23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This account was closed in XXXX as never late. They continue to act as the account is opened. And are reporting to the credit bureau 's as if the account is open. According to them the account was closed on XX/XX/XXXX. The balances are reporting different amounts as well. 


I have documentation and it will not let me upload it. Please contact me with email or link that I can send it to if necessary
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I attempted to buy a {$450.00} commodity online from a website called XXXX. After additional conversation regarding the exchange that was meant to occur, the seller barred me on the so-called website on XX/XX/2022, and it became clear that the whole transaction was a fraud. I immediately phoned my bank, since this is where the money transfer firm XXXX, with whom I made the transaction, was integrated. The bank filed a claim, which they regrettably had to close twice, since they believe I made the transfer and there is nothing they can do except wait for the seller 's bank to recover the funds. I understand the circumstances, but it is completely unjustifiable that they lack any kind of protection in this case. I was certain that if something went wrong, I would have some form of protection, given I had used my bank to transmit money. Neither the bank nor XXXX cooperated with me in resolving the problem ; I have images demonstrating that the whole transaction was a fraud, and the seller 's account was even suspended on the platform used, since there were likely many other people who reported it. I have not received an e-mail or physical mail detailing the status of the claim, and I have had to call each time for an update, just to learn that my claim was closed without adequate assessment or notification. You may be aware of the issues with XXXXXXXX XXXX lack of security against these types of situations, and I hope they can find a method to communicate this information to their users.
Product: Debt collection

Collector says I owe money for additional plumbing services. I paid the plumber in full and on time ( have receipts ). I immediately asked collector to validate the debt and to communicate only in writing. I have never paid a bill late in my life. Despite my poor finances, I offered collector {$100.00} to make the issue go away. This seems to have emboldened them. Collector reported the fake amount to credit bureaus, plunging my FICO score. If my future employer orders a pre-hire credit report, I may not get the job. I moved out of state ( to save money ) and filing legal action there would be an unmanageable hardship. Today a collector harassed the receptionist where I work.
Product: Debt collection

Ive never done any type of business with Medical Data Systems , INC . I spoke with one of their representatives on XX/XX/XXXX to provide me any signed documents that they have as proof of me owing {$100.00} to their company. 

In a written response the company acknowledged their company does not own the account or the debt. 

As of today Medical Data Systems has not provided a valid contract with my signature to prove my obligation to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown accounts reporting to my credit report, over 60 days I have yet to receive a response on investigation. At this stage in the process my anxiety has grown ; feeling that my disputes have been ignored. Section 611 ( a ) of CFRA plainly states that a failure to investigate these items within 30 days gives reason to immediately remove items from my credit report, it has been over 60 days and the disputed items should be removed promptly. I demand these accounts be deleted immediately or I will be filing for litigation due to the stress/anxiety caused. Also, my personal information was subject to being compromised in the XXXX  data breach and possibly placed in the hands of individuals with ill intentions.
Product: Debt collection

Failure to remove a debt paid in full from a credit report is against the law and failure to have said debt removed from collections and still trying to collect on debt that has been paid in full to the physical is fraudulent and grounds for a law suite . I have submitted evidence to reflect such payment in full to collections as well as ALL CREDIT REPORTING COMPANIES. If this debt does not get removed ASAP my lawyer is prepared to take legal action against all parties involved that are not conducting in the manner and are committing fraudulent acts against me and my good name and credit.
Product: Credit card or prepaid card

I have a debit card and 2 credit cards with Bank of America. One of the credit cards holds a XXXX balance ( Mastercard ), whereas the other card actually has a balance ( Visa ). I generally pay $ XXXX  monthly to the Visa credit card ( which holds an actual balance ) by transferring the funds from my debit account via the Bank of America App. On XX/XX/19, I accidentally made the {$250.00} payment to the Mastercard credit card ( XXXX balance ) which resulted in a - {$250.00} balance as of XX/XX/19. I decided to just transfer the {$250.00} payment from the Mastercard back to my debit account, which would make the - {$250.00} balance go back to {$0.00}. I was charged a cash advance fee of {$12.00} for the transfer. I quickly paid it off today on XX/XX/19 then called Bank of America regarding the situation. I wanted the fee reversed given the unique nature of the situation ( since the Mastercard held a XXXX  balance to begin with and just went into the negative ). Bank of America advised there was nothing they could do regarding this fee given the circumstance.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/year>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/year>
Product: Credit card

hello. I have been making continuous payments through XXXX XXXX TD BANK since XXXX. They potentially took more of my payment and did not resolve it, so I requested to call them several times, but they waited for over XXXX hours to respond to my call request. There is no connection. Not long ago, I paid the same amount, but they reduced my credit limit and took more of my money by mistake, so I tried to resolve the issue, but instead of resolving the issue, they treated me like a criminal and said I didn't pay.. I'm so angry that they arbitrarily reduced my credit limit. 

They continued to give the same explanation every time and did not acknowledge their mistakes, which interfered with their work. 

As you can see in XXXX, I got the date wrong and paid in installments, and in XXXX, they took over {$200.00} out of my account and called to resolve it, and they said they would correct it. It didn't work at all and they added a late payment to me for that and continued to harass me by calling me for several days in XXXX. And I tried to resolve the mistake they made, but they added another late payment after checking it in the system, and when I checked again today in XXXX, they said that the credit limit had changed in the early morning.
Product: Credit card or prepaid card

ON XX/XX/21 HSBC BANK PUT A CHARGE ON MY ACCOUNT ( XXXX ) FOR {$39.00}. THEY DO THIS ON A ONGOING BASIS WITHOUT ADVISING ME. I DID NOT MAKE THIS CHARGE. THEY SHOULD NOT HAVE THE LIBERTY TO JUST PUT STUFF ON MY CREDIT CARD. I WANT THIS OFF MY CARD
Product: Debt collection

In XX/XX/XXXX, my wife and I were forced to leave our apartment. I was laid off and as a function of that our pending home purchase fell through. Our management company at the time ( XXXX XXXX of XXXX, Maine ) made no concessions or efforts to work with us during the COVID19 pandemic and this period of unemployment ( which persisted through XXXX and continues as of XX/XX/XXXX ). 

We located a temporary, barely habitable, rental and moved on XX/XX/XXXX. We did not receive our final bill from XXXX within the 30 days, as outlined in our lease, nor did they provide an itemized ledger. Instead, they sent our account to collections before providing us the opportunity to pay or make payment arrangements. Lastly, we had requested to settle with the landlord, a XXXX representative sent one email to this effect and sent us to collections anyway and without notice. 

Our complaint involves both XXXX and The Thomas Agency. On XX/XX/XXXX, The Thomas Agency sent us a notice that XXXX transferred our account to them. We disputed this ( through certified mail ; return receipt requested ) on XX/XX/XXXX. In our written dispute, we asked for validation and that Thomas Agency return our debt to XXXX so that we could continue to resolve our account directly. 

We have not heard from the Thomas agency since XX/XX/XXXX. They never provided validation of the debt, nor did they attempt to send any bills or contact me ( by phone, email, or mail ) to request payment or gather information. Instead, and without any notice, they began reporting this account to all three credit agencies in XXXX of XXXX. 

I have disputed this account with the credit agencies and The Thomas Agency continues to erroneously claim their information regarding an unvalidated debt is correct when it is not.
Product: Debt collection

an auto lone from Regional Acceptance corp. The car was totaled in 2018 and paid off buy insurance. I have spoken with the finance company, they are saying I have had deferred payments on this account but when I ask for proof of the deferred payments or conversations about these payment they refuse to furnish to me proof of debt and I would there for like this removed from my credit of I would like the credit to provide valid proof of debt or remove from my credit. I have been asking them and the company that represents them to research and provide proof for a few years now and they refuse to provde the proof.
Product: Credit card

I signed up for a XXXX Extra Points Visa Card with barclaycard. I was informed that I would receive bonus points for my payment of my XXXX XXXX SBL ( Seat Builder License ). However, I just made my payment for that license on XXXX/XXXX/16 for {$4000.00}. However, the company did not aware me the correct bonus rewards as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following have violated my rights : Account name : XXXX XXXX XXXX Acct # : XXXX, Account name : XXXX XXXX XXXX Acct # : XXXX Account name : XXXX XXXX XXXX XXXX. Acct # : XXXX Account name : XXXX Acct # XXXX XXXX Account name : XXXX XXXX Acct # : XXXX, XXXX, XXXX Account name : XXXX XXXX Acct # : XXXX Account name : XXXX XXXX Acct # : XXXX Account name : XXXX XXXX XXXXXXXX Acct # : XXXX Account name : XXXX XXXX XXXX Acct XXXX XXXX XXXX Account name : XXXX XXXX XXXX Acct XXXX : XXXX -- 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies has reinserted an account that was removed last year XX/XX/2018, inwhich the account was disputed and an affidavit for identity theft was provided. The company then removed the item but then without any warning the company XXXX XXXX XXXX XXXX ) was once again on my file. I'm demanding that this account be block and/ or removed immediately as it has caused me headaches and emotional distress. And has went against the consumer laws of the FCRA.
Product: Credit reporting or other personal consumer reports

I am unable to access online dispute on my account or see the status of any ongoing disputes. Everyone that they send me to has a different story regarding why I can't access my dispute account. I can't see any current or past disputes. This needs to be corrected immediately as my rights are being violated by not being able to dispute adverse items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax kept consumer records, mine included, in a non-hardened and un-secure web database. This has been in the news lately, and the company admitted that the information ( social security numbers, names, addresses, driver 's license numbers ) of over 100 million Americans are now in the hand of foreign hackers. 

To make matters worse, Equifax waited over a month to make consumers aware of this breach. This obviously impacts measures consumers could have taken to protect themselves from fraud. 

Equifax 's irresponsibility continued, as top executives sold off huge amounts of stock to cover their XXXX and wallets once the breach was announced. Needless to say, this is extremely ILLEGAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notification to CFPB that I was NOT included in the Experian Fraud Shield Settlement despite the fact that the CRAs labeling of my address as High Risk or Fraudulent has caused me grief and numerous missed opportunities. 
The article I read about two months ago was the first time I learned that these practices were actually illegal. 
For me, simply opening up a no-maintenance-fee bank account was impossible. Therefore as a XXXX XXXX with a risky address, I pay {$12.00} per month for that privilege. 
Opening up a Business Account several years ago at a bank where I already have several immaculate accounts and an XXXX credit rating, proved to be a matter of criminal intent. The bank was offering a {$500.00} bonus to open the account, with no direct deposits required by the way. 
I lost, easily, over dozen opportunities because of these CRAs. Even an attempt to open a SAVINGS ACCOUNT at my Credit Card Company Failed!

I had communicated about this with CFPB. Someone with an XXXX credit rating and 45 years of credit reports probably should NOT be denied a simple bank account. It is frustrating and embarrassing. 
Finally before the Pandemic, I just permanently froze all of my reports and stopped applying for opportunities. Why have numerous denials and failures on my record? 
I emailed to the Experian Fraud Shield Settlement Administrators at Hill-Green v. Experian Information Solutions , Inc. , and they stated I was NOT included in the lawsuit. 
Compare the above to the scamsters able to practice $ XXXX PPP fraud, often as non-citizens and even prison inmate some from their home bases abroad. 
What exactly is the intent behind these practices?
Product: Debt or credit management

I contacted XXXX XXXX [ XXXX ] in XX/XX/XXXX for debt resolution assistance. I was paying $ XXXX a month to resolve debt and pay off credit cards ; however, the creditors were not receiving payments. I contacted the XXXX XXXX XXXX  with concerns about these practices and was informed that XXXX XXXX XXXX was being sued by the Federal Trade Commission for their practices. I then contacted XXXX XXXX XXXX in XX/XX/XXXX to find out what course of action to pursue as they were being sued. I did not receive any communication. Meanwhile, the XXXX XXXX XXXX advised me to contact my creditors with regards to the situation, which I did, and I was able to negotiate on my own and pay off my debt, which totaled upwards of $ XXXX. I have recently been contacted by another debt collection agency, Oliphant Financial to now try and force me to pay {$18000.00} to them as they have obtained accounts from XXXX XXXX XXXX. I am being harassed by this company for a debt that I do not owe, and it is showing up on my credit report as an outstanding debt originating in XXXX. I am formally reporting both XXXX XXXX XXXX and Oliphant Financial Services for this issue.
Product: Credit card or prepaid card

I am XXXX XXXX and I lost a big account in XX/XX/2017 which made me become late on my credit card for 2 months. Since then, I have regained my company strength and have been able to pay down my credit card balance to under 10 % utilization. However, I still have those 2 late payments on my account that the credit card company does not want to forgive which is hurting my score or apply for more credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 at XXXX am and also at XXXX am I received a text message on my phone that there were XXXX payment transaction pending on my Chase account through XXXX ; first payment was {$1000.00} and second payment {$800.00}. I realized that those were payments not authorized by me. To my account no one had access at any given time and also at the time of those payments were being made, I was alone at home. Around XXXX am I changed the password to my Chase banking account on my computer and at the same I tried to reach the Chase online customer service to stop those XXXX unauthorized payments. I was on hold for XXXX minutes, there was no live response from bank site. I tried to call XXXX more time at XXXX : XXXX am while I was on my way to Chase bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Before XXXX am, I was in the bank and Relationship Banker XXXX XXXX XXXX XXXX identified my personal ID and checked the account and told me that those XXXX unauthorized payments are pending. I asked her to block those XXXX unauthorized payments. She called the claim service and they turned off the online access to my Chase account. The Chase bank did not block those XXXX unauthorized payments which were still pending. I was told that the claim was submitted and the bank will refund the money for me. After XXXX months of waiting and not receiving any letter confirmation from Chase bank about my claim results, I called the online customer service and was told that my claim was denied. Chase bank told me that those XXXX unauthorized by me payments were send from my device, what is impossible. 
I reopened the claim, current claim # XXXX, I also contact local police - XXXX  XXXX XXXX police report # XXXX. I also reported the scam to FBI. 
On XXXX of the unauthorized payment was made to the person named XXXX XXXX with phone number XXXX, second payment was made to the person named XXXX XXXX with email XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX I made payment to US Bank to satisfy my vehicle loan and resulted in a XXXX  balance. I have been trying for a week to get the Lien released so I can sell the vehicle. All payments have cleared the bank and they committed to me to have the lien released electronically within 24-48 hrs when I called on Wednesday the XXXX  of XXXX for an update. My state DMV uses an electronic title process and as soon as the bank clears it I can have it. I have received poor customer service and many of the staff I have talked to at the bank have given immaculate and misleading info. With my mom satisfied I feel like my personal property is being held hostage. They not only have my money from satisfying the loan but they have a lien so I cant do anything. Please help me resolve.
Product: Debt collection

LVNV funding LLC account number XXXX, has not produced any documentation of me doing business with them and they are still reporting on my account.
Product: Credit reporting or other personal consumer reports

I filed arbitration against Equifax and XXXX, and they refused to go to arbitration. I got a notice from the XXXX that they are being kicked out of arbitration due to a pattern of failures to comply with XXXX  policies regarding consumer claims, including not paying arbitration fees. Per the attached correspondence I received from XXXX, XXXX is banning them from arbitration entirely. This is violating my arbitration agreement as well as the Colorado Revised Statutes 5-18-116. The XXXX. specifically provides that XXXX be the forum for arbitration in consumer reporting/ CRA matters. The law does not give me a backup forum to use nor have I heard from Equifax and XXXX 's legal departments to know if they received my demands. Equifax and XXXX are willfully ignoring my rights, breaching their contract, and obstructing my ability to enforce my rights under the legislation that governs them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : DEPT OF ED/XXXX XXXX charge off account DEPT OF ED/XXXXT XXXX charge off account XXXX XXXX XXXX XXXX late payment account XXXX XXXX late payment XXXX XXXX XXXX XXXX charge off account I do not believe that these items are accurate and I am requesting that they be removed from my credit report. 

Regarding the charge off accounts from DEPT OF ED/XXXX I have been making regular payments on my student loans and I do not believe that I have missed any payments. I would appreciate it if you could review my account and correct any errors that may have been made. 

As for the late payment accounts from XXXXXXXX XXXX  XXXX and XXXX, I do not recall missing any payments and would like to see any evidence that shows otherwise. 

Lastly, I am disputing the charge off account from XXXX XXXX XXXX as I have never had a loan or any type of credit with this company. 

I request that you investigate these disputed items and provide me with a written response detailing your findings. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

It has now been over 11 weeks since I had a FDIC insured CD mature ( XX/XX/24 maturity ) with Goldman Sachs Marcus. 

This is the fourth CFPB complaint I have filed ( XXXX, XXXX, and XXXX being the first three ), yet nothing has been resolved- I still do not have my funds ( {$26000.00} as the maturing dollar amount ).

Goldman admitted they made a mistake when they told me they could not ACH me the funds initially and offered a {$50.00} " courtesy credit '' in response. This is insultingly small dollar amount relative to the interest Goldman is earning risk-free on their balance sheet. Despite spending hours on the phone with endless
holds and transfers, and sending a second notarized affidavit- they claim they never received the first one, but did acknowledge they received the second - nothing has happened. 

The company assigned a " grievance specialist '' named XXXX ( the firm will not give out full names and titles ), who called me regularly and said she would make sure the issue was resolved. She called a few weeks ago and said she would be going on vacation, but someone would reach out to me to follow up. In fact, no one reached out to me, and I have heard absolutely from Goldman. When I called the number she gave me yesterday, the phone number is no longer working.

Goldman is a primary US Treasury dealer and is issuing FDIC backed CDs. Is it not within the CFPB 's purview to insure they can choose not to pay a customer their funds? 

This has been going on for almost 90 days and ABSOLUTLEY NOTHING HAS BEEN RESOLVED. I have incurred significant costs associated with first quarter and second quarter estimated tax payments to the IRS as a result of not having these funds.

I suppose the next step would be to get an attorney to file charges against Goldman to resolve this but would prefer to avoid the cost and hassles.