23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was reported to the credit bureaus for owing XXXX {$4300.00} by Receivables Performance. I was never contacted by phone, e-mail or mail about this alleged debt. I never received an itemized statement from XXXX. I was never given the opportunity to dispute the amount in question. My credit is now tarnished because of improper service and communication on the part of XXXX and Receivables Performance.  My rights under the FCRA has been violated as I have been advised by legal counsel. In addition, I want both XXXX and Receivables Performance audited for past and current practices in regards to validity of debt and debt collections protocols and procedures.
Product: Debt collection

In XXXX of 2023 my credit report showing XXXX charge off credit cards that I never opened in my name totaling XXXX. I reported these amounts to XXXX, XXXX and XXXX immediately as fraud and also reported them to XXXX. XXXX stated that one of the accounts was canceled then that the other account we received a card and used it and would not be considered fraud. Which I never authorized opening any accounts, nor did I sign for any, also I never used the stated card. Then I was summoned in the mail and legal action was taken against me when I never committed any of the debt. I have since found out that XXXX Lawyers have been talking to and negotiating in arbitration with the person who stole my identity. They have a phone number on the court website that isn't mine and are continuing to discuss this matter with someone who is not me. Since then we have contacted the sheriffs fraud department and initiated an investigation. XXXX has yet to drop the law suit despite there being debit and credit cards being taken out in my name and someone stealing my identity. The law suit documents show that a debit card was taken out in my name and the suspect in question has been submitting payments under my name, inaddition to all of the fraud that has been accumulated. XXXX has continued to move forward with pressing charges against me despite my identity being stolen.
Product: Debt collection

This company keeps calling about a debt, however I do not owe any debt. The are calling relentlessly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I checked my credit report and there were a lot of fraudulent activities. I disputed the fraud accounts, and inquires on my credit report with Experian. I uploaded several documents as requested to provide proof the account was fraudulent and did not belongs to me. I even tried reaching out the company to provide proof it was not me who opened the fraud account. Experian is not up holding consumer rights and needs to be investigated for XXXX discrimination. The FCRA read section 609 Should not allow any incorrect, erroneous, inaccurate, or untrue on my credit report. I am very disappointed in the False and deceptive investigation Experian has provided.
Product: Credit reporting or other personal consumer reports

UPON ME PULLING MY CREDIT REPORTS, I NOTICED ACCOUNTS THAT WERE NOT MINE.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX at XXXX XXXX XXXX I was attempting to get my credit report. They asked me to verify information that belongs to accounts that do not belong to me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit
Product: Vehicle loan or lease

I visited the XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX, NJ, I got into a new lease on XX/XX/XXXX of a XXXX XXXX XXXX at a monthly rate of {$470.00}. I made a {$4500.00} down payment including taxes. At the same time of this lease, I was also trading in a new XXXX XXXX XXXX car that was purchased on XX/XX/XXXX for {$23000.00} with a down payment of {$5500.00}. This car was financed at 16 % for 72 months. I brought this XXXX XXXX XXXX back with XXXX miles. The rollover value into the new lease was {$6900.00} vs the car 's actual value. The remaining balance went into the cost of the lease impacting the monthly payments with negative equity from the previous undervalued, high value trade in. This car most certainly sold for more than I received as trade in value. My monthly payments are unnecessarily high, despite the car 's rates currently being advertised for less. Rates at {$200.00}. I 'm unable to get out of this lease into a better option by fault of the negative equity of the previous car applied to this current lease.
Product: Credit reporting or other personal consumer reports

I got a copy of my credit report and noticed an inquiry that I did not authorize! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I want to link my XXXX  account to my pnc account and they made a change to prevent me doing that
Product: Credit reporting or other personal consumer reports

I am deeply disappointed and frustrated to see unauthorized inquiries appear on my credit report without any clear reason. After my routine check, I found these discrepancies, and even after refreshing the browser, the issue remains unresolved. I urge that the documents I've provided be thoroughly reviewed to put this matter behind me once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/22 I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these accounts is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit profile and score. 


Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX I have previously requested that you investigate this information above and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Account name : XXXXXXXX XXXX Account number : XXXX The account number above have previously requested that you investigate this information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from my credit report. 


Account name : XXXX XXXX Account number : XXXX The account number above have previously requested thatyouinvestigatethis information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from XXXX report. 


Account name : XXXX Account number : XXXX The account number above have previously requested thatyouinvestigatethis information and you have failedto correct the errors you are reporting on my credit report. Now is not the time to update, I demandthat you IMMEDIATELY DELETE this inaccurate information from XXXX report. 

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

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

i did not give anyone 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. 

Also the credit bureau took more then 30 days to complete my investigation here is my certified mail tracking # XXXX made a complaint to my attorney general : Intake # XXXX Made a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX : case number XXXX Made a complaint to the federal trade commission ( FTC ) XXXX
Product: Credit card or prepaid card

The money was in my account. I provided Citibank with the correct routing and account number. An issue on their end caused the payments to be returned. I have provided documentation of the account information and balances at the time. I incurred unnecessary and unfair fees.
Product: Credit card or prepaid card

I had some fraud on my card, so I called to report the fraud. They submitted a fraud case and deactivated that card, saying I would get a new one. I called a week later when I still didn't have a new card and I needed to login to the website to see my balance, but could not because my card was deactivated. I called in to ask the status of the new card and they said it was never requested. So I " officially '' requested it and asked for it to be sent to me immediately because I have over {$50.00} that I now have no access to and will be charged an inactive fee for not using my card in the 30 days. It's now been a month and still no card. No access to my account ( and thus, my money ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX card account # XXXX Has an inaccurate amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information. 

15 US.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 man XXXX 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Checking or savings account

In between XX/XX/2024 and XX/XX/2024 there were several unauthorized transactions made from my debit card from XXXX XXXX XXXX XXXXXXXX, and other companies I have never dealt with. As soon as I learned of these transactions I reported it to my bank on XX/XX/XXXX and was given claim number XXXX. After days of waiting I received a phone call from the bank telling me my claim was denied and no further information was available other than they didnt think it was unauthorized. So I asked that my dispute be escalated and asked that I be sent paper work or some investigation report or something to show me why my claim was denied. XX/XX/XXXX I received an email saying my dispute had been escalated. A couple days later I received a voicemail asking me to call in. When I did I was told that my dispute was denied again. I asked why? After 10 minutes of the representative trying to figure out why, she finally told me that my dispute was denied because my account had been linked through my routing and account number to make these transactions. I asked if this was the only reason and she said yes. I logged in my account while I was on the phone with her and explained to her that these were all debit card transactions. She stated I was wrong. I further explained that every unauthorized transaction says right on the transaction that they were made with card ending in XXXX which was my current debit card so it is impossible that they came from my account being linked to anything. She said she couldnt give me anymore information and to try to contact the companies. My issue is whether the transactions were with my account number or my debit card they were still unauthorized. But the fact that they are blatantly lying to me, telling me they were done with my account numbers when their own records clearly say that they were debit card transactions, just in an effort to deny my claim is unethical. I am submitting screenshots of the emails between them and I, I also am sending screenshots of some of the actual transactions and as u will see the transactions clearly say they were done with card XXXX.
Product: Mortgage

I had been a customer of Earn-up ( formerly XXXX XXXX ) since XX/XX/XXXX and up until never had any issues with " skipping a check '' during the months where I would have 3 check or withdrawals until XX/XX/XXXX. Earn-up had just taken over the activities from XXXX XXXX. So this made me wonder and I immediately requested a transaction history of payments and withdrawals. After several calls and emails, on XX/XX/XXXX, I received a transaction history of payments and withdrawals from XX/XX/XXXX to XX/XX/XXXX. I reconciled the payment and withdrawals and found discrepancies. On XX/XX/XXXX I sent a request to Earn-up to review the reconciliation, investigate, and issue a refund. I provided them with details of the reconciliation : ( 1 ) {$1200.00} more withdrawals versus payment to the mortgage companies ; ( 2 ) Questionable " One Time Deduction '' of {$11.00} ( included above ) ( 3 ) {$290.00} of Questionable ACH Fees Earn-up contacted me and promised a response. They did satisfactorily explain the {$11.00} withdrawal early on but that was all! but even on XX/XX/XXXX, I had to follow-up in writing. I went through my analysis several times with " XXXX in the Escalation Team '', have made several phone calls and followup emails, only to be told that they were working on, and I would have a resolution soon. I informed them that I would be escalating the issue legally. The " last straw '' was when I called on XX/XX/XXXX and was told that my case had been resolved and to expect either a refund or an explanation on or before Monday, XX/XX/XXXX. I received a refund in my bank account on Friday, XXXX XXXX, XXXX for {$240.00}. I rejected this amount and have asked Earn-up to explain how they arrived at this amount, but they have not. 

Earn-up told me I took part in a settlement from Consumer Financial Protection Board ( CFPB ) settlement in which I was refunded fees in the amount of {$480.00} on XX/XX/XXXX, and the settlement conditions. I have asked of proof of this. 

My complaint is that based on a more detailed breakdown analysis, I contend that EARNUP still owes me {$880.00} : A. At the time of the settlement the amount due from Pay Map was {$390.00}, which means they refunded me {$92.00} more than what they should have for this period. As you have stated this settled all amounts due at that time. 
B. From XXXX there was {$1100.00} more withdrawals than payments. Only {$240.00} was refunded which they still have provided any details or support of how they arrived at this amount, just that it was a balance in the account. The total difference is {$880.00} due for this period.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Mortgage

I missed one payment  XX/XX/XXXX . Then another in  XX/XX/XXXX . In XX/XX/XXXX  I applied for a loan modification after receipt of a " Notice of Intent to Accelerate '' from Selene Financial. Selene claimed to have not received this packet initially, so again in XX/XX/XXXX I resubmitted all documentation via e-mail and US Mail as instructed by the Mortgage Company. Each time I called, I was told some document was missing. They did this until all documents were stale dated. Once again, in  XX/XX/XXXX I resubmitted. This started a vicious cycle I was to familiar with from the last 2 applications. In  XX/XX/XXXX  Selene refused my payment. I sent it back to them. They returned the payment once again, thus making it look as though I did not pay. I contacted the Law Offices of   XXXX   XXXX   and hired the firm  XX/XX/XXXX . I had prepared a new loan modification packet ( # 4! ) to which my attorney submitted, under his firm 's name, and by golly this was approved! I started paying again in  XX/XX/XXXX , continually, in fact I am a month ahead on my account.
On  XX/XX/XXXX , my mother signed for a registered mail from Selene ( even though I am still represented technically ) which happened to be another Notice of Intent to Accelerate! I promptly called Selene, and was informed they can not speak to me because I am represented. I asked to speak to a supervisor and was switched to   XXXX   XXXX  , supervisor of the loan resolution department. He was not only unhelpful, he was RUDE.
I have spent {$3000.00} on my attorney to submit a packet I had done 4 different times. I have paid my mortgage on time, except for 2 times, XX/XX/XXXX  and  XX/XX/XXXX . This company is reprehensible! I consider this harassment at this point.
I wo n't even get into the credit damage this has caused!
What can I do about this? How do I stop this from happening non-stop for the next 30 years?!
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$12000.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX OF XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  Balance : {$14000.00} XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Transunion constantly violates my consumer rights by reporting incomplete information and by illegally updating the Date of Last Activity on a XXXX XXXX account. Transunion continues to re-age this account to reset the statue of limitations in hopes that this account will remain on my credit report longer than the law allows. My previous dispute letter was received on XX/XX/2023 and the tracking # is XXXX. I am attaching my previous letter along with receipts, numerous credit reports showing this illegal re-aging and the correspondence Transunion sent me which is dated XX/XX/2023 stating that Transunion investigated the information I disputed and the disputed information was verified as accurate which is not 100 % accurate because my credit report is still displaying incomplete information as well as illegal updates.
Product: Checking or savings account

There was an unauthorized {$1000.00} charge on my account XX/XX/23, and I filed a claim with Wells Fargo. They told me it would take up to 10 business days to help me look into it or would credit my account back {$1000.00}. Wells Fargo did not even bother to contact me back within those 10 business days, and I had to follow up regarding this transaction only to tell me they could not do ANYTHING about it or offer me a solution and credit me my amount back like they said they would. Now I have to file a claim with CFPB to get help because my Bank would not even bother finding a solution to my problem. I've been with them for over 10 years, and this is how they treat their loyal customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are attatched of all the proof u need to dismiss my 180 days late payments on my Transunion XXXX and XXXX report. this is concerning my education loan through XXXX. I have never missed a payment due to me always being on a deferment or forbearance option with the loans for my schooling.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is TRANSUNIONs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments for the XXXX account beginning in XXXX. These include a 30 day late payment posted in XX/XX/XXXX and a 30 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Checking or savings account

Hello, As of today I have been charged a total of {$170.00} in bank fees which {$100.00} has been reversed, TD bank pick and chooses when to post a transaction ( they 'll leave it pending for several of day s ) hold  deposits and charge fees instead of processing the deposit and when your deposit clears, they have charged fees so that your money is gone. This is unfair and illegal and something must be done!
Product: Debt collection

The collection agency Portfolio Recovery Associates constantly sends me notices for an account that Ive never opened due to identity theft that occurred over 8 years ago. Its for a XXXX XXXX credit card and the balance theyre trying to collect is {$840.00}. Ive repeatedly advised them that I never opened this account. Im a victim of identity theft. Ive sent faxes and letters which theyve received. Now as of 2 years ago that fraudulent account has dropped off my credit report because of Statue of Limitations per New York State law. Now theyre constantly sending me letters stating that theyre well of aware the statue of limitations and legally i no longer owe this balance. Theyre using sneaky scare tactics trying to get me to pay for something that Im not responsible for. I used to work for a collection agency and I know these tactics. I told them to cease and desist. They ignore my demands despite they cant legally pursue me any longer.