXXX and they informed me that they had it documented that I was seen in the ER on XX/XX/XXXX and was a self-pay. At that time I had full medical coverage through XXXX XXXX XXXX. The billing department has stonewalled me when I have asked to speak to a manager or supervisor. The sad part about it is that I was an employee at XXXX from XXXX to XXXX. I was in XXXX XXXX bankruptcy from XX/XX/XXXX until it was discharged in XXXX of XXXX. I had debts from XXXX XXXX that were included in my XXXX  XXXX. These collection companies could have petitioned the bankruptcy court, but since it was an unsecured debt they didn't. Under North Carolina Medical Debt Laws NC Gen. Stat1-52 ( 1 ) ( 2020 ) medical debt statute of limitations in XXXX XXXX is XXXX XXXX and begins from last payment activity or the date on the bill. I have never received a bill or statement from the provider, XXXX XXXX, or Paramount. XXXX XXXX was the provider and he is no longer with XXXX and I've searched his name and can't find anything on the internet. The other thing about all this is that I was working that day at XXXX.They also should have has my insurance information from when I was an inpatient ther in XXXX.