23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX a Fraudulent Unauthorized Transactions came from a CLKBANK {$19.00} I reported to XXXX my card was stopped and a new card sent out ( card was stopped due to fraudulent unauthorized transactions ) I was told the card needs to be stopped! After that call to BBVA I called the company and told them this charged was not authorized by me that said my card will be issued a refund for the amount of {$1900.00} and that was done, BBVA has still choose tot make me pay for {$180.00} in overdraft fees and late fees on the overdraft fees for the fraud that happen on the account on XX/XX/XXXX When did the law change for the customer that has had Fraudulent charges done without consent or authorized has to pay for fee etc. that the bank policy is that when fraud happens the card must be stopped and all fees will be removed well all of those things has happen but BBVA has REFUSED to move the Fraudulent Fees on my account due to Fraud and I demand they removed these fees. This is the 2nd time this company has charged our card and that was just cleared up by them so both cards has had to be closed because of this {$19.00} charge from the same company.. REFUND OF NSF/OD FEES OPS COMPLIANCE SUPPORT FOR REG-E DISPUTE # Fees & Charges XXXX Banking Fee XX/XX/XXXX {$120.00}
Product: Mortgage

The loan or account number is not on the documents received from this unknown 3rd party called shellpoint is now trying to foreclose on my home. I have continued to pay the principal on my home, allowed but being ignored by all these financial institutions. 

I have no idea who this company is, but it needs to cease and desist its illegal practices of trying to take my home. there are 2 addresses- one in XXXX, Mi and one in XXXX, SC. both need to be shut down and investigated for illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX and XXXX Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this account immediately. 

1. DUVERA BILLING SERVI XXXXX Balance {$3200.00}
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Coinbase has my account under verification since XXXX despite I have sent them several times my data and photos of my ID card
Product: Credit reporting or other personal consumer reports

XXXX and Experian conducted an investigation and refused to remove fraudulent rental collection from XXXX  XXXX from my report as of XX/XX/year>. Attached is the FTC Report, letter from XXXX XXXX XXXX stating they will remove it from my report, and a letter from XXXX  XXXX stating that it is not my debt. I have also attached a hand-signed and notarized Identity Theft Affidavit signed for XXXX.
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 Account number : XXXX - {$530.00} - XXXX, XXXX Account name : XXXX Account number : XXXX - {$530.00} - TU 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic funds transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for the violations.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is a formal notification regarding fraudulent activity on my credit report. The following accounts, collections, and inquiries are not authorized and must be addressed immediately : Fraudulent Collection XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Account # : XXXX Opened : XX/XX/XXXX Reported : XX/XX/XXXX Fraudulent Account XXXX XXXX XXXX Account XXXX XXXX XXXX Fraudulent Inquiries XXXX. XXXX  ( XXXX XXXX XXXX, XXXX, PA XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX ( XXXX XXXX  XXXX XXXX, XXXX, AR XXXX ) Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, AR XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX I pray immediate removal of these fraudulent entries. Please confirm receipt and provide updates regarding resolution within 30 days. 

Sincerely, XXXX XXXX
Product: Debt collection

I originally noticed a unknown collection of {$520.00} on my credit report, which I disputed ownership of. Later that month I received a letter from Adler, Wallach & Associates , Inc., who apparently owns the debt I disputed, stating I owe an additional {$3300.00}. I have no knowledge of either amounts they claim I owe. I promptly sent them a letter, via certified mail, within 30 days of receiving the notice. In the letter I requested that they verify the original debtor and amounts. Not 10 days later, I find the {$3300.00} dollars added to my credit report. Additionally, it is suspiciously dated 3 days prior to receiving their first notice. Not to mention, they, a California based company, are using Wisconsin Statues Sec 138.04 as means to apply interest to this debt, which is also suspect.
Product: Debt collection

Portfolio Recovery A is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have not given them written instructions to report anything on my credit report. They have harmed my reputation and stop me from receiving services or goods by lowering my credit score.
Product: Credit card

This is a follow up to original claim # XXXX, which should have never been closed. Just because American Express responded doesnt mean theyre right. If you look at the Statements they submitted, you will see the XXXX XXXX XXXX It Plan disappears from a statement in the middle of the alleged plan. Additionally, they are trying to charge me a late fee despite us being in the middle of a CFPB dispute which was filed well before the due date. 

Also, if you look at the adjusted balanced and minimum payment dues on all of the statements that THEY PROVIDED IN RESPONSE, there is no accounting done for the Plan It Plans that were allegedly due. They have just demonstrated that their definition of an Adjusted Balance is in fact inaccurate along with their terms for a Plan It Plan itself. It is not my fault as the consumer that their system had an error that did not start accounting for the alleged plans in my account. No one could explain this, and theyve responded to the CFPB complaint in the same manner that theyve responded to me previously. THE BURDEN OF PROOF IS ON THEM AND THERE IS A CLEAR ISSUE. THEY HAVE JUST ADMITTED WHAT THEY ADVERTISE IS NOT WHAT IS ACCURATE. 

This needs to be escalated both at the CFPB and American Express, because this horrible treatment for a longtime customer. This question deserves more than a poorly written email consider their own attachments in response verify what I am saying.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra and hiippa violation sent police report please remove hippa and cra violation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has continuously checked my credit even after having called them and explaining that I do not want, nor have I ever, applied for credit with them. 
I have not applied for any credit in XXXX, and XXXX has run my report at least 3 times! None of which times were authorized or initiated by myself. 
I called the credit bureau and had place a freeze on my ss, but this has not stopped XXXX from running my credit again at least twice after the fact. 
I want this ended, yet XXXX continues to run my credit regardless of the freeze on my social security number.
Product: Credit card or prepaid card

Hello, My name is XXXX XXXX. 
In late XXXX ( XX/XX/XXXX ), on a site called XXXX  ( no longer online, here is the link to the site : XXXX XXXX XXXX ), I purchased shoes using my Bank of America ( BoA ) credit card. The shoes said they are made in the USA and that they are orthopedic. 

Hours after I place the order I got a shipping notification with a USPS tracking number ( XXXX ), but the link in the email is to a XXXX shipment tracking site. So it ticked off an alarm in my head and I emailed the merchant to cancel the order ( they also had a free 60 day return policy listed on their site ). 

An hour after that email, the site is no longer online. At that point I called to file a dispute with BoA dispute department. Case number XXXX, for card ending in XXXX. 

I get the money back. The merchant hasn't responded to my initial email asking to cancel the order in the meantime. The item then arrives on XX/XX/XXXX and the item is made in XXXX, not in the USA like listed on the site, and is clearly not orthopedic. I sent the merchant another email on XX/XX/XXXX asking to return the item, but got on response. 
2 weeks after I started the dispute, BoA gets back to me saying that the claim is resolved. 

About 2 weeks ago ( XX/XX/XXXX ) the BoA dispute department sent me a letter that " new evidence came to light '' and that the merchant told them that the item was delivered. 
BoA dispute department is asking for a return slip or a return tracking number. 
I sent them the emails I sent the merchant and I wrote to them that the site went offline mere hours after I placed the order, which should tip them off that the merchant is a scammer. On Friday, XX/XX/XXXX, I got a message that the proof wasn't sufficient and BoA put the charge back on my card. 

I tried calling Customer service following their decision, and they said " you didn't return the item ''. Now, how would I return the item if I have no shipping address and the merchant isn't answering emails or communication, which I have clearly proved in my documents to BoA? 

In my letter to BoA, I have also listed the fact that the merchant hasn't responded to me, but he has to them. I made it clear to BoA that I still have the item and that if they contact the merchant and get a return address ( as they have no problem reaching him ), I will return the item gladly as I do not want the shoes. 

I also tried reaching out to the head of client care at BoA on Friday, XX/XX/XXXX, but I have received no answer as of yet. 

The emails I sent the merchant and showed BoA are attached to this complaint ( again, I received no response from the merchant to this day ).
Product: Checking or savings account

Everytime I would depsiti a check they always kept it on hold for like a week and that was that I coudnt do anything about it. Meanwhile account was being overdraft XXXX while check was being cleared.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delaying posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Im not sure why PNC continues to call me. Since signing the new modification effective XX/XX/2024, PNC has contacted me several times on XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, and XX/XX/2024 when I have been making my monthly payments. PNC has a 15-days grace period policy to make monthly mortgage payments on the website. Late fees will be assessed on the XXXX day of the month. I have been harassed by PNC for whatever it is when Im making payments. Payments are disbursed from my credit union account with the expectation for PNC to receive payment by XX/XX/XXXX and XX/XX/XXXX. I would need PNC to confirm the dates payments were received from my financial institution. I also need to know, if there is 15 days grace period, why is PNC contacting me every week? Why is PNC reporting false information to the three credit bureaus that my payments are late, causing my credit score to decrease when there is 15 days grace period? 

In addition, after sending PNC the signed modification documents, they sent me additional documents stating the signed documents received the signature and the notary was in the wrong place or signed incorrectly. I will not be signing any additional documents because I went to a legit notary at my financial institution, and she has signed my documents before. Until PNC reduces the monthly payments back to my original monthly payments, which was {$1300.00}, as I have expressed before, the {$1800.00} per month is not affordable. It is PNCs obligation when applying for modification to make affordable monthly payments to prevent losing the home. I will probably consider resigning the documents for a $ 1300 monthly affordable payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery reported on both my credit reports XXXX and XXXX 2 days ago, a debt from XXXX XXXX XXXX  XXXX for ( {$910.00} ), that was never established as being mine! For the past almost 2 years I have been asking them for proof with original signed documents and not copies and they have not been able to provide me with that. Instead all they send me are credit card statements without my original signature which as you know is required by law. Furthermore, I HAVE A LETTER FROM THEM dated XX/XX/2019 from XXXX XXXX  XXXX ( XXXX ) that specifically states that this debt was discovered not to be mine! Also, In that letter it is stated in clear bold red that the statute of limitations for collecting this debt has expired!. I have had many phone calls with their representatives and have recorded all of them! This is now harassment and has impacted my credit standing. Please help me with this.
Product: Credit card

I am writing to formally request specific details regarding the charge-offs that has been reported on my consumer report by JPMCB. Under the Fair Credit Reporting Act ( FCRA ), you have a duty to ensure the accuracy, integrity, and completeness of the information reported by the credit reporting agencies.

I request that you investigate the accuracy of the information reported and provide verification of the following : 1. Date of First Delinquency Please provide the exact date on which my account first became delinquent with the above-listed entities.

2. Date of Last Payment Please confirm the date of the last payment made on this account.

3. Date of charge-off- Please confirm the date of charge off.

4. Complete Terms and Agreement I request a copy of the full terms and agreement of the contract associated with this account, including any signed documents that outline the original contractual obligations.

Additionally, I request copies of any records or documents that support the reporting of this account, including any notices sent regarding the charge-offs. If any of the reported information is inaccurate or unverifiable, I expect its immediate removal from my credit report.

Please consider this letter a formal request for information, and I require a response within 15 days from the date of this letter. Failure to respond within this time frame may result in further action to enforce my rights under the law.

You may send the requested information to the address listed above. If you require any additional details from me to process this request, please contact me promptly.

Thank you for your time and cooperation.
Product: Debt collection

I have on my credit report on all 3 CFA 's a collection amount of {$7600.00} from XXXX XXXX. They claim they are collecting from a debt they purchased from XXXX XXXX, the debt from what I understand originated XX/XX/XXXX with XXXX and Midland took it over XX/XX/XXXX. I have never had business with XXXX and they do not show on any of my credit reports from the 3 CFA 's. I have disputed this claim since XX/XX/XXXX. My dispute was based on one : I have never had business with XXXX and secondly from doing some digging it appears this account was opened in XXXX XXXX at an address of XXXX XXXX XXXX XXXX. XXXX XXXX which I have also disputed with the 3 CFA 's because I have been living at my current address in Maryland since XX/XX/XXXX. It appears Midland continues to ignore my disputes and I have never received any documentation with signatures or anything regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Mortgage

For the past several years, we have fought for our home against OCWEN. They would take payments, place them in a side account only to stop accepting payments and send us to foreclosure. Finally, I was advused to take chapter XXXX  bankruptcy to save my home. Well, OCWEN once again, did n't report the negative escrow account until many months after confirmation. When they did finally report, the trustee wanted the bankruptcy dismissed. OCWEN has made errors in escrow account and will not correct. I was told to bring negative escrow and all payments up to date and the payment will return to normal and the bankruptcy will be dismissed. That info was courtesy of OCWEN in XXXX call center. Now OCWEN in US is telling me even if I complete the bankruptcy and all payments are caught up, the house is theirs and I will be evicted. I can afford my house. We have equity in the house. We have lived here for 20 years. They clearly want my home. They have destroyed my credit. Everyone I talk to about refinance says " I am sorry, but they are horrible. '' They can not help after what OCWEN has done. What can I do? Who can help? What is the truth? I know I am not alone. I never received a letter about the lawsuit against them or would have joined and lead the way. Please help me save my home of 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am shocked and upset about the erroneous things I have seen in my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. 

I contacted the XXXX, equifax and XXXX on XX/XX/XXXX regarding these inaccurate accounts. They have been no help to me.