23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

was charged a deposit for {$15000.00} to make sure I have enough money to bid on my card for a charity auction legend on the same day and an hour later I bid on something they charged me {$5600.00} I disputed this charge Citibank gave me a provisional credit and they took the credit back on XX/XX/XXXX I wrote them a letter gave explanation after I did that four different times they responded on XX/XX/XXXX and told me theyll give me the credit back on XX/XX/XXXX and this investigational will be completed its been almost 3 months I dont know what the law states but theyre taking too long to investigate this I want my money back I want the credit this is ridiculous this was just a deposit
Product: Debt collection

I receive phone calls from Franklin Service , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Phone : XXXX They call repeatedly but do not leave a voice mail, when I do answer, I have asked them on no less than 4 occasions to send me the information in writing as I do not believe I owe this debt. Each time they confirm but do not send the information and continue to call. I've asked repeatedly for more information, but they do not provide that information, instead calling repeatedly, leaving no voicemail, call after XXXX and ignore my wishes for more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get the information of my chapter XXXX verified and asked which company or person did they use to check my chapter XXXX.it is reporting open and it over 2.5 years old. Was deleted from both of the other to credit reporting agency XXXX and XXXX yet experian will not make removal of wrong information!
Product: Credit reporting, credit repair services, or other personal consumer reports

I TRY REACH OUT TO XXXX, XXXX, AND EQUIFAX CREDIT AGENCY ABOUT THIS ACCOUNT REPORT ON MY CREDIT REPORT. 

In accordance with the Fair Credit Reporting Act the list of accounts has violated my federally protected consumer rights to privacy and confidential under the 15 USC 1681. XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 section 602 A states i have the right to privacy. 

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

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

This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the TransUnion Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Balance : {$3100.00}
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX  and XXXX XXXX XXXX. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting false inquiries and accounts that I have no idea what they are and where they are from. I have sent a 609 letter and also tried the basic dispute process but no response. It has been on my report for months and is affecting my life and stopping me from getting a mortgage home loan, etc. I do not recognize any of the 3 inquiries and 1 account listed below XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against Equifax for Improper Use of Personal Information Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax for what I believe to be improper use of my personal information. 

On XX/XX/year>, I discovered that " Equifax accessed my credit report without my authorization '' and " incorrect information was reported on my credit file that adversely affects my chances of obtaining a loan due to incorrect name listed on my credit report. This has caused me significant distress and has negatively impacted me. 

Despite my attempts to resolve this issue directly with Equifax. I've submitted all supporting documents. My Driver 's License, utility bill, insuranc, payslip as well. 

I believe that this incident constitutes a violation of my rights under the Fair Credit Reporting Act and other relevant consumer protection laws. I kindly request that the CFPB investigate this matter and take appropriate action to ensure that Equifax adheres to the regulations governing the use of consumer information. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Three ACH withdrawals on my account from XXXX. 
PNC Bank will not help me with tracking information to recoup funds. 

PNC Bank says it was after 60 days so they will not investigate at all. It was less than 70 days but they dont care. 

XXXX needs info to attach to policy but PNC will not research. 
I have contacted by phone, by XXXX XXXX XXXX and local branch.
Product: Credit card or prepaid card

First progress does not acknowledge the military lending act nor the XXXX. I have given proof of XXXX XXXX orders as well as proof of becoming permanently XXXX from my service time. They state I am not on an XXXX XXXX registry currently. Obviously not, I became XXXX in XXXX and can non longer work, let alone be XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started an investigation into the collections account that has mistakenly been sent to collections in my name ( the debt was never mine, the VA approved my ER visit and the hospital was aware that the debt was not mine, but they billed me anyway and I wasn't aware of the debt until XXXX of 2018. I contacted the VA and they informed the creditor how to pursue the debt with the VA, they ignored this and just resubmitted the claim to a different collections agency six months later. 

Transunion did a quick investigation and concluded the debt is accurate. There is no indication if the information I submitted with the initial dispute was ever received or viewed and the company makes transparency in the process non existent. I informed them of the entire situation in the dispute form I submitted and there was absolutely no reference to it anywhere that I can observe. 

This situation has caused me financial distress that could result in tens of thousands of dollars over the life of loans I am currently purchasing. I worked incredibly hard to establish an excellent credit rating and this has contributed to my rate plummeting.
Product: Debt collection

Upon a credit check review for a mortgage qualification I was made aware of a collection account for Security Credit Services in the amount of {$1100.00}. I contacted Security Credit Services to get more information and was transferred to   XXXX   XXXX   XXXX   XXXX  . The little information I was able to find out is the following : On XX/XX/XXXX  someone opened a  XXXX  account under one of my old names.   XXXX   transferred the account to   XXXX   XXXX    who sold it to Security Credit Services which hired   XXXX   XXXX   XXXX   XXXX  . I told both   XXXX   XXXX   XXXX   & Security Credit Services that I never purchased or did business with   XXXX    and that the name used to open the account in   XXXX   has n't been my legal name since  XXXX . I have asked both companies to provide me account documentation and to date nothing has been received. Also called  XXXX  and they showed no record of an account. I have filed an Identity Theft report with the FTC and a Police Report.
Product: Checking or savings account

On XX/XX/XXXX I open an Checking account with fifth third bank by calling their XXXX XXXX number. It was fifth third banks bonus offer of {$200.00} on new checking account which got me in. 
According to the bonus offer on must apply for 16 digit offer code and present it while opening the account. I applied for an offer code using my email Id and without fail gave it the representative who was helping me open account, while before hanging the phone I dually make sure with her that my coupon is applied, she affirmed. 
The offer needed me to do a deposit of {$500.00} or more and keep it into account for atleast 60 days which I did. I deposited a check of about {$750.00} on XX/XX/XXXX and kept it in my account well beyond 60 days. 
Fifth third bank in their bonus offer had promised to deposit the bonus into account within 10 days of meeting the eligibility. 

I saw nothing was deposited even after a month of being eligible of bonus. So finally on XX/XX/XXXX called fifth third banks telephone helpline the representative their told me offer was never been applied and there is nothing that she could do about it. On being confronted with the fact that I have given offer code and dually made sure with your representative on the day of account opening, she just say I understand and keep repeating herself. 
I have been cheated and made fool by fifth third bank, I want responsible government agencies to take notice of fraudulent and unethical business practice employed by fifth third bank.
Product: Credit card or prepaid card

XXXX PM XX/XX/2021 Purchase Google Play Gift Card in XXXX ( Receipt available ) XXXX PM XX/XX/2021 Attempt to use the card to provide funds to my Google Play account. 
The transaction fail. I submit a claim and provided all the information requested by Google. 
XXXX PM XX/XX/2021 Google send me email that says : " According to our system, your Google Account or one of the Play Gift Cards you submitted isn't eligible for appeal. '' The next few days I tried again in my different Google accounts with the same result. 
XXXX AM XX/XX/2021 I chatted with Google Suport agent XXXX XXXX. She said : " we can't provide you with a refund for your gift card. As stated in our Terms of Service, I'm afraid that we won't be able to refund Google Play gift cards purchased from third-party retailers. '' Those " Terms of Service '' are not provided at the time of purchase. 

This is a scam master minded by Google to steal money from the american people. They provided a product that they are not going to honor to third party retailers. The retailer sell the product their customers and keep a cut of the money or kick back from Google.
Product: Debt collection

I spoke with a representative multiple times.Rudely they advised all the information this loan was taken out under my social and all additional information is incorrect. My work place at the time was incorrect signatures were wrong and they never checked an ID or bank account name or even properly checked for a pay stub to confirm employment.I told them multiple times this is fraud and they need to investigate and remove this from my credit it is XXXX  me drastically. they should not be able to operate.
Product: Debt collection

I am unaware of this debt. I did not get the opportunity to dispute this debt. I did not receive proper notification. If in fact, you believe I received proper notification, please provide the certified mail with a receipt with my signature on it stating that Ive received it.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I made a payment of {$700.00} via PayPal to purchase products from a seller named XXXX XXXX. Despite numerous attempts to contact him through XXXX XXXX, the seller failed to deliver the product as promised. He even assured me of a refund, only to subsequently cease all communication. 

Approximately one month after the payment was made, I initiated a dispute with PayPal. I meticulously submitted all relevant documents, including the invoice provided by the seller, a police report, FBI report, and FTC report ( as the seller has all my legal information ) confirming the fraudulent nature of the transaction. Additionally, I provided screenshots of the conversations between myself and the seller as evidence. 

Shockingly, PayPal failed to adequately review the evidence I provided, and the seller did not furnish any evidence to support their case. Consequently, PayPal closed the dispute citing that their terms and policies do not cover " investment products. '' Despite filing a complaint with the XXXX XXXX XXXX  ( XXXX  ), PayPal has not responded to address the matter. 

I am deeply disappointed with PayPal 's failure to protect my funds and address fraudulent activities on their platform. Their terms and policies seemingly provide a haven for scammers, leaving innocent consumers vulnerable to financial losses. As a widely recognized money transfer platform, such negligence is unacceptable. 

Therefore, I am urging the Consumer Financial Protection Bureau ( CFPB ) to intervene on my behalf and facilitate the refund of my money. It is imperative that PayPal rectifies this situation promptly to restore trust and safeguard the interests of its users.
Product: Vehicle loan or lease

So, I get a little behind in my car payments and I had tried to work out a solution to the problem. But it seemed like to me the creditors wanted to act like complete Hotheads. They illegally in my defense repossessed my vehicle without proper notice. They say they called but in my defense it must have been them calling from a private number without any messages afterwards never no letter in the mail. The representative basically called me liar over the phone. So I talked to a some weirdo supervisor that acted like she didn't even care even after I offered to pay the past due amount of {$810.00} only if the repossession fees where dealt with by the company because they did not properly notify me or even give me a chance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$99.00} XXXX  XXXX Balance : {$1000.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

There were not options for me to pick the correct complaint. 
I had a debt charged off XX/XX/2019 for XXXX Visa, The Bank of XX/XX/XXXX. It was reporting as such on my credit report and I have been slowly working with creditors to get any charge offs settled. The creditor wrote the debt off in XX/XX/XXXXand apparently it went to XXXX XX/XX/XXXX, then in turn sent it to Financial Recovery Services. 
This last company decided to re-age the account putting it on as a NEW collection account thereby dropping my score 45 points! A collection is before a charge off how can these companies ruin peoples credit and make a buck off a charged off debt and report it as if you went delinquent on a new account recently? There is so much compliance and regulation in every other industry and why are these creditors not regulated, constantly hurting consumers, selling debts over and over and even when they paid NEVER updating the credit? Here I am trying to fix my credit and they can just do what they want and ruin it again. I have disputed this over and over and nothing has changed. I want them to put it back to a charge off and I will settle with them but if I do that now it looks like I just paid a new collection again hurting my credit more. Please advised on any recourse. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I trust this message finds you well. I am writing to address an issue related to my charged-off XXXX credit card account and its erroneous reporting on my credit report. 

This particular account has been formally charged off, but it is consistently being reported as a 'charge-off ' on my credit report every month. Such monthly reporting inaccurately suggests a recurring negative event, which is not the case. 

As per the guidelines under the Fair Credit Reporting Act, a charged-off account should be reported once, not monthly. The constant reporting of the charge-off is adversely affecting my credit score, which is unjustified.

This ongoing misreporting is severely impacting my financial status and prospects for future credit opportunities. I earnestly request your intervention in rectifying this matter to ensure the accuracy of my credit report. 

Thank you for your prompt attention to this crucial issue. 

Best regards, XXXX XXXX
Product: Credit card

I was charge a late fee, I would like this late fee.

In accordance with the Fair Credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

My XXXX XXXX bankruptcy finished early and with success. Experian states it will remain on credit report for another 2 years. I would like to have it removed due to the inaccuracy of it being left on my report when completed with no issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts : XXXX XXXX account # XXXX and XXXX XXXX # XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I apologize for the inconvenience for the delay, this was due to the break out of the Covid pandemic which I lost my job, I am humbly asking to remove the late payment record from my credit report. I would highly appreciate it! thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank Home Mortgage put us on a payment forbearance plan that started XX/XX/22 and ended that XXXX. We were advised that due to a medical hardship, we did not have to make any payments during that time ( see attached documents ). When the time came to pay, rather than the payments just picking up again, US Bank now considered us as months past due. Whereas they had, in writing, advised that no payments were to be made, they actually were counting each of those agreed upon months as past due. We have disputed both through the credit reporting agencies and with US Bank to have the past due payments removed from our credit report, but US Bank continues to say their reporting is valid.
Product: Debt collection

Upon investigation, XXXX contacted me with information stating that the debt was sold to a financial firm, Sherman Financial ( XXXX ), and that the balanced in 2010 was {$2000.00}. They also stated that there was never a judgement placed against me for the debt and to contact the firm. When I called SF,  they proceeded to tell me that though the bought the debt, it was being handled by XXXX XXXX and Associates ( XXXX ). When I told them that I was never served and the amount expected was way beyond what was due, they stated that I probably was n't served and should contact the law firm. When I spoke to an associate for the firm, he stated that I should refer my call elsewhere or see them in court despite knowing that they never served me in order to have this judgement placed against me.The only one who has given me an accurate account of the alleged debt figures was XXXX and I 'm under the impression that I have been a victim of fraud by these firms in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022