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

XXXX XXXX XXXX IS VIOLATING THE FCRA, AND MY RIGHT TO PRIVACY
Product: Debt collection

Hello, I work with a small nonprofit organization who continues to receive calls from Joseph, Mann, and Creed regarding a debt that we have no knowledge about. They say that it 's for " Statutory Representation, '' services from XXXX XXXX XXXX. I 've asked for documentation regarding the representation and they have n't sent me anything. I 've been receiving calls for 4 months now. Please help, thank you!
Product: Credit reporting or other personal consumer reports

Am writing to formally dispute the inclusion of an account on my credit report, as it was established without my knowledge or consent, using my personal information, such as my Social Security number. The circumstances surrounding this account clearly violate consumer protection laws, and I insist on its immediate removal from my credit record.XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX. ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX. ) XXXX XXXX : {$460.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, XXXX # XXXX, # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

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

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of disputed information on my credit report. I have opened a dispute multiple times. As a result, inaccurate or unverifiable accounts remain unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing systemic failures, including not forwarding consumer-provided evidence to furnishers, accepting unreliable responses, and failing to properly notify consumers of dispute outcomes. These issues reflect my own experience, where despite the evidence I provided, Experian has neither corrected nor removed the disputed items, causing continued harm to my credit standing. I request immediate corrective action to either remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Consumer Loan

We leased a vehicle from XXXX in XXXX Colorado with the option to buy. The car was a salvage vehicle. We could not license the car. Not only was it a salvage title the car was in XXXX major accidents and they did not inform us of any of this. When we asked for the car fax they said the computers were not working but assured us that it was a very good vehicle. The car had electrical problems, we drove it back to Iowa for a family emergency and we could not drive the vehicle back to Colorado. After going back in forth with XXXX we came to an agreement. We would get the vehicle fixed and the place of their choice!!!!! We called the repair shop and they would not work with this particular warranty company. They requested we pay the amount to fix the car and then be reimbursed from the warranty company. We were not in the financial position to do this at that time. XXXX agreed to pay us our money back and we would go our separate ways. Instead XXXX from XXXX sent XXXX men to my elderly mothers home to reposes the car after we had already made arrangements. They took the car we had all of our personal items in the vehicle and I have emailed XXXX numerous times asking for our things back with no response. This car dealership is dishonest, corrupt, and take advantage of their customers. They knowingly leased us with the option to buy a salvage vehicle that was in XXXX major accidents.
Product: Bank account or service

I opened a CitiGold Bank Account in XXXX XXXX, 2016 and I opened it because of a promotional sign-up bonus offer from Citibank for XXXX XXXX XXXX AAdvantage points. These were to be placed in XXXX XXXX AAdvantage account XXXX. They are charging me {$30.00} a month for this checking account. 

As a long time Citibank XXXX XXXX AAdvantage Credit card holder, I verified that I was absolutely eligible for the offer and that the promotion code and promotion was attached to my account when I spoke to customer service at phone number XXXX on XXXX/XXXX/2016. Both Citibank and I have an audio recording of this call for quality purposes. 

I completed the terms that required spending {$1000.00}. on my account 's debit card and 1 or more online bill pays for 2 consecutive months. Further, it stated that these XXXX XXXX Advantage points would be put into my account within 90 days. I did everything that was required and they have not given me my points. This is happening to hundreds if not thousands of people and Citibank is not being honest. This bad experience is making me re-examine my banking relationship with Citibank as well as my credit card relationship with Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permission for the companies below to pull my credit report, resulting to inquires.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

Paypal issued me a credit account I did not want or need using deceptive and/or fraudulent practices. As I was using Paypal to make a purchase, the regular series of " clicks '' was changed to trick me into opening a Paypal Credit account. I have since called to cancel the account and pay the balance in full. However, I thought it important to file this complaint because, I fear, tens of thousands of consumers have been ( or will be ) tricked into opening a Paypal credit account.
Product: Debt collection

Repeated phone calls and voicemails all day when I answer they dont say anything but if I call back goes straight to voicemail, contacting family members daily and letting them know I have debt that needs to be paid, been trying to contact XXXX extension XXXX
Product: Money transfers

I am a customer of Bank of America. Whenever I go online and transfer money from my checking account to pay back money I borrowed from the checking account 's credit line, the money is debited immediately from my checking account. However it takes from one to three days for the money to be credited to my credit line. The bank 's customer service reps tell me the delay is caused by " processing. '' What kind of processing could there be? It 's all money under XXXX name in XXXX bank. All the transfers are done on computers. I was also told that transferring money from checking to savings does not require " processing. '' The money is credited immediately to the savings account. I was also told that this is bank policy ; they are not following any government regulations in handling my money. I suspect that the delay in crediting me is a money-making device for the bank. By removing money from my checking account immediately, the bank can reduce the interest it pays me for funds in my checking account. The bank also has use of my money and I do n't. But the third feature is the most significant. By delaying the crediting of my credit line, the bank can continue to charge me 18 percent for the borrowed funds. If you multiply the money the bank makes on this kind of transaction by all the customers who use their credit lines, you are looking at a huge sum. Please look into this for me.
Product: Credit card or prepaid card

I have a US Bank Credit card. Even after making the full payment on time, this bank charged me some Interest charge on XXXX XX/XX/2022 as {$13.00}
Product: Debt collection

myself and my lawyer was told a pay off amount on my mortgage. That amount was paid well in the time allowed check was received by them XX/XX/XXXX. But then we was told that there was more fees added to send more money. The lawyer had sent out a second check that was received by them XX/XX/XXXX with in the 3 day they had returned the first check instead of holing it or applying it to the loan. Then returned the second check. Then it took myself and my lawyer over too weeks to get a new pay off number from them. Within this time they had reported to my credit report a 30 day late which greatly affected my score and is stopping the my from buying my next house.
Product: Checking or savings account

On XX/XX/year> my debit c ardm was used for {$.00}, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX a XXXX XXXX XXXX. This is a transportation company that only operates in California. I have never been to California nor used this company for any service or products. 
When I made the claim it was denied and the agent stated it was because the card was used in person which is physically impossible. 
I was then told it was denied because the claim included a charge from XXXX for XXXX, Which was a mistake and I asked them to remove it several times from the claim. 
They have refused my claim and refuse to reopen it. These fraudulent charges and they refuse to give any assistance. Also there was a charge for XXXX XXXX in XXXX for XXXX the same day. 
This is XXXX customer service. I have spoken to their compliant department several times. even though they admit that they can see it is not my charge they refuse to assist. This is not the first time they have refused assistance with fraudulent charges on my account.
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. I told the XXXX, Transunion, reinvestigate these or delete accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is tha possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to delete accounts that isn't reporting correctly. 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 An other adverse item of information other than records of convictions of crimes which attendant the report by more then several years. 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 if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

In XXXX the original finance company, never had me sign the loan agreement they were supposed to have me sign..the company Wells Fargo has been , acting like they have had a security interest, they never had to this day ......
Product: Credit reporting, credit repair services, or other personal consumer reports

Three years ago my identity was stolen so I had a freeze put on my credit. Now I need to use my credit and I have been trying to call Experian to get the freeze off my credit ; however, I can never get in contact with a person - I only get automated options, which do not fit my needs. I tried to mail this company with all the items requested I send and have yet to receive a response ( over 2 weeks later ). I need to use my credit but can not because this company will not provide a number where I can speak to a person to resolve my issues.
Product: Debt collection

This complaint submission is in regards to a false credit report by TRANSWORLD SYSTEMS INC ( XXXX. XXXX XXXX XXXX, DE XXXX ). I have made attempts to rectify this matter with them directly, but they have now been unresponsive. I spoke with a few representatives by the names of XXXX XXXX, XXXX XXXX, & XXXX XXXX all who gave me different balance amounts. It took over an hour to find the alleged account belonging to me. When I spoke with Supervisor XXXX XXXX, she stated she would fax me all information regarding the alleged dept. I received a fax ; however, it was only for a settlement offer which I did not request. This led me to believe TRANSWORLD SYSTEMS INC is in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. I have no obligations to which they failed to provide any evidence of. I called again and spoke with XXXX XXXX to retrieve a fax number to forward the Management Department a Debt Of Validation letter. I faxed her the documents on XX/XX/2019. It was confirmed through my fax machine that the Supervisor had received the files ; however, after notifying them, I still haven't received a response. I respectfully asked for proof of debt and anything in signature or judgment by law stating I was obligated to pay them the total of ( {$2100.00} ). I have never made any agreement with them or the original creditor to pay this alleged debt. I was also not properly notified of this false reported debt. I am requesting TRANSWORLD SYSTEMS INC to permanently remove my information from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, TRANSWORLD SYSTEMS INC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not removed and updated immediately to all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ), I will be pursuing legal actions.
Product: Checking or savings account

On XX/XX/XXXX I went to TD Bank to withdrawal a large sum of money. I brought with me all the pertinent documents for which was used to open said account. I was unable to withdrawal funds due to an expired driver 's license. My concern is that the bank was able to take my large amount of money in XX/XX/XXXX.My expired license was not an issue. When going to the Department of Motor Vehicle, I was told my license had expired XX/XX/XXXX. This means my bank account with TD Bank was opened without a valid license. My concern is without having a valid driver 's license upon opening, would this make my account invalid? 

It is very difficult for me to get to the bank because of my XXXX. I am moving to Maryland from Florida to be closer to family. I have a lot of expenses coming up in order to make this move happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

The investigation is taking longer than 30 days, I wasnt provided any proof of claim towards the account in question, I wasnt showed any results, and the accounts wasnt deleted as it should by law.
Product: Credit reporting or other personal consumer reports

Im contacting because my information was used to open a credit card with Chase for a balance of {$5000.00} I dont recognize his account nor did I give anyone permission to open an account using my information I have already filed a claim with the federal trade commission about this matter I am requesting that this account get removed from my credit profile because this was not my account nor did I have anyway knowledge of this account being opened!
Product: Debt collection

I returned call to Account Recovery Agency # XXXX ext XXXX and spoke to XXXX from agency. I advised him to cease and desist calls to my employer since they have left calls at my employment. XXXX got very abusive on the phone and also called me back and left a voicemail on my work phone stating he was going to sue me. I called back with my fianc on the line since she is aware of collections laws since she is a manger for a call center and couldn't believe what I was telling her. She called and told XXXX this was a violation of the CFPB to threaten someone over the phone and on voicemail. XXXX got very ugly and would not let my fianc speak. She was trying to get facts about the debt and XXXX was refusing to provide information. My fianc asked if this was an unsecured debt or secured debt and when was the charge off date and XXXX said your fianc is a debt beat that had plenty of time to pay and since he has refused, he is going to regret it and they are going to pursue legal action. My fianc was blown away with the way the collections agency was speaking to both of us. I am not denying about the debt but couldn't believe the way this collector was speaking to us.
Product: Credit card or prepaid card

First, thank you for reviewing my complaint regarding American Express Billing. 

I have spent tens of thousands of dollars with American Express and I always paid my bill on time. I misplaced the the bill due on XX/XX/19 and I was 3 days late in making the payment due date ( the bill was processed on XX/XX/19 ). On my bill due XX/XX/19 I was charged {$35.00} in fees and {$32.00} in interest. I called AMEX to see if they would waive the charges having done so much business with them and only being late this one time by just three days. They refused to accomodate me. So, I paid the bill in full ( Fees and interest included ) on the due date XX/XX/19. On my next bill ( due on XX/XX/19 ) I was charged an additional interest fee even though I paid the previous bill on time with all fees and interest. I called AMEX and the representative stated that they could not waive these additional interest charges on the XX/XX/19 bill even though I paid my previous bill in full and on time with the interest and late fee charges. Again, I explained the previous bill was paid on time, in full, including fees and interest. He stated they call this " trailing interest ''. I call this a deceptive and preditory practice that should be eliminated and never allowed to protect the public from misleading and ambiguous billing pratices. I paid off the balance ( less this " new trailing interest charge '' ) and I closed my account. AMEX continues to harass me with additional interest chages and late fees when I paid my bill in full. The original " trailing interest '' charge was {$19.00}. AMEX continues to charge me late fees and interest on the interest. The latest bill states I now owe {$89.00}. This is harassment and it's wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

My First & Last name are as follows : [ XXXX XXXX ] My Current Street Address is as follows : [ XXXX XXXX XXXX XXXX, SC XXXX ] After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

After you have completed my request, please send me a copy of my credit report reflecting these changes. 
My current address is : [ XXXX XXXX XXXX XXXX, SC XXXX ]
Product: Mortgage

In XX/XX/XXXX, Pennymac requested proof of home insurance for our property in XXXXXXXX XXXX XXXX. We uploaded our master insurance policy ( effective XX/XX/XXXX to XX/XX/XXXX ) through their online portal. On XX/XX/XXXX, Pennymac reviewed and accepted this document, sending us a notice stating : " The lender-placed coverage we reserved on your behalf has been canceled effective XX/XX/XXXX. ( see attached ) '' However, on XX/XX/XXXX, Pennymac unexpectedly asked us to provide proof of XXXX insurance coverage for the period XX/XX/XXXX to XX/XX/XXXX. They warned that if we could not provide this proof, we would be charged for coverage during that time. This is the first time Pennymac has ever requested coverage beyond our master policy, and they are now asking us to obtain insurance retroactively. Purchasing insurance for an already-passed period is not only impossibleits completely unreasonable. 

Pennymac has since followed up twice, stating that if we can not provide the requested evidence, we will be charged {$110.00} for the coverage spanning XX/XX/XXXX to XX/XX/XXXX. Yet, after reviewing our mortgage statement today, we discovered that Pennymac created a new escrow account. Beginning next year, they plan to raise our monthly payment by {$34.00} for 12 months, totaling $ XXXXfar exceeding the previously mentioned {$110.00} ( see attached ). Furthermore, there is no assurance that these charges wont continue to escalate over time. 

We find this situation unfair for several reasons : Conflicting Information and Lack of Communication : If Pennymac found our initial evidence insufficient, why did they send a notice confirming that the lender-placed coverage was canceled? From XX/XX/XXXX until XX/XX/XXXX, there was no mention of needing XXXX insurance for the earlier period. How can a customer be expected to purchase insurance retroactively? Moreover, how can a {$110.00} fee supposedly protect our property or the lenders interest now, when the coverage period has already passed? 

Billing Discrepancy : While the initial notice suggested a {$110.00} charge, our new mortgage bill indicates a {$400.00} increase over the coming yearnearly four times the original amount. This discrepancy is unreasonable and misleading, leaving us uncertain about potential future costs. 

We respectfully request that Pennymac investigate and resolve this issue promptly.