23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 ( Charge Card Account ) has violated multiple federal privacy laws. Under 15 U.S.C 1681 SECTION 602 A, I have the right to privacy. Additionally, the Privacy Act of 1974 ( 5 U.S.C. 552a ) requires prior written consent before disclosing records to consumer reporting agencies. XXXX has failed to provide the required privacy notices and opt-out rights under 12 CFR 1016.4 and 15 U.S.C. 6802. 
This account shows multiple delinquencies from XX/XX/XXXX through XX/XX/XXXX, with reported late payments of 30, 60, and 90 days, closing in XX/XX/XXXX. I am exercising my continuing right to opt out under 12 CFR 1016.7 ( h ), which requires compliance " as soon as reasonably practicable. '' The continued reporting without proper privacy notices, opt-out opportunities, and consent violates both the FCRA and the Privacy Act of 1974. I demand immediate cessation of all reporting of this account to any and all consumer reporting agencies.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madame Thank you for having this site for us a customers Paypal permanently limited my account and sent this email last XX/XX/XXXX : You can no longer use PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it. Youll not be able to use PayPal to send and receive payments or shop online. 

If you have funds in your PayPal balance, well hold the amount for up to 180 days. After that period, well email you with information on how to access your funds. 

We regret any inconvenience this may cause. 

But now I look on my account and found out that they already transferred the money on their account. Here 's the message Transaction ID XXXX Note {$1300.00} USD ; PayPal Posting Date : XX/XX/XXXX ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 

Please we need help from you a lot of people is also having problem like this specially those who with small businesses. 

Thanks and XXXX
Product: Credit card or prepaid card

I had a fraud claim that took 9 months for my Best Buy card customer service to resolve due to a problem with their own agents neglecting their responsibilities which caused the process to take 4/5 months longer than anticipated. I just now tried to complete a transaction that was not approved due to insufficient funds come to find out that this same company charged my account {$1200.00} instead of the agreed upon payment of {$120.00}. This caused my account to go into a negative and also caused all of the other bills I paid that day to decline and caused me to incur additional fees for those overdrafts with my bank.
Product: Debt collection

I received numerous amount of letters started XX/XX/2021 about a medical bill saying that Ive visited their department or a 3rd party department owing ( {$2100.00} ) which is incorrect, I havent been to a hospital in over 10 years I have my once a year check up with my doctor which is covered by my 15 years of medical health insurance. I contacted the collectors asking if they could validate the information because I dont have any idea how this could have happened. I have also asked the collector to show me documents of the initial visit or whatever information they having claiming was me, I sent a few letters to the collector throughout the months as well as one to the credit bureaus, As results was not received in a timely manner i received a notification about 50 days later from the credit bureaus that my file had been update only to find out it stated all information was correct, That is definitely false information because it was not me, I received not one letter in the mail about an investigation or about information being validated, I dont know who they think they are but I would know if Ive ran up a bill Im a responsible adult not a child I always pay my bills, I received no letter or response back from them personal showing me that I initiated the response. Its been months since I last reached out to them, I had a lawyer advised me to file a complaint with you guys to get to the bottom of this.. Thank you for taking the time to read this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 
MY NAME IS XXXX XXXX ( XXXX ) Please remove any other variations of my name! my current and only address is XXXX XXXX XXXX, XXXX, OH XXXX My employer is XXXX please XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Debt collection

There is a previous complaint about this company from me. I am writing because my parent 's savings account was levied by XXXX XXXX XXXX. The bank got their notice on XXXX XXXX, mine was n't mailed until XXXX XXXX. I received the paperwork on XXXX XXXX, and the money was already removed before I had the chance to file an exemption. I also filed an exemption with this company on XXXX XXXX, 2015. The savings account that was levied only has my name on it in case something should happen to my parents. We are clearing that end up at the bank, but the fact remains that I was NOT allowed proper time to file my exemption with them before they sent the form to the bank. This happened once before, years ago, and I did file a complaint. 

I have been making my payments. They claim they did not receive the XXXX payment, and I know the first XXXX payment did n't make it through the bank so I immediately re-issued the payment and then continued on in XXXX. Their amounts do not reflect the proper amount owed on the account. 

I KNOW that they have to provide me with enough time to file my exemption in the case of a garnishment or account levy. They will claim it was a different account number, however, all amounts show the SAME account number. I feel I am being harassed nonstop by these people, after we have made an agreement. Please make them STOP!!!!! I am TRYING to get this debt cleared up, repeated attacks from them after we made an agreement are not helping!!!!! 

I am attaching documentation, however, I am not attaching every receipt, as you have all of that from my previous claim and I doubt that you want to read through it all again. I WILL provide it if necessary. I have provided the garnishment/levy notice, the date it was postmarked, the date the funds were levied from my PARENT 'S account and the original settlement letter. Please let me know if you need anything else. 

Thank you so much for your time!
Product: Checking or savings account

On XX/XX/2023 I opened a Bank of America checking account through a link on their website offering a {$100.00} bonus for opening a new account and receiving {$1000.00} in direct deposits within 90 days using code XXXX. The bonus was supposed to post within 60 days of meeting the terms. I met the terms on XX/XX/2023 after receiving {$1000.00} in direct deposits from my employer. 

On XX/XX/XXXX I called Bank of America and was told no promotional code showed on my account. I explained that I applied using a promo on their website. They asked for the promo code I used three months prior which I did not know off hand. 

On XX/XX/XXXX I found that I had took a screen shot of the application with the promo code XXXX so I called back. I told them I had used the code. They then told me that they could see that the code was added to my application which contradicted what I'd been told the previous day. They then tried to tell me that I didn't have {$1000.00} in deposits to meet the promo. Then I manually added up each deposit and told them it came to {$1000.00}. Eventually they added it up and acquiesced. Then they told me that I did meet all the qualifications but that I hadn't received the bonus because 60 days hadn't passed yet. I then told them that the terms were met on XX/XX/XXXX and since today is XX/XX/XXXX that is well over 60 days. Then they said that it would be looked into. 
I recently read about the legal action against Bank of America and one of the issues seemed to be their unwillingness to pay bonuses even when terms are met so I decided to file this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Debt collection

I had a credit card with a company called XXXX. 
Back in I believe XXXX, I received notice from XXXX that their business was closing, all cards would be unusable and to continue to make payments via their app. It was not long after that I was unable to access my account to even be able to pay. I was unsure what to do from there and assumed that someone had purchased all of XXXX 's credit accounts and we would be notified who I needed to continue payments with. Around the same time, we purchased a house in XXXX. I had changed our address and figured I would get some form of communication. I received no letters regarding who now owned the debt until yesterday XX/XX/XXXX. I was served a Notice and petition for judgement filed by Gurstel Law Firm PC in behalf of XXXX XXXX XXXX XXXX. ( The current owner of the debt ). I contacted Gurstel Law to explain the situation, ask to set up payments and to stop the judgement. They we unpleasant to talk to and agreed to set up payments of {$120.00} a month and they advised would submit a temporary stop on judgment under the terms that no payments were missed. I asked the Attorney to please let me know what the total I would have to pay back would be and he said that there will be the balance plus court fees which he advised would be at least {$95.00} as well as service fees in which he would not tell me the total of. I was forced into a payment plan of which I have no idea the total amount they will be taking from me. That is one major issue I find. The other larger issue I see is that the Attorney told me that in order to stop the judgement, I have to sign an agreement for the payment plan and send it back to them. He advised the letter will take 2-4 weeks to get to me and i have to mail it back. The issue is that I only have 20 days before I forfeit the judgement. I asked the attorney if they will stop the judgement before considering i authorized the payment and payment plan and he told me he couldn't give me legal advised. What I'm gathering is that they are attempting to force a judgement on me by delaying paperwork even thought this whole issue was not my fault and even though I am actively attempting to resolve it. I am at a loss of what to do and can not afford an attorney to help me with this. It is in my eyes extremely predatory and unethical.
Product: Debt collection

On XXXX XXXX, 2023, an account representative from Resurgence Legal Group , PC, sent me an email with court documents that were for another customer of theirs. When I inquired about this email and document I was told to disregard and delete said email. Personal information regarding this other persons debt was released to me.
Product: Debt collection

About 2 years ago, I received multiple phone calls and mails claiming that I owe over {$14000.00} to CitiBank. First of all I never opened an CitiBank account. I even went to my local CitiBank and asked them about it and they said that there is n't any account under my name. Then recently I got another letter, so I went to my local police station and they said I needed more information to file a report. I wrote to the debt collector asking for the bank statement and they sent me an account summary which states that I have been a member since 2012 and used a Citi ThankYou Preferred Card. What is my next step?
Product: Mortgage

On XXXX XXXX, 2015, XXXX from XXXX contacted us and stated that they had worked out a modification with Freedom Mortgage. However, one of the requirements from Freedom was that we had to deposit 2 months of payments in a trust. XXXX had deposited the money to get the modification approved, but we had to replace it to be distributed to Freedom. Two payments in the amount of XXXX was drafted from our bank account. We were told by Monty that we would receive the modification paperwork by XX/XX/XXXX. But we never received any paperwork for a modification. We have requested a refund from XXXX, which was addressed to client relations. We were told in XX/XX/XXXX that we would get a refund within 45 to 60 days and we still have not received our refund of {$2700.00}. Subsequently, a second request has been sent to client relations, but no response. I am attaching the second request and the XXXX ruling. Thank you for your assistance in this matter. We had our VA representative to contact Freedom and he was informed that they had received a cease and desist from XXXX but nothing else.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I checked my TRANSUNION Credit Report that is linked, XXXX  : XXXX XXXX to my XXXX XXXX Bank Account. To my surprise, TRANSUNION is falsely, inaccurately reporting and sabotaging my reputation, by reporting on my Credit Report that, I have 2 recent XXXX XXXX BANKRUPTCIES. This devastating fraudulent inaccuracy is saying that I filled BOTH of these BANKRUPTCIES on XX/XX/2022. I ASSURE YOU THAT, I HAVE NOT FILLED NOT XXXX XXXX XXXX XXXX XXXX BANKRUPTCIES on XX/XX/2022. 

My husband and I are in the process of getting ready to purchase a home. After our Realtor was made aware of this falsely, inaccurately reporting and sabotaging my current reputation, she immediately said this would be an issue, because I couldnt have any RECENT BANKRUPTCIES less than 2 years on my Credit Report in order to possibly move forward in the purchasing of our first home. DO TRANSUNION HAVE ANY IDEA WHAT THIS HAS DONE TO ME! I literally have been XXXX ever since my Realtor stated that to me. I was so devastated over this, I didnt even go out of town with my Family and to celebrate my Aunts Birthday with her, because theres a STRONG possibility that my husband and I wont get the home we have our eyes on, due to this FALSELY AND INACCURATELY REPORTING. 

So, the home that my husband and I have our eyes and hopes on of purchasing, may possibly be purchased by other buyers, due to TRANSUNION FALSELY AND INACCURATELY REPORTING THIS ON MY REPORT. 

Now, I spoke with XXXX XXXX on Friday, XX/XX/2022 about this FALSELY and INACCURATELY reporting on my TRANSUNION Credit Report they share with them. And I was told by XXXX XXXX that they ( XXXX XXXX ) did have anything to do with this. All they do is provide us ( MEMBERS ) a free access to our Credit Report provided, by TRANSUNION.
Product: Vehicle loan or lease

To whom it may Concern, My name is XXXX XXXX and I leasing a car from XXXX. Santander took over and I've been paying without missing one payment except back in XXXX when Covid-19 hit badly. I missed about XXXX payments and since then until now I never missed a payment. I emailed the CEO of Santander 6 times a goodwill letter and he never responded to my emails. I mailed them a goodwill letter on XX/XX/XXXX and they never responded. I called and they told me to call Credit Bureaus and they should remove them. Credit Bureaus are saying we can't help you because Santander has to do the job. Santander doesn't answer emails, mails. NOTHING. 

Again I mailed them another goodwill letter on XX/XX/XXXX and still never responded. As I mentioned before about Covid-19 I went through a financially tragic moment where I lost my job due to Covid-19 and as a result, I missed XXXX payments. To make your process of deletion easier, please find the late payment dates below : XX/XX/XXXX XX/XX/XXXX Regards, XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX EST I've issued a request to convert XXXX USD to XXXX XXXX XXXXnclusive of all fees via Wise. The rate expired due to a technical difficulty on the Wise side, they are holding my funds in their accounts refusing to respect our contract. I am calling for a deeper investigation not only to my case, but all other customers that may have been affected. 

Wise provides a guaranteed rate for a certain amount of time. I have received a confirmation email from my bank XXXX XXXX that the money transfer has been processed on XX/XX/XXXX XXXX AM, XXXX within the timeframe for the guaranteed rate. 

My membership number with Wise is : XXXX Additional factors : * XX/XX/XXXX was XXXX day, meaning no bank transfer could've been processed during this day. I have set up my transfer to Wise immediately after filing the request with them on XX/XX/XXXX. I also reached out proactively to Wise support on XX/XX/XXXX as soon as I heard it no transfers are being processed that day and was reassured by the agent. I also provided confirmation that I issued the transfer already. 
* On XXXX XXXX Wise announced XXXX their website that they are having technical difficulties with their systems causing delays in transfers issued via bank transfers. 
* On XX/XX/XXXX I called into the call center and Wise told me they are going to investigate but refused to release my money and respect their guaranteed rate without fault on my behalf.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting

my credit is wrong i never had a credit card or apply for any credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XX/XX/2017 I became aware of a collection item on my credit report. 

The collection agency is Southwest Credit System representing XXXX XXXX of XXXX  CA. 

I became aware of this collection on my credit report 1 month aftrer it was initiated. I was surprised and appauled that XXXX had turned this account over to collection. 

In XXXX, 2017 I received a notice reflecting {$80.00} due from a tow on an account I shared with my daughter. I called XXXX and I can't remember the exact details but we reviewed the account and agreed that I didn't owed {$80.00} but discovered that XXXX in fact owed me {$19.00}. I don't remember all of the details. The XXXX agent told me that I would be receiving the refund check in the mail. 

Needless to say, when I discovered in XXXX, 2017 that the debt had been turned over for collections I was very upset and perplexed. 

I called Southwest Credit Systems and was told that they could only collect the debt but couldn't help me with my story about not owing and the conversation/refund I spoke with the XXXX agent about. 

I then tried calling XXXX who told me that they could not access the records nor could they find any conversations on my account. I believe that by this time my daughter had her own account so the account numbers had changed. 

At this point, I just wanted to pay the balance so it would no longer reflect as an unpaid collection on my credit report. I explained to the Southwest Credit representative that I was paying it so my credit would not be destroyed but that I didn't owe it. 

Sometime after I paid the {$80.00} to Southwest Credit, I discovered that I didn't even cash the refund check remitted by XXXX because I was holding on to it thinking it would help resolve the matter. I filed the check and the notice ( originally received that initiated the phone call resulting in a refund ) thinking I would receive additional correspondence from XXXX. I never did. I subsequently discovered the negative collection on my credit report. 

After I found the notice and the check, I called Southwest Credit back hoping they would review the documents and refund my monies and remove the negative collection from my credit report. 

However, when I called Southwest Credit I was again told there was nothing they could do. 

Now, I am refinancing and this negative collection is driving down my credit score. It's very unfair that consumers get caught in the loop between collection agencies and vendor errors.