23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2024, Discover bank notified me about possible fraudulent charges. There was 3 charges. 
XXXX. XXXX - {$10000.00} - XXXX XXXX XXXX XXXX. XXXX - {$9900.00} - XXXX XXXX XXXX XXXX. XXXX - XXXX - XXXX XXXX XXXXXXXX XXXX XXXX  Discover Bank did send me a statement of unauthorized debit for all 3 transactions. Discover Bank did refund me for the first 2 transactions ; however, I was notified that they would not refund transaction XXXX ( {$5700.00}, XXXXXXXX XXXX XXXX ). According to Discover, there was " No indication of account take over, No indication of unusual online activity, and Transaction is going toward a service or account that benefits the account holder ''. That same notification said that I would be entitled to the documents that were used to make this decision. 
After calling Discover Bank, I was told that I owned the account at XXXXXXXX XXXX XXXX that the money was transferred too. I have never knowingly been a customer of XXXXXXXX XXXX XXXX I did ask for the documentation used by Discover to make the decision to to refund this transaction, but I was told that no documentation existed for this case. I was told to call back in a couple of days to get a trace ID of the transaction. In the mean time, I was instructed to call XXXX XXXX XXXX and get proof that I am NOT a customer of the bank. 
I did calXXXX XXXX XXXX XXXX and when they searched my name, they found I did not have an account with them and have not had an account with them for at least 3 years. Unfortunately, they were unwilling to actually send me any documentation to prove this, probably because I am not a customer of XXXXXXXX XXXX XXXX 
When I contacted Discover two business days later, I did receive the trace ID for the transaction ( XXXX ). When I relayed that information to XXXXXXXX XXXX XXXX  there was no record found of the transaction. Again, I could not get documentation of this, only verbal confirmation on the phone. I do have a reference number for the phone call with XXXXXXXX XXXX XXXX confirming no records ( XXXX ), but Discover bank is unwilling to use that info, they need physical documentation. 
At this point, I just end up going back and forth between banks. Discover will not reopen the dispute without documentation of me NOT being a customer of XXXXXXXX XXXX XXXX  ( I did upload a FTC Report of the case to Discover, Report # XXXX ), and when I contact XXXXXXXX XXXX XXXX they are hesitant to work with me because I am not a customer. They say that Discover bank needs to investigate this through the proper banking channels ( which I tend to agree with ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information about my XXXX XXXX Acct thats failed to correct the issues that are continuing to add damage to my credit report. My XXXX report shows me having a late payment in the month of XXXX and this is incorrect a payment of {XXXX} was made on XX/XX/XXXX of XXXX. Equifax and XXXX are also reporting conflicting dates of closing on this account. There are to many errors on this account.
Product: Bank account or service

I had XXXX in my account XXXX checks wrote for XXXX and XXXX dollars went in on one day they charged a maintenance fee for XXXX cents bringing account to XXXX and closed my account same day the next day my direct deposit entered and they told me I could not get my funds in my account unless I went to teller I did that and the supervisor denied me of any money from my account but if I had at least XXXX in positive or negative my account would have remained open the XXXX cents was a partial of a monthly XXXX dollar fee in XXXX was debited the day my deposit was credited is this fair or should the system be changed
Product: Debt collection

Upon the end of my lease and moving out of XXXX in XX/XX/XXXX, I did not receive a refund, partial refund, or any written correspondence/explanation from the complex management or their management company, XXXX XXXX XXXX within the 30 days after vacating the property as required by law. Therefore, I never had an opportunity to offer any remedies to anything they determined deficient. 

However, on XX/XX/XXXX, I received a letter from United Accounts, a credit collection agency ( see attached ) with regards to their client, XXXX. Based on North Dakota Statue 47-16-07.01 requires a written itemization of and explanation of any portion of a security deposit not paid to the lessee within 30 days of termination of the lease. Based on this, I do not believe XXXX and XXXX XXXX XXXX XXXX XXXX followed the law with regards to security deposit limitations and requirements as I never received any written communications from the apartment management. 

Furthermore, United Accounts reported a " debt '' to the credit bureaus. I mailed a dispute to United Accounts via certified mail on XX/XX/XXXX. Attached is my dispute letter and confirmation of delivery which is within the 30 days of United Accounts original letter. 

Attached is my letter to the North Dakota State Attorney General and the response from their office. 

I continue to receive letters from United Accounts demanding payment in full. ( Attached ) I am requesting that United Accounts remove this from all credit reports immediately and this matter be closed by XXXX, XXXX XXXX XXXX XXXX XXXX, and United Accounts.
Product: Debt collection

I have been making monthly payments faithfully to D & A services LLC. I have asked them to stop harassing me a payment will be made by the XXXX of each month. Each month they call and still leave voice messages This a old debt from XXXX credit card in 2014. 6 yrs later I am harassed monthly. There is a panademic and I still pay monthly. I asked them to stop calling n leaving messages and they continue to call. As long as they get there payment by the XXXX of the month on a old 2014 credit debit why harass me about it. It was said I owed {$1500.00} in 2014. I have made payments monthly and now I owe {$220.00}. I do not understand why all the phone calls daily till the end of the month. 1st call for the month of XXXX came in today XXXX at XXXX XXXX.
Product: Mortgage

My mortgage was transferred to Chemical Bank 3 months ago. Every month the bank has assessed me a late fee. I 've made my payment on time however the bank is not applying the funds to my account for several days, causing the late fee. The bank has waived the late fee each time I 've phone in. I 'm frustrated that I have to take my personal time to call the bank for a mistake they are making.
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a loan for XXXX XXXX through Affirm on XX/XX/2024 for a XXXX XXXX XXXX XXXXXXXX expierence. The loan total was {$2300.00}. When I arrived at XXXX for the event, on Thursday, XX/XX/2024. We were told by XXXX staff to redeem our qr codes for paper tickets to the XXXX XXXX XXXX XXXX XXXX. When I redeemed the ticket, the paper ticket stated the event was to be held on Friday, XX/XX/2024 at XXXX XXXX. I left XXXX Thursday, XX/XX/2024 at XXXX XXXX. A hour later, at XXXX, I recieved an email from XXXX XXXX saying there was a misprint on the paper ticket, the event was being held at XXXX, on Thursday, XX/XX/2024. Unfortunatley, due to the misprint on the paper ticket, the fact I had already left the event for the evening, and was back at my hotel an hour away, by the time I recieved the email notice with the correct time and date for the event, I was not able to attend. I asked XXXX several times for a refund for this event, because the wrong date and time was printed on the paper ticke, and I was not able to attend.. After several emails, XXXX XXXX aggreeed to refund me my money, if I dropped my dispute with Affirm over the loan I took out for this event. I asked Affirm to drop the dispute, so XXXX XXXX could refund my money. All of a sudden I get an email fro Affirm saying my case was closed and ruled in favor of the merchant. After Affirm closed the case, XXXX XXXX refused to refund me money, even though they aggreed in previous emails they would. I brought sll this information to Affirm over 20 times through emails and phone calls and Affirm refuses to do anything about this case. Affirm then put a over 30 days late remark on my credit reports, even though this case is stil being currently disputed with my bank and Affirm knows this. Affirm had no right putting negative remarks on my credit report, because active disputes in this case are ingoing. I ask that the CFBP steps in and resolves this situation with Affirm, and affirm not only gives me my money back for a event I could not attend because of fale information, but the fact that I reported this case to Affirm, Affirm wrongfully sided with the merchant and Affirm wrongully put negative remarks on my credit report, when there are active disputes with htis that are ongoing.
Product: Debt collection

XXXX Receivables XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, has been sending me collection notices for {$1600.00}, the collection has been as reported pass due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I never did any business with the original creditors where the claim the debt came from. Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( XXXX ) injunctive relief to prevent or restrain a violation of this chapter; and ( XXXX ) actual damages sustained as a result of a violation of this chapter.
Product: Debt collection

After previously requesting that Nationwide Credit not call me and to use email as the preferred communication method, they ignored my request and continue to call multiple times throughout the day. In addition to ignoring my request to be contacted via email only, they contacted a family member via phone, notified them of the debt they were trying to collect, and tried to ascertain additional contact information. The phone call to my family member was received on XX/XX/22 on/around XXXX.
Product: Debt collection

Debt collector called my employer and close relative. XX/XX/XXXX. They call all times of the day and also XXXX night.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went on my credit report to see what I could be eligible for and 3 hard inquiries were on my report I didn't recognize such as : XXXX XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I had called 2 credit places XXXX XXXX and XXXX and the both said they cant do anything without a report from the FTC
Product: Mortgage

OnXX/XX/2020 Shellpoint Mortgage Company made another withdrawal from my escrow account in the amount of $ XXXX. for insurance premium. 
Prior to XX/XX/2020 Shellpoint Mortgage Company had refunded $ XXXX for insurance premium refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX : {$3200.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXX  Balance : {$2100.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  continues to play its ridiculous game of cat and mouse and it continues to destroy my Credit along long way they have been nothing but uncooperative when it came to me finally understanding why it is that the gap insurance I paid extra money for when buying my car no longer covers the gap between the sale price of my car the insurance price of my car and was owed to the finance company. Gap insurance is purchased to cover that and they had no problem collecting my fees and splitting them up amongst each other while in the long run company insurance fraud. XXXX XXXX has no right to continue to collect a debt thats not owed its fraud that they committed and I need to see PFB to look into the matter so they know that their fiduciary responsibility is to deal with customers on a fair and equitable level.
Product: Debt collection

In response to the response made by Convergent Outsourcing , Inc. on XXXX XXXX, 2015, I am responding to the lie Convergent Outsourcing, Inc. ( Convergent ) made. Convergent Outsourcing, Inc. stated : " As of XXXX/XXXX/2015, the account became inactive with Convergent and is no longer in our office. " I have proof that Convergent is a liar. I pulled my credit report ( aka consumer report ) from XXXX on XXXX XXXX, 2015. My Experian credit report shows that Convergent obtained my credit report on XXXX XXXX, 2015. Convergent obtained my credit report AFTER Convergent supposedly no longer has the account in their office. Convergent does not have and no longer has a permissible purpose to obtain my credit report ( s ). I will pursue legal action if Convergent ever contacts me or obtains my credit report ( s ). 

I will sue if I am ever contacted, harassed, or otherwise intimidated by Convergent Outsourcing , Inc., XXXX XXXX XXXX XXXX, and the below. My legal counsel will consider gathering, retrieving, requesting, reviewing, and/or obtaining through legal and illegal means my credit report ( s ) and/or consumer report ( s ) as intimidation and communication. Communication through direct or indirect means to me or my credit and/or consumer reports via third party retrieval methods ( i.e. consumer reporting agency or agencies ) is prohibited acts of communication. 

As such : I may not be further contacted and harassed by 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 ; The XXXX XXXX ; XXXX XXXX ; Convergent ; Convergent Outsourcing, Inc. ; XXXX XXXX XXXX XXXX , XXXX ; and anyone and anything that not specifically mentioned herein but may have been, may be presently, or may be future connected or related to any and all of the aforementioned. 

The aforementioned may not sell or transfer to another the time-barred alleged debt so that others may not harass me over a time-barred alleged debt. The aforementioned and anyone and anything that not specifically mentioned herein may not gather or retrieve my credit report ( s ) and/or consumer report ( s ) via permissible purpose, FCRA 604, 15 U.S.C. 1681b. The aforementioned do not have and no longer has a permissible purpose to gather or retrieve my credit report ( s ) and/or consumer report ( s ). XXXX XXXX XXXX XXXX has acknowledged my cease communication requests pursuant to Section 805 ( c ) of the FDCPA, 15 U.S.C. Section 1692c. 

As such : The XXXX XXXX XXXX XXXX and the aforementioned will be in violation of FCRA 604, 15 U.S.C. 1681b and Section 805 ( c ) ( XXXX ) of the FDCPA, 15 U.S.C. Section 1692c if the aforementioned or anyone and anything on behalf of the aforementioned gather or retrieve my credit report ( s ) and/or consumer report ( s ). 

If aforementioned gather or retrieve my credit report and/or consumer report, I will pursue legal action. If the aforementioned communicate with me, I will pursue legal action.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Credit Reporting Dear CFPB, I am writing to formally file a complaint regarding inaccurate and misleading information on my credit report. The reporting in question appears to violate the Fair Credit Reporting Act ( FCRA ) and potentially other consumer protection laws. 
Details of the Complaint : 1. Inaccurate Balance and Status Reporting : o My credit report reflects an account with XXXX XXXX. The account is reported as Collection/Chargeoff with a balance of {$24000.00} and a past-due amount of {$12000.00}. However, I believe this information is inaccurate based on the following : The balance and past-due amounts are not consistent with my records. 
The account status may not have been updated to reflect recent activity or payments.

2. Duplicate Reporting of the Account Across Bureaus : o This account appears to be listed multiple times across XXXX, XXXX, and Equifax. Duplicate reporting has caused significant harm to my credit score and misrepresents my creditworthiness.

3. Failure to Provide Accurate Comments : o The comments section contains misleading and potentially inaccurate language, such as Charged off as bad debt and Unpaid balance reported as a loss by credit grantor. I am concerned these comments unfairly damage my reputation. 
Steps I Have Taken : I have contacted the creditor and credit reporting agencies to dispute these inaccuracies. Unfortunately, the issue has not been resolved, and I have not received a satisfactory response. 
How This Affects Me : These inaccuracies have negatively impacted my credit score, leading to denials for credit and increased interest rates. This situation has caused financial harm and unnecessary stress. 
Requested Resolution : I am requesting that the CFPB investigate this matter and ensure the following : 1. The account details are verified and updated to reflect accurate information.

2. Any duplicate entries are removed from my credit report.

3. The creditor and credit reporting agencies comply with FCRA requirements to ensure my rights are protected.

I have attached copies of my credit reports, correspondence with the creditor and credit bureaus, and any supporting documents for your review. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

on XX/XX/2021, Mariner Finance, ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

I have been trying to get into with Transunion credit reporting company about identity theft and fraud accounts on my credit report, I have been denied access to my report, and have not been above to talk with someone on the phone these issues either way. I know have a problem what is there problem.
Product: Checking or savings account

I had my husband find this account slowly at {$150.00} increments and upon trying to withdrawal the money it seems the account has been locked. I want this account closed and to receive the funds due.
Product: Credit reporting, credit repair services, 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 XXXX  Account Number : XXXX Account name : XXXXXXXX XXXX XXXX  account Account number : XXXX 15 U.S.C 1681 Section 602 A. States i have 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 then 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, SelfXXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SSN # : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Dear : XXXX, XXXX AND EXPERIAN I am writing to dispute the following information that appears on my [ XXXX or Experian or XXXX ] consumer report : Dispute : " XXXX   XXXX XXXX XXXX " File Number : XXXX " I don't recognize the accounts in question. 
" I'VE BEEN MADE AWARE OF SAME NAME REPORTING " I HAVE NO KNOWELDGE OFNTHIS ACCOUNT Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I received an invoice for payment for XXXX XXXX apartment for {$3000.00}. After receiving I contacted the collector and sent off form explaining im not responsible and that this is the first time i was hearing about the debt. She informed me it was marked the same day i moved out the apartment. The complex went straight to creditors. I also informed the young lady that i want an investigation in the matter and willing to go to court. I have text messages with the complex through moving process. Which i started being harassed because I asked to get out my lease due to a roach issue and mildew smell that I believed was making me sick. Also my property was being damaged and tampered with. Feeling of stress and overwhelmed living there. I had to get cameras. Also went 1.5 without consistent hot water and air conditioning. 
I had two follow up phone calls with a young lady from agency that called. Explaining i sent in letter and also asked process. I had until XXXX to send back response and i sent it to them. Also informed them I didnt receive any communication from the complex. Also i was asked to moved so i should not be charged any additional fees. 
Once again i reached out to rent recovery solutions in Georgia asking about status because i am now seeing this on my credit report. On XX/XX/XXXX I contacted the agency again bounced around and sent to an XXXX and a XXXX XXXX. As of today I have still not heard from them. I was told that I didnt send in the correspondence and until then then cant do anything. I asked how could I receive another one. I was told I couldnt because its past the date. I have been in communication with the agency since receiving the first and only attempt. It should be illegal for a complex to lie, harass and collect fees when being asked to move.