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

Our card was stolen from our nanny, but since the card was on autopay and really only used for recurring payments and nanny household charges, we didn't realize the fraud was occurring for several months. I reported fraudulent charges on XX/XX/22 ( give or take 1-2 days ; as noted on the statement XXXX XX/XX/22 pages XXXX ). The charges were originally investigated by the fraud team and decided that it didn't qualify as fraud and then reversed all of the credits. I sent a dispute in showing proof of the fraud and that the card was stolen, and we received letters back from barclay saying that they had re-reviewed the case and that the charges were determined to be fraudulent and that all charges would be would be credited within 30 days. After 30 days they only reversed about {$1000.00} of the charges. I called several times over the next months trying to get them to reverse the remaining charges ( {$15000.00} ) but I could never get a call back or talk to any supervisors/ managers. I was always promised a call back with in 7-14 business days but only received a call back once on XX/XX/22. He assured me he had reviewed the entire case and that the would take care of everything. He reversed another ~ {$2000.00} but not even close to all of the charges. I faxed another formal request to review the case on XX/XX/22 as well as calling in on XX/XX/22, XX/XX/22 ( spoke with XXXX # XXXX ), XX/XX/22 ( spoke with XXXX # XXXX ) all of which promised call backs from a supervisor which have never happened. My credit score is dropping and I am unable to receive a call back to even find out the status of the case or any explaination. The account is accruing interest and my credit score is dropping and I can't get anyone to call me back at all. I have attached all of the specific details that I submitted in my 3 written formal complaints.
Product: Credit card or prepaid card

My social media and e-mail were stolen and all my personal information and account were used. Even if I report it, I want to use the account again to check and get my account back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX, XXXX XXXX XXXX, STATE OF AK SUPPORT XXXX
Product: Mortgage

On XXXX, LoanCare LLC provided a Mortgage Payoff Statement ( ATTACHED ) with the following fees prohibited under Regulation Z, 12 CFR 1026.34 : Processing/Recording : {$190.00} Statement Fee : {$30.00} LoanCare did not provide a processing fee disclosure prior to charging these fees, and the county recording fee is a fraction of what LoanCare is charging.

12 CFR 1026.34 Regulation Z states : " ( 9 ) Payoff statements ( i ) Fee prohibition. In general, a creditor or servicer ( as defined in 12 CFR 1024.2 ( b ) ) may not charge a fee for providing to a consumer, or a person authorized by the consumer to obtain such information, a statement of the amount due to pay off the outstanding balance of a high-cost mortgage. 

( ii ) Processing fee. A creditor or servicer may charge a processing fee to cover the cost of providing a payoff statement, as described in paragraph ( a ) ( 9 ) ( i ) of this section, by fax or courier, provided that such fee may not exceed an amount that is comparable to fees imposed for similar services provided in connection with consumer credit transactions that are secured by the consumer 's principal dwelling and are not high-cost mortgages. A creditor or servicer shall make a payoff statement available to a consumer, or a person authorized by the consumer to obtain such information, by a method other than by fax or courier and without charge pursuant to paragraph ( a ) ( 9 ) ( i ) of this section.

( iii ) Processing fee disclosure. Prior to charging a processing fee for provision of a payoff statement by fax or courier, as permitted pursuant to paragraph ( a ) ( 9 ) ( ii ) of this section, a creditor or servicer shall disclose to a consumer or a person authorized by the consumer to obtain the consumer 's payoff statement that payoff statements, as described in paragraph ( a ) ( 9 ) ( i ) of this section, are available by a method other than by fax or courier without charge. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Afni, Inc violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
Product: Mortgage

I have an escrow account with New American Funding, they have not paid my home insurance. My insurance company XXXX XXXX provided a bill in XXXX of 2021 and it was due in XXXX. In XXXX, I received an email indicating payment had not been received to the insurance company. I spoke with a rep at XXXX XXXX. XXXX and they indicated they would overnight payment to insurance company. I follow-up and they indicted it was sent. Yesterday, XX/XX/2021, I received a letter indicating payment was not yet received. I called and spoke with a manager and they acknowledge this issue and that the error was on their side.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information. 



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Product: Debt collection

I received a notice from Credit Protection Association in regards to a debt. I set up a payment plan and also mailed the equipment back to XXXX, originator of the debt back in XXXX of this year. Credit Protection Association is reporting to the three credit bureaus for the amount of the equipment, but  this was already returned and I spoke to a representative about this as well. We set up a payment arrangement for 3 weeks in the amount of XXXX. The first payment was taken out of my account and I was assured this would not be reported to the bureaus. Well it comes to find out, they never continued with the payment plan ( I never received a call so I figured its been taken care of ), reported to the three credit bureaus anyways and also the wrong amount as well. Why did n't anyone bother to contact me
Product: Credit card

FIA Card Services has been calling me on my cell phone and at my job for about 3 months. They have called me sometimes about 10 times a day. They have my Bank of America credit cards under XXXX different accounts instead of XXXX. They have called me with a XXXX area code on through away cell phones.
Product: Credit reporting or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The caller keeps calling us from once to twice a day. They never identify themselves or who they represent and simply hang up the phone. We have told them not to call but we have no idea if they heard us since they never respond.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXXXXXX XXXX  # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> 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 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 of 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

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$620.00} ), XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$450.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Original amount {$2000.00} ), XXXX XXXX XXXX  ( Date Opened XXXX. XXXX, XXXX, Balance {$670.00} ), XXXX XXXX ( Date Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX  ( Date Opened XX/XX/XXXX Original amount {$520.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, LoanCare falsely placed my mortgage into bankruptcy. On XX/XX/year>, at approximately XXXXXXXX XXXX EST, I contacted LoanCare via their customer service phone line. I informed them that I had not filed for personal bankruptcy and was instructed to submit my proof to their legal department. On the same day, at XXXX XXXX I submitted the actual docket, which showed that a company I worked for two years ago had filed for bankruptcy. My name was not included in their bankruptcy filing. 

The LoanCare representative provided me with the name of their attorney and advised me to speak with him. On XX/XX/year>, I spoke with XXXX XXXX, an attorney from the law firm XXXX XXXX XXXX, who was handling the case. I explained the error to him, and he requested that I send him the proof. During the call, at XXXXXXXXXXXX XXXX XXXX, I sent him the docket. He assured me that he would address the issue. However, as of the date of this report, he has not corrected the problem. 

On XX/XX/year>, LoanCare continued to engage in fraudulent misrepresentation and unfair or deceptive trade practices by changing the mortgage address to a different address. Despite being presented with clear evidence, they have ignored it and appear to be engaging in willful blindness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company STATE EMPLOYEES CRED U account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Debt collection

The account was removed from my report. for the evidence you provide. This account is wrong since I changed the insurance. and this balance is incorrect and should not be on my report. I appreciate you eliminating it once and for all, thank you
Product: Consumer Loan

Obtained a boat loan from XXXX. During the course of the loan, Mariner Finance bought the loan. Paid off the loan in full over a year ago. Mariner finance refuses to give us the title to the boat and claims that XXXX never gave it to them. We are owed the title upon payment. I am XXXX military and I am unable to do anything with the boat ( to include sell or move it ) without the title. This has been ongoing for more than a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I applied for Citi bank card in sears store, they said the card will be deliverd home, but i didnt received the card and i spoke to sears store team they took the balance from me and they said they will close the card as it is not approved. 

XX/XX/XXXX : i noticed a mention on my credit report that i am a defaulter of citi bank credit card, i spoke to citi bank they said as i am not having the card number or account number they cant do anything, i spoke to sears and they said to contact credit bureau team, i spoke to them and raised the dispute.

XX/XX/XXXX : After investigation they changed that card status as closed and made it as Charge off bad debt. More than the earlier one this one is affecting adversely my credit file. i am not able to do anything as there is a charge off bad debt mention on my credit file.
Product: Debt collection

I was told that I wouldn't have to pay an electric bill and now I pay more on my electric bill with the solar panels. They lied to me and took advantage of me being a XXXX citizen. I would pay my bill and never see the balance go down. I called and canceled my service due false pretense. I continue to receive calls and emails of harassment from this company after I have filed a cease and desist against them. I am not well health-wise and this is taking a toll on me even more. I have requested my contract from Mosiac Solar Panels and they have not sent me a copy. I was told that I would not have to pay them for a year which was a lie and that when I did my taxes I would get {$10000.00} reimbursement which was also a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX Account Name : XXXX, XXXX & XXXX Account Number : XXXX Account Name : N/A Account Number : XXXX has violated my rights. Or a 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 an 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 or 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: Mortgage

My home flooded on XX/XX/2016. I got a check from my insurance company in XXXX. It was mailed to Bank of America in XXXX. They are showing it as XX/XX/XXXX ; however, my contractor has a receipt dated earlier than that. It was lost somewhere in BOA processing prior to XX/XX/XXXX. I did receive about XXXX from them but have n't received anything else. I need my first draw that was clearly outlined in all the documentation they required. My contractor will not start without a draw up front to order materials. My family has lived in a camper for 7 months. I have XXXX children that need their home repaired. Each time I call BOA, the loss claims department tells me it is being reviewed, processed or examined. Today, they told me it is an FHA loan and is being reviewed by the FHA. We are current on our loan. I am not sure why it requires such an examination for me to get my insurance proceeds. I need this process to be expedited, so we have a place to live again.
Product: Credit reporting or other personal consumer reports

On several occasions, I have sent dispute requests to XXXX, XXXX and Transunion and they are failing to respond to any dispute requests! This does not make any sense that these people are governed to respond to dispute request, and they are not. As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. I have not received any updates on these below accounts in question : XXXX ) XXXX Verification of the accuracy of the disputed information. 
XXXX ) XXXX XXXX XXXXXXXXVerification of the accuracy of the disputed information. 
XXXX ) XXXX- XXXXVerification of the accuracy of the disputed information. 
XXXX ) XXXX XXXX XXXXVerification of the accuracy of the disputed information. 
XXXX ) XXXX  XXXXVerification of the accuracy of the disputed information. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have the account reported under XXXX removed from my credit reports due to being inaccurate. I contacted XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX but XXXX and Experian have not. The latest letter I sent to XXXX and Experian to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX nor Experian, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Checking or savings account

I opened a Alliant Credit Union account about a year ago. I used the account without issue, until one week in XX/XX/2018. My account was accessed without my knowledge, its to my understanding a transfer was made to my account to make my balance more, and then the balance was transferred to another account before the incoming transfer could fail. With that being said, someone used my account without my authorization, transferred funds, and when everything was settled was my account was negative. My issue here is, A. ) I did not transfer any funds, and I had a positive balance, with no issues regarding my account, and B. ) Alliant reported this account to XXXX, so now my credit is being effected by this issue even though this is a checking account, not a line of credit or loan.
Product: Debt collection

I was contacted by phone to call a debt collector or future legal action would be taken. I called them but they refused to notify my in writing about this debt such as amount owed. I also disputed the debt with them. They are refusing to contact me in wiring.
Product: Checking or savings account

On XXXX XXXX {$25.00} was debited from XXXX rather than XXXX as it was supposed to. Rather than using the overdraft protection that I requested to come out of XXXX, the account accrued ridiculous d.a.i.l.y. fees for a simple {$25.00} balance. 

On XXXX XXXX, the full negative amount was XXXX from account XXXX, after {$150.00} in fees had racked up - rather than simply doing this from the start when the {$25.00} was initially taken. 

When I called, I was told nothing could be done as I already had a courtesy refund of fees earlier in 2017, which is untrue, those fees were requested due a billing dispute. The snotty representative told me to close the account, then. 

I work for a bank and I can tell you - this exact behavior is why customers hate us. These disgusting business practices are why banks have no trust among American consumers. I would never treat a customer like this and find it reprehensible that PNC ca n't make money in an honest way.