23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company failed to notify me of failed auto pay on my account. The account was transferred to collection department, which failed to specify what account they were calling on ( They stated that it was a credit card collection, which I did NOT have, so I thought it was fraud ). I was notified of the failed auto pay AFTER they placed a hold on my account ( due to my claiming of fraud ). They did not allow me to correct this issue, stating that " Nothing could be done until hold was lifted ''. I called multiple times to try and pay the balance but was denied. They continued to mark my account as delinquent this entire time, damaging my credit. I believe that this should be corrected. If they would have identified the debt properly, this would have been avoided. The failed notification that the account was not still on auto pay also contributed to this. I think it is unjust for them to mark my account as a " Charge off '' when I made multiple attempts to correct the situation. Once my hold was removed from the account ( which took months to correct ), the account was promptly paid in full. I was told the account would be corrected, but my credit report still shows inaccurate information. On top of that, it took many months after paying it in full for them to show a {$0.00} balance on my credit reports, even though payment was processed and posted on their website. With every call, I was advised that I had a past due balance, and additional money was demanded of me. I had to point out that payment was made.
Product: Debt collection

i had a debt in collections listed under the name LVNV FUNDINC LLC that i won the judgement against and had removed from my credit report in the amount of {XXXX Now this company is putting me back into collections again for the same XXXX} that i won a judgement against them for, but under a new company name listed as XXXX XXXXXXXX So i won the judgement and it was removed from my credit report, but now that collection is showing up again under that new company name. This is illegal and a violation of my rights, and needs to be removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 



Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give EQUIFAX, XXXX, XXXX written permission to furnish these accounts listed below 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

12. The following account is not mine XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

13. The following account is not mine XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file an official complaint with the Consumer Financial Protection Bureau regarding instances of potential identity theft and violations of my rights under the Fair Credit Reporting Act by certain financial institutions and collection agencies. 

In reviewing my most recent consumer report from XXXX, XXXX, and TransUnion I discovered several medical collection accounts that I did not open or authorize : - Account # XXXX, listed as a medical collection for {$2500.00} with MEDICAL and currently in collections with XXXX XXXX XXXX 

- Account # XXXX, listed as a medical collection for {$1800.00} with MEDICAL and currently in collections with XXXX XXXX XXXX 

- Account XXXX XXXX listed as a medical collection for {$830.00} with MEDICAL and currently in collections with XXXX XXXX XXXX 



It appears my personal identifying information has been compromised and used without my consent to open these fraudulent accounts. Pursuant to 15 U.S.C. 1681c2 and 1692g, I am requesting these inaccurate accounts be blocked and removed from my consumer reports promptly after receipt of this notice.

I am also invoking my right to dispute these debts under 15 U.S.C. 1681s-2. Opening accounts and debt collections based on identity theft do not constitute a permissible purpose under 15 U.S.C. 1681b.

Please conduct a full investigation and provide debt validation as required by 15 U.S.C. 1692g. I will pursue all legal remedies if validation is not provided and the fraudulent accounts are not promptly deleted. 

Please contact me at XXXX to discuss your findings and planned actions. I appreciate your prompt attention to this serious matter involving potential statutory violations and identity theft. 

Regards,
Product: Credit reporting or other personal consumer reports

Personal information of mine was accessed by non-authorized people. This goes against the protection of my personal data and is a data breach.
Product: Checking or savings account

This company ( ROBINHOOD ) withdraw fun a more of two occasions without my permission or authorization..I call the bank to stop and refund me the money back and they do it again using others alias like ( ROBINHOOD Market ) first and now ( ROBINHOOD Debit ) .. ( {$1000.00} )... so they just won't stop ... withdrawing money any way they can ... so I want to stop this fraud by this company ... thank you
Product: Credit reporting or other personal consumer reports

Equifax changed a remark on my student loan account. They removed a remark that says fixed rate. In doing so my credit score went down XXXX points it also records that I had had this loan since XXXX when it originated in XXXX. I want my credit report corrected and I want my score back to where it was.
Product: Mortgage

I recently filed a complaint with CFPB against Wells Fargo and I did get some resolution but it was not satisfactory. After reviewing the results, I feel it necessary to file another complaint. This one is in reference to the fact that the did not mention in their response that they credited over {$9000.00} back to my account. I am certain that they should have credited more. As a result, I am submitted another complaint in that regard. Additionally, I find it inconceivable that CFPB could do no more that what was done. The loan I have with them was issued during the time they were issuing loans they knew the value were inflated. To say that this property was appraised in excess of {$100000.00} is an absolute falsehood. The tax amount assessed yearly is {$800.00} and if it were valued more, the tax collector would certainly have no issue doing so. Other proper valued at say XXXX tax assesses at {$3800.00} per year. When this loan was issued, the property assessed value was not the $ 100K+ as Wells Fargo 's appraiser reported. The appraisal done by their appraiser was inaccurate and a fraud. This was all done in an effort to substantiate this inflated loan as they have done thousands of times over at Wells Fargo.
Product: Credit reporting or other personal consumer reports

This Account was charged off on the following date XXXX XXXX  YEAR OF FIRST CHARGE OFF. Since then, this account has been repeatedly updated as charged off XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  This is an update in payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 


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

It is so distressing and you have no idea how bad it is, Im an honest person working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Product: Money transfer, virtual currency, or money service

After opening an account with paypal to process invoices for a new business -- selling gemstones online -- paypal allowed my activity for approximately one month without issue. All requested documents and information was provided to paypal as part of the account opening process and all invoices were tagged with corresponding tracking numbers for shipments to customers. Paypal routinely holds funds until shipments are marked as delivered. 

This was not a problem, until approximately one month later on Saturday XXXX XXXX 2020 Paypal notified me that I can now longer do business with the them, and the notice specified that funds within paypal will be held for up to 180 days. The amount held by paypal is {$5200.00} The shutdown came with no reason as to why the account was restricted, and no attempt to contact me or remedy the situation. 

In an attempt to resolve the dispute, I proactively called and emailed paypal multiple times offering whatever information they felt they needed to remedy the situation but all emails went unanswered and phone calls led to no further information or assistance. 

The funds being held by paypal represent the majority of the brand new businesses assets, and essentially have forced a brand new business to fail within weeks of beginning with no reason given and no attempt to work with me to resolve any perceived risk.
Product: Credit reporting or other personal consumer reports

it is illegal to report transaction history per 16 cfr part 313 a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in XXXX, XXXX, and XXXX. 

( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source. 
& 15 usc 6805. They said they would not conduct in solicitation or language fraud in 17cfr424. XXXX, XXXX and XXXX is a credit reporting agency and did not give me notice in writing with my opt out options.
Product: Credit reporting or other personal consumer reports

I have sent two attempts to rectify an account that resulted in identity theft. The original creditor has released liability but the creditor isnt budging even with correct documentation.

I personally dont have identification as I was incarcerated so I do not currently have any ID. All I was able to complete is the FTC affidavit.

Pursuant to FCRA 609 ( e ) I am not given the opportunity to block the fraudulent information although Identify if was me. The collection agency ( XXXX ) has not been able to provide the method of verification with my wet signature on the application. Ive attached a copy of the fcra showing Experian, XXXX and XXXX violated my rights. 

If XXXX XXXXXXXX is not able to verify the debt XXXX has no jurisdiction to collect a debt the original creditor deemed as identity theft.
Product: Checking or savings account

Hello- I was a Simple Banking customer who was to be transitioned to BBVA USA last Saturday, XX/XX/2021. 

I followed the directions correctly and was able to create and -- briefly -- access my checking online and via their mobile banking app. Then, I received a cryptic email ( attached ) two days ago stating that their customer service has disabled online access to my account without offering any further information -- - except to download their app ( which I can no longer log into ).

I have not been able to get a live human on the phone for assistance nor have they responded to their suggested methods of direct-messaging them via XXXX. 

It has been nine days since I have had access to my funds. Additionally, I have funds already being routed to this account that I now will not be able to access. 

Please help as BBVA USA is not providing any HELPFUL answers directly, via social media or common sense communication to their customers. They have in essence stolen my money if they will not allow me to access it. 

Thank you in advance for any assistance you can provide. It is criminal for such a large institution to do this while people are trying to recover financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy on my credit reports. The bankruptcy is stopping me from being able to get credit. I call the court they said they don't report bankruptcy to credit bureaus. I never follow through with bankruptcy. on my credit it shows that court house is reporting the bankruptcy. The credit bureaus says they get info from third party company. This bankruptcy should not be on my credit report.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you kindly verify the documents? Several listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.
Product: Debt collection

There was an inquiry that came up on my XXXX credit report describing an XXXX XXXX XXXX XXXX account that XXXX different collection agencies have tried to collect on. I have disputed this claim on XXXX and XXXX and am currently working on filing a dispute with XXXX XXXX. The claim was successfully disputed on XXXX, but not on XXXX or XXXX XXXX. I have called both collection agencies ( XXXX and I.C. System Inc ) several times and sent in a fraud packet that was apparently never received. The account that is in question was opened for an XXXX XXXX XXXX XXXX account. I have never opened an XXXX XXXX XXXX account and am still in fact on my parent 's mobile plan through a family plan account. The collectors ' agencies continue to say that this is my account because it was opened with my name and social security number, but the account has a different email address which is also not mine. This person has an email address : XXXX, or something to that effect, and a XXXX XXXX XXXX in XXXX XXXX Ohio. They have continued to use this email and address to open fraudulent accounts under my name and social in the past and continue to do so now. I recently opened a high yield savings account through XXXX XXXX and this person change the username and password to the account within a week of my opening it. I then had to get XXXX XXXX XXXX to cancel the account and reopen a new account with my correct information and delete the XXXX email that was connected to this account without my authorization. I could see through my XXXX XXXX account settings that this person added their email address to my account and had their phone attached to my account as well, which was some type of XXXX phone. This email address has also shown up in my personal XXXX XXXX XXXX bank account along with the XXXX XXXX address. I have since hardened my online account by subscribing to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Somehow this person is still able to access my accounts and open accounts using my name and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 National Credit Adjusters agreed to manually delete tradeline reporting from credit Reporting agencies XXXX and XXXX. On XXXX XXXX I checked to see if it has been deleted and it still shows on my report which is hindering me for applying for a vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if youdo not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX Late Date XX/XX/XXXX
Product: Credit card or prepaid card

I was given an invitation to establish a Chime account with the assurance that once I had deposited {$200.00} the individual that sent me invitation and I would receive {$100.00} each. We spoke to multiple Chime representatives about this. We were instructed to go to the Social Security office and have them redirect {$200.00} to the Chime account. Social Security said they can not split my monthly payments. We called Chime again and were advised to do a bill pay from my banking app. I went to my bank branch and completed the necessary paperwork to send Chime {$200.00}. Now Chime is refusing to honor their advertisements as well as the instructions given by their representatives. I do not want to continue with Chime if we're not going to receive the advertised {$100.00} each. I tried to cancel the Chime account and stop the bill pay, but I find out it will cost me {$36.00} to cancel. This isn't right. We did exactly what Chime instructed us to do. Multiple representatives lied to us on multitude occasions. Please help me and expose Chime for theie lies!
Product: Credit reporting, credit repair services, or other personal consumer reports

On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.
Product: Payday loan

I received a payday loan over 7 years ago from Cashnet USA. I had been going through a lot and could n't repay it On XXXX/XXXX/2015 I received a phone call from a restricted number. I was asked my name and was the last XXXX of my social -- --, and I said yes. When I started asking questions she gave me a number to call which is XXXX and then she said she was only a finder. when I called the number I spoke with XXXX at ext. XXXX. She told me she was calling because They were trying to serve me a subpoena at my address. I be home everyday so I knew she was not telling the truth. I told her this debt was over 7 years and chapter XXXX says the statute of limitation is 3 years but I found out it 's 5 years, then she told me it was 8 years. XXXX wanted me to give her a debit card number that she could take the money from this card. I refused, and then she told me if I did n't call her back with a card number by XXXX she would pursue the matter. She claimed that she called Cashnet attorneys and then while she was talking to me she mention something about a collection and that 's when I asked her was she with a collection agency.
Product: Checking or savings account

CITI Bank. Tried to open a new savings account : Accelerate 2.36 %. Have made over 30 phone calls. Would not accept wire transfers in good faith and bounced it two times and charged me {$100.00} for that. Will not communicate effectively about how to resolve wire transfers into CITI Bank savings. Now will not transfer out the {$10000.00} that is in there by TRANSFER from my Credit union, except {$2000.00} at a time for the next 5 weeks. Another loss of money. Further, a tremendous loss in interest from my local credit union because of CITI Bank 's problems. Never can help the customer.