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

Never received a notice which in 45 days per the credit card act of XXXX. Account closed reasons stated : inactivity, current or past delinquency, derogatory public record and/or collection accounts. Received email account closed XX/XX/XXXX and received letter explaining XX/XX/XXXX dated XX/XX/XXXX. Last activity was paid in full XX/XX/XXXX. And I believe negative ( false ) reporting from Bank of America will have negative affect on credit report.
Product: Mortgage

Hello- My money is escrowed and PHH Mortgage has not paid my property taxes that were due in XX/XX/2020. 

I have been calling them since XXXX and have spoken with at least 10 different escalation agents. My property taxes were due in XXXX. Late fees have been accumulating and I am afraid I am going to be foreclosed upon if they do not take my money out of escrow and pay my taxes. I have a record of all of my phone calls. 

My assigned casemanager XXXX has not returned my calls and I keep being told she's working on it with no answers as to when they will be paid. I just called again and was given the same run around, that I will hear from her soon and she is working on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out XX/XX/XXXX that multiple accounts which belong to me from my creditor XXXX were not showing on my XXXX  or Equifax report. I reached out multiple times submitted all requested documents to both companies but they fail to put it back on my report. This has caused me to be declined by creditors due to missing information. I Spoke to XXXX who showed proof they were reporting accurately but Equifax and XXXX  refuses to update my file as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXXDispute XXXX/XXXX  XXXXDispute XXXX  XXXX XXXX/XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX   XXXX XXXX XXXX XXXXDispute US DEPT OF ED/XXXXDispute US DEPT OF ED/XXXXDispute XXXX XXXX XXXX filed ftc on all accounts
Product: Checking or savings account

I was reviewing my statement from XX/XX/XXXX  on my chime app account I noticed 2 errors on the billing statement that was incorrect it was for an ATM cash withdrawal for - {$500.00} on XX/XX/ that I didnt authorize this EFT transaction I contacted chime to start a dispute but since it was pending at first they said I had to wait until it settles on my transaction list. A chime customer service also said once money settles it should come back to account it never did and Ive heard nothing back about it yet and this is money that has been taken from me I was given a dispute number XXXX and XXXX by a chime customer service rep. for this error but still havent received my funds back into my account for this unathorized transaction The second error on my billing statement that was incorrect was for another unauthorized EFT transaction on XX/XX/ for {$500.00} I didnt authorize this transaction and money has been taken out of my account I emailed chime support and have not heard anything back
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This Is my Fourth written request for Method of Verification. Why Does You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting

This item is past the statue of limitation and should not be listed on my credit file.
Product: Debt collection

I had a problem receiving my security deposit from this company called XXXX XXXX XXXX. Which is no longer a company. Once I started asking for my security deposit back that's when all these problems started. Literally the same day I got an email saying I requested information from this company ( National Credit Systems , Inc ). Which I never did. I explained to the lady XXXX XXXX on XXXX that this debt does not belong to me and that they were contacting me fraudulently for this company XXXX XXXX XXXX The woman was very rude and hostile on the phone with me. I then went to the corporate office downtown XXXX and I spoke with the regional manager XXXX XXXX XXXX XXXX  who I gave my information to and she did state that she was going to take care of this. That I did not owe their company anything. This is fraud!! The leasing office no longer exists and the employees were all doing fraudulent things. I never knew I owed a debt. I moved out XX/XX/XXXX. I did my 60 day notice and walk through of the apartment on XX/XX/XXXX with XXXX XXXX. She approved my intent to move and signed off that I didn't owe anything and my date to move out was XX/XX/XXXX. Which I did and returned their keys. I never had any issues or knew anything about a debt owed until I got that email on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act- XXXX XXXX Account # XXXX, Dept of ED/ XXXX Acct XXXX XXXX Dept of XXXX XXXX- Acct # XXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Acct # XXXX XXXX Acct- # XXXX XXXX Acct- # XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604A. States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting Act XXXXXXXX XXXX XXXXXXXX XXXX with account number XXXX has violated my right to privacy. 15USC 1681 Section 602A State that I have a right to privacy. 15USC 1681 Section 604A Section 2. Also state a person or consumer reporting agency can not furnish an account without a written instructions.
Product: Consumer Loan

I purchased a vehicle from a used car dealership XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2012. Westlake Financial Services XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. The car was a lemon. It broke down completely and I returned the car to the dealership on XXXX XXXX, 2012. The car was towed back to the dealership. Westlake Financial has been reporting to all XXXX credit bureaus that I still owe the full amount of the loan with wrong information and refuse to remove this or the debt. Truly a horrible nightmare experience dealing with them, the dealership involved, and the credit bureaus. I 've been disputing this for years with no resolve. This is making a negative impact on my credit reports and life. It 's preventing me from having any credit from other lenders or even my own bank because it reflects the entire balance as a charge off. I want others to be aware and stay away from them.
Product: Credit card or prepaid card

I received notice from XXXX XXXX that my credit score went down because of a closed account. Upon research I discovered this was a result of Bank of America cancelling one of my credit cards. I contacted Bank of America and they explained it was cancelled due to none use. 

I explained to them that I had that credit card since XXXX and had to request a new one in XXXX that had a chip and could be used world wide since we travel over seas and the old card would not work over there. At that time the Bank of America associate told me to go ahead and keep the old card in case I needed it or if something happened to the new since there was no fee or cost to keep it open ( That was XXXX years ago ). 

I further explained that if I could get a credit increase on the new card equivalent to what I lost with the old card that may restore my credit score and rating. The situation is this, 1 ) I retired early in my XXXX 's and no longer have an income. 2 ) I am able to live off my saving until I reach XXXX at which time I will receive social security and will be able to also access my IRA retirement accounts. 3 ) They are unwilling to state whether I could get approval for credit increase since I do n't have a income. 4 ) They ca n't state if they make a credit inquiry whether it would be soft or hard request. 5 ) If it gets denied then my credit score could be adversely effected even more by the denial and subsequent hard request action.
Product: Debt collection

Jefferson Capital Systems LLC sent me letter stating I had not paid on a judgement made against me. After the judgement they garnished my wages to pay it off yet they are attempting to collect the from me debt a second time. I notified them of this error and sent paystubs showing they were paid, they requested additional information from me which I will have to obtain from a previous employer wasting my time when they should have records of all of this.
Product: Checking or savings account

On XX/XX/2023 I loaded {$170.00} to my netspend checking account at XXXX. The next day I tried to make a purchase of {$37.00} and it was declined. When I tried to sign into my account I got a message stating : There is an issue with your account. Please contact customer service to resolve the issue at XXXX, as follows : Attached document. 
I'm on XXXX and could not get my medicine or food because of this. They wanted me to send copies of my drivers license, social security card and proof of address to them. I've had this account for XXXX years and am not sending my private information that they should already have. Also, the bank information on my ssa.gov account was changed to some bank and account number I have never heard of. I think it may have been XXXX XXXX or something like that. I got a new account and tried to changed it with the ssa. If my XXXX payment goes to this fraudulent account, I will collapse. I'm in my XXXX  and need my medicine and food. All I want is my {$170.00} back and this account closed forever. I have proof of my deposit if needed or anything else you may need me to do. I would appreciate it if you could expediate this. The stress is killing me. Thank You
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding your company 's practices, which appear to be in direct violation of 15 USC 1666b, a crucial consumer protection law. This statute aims to safeguard consumers by ensuring transparent and fair business dealings. It is disappointing to observe that your company 's actions do not align with the provisions of this law. Specifically, the law mandates clear and accurate disclosure of terms, fees, and other relevant information pertaining to consumer transactions. It is disheartening to note that your company has failed to adhere to these principles, thus potentially subjecting consumers to unfair and deceptive practices. I kindly demand that your company takes immediate corrective action to ensure compliance with 15 USC 1666b. Failure to do so would leave me no choice but to explore legal avenues to address this matter, which could include initiating litigation against your company. I hope we can resolve this matter promptly and amicably, upholding the rights and protection of consumers as intended by the law.
Product: Credit card or prepaid card

A credit card was taken out at a bank with my information. All three credit reporting companies- Experian, XXXX, and XXXX - lowered my credit score because of a hard inquiry and a new credit card which I did not apply for!! 

I spoke with someone at the bank to get this straightened out, but it takes 30 to 60 days to remove it from my record. I notified one of the credit agencies regarding the fraud and they wrote back that they checked the information and I had taken out the card!!!
Product: Debt collection

XX/XX/2015 called and told them this is not my account
Product: Checking or savings account

I was with Navy federal i say about XXXX  months ago they closed my account and told me that I had overdraft and I had unforseen fees but I never overdraft my account and I was getting my work checks sent to then and they stopped that aswell
Product: Credit reporting or other personal consumer reports

Hi Equifax, this is a second time I checked my credit report and still saw this fraud collection account under my credit report WITHOUT my knowledge. This fraud collection account from XXXX XXXX XXXX WAS OPENED DUE TO FRAUD AND SHALL DELETE from my credit report. The fraud account number is XXXX shall delete from my credit report as agreed by the original creditor XXXX XXXX XXXX XXXX. I was told that inaccurate MEDICAL BILLS shall NOT SUPPOSE TO REPORT ON my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING LLC has been sharing my nonpublic personal information with nonaffiliated third parties such as XXXX, XXXX, and XXXX without my consent. Furthermore, the information that they are reporting is inaccurate and false. This violation of my consumer rights is a breach of my right to privacy. Additionally, LVNV FUNDING LLC has denied me the right to opt out of sharing my private information with consumer reporting agencies, which is a violation of multiple federal laws.
Product: Credit card or prepaid card

On XXXX XXXX I unexpectedly received a statement from my Home Depot credit card with a balance of {$100.00} with a past due amount of XXXX. I immediately contacted customer service to inquire why there was a balance as I had paid my balance in full in XX/XX/XXXX. The rep told me that the balance was late charges for XXXX, XXXX, and XXXX because my payment in XXXX was not posted until XX/XX/XXXX, two days past the due date. I asked why I was never contacted and the rep informed me that my account was set to do not call in XX/XX/XXXX, but could not explain who or why it was that way. During the call I reviewed my bank account and confirmed that the payment was delivered on XX/XX/XXXX. My bank debits my account once the payment is processed by the payee. The rep told me I could only mail in proof of the payment there was no other way to provide evidence, and I would continue to accrue late charges until the letter was reviewed. I asked to speak to a manager and was transferred over and over until finally the call was disconnected. The company never attempted to call me back to resolve the issue. 
I don't believe it is ethical to allow my account to accrue late charges and not contact me, or allow me to provide proof of payment by reasonable means when everyone operates in an electronic world these days. I am a senior living on fixed income and can't afford to pay {$100.00} of fees when the payment was received by the due date of XX/XX/XXXX. I feel this is unfair and an attempt to earn fee income.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report online and notice a address on file that i never resided at and a mortgage loan by XXXXXXXX XXXX in the amount of $ XXXXWhich I do not recognize upon reviewing the informed I did notice it was open around the time my wallet was lost with all my information in XXXX. I contacted this company to inform them of the fraudulent active as well as the police and i was advised by the police to file a complaint online which i did. the company XXXXXXXX XXXX advised me someone would give me a call regarding this matter on XX/XX/XXXX that has not happened as of yet.
Product: Debt collection

on XX/XX/2022 i was notified by XXXX XXXX that there has been a change to my credit score. i logged into the app to see my score being dropped by XXXX XXXX and being sent to collections because i missed a payment for my best buy credit card. i was confused because i didnt receive any emails or letters notifying me of this before XX/XX/XXXX. Even after the fact that it was sent to collections i still havent received anything. Its been a really tough year for me battling with XXXX XXXX XXXX XXXX. i admit i did miss a payment but i shouldnt be punished this bad for missing. since ive been paying on time previously. Since the situation ive been paying towards that credit card again.
Product: Credit card or prepaid card

Citi Thank You Rewards make it impossible to actually use the points for transfer to airlines such as XXXX XXXX. I have tried to transfer points many times and it always just gives an error that does not describe what the error is. I followed all stipulations in the terms and conditions. The error does not describe what is wrong. I believe the website is misleading and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to hospital in XXXX 
Hospital did not bill the department of veteran affairs like I said to, and they sent the bill to collections immediately. 

I have the VA agreeing to cover the care and the creditor stated that they are removing it. 

Transunion isnt updating their system to reflect this change and the damage to my credit has not been reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 and the companies responded. Some got deleted but there are still fraudulent items on my credit report. I submitted a complain again last XX/XX/2023 and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns because there are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit report.
Product: Vehicle loan or lease

Re : Identity Theft Complaint Fraudulent Reporting by Experian and XXXX XXXX XXXX XXXX XXXX XXXX 
Upon reviewing my consumer credit report with Experian, I noticed identity theft, and discovered my credit report contains fraudulent information and inaccurate information. Experian and XXXX XXXX XXXX XXXX XXXX XXXX ( account # XXXX ) are committing a felon crime, which is aggravated identity theft and is a terrorism offense. According to 15 U.S.C. 1681 ( b ) and 18 U.S.C. 1028 ( A ) section 2332b ( g ) ( 5 ) ( B ).

This is a true statement of affidavit, line item XXXX XXXX XXXX XXXX XXXX XXXX ( account # XXXX ) is fraudulent inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

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 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
Product: Credit card or prepaid card

On XXXX, I purchased a Visa gift card ( XXXX ) from XXXX for {$470.00}. I could tell after opening the card that it had been tampered with as there was really hard glue covering the sercurity code. After scratching the glue of the card the security code was no longer readable ( completely removed ). I attempted to use the card 5 times at a walmart but the magnetic information was also removed from the card. 

I called US Bank ( XXXX  ) customer support at XXXX. I told them exactly the details noted above. They said they would send me a replacement card in the mail. I told them to disable the orginal card since it was tampered with. I received the replacement card ( XXXX ) on XX/XX/18 in the mail. I activated the card and was told there was a {$0.00} balance. I called and was told someone had used the original card. I explained the card was not usable and I didn't even have the security code since it was tampered with. I also informed them that I had been through all of this XXXX days ago. They went through a list of charges and I confirmed it was not me ( since it couldn't be me ). They put me on hold for XXXX minutes as they tried to find someone to file a dispute with.