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

XXXX XXXX XXXXXXXX XXXX XXXX is my Commercial policy Insurance Company. On XX/XX/XXXX and XX/XX/XXXX I was rear ended and suffered severe debilitating injuries resulting in Loss Wages paid by XXXX XXXX XXXX XXXX XXXX  of {$2000.00} per month from XX/XX/XXXX to XX/XX/XXXX. Along with Personal Injury Protection Medical payments made by them to all my Medical providers. This company has in essence penalized me for these Accidents and has raised my Commercial Policy premiums from {$2500.00} per year to {$5900.00} per year for my XXXX XXXX policy. This is clearly based upon my filing of Bankruptcy in XXXX XXXX of Bankruptcy case # XXXX. 
I have filed several complaints with the Hawaii State Insurance Commissioner 's Office and have not received any justifiable results to correct the Over charging or the Injustice of being placed on the Joint Underwriters program. I should not be on this program and it is due in part to my credit rating that needs to be corrected with all credit rating bureau 's in the United States. The Bankruptcy Trustee has returned my cases a few months ago. But, I am still subjected to the same hardships, or difficulty with the legal system to pursue these matters, and receive fair and adequate settlements for injuries. So, I can move forward with my Surgeries and once again pursue my Businesses and Life per se. WILL FAX THE BANKRUPTCY COURT FINAL DECREE
Product: Checking or savings account

I placed an online order at XXXX for a pair of XXXX Shoes in Size XXXX on XX/XX/2021 in the amount of {$120.00} using my Bank of America Debit Card linked to checking account. However, the merchant has shipped me a pair of XXXX Shoes in Size XXXX ( incorrect size ). After numerous emails, the merchant has provided me with a return shipping label, promising me to issue my refund immediately upon receipt of the incorrect item they had shipped me. I have shipped the item back using the return shipping label with XXXX tracking number XXXX. The package was received back on Monday, XX/XX/2021 by the merchant as the XXXX tracking number indicates. However, the merchant is now refusing to issue my refund. I have asked Bank of America to open a claim against the merchant, and retrieve my funds as I am no longer in possession of the item, and I have proof that the item has been returned to the merchant. Bank of America opened a claim. However, without taking into account the details I provided, they closed the case and reversed the temporary credit they had issued for me. The fund has been debited from my checking account even though I have returned the item, and Bank of America is not helping me to get my money back, and is not treating me fairly. I am asking CFPB to resolve the issue for me and retrieve my funds for this incorrect item, which I returned and Bank of America has failed to close the case in my favor despite all the evidence I have provided.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, Bills of exchange Act, Federal reserve act, 18 use 241/242, Truth & lending act, CDCA HUR-192, ECOA ( Equal credit opportunity Act ). 

The list of accounts from XXXX credit BUREAUS : Reported on ( XX/XX/2024 ) Account Name : XXXX Account # : XXXX Has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal reserve act ( Section16 part 2 ), and Bill of exchange act. They also knowingly and willingly conspired to deprive me of human rights under color law title 18 use XXXX, while committing securities fraud, FACT : 15 USC 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. There are inaccuracies and discrepancies in the PAYMENT HISTORY, ACCOUNT NAME, OPEN & CLOSED ACCOUNT BALANCE UPDATED, OPEN AND CLOSED DATES, INCORRECT VERIFIED INFORMATION AND DATES, CREDIT LIMIIT, CONTACT INFO, DATE LAST ACTIVE AND PAYMENT STATUS. I demand that you immediately delete this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine the responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
The inquiries that are in question are as follows : XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

1. On XXXX XXXX, XXXX  Wells Fargo Bank ( WFB ) notified me via email that my Social Security deposit was " available '' in the amount of XXXX. I then initiated several electronic bill payments via the WFB online bill pay system. 
2. The next day XXXX XXXX, my checking account showed a negative balance of approximately ( XXXX ). This prevented me from accessing my funds all together even though the balance should be XXXX positive. 
3. When I called the bank on the phone I was told that I would not have access to my funds for at least one-week. 
4. My funds were finally made available XXXX on XXXX XXXX. 
5. I then downloaded the record transaction history for my checking account and discovered that the sequence of transactions were dated to reflect different dates from those that actually occurred. 
6. A WFB from the executive office initiated an investigation but failed to admit to the bank error and failed to correct the root cause of the bank error which is apparently a software issue in their computer system.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a negative account that doesn't belong to me and have continually done so even though I have sent in all documentation and police reports for removal They removed the account and just recently placed it back on my credit file and will not reply or correct this
Product: Credit reporting or other personal consumer reports

ChexSystems is refusing to reinvestigate a dispute I submitted regarding a charge-off reported by XXXX XXXX XXXX The original charge-off was caused by an unauthorized ACH withdrawal that occurred after I had already sent a wire transfer to the same party. The XXXX was for a different amount, and I never authorized it. This unauthorized transaction caused the account to go negative. 

I contacted XXXX immediately to stop the transaction, but they failed to act. I later paid the full charge-off amount, yet XXXX reported me to ChexSystems, and the entry remains. 

I submitted a dispute to ChexSystems, clearly identifying new information the unauthorized nature of the XXXX, its differing amount from the wire, and Schwabs inaction. Under FCRA 1681i, I am entitled to a reinvestigation when new facts are presented. Instead, ChexSystems dismissed my dispute as frivolous without reviewing the details or seeking any validation from XXXX. 

Their refusal to reinvestigate based on newly submitted information is a direct violation of the Fair Credit Reporting Act and is causing continued financial harm by preventing me from opening essential banking accounts.
Product: Consumer Loan

In XXXX 2014, based on XXXX reporting, I received a 30-day late on my monthly loan amount of {$620.00} which was due on the XXXX of every month. At the time, my payments were being managed under the agreement of my debt collection company XXXX XXXX XXXX, who was responsible for drawing money out of my personal bank account and making payments directly to my creditors. 

On XXXX XXXX, 2014, XXXX XXXX XXXX transmitted a {$620.00} payment towards my Discover Personal Loan debt. The payment was to be deemed 30-days late on XXXX XXXX. XXXX XXXX XXXX made the payment on the XXXX and Discover Loans did not recognize or process it until XXXX XXXX. When this happened, they deemed the payment as 30-days late even though it was transmitted to them on the XXXX. 

After receiving the 30-day late on my credit report, both myself and XXXX did a XXXX call to try to resolve the matter but the Discover supervisor would not work with us at all. I have since paid off this {$25000.00} loan and I had never received a 30 day late accept for this XXXX and I feel that Discover had some error in it as their system did not recognize the payment until later than expected.
Product: Debt collection

This is in reference to previous complaint filed with you under XXXX XXXX XXXX. They sued me in court. The case went to a hearing on XXXX XXXX, 2924 ( see court case attachment ). LVNV did not provide one shred of proof that this was my account. Judgement by court was rendered on my behalf. LVNV was given XXXX ( XXXX ) days to appeal, they did not. Since that time I have been disputing to have this removed from my credit report and LVNV has refused to do so even after the court ruled against them as to this being my debt. I am requesting thru you to have them remove this as it is incorrect reporting on my credit report.
Product: Credit reporting or other personal consumer reports

In XX/XX/2018 I noticed five accounts that did not belong to me on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts The FBI has emailed me regarding this matter and I am a victim of identify theft.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide me with evidence of the investigation you conducted and the basis on which you concluded that the debt in question is verified.
Product: Money transfer, virtual currency, or money service

My cashapp was hacked and the hacker sent funds to their account. There are several reports about this account and cashapp still allowed the user to operate and steal funds. I have not recieved my money back for this unauthorized transactions. The user has multiple accounts and changed his name to defraud more people
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Reinvestigation and NOTICE OF DEFAULT AND OPPORTUNITY TO CURE WITH THE INTENT TO SUE FOR DEFAMATION. The main law mandating that CRAs ensure the security and confidentiality of personal information is the Gramm Leach Bliley Act ( GLBA ) enacted in 1999. Because of your data breaches, along with your inaccurate incomplete reporting of my nonpublic personal information, you have FAILED in your obligations to protect me as a consumer/natural person. You say that you verified these negative inaccurate items that are still listed on my consumer report. I want to know HOW were they verified? What was the method and or process of your re-investigation? 
Who did you speak with? 
What is their job title and/or position within the company? 
What is the address where they are located? 
What is their direct phone number? 
Where are the documents including accounting ledger and contract?
Product: Debt collection

I was evicted from my home and in XXXX. At this time I owed the original creditor the remaining balance. As of XXXX this year ( XXXX ), I was able to get back on my feet and am now settled into my current address. I did not receive any information until looking into my credit report, regarding the debt. Interestingly the the debt in the amount of {$1900.00} apareard on the report in XX/XX/XXXX then in XX/XX/XXXX was no longer shiwing on the credit report. As of XX/XX/XXXX it showed back up. I tried to resolve the issue with the company but was told I had to pay the balance of {$1900.00} in full, dispite my hardship and dispite never recieving any notice ti collect a debt.
Product: Debt collection

I am submitting this complaint for my elderly mother, who had medical transport from XXXX ( XXXX XXXX XXXX ) twice, from the hospital to a XXXX, with charges of {$910.00} and {$850.00}. Both of these were paid, but XXXX sent another bill for both. She ignored the double bill ; we assumed that they were still processing the payments. ( I have POA ). 

Then XXXX turned this debt that she did not owe over to Credence, a collection agency based in XXXX. The employee called multiple times a day, including before XXXX. This left my mother in tears. The employee used multiple phone numbers, including one with our area code, and several names ( I could tell that it was the same person ). 

When we tried to call XXXX, they said that they had no record of payment. We have heard nothing from them since I mailed photocopies of the cancelled checks. My mother had been so upset and confused that she sent a {$100.00} check to Credence Resource Management for a debt she did not owe. She was so upset and worried after the repeated harassing phone calls that she sent another check to Credence, which I asked the bank to stop payment on. 

At best XXXX was careless and incompetent, but they may have been trying to commit fraud by deliberately double billing. If we did n't have the cancelled checks, there would have been no recourse and my mother would have been cheated out of {$1700.00}. 

The debt collection practices of Credence are illegal and abusive ( and I 've noted that there are many complaints about this collection agency both for abusive practices and for attempting to collect debts not owed ). They claim to have an address in XXXX but are actually based in XXXX. 

An employee of theirs called several times a day, as early as XXXX and as late as XXXX, in violation of Federal regulations, used multiple names and phone numbers, and threatened legal action. 

Now we are concerned that XXXX and Credence ruined her credit rating, which was excellent before this. It has been three weeks since we mailed them photocopies of the cancelled checks and still have not received any response.
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 XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 card or prepaid card

I have been charged wrongfully since XX/XX/XXXX. I calles customer service to make a payment becuase there systems online were not working and calling numerous times to get thru finally reached someone on XX/XX/XXXX to ask about bill. The representative assured me my only balance was XXXX so I becuase that was all that's owed she advice to me make this payment and your account will be satisfied. Then in XXXX again a balance of XXXX and additional XXXX charged again for no apparent reason no transactions were ever made and again balance showed up. Then representative fixed it. In XXXX it showed up again and called to get it fixed representative again assured me no balance that I in fact had a credit due to fixing issue. Then today XX/XX/XXXX, I have a balance again for the same thing I keep paying over and over. Victorias secret credit card has been taking money from me saying its late fees etc when I have not used my account and they have been advising to me payments have been satisfied. Every month is the same concern and I called them to get them to help on what is happening they say there is no balance but then it shows up again.
Product: Credit reporting or other personal consumer reports

In 2023, I purchased an automobile from XXXX XXXX XXXX, and they distributed and others having access to my credit file running multiple inquires on XX/XX/year> from the same transaction. 

The transactions were made by XXXX  XXXX XXXX on XX/XX/year>, XXXX XXXX on XX/XX/year> and XXXX XXXX XXXX XXXX on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, acct # XXXX, OPENDED XX/XX/2018 : I do not have an account with this company. I do not have ANY open collection accounts. I have never ratified a commitment to borrower funds of any type from this company, nor do I have an outstanding collection account with them. Did they buy a closed out debt that was resolved, that they're scamming me for additional funds?
Product: Mortgage

My husband and I purchased a home in XX/XX/XXXX and the loan is being serviced by LoanCare. At the beginning of XX/XX/XXXX, we received a letter from LoanCare stating that our mortgage was increasing by {$300.00} per month because our taxes had increased to {$4500.00}. I wrote back to them and sent a letter from the XXXX XXXX XXXX appraiser stating that we had filed a homestead exemption. I waited a few days then called to see if they had received the paperwork. They said that they had a nd that I would have an answer with regard to re-calculation by XX/XX/XXXX No one called me back. I called them back and spoke to a XXXX who told me the tax dept was working on it and that I would have an answer in 72 hours which would have been XX/XX/XXXX. No response. I called back on XX/XX/XXXX and spoke to two people, one named XXXX who told me that re-calculating normally takes 6 weeks. I asked to speak to a supervisor, he told me no one was available but that someone would call me back within 72 hours. Still no response. I have on two occasions requested, in writing, for an advocate, and have gotten no response! I now wonder if they are working on a re-calculation at all and where did they come up with the {$4500.00}. The County estimated our taxes at {$2300.00}. We are seniors and can not afford this {$300.00} per month increase, especially when we did our exemption. Can someone help us. This company it totally unethical and unresponsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$240000.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX  XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$21000.00}
Product: Debt collection

I was called by a very rude person who called several times until I answered ( proof on call log ) also it was wayy after nine when I did answer and told them my rights they got very hostile and started using abusive language and threatened to turn me into the credit bureau even though I was told by the complex we were settled by the district XXXX herself! Also the amount they claim is wayy off that we got in our letter. Plus I was told this was a company owned by XXXX XXXX XXXX which I know how debt collection works and I know thats not the case. So in summary the agent lied and tried to be manipulative and was very rude and aggressive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a collection account with XXXX XXXX XXXX XXXX with a current payment arrangement. Equifax is report this account twice on my credit report. I only have 1 account. The duplicate account is negatively affecting my credit score and the purchase of a home.
Product: Debt collection

They call at least Twice a day well knowing they are only allowed to call 1 a day or up to 7 times with a week I will attach screen shots of the continued harassment, they have called 15 times since the XX/XX/XXXX and sometimes from a different number trying to avoid this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over one month ago, XX/XX/XXXX approximately, I requested to have my transaction detail from XXXX forward emailed to me because I have a transaction on there where I sent money to a XXXX XXXX XXXX for a puppy. I now have to produce proof that I sent these funds. 
I have made numerous phone calls and requests to PayPal and they tell me they will send me the information, but they never do. I called them again today and the customer service person in collections said he can not help me, that I need to sign on to the Paypal site. I tried that more than once and my account is locked so I am not able to get help that way. This man kept saying I owe money when I do not and I alerted them a long time ago that there was fraud on my account. 
Paypal refuses to help me to give me the details of my tranactions from XX/XX/XXXX forward. They keep giving me the runaround. This is unfair and Illegal. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE CHECK SUPPORTING DOCUMENTS FOR FURTHER DETAIL ON SITUATION. I AM SUBMITTING MY COMPLAINT WITHOUT INFLUENCE FROM ANY THIRD PARTY.