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

I noticed a huge drop in my credit score in XX/XX/2020 from XXXX through my bank. I signed into XXXX and noticed a delinquent account with the original creditor " XXXX  '' and the debt collection agency " Receivables Performance '' with the address XXXX XXXX XXXX XXXX XXXX, WA XXXX and phone number ( XXXX ) XXXX. The outstanding balance is {$1000.00}. I have never had services from " XXXX  ''. I filed a dispute through XXXX on XX/XX/2020 and on XX/XX/2020 XXXX closed the case " verifying the information as accurate ''. On XX/XX/2020 I re-filed the same dispute through XXXX. On XX/XX/2020 I signed up for an account through XXXX and noticed the delinquent account is not on that credit report and my score remains in tact. I did a search on " Receivables Performance '' and noticed that the company 's website does not have a secure web connection ( no httpS ). I read reviews on the company that others have had similar experiences with fraudulent debt collecting claims usually generated from TV or phone providers ( XXXX, XXXX, XXXX, XXXX ). Therefore I did not take action to call the company directly to prevent them from making a connection to my personal phone number and to avoid solicitation of my personal information.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email from PayPal stating that I " can no longer do business with PayPal '' because I violated the acceptable use policy and my account ( XXXX ) was locked. Furthermore, they stated that they are holding my balance for 180 days. I currently have {$55000.00} in my account at this time and can not transfer to my bank or access my funds at all. I attempted to contact them through several channels including calling them, emailing, and writing a letter. 7 representative refused to tell what I did to violate their acceptable use policy. In response to the letter that requested they state the specific reason for the ban, they again refused to provide and explanation. I have yet to receive any indication as to what exactly I did to result in this ban and the only information I received was that it was a " backroom decision. ''
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the XXXX data breach. The account does not belong to me and I have no knowledge of this account.15usc1681b.
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX XXXX XXXX are not maintaining reasonable procedures.
Product: Checking or savings account

A collections attorney has frozen funds in my CD account at Key Bank.   They obtained a judgment against me without proper service and I am in the process of having that reversed.   The debt came from unpaid bills from my previous employer that went bankrupt. I was not a owner in that company but I signed the checks. The collections company did not have success going after the bankrupt company thus they came after me.   When I received notice that Key bank has been instructed to freeze funds, I called the owner of the food supplier and questioned why he did this since he knew I was not a principle of the company that owes him. I told him that they froze approx. {$30000.00} and I do not have that money in my savings account. He contacted me the next day via text message that I lied and I have {$200000.00} in my account. That  XXXX  is my investment CD not savings yet how does the collection agency and their client know that I have $  XXXX  in my Key Bank CD?   I called  Key  Bank and they would not discuss the situation with me thus I have chose to file a complaint about my bank and how my personal info was given to the collections agency?
Product: Mortgage

We paid an application fee of {$500.00} to start the process. This was not credited to us at closing even though we provided documentation that we had paid for this fee. I have made multiple attempts to contact Amerisave for refund with minimal to no responses. Since this was a purchase transaction I was limited in delaying a closing for fear we may loose the property. The Loan Officer never returned my calls about this, and the closer said they could not do anything about it even though i provided evidence we paid for the fee.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX To : Customer Advocate Services Team American Express XXXX XXXX XXXX, XXXX XXXX XXXX, UT CFPB Ref No : XXXX Ref : XXXX XX/XX/2019 American Express To whom it may concern : Im appreciate to your respond on XX/XX/2019. but I still dont understanding your explanation, As your advertisement : Earn {$150.00} back after you spend {$1000.00} or more in purchases with your new Card within the the the first 3 month of Card Membership, you will receive the cash back in the form of a statement credit, This is my first time to applied for American Express Cash MagnetCard , would you provide any evidence for I have broken your rules and cause to ineligible for the welcome offer? 

Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX   XXXX and XXXX/XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase at XXXX XXXX for {$100.00} using a SANTANDER Mastercard. This was my second purchase, the first one was all good and delivered to my home in XXXX XXXX, NY. This one was NEVER DELIVERED to me. XXXX tracking confirmed it was delivered to a 'Front Desk ' in XXXX NY XXXX 

I contacted Support at XXXX, and exchanged several emails with a XXXX. She tried to turn it around on me, insisting that I chosen and 'Access Point ' as an option. Complete XXXX  as my confirmation shows 'Home Delivery ', and their Home page also brag Home Delivery. She said that the product will be returned to them and then they will issue a refund.

Two months later nothing happened and in the mean time I twice asked Santander back to issue a charge back and credit the funds to me. Santander responds that the claim was denied, to contact the merchant and washed their hands off. I pointed out the clause in their conditions outlining that I should not have to pay for an online purchase with a cc. They told me that it was my problem now.
Product: Credit reporting or other personal consumer reports

This company continues to harass me. They have called members of my family and me to harass us about a debt I do not owe. 

It started on XX/XX/year>, when IQ DATA INTERNATIONAL IN reported to my credit report that I owe {$2900.00}. They have called members of my family and me to harass us about this debt. They were told multiple times to never call or contact directly, everything must be done through my lawyers. They ignore this and continue to harass me. This month they send a letter directly to my house as a continued measure of harassment. Seriously, stop harassing me and contact my lawyers : XXXX XXXX and XXXX XXXX in XXXX, Ak. I have legal insurance and I will be happy to litigate against you in court at no cost to myself. You will never ever get money from me because this is fraudulent. Let 's see what a judge thinks about your harassment after being told to never contact me and to only contact my lawyers. You are violating my rights as a consumer and I will be happy to make you financially pay for your actions. REMOVE THIS FROM MY CREDIT REPORT, NOW.
Product: Money transfer, virtual currency, or money service

I would try to send money via zelle it would say pending, the recipient would never get it but then the next day the money was not in my account. This happened on XXXX occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Covid I requested and was granted an extension on payments however they would only grant or approve 6 months. Unfortunately I was without income for 14mos. However, when I requested more time PER THE CARES ACT GUIDELINES, US Bank denied the request. Instead they reported me for 4 late payments. I WAS paying but due to being without income they were not on time. I disputed this within US Bank and they denied the internal dispute. I believe US Bank completely ignored the Federal Guidelines set forth in the Cares Act guidelines.
Product: Debt collection

This doesn't have a place with me with these specialists/leasers. I attempted to reach them a few times and request evidence of proprietorship yet they neglected to send me the fundamental documentation to demonstrate that I actually own this record.
Product: Money transfer, virtual currency, or money service

I went to every Coinbase help page I could find, and they all said they were overloaded with high traffic. All I really got access to was a a long list of FAQs. I sold {$2200.00} worth of Bitcoin on Coinbase, on XX/XX/XXXX, it was converted to USD. I am now trying to withdraw that amount into my linked bank account, and when I try to, I get a pop-up stating that my balance is {$0.00}. I understand there may be a waiting period for money to clear ; however, I use a Mastercard debit for my withdraw, this carries a higher fee, and is supposed to be " instant '' ... So perhaps you can understand my frustration. Every time I went to a " help '' section of the app, I was just redirected to a site full of FAQs, and the high traffic disclaimer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX **XX/XX/XXXX** **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX # # # **Subject : Dispute of Incorrect Late Payments on Secured Credit Card Account** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the incorrect late payment entries on my credit reports from TransUnion and XXXX for my secured credit card account ( Account # XXXX XXXX ). These entries are not accurate and have negatively impacted my credit score. 

**Details of the disputed information : ** - **Account Number** : XXXX - **Account Type** : Revolving - **Account Status** : Open - **Monthly Payment** : {$9.00} - **Date Opened** : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - **Balance** : {$360.00} - **Credit Limit** : {$470.00} - **Past Due** : {$0.00} - **Payment Status** : Current - **Last Reported** : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - **Date of Last Payment** : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) # # # **Discrepancies in Payment History : ** # # # # **TransUnion : ** - **Late Payments** : 60 days XXXX XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) # # # # **XX/XX/XXXX : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) These late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. The credit reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed.

# # # **Action Requested : ** 1. **Investigation and Correction** : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion and XXXX update my credit report to reflect accurate payment history.

2. **Notification** : Please notify me once the corrections have been made. 

Enclosed are copies of my credit reports from TransUnion and XXXX highlighting the disputed entries, as well as documentation proving my timely payments for the disputed months. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions Experian did not do a thorough investigation and refused to and disregard my disputes and demands to take XXXX XXXX XXXX XXXX and XXXX XXXX off my credit report. They are in violation of FCRA ... You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY TRANS UNION CREDIT REPORT I WAS MISSING PAYMENT HISTORY FOR XX/XX/XXXX AND XX/XX/XXXX AND THE BALANCE WAS NOT REPORTING CORRECTLY. I TALKED TO XXXX FROM XXXX XXXX ABOUT THIS ISSUE AGAIN AND SHE STATES THAT THEY HAVE UPDATED MY CREDIT REPORT ACCURATLY EACH MONTH AND IF I WAS MISSING OR MY ACCOUNT IS NOT UPDATED IS TO DISPUTED WITH THE CREDIT BUREAU. SO I PUT IN A DISPUTE ONLINE AT TRANS UNION TO GET MY CREDIT REPORT UPDATED CORRECTLY. ON XX/XX/XXXX. I RECEIVE THE RESULTS BACK ON XX/XX/XXXX AND ONCE I RECEIVE IT BACK THE ACCOUNT WAS DELETE IT OFF OF MY CREDIT REPORT. THIS ACCOUNT SHOULD HAVE NOT BEEN DELETE IT AT ALL IT NEEDED TO BE UPDATED. I HAVE MADE PAYMENT ON THIS ACCOUNT FROM XX/XX/XXXX TILL XX/XX/XXXX AND THIS ACCOUNT NEEDS TO BE PUT BACK ON AS FOLLOW. I REACH OUT TO CREDIT ACCEPTANCE ABOUT THIS AND THEY SAID THIS ACCOUNT IS OPEN ACCOUNT. SO I WANT TRANS UNION TO GET IN TOUCH WITH CREDIT ACCEPTANCE IN GETTING THIS ACCOUNT UPDATED CORRECTLY AND PUT BACK ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it's crucial to ensure that consumer reporting agencies uphold their duties with fairness, impartiality, and respect for consumers ' privacy rights. XXXX and XXXX, being consumer reporting agencies, must adhere to these principles. As a consumer, I assert my right to safeguard my private information, as reinforced by 15 USC 6801, which emphasizes financial institutions ' obligation to respect customer privacy.

According to 15 USC 1681, section 604a ( 2 ), consumer reporting agencies may only furnish consumer reports with the explicit, written consent of the concerned consumer. Neither the financial institution nor XXXX and XXXX have obtained my consent to share this information, revoking any implied or otherwise assumed consent. Moreover, 15 USC 6802 ( b ) ( c ) dictates that financial institutions must inform consumers of their right to opt out of information disclosure to third parties, a requirement not fulfilled in this case.

Furthermore, 15 USC 1681C ( a ) ( 5 ) strictly prohibits consumer reporting agencies from including adverse information in consumer reports without authorization, which is being violated here. The account name, AFFIRM INC, with the account status of paid and closed, is being reported without my consent, which is against the law. Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, XXXX and XXXX are obligated to maintain accurate information and reasonable procedures to prevent violations, which they are failing to do. 

In accordance with 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services.
Product: Debt collection

How are you my name is XXXX XXXX I am trying to dispute this information in regards to exititor finance which I applied for a car loan and I received a loan however I went on my XXXX XXXX  credit report and saw that exit or sold my account to another company which I was not aware of and from my understanding I am upset because how can they say on my account with a number company and I didnt provide the company my information for her Social Security number phone number and address its like selling myself which I can not be sold so I think that is very wrong to do that without contacting me to let them know that they are selling my account to another lender again which I have no knowledge of this lender and again Exitir so theyre basically my social birthdate and address which I didnt give that company my information
Product: Bank account or service

Last year I set up an automatic ACH payment with a vendor ( XXXX XXXX XXXX ) to be made to my bank ( Discover Bank ). I recently cancelled the service with the vendor. I requested that the vendor cancel the automatic withdrawals. I advised my bank NOT to honor any further ACH payment requests from this vendor. However, in spite of my written and verbal requests, the bank continues to honor these unauthorized ACH payment requests and continue to pay the vendor long after the service has been cancelled. I have repeatedly requested that the bank stop and they refuse to do so. I am not concerned about PAST payments - that money is gone, but I would appreciate if they would STOP payments in the future. This should not be that difficult to do.
Product: Checking or savings account

I had a debit transaction for XXXX on XX/XX/year> that we did not authorize. I went to Ameris Bank in XXXX, Ga once we made the discovery and sat down with XXXX the bank representative to make a fraud report. As if XX/XX/year> we still have not been contacted by any fraud department and the bank asked us for an additional XXXX weeks before they will return any money that was fraudulent taken. We have no case number or anything. The bank does not want to insure the money we lost in my account.
Product: Checking or savings account

I worked a whole week waiting for pay day and was paid with a fraudulent check
Product: Credit reporting or other personal consumer reports

FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 2016 ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : XXXX/mypoints reward ( 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 reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$4400.00} on the XXXX/XXXX  XXXX   XXXX XXXX partial account number XXXX. ( Please see page 29 of the attached credit report. ) This account is over ( 7 ) years old from the of last activity and reporting this is a violation of the Fair Credit Report Act. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have been unsuccessful.