23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX {$540.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX  XXXX XXXX {$910.00} XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit card

Capital One keeps adding late fees and reporting my payments late on a closed account and refuses to report accurately
Product: Bank account or service

I opened a CD with CITBank on XXXX/XXXX/XXXX. I closed it on XXXX/XXXX/XXXX. It was a XXXX year CD. The interest earned was {$1600.00}. They charged me {$2100.00} in penalty. I think this is abusive. I am XXXX under extreme financial difficulties. Please help me on this issue. I can understand taking all my interest, but this is ridiculous. 
Account XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX.
Product: Mortgage

according to the U.S. treasury guidelines. under the imminent default criteria I believe my brother who is a military veteran deserves to keep his home. under the US treasury guidelines he should be eligible for a   modification based on his  XXXX . He went through marital issues and a divorce in  XXXX  and  XXXX  causing him to struggle with excessive expenses, he struggled from  XXXX  and was hospitalized multiple times. He Is a  XXXX  patient and has to be   XXXX    XXXX  times a week. He was admitted into the hospital on  XXXX  and  XXXX , currently in hospital.   He has been hospitalized multiple times due to  XXXX   XXXX  and issues that may have resulted from being in the military. He depends on medical equipment for support to walk and to get around. he is only  XXXX  yrs of age and struggles like an elderly individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to get a quote for a vehicle and had one lender in mind. the car dealership ran my social way more than i asked or expected and hit my report with several hard inquires. I did not authorize or know that this had happened until I got home and seen my report. 

They also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

These are the inquires that I did not authorize or know anything about : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX disbursed a very late issued administrative law judge XXXX XXXX payment ..mandatory bank card ( money network ) with a payment of XXXX dollars card was sent to wrong address..card never received or arrived funds were stolen account was hacked and my identity compromised Been having issues since arpril XXXX need help even filed police report
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please update this account ASAP.
Product: Checking or savings account

I have deposited check of {$5800.00} on XX/XX/2024 at Bank Of America XXXX, XXXX location. The check is from my other bank XXXX XXXX XXXX XXXX and I am been doing such check deposit every 15 days. Fund was always available the very next day to withdraw or any bill payment. This time, check was put on hold till XX/XX/2024. However, fund is already been taken out from my other bank on XX/XX/2024. So neither the money is available in my XXXX XXXX XXXX account, nor it is available in Bank Of America account to use. This is preventing me to pay bills and un-necessary trouble.

When I contacted Bank Of America ( I talked to customer service manager XXXX and then XXXX XXXX, they could only raise a complaint with XXXX. They couldn't provide me any information about verification department which would verify my check and credit the check amount.
Product: Debt collection

On XX/XX/XXXX, I learned this scam company called LAW OFFICES MBA submitted to XXXX  that I owed {$950.00} although they have never indicated why and I have never done business in Texas. I disputed this via XXXX, but this false debt remains on my report. I have XXXX kids and barely getting by. Please stop this scam. My credit was good before this.
Product: Checking or savings account

On XX/XX/2022 around XXXX XXXX, I drove to Regions Bank ( located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) to deposit {$1200.00} ( XXXX {$5.00} bills and XXXX XXXX$20.00} bills ). I received a receipt back saying the deposit was was made only for {$1200.00}. I notified the teller of the discrepancy and was told to hold. The bank manger comes back about 5 minutes later saying that the teller put the money in two Machines and it counted and her draw was correct. I asked if there was another way to verify and she said no because the machines counted the money. She said there were XXXX {$5.00} bills and XXXX  {$20.00}. I asked if she could review the cameras, she declined and said it was ran through two machines.
Product: Money transfer, virtual currency, or money service

I am writing to formerly express my concerns regarding Zelles handling of the disputes. Particularly in light of the recent CFPB lawsuit highlighting Significant issues with the platform. Despite using zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB findings indicate that zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system and leaving users vulnerable to scams. The lack of accountability and transparency in unacceptable and raise serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

My first initial letter was sent in on XX/XX/2021 to all 3 bureaus about the inacurate information that is reporting. The bureaus have yet to resolve the issue and has been over 52 days. i have sent mutiple letters with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Nationwide recovery has contacted multiple times today even though I asked them not to I did verify myself and they gave me the whole spill and I ask the representative to provide me with an address or email so I can send a cease and desist their respond was it public info and when I asked for a manager I was transferred to a voicemail before that the lady kept saying its an old debt and how I do I want to take care of it even after she provided me with the info and I told her I dont have any recollection of the debt and ask why didnt the hospital send me a bill if that was the she didnt respond. The last person just called me and said I wasn't cleared on the previous call which wasnt even 20 mins ago I again verify myself and ask to cease and desist to my number.
Product: Bank account or service

I feel I have had many overdraft fees do to misleading overdraft fee protection practices. This caused my funds to be low and many overdraft fees attached to my acct. since circa 1994. I adamantly feel that money has been taken out of my acct. little by little, damaging my credit scores and leaving me feeling helpless. I am glad Citibank is being held responsible and expect a sizable check in the near future! 
Frustratingly yours, XXXX XXXX.
Product: Debt collection

I do not have a contract with Dynamic Recovery Solutions, I do not owe them anything.
Product: Credit reporting or other personal consumer reports

Sezzle inc inaccurately furnished data to my consumer report publishing my balance due without express written consent and no means to validate or verify the debt as belonging to me.
Product: Checking or savings account

My husband has been a member with USAA for almost 28 years. We made an international purchase, or tried to ( from a place I've ordered from before XXXX  ) we verified PRIOR to pressing the process payment button through XXXX  AND also verified after with USAA it was NOT a fraudulent charge when we recieved the text to confirm that... YET the charge was still declined ..AND our account is now under " review '' for fraud. We can't access our money or even look at our accounts now for who knows how long ( They say 3 buisness days, but I've seen ALOT of concerning comments regarding this and it seems that's what it starts as 3 but that time gets longer ) even after verifying multiple times this was a purchase WE were trying to make. AND Now we have about 8 bills that aren't going to go through because we can only conviently make deposits into our account. I probably would get this review alittle more~ if there was maybe actual fraud to look into... But we had verified multiple times now IT WAS US . And what's really annoying my husband was literally on the phone when they apparently decided to lock us out of our accounts completely. So it seems, we're basically just waiting on someone to unlock our account now for a charge that was verified multiple times to be our own. And in the meantime we don't have access to our funds and multiple bills we will be paying fees for when they bounce or don't go through because USAA is only accepting money INTO our account. And all this for a purchase we did everything we had to TO verify we DID MAKE. ( OR TRIED TO. And the purchase never went through either. ) Apparently nobody can do anything about this to speed the process up ... .Or at least we can't speak to anybody who actually can. When I call the automated system it says my information isn't recognized either .... Like I don't exist anymore in their sysyem. But our direct deposits sure are still hitting just fine... Funny thing ... Last month we had about 20+ charges to XXXX to our account back to back ... .That didn't trigger a " review '' or even a block. This though ... .A international charge to a buisness I have purchased from before AND verified with VISA verification prior to pressing process AND through USAA verification AND verifying by phone with a person ... That does.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Experian and XXXX Dear Experian and XXXX, There are multiple spellings of my name and listed addresses that are not associated with me on my credit report that is incorrected and are attached to my profile as a result of crimes that taken place. My name is spelled only one way XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Fl XXXX. All other addresses and misspellings of my name are incorrect. You were sent copies of an sworn identity-theft report and identity-theft report filled with the federal trade commission. However, these inaccuracies still remain on the credit report which is a violation of THE FAIR CREDIT REPORTING ACT. Furthermore, these incorrect addresses and misspelling of my name prohibit me from verifying my identity with creditors. Lastly, I also sent updated information of my current address which I lived at for 25 years. The following listing in my file are also defamation of character because they are also associated with debts I DO NOT OWE. I am a victim of identity-theft and I am exercising all rights enacted by Congress for consumers victims of financial crimes. If this is not corrected in 15 days. I shall be force to take further legal action. 

Thank you.
Product: Debt collection

The Collection Agency has no right to contact me. They are not licensees of the State of Maine.
Product: Credit card or prepaid card

American Express XXXX advertised XXXX XXXX XXXX in XXXX with a complimentary third night with a minimum stay of XXXX nights. I have confirmed with XXXX agents ( XXXX, XXXX ) that my dates are eligible, and somehow, the system did not apply the promotion. Amex XXXX 's system does the promo in a very unique and convoluted way. The discount is reflected in a lower nightly rate, often shown as the regular rate is crossed out, and the new rate would reflect the " free night. '' I see several problems with this practice.

1. Like my case, the nightly rate was NOT crossed out, leading me to suspect that the promotion wasn't applied. Most consumers would probably be unsuspecting, and this would have resulted in an overcharge.

2. Things like this must also be clarified for the Amex Agents. Most of them have attitudes and probably wouldn't bother looking into it. The agents I spoke with initially told me the rate had already been reduced to reflect the " free third night '' until I proved them wrong. 
3. I spent XXXX hours explaining the error and finally got them to admit that it was an error, but they were ineffective in providing an error resolution. 
4. This leads to unjust enrichment for Amex XXXX. I suspect many consumers are conned into believing they are getting a discount. 

Based on the above, I urge CFPB to look into these incidents. I have screenshots of everything. Amex would have gotten millions of dollars via this type of false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed my personal information to be stolen through inadequate security measures on their end. The amount of leaked data has basically permanently destroyed the security of my credit - I can temporarily put a fraud alert on my credit but it could in theory be removed by someone with access to the stolen information. I 'm obviously not alone in this situation - more than half of all American adults are in the same boat.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Spoke to two different reps on XXXX not one of them can provide debt verification nor attorney review of debt. Harassing texts and phone calls every single day non stop.
Product: Credit card or prepaid card

In XX/XX/XXXX my mothers LLBean credit card was stolen from her room, As soon as we discovered it was stolen we called the credit card company and reported it, It took several calls and they decided that we needed to fill out a form explaining what charges were fraudulent. We sent the form in and after a few more calls I took over the process because it was hard on my XXXX year old mom making all these calls. I sent them a copy of the Power of attorney that I have so that mom doesnt have to deal with these things. After I sent them the POA we talked on the phone again and they told me they would remove the charges. It took a couple more calls for them to remove all the charges and the interest and fines. This whole process took 3 or more months and finally they took off all but a few charges that I paid just to get the whole thing off my plate. For a couple months the charges stayed off the bill until this month when all the old charges ( {$420.00} ) showed up again with XX/XX/XXXX dates on them. I called again to get the bill right and they told me they couldnt talk to me because they didnt have a POA on file so I sent a new POA and hope that with your help we can get this fixed for good. Please help me solve this for good.
Product: Credit card

I have a XXXX account with TD Bank. I made a purchase at the end of XXXX. TD Bank already had all my info from previous purchases. The prompt in my account said that RECURRING PAYMENTS were activated. HOWEVER, TD BANK 's policy is to de-activate, on their end, recurring payments if the account had NOT been used in a while. As I had not used it since 2022, I didn't know this. As a result, they did NOT take the payment neither in XXXX NOR XXXX, charging me late fees for both months, in spite of having my checking account information on file and my authorization to charge. When I complained about it, they removed the late fee for XXXX ( {$40.00} ), but refused to waive the fee for XXXX ( {$29.00} ). They NEVER sent an email statement nor any notice saying that the payments were late, nor tried to collect. If I wasn't on top of this issue, I would have ended up paying many more late fees. 

While the amount is small, as a person that works in XXXX myself I feel that TD Bank is taking advantage of their customers, unilaterally changing their collection systems, NOT informing them of any changes, and then refusing to return fees even when it's shown that it's their fault, not to mention any potential harm this might have caused to my credit score.
Product: Debt collection

XXXX of 2022 we moved residences and disconnected our XXXX XXXX XXXX via online customer service. XXXX months later we received a collection letter for services. However, we disconnected our services and moved in XXXX of 2022. At no point did we receive a written letter, or detailed description of what charges were accumulated or why we were being charged. It was simply sent to collections and reported to the credit bureaus. We have disputed this and have received no answers or validation.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was contacted via phone by XXXX XXXX XXXX ( XXXX ) regarding this same matter. At the time, when I pulled my credit report the account showed an open date of " XX/XX/XXXX ''. I explained to the agent on the call that the mentioned account was not opened by me and it was opened without my consent or knowledge. 

The account was removed from my credit report and a year later in XX/XX/XXXX the account re-appeared under a different collection agency. The account seems to have been sent back to XXXX XXXX XXXX without any further attempts by XXXX XXXX  XXXX to ensure that the correct person was contacted opposed to selling it to a different collection agency. 

I received a letter from I.C. SYSTEMS ( Account # XXXX ) notifying me that I allegedly owed them money for a debt related to XXXXXXXX XXXX XXXX, in the amount of {$2400.00}, and that the account was opened ( Taken over by I.C SYSTEMS ) XXXX XXXX XXXX. I.C. SYSTEMS violates FDCPA 1692e ( 2 ) ( A ) and FCRA 623 ( 5 ) ( A ) This inconsistency raises concerns about a potential re-aging of the account, which violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( 5 ) ( A ). In addition, the reporting of this account with inconsistent opening dates may constitute a violation of 15 U.S. Code 1692e ( 2 ) ( A ), which prohibits the use of any false, deceptive, or misleading representation regarding the character, amount, or legal status of any debt. Based on the fact that I.C. SYSTEMS had noted the account and " Disputed by consumer '' I.C. SYSTEMS was made aware that this account had been disputed, but choose to report in on my credit report and violating FDCPA and FCRA
Product: Money transfer, virtual currency, or money service

Pay Pal refuse to REINVESTIGATE THE CHARGE of an XXXX ride, I did not request PAYPAL refuse TO CONTACT XXXX AND PROVIDE WITH A DETAILED NATURE DATE OF RIDE AND CHARGE XX/XX/2020 FOR {$9.00} I FILED A REPEAT DISPUTE ABOUT AN XXXX CHARGE DEMANDING THAT PAYPAL TO REOPEN THE CASE AND REINVESTIGATE THE CHARGE. I ASK THIS NO GOOD PAYPAL COMPANY TO CONTACT XXXX AND PROVIDE WITH A DETAILED NATURE OF THE RIDE WHO ORDER THE RIDE WHER THE PICK UP AND DROP OFF WAS. THE CALL ALWAYS GET ROUTED TO SOME FOREIGNER CUSTOMER SERVICE AFTER WAITING FOR 3 TO 4 HOURS WAIT TO SPEAK TO A LIVE PERSON. I WARNED THESE PEOPLE WORKING FOR PAYPAL, THAT I DID NOT MAKE ANY XXXX RIDE REQUEST BY ME OR ANY MEMEBR OF MY FAMILY. I DO NOT EVEN HAVE AN XXXX APP, THE LAST TIME I ORDERED A RIDE WITH THEM WAS OVER TWO YEARS AGO. JUST HAVING HAD AN AGREEMENT WITH XXXX IN THE PAST DOES NOT MEAN THIS TRIP WAS REQUESTED BY ME. I NEED ANSWERS WHAT THE XXXX THEY MEAN THERE WAS NO UNAUTHORIZED USE????????? HOW CAN PAL TELL ME THAT WHEN I REPEATEDLY INFORMED THEM I HAD NOT HAD ANY XXXX XXXX REQUEST. THERE WAS A CHARGE ON MY BANK FROM XXXX, AND I DID NOT REQUEST ANY TRIP. PAYPAL RECEIVE TO PROVIDE ME WITH ANY DETAIL RECEIVED FROM XXXX THAT WOULD JUSTIFY THE CHARGE. PAYPAL THINK MY EFFORT TO FIND ANSWERS IS NOT AS IMPORTANT, THIS IS NOT ABOUT GETTING A STUPID REFUND THIS IS ABOUT MY FEAR WHO HAS ACCESS TO MY PAYPAL ACCOUNT. AND PAY PAL SHOWED NO REGARDS ABOUT THIS FOUNDED CONCERN
Product: Credit reporting, credit repair services, or other personal consumer reports

I got this negative item from unknown company to show up on my credit report.
Product: Debt collection

I received a letter from Stenger & Stenger, A Professional Corporation in regards to a debt of {$690.00}. The debt do n't belong to me. I am a victim of identity theft. The account is fraudulent and unauthorized. I have been receiving harassing telephone calls and death threats.