23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I had air duct cleaning services performed by XXXX XXXX. After the service was performed the technician " XXXX '' stated that they only accept XXXX, XXXX XXXX, or XXXX for payment. I opted for XXXX and the technician provided a phone number for payment. I verbally confirmed the number and then visually confirmed the number with the technician before sending payment via XXXX. He acted surprised that he didn't receive the money and asked to see the number again. He then stated that the money was sent to the wrong number ( off by one digit ) and told me I could cancel the incorrect transaction and the asked me to send the full amount again to the correct number ( which he received ). I immediately contacted Ally Bank and asked them to reverse the incorrect payment. They refused and said the payment can't be reversed and offered to open a dispute on my behalf. I opened a dispute providing all of the details. I received no contact or communication after XX/XX/XXXX. Today, my bank sent a written letter refusing to refund the incorrect payment because they said it was authorized. I have repeatedly attempted to contact the incorrect payment number and received no response. I have also contacted the owner of the cleaning company and received no response. Now I am out {$360.00} and will never use XXXX or Ally Bank again.
Product: Debt collection

I had a XXXX  XXXX credit card with a {$2000.00} limit. When XXXX XXXX bought out XXXX  XXXX XXXX XXXX refused payments for 2 months during the merger. I asked if I could go into the local branch and was told that was not an option. i wrote them regards to account and never received a response. I ended up up defaulting on the card due to inability to make a payment arrangement.it was then filed as a judgement against me in the XXXX county circuit court where i contacted riverwalk holdings to try to arrange some sort of arrangement while on a fixed XXXX income. i never received a response while they were working on the info in the meantime i went through a foreclosure with my home where the riverwalk holdings put a second lien along with the foreclosure I was told it was wrote off with the debt on house I was purchasing through XXXX XXXX. River Walk Financial picked up the debt and now I have a Judgement against me through XXXX County Circuit Court. The debt has since been sold to XXXX XXXX. riverwalk holdings does not exist any longer and they are who holds the judgement against me in circuit county there has been no contact with me to attempt to collect a debt for the last 4 years and there is no report of this debt on my credit report so i had no knowledge it existed or was accruing interest all this time XXXX   XXXX  has made no attempt to contact me in the last 4 years and are saying they picked up the debt in XXXX which in XXXX the card was still in good standing so not possible they also now want over 8000.00 to clear the debt through circuit court which circuit court says i do not have a debt with them my home was foreclosed on in XX/XX/XXXX judgement was filed prior to foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have not issued any written consent or instructions for this to be listed on my consumer report as this is not a personal account. This is a business account.
Product: Credit reporting or other personal consumer reports

XXXX credit was open on XX/XX/XXXX amount owe XXXX .I have no knowledge of this account didnt give premission for the use of this card use or open. I would like for this account to be remove off all three of the major credit bureau immediately off XXXX, experian, XXXX XXXX XXXX  was open on XX/XX/XXXX amount owe XXXX have no knowledge of this account didnt give premission for the use or open of this card .I would like for this account to be removed off all three credit bureaus immediately off EXPERIAN, XXXX, XXXX I have two XXXX XXXX credit cards open without my premission one was open XX/XX/XXXX and another XXXX XX/XX/XXXX one balance XXXX and the other one XXXX
Product: Credit card or prepaid card

This is the second complaint because the first one was not resolved. I got a call from a rep apologizing for the delay. Of course they blamed covid. 

Anyway, this bad transaction happened in XXXX. Its now XXXX. It takes 4 months to investigate fraud? Yall owe me interest too if thats the case. I cant go weeks without paying a bill or a bank, but yall can do it? No. It is taking all my power not to go to a location and beat up an employee. Keep the money. I just want to fight at this point. 

What is there to even investigate? I ordered something. It didnt come. The merchant wont answer. Theres no record of delivery or shipping. 

What the XXXX is taking so long to get me my money? I used to be a federal XXXX. This sort of case shouldnt take more than a week to resolve. Either XXXX doesnt care or they too are committing fraud. 

I dont care. Stop pretending to care. Give me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several contact via mail and phone calls to the Credit Bureau Experian, XXXX and XXXX about fraud and wrong information on my Credit report despite sending all credit Bureau consistent letters and documentation that proves My address and Identity they still refuse to remove these Negative Items that is retarding my ability to obtain financing for my business and lively hood i have been sending letters since XX/XX/XXXX which makes 1 year since i have been sending them letters base on my last set sent XX/XX/XXXX, Experian Strategy seems to be just runs you in circle you send them your Address credential they required by law the refuse to make the dispute then when you call they saying you need to send the same legal requirement that you send them.
Product: Debt collection

There is a debt on my credit report that does not belong to me, the credit report had removed it as they can not validate the debt, but to my surprise two weeks ago they added the debt back to my account without given me a written warning nothing to validate that this debt is mine. The credit bureaus continues to violated my right. I need help as I would like to take them to court for failing to validate a debt but then placed it back on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, 3rd party engineering company do not have the right to pull my credit credco, XXXX many more XXXX  still calling me I do not have anything with them please check the mail box police report I sent
Product: Credit reporting or other personal consumer reports

I submitted XXXX previous complaints stating that the payment history on this account ( XXXX XXXX  : XXXX ) was illegally being reported inaccurately. The information came back as verified, however the inaccurate late payments remain on my credit report. I attached the results of the investigation done by experian, who correctly confirmed that the account was in-fact paid on time and never late. XXXX is violating my rights by continuing to report these late payments and credit reporting agencies have been sued in the past for reporting inaccurate information. See below for the court lawsuits : Clark vs Transunion LLC, Civil Action No. 3:15-cv-00391 Tamara S. Frazier v Equifax Information Services LLC , Civil Action No. 1:2020cv06725 Please immediately correct all late payments and update this account to PAID ON TIME/NEVER LATE, or I will be forced to take legal action. Thank you
Product: Credit card

I had a Best Buy Credit card through Citibank. With one of the purchases, I had a subscription to XXXX XXXX. The subscription auto-renewed. I contacted the Credit card company and told them that I did not want the subscription and that it was canceled online. They told me that I had to pay for to pro rata share of the subscription. I informed them that the error was on their end. They originally charged me {$330.00} for the subscription that I did not want or need. After numerous calls to both Best Buy and Citibank, this has gone nowhere. This has been in dispute since XXXX of 2023. Since then, they have reported me delinquent to the Credit agencies and attempted to extort this money from me.
Product: Checking or savings account

Spoke to a condescending supervisor at Bank of America EMPLOYEE ID : XXXX and requested a fee removal of XXXX monthly maintenance. I recently had a discrepancy on which account will be closed. They wouldnt abide by waiving a fee. Im an elderly client and they wouldnt help with this fee removal. Please help me get this fee waived
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX I need the credit bureaus to delete all inaccurate addresses from my report
Product: Debt collection

LVNV Funding LLC ( LVNV ) has never contacted me by mail or by any other manner regarding their debt purchase XXXX  c/o XXXX  and I became aware of their existence after they had filed a lawsuit against me for a debt I do not recognize and past the statue of limitations in the state of Texas. 

LVNV has NOT properly followed legal procedures prior to initiating a lawsuit against an individual nor have they validated the debt ; therefore, the complaint should be dismissed immediately.
Product: Credit reporting or other personal consumer reports

I had multiple unrecognized soft inquiries that I had noticed after running my annual credit check. XXXX XXXX and Experian ran credit checks every month last year multiple times throughout the month, and even multiple times per day. I also have a soft inquiry from XXXX XXXX  on XX/XX/XXXX. I have a soft inquiry from XXXX on XX/XX/XXXX, and XX/XX/XXXX. I also received a letter stating that there was an unauthorized disclosure of my personal information that had occurred between XX/XX/XXXX and XX/XX/XXXX. It was leaked by XXXX which is a cyber security firm that contracts with XXXX, XXXX ( " XXXX '' ) to provide a secure file transfer software called XXXX. XXXX is a professional services company that provides services to hospitals and clinics affiliated with XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ). As a result, I have concerns that my personal information has been leaked and someone may be using my social security number for anything or running strange credit checks causing inquiries since I do not recognize many inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, ETC hard inquires on XX/XX/XXXX & XX/XX/XXXX I did not apply for this neither times fraudulent Factual Data- Hard Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX All of these are fraudulent hard inquiries I did not apply for none of these and I tried reaching out to the company and did not get a response
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Subject : Request for Removal of Unverifiable and Incomplete Account Information Dear Sir/Madam, I am writing to formally request the removal of an account associated with XXXX from my credit report. The account details are provided below : Account Information : Account Number : XXXX High Balance : {$720.00} ( Equifax XXXX Last Verified : Not Reported Date of Last Activity : XX/XX/XXXX ( Equifax XXXX Date Reported : XX/XX/XXXX ( Equifax XXXX Date Opened : XX/XX/XXXX ( Equifax XXXX Balance Owed : {$720.00} ( Equifax XXXX Closed Date : Not Reported Account Rating : Derogatory ( Equifax XXXX Account Description : Credit card ( Equifax XXXX Dispute Status : Account not disputed ( Equifax XXXX Creditor Type : All Banks ( Equifax ) Account Status : Closed ( Equifax ) Payment Status : Collection/Chargeoff ( Equifax ) Creditor Remarks : Charged off account ( Equifax ) Payment Amount : {$0.00} ( Equifax ) Last Payment : XX/XX/XXXX ( Equifax ) Term Length : Not Reported Past Due Amount : {$720.00} ( Equifax ) Account Type : Credit Card ( Equifax ) Payment Frequency : Not Reported Credit Limit : {$0.00} ( Equifax ) This account has been previously investigated, and it has been determined that the information provided is unverifiable and incomplete. Despite this, the account remains on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ).

The discrepancies and inconsistencies, as outlined above, demonstrate that the account information is not accurate, complete, or verifiable. Specifically : The account is only reported by Equifax and not by XXXX or XXXX. 
The balance owed and the past due amount are the same, indicating potential duplication of information. 
The dates of last activity, report, and opening do not provide a complete timeline. 
Given these significant inaccuracies and the unverifiable nature of the account information, I demand the immediate removal of this account from my credit report by EQUIFAX Please confirm in writing that this account has been removed from my credit report within 30 days of receipt of this letter. Failure to do so will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal action to enforce my rights under the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Money transfer, virtual currency, or money service

Why is keybank using the same tactics to not answer my original questions. That's number 1, number 2 ... .and more importantly why is XXXX XXXX.. using the police tactic when In his Original candid remark he said he doesn't look into police reports ... number 3, my wife is not mentioned in the police report so why is she being banned too she has nothing to do with this number 4 ... XXXX XXXX I know it's hard to fathom the Mea culpa here, why is my wife being banned and she is not even mentioned in XXXX XXXX police report XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in a non-fault-accident which caused my car to be totaled. My insurance company paid XXXX XXXX XXXX which left me with a XXXX. On my contact I purchased XXXX ( debt cancellation agreement ) meaning they would take care of the remaining balance. XXXX continue to send me monthly statement via XXXX and I was making those payments. A charge off occurs XXXX days off non-payment. I have the payment history. This account should be reported as paid in full as agreed but its reporting as a paid charge off which is false. I disputed with Experian, XXXX, and XXXX, and XXXX XXXX XXXX many times and the account is still reporting as a charge off. The account have no past due amount and no late payment and still reporting as a charge off. 

Violation 1 : Under 15 U.S Code 1666 ( b ) ( 4 ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

Violation 2 : Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments there should be no late payments on this account/charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  All the above mentioned accounts have violated my rights. 

15 U.S.C 1681 602 ( a ) ( 4 ) states - I have the right to privacy.

15 U.S.C 1681b 604 ( a ) ( 2 ) states - A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c 605 ( a ) ( 5 ) states- A 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 ) states - 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: Vehicle loan or lease

Per complaint XXXX first agreed once again to remove negative information off credit report. And again they have failed to do what they have promised. This should be investigated. They have impacted my life negatively for too long and cost me WAY to much money due to their incompetence! 

This way their last promise which again they failed to follow through. 

We received the complaint filed with the CFPB by XXXX XXXX. In the complaint Ms. XXXX indicates that she made an agreement with SchoolsFirst FCUs attorney to remove the charge off from her credit report once her insurance company paid her vehicle loan in full. SchoolsFirst is now refusing to remove the charge of from her credit. Upon review of Ms. XXXX account we can confirm that Ms. XXXX contacted us on XX/XX/2016 to let us know that her vehicle was totaled and in the possession of XXXX XXXX. Our records indicate that Ms. XXXX vehicle loan charged off on XX/XX/2016 for being 180 days past due in payments. On XX/XX/2016, we received the full pay off from XXXX XXXX but did not report it as paid in full closed account per the agreement reached between Ms. XXXX and our attorney. Instead, we incorrectly reported it as Paid Charge off on her and her cosigners credit. We apologize for our error. We will update her credit report as agreed by our attorney paid in full closed account and apologize for any inconvenience we may have caused by our error in reporting. Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was charged XXXX times by the same check with return check fees to my navy federal account. in violation of the federal trade commision act, I should not have been charged XXXX single time for any low balance returned check fee because i even had overdraft protection on. It has been taken to my credit collections and effected my credit score illegaly
Product: Debt or credit management

XXXX is using Credence Resource Management to spam call my phone for a bill that I have since paid. They have been trying to charge my account but I have put a block to them. They deleted the XXXX mobile app so users have a hard time cancelling their service. I cancelled my service back in XX/XX/year> and each month they have been adding charges saying that I have been using their mobile services even though I have transferred my phone number elsewhere. It took SEVERAL calls and online chats to be able to cancel the service. But each time, they never did and gave me false account numbers saying my service was cancelled when in fact it wasn't until I finally got the correct account. XXXX is now using this company to harass me through my cell phone through daily calls. I have had to block multiple numbers. I know this a TCPA/FDCPA violation with the constant harassment for a bill that has already been paid.
Product: Debt collection

Collection company Asset Recovery Solutions LLC had called to my work place two months ago. I received the call and I notified them that I am not allowed to get personal calls at work. I told them to stop calling me at work because they are jeopardizing my job, I can lose my job. I asked them to send me the information via regular mail, which they never did. Yesterday, XX/XX/19, an ARS representative by the name of " Mrs. XXXX '', XXXX XXXX XXXX XXXX XXXX, called my work and a co-worker answered the phone call ; I was not at the office at the time. When I was in, my co-worker told me that first my phone was ringing and ringing multiple times. Then, the call from ARS came through again, through another line, and that's when my co-worker answered it. My co-worker states that " Mrs. XXXX '' was insisting as to where was I, and to try to obtain information of me. She did not disclosed any information and took down her name and phone. Today, XX/XX/19, " Mrs. XXXX '' from Asset Recovery Solutions LLC called my work place again. I am being harassed at work by this collection agency. I called Mrs. XXXX back and told her that I will report them for violating the Fair Debt Collection Practice Act. I told her previously not to call my work place and she is still doing it. I might lose my job because of this.
Product: Credit card

I received an email notification from Citibank ( credit card ) that my XXXX payment in the amount of {$500.00} was returned due to the payment account being closed. I made my XXXX payment on XXXX XXXX ( due date was XXXX ) via the Citibank website. The website listed XXXX payment accounts ; however only XXXX was available to choose because the other account was listed as " cancelled. '' In fact, during the process of making the payment, the cancelled account was not listed in the drop down menu for choosing a payment account. The other payment account was listed as active and this account was the only XXXX listed in the drop down menu. Meaning the website only allows users to choose the active payment account. The cancelled payment account was an old XXXX Bank account used in the past. The active payment account was my current XXXX account, which I have been using to pay my monthly Citibank payment for the last few months. This can be seen in my payment history. When I made my XXXX payment via the Citibank website, I made it with my current XXXX payment account. Again, it was the only option to use on the website. For some unknown reason, Citibank utilized my closed/cancelled XXXX account to draw my XXXX payment. This was not my mistake as Citibank is claiming. I did not have the option to use this old payment account, not even by mistake. 

Citibank got notification of the payment return on XXXX. They charged a late fee on XXXX. However, they took 5 days to notify me of the returned payment, which in essence forced the late payment. As soon as I received the email, I called customer service to attempt to remedy the situation and correct the payment. The agent told me that it was quite possibly a computer glitch which caused Citibank to draw from the incorrect account. However, I now see that I am being charged a late payment fee and I am being told that Citibank will report a late payment to the credit agencies. 

I did not make a mistake by clicking on the old XXXX account because it was not even an option for me to do so ; therefore, I do not believe I should be charged a late fee and I do not believe this matter should negatively effect my credit report. There is an obvious problem with Citibank 's website payment process that allows old/closed accounts to be utilized for payment.