23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian has not provide me with evidence from disputed accounts which I have requested serval times in the past.
Product: Payday loan, title loan, personal loan, or advance loan

1. **Failure to Fulfill Agreement** : On [ XX/XX/XXXX ], we entered into a binding agreement in which [ Conns ] promised to remove a negative mark from my credit report upon my maintaining the account in a current status. Despite my full compliance with this condition, the negative mark remains on my credit report, constituting a clear breach of our agreement.

2. **Retaliatory Actions and Unethical Practices** : Following my report to the XXXX XXXX XXXX regarding [ Conns ] s conduct, I have been subjected to retaliatory actions. My credit has been held hostage, and I have experienced further detrimental impacts as a direct result of exercising my right to file a complaint. 

3. **Unauthorized Charges** : On [ XX/XX/year> ], [ Conns ] unauthorizedly charged my credit card despite my explicit denial of authorization for the transaction. This unauthorized use of my financial information is both a violation of our agreement and an unacceptable breach of trust. 

4. **Harassment and Threats** : I have been repeatedly harassed and subjected to insults, XXXX XXXX, and threats to my life, credit, and well-being from the phone number XXXX. From XXXX XXXX the general manager himself. These calls, which total 25 minutes, have been video recorded and can be provided as proof. This behavior is intolerable and adds to the grounds for immediate termination of our contract. On XX/XX/XXXXXXXX XXXX XXXX
Product: Checking or savings account

My home was damaged through flooding during XXXX XXXX on XX/XX/year>. I filed a claim through my flood insurance carrier and they issued me a check made payable to my mortgage company and me, which required the mortgage company, XXXX XXXX XXXX XXXX, endorse the check. XXXX then issued me an advance payment of {$40000.00} to begin mold remediation and repairs. I received that check on XX/XX/year> and because it was Veteran 's Day, and I was not able to make a mobile deposit due to the amount, I deposited it into the ATM at my local branch of the Fifth Third Bank, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I expected that the check would clear through ACH on XXXX XXXX, and indeed it did clear through ACH on XX/XX/XXXX. Nevertheless, funds were not posted to my account on XX/XX/XXXX so I phoned the manager, XXXX XXXX, who advised that : XXXX  XXXX  ' had been placed on the check and that funds would not be available to me until XX/XX/XXXX. I inquired as to the basis for the hold and XXXX told me that the bank had to protect its interests against fraudulent activity, etc, etc, etc. I informed XXXX that the check was obviously from a legitimate company - the same mortgage company that I have been regularly paying through that account for years ; that the check was for Disaster Relief for mold remediation and repairs to my home which had been flooded in end of XXXX- it is not a lottery check nor a check from some fly-by-night entity ; thus funds were desperately needed to pay people and services done and those I need to contract for as I had depleted all other funds from my accounts in the previous XXXX XXXX weeks trying to clean up and get my house cleared out of mold. I asked that the restriction be lifted. XXXX declined to do anything but make me wait. I phoned Fifth Third 'back office ' and spoke with a Supervisor who verified that the check had indeed cleared the ACH on XX/XX/XXXX, and that the restriction and length of time funds are held is discretionary- any hold could be a 3-day hold. Fifth Third Bank 's interests are 'being protected ' by use of Disaster Relief funds as that the bank can make money on the funds at the expense of people who are victims of Disasters, whereas Fifth Third Bank advertises they are there to help in such times. I have been an account holder with Fifth Third, and the bank prior to 5/3, Citizen 's, for almost 30 years with no difficulties occurring on my accounts. Thus, I find this 10-day hold on Disaster Relief funds completely unconscionable and do not understand the bias and discrimination. I do not want others to have to have this treatment when they are suffering and in need.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX  and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS DEBT IS A RESULT OF IDENTITY THEFT. I HAVE FILED CLAIMS PREVIOUSLY AGAINST THE ORIGINAL CREDITOR, XXXX XXXX  AS A PART OF MY IDENTITY THEFT PACKET FILED IN 2019. THIS CHARGE WAS REMOVED THEN SOLD TO A COLLECTION AGENCY WHO HAS PUT THIS ON MY REPORT AGAIN. I FILED A POLICE REPORT BECAUSE I HAD SEVERAL DIFFERENT ACCOUNTS THAT I HAD TO DISPUTE OVER THE PAST 3 YEARS. THIS IS RIDICULOUS. THESE ACCOUNTS HAVE MIS MATCH INFORMATION, MOST DON'T HAVE MY NAME, CORRCT SOCIAL SECURITY OR ADDRESS. I WOULD LIKE FOR THIS COMPANY TO BE SUBJECT TO A FINE AND OR LAWSUIT FOR THEIR CONTINUED NEGLIGENCE IN REPORTING THIS ACCOUNT. THIS IS EFFECTING MY JOB AN ME FINDING A PLACE TO LIVE. THIS NEEDS TO BE REMOVED IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

This has been ongoing since XXXX XXXX XXXX At this point it is my understanding that the investigation part is complete at Capital One Bank but they the security team is still holding my funds. The lack of response from Capital One is astounding. We are taking about a deposit that Capital One accepted into an account that was not mind of over XXXX and at the time the account that it was put in was closed. Capital one sent me a copy of what the transfer looked like and it clearly had my name on it. The originating bank has asked for the funds back ( XXXX  ) but to this date capital one has still not sent back my funds and will not give me a date or time of when that is going to happen. So while my case says it is resolved they are still holding my funds. 

Please see previous complaints filed and all of the information is described there. I was told by XXXX with Capital One that there is no timeframe for which Capital One is held to return my funds and feel that this is not ok. 

Please help me hold Capital One accountable to someone as they continually have media coverage about how they are doing these type of things
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, LVNV FUNDING LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I waited to see if they ( Experian ) would really investigate the situation. Apparently they did not. They told me I had to contact XXXX myself, so I did. Attached is the proof I did their job for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I must have co-signed for my daughter in 2015 for a First Horizon Credit card. I do not remember and when she asked she said they do not show me on the account. I have sent an email previously with no response. I keep getting notifications of my credit score being affected by late payments to a credit card I may have co-signed with my daughter five years ago. I have not received one notice of late payments. I had excellent credit prior to this. I would like this taken off my credit report. Through Covid and odd glitches on First Horizons end this account as well as the checking account has gotten really messed up. The account has a hold on it so no online payments have been allowed. Calling the number on the back of the card they tell you to go into a branch. The branch says call the number on the card. My daughter has been given the run around and been charged all kinds of fees she shouldnt have. She has been treated like someone that does not deserve any respect for no other reason than perhaps the fact she does not have a lot of money!? I would like to straighten this out for her. I dont have the account number because she wants to fix this herself but if my name is on the account I should be able to access this to rectify it. This has gone on for months, hopefully someone can help us once and for all. Strangely enough a branch called her in  yesterday asked for her Id and debit card no explanation and dismissed her. It should not be this hard for someone to take your money! Its not even that much that is past due but it has seriously damaged my credit.
Product: Debt collection

XX/XX/year>XXXX  {$1000.00} was removed out of my bank account and {$100.00} process fee also. The transaction was titled " execution XXXX '' XX/XX/year>XXXX  I called my bank account and they verified it was a levy. They gave me a number to call. 

XX/XX/year> I called the number where they then directed me to a " debt collector. '' When i call they verified my identity with my name, date of birth and last 4 digits of my social. They stated that my name was spelled differently and that the date of birth they had was wrong. 

I just called a lawyer because as I went to search their information online, there are many reviews stating they're scammers. Also that they have been sued in the past for wrongful collections. The company 's name is Pressler , Felt & Warshaw , LLP.
Product: Credit reporting or other personal consumer reports

I submitted a complaint about Affirm failing to report positive payment history, as they advertised and promised when accepting the loans. I submitted a complaint here recently about it, and I included screen shots of the loan ID numbers that Affirm has been refusing to report. It totals XXXX on-time payments, which is a significant amount of history that should be added to a credit report - not just the negative reporting because it helps Affirm prey on their customers ( in an abhorrent manner ) if things go south. Here is my response that explains that situation : This is cherry-picking and selective bias at its finest. Here are XXXX loans that I took out from Affirm, totaling XXXX on-time payments that they are refusing to report to the credit bureaus ( posted below this paragraph ). Notice how they fail to mention them? I submitted these along with screen shots for my complaint to XXXX, which Affirm still ignored and refused to post to my credit report ; Ill be calling XXXX tomorrow to submit this to reopen the challenge. Affirms image and selling-factor ( aside from monthly payments ) is based around reporting positive and negative payment history to the credit bureaus- this was a service offered and promised to me upon every, single loan agreement. Anyone can visit their website ( sign up for a loan ) and see that they offer this as clear as day. Despite that, they have failed to properly report my history with them. 

XXXX : XXXX on-time payments not reported XXXX : XXXX on-time payments not reported XXXX : XXXX on-time payments not reported XXXX : XXXX on-time payments not reported Ive made a complaint to the CFPB before about their unwillingness to report positive activity before XXXX to which they responded with another excuse/loop-hole that can potentially get them out of it. Im submitting another complaint with the CFPB, along with this indisputable proof. Im just going to reciprocate the energy, and since Affirm doesnt want to follow through with their word of posting positive activity ( which they fell through on long before I suffered a severe auto accident and fell behind on payments ), I suddenly dont feel like paying the collection agency to settle this debt. Its despicable how they offer and promise proper payment history for potential customers, only to say Affirm is not obligated to report every loan once it becomes convenient for them in a situation such as this. Believe me when I say I will wait the XXXX years for it to disappear from my credit report. However, Ill be contacting the FTC tomorrow about this as well. Last, if my loans were put in deferment, then why were they not deferred, and why were payments still due on them? That's not a deferment.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX, XXXX XXXX ( Via their ACH " Telecheck from Fiserve '' ) issued a {$20.00} " Return Fee '' to my bank account without any transactions taking part by myself and without consent. 

This return fee, according to online searches, is issued by Telecheck when there are insufficient funds in an account they are attempting to withdraw from. There were no transactions made by myself between my checking account associated with XXXX XXXX and XXXX XXXX in the month of XXXX. 

As XXXX XXXX is a sportsbook, they seem to have separate " wallets '' for individual states for tax accounting purposes. This means that when you cross state lines ( XXXX  to XXXX  in this case ) XXXX  issues an automatic account transfer from one states wallet ( XXXX  ) to the other states wallet ( XXXX ) using their ACH Telecheck. I was not asked if I wanted to transfer funds and did not consent to any transfers to or from my checking account. I was not notified the funds would be transferred. I have never attempted to make a deposit, withdraw, or transfer to or from XXXX XXXX with insufficient funds. 

When crossing state lines ( XXXX  to XXXX  ), the balance of the sportsbook account was XXXX. XXXX XXXX, via Telecheck  as ACH, seemingly issued an automatic funds transfer from XXXX  wallet ( managed by XXXX ) to XXXX  Wallet ( managed by XXXX ). XXXX initiated an automatic transfer of XXXX and Telecheck issued a {$20.00} " return fee '' to my checking account associated with the XXXX account. 

The statement by XXXX XXXX support when attempting to rectify this is as follows : " Thank you for contacting XXXX Customer Support. I apologize for the inconvenience. 

Return or retry fees are charged by our ACH processor. This would be associated with a previous deposit attempt where the user did not have funds available, so when our ACH processor tried to collect funds and couldn't they go back later to collect funds + charge fee. 

Telecheck ACH Processor Contact info : https : //getassistance.telecheck.com/consumer-contact.html " There were no transactions between my bank account and XXXX XXXX without sufficient funds and/or in the month of XXXX. I next asked XXXX support to confirm my account transactions in the month of XXXX and XXXX XXXX confirmed : " Thank you for contacting XXXX Customer Support. My apologies. I can confirm there is a wallet transfer of {$0.00}. '' Over the period of two phone calls, one currently as this is typed, I was on hold with Telecheck to dispute the charge and receive a transaction history. The first phone call I was on hold for over an hour until I had to hangup. I have cancelled my evenings plans today because I have been on hold for over an hour again and I want this issue explained and rectified.
Product: Credit card or prepaid card

In XXXX, my Bank of America Credit card tradeline limit was lowered for excessive usage. I just received an email today stating that my credit card account was closed due to possible inactivity, delinquency, public records, or balance issue. I called Bank of America to resolve. I was told that they couldn't do anything about it and I will receive a letter in the mail. My daughter was also on that credit card as an authorized user because I was trying to establish good credit for her as well. This has now altered both our credit scores and I'm considering a civil suit for financial discrimination. We are Americans of XXXX descent and posed no credit risk higher than anyone else. My account was paid off religiously and carried full available credit at the time it was involuntarily closed. I am disgusted with Bank Of America. 

" ACCOUNT CLOSURE Account number ending in XXXX Bank of America Unfortunately, we've made the decision to close your credit card account ending in XXXX on XX/XX/XXXX. 
We wanted to let you know about this change in your credit card account status as soon as possible. We want to make sure you understand how this change could affect you and what you can expect. 

We'll be sending you a separate letter by mail to explain why we made this change. Please read it carefully. It provides you with more detailed information. 

If you have any recurring payments linked to this account, please be sure to make other payment arrangements. 

We apologize for any inconvenience closing the account causes you. 


Learn more about understanding and improving credit by visiting XXXX XXXX XXXX, which provides tools and information to help you manage your money. 

Legal disclosures and information Contact Us | Privacy & Security You're receiving this servicing email as part of your existing relationship with us. 

Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX. 

Bank of America, N.A. Member FDIC. Equal Housing Lender XXXX Bank of America Corporation. All rights reserved. 

This email was sent to : XXXX EMAIL-XXXX  ''
Product: Credit reporting

After Reviewing My Equifax credit report I found their was a bankruptcy showing on my report. I first contacted the reporting agency as seen on my credit report, NJ bankruptcy court via mail. They wrote me back indicating that they have no correspondence nor do they report to any of the XXXX credit bureaus. I then contacted Equifax and requested that they validate this negative account and provided me with copies that clearly state that NJ bankruptcy court is n't reporting to their agency. I received a letter back from Equifax stating that they have validated the debt. They have not provided any such documents bearing my signature, or any documents supporting their claim to be valid. I sent Equifax certified letters on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX asking again that they validate the alleged debt and if they cant please delete the account from my report. I noted in my letter that proof of validation is a document bearing my signature, or any court documents stating that they our reporting a Bankruptcy to their agency. As of XXXX/XXXX/XXXX Equifax is still reporting bankruptcy on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Ref ID - XXXX I suddenly received a notification today that PayPal permanently restricted my account and froze my balance. I understand PayPal 's efforts to maintain the security of the PayPal community. However, I have been using PayPal for many years and have always maintained a good usage history. Suddenly, my PayPal account was permanently restricted for no reason and my balance of {$8800.00} was frozen. This caused a big blow to my life and will cause me to be unable to pay my credit card bill in the future. Credit card bills will cause a lot of damage to my credit history. I need to use PayPal to pay invoices sent to me by merchants. I can not afford to lose PayPal. Please don't treat a loyal PayPal customer like me like this.