23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Tried to register the card on their horrible website, and other than the useless waste of time XXXX, nothing else works there. I entered the correct info three different times on two different browsers and I got an error. I tried calling their worthless customer service line and all it does it put you in a loop asking you to enter the card info. I did that 3 times and there is no way to get to a human. Without peer, this company provides the WORST customer service on the planet. THREE XXXX  PICTURES I HAVE TO WASTE MY TIME IDENTIFYING!!!!
Product: Money transfer, virtual currency, or money service

my account at geminiXXXX  was hacked and i lost all of my XXXX was stolen https : XXXX
Product: Debt collection

I'm unaware of this debit, they didn't give me an opportunity to dispute the information. if in fact you believe you gave me proper notification then please send me a copy of the certified receipt with my signature on it. A collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 15 USC 1692G ( A ) debit collectors are required to provide me with a written notice containing specific information about the debit within 5 days of their initial communcation
Product: Credit reporting or other personal consumer reports

I have contacted all three major credit reporting agencies and informed them of their criminal activity. All operators are unfortunately highly under traded on the subject. XXXX, Experian and XXXX are breaking law 18 USC 1028. I never authorized any negative reports to be recorded on my report. A SSA-89 must be signed by me to give authorization and I am fully aware that never happened. This is only one of many laws these corrupt organizations are breaking.
Product: Mortgage

My mortgage is serviced by Bank of America. I have a reoccurring payment set up and have for a number of years. This year I got a letter saying my payment was late and they were going to charge me a fee. 

I never canceled this autopayment. 

So after calling them and nobody could tell me why this happened, they credited me the fee, and I made a manual payment and they said the auto payments will resume. 

I checked for my XXXX payment, and the auto paymets show " Canceled '' I called them, and nobody knows why. They keep canceling my auto pay. 


I believe they are committing fraud by coming up with scenarios to charge fees, hoping we don't find out, like XXXX XXXX has done.
Product: Payday loan, title loan, or personal loan

I have never been late on my loan. PNC keep calling me telling me I missed a payment in XXXX of last year. I sent them all the documents proving that the payment was paid. This has been going on since XXXX. I have talked to 10 people they have everything they asked for and nothing has been done.I get called every week saying I'm late on my loan. They have reported me to the credit bureaus my credit score dropped XXXX points.
Product: Credit reporting or other personal consumer reports

I made an agreement with Capital One where if I paid XXXX the account will be labeled as paid in full. After receiving my check for XXXX they did not update the account asXXXX paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XX/XX/XXXXOriginal Amount : {$220.00} Original Creditor : XXXX XXXX XXXX XXXX ( Medical/Health Care ) Past Due : > $ XXXX< Pay Status : >In Collection<
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had a issue with Equifax not allowing creditors to view my credit reports which has caused problems with me obtaining offers with credit, housing, and more. This issue has been going on for over a year with little resolution. They asked me to mail in a copy of my Driver 's License and SSN to make sure it was me and advised me that the issue would be resolved. I've did this and the issue is still happening and they are requesting that this information be sent again. This is very frustrating because I'm mailing my personal information in the mail where it could easily be stolen. I just spoke to XXXX employee id XXXX he wouldn't provide the state he was located for tracking purposes. Earlier this year to update my address on my credit report and stop this issue they requested the same information. This is the only credit bureau I'm experiencing this with. XXXX and XXXX reports and credit access has not been a problem.
Product: Credit card

To whom this may concern, Upgrade credit card has moved my credit limit every 2 months down to what I owe them. I have paid my bills on time every month. This has affected my credit rating with me paying higher interest rates. I had a {$16000.00} credit limit and they have moved it to {$7000.00} to what I owe them. Please help with situation. I think this bank is causing a lot of people problems doing what they are doing by keeping people at exactly what that owe to bank. This as I stated would basically ruin your credit rating!
Product: Credit card or prepaid card

I am getting really sick and tired of Wells Fargo. I had a dispute open for 6 months and they finally decided that I was resposbile for fraduelent charges ... I decided to go ahead and throw away my money and give them the min amount. I really wouldnt like to pay this bogus account, but in order to protect my credit, im going to throw away my money. almost 1,000 dollars worth of my hard earned money. BUT NOW, I cant even log into the account .... this is really annoying. And wells fargo keeps calling me to make payments!!!!! I told them i made a payment .... 

I am getting sick and tired of wells fargo stealing my money, but because my credit is more important, Im going to go ahead and give my money away to wells fargo ....
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXXDEPT OF ED Account Number : XXXX XXXXDEPT OF ED Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX these accounts have violated my rights. 15 U.S.C. 1681 section 602 A states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 ; it also states that the consumer reporting agency can not furnish an account without my written instruction. 

I would like this agency to provide me with proof of my written consent for these accounts to be furnished. I would like to be provided with my original contract and signature, and proof within that documentation that states Im consenting for this to be furnished.

If proof can not be provided within 30 days of my request ; I demand these accounts to be deleted immediately from my credit reporting.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 1 late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  XXXX ) : ( Account Number : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

Im unaware of this debt, I didn't have a chance to dispute this debt. If you believe you gave proper notification please send me a certified mail receipt with my signature stating I received notice.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a complaint to CFPB requesting that the reporting companies investigate the reporting the account listed below. I requested creditor provide a copy of the 1099-C since they added a Charge Off to my credit report. The original submittal is down below. The request was also sent certified mail to the creditor 's address listed on my credit report and I have yet to receive the 1099-C. I do believe it is my right to have the 1099-C provided to me legally. If the debt has been charged off and I am due a 1099-C that has to be reported as income now and reporting agencies do not report income how is is the charge off still appearing on my credit report? 

I want the charge off removed from my credit report or I will be suing for damages under the laws within the FCRA. 

ORIGINAL REQUEST with creditor 's name, address and the account number XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX - Account # XXXX Balance {$350.00} - what is this debt? who is it from? how did it get on my report and it wasn't verified? There is nothing on this to indicate that the debt is mine. Please DELETE it from my credit.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I firmly believe that this limitation has been imposed in error, as I have always strived to adhere to PayPal 's policies and guidelines. 

I want to emphasize that I have not knowingly or intentionally violated any PayPal policies. Using PayPal for various transactions, I have consistently ensured compliance with your terms and conditions. This limitation has caused significant inconvenience, both personally and professionally, as PayPal plays an integral role in my financial activities. 

I kindly request that you re-investigate my case thoroughly and consider lifting the permanent limitation on my account. It is my sincere hope that, upon review, you will find no valid reason to continue the limitation, and my access to PayPal services can be restored. 

I greatly appreciate your prompt attention to this matter and your commitment to ensuring fair and just resolutions. I kindly request that you keep me updated on the progress of this review. Please do not hesitate to contact me at XXXX if you require any additional information or clarification from my end. 

Thank you for your time and understanding. I look forward to a positive resolution and the restoration of my PayPal account.
Product: Credit card or prepaid card

In XX/XX/XXXX I reported fraudulent charges on my BJ 's Mastercard account. I was told I could only go back 30 days even though it happened beyond that time. I was ok with that as long as I could recover some money back. I got a letter dated XX/XX/XXXX stating that the charges were going to be credited to my account in the amount of {$230.00}. 
I waited until my next month statement to check. Nothing there and I thought possibly that it was just a timing thing. I waited until XXXX, nothing again. I have called Bj 's at least 4 times since requesting an answer as to where my refund is. 

I have the letter, but no one else seems to see it. Can you please help?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of XXXX, I sent a dispute letter to TransUnion. On XX/XX/XXXX of XXXX they made an illegitimate claim that I did not provide enough information and I have proof of their false claim. It has been well over 30 days since TransUnion received my dispute letter and I want the to remove the items that disputed. Under the FCRA, they are obligated to do so.
Product: Checking or savings account

I'am requesting that the information I uploaded attached here be evidence that I did not open those accounts up. XXXX XXXX has cleared it off my report as well as XXXX. I have submitted letters etc and nothing has been done to fix the problem. I also sent my grandfathers information so I could open up an account. I also sent in letters as well as the FTC report. I'am also opening up a XXXX report as well.
Product: Debt collection

This all starts out with Santander Consumer USA and their Class Action Settlement for Predatory Lending with Multiple States earlier this year, XXXX. Within this settlement, it states that Santander agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX the debt was sold to XXXX XXXX XXXX. In any normal situation, this wouldn't be a problem. But because of the terms of the Predatory Lending Settlement, this debt should have never been sold or transferred to any collection agency, or debt buyer. This is in direct violation of the terms of the settlement which is to " help repair the credit of individuals affected by their predatory lending practices. '' Now, I contacted XXXX XXXX XXXX by mail to dispute the collection and included a copy of the CFPB complaint against Santander, as well as, a copy of the Multi State Class Action Settlement against Santander and explained why they should cease all collection efforts and delete my file because this collection violates the terms of the Settlement. The letter was mailed XX/XX/XXXX. 

I also spoke with someone from XXXX XXXX XXXX over the phone a few days after the letter was mailed and informed them of the letter as well. Santander themselves also instructed XXXX XXXX XXXX to cease all collection efforts after they received my complaint from CFPB. 

I received a notification on XX/XX/XXXX that XXXX XXXX XXXX has reported a collection of {$12000.00} to the credit agencies!! 

Now, for me to dispute this collection and Santander instructing them to cease all collection efforts and activities, then to still within a couple of weeks report this account to the credit agencies is a total violation of everything I mentioned in this complaint. To ignore my dispute and Santander 's request is outright wrong!! Not to mention, this account should have never been sold to XXXX XXXX XXXX in the first place!!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Victim was not availed the opportunity to submit an online dispute via the Companies listed Dispute resolution center. There is not now, nor has ever been an effective dispute resolution process at XXXX. In order ton file a dispute, a victim must pay a {$26.00} fee to be eligible to file a dispute. 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] I, ( hereinafter referred to as Victim ( See 142 ( b ) ( 7 ) XXXX XXXX XXXX ) Do hereby attest that I am a XXXX XXXX XXXX for purposes of section 605C of the Fair Credit Reporting Act.Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), and shall be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency or person that is subject to enforcement by the Federal Trade Commission pursuant to this subsection, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act. The Federal Trade Com- mission shall have such procedural, investigative, and enforcement powers, including the power to issue procedural rules in enforcing compliance with the requirements imposed under this title and to require the filing of reports, the production of documents, and the appearance of witnesses, as though the applicable terms and conditions of the Federal Trade Commission Act were part of this title. Any person violating any of the provisions of this title shall be subject to the penalties and entitled to the privileges and immunities provided in the Federal Trade Commission Act as though the applicable terms and provisions of such Act are part of this title. State governmental entity. The Bureau proposed treating documentation of a determination that a consumer is a XXXX XXXX XXXX by a State governmental entity as including documentation created at either the State or local level. The Bureau noted that local law enforcement, as part of a local government, may have documentation of a determination identifying XXXX XXXX XXXX, including, but not limited to, items in a police report.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts do not recognize are continued here. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Our daughter went to an XXXX facility in XXXX, GA for medical care on XX/XX/XXXX and XXXX, 2024. They did not send her a bill. In less than a month, XXXX charged her credit card that she previously used without her knowledge or authorization this time. As the responsible party, I let Citi know of the issue and disputed the charges for being unauthorized. Although it is not Citi 's concern, the XXXX for XXXX 's medical care matched the amounts due ( {$120.00} and {$120.00} ) and I paid that bill with XXXX XXXX check # XXXX for {$240.00} and uploaded a copy of the check from XXXX XXXX online as proof of payment. Again, Citi was not even in the position to ask for proof of payment as the charges were unauthorized. XXXX put no effort into properly resolving the issue of payment. 

Citi allowed the dispute for {$120.00} but denied the dispute for {$120.00}. I can not get my head around their logic. I attempted to resolve with their online chat and was simply bounced from person to person until I gave up. No one there provided any help.
Product: Credit card or prepaid card

I have a Capital One Platinum MasterCard with a minimum payment of XXXX dollars. I recently have gone through financial hardship and have been late on making a few payments. Over the following months my minimum payment had increased to a maximum of {$190.00} with the addition of {$76.00} in past dude fees and {$30.00} interest fees.
Product: Checking or savings account

On XXXX my PayPal account was permanently limited as soon as I bought {$9.00} worth of XXXX. I have had this account for about three years now and this is the first time I have experienced this issue. This is my personal account, my name, SSN, address, and all my personal information is on this account. I use this account to send money and receive money and to pay for products online that is for personal or for family. I am not able to withdraw any money out of my account after 180 days which is beyond ridiculous. I saw other fellow people who have dealt with this issue and clarified PayPal does not even allow you to withdraw after the 180 days. This is ridiculous, PayPal should not be allowed to hold my money. I have done nothing fraudulent nor anything to not follow PayPal terms. I do not even want to do business with PayPal anymore after this. I would like my money from my account and stay away from PayPal.
Product: Debt collection

PORTFOLIO RECOV ASSOC is trying to collect a debt for XXXX XXXX XXXX XXXX that was written off and a 1099c issued by XXXX XXXX. Portfolio recovery is reporting the debt incorrectly to XXXX XXXX and XXXX credit reporting agencys.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I closed the account with Ally Financial. It was suppose to be a settlement because I did know it affected your credit but I called them and Paid The Full Balanace. No settlement was done. XXXX  still has my account with Ally Financial as Close in Settlement and remarks " account paid in full for less the origina Balance ''. I tried disputing multiple time with Ally Financial and XXXX  but nothing has change. I have a Letter from Ally that proves The accoun was paid in full without going to settlement, I tried sending that letter on my dispute to Experian but that did not help. Just today i received the results from my last dispute ( 4th total ) and nothing changed. Account still says dellinquent, settlement.
Product: Debt collection

This bill was previously deleted for being an incorrect collection early 2024. I do not owe this debt and have never signed a contract with this company or collection agency for that matter. I have never signed up with XXXX  at all ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of the year XXXX I called the credit bureau to get negative items and inquires off my credit report the credit bureau refused to remove the inquires I saw on my report and items ( inquires ) were removed and placed back on my report they didnt notify me in writing within 5 days and they violate under The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order All other inquiries that are not related to none of the aforementioned permissible purposes must be removed! I did not authorize none of the inquires on my report for XXXX & XXXX. I ask that all inquires be removed off my report
Product: Debt collection

When they originally called they actually called my in-laws who would not give them my number, when I called them back she did not tell me it was an attempt to collect a debit or anything of that nature. Basically jumped right into making payments. In XXXX 2005 I received some charges in which I was to pay some fines, over the course of a few years I made payments, and when I filed my taxes they took my state return. I assumed since I was n't getting returns that they were still taking them, I was just contacted today for this debit ( 11 years later ), according to them they have sold my account 3 times and have failed to find me, yet I 've lived in the same county for 8 years, gone to school, applied for loans, I have phones and bills in my name, not to mention a simple google.com search brings up my information. The original debit is for just under {$900.00} now they want me to pay over {$1300.00} for their collection costs. They were able to verify my address in XXXX XXXX, Utah. I do not have any type of documents and when calling the court house they have destroyed my file therefore there is nothing left of this case.