23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Good morning CFPB Personnel, 01. I believe my account has been compromised. 

02. If going through my past transactions, I 've never spent so much in one place nor do I shop at any place like this. 

03. The support document that was obtained from the Merchant was not my signature. 

04. Does the card match the store account records? 

Anything could have happened when dealing with fraudulent activities. I was told by American Express Associates in the past to let pending transaction go through before advising a dispute. So that is what I went by. Also I 've since asked for a replacement card.
Product: Debt collection

They call repeated using different phone numbers and hang up. I am up to dated on all bills. When I call back I have told them numerous times to stop calling but they wo n't.
Product: Money transfer, virtual currency, or money service

Fiserv is a service provider for XXXX XXXX. I have a checking account at XXXX XXXX. I have a separate checking account at another institution called XXXX XXXX XXXX. I am a named account holder on both accounts involved. Using XXXX XXXX  's bill pay system, there were scheduled transfers from the XXXX XXXX XXXX Account, to the XXXX XXXX  account. This was to make paying a mortgage held by XXXX XXXX  easier. On XX/XX/XXXX, I closed the XXXX XXXX  checking account via phone. On XX/XX/XXXX, after the XXXX XXXX  account was closed, Fiserv debited my XXXX XXXX XXXX {$2000.00} to transfer to the now closed bank account at XXXX XXXX. As this account was closed, XXXX XXXX  has no record of this money being transferred, as there was no account to transfer it to. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX who told me to dispute the transaction via their online account management which I subsequently did. The money was posted back to the XXXX XXXX XXXX account as a return on XX/XX/XXXX. On XX/XX/XXXX, I received an email from Fiserv ( and subsequently a letter in the mail, also dated XX/XX/XXXX from Fiserv ) indicating they were attempting to collect on a debt for {$2000.00}. On XX/XX/XXXX I called the listed number on this letter and after explaining the situation that Fiserv did not credit {$2000.00} to my XXXX XXXX  Account ( because the account is closed ), they could not debit {$2000.00} from the XXXX XXXX XXXX account and thus it was disputed. I was continually told by the representative I owe {$2000.00} to Fiserv ( even though Fiserv did not pay this {$2000.00} to anyone, because there was no open account to deposit to ). I was then told that the debt was sent to a collection agency because I refused to pay. They refused to tell me what account the money was supposedly transferred to and offered no further recourse other than to pay or go to collections. I have all the documents indicating that I am the account holder on both ends of this supposed transaction and that no money was ever credited to an account by Fiserv, only debited ( and subsequently disputed ). So I am being sent to collections for a debt that is not owed to anyone, and there is no missing money. I was offered no recourse other than collections by Fiserv, and was notified by their representative of being sent to collection on XX/XX/XXXX, only 10 days after their initial notification via mail/email and only 28 days after they originally attempted to debit the money that they didn't credit anywhere, which is verified by both XXXX XXXX XXXX and XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are all reporting information on my credit report illegally. 

According to 15 US CODE 1681a the consumer report DOES NOT INCLUDE : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Experian, XXXX, XXXX are reporting late payments on my credit that I never had and should never be recorded ANYWAY if I did have them. 

Account - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX The late payments recorded for XXXX and XXXX of XXXX NEED UPDATED IMMEDIATLEY to CURRENT so it will stop damaging me financially and mentally. 

Account - XXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX the late payments recorded for XXXX and XXXX of XXXX NEED UPDATED IMMEDIATLEY TO CURRENT They are also reporting the transaction and experience I had with XXXX XXXX XXXX date opened XX/XX/XXXX I NEVER GAVE WRITTEN CONSENT TO REPORT THIS ACCOUNT TO THE 3rd PARTY CREDIT REPORTING AGENCIES. I NEED THIS REMOVED IMMEDIATLEY. 

They are also reporting the transaction and experience i had with XXXX XXXX opened on XX/XX/XXXX I NEVER gave XXXX written authorization to communicate my private and personal info to the credit reporting AGENCIES.
Product: Bank account or service

I subscribe to overdraft protection from PNC Bank, but even with this they charge a {$5.00} fee if it is used. On XXXX/XXXX/15, in the evening, I noticed that a few purchases I made ( but did n't post yet ) placed me at - {$46.00}. Knowing of the {$5.00} fee that is assessed, I transferred all {$300.00} from my savings to my checking Sunday night. Apparently, later that evening or Monday morning the overdraft protection transferred {$46.00} to checking. But, since that money was already transferred - by me - my savings reflected a - {$46.00} balance. 
I did n't realize this until today when I also noticed, for the last XXXX days ( and it would have continued had I not transferred money ) that PNC was charding me {$7.00} a day ( my balance in savings as of this morning was - {$60.00}. 
How can they charge me for a situation they created? Why would their system allow a transfer from an account that had {$0.00}. I feel it is unfair and a complete money grab.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my crea standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy Congress makes it clear that a consumer has a right to privacy. 

15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I DID NOT GIVE ANY WRITTEN INSTRUCTION TO PUT THIS ON MY CONSUMER REPORT.
Product: Checking or savings account

My account has been shut down numerous times and now permanetly and this has been going on for over 3 weeks. I need my money to pay my bills utilities etc Iam in my winter home out of the country and Cant even buy food. now they keep giving me excuse why they will not send me my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters to Transunion over 2 months ago ( XX/XX/XXXX ) advising them that they were in violation of my HIPPA rights regarding reporting the following amount on my credit report since XXXX of XXXX : {$290.00} / XXXX XXXX XXXX XXXX XXXX. They have not replied to me or removed items from my credit report
Product: Credit reporting or other personal consumer reports

I had a hearing XX/XX/year> with XXXX  XXXX and they agreed to close and discontinued. XXXX XXXX XXXX now has the debt and they've provided the information stating the statue of limitations has expired. 

They can't sue or continue to collect. This matter has been close and discontinued by the original creditor XX/XX/year>. 

I've reached out to experian and XXXX to research this matter because this not being handle correctly. XXXXXXXX XXXX XXXX XXXX on my credit as a collection and it's affecting my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$3200.00} on XX/XX/XXXX This IS NOT my account, I was added onto this account and had no knowledge, also I've been requesting to be removed from this account since I first noticed being on it in XXXX
Product: Credit reporting or other personal consumer reports

On ( XX/XX/2024 ) I sent an Identity theft letter to ( XXXX XXXX XXXX, XXXX, FIRST CHOICEXXXX XXXX ). I have not received a response nor has ( ( XXXX XXXX XXXXXXXX, XXXX, FIRST CHOICE/XXXX XXXX ) complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XXXX XXXX and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and request made by the consumer. ( ( XXXX  XXXX XXXX, XXXX, FIRST CHOICEXXXX XXXX ) have not made one call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Product: Payday loan, title loan, or personal loan

My loan is past due, as a result I receive daily collections calls via auto dialer. I have provided cell consent, however I have not provided direction or authorization for Upgrade to leave voicemails or voice messages on my number ( XXXX ). Per NC state law, creditors are restricted from leaving voice messages to debtors with an address that resides in North Carolina. Its important that my rights as a consumer remain intact as it relates to Federal and State protections, laws and statutes. 

Additionally, I have requested during multiple contacts with Upgrade to establish hardship and request assistance or resources and I was advised there was no assistance available because I called within XXXX  day of my next due date. The agent was unable to advise what assistance was available if I did call back. Since then I just received excessive auto dialed calls and illegal voicemails.
Product: Credit card

The XXXX XXXX bank raised my monthly payment and keep calling XXXX times insisting to make a payment that is no past due and they giving me an amount that was never reflected on the bills and they charging me for late fees that they removed because XXXX of the payments I made before the due date could not be processed then after that happened I made the payment but now they charging me for an amount that has been never reflected on the bill or never was provided from the representative I spoke with over the phone and they never provided me the amount they telling me now that I have to pay for my next payment.
Product: Mortgage

Called to inquire about my balance. During that process, I was told my payments will increase by XXXX XXXX next month. I was also informed that they are providing forced place insurance because my insurance was cancelled. FNB did not pay my homeowners insurance that was due XXXX  and they are subsequently charging me triple the amount for forced place insurance. They are self insured so the premium is going to FNB. And this only insured the loan but does not provide me with insurance for the structure and contents of my home. FNB states that they never received and invoice from my homeowners insurance company. The insurance company states that an attempt was made by FNB to pay the invoice XX/XX/XXXX, however insurance company declined because payment was more than 50 days late. I just became aware of the is on XXXX FNB states that I received this information, however, I do not recall receiving any of this information. There is also a discrepancy of when my mortgage payments are being received. Seems to be just after the date that then causes a late charge to be assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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  this is false information no evection took place!!!!!
Product: Money transfer, virtual currency, or money service

I would like to file a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take measures to prevent and address fraud issues on their platform, leaving my account vulnerable and unprotected. Cash App did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma said I was pre-approved for credit card. Denied me when I applied and hurt my credit
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from the credit card company about a pass due amount on the credit card. I contacted the company to dispute a charge that was not authorized. The credit card company removed the charge and sent information to the XXXX credit reporting agencies. I also filed a dispute with the XXXX agencies. As of today, I am still receiving damaging information about my credit file at Experian. This negative information is affecting my ability to get credit. The other XXXX agencies have resolved this issue. 

i have attempted to reach them o discuss and it is impossible to speak with anyone. The automated system is horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have seen my credit score drop a lot due to XXXX XXXX XXXX I have no knowledge of this account being opened nor do I have a credit card that they claim that I should have. No one from this company has personally reach out to me via email or phone. I've been told to file a complaint/report and save it as a XXXX  to get this problem fixed within the company.
Product: Credit reporting or other personal consumer reports

I was recently XXXX in a remote location where I had no access to the internet and was unable to make a payment. 

I reached out to the company and was provided an email and no other way to explain the situation. Since that time I have paid in full the credit card and have a XXXX balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX Account # XXXX open XX/XX/year> reported on all 3 credit bureau 's Experian, XXXX, and XXXX without my knowledge or approval. I've sent letters and made calls to the company and disputes to all 3 credit bureau 's about this account and they have not done the proper research to remove this account from my credit report. This is not my account.
Product: Debt collection

This debt was opened well over 7 years ago. The original determination was grand review resort. I never used the property and end up giving back the property. I was charged a maintenance fee twice even though I had thr property for six months. The debt should be removed from my account because the company is trying to get more money from me after there property was already returned. I want my debt verified.
Product: Mortgage

Applied for home equity line. Completed app over phone. Provided eLending site to verify app and download documents. Instructed by loan office to email PII information to him ( Social Security verification forms ) containing SSN, names, addresses, etc. 
Attempted to contact bank to inform them of unsafe practices. Could not find someone to take action. Redirected to others with no luck. 
They have not implemented processes that safeguard my personal information. I know of others who had issues with identity theft with this bank. Something needs to be done. We canceled the application due to very unsecure practices. They are international.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | Presume that no proof of the alleged debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXXXXXX Balance {$200.00}XXXX XXXX XXXX XXXX balance {$110.00}, XXXX XXXX XXXX  XXXX Balance {$720.00}, Us Dept Ed Balance {$740.00} XXXX Balance {$150.00}, XXXX Balance {$350.00}, Us Department of Edu Balance {$740.00}, XXXX XXXX XXXX {$720.00}, XXXX Balance {$380.00}
Product: Credit reporting or other personal consumer reports

Again I am disputing INQUIRIES!! inquires only!!! I have sent several disputes to equifax and XXXX disputing inquires!!! Neither company will research inquiry disputes ( not tradelines or open accpunts but inquiries ) both companies you can dispute inquiries on your report but then in less than 1 business day they close the review and say all inquires are valid even if fraud. both companies refuse to research hard credit inquires. 
In XXXXXXXX some of my accounts were hacked, was a victim of XXXX and other companies data breaches, accounts were opened in my name that I did not authorize, purchases were made I did not authorized, and credit inquires were performed I did not consent to. I completed police reports, the Ftc ID packet, disputes the charges and accounts opened due to fraud. On XX/XX/year> I started disputing the inquires with the credit bureaus and provided tons of paperwork. On XX/XX/year> Equifax did not even review the attached documents that included police reports and I'd theft packets and said all inquires are valid for 2 years even if from fraud. How can I dispute fraud inquires showing with XXXX and Equifax online, and online it shows I can dispute due to fraud just to have both companies immediately deny this and not look into the claims at all and just state they are valid?
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report today XX/XX/21, I noticed XXXX XXXX & Equifax are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but account was paid.
Product: Credit reporting or other personal consumer reports

Urgent Follow-up on CFPB Case # XXXX - Experian 's Failure to Resolve Disputed Address Dear Consumer Financial Protection Bureau , I am writing to bring to your attention a pressing matter regarding my ongoing dispute with Experian, as documented in CFPB Case # XXXX, which was opened on XX/XX/XXXX XXXX XXXX Despite the passing of the 30-day timeframe since Experian 's response, the erroneous address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX remains on my credit report, and I have not received an update from Experian as promised. 

As previously communicated, I have disputed this inaccurate address on three separate occasions, providing supporting documentation in the form of my driver 's license and utility bill, clearly indicating my accurate address as XXXX XXXX XXXX, XXXX, CA XXXX. The continued presence of this incorrect address on my credit report is not only a violation of the Fair Credit Reporting Act ( FCRA ), but it has also created significant challenges for me, including potential exposure to fraud. 

Experian 's response to the CFPB case acknowledged the dispute and assured me that the concerns were being transferred to their dispute center for reinvestigation as of XX/XX/XXXX. However, the 30-day period for providing results has lapsed as of today, XX/XX/XXXX, and there has been no communication or resolution from Experian. 

I request the Consumer Financial Protection Bureau 's urgent intervention to ensure Experian complies with the FCRA by promptly rectifying this error and removing this address from my report. The inaccuracies on my credit report are adversely affecting my financial standing and, potentially, my susceptibility to fraudulent activities. 

I am not seeking another round of investigation ; rather, I urge the CFPB to enforce the necessary actions to compel Experian to remove the inaccurate address immediately. The persistence of this issue beyond the stipulated timeframe is unacceptable and demands swift resolution.
Product: Credit card or prepaid card

I tried closing the Discover credit card account and they arent allowing for it to close.