23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX had a PNC Bank Account since XX/XX/XXXX.

InXX/XX/XXXX XXXX  and I started to see a lot of fraudulent activity on his account.

We tried calling the bank and to no avail was an investigation done, the account was not put on freeze nor was the account closed.

We did dispute the unauthorized transactions but a lot of the transactions were denied or reversed and XXXX  was paying double to triple times for those unauthorized transactions.

In XX/XX/XXXX the bank made a {$400.00} error and never corrected it and stated that they had videos from a convenience store ATM and they had no court order to get those videos.

Plus in XX/XX/XXXX his account was finally closed and now the bank states we owe them {$80.00} and the bank is still putting money into and reversing transactions from his definite closed account!
Product: Credit reporting

XXXX XXXX reports my loan in default but in fact it is current with XXXX. I have disputed this several times..
Product: Mortgage

Hi, I took a loan with XXXX XXXX for {$370000.00} with loan number XXXX. Before i made my first payment in XX/XX/XXXX, it was sold to XXXX XXXX. So I made my payments with XXXX XXXX for XXXX and XXXX. The loan then was sold back to XXXX XXXX  mortgage in XXXX of 2021 and finalized on XX/XX/2021 and is now Loancare with a loan number of XXXX with balance of {$370000.00}. XXXX XXXX sent the XXXX payment back to loan care but kept the XXXX payment since i was still with them. XXXX however is saying i still owe them the XXXX payment. While XXXX XXXX is arguing that they are keeping the XXXX payment since i was still with them. XXXX closed the new account ending in XXXX and said that that loan is paid off. They made a mistake of closing the wrong account and want the XXXX payment. I have tried to resolve this problem with XXXX for the past 3 months with no resolution. 

XXXX/ Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called Experian and asked to update my personal information and have everything current and remove everything thats not accurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  ; Account # 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: Mortgage

I have mortgage on the property located at XXXX XXXX XXXX XXXX, GA XXXX with XXXX  XXXX. The servicer is the money source. They disbursed {$1500.00} on XXXX XXXX, 2020 to make first installment payment for the property tax. They also disbursed {$470.00} on XXXX XXXX, 2020. I contacted the company via phone and via email about this payment. The tax person admitted that the payment was made for different parcel. My account has not been credited for this amount as of today.
Product: Checking or savings account

was contacted by collection agency saying I had an outstanding balance in an account that was opened in 2013 at citizens bank that I don't remember opening and I'm not sure how to proceed my indenty was stolen and someone filed taxes in my name and now I receive a pin number to file taxes with and i believe it was around this time that it happened
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX U.S.C 1681 Section 602 A. States I have the right to privacy. ( I did not give my permission ) 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 or any other adverse items of information, other than records of convictions of crimes, which antedate 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

ID THEFT FTC case XXXX & XXXX data breach. Unable to conect by phone on XX/XX/2020 I emailed XXXX REQUESTING XXXX ACCESS TO NO AVAIL. XX/XX/2020 XXXX  emailed me my dispute was completed to go on line for results. My complaint is that XXXX  is NOT ACCESSIBLE TO ME WITH MY SEVERE XXXX XXXX. My XXXX can not press the exact right spot to NOT BE A ROBOT. SO CALL ME A ROBOT! I am unable to set up password also. NO XXXX SCREENREADER OR VERBAL SPEAK PROMPS WHEN OUTSIDE APP NO SET UP ACCESS. Password requires a special sign, upper case, lower case, number MY HANDS CAN NOT DO THIS PHYSICALLY. ( XXXX  IS NOT ADA ACCESSIBLE. ) I am a victim FTC case  XXXXof Ideninty Theft XXXX XXXX year old Targeted Consumer with NO ACCESS AND I AM DENIED WHAT THE REST OF THE WORLD IS PROVIDED DUE TO MY XXXX.
Product: Credit card or prepaid card

I have many credit cards and I pay off my balance in full every month. The card in question is a Comenity Bank issued Caesars Visa card. In my XX/XX/2022 statement, there were transactions totaling {$39.00}. As I was paying my bills, I had to hand write the address because the cc company did not attach an envelope which I had complained about before. I sent in my payment early ( about 10 business days ) and even decided to use the card at where it was issued on my trip. XXXX my horror when I received my new statement in XXXX and aside from my charges, there was a late fee of {$29.00} and interest changed of {$3.00}. I called the cc company to resolve the issue and was told the company received my payment on XX/XX/2022 instead of the due date of XX/XX/2022. The staff could not take off the charges so I asked to speak to a supervisor. He said they had given me a pass about 8 months ago. On further research, I read that the main bank company ( Alliance Data ) and its subsidiary banks have trimmed staff etc.I don't believe the postal service is that inefficient that the mail takes so long that the supervisor blames it on the postal service. Who knows when the bank staff input the payments etc in light of labor shortages due to covid etc.I am complaining based on principle because I believe it is unfair and that management gets the complaint and that the CFPB is aware of abuses like this. I have spent more time on this than it is worth but I believe it is my civic duty to speak out. I am sure others have just paid and moved on which is what I am sure the bank is counting on. Wrong... please look into it. The supervisor there at Comenity is XXXX # XXXX.
Product: Credit reporting

I reported a debt that I have absolutely no idea why it is on my credit report to all XXXX agencies. This debt is not accurate and I do n't know how it got here. It says I owe {$150.00} to XXXX XXXX. It says account was opened in XX/XX/XXXX and they JUST added it to my credit reports in XX/XX/XXXX. This makes no sense! I have an up to date and active cellular account with XXXX XXXX, so how in the world do I all the sudden owe money from 5 years ago?! I never once received a bill or a phone call from these people and since I have an ongoing active account with them, why would they never have mentioned this so called " debt '' to me. This is robbery. It is affecting my scores and I need it removed. I filed disputes with all XXXX agencies and I received an update through Experian so far. Experian, after XXXX hours, sends me an email and when I click on the link it says " updated ''. This should be deleted, not updated!!! I do n't even know what it 's for! I 'm upset and outraged that they are allowing this to happen. For the past few years I have never made a late payment or allowed an account to go delinquent so this is ridiculous. There 's not even a telephone number to contact this " XXXX '' account, so who 's going to help me? Experian did not help me and I need help!
Product: Credit card or prepaid card

Dear CFPB Team I owned a Bank of America Credit Card for almost 4 years and have used it often for my regular purchases. recently on XXXX of XX/XX/2018 I responded to an advert on XXXX from XXXX XXXX about about buy one get one lXXXX XXXX   for {$4.00} and I felt it was a good offer and went ahead to purchase it using direct link from XXXX. on the XXXX XXXX page I placed the order and received receipt for {$4.00} and an email stating that my order is through. but there was no mention of my end pair of leggings. I promptly sent email to XXXX XXXX on XXXX of XX/XX/2018 stating the bill is incorrect coz I placed order during offer. There was no response to that and I wasn't sure what to do. I hadn't received the product until XX/XX/2018 and on XXXX of XXXX I wrote to XXXX XXXX  that the leggings were not my size and I don't k what to do. again there was no response and by now I had numerous charges on my account from XXXX XXXX  and I tried to call them @ XXXX but there was no response and then I reached out to bank and requested them to block the merchant which they couldnt and then I asked them to cancel my card and ship me new one. which they did I had changed my credit card thrice and somehow XXXX XXXX got hold of my new credit card and kept charging me {$49.00} monthly and by now I had 5 transactions of {$4.00} and 3 transaction of {$49.00} totaling my bill to {$170.00} and they shipped me 3 leggings without my  consent. and there was no response to my emails or my calls I explained this whole thing to my banker and they raised complaints but kept closing them on me and also said the time has gone by when they could have acted upon and merchant claims that I enrolled in some VIP program ( Which I did not and their claims are base less and they have numerous complaints on XXXX from folks who had issue with the way XXXX XXXX  in doing business ). am attaching document which has more info about my claims and amounts charged by XXXX XXXX. I got another number of XXXX XXXX  from BOA and contacted them and they assured to refund me {$64.00} and I did not see that coming through. BOA says they can not do anything in this matter coz merchant delivered product, whereas I never authorized those transactions and I changed my credit card too. so this is unauthorized transaction and I should be getting refund of {$140.00} from BOA. Also out of frustration I closed my account altogether coz this is becoming never ending saga for me.
Product: Debt collection

On XX/XX/XXXX, I got a letter from First National Collection Bureau , Inc. saying that a judgement against me was in place by their client XXXX XXXX XXXX. and the original creditor was XXXX XXXX XXXX XXXX 
As of the date of the letter the amount owe is XXXX ... 
________________________________________________________ On XX/XX/XXXX, I sent my dispute to First National Collection Bureau , Inc . 
The verification sent to me on XXXX XXXX didn't prove I owe this debt. a copy of a credit card account with XXXX XXXX XXXX XXXX  that didn't have my information. A copy of a default judgement dated onXX/XX/XXXXwith State of New Mexico County of XXXX XXXX XXXX XXXX District Court .the balance was XXXX court costs {$160.00} and Attorney 's fees of {$200.00}.
Product: Debt collection

I have multiple medical bills charged on my behalf while i was unemployed with full coverage health insurance covered by medical through XXXX XXXX XXXX XXXX.
Product: Bank account or service

Chase did a bear interest on a XXXX check, then close my account, violating the fair reporting transaction act.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Prepaid card

I bought this XXXX $ gift card. There was a purchase from XXXX something that i didnt make
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act USAA SAVINGS BANK and XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry details XXXX XXXX., XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018
Product: Credit reporting or other personal consumer reports

Request for Assistance in Removing Unauthorized Accounts from Credit Report Dear Sir/Madam, I am writing to request assistance regarding unauthorized accounts that have appeared on my credit report without my consent, in violation of consumer protection laws. Specifically, I am invoking the provisions outlined in 15 USC 6802 ( B ) of the Gramm-Leach-Bliley Act, also known as the " Opt-Out '' provision. 

According to this law, financial institutions are required to obtain consent from consumers before sharing their personal financial information with certain third parties. However, I have identified accounts on my credit report for which I did not provide consent for the sharing of my information. 

Furthermore, I believe that the inclusion of these unauthorized accounts on my credit report violates the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and fairness of information reported by credit bureaus. The unauthorized presence of these accounts not only misrepresents my financial history but also has a detrimental impact on my creditworthiness. 

I request the Consumer Financial Protection Bureau 's intervention to ensure that these unauthorized accounts are promptly removed from my credit report. Additionally, I seek your assistance in investigating the circumstances surrounding the reporting of these accounts and taking appropriate action to prevent similar occurrences in the future. 

The unauthorized accounts are as follows : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and take the necessary steps to rectify this situation. 

Sincerely, XXXX XXXX
Product: Mortgage

We have submitted the application through my servicer " Setrus Inc '' in late XXXX and verbally offered loan modification with the same rate in XXXX XXXX ( Note that, we did n't received any formal offer letter by post at all ). As the monthly payment amount was not reduced, we will be continue in a hardship situation. Immediately know the news, we wrote appeal letter dated around XXXX XXXX asking for further review. I did made a few calls to XXXX the status but up to date, we still have n't got any response from Setrus Inc and XXXX XXXX, but not much response from them. 

Around XXXX XXXX, we got a call from XXXX XXXX from XXXX Help Center ( Network In Partnership with XXXX Tel : XXXX ). We had an interview with her and again, we did the application from them as well around XXXX XXXX. 

Recently, our tenants stop paying rent when they receive the court documents and we are currently have to go through the eviction process and also incurring property damages which leave us big repairing bills. Due to loss of income, our payment plan also missed a few months with HOA. Our hardship continues and also more worries. 

We will try all the possible options to prevent the home foreclosed and we are fighting against the time for the in progress on FORECLOSURE CLAIM. Further delay for review the application will put more burden on us as all the legal fees will be added up very quickly and we have difficult to rent our home as when tenants know the home in foreclosure situation. 
We are currently work overseas due to the current job situation and be relocated. This will be our main home when we will back to XXXX to live and we are willing to try all the possible assistance to prevent loss our home. We are prey for the help and prey to give us a trail chance to keep the home. 

Time is quickly running out and we are extremely worried when check the court case progress status at Summary Judgement Stages. However, I was told the case is still the review stage and It has been in this stage for over 10 months now without any further progress and also no letters from them! 

your urgent help on this matter will be greatly appreciated. 

Thanks XXXX XXXX
Product: Credit card

Discover is mistating my current balance. Please see attachment. The math does not add up. Also, please not that the attachment shows the pending activity so it can not be due to the pending activity not showing in the current balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Equifax security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my Equifax credit due to Equifax security breach that took place on XX/XX/XXXX XXXX XXXX Amount XXXX Date opend XX/XX/XXXX XXXX
Product: Debt collection

I received a phone call from XXXX on XXXX/XXXX/2015 between XXXX and XXXX from someone claiming to be with Professional Account Services , Inc. It was a male voice. They said it was concerning XXXX XXXX XXXX XXXX. When I researched the number from XXXX different places the number popped up XXXX times as a telemarketing spam number. The number is registered to a XXXX XXXX in XXXX, Tn. Then on XXXX/XXXX/2015 I received a statement in the mail from Professional Account Services XXXX Inc., concerning the same thing. Guess what the office number on the statement was XXXX. The XXXX XXXX XXXX for XXXX, Tn. How can the same number be registered to XXXX different people.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday my credit report showed a hard inquiry for financing that I did not authorized. Contacting the financing company was impossible via phone call - so I left a message thru the " Contact us '' thru the website.   this is the company that reported a credit inquiry for financing that I did not authorize :  CRACCEPT/CAC   XXXX   XXXX ,   XXXX   Finance Creditor Contact Details CREDIT ACCEPT CORP/CAC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MI  XXXX  (  XXXX  )  XXXX
Product: Credit reporting or other personal consumer reports

On XXXX  there was a letter sent to Transunion asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report listed as charge off and collections. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.