23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Comenity agreed to credit my late fee last month, for both of my credit cards ( XXXX - bread cash back ) and NFL Visa. The credits were issued. The following month, they REVERSED the credits because I was late again. I called in and was told that because I was late, they REVERSED the late fees that they had previously credited me. I was NEVER told that if I wasn't on time the following month, fees credits would be REVERSED and RECHARGED. This is manipulative, predatory, and deceitful.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Huntington National Bank regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 
On XX/XX/XXXX, I notified Huntington National Bank that I am opting out of all authorizations, whether written, unwritten, verbal, or nonverbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have a reason to believe Huntington National Bank has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, or other financial harm.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Huntington National Bank complies with all federal regulations and XXXX, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Huntington National Bank. 
Please feel free to contact me at XXXXXXXX XXXX XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Product: Debt collection

I have received XXXX voice mail messages over the past couple of days. They were automated and difficult to understand. I basically heard part of my name and they said it was an urgent matter regarding my social security number. I do n't have any accounts in collection so I assumed it was the wrong number. Today I received a message from " XXXX '' from MSK & Associates Mediation. He said my social security number, name, and XXXX were involved in a " concerning matter ''. They also said they attempted to contact me at my home address which is not true. They are threatening to get a warrant for my arrest and contact my place of employment and/or immediate relatives. This concerns me because I do n't know what " debt '' they are referring to and I am worried that they have my SSN and other information. The contact number is XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

In XXXX and XXXX of XXXX, I have had over {$1000.00} leeched from my account. Each one of the funds had been a deposit made by my grandmother who was unaware that my account was inactive at the time, but had been used maliciously by an unauthorized user. I'm learning of this information, I logged in to find out that every single deposit was promptly siphoned out of the account, changing my email and password immediately. I opened up a claim with PayPal the day after, which they had denied every single one of my claims for every transaction that was actually unauthorized. I spoke with representative several times on the phone, which had told me of an unauthorized login and a different device that was used during these transactions. PayPal has failed to provide proof of their investigation, and they're only claim is that it is consistent with my history which there is none. I can choose to not use my PayPal account at any time, as I have done before in the past. Every single time, I have dissatisfaction with PayPal as they do not have any kind of customer reimbursement, a timely process for their claims, only to be denied with no evidence or real reason why other than what PayPal claims. They have even said to disregard what any representative has told me, in favor of them not reimbursing me. This entire year of XXXX has been a back and forth with paypal, with them giving me a canned response of it somehow being congruent with my history. The card that was attached to my account was never used previously before the unauthorized logins, nor was it added before these unauthorized logins. They have failed to be responsible for any real investigation other than to deny me of money that was wrongfully stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent : XXXX XXXX XXXX - {$200.00} XXXX XXXX - {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX ,
Product: Credit reporting

There are XXXX Inquiries on my Equifax Credit File ( XXXX, XXXX, XXXX, XXXX and XXXX ) that I did not apply for and when I contacted them about it they ignored me. This has been going on since late XXXX. 
Also they were suppose to delete a fraudulent collection from XXXX and XXXX that they refuse to delete as well as provide me with any information on. I contacted the creditors for these XXXX inquiries as well as XXXX and XXXX and received no response. It has been more than XXXX days on both the inquiry removal request and the false collection removal request, I sent Equifax the proof of both disputes and nothing was done. I will be contacting the GA Attorney General and filing a lawsuit against Equifax if this matter is resolved immediately!!!
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I am writing to appeal the permanent limitation placed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation is the result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

I have been a loyal PayPal user for an extended period, consistently adhering to PayPal 's terms and conditions. Maintaining a positive and trustworthy relationship with PayPal is of utmost importance to me, and I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request that PayPal conducts a comprehensive reevaluation of my case, carefully examining the circumstances surrounding the permanent limitation of my account. I am confident that this review will uncover an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only relieve my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I greatly appreciate your prompt attention to this matter and kindly ask that you initiate the review process expeditiously. If there are specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I made a payment on my XXXX XXXX credit card on XX/XX/18 for the current balance. On XX/XX/18 the automatic payment drafted resulting in a double charge on my account. There was no notification when I made my payment that it would result in the automatic payment still being collected. I called to request a refund and was told they can only issue me a check for the overcharge and it would arrive in 5-15 days. I inquired whether they could just refund the payment and they declined. I find it absolutely unacceptable that they would double charge my account without notification -- effectively stealing from me. To wait 5-15 days to get my money back is absurd, it should have be rectified immediately.
Product: Credit reporting

I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between XXXX ( XXXX ), XXXX ( XXXX ), and XXXX XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Information - Request for Validation Account # : XXXX Dear Sir/Madam, I am writing to formally dispute inaccurate information reported on my credit report with both TransUnion and XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification and validation of the reported information. The account in question is listed as follows : Account Details : Account Number : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Closed Monthly Payment : {$54.00} Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Balance : {$770.00} No. of Months ( terms ) : XXXX High Credit : {$770.00} Credit Limit : {$300.00} Past Due : {$80.00} Payment Status : Late 60 Days Last Reported : XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber Date Last Active : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Date of Last Payment : XX/XX/XXXX Two-Year Payment History : | Month | XX/XX/XXXX | XX/XX/XXXX | XXXX XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/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 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  TransUnion | | XXXX | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | | XXXX | XXXX | XXXX | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | According to the FCRA, Section 611 ( 15 U.S.C. 1681i ), I am requesting that you provide me with the following : Validation of the Account : Detailed verification from the original creditor regarding the accuracy of the reported information. 

Verification of the Reporting : Proof that the account was reported accurately and in compliance with the FCRA. 

Deletion of Inaccurate Information : If the information can not be validated, I request that it be removed from my credit report immediately. 

Please conduct a thorough investigation of this disputed information and provide me with the results within the 30-day timeframe mandated by the FCRA. 

Enclosed, you will find a copy of my credit report highlighting the disputed account for your reference.
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 XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$26000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$5100.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX XXXX {$6200.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} XX/XX/XXXX ~ XXXX XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$810.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$1100.00} These accounts have violated my rights. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 reporting, credit repair services, or other personal consumer reports

I believe I was a victim of the Equifax security breach. I believe someone used information from my Equifax credit report to apply for and open several bank accounts. They also were able to obtain my banking information and were able to obtain an card linked to my money market savings account. The used this card to charge over {$10000.00} in international charges and transferred over {$4000.00} to an international account. Also, a Change Of Address form was initiated with the USPS.
Product: Student loan

XX/XX/year> I tried to pay off two student loans XX/XX/year> I found out the loans were reversed XX/XX/year> I called customer service and was informed that I miskeyed the bank information. My payment information is stored on my phone to prevent this very thing. 

XX/XX/year> I reposted the payment and as of XX/XX/year> the payments have not posted.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act PORTFOLIO RECOVERY ASSOCIATES 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. PROVE THAT THESE ARE MY ACCOUNTS SINCE NO PERMISSION WAS GRANTED
Product: Debt collection

Debt Collection Company is not licensed in my state of residence. I request that alleged debt be removed from my credit report to all XXXX credit bureaus.
Product: Credit card or prepaid card

XX/XX/23 received email about stating my phone # for Chime had been changed. 
Sent email back stating I did not have an account with them and did not want one. 
XX/XX/23 received a new email stating it would be closed. 
XX/XX/23 received XXXX Debit card in the mail, routing # XXXX account XXXX. 

I'm glad I received it and not someone else.
Product: Credit reporting or other personal consumer reports

This account was charged of on the following date ( XXXX, XXXX  ) Since then the account has repeatedly been updated as charged off for 7 months straight. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information false manipulates the statue of limitations. You failed to investigate this account properly and you neglect has violated my rights. I'm am demanding a deletion of the following account. I have also contacted this credit agency regarding to this account also being fraudulently open in my name and also sent police report regarding the matter. I am demanding deletion on the following account. 
XXXX XXXX - Card ending XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX credit card is lost/stolen, and has fraudulent transactions on the account # : XXXX.
Product: Debt collection

XXXX XXXX XXXX WHO IS A DEBT BUYER IS REPORTING A ALLEGED DEBT THAT I DO NOT OWE THEM, I HAVE NO CONTRACT EXIST THAT I OWED SUCH ALLEGED DEBT. THIS INACCURATE REPORTING IN MY CONSUMER CREDIT REPORT HAS HARMED AND DENIED ME FROM OBTAINING CREDIT AND PREFERRED RENTAL UNIT. 
XXXX XXXX XXXX works with its affiliate, XXXX XXXX XXXX ( XXXX ), to service accounts.
Product: Debt collection

I made a settlement with a debt collection agency. I paid them the agreed amount, registered mail the day after the agreement. They got their money. They have had my payment for months which should have closed my account and been put on my credit as paid. However I call and they say I still owe the difference of our agreed amount. I have talked with many managers who tell me they will manually fix my account. I have called this agency over XXXX times and always i get the same excuse or some new reason as to why they have n't closed out my account. I am a single mom with no job I need my credit fixed so I can move. I call them at least XXXX a week and they say, our manage has to approve this before we can close your account as paid. I spoke with various " managers '' and I was told two weeks ago that within 4 days my account would be marked as paid and closed. That I would receive a letter in the mail that it was paid. I have not got a letter yet so I called them again today. They told me that someone canceled my request to have my account closed and that I still owed the balance of the difference. We settled upon XXXX a difference of XXXX of my original credit debt. I sent them the money order within a week and still they keep lying to me. I get different excuses every time I call. Please I just need help in getting this account closed. I paid them their money.
Product: Checking or savings account

There's a total of 7 unauthorized transactions I disputed with Bank of the West ( recently joined BMO ), totalling {$1200.00}. The first transaction was made on XX/XX/XXXX and was in the amount of {$45.00}. On XX/XX/XXXX there were three more transactions. Those were in the amounts of {$100.00}, {$100.00}, and {$300.00}. Yet again, on XX/XX/XXXX there were three more transactions for {$500.00}, {$85.00}, and XXXX. All of these transactions are from the same merchant that I have never purchased from or used or been to their property ( XXXX XXXX  ), they tried telling me that it was me or someone authorized to use my card when I specifically told them my card was stolen and nobody had access to my pin. I have no idea how someone would do that but my best guess was a card shimmer ( I did some research to see what could've happened ). I had to borrow money to pay my rent because my money was taken. Right before the XXXX of XXXX. I already tried to get my money back from Bank of the West, but they denied my request and said I wouldn't get any money back at all. Thank you to whoever is reading this, I truly do appreciate everything.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed that the account from XXXX XXXX XXXX is being reported as a repossession. There is no deficiency balance, this account has been paid as agreed and reporting this information is inaccurate. I have reached out to all 3 credit bureaus to have this information corrected with no formal response.

This information being reported to my consumer report is in violation of 15 USC 1681.

I have the right to privacy and have not given written consent for this misinformation to be reported.

Furnishing my transactions and experience are violating my consumer rights. But most importantly each company has the responsibility of reporting maximum accuracy and not doing so is also in violation.
Product: Debt collection

I requested validation of this debt and was completely ignored. I had two insurances : a private PPO and I am a XXXX Veteran and VA picked up the remaining debt as I am service connected. I have no idea how I can have all of this insurance and still have a medical debt. I wrote the original creditor and Progressive and asked for an itemization and received absolutely no response except to have it placed on my credit report. No itemized bill no written response nothing. This is a violation of FCRA Section 623, FCRA Section 611 Part ( A ) ( 1 ), FDCPA Section 809 ( b ) and FTC opinion Letter Cass from XXXX.