23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for a personal loan. My identity was stolen and person try to get apartments and loan in my name! I would like them to investigate as I attached documents to prove my identity was stolen. Along with my driver license and and passport!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I noticed late payments on a few of my accounts and it has been XXXX trying to get them corrected. The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. The accounts XXXX XXXX XXXX XXXX  are showing late payments when I have stated they were never late. The XXXX account is showing the account # XXXX three separate times and there should only be one whole account. XXXX, XXXX, and Equifax are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.
Product: Bank account or service

JP Morgan Chase bank reordered my transactions to come out from largest to smallest to increase my overdraft charges from XXXX to several. After talking to my bank about it I was informed by them that there were no corrective actions that they could take on the matter. I believe this practice to be unnecessarily financially detrimental and did read several articles about how the CFPB was looking into this practice and wanted to know if anything can be done about it.
Product: Credit card or prepaid card

Since Discover card was opened in XX/XX/2009a payment protection plan was enabled on the card without my knowledge. The account has been on autopay and I did not check my monthly statements. Discover had enabled a so called payment protection plan which I was never aware of and never used. I have been charged around {$12.00} per month for 9 years. Almost {$1300.00}. I called discover when I noticed the charges and was told I could cancel the service and get one month back. I said yes cancel the service and credit me, but that one month was unacceptable  as I had never signed up for the service. Was told this is the best that can be done. I called back and asked for a supervisor who said he could credit me 6 months. I explained I never signed up. He said it was the best he could do. I plan to pursue the money owed back to me however I am able as I know that I did not sign up for this shady product.
Product: Money transfer, virtual currency, or money service

I received a payment thru XXXX XXXX but pnc, my bank won't acknowledge the app, so now my money is unavailable ... just let them link ... what an inconvenience.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt XXXX. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : 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  Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/year> I made a credit card payment in the amount of XXXX against my XXXX credit card. I used the same debit card I have used for previous payments without issue. Today after paying i was immediately locked out of the card and told to call capital one. 

Upon calling I was greeted with a rep from the " fraud prevention '' department who said that I needed to sit on a call with them to have my bank tell them I owned the Debit Card I paid with. I stated that it was the same debit card I always pay with to which the lady says " Well this could be money laundering ''. I then asked her if I complied if my payment would post immediately as it always did before to which she replied yes. Because my area is currently being impacted by XXXX XXXX I went ahead and let her call my bank. 

Of course my bank has to ask me my security questions and verify my identity on their end and now I have someone else listening in with XXXX way to know if my answers are being recorded. 

Effectively Capital One offers customers credit cards with cash back which means that if I need to make a purchase I get a little money back each time. My card has a credit limit of XXXX so I use it for everyday purchases and then make payments to this card to ensure that my credit doesnt take a hit for usage. As a result of making more than one payment the company then identifies me as a possible money launderer. If I dont make my payments or the balance stays too high they report to credit bureaus and it leads to difficulty securing credit in the future.

This is a predatory practice and if they can not utilize tooling to see that the payments are legit than perhaps they should only be allowing one payment per month. At the end of the day the consumer should not be accused of illegalities because the business cant understand its own processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX XXXX XXXX has a third-party collection National Recovery Agency. 
That failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX failed to offer financial assistance. With continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.
Product: Mortgage

Purchasing A NEW home.XX/XX/2016 got all the required paperwork to them timely. rates at the time were 3.25 or 3.74 no higher, We got preapproved prior to our additional deposit of XXXX on the balance. NVR Mortgage the company of the builder sat on our application for two months, until the rates went up and failed to include the additional sum they received or the fact that we asked for 15 year mortgage loan back on XXXX XXXX, 2016. Please help us. My husband is a XXXX Veteran and was approved for a VA loan. This is unheard of that they have not yet given us a 15 year mortgage or they have recalculated the loan subtracting the large sum, they initially stated they never received.
Product: Credit card or prepaid card

I have had credit card number ending in XXXX for many years. Recently the bank contacted me based on suspected fraudulent activity on the card. They handled this appropriately and advised they would need to issue me a new card due to the suspected fraud. The problem is that I had over XXXX loyalty point on that card which have now disappeared with the issuance of a new card and nothing has been done to let me keep these points.
Product: Checking or savings account

I had someone hack into my bank account and they began making transactions through XXXX. ( I do not use XXXX often and have tried avoiding to use it but it is ingrained into my bank. ) The person made numerous XXXX  transactions to themselves resulting into almost XXXX dollars out of my account. My bank sees this as non fraudulent even though this individual used their phone to hack into my account. Since then I have made numerous calls to my bank and now they are just not helping anymore. They promised that I would have a case opened up but it's been roughly a week since then and I should have gotten a call within 3 business days.
Product: Money transfer, virtual currency, or money service

I have an account on Blockfi and they have paused withdrawals. I made attempts to withdrawal XXXX on XX/XX/XXXX and the date of delivery is set for XX/XX/XXXX however I have not received anything.
Product: Debt collection

MCM has not responded to any of my letters to remove this my credit I am attaching my dispute letter to this page they have no rights and I don't consent to them reporting this on my credit.
Product: Credit reporting or other personal consumer reports

XX/XX/2023- I surprised that I'm in a plan called flex plan of Citi bank credit card, I surprised that the minimum amount due will be too high. {$850.00} I was paying before {$41.00} I start calling Citi bank many many times, to go back to the normal payment plan, but they didn't fix it and the amount doubled in XXXX. 

In XXXX statement, the minimum amount due was {$1700.00} I kept calling Citi bank many times to fix that issue and move that debt back to normal. 

Finally in XX/XX/2023 statement, they put me back to normal payment plan, but and I need to pay {$1700.00} the minimum amount due. 

For 2 months I'm trying to fix that situation with the bank and no answer, And after I kept calling Citi bank many times, finally I had to pay the {$1700.00}. 

Next credit report while I'm negotiating that issue with the bank, I surprised that I have late fee on my report for 2 months. 

No collection called me and let me know that I need to pay those amount, before it impacted my credit report.
Product: Credit card or prepaid card

I set up a {$75.00} payment towards my Commerce Bank credit card balance on XX/XX/2021 using my credit union 's Bill Pay electronic transfer service. 

My credit union shows the payment being applied on the Commerce Bank account due date of XX/XX/2021. 

Commerce Bank claims this payment was not received on time ( with no evidence provided ) and was not processed until XX/XX/2021, incurring a {$30.00} late fee. 

One Commerce Bank representative told me over the phone that the bank does not have to process any payments it receives until they choose to. 

In this case, it appears that this payment 's processing was purposely delayed, including over the XXXX XXXX holiday weekend, in order to assess late fees from myself and perhaps many other customers. 

Commerce Bank concluded without evidence that there was no " bank error '' and therefore would not refund the late fee. 

I have since terminated my account with Commerce Bank and advise others to avoid their products.
Product: Credit reporting or other personal consumer reports

I have no idea who these accounts belong to. I have sent letters to dispute but all I keep getting is stall letters or the credit bureaus not properly investigating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I have a loan with BMW Bank of North America for my XXXX XXXX since XXXX of 2015. I pay XXXX extra every month on the loan yet my interest each month remains the same. I can not log into my loan online so apply my extra payments to the principal because the website is perpetually down. I get a XXXX error that the connection timed out. I have tried to access the site from home and at work. How can I manage my loan when I can not log into the website?
Product: Checking or savings account

i'm writing to inform you of a security incident involving certain personal information you provided on my consumer report. As a precaution, we are providing this notice and outlining some steps you may take to help and protect myself. 
i been a victim of bank fraud transactions duplicate XXXX XXXX keep file dispute with an early warning regarding account abuse but I been victim and the transaction with accurate, I didn't authorize the other one since it's fraud
Product: Money transfer, virtual currency, or money service

I paid a merchant for a purchase made on XX/XX/2023. The bill amount was in XXXX, and the total amount was XXXX XXXX. PayPal 's buggy payment system charged me XXXX USD instead of charging the right amount after currency conversion. I contacted the merchant who is in agreement that PayPal did a mistake, and want the funds to be refunded to me. I tried contacting PayPal, and the phone line puts me on hour long waits with no resolution.
Product: Debt collection

Portfolio Recovery at XXXX XXXX XXXX. XXXX XXXX, XXXX, Va XXXX has been sending me collection notices in the amount of $ XXXX collection is being reported as past due balance.I have never done any business with this company.This company does not have any contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

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

On XX/XX/2021 EQUIFAX removed the collection account of XXXX XXXX XXXX XXXX XXXX from my credit report however, it was added back without properly notifying me. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than XXXX business days after the reinsertion. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action.
Product: Checking or savings account

Branch manger at XXXX XXXX XXXX XXXX XXXX in XXXX, 2025 I have tried to talk to XXXX the branch managers supervisor but she will not call me back. I have put in the request 3 times. In a week threatened to stalk my account and investigate every transaction that they seem that it wasn't me using my debit card. Even if I gave permission for my sister and to get things I need while on complete bed rest.

He said along the lines. That they will pull video from stores, exc., investigate every transaction that they seem suspicious that they think that wasn't done by me and if needed terminate my account.

Bank stalking is illegal and all he made a direct threat in where I now fear for my well being and the safety of my account and my close friends who may use my debit card with my permission He said if they deem any transactions not done by me they will investigate. And I asked how will you know and he said they will pull the video from the place the transaction was done at.

Now I fear my account is gon na be closed due to me doin nothing wrong.

He legally can not investigate my account like that without justification. They need something else besides just a gut feeling. 

What if I use my card at XXXX for {$150.00} and he decides that's suspicious were gon na look into that.. you can just can not investigate every transaction I make. I now fear he or others will bank stalk my account
Product: Debt collection

Hello My name is XXXX XXXX and I was experiencing XXXX  pain from my XXXX  and unable to XXXX. This problem continued for over several months and affected me to the point were I was unable to work which caused me to get behind on all of my bills. I finally realized I need to seek medical attention but could not afford to pay {$100.00} copay and additional money needs if prescriptions were ordered so I went to B & R and obtained a signature loan. I went to doctor and several tests were ran and I was diagnosed XXXX positive and advised it might be causing the additional XXXX issues. The medical problems continued due to the medication needed was over {$2000.00} and I just didn't have access to that kind of money and I also was embarrassed and fearful after receiving diagnosis that my job would find out and terminate me so I was being seen as uninsured. B & R called regarding payment and I advised of my inability to pay at this time due to out of control issues. That's when the repeat calls started and I spoke with each person within their office and explained the situation somewhat but told them it was related to IRS issues. I couldn't gain the confidence to disclose the real reason I was unable to work. They called and threatening wage garnishment, disclosed wage garnishment to all my references, left wage garnishment information on my cellphone and at my job. They left message stating that I would be terminated from my job at law firm if they file wage garnishment. They stated that I was avoiding their calls and that I was a terrible person because I stopped communicating with them. They advised me that when they gave the loan I was okay but now that I cant pay I am a terrible person and need to pay up. They advised me instead of paying my rent I can pay them and live in shelter or stay with family and friends. These actions taken by the company has me stressed and adding to medical issues i am battling.
Product: Credit reporting or other personal consumer reports

I've filed numerous reports to the bureau 's about this account not being mine and was a result of identity theft. 

Accounts : XXXX XXXX {$730.00} XXXX  XXXX XXXX {$810.00} XXXX XXXX XXXX XXXXXXXX was deleted and put back on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

my XXXX XXXX XXXX  says last report dates was on XX/XX/2021 but my statuss dates says 30 days last when account was paid in full on that day.
Product: Credit reporting or other personal consumer reports

I am unable to view my Equifax report or scores. I have submitted letters to Equifax asking them to release the block or whatever they have that is keeping me or companies from viewing my report. Can you please help with this matter?
Product: Debt collection

This bill has already paid by work compensation.their phone number is XXXX.please if anymore questions please contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  XXXX XXXX account # XXXX has violated my rights. 



Inquires : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX 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 XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
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. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX : # XXXX, XXXX - XXXX XXXX  : # XXXX, XXXX - XXXXXXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX, and the US Bankruptcy # 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

There is a checking account that keeps showing up on my report with a completely different social security than mine, I have no knowledge of this account this account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im seeing hard inquiries on my account that I didnt make.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I submitted a packet to Transunion, in regards to the inaccurate information on my credit report. In the packet i've included a cease and desist, notarized Affidavit of truth. Transunion has violated my Consumer Rights under FCRA 15 U.S Code 1681e ( b ), 15 U.S Code 1681i ( 5 ) ( a ) ( i ) 15 U.S Code 1681b ( 2 ).
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$110.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX