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

The Experian credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( 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 )
Product: Debt collection

I was a secondary cardholder on an account until XXXX, when the primary cardholder removed me from the account. The primary cardholder later was unable to pay their bill and now I have had repeated calls from American Express or parties that represent American Express to collect this debt. They always ask for the primary cardholder and I tell them that I have not had contact with the primary cardholder since XXXX. I tell them to stop calling me, they say they will stop calling... then they call again. The calls had stopped for 6 months after I made my last complaint to the CFPB ( complaint XXXX ) until they started again, and they're always from a spoofed local number on the caller ID. Recent Call list : XXXX XXXX  XX/XX/XXXX XXXX AM XX/XX/XXXX
Product: Credit card or prepaid card

Fraudulent transactions totaling {$1400.00} Cleared in my card XX/XX/XXXX. Reported the fraud to BOA same day. BOA added temporary credit XX/XX/XXXX. XX/XX/XXXX mailed letter saying investigation complete. Credit permanent. Claim closed. XX/XX/XXXX letter mailed saying claim is closed, credit to be debited from account. XX/XX/XXXX BOA withdraws {$1400.00} from my card. In daily phone calls with claims and customer service BOA lies and tells customers EDD took the money. XX/XX/XXXX BOA admits it was a bank error. Promises to amend error and Reopens claim. XX/XX/XXXX, still no resolution, no information and BOA has failed to return funds or provide requested documentation on investigation or claim, in violation of federally regulated zero liability consumer rights under Protected under section E of account agreement. 
Need help
Product: Credit reporting or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 45 days later, I still have not heard anything back. My complaint is being disregarded and that I am being victimized of. It is precisely stated in section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I will pursue you for the anguish you put upon my life. The XXXX data breach exposed my information as well as, and it is feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

1- XXXX XXXX XXXX ( Auto Loan ) 2- XXXX  XXXX ( Credit Card )
Product: Checking or savings account

Hi there, This morning, I got a notification that my saving account at PNC bank has an overdraft. I then logged on my online banking and found out {$36.00} Returned Item Fee was charged due to an autopay of {$0.00} to my XXXX credit card on XX/XX/XXXX. I immediately contacted PNC and raised this issue. They refused to refund the fee. There is no notification of the {$0.00} overdraft until the {$36.00} Returned Item Fee was charged. It is very unfair to a client like me. Other banks I have accounts with, like XXXX bank, even if the account has an overdraft, they will notify me immediately, so I can transfer money in and correct it ASAP. Moreover, they can simply deny the transaction if my account has insufficient fund. It is a rip-off of charging {$36.00} fees for an overdraft of {$0.00}. Please help me get the refund for the {$36.00} Returned Item Fee. Thanks in advance for your help.
Product: Credit reporting or other personal consumer reports

I had a vehicle repossessed by XXXX XXXX in the amount of {$5800.00} as well as a personal loan for {$4300.00} and both loans along with my personal information were sold to the creditor XXXX XXXX. That was then sold to another creditor. My personal information was leaked to the dark web and I believe I have been a victim of identity theft. My personal information keeps getting passed around to different companies. Per Section 605B of the FCRA Id like these items and a few others removed. Please see attached documents.
Product: Credit card

On XXXX XX/XX/year>, the statement for my credit card ( American Express ) ( XXXX ) was issued. My debt was XXXX XXXX XXXX. I tried to pay it via the American Express mobile application portal using my debit card for XXXX XXXX. It showed me in the notification ( XXXX XXXX XXXX XXXX XXXX ) which means that ( Thank you for your online payment ). 
I checked my XXXX application and I was surprised that the Money was not deducted from my account. I waited for few minutes and checked again, and the money was never taken. I concluded there might be sort of technical glitch. I decided to do a transfer from XXXXXXXX XXXX  to my American Express Credit Card to cover the amount of debt. I transferred on the same day XXXX XX/XX/year> the amount of XXXX XXXXXXXX XXXX 
On XXXX XX/XX/year>, I was surprised to find out that American Express charged me XXXX XXXX XXXX XXXX XXXX of taxes ( total around XXXX USD ) as a fee for returned payment from my debit card. I talked to the customer service of American Express over the phone and they refused to waive these fees although it's proven that I made the bank transfer after I realized that the debit card payment did not go through
Product: Mortgage

sent paperwork since XXXX called XXXX XXXXXXXX all papework is in and XXXX XXXX relief
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts from XXXX showing on my Experian credit report. I had a loan with XXXX XXXX which they sold to XXXX. These are personal student loans not federal which is why they are not consolidated with my other student loans. I had filed chapter XXXX bankruptcy in XX/XX/XXXX and XXXX in XX/XX/XXXX. These loans were included in the bankruptcy but still show on my credit report. The XXXX XXXX loans are gone but the XXXX loan still show and it's hurting me getting a mortgage.
Product: Debt collection

I contact XXXX XXXX for Home internet and the lady almost forcefully add 8 new sims in package- i clearly told her that 8 owners are involved so i have to ask all of them and if all agreed we will put sims in our phones - others wise we will not - i dont know when they activated the sim and start charging bills- The Sims still were unused - after one month they stoped home internet- when i contact then they told me that u have to pay {$800.00} - i was shocked- {$800.00} bill for Home internet? How? It should be around {$50.00} per month. More they told me that you used 8 lines. 
Seriously? 
I told them that you can see we didt even try to install any sim in our phones so how they can charge us. Even they didt informed me that they are going to activate all sims- And i returned the internet device - now they sent {$530.00} for collection on XX/XX/2023. 
To AMSHER Collection XXXX I will request to help me in this regard Thanks
Product: Vehicle loan or lease

I applied online for an auto loan on Monday XX/XX/XXXX. I was applying to purchase a new XXXX. Nowhere in the application process did it say anything about not being able to finance a XXXX. XXXX allows third party financing so I thought I would go through my bank to finance the new car. After being approved for a {$68000.00} purchase I reached out to let them know that this was a XXXX and the delivery date may be later than the 30 days. After US Bank pulled my credit report and approved me for the loan they came to me 2 days later and told me that this loan was not eligible to purchase a XXXX. Again, nothing in the loan application stated that this was not possible. I spoke with a number of people at US Bank who all had conflicting answers. Now in order to finance the car I have to reapply through XXXX financing and they will have to pull my credit again. This definitely has a negative impact on my credit score and I really do not think this is right or justifiable. If I had seen any information in there explains that XXXX cars were not eligible I would have taken a different action.
Product: Vehicle loan or lease

I purchased this vehicle through XXXX XXXX and was presented with 26.3 % interest rate loan through Exeter finance. Which I believe is usury. I was also told by the dealership that if I make car payments for 6 months, that I can refinance. After making on time payments for 6 months, I reached out to Exetor finance co and they said that they dont do refinancing.
Product: Debt collection

Optimum Outcomes - XXXX XXXX XXXX # XXXX, XXXX, NC XXXX I recently contacted the above company by mail concerning verification of debted accounts. I requested original documents that they have with my signature connecting me with those accounts which I have the right according to the FDCPA. They have not provided me with the said request thus far. By reporting this to the credit bureaus they have damaged my reputation and credit worthiness, and may be in violation of other federal laws.
Product: Money transfer, virtual currency, or money service

I have deposited the fund amount of US {$54000.00} to Coinbase Inc via XXXX XXXX XXXX on XX/XX/2018. Then I tried to withdraw my fund right away when I noticed that I couldnt buy/sell digital currency because I dont have SSN ( Im legal alien, not US citizen ) however they dont allow me to withdraw my fund because I dont have SSN. I tried to find out whats going on but their customer support didnt listen to me at all. 
Then I told them that I want to close my account But they said they cant close my account because I have money in my account. 

So many times, Ive asked them to let me know how to get my money back for last 5 months ( I can give you my email history and claim records ).

2 weeks ago, one of them replied me like I need to change my country in my account information, so I sent them my passport but they said they cant change my country because I got money in my account ( thats my fund that I want to withdraw ). 

It looks like they dont have willing to solve my case. Thank you so much for reading.
Product: Credit reporting or other personal consumer reports

I am rejecting this response because : XXXXXXXX XXXX repossessed my vehicle at no fault of my own, the sales person at XXXX XXXX insured me that I was going to be able to make the XXXX payment per month due to. I get paid once a month. The payment will be due by the first of each month. It's not my fault that this was not received by other departments within XXXX XXXX. In order for me to get my vehicle back Which was repossessed XX/XX/XXXX l had to make a payment of {$930.00} which then was changed to {$700.00} after I made the initial payment of {$930.00}. I still don't know the breakdown of why the payment was higher than what I was paying. Also I had never been late on any payment. Just this week on XX/XX/XXXX XXXX sent by email a document for me to sign which stated that I would be making payment he once a month payments which was {$660.00} and now will be {$720.00} which I don't know why the payments have gone up {$56.00} dollars. I also got a alert from my credit monitoring XXXX XXXX that XXXX XXXX XXXX ^ account has become in Repossession Between XX/XX/XXXX and XX/XX/XXXX, your XXXX XXXX XXXX  automotive account went into repossession. Missing payments and having your property repossessed can hurt your Payment History and cause your score to drop. 
Balance Increased XXXX XXXX XXXX account balance increased Between XX/XX/XXXX and XX/XX/XXXX, your XXXX XXXX XXXX  automotive account balance increased by {$490.00} from {$31000.00} to {$31000.00}. 
It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. That being said my score has drop from a XXXX down to a XXXX. I didn't cause my repossession, I made my monthly payments on time, I never should have had any late fees, I had to come out of my pocket {$50.00} to pay the third part company for the tow fee. I'm a XXXX veteran, I have served my country for XXXX years faithfully against all XXXX and XXXX XXXX I did not expect to retire and have to fight for my rights when I have done nothing wrong. This a travesty on XXXX XXXX part and they need to make it right.
Product: Checking or savings account

I did a mobile deposit of a check for XXXX on XX/XX/XXXX. I received and email that the first XXXX would be available on XX/XX/XXXX and the remaining would be available on the XX/XX/XXXX. I had to call on the XXXX to find out when the money was going to be deposited and was informed not until the XXXX. I explained I knew the regulations and the first XXXX needed to be available the next business day and it was not in my account and they said no it would be the XXXX. I called yesterday because the email stated that the rest of my deposit would be available on the XXXX and it was not in my account after having sending them the email they sent me they told me well this is an automated email and it didn't take the holiday in account. I explained that is not my fault you stated the money would be available and now it is not and I need access to these funds. The lady said there was nothing she could do that the funds would not me available until the XXXX. I told this isn't the first time I have had this problem with my funds not being available as they told me and they never credit my account for any deposit until after XXXXXXXX XXXX the day it is supposed to be available.
Product: Credit reporting or other personal consumer reports

Transunion is reporting an account twice, with XXXX XXXX XXXX XXXX Which is now XXXX XXXXXXXX XXXX XXXX information is correct but XXXX is not because this account was closed out and transferred to XXXX XXXX XXXX XXXXXXXX and XXXX are reporting correctly.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was not something they could do. The best solution they offered was to ensure in the future that the I was sending money to the correct user.
Product: Debt collection

Ever since my aunt tragically passed away, this company + number began calling me ( sometimes multiple times per day ). Amazingly fraudulent and annoying. I ( with a perfect - and frozen - credit report, which I very closely monitor ) owe no debts anywhere, but these calls keep coming ; presumably attempting to somehow extract money from me using my aunt as a connection ... it's a shame that other folks who are less sophisticated / fearful might actually fall for this. Shocking that there is no way to block ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Barclays card customer support approximately XX/XX/XXXX inquiring about the account coming off the credit Reporting agencies. I was told by a young lady that it was set to be removed off XX/XX/XXXX, 5 years after the account closed. It is now XX/XX/XXXX I called to inquire what the hold up was, as credit cards from the same year are set to drop this year with it. After being transferred several times they explained it is up to the credit agency to remove such account not them and that there is nothing they can do at this point. They clearly dont know what is going on nor what they are doing because they havent reported anything since XXXX. They change there answers too frequently. I would like what was told to me to be upheld. Calls are recorded and I urge the company to go through all of my recorded phone calls over the last two years so that this can be corrected immediately. Secondly I tried to re open my account or a new one and the company wont even consider me based on my credit report but instead an internal file on me. That is no longer accurate.
Product: Checking or savings account

I deposited check in checking account Bank XXXX  ATM on XX/XX/21. Bank did not credit the amount correctly. I complained. Bank posted correct amount the next day, XX/XX/21, but placed a ten day hold on the check. The payor confirmed check cleared the day before. XX/XX/21. The Bank put a ten day hold on the check. I have transaction number and copy of processed check. Bank refuses to release funds today- said wait til XX/XX/21 when Fed Reserve confirms the check was honored.
Product: Credit reporting

Below is information this is INCORRECT on my credit report. When I first moved back to FL XX/XX/XXXX I had signed up for XXXX XXXX for my TV, Phone and Internet. After having their HORRIFIC services for ONE week I called and cancelled, and asked that they come and REMOVE ALL THEIR EQUIPMENT, which they DID DO!!! However, they have harassed me for 4 YEARS about this so-called balance WHICH I DO NOT HAVE w/ them. I 've called, written & emailed them, as well as the Collection agency, but to NO AVAIL. I OWE XXXX {$0.00}, NEVER HAVE AND STILL DO NOT!!! The details of this ERRONEOUS REPORT are below. Please advise. 
Thank you. 
Last Reported XX/XX/XXXXCollection Agency XXXX Creditor XXXX XXXXStatus OpenOpened Date XXXX XXXX, XXXX Date -- Responsibility IndividualBalance $ XXXX Balance $ XXXX Placed for collectionCreditor Contact DetailsXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Mortgage

I have a mortgage loan with Seterus , Inc . In approx XXXX of 2015, my workload ( XXXX ) was decreased by more than half. This decrease took my paychecks from approx {$1300.00} down to approx {$400.00}. I fell behind on my mortgage payments. I called Seterus and explained the situation and was told that they would work with me to keep from foreclosure. I received a delinquency notice dated XXXX XXXX, 2015, which listed the months for which I owed and the status. The letter showed that the XXXX 2015 payment had been made on XXXX XXXX, 2015. This made me delinquent by XXXX months XXXX XXXX, XXXX, XXXX and XXXX XXXX. I secured a full-time job and, on XXXX XXXX, 2015, made the payment for XXXX. This made me delinquent by XXXX months XXXX XXXX, XXXX, XXXX and XXXX XXXX. My plan was to make a payment XXXX a month until the loan was brought current. On XXXX XXXX, 2015, I made the payment for XXXX. This WOULD HAVE made me delinquent XXXX months XXXX XXXX, XXXX and XXXX XXXX. That payment was returned to my bank because of " the status of my loan. '' When I called to discuss the matter with Seterus, I was told that they did not accept partial payments. I was told that the only payment that would be accepted on a delinquent loan would be the full amount owed. The payment made on XXXX XXXX for XXXX would have been considered a partial payment and they accepted that payment ... .why not the XXXX XXXX payment?? Today, I received foreclosure papers.
Product: Debt collection

I, XXXX XXXX, a natural person, just received a notification theres a new account reporting on Consumer Credit Reports today dated on XX/XX/22. 

However, Dear Convergent Outsourcing, how did you get my private information which is my social security number? How did you get it without my consent? And why are you reporting on my credit report without my permission?
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$1200.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}