23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/2018 I submitted a bill payment using America Express Serve in the amount of XXXX. XX/XX/2018 it was to be delivered. All went well until, XXXX XXXX XXXX advised to send a money order or pay in cash. They sent/mailed the check back to me. I got it and on XX/XX/2018 I filed a dispute with AMEX serve. 36 reps later, 5 migraines, and I still do not have my {$120.00}. I checked with the payment processing center number on the check they wrote and they couldn't do much to help me but they did say the stop payment was completed on their end. I have to pay my loan with those funds and they are holding them. here is a breakdown of the timeline of me calling : XX/XX/2018 Transaction was made XX/XX/2018 was the date it would be delivered to the merchant XX/XX/2018 the original dispute was requested XX/XX/2018-was told next follow up will be the XXXX XXXX I was told that i would be followed up with the same day. An email was sent to the back office and they responded saying I will be notified when credit is made to the account XXXXanother follow up was sent to the back office and yet no reply XX/XX/2018 advised dispute in process and that i will be notified once an update/advised 10 business days and still no resolution XXXX this is still in process and customer will be notified when the credit is placed on their account still no resolution XXXX Management above back-office would be emailed, today technically is the 10th day. so story changed again still no resolution So what it boils down to is that the back-office still did not provide any response but that " This is still in progress '' and we will notify the customer when it is completed 36 calls were made with no resolution at all. 
I have also written their feedback site, along with tried attorneys and I am not getting any help. Can you guys give me some hope??
Product: Debt collection

ERC located at XXXX XXXX XXXX. XXXX, FL XXXX was contacted on XX/XX/18 and failed to provide answers to all of my questions. They were unable to provide me verifiable proof of any copies of an original document to prove I owe this debt allowed to me under my rights of the FCRA. I told the representative from ERC that a copy of a statement is not proof and a verifiable copy of original is required by law. I am asking this supposed debt be removed from my credit report as it is hindering my ability to obtain a mortgage, auto loan, etc.
Product: Checking or savings account

This is in regards to USAA continuously locking people completely out of their account after reporting of a fraud charge by the consumer. If I am reporting a charge why then am I the one being investigated that you can't speak to me. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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: Credit card or prepaid card

i have some identity theft on my credit report in which i am trying to get resolved. the name of the unknown/unauthorized account in which i am contacting you about today is called XXXX OF XXXX CARD account number XXXX total amount is XXXX and another XXXX OF XXXX CARD account number XXXX in the amount of XXXX on that account also i have contacted the actual creditor and have gotten no where with them. I have filed a police report and waiting for the actual certified copy to be mailed to me however i have the copy. i just want all this fraud off of my credit
Product: Credit reporting or other personal consumer reports

About a month after leasing my vehicle, my job had let go of multiple staff members, myself included, in regards to the COVID 19 pandemic. They had decreased their staff and upon doing so, I called in multiple times & spoke to numerous agents to discuss a payment plan due to losing my job. I soon later learned I was a victim of identity theft trying to pursue my unemployment payments, in which I kept calling in to keep them updated with my financial situation. I told the company I would be able to make payments and asked if I was able to provide paperwork proving my claim but they assured me that they would work with me. Completely false, because as I stayed in contact with them to keep them posted about my financial status, they came & towed my car, repossessing it before they would accept my payment. I called in and spoke to a young lady who was not only rude, but careless & refused to clarify in my account for the notes every agent I spoke to claimed they put on my file in regards to my payment plan. She said she was going to place me on hold but instead, hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX XXXX {$0.00}
Product: Debt collection

PMAB contacted me about an alleged debt which is medical dated XX/XX/2019. I asked the company to validate the debt to which they sent an itemized statement dated XX/XX/2019. I responded to PMAB to ask first of all how did they get ANY of my information from XXXX XXXX? I never signed a HIPPA release form, so how did PMAB receive any information about me true or false how does this company know me? I have since asked PMAB to provide me with a contract with my signature that shows I have or had agreed to enter into a contract with a third party concerning my private health info.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the cred
itor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

Citi bank hold about {$28000.00} of my private loan debt. I have paid them online every month and have not defaulted ever. 

on friday XX/XX/XXXX I got a letter in the mail that was a XXXX tax forum claiming that about {$16000.00} of my debt was cancelled in XX/XX/XXXX. when I called I was told they sent one for my XXXX loan as well. So right now the government things I have has about {$28000.00} of debt cancelled and expects me to file it as part of my income, BUT it has n't been discharged and I have been paying it the entire time. 

When I tried to talk to them about it they would only tell me that the documents were an error. they gave me no information about how they were going to fix it, what will happen with my taxes or WHY this happened in the first place.
Product: Debt collection

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the XXXX does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and XXXX  authorization XXXX
Product: Credit reporting or other personal consumer reports

As far as I understand, FCRA 605B mandates the removal of inaccurately reported accounts from credit reports. I'm unsure about the details, but I urge you to examine the accounts provided in the documents. They're inaccurately reflected on my credit report, with incorrect account details and statuses. This situation has left me feeling upset and unwell. Your help with this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing the credit report No one notified us we were being sent to collections This should not be affecting my credit score and should be taken off immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into XXXX XXXX  in XXXX. XXXX, MN to try and open a savings account and I was told that I was denied on XX/XX/XXXX. I then went and had my credit report ran by a XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX and they informed me that on my credit report I had a fraudulent charge on there in the amount of {$2300.00} from XXXX XXXX  XXXX on XX/XX/XXXX. I then proceeded to obtain my own credit report from XXXX, XXXX, and TransUnion on XX/XX/XXXX. I did not see those fraudulent charges on XXXX  or XXXX, but I was able to locate it on TransUnion. On my TransUnion report, they had said that it was from XXXX XXXX, for the same amount, but different date being XX/XX/XXXX. I called TransUnion and attempted to dispute this charge but they had said that they were unable to process the dispute, as they apparently do not deal with checking or savings account fraudulent charges. I also called XXXX XXXX  XXXX, and they informed me that they did not have my information anywhere within their system but would forward the information onto higher ups for them to look into it further. Once I was notified of XXXX XXXX, I contacted them and spoke with a girl named XXXX, and she said that she would forward my information onto higher ups as well and I should hear something within 30 days. This was all completed after I obtained my credit reports on XX/XX/XXXX. For the record, I personally have never gone into or been associated with XXXX XXXX or XXXX XXXX. Also, upon looking at my TransUnion report, I noticed that they had an alias that was associated with my name. I have never had an alias.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and after checking my credit report I noticed a fraudulent and inaccurate account on my credit report. I am not familiar with this company but they are causing me damages and affecting my credit worthiness and reputation I have attached an identity theft report along with a copy of my driver 's license and social security card for verification Account : XXXX. XXXX XXXX XXXX ( Originally : XXXX XXXX XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I have listed the accounts below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains 60+ days late payment XXXX reported on [ XX/XX/XXXX ] for my [ XXXX XXXX XXXX ] account. This account was paid in full XX/XX/XXXX on  time payment where made since XX/XX/XXXX I have printed a copy of last 4 payments to show that this account was never late
Product: Bank account or service

i started using paypal about 2013, never had an issue receiving daily money from cusotmers, as i was a XXXX. during this time i was employed with another company within the same field. Then i decided to expand my product range, so at the time i was unaware of the risk of the product it was, neither was paypal.. After making a few sales of high amounts, paypal, limited my account and asked for verification which was completely understandable, upon verification my account was back to normal, during this time i was building jelesousy of the company i worked with, i started selling on ebay, and very soon, fell victim of a very targetted attack more or less seemed, unstoppable, after making $ XXXX, in sales approximately within 2 months.. i started getting, returns ... ( without the item ), ofcourse paypal in the protection of the buyer issued refunds.. during this time they had already added a reserver to my account which was XXXX % of daily sales, on a 90 day reserve. my account balance was at $ XXXX, with XXXX, in reserve. after receveing numerous disputes regarding items, which it became apparent it was a targeted even bcause all $ XXXX in sales, were disputed. i have shipping records of item being shipped, and yet paypal still refunded money. Paypal during this time, apparently missed 3 years of reesearch and linked me to an apparent account i had 7 years prior to that i had no knowledge, during that time, they did n't ask for a social security number.. 
after figuring out that i was linked they shut me down, i was no longer able to acess my funds, they literally shut my business down. i appealed numerous time, as a matter of fact they even told me that they do n't have to talk tot me because im no longer a paypal user.. -- i said fine. my account was negative XXXX the following day, - wow, they send me an email saying my paypal was restored, so i mmididately paid the XXXX, for them to go right back and limit me once again. i logged off for a few months, and now the account has reached dispute refunds for more thani even generated i called expressed my concern that all the buyers had the common email address and they ignored the fact. .. then about 10 months later i receive notice that i have another account, that was opened by my employer during that time frauduently, ofcouse because they have my id and social they linked me, i asked how they got it, and they replied that i submitted the items to take over an account that is XXXX in the hole.. ... why would anyone want to take over an account that is negative. 
XXXX.
Product: Credit reporting or other personal consumer reports

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

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

I had an unexpected account closure with Bank of America, and my account had an outstanding balance due to overdraft fees. I was not given any prior notice or a reasonable amount of time to address and pay off the balance before the account was closed. 

I had taken actions to address the overdraft fees, but due to the sudden closure, I was unable to complete the process and clear the outstanding balance. This situation has caused significant inconvenience and financial strain. 

I would appreciate it if you could forward this information to the relevant parties involved. Thank you for your assistance in addressing this matter.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed an account that was not reporting accurately. I had XXXX account that i was in fact paid on time .The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments to paid i've attached a copy of my report to this complaint on the following dates ( XX/XX/24 ) I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
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. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Debt collection

The original creditor closed my credit card then it was turned over to LVNV Funding LLC. I sent the collection agency a letter asking for my signature as proof for contract with them. They failed to provide signature but instead sends me some literature on credit cards with that company. After sending more certified letters to the collection agency I receive letters from another collection agency stating they are collecting also. This has been going back and forth between LVNV and Resurgent Capital Services. 
Always calling my phone and telling me I need take care of this.
Product: Vehicle loan or lease

When I first noticed this loan on my account I immediately XXXX  Credit Acceptance and explained to them that the account does not belongs to me and I am a victim of identity theft. I was then asked to send in a copy of my identification, in which I did. It was a couple of days when I called back and spoke with someone of higher authority whom stated to me to me that it will be removed within a week. That week came and went along with years which I have been disputing ever since. This company has been putting me through it and back all because Credit Acceptance did not honor their words as a company. Very dishonest company I am still to this day disputing this account and Credit Acceptance each time will change from it from repo and negative to repo no data but will still have a balance of XXXX Credit Acceptance is a company I will never do business with.
Product: Checking or savings account

I made a check deposit for USD {$75000.00} on my checking account at PNC Bank on XX/XX/2022 as I can see since I am the same issuer of the check from another financial institution XXXX XXXX XXXX the funds were clear the same day XX/XX/2022 and as of today PNC Bank is saying that they need to verify the funds with XXXX XXXXXXXX XXXX, It is incredible that I have to call PNC to request them the status of my funds while they play with my money and they provide excuses. 

To further add they over draft the account and they are charging me fees and the amount that is being retained USD {$74000.00} they are unable to advise where the USD {$330.00} funds are plus ... the funds that I had in my account. 

It is incredible that a Bank of this size abuses with clients, if they can not allow clients to deposit funds of this amount they should be getting in contact with their clients and not their clients with them!