23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

In XXXX 2019, in order to change the direct debit account from which a loan/line of credit at M & T Bank ( XXXX, VA branch ) is drawn, I submitted in person to the branch personnel a completed form providing personal information, and account information for both the M & T line of credit and the account at XXXX XXXX from which the withdrawals were to occur. In XXXX, when no withdrawals occurred, I asked M & T via phone if the paperwork had been processed and was informed the bank would " check on it. '' In XXXX, when nothing still had been effected, I was informed the forms were " lost. '' I asked for an explanation and received the following written explanation : " I have not been able to get a definitive answer as to where the ACH revocation and authorization were routed. Let me explain about how we were routing inter-office mail at the time you submitted your request. We used to physically seal everything within locked bags, at the end of business on the day, those bags are picked up and physically dropped at our internal processing center located in XXXX, from there, they are routed internally to the departments as listed on the envelopes. To my knowledge, at no point are the contents within the bags not handled by M & T employees, unless it is for out-bound for U.S. mail. Most likely, the documents were shredded, meaning I would not be able to get the exact location as a result. '' I remain concerned that the bank has no idea what happened to this personal information which included both personal and account information and it concerns me that the bank has no apparent controls to maintain and track sensitive records. I would assume the bank has an obligation to accurately maintain confidentiality and possession of confidential personal information and am extremely concerned that it lacks adequate controls and may easily lose and/or personal information as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency keeps disregarding the laws. I have sent letters asking them to provide the original signed documents ( by me ) proving the debt is mine and have not received a response or proof. Ive shown them multiple times how they are violating the Fair Credit Reporting Act. This is holding me back from purchasing a home for my family. 

According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately. 

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 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on! 
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

On XXXX and XXXX CONVERGENT OUTSOURCING : # XXXX has violated my rights. 


This collection agency has no respect for the laws. Someone needs to hold them accountable for this.
Product: Credit reporting

This company put a XXXX XXXX XXXX account back on my credit reports after it was previously removed about 2 or 3 months ago with no valid explanation for doing it! First off this account should n't be reporting on my file anyways as its a fraudulent account and second off its 7 years old and is reporting inaccuracies anyways. I demand this account be removed again permanently from my file or my intent to sue letter will be typed up by my lawyer. There is also a XXXX account that XXXX Bank has already put a request for a deletion to the credit bureaus and this is the only one that has n't removed it yet!!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Accounts, 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 DEPT OF ED / XXXX A ccount # XXXX Amounts : $ XXXX $ XXXX $ XXXX : {$4000.00} Hard Inquiry : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXX, XXXX XXXX XXXX XXXX  US EDUXXXX Account XXXX XXXX Amount XXXX {$7200.00} US DEPARTMENT OF EDUXXXX Account # XXXX Amount : XXXX XXXX XXXX/ Account XXXX XXXX XXXX {$11000.00} /Charged Off XXXX XXXX XXXX XXXX Account XXXX XXXX : {$6000.00} XXXX XXXX XXXX Amount : {$7600.00} Account XXXX XXXX XXXX XXXX XXXX/ Amount $ XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Charged off : Account XXXX XXXX DPT ED/XXXXClosed -Account # XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 reporting or other personal consumer reports

These hard inquires were done on my credit reports without my authority. 
XXXX XXXX XXXX XXXX ONEMAIN XXXX ONEMAIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have a few loans with Chase bank. I have been unemployed for nearly XXXX months, and have been actively trying to find a job. Chase bank handed over their loan servicing to XXXX XXXX XXXX ( XXXX ). Last week, I spoke with a representative of XXXX, and found out the what needed to be paid on the Chase loans, and I asked them when I would go into default. The XXXX representative was unable to tell me when I would go into default. This Monday, I contacted XXXX with money which I was able to scrounge up, and was shocked to find out that my loan had already gone into default. I was n't notified in any way that I was that close to default. It struck me as a complete surprise. I tried talking with XXXX about my options, and they sent me to Chase which sent me back again to XXXX - ultimately XXXX huge circle of no one knowing anything. I want to know how to fix this and why was n't I better notified of my default. I 'm barely surviving as it is, suffering from diagnosed XXXX, and I ca n't keep up with these loans in this horrible economy.
Product: Debt collection

I was sent an unsolicited credit card from Bank of America XX/XX/XXXX. Shortly after, I was laid off from my job due to the economy and was unable to find a job for over a year so I used the card for gas & food during that time. I soon fell behind in the payments and most of the card debt was late payments and penalties. Unfortunately I had moved and I forgot about it when I started working again. XXXX XXXX bought the debt years later and sued me. I tried to explain my circumstances, that I was in school and did not make very much money and that I owned nothing. I 'm still driving the XXXX Impala that mother bought me when I was in high school. They refused to listen and threatened & intimidated me into signing an agreement to pay {$75.00} a month which I knew I could n't afford, but I had never had any dealings with the law so I was scared and thought I had to sign it. When I could n't pay it, they sued me. I know I have to pay it and I have been sending them {$25.00} a month but I lost my lease and had to move so I was unemployed again XX/XX/XXXX. I worked odd, temporary jobs during that time and finally found another full time job XX/XX/XXXX but I only make {$11.00} an hour and have been struggling to survive and catch up on my rent since then,. But I started paying the {$25.00} a month again then. But XX/XX/XXXX, XXXX froze my bank account and took my last {$190.00} out which meant I had no money for food and gas for over a week. When I read up on Florida Garnishment Rules, I saw that they are not supposed to be able to garnish a person 's salary if they make below a certain level and that includes their bank account if it can be proved that the money was income. The only money going into my bank account was my salary. I have tried to talk to them several times and even had my mother call them because I 'm not very informed about these matters, but they only say they are trying to collect a debt for their customer and wo n't agree to a lessor payment. It is not for a lot of money, only about {$2500.00} but I do n't have it and neither does my mother. She lost our house to Bank of America XX/XX/XXXX and we have both been trying to recover since then. We ca n't even afford a lawyer to fight them and feel like we are victims of the law and have no recourse against this unscrupulous company. We will pay the debt but we need time. I have told them that as soon as I can pay more I will increase the amount. But I need enough money for rent, food and gas so i can work and i do n't make much more than that. I would like to pay it in full now but there is no way i can do so. ( My Mother is writing this for me as I 'm not knowledgeable about these things ).
Product: Checking or savings account

On XXXX i wrote my son XXXX XXXX XXXX A check for XXXX put i accidently wrote XXXX XXXX XXXX. Thus XXXX was cashed by XXXX  but they requested on XX/XX/XXXX the written amount of XXXX so and additional XXXX was requested from my bank which is TD Bank. On XX/XX/XXXX TD bank removed escalated amount of XXXX from my account though I put a stop check on XXXX. The escalated amount put my account in the negative but was never received by XXXXXXXX XXXX when asking td bank where is the money they said it was in limbo. Went to bank 5 more times in the last month and still no resolution they don't know where the money is. Asked for Electronic transfer or check number they don't have it. This has been 45days now I'm XXXX old and this is a big stress on me I feel they are taking advantage of the elderly. ( See attached documents )
Product: Mortgage

Finance of America has lost XXXX of payments that I have sent them within a few months time. The most recent one is XXXX payment of 2022. The payment was sent by my back on XX/XX/XXXX and was delivered on XX/XX/XXXX. Finance of America lost the payment and is charging me late fees for there mess up. I sent them documentation of a bank statement copy showing the payment was made on time to the Mortgage company.
Product: Credit card

I contacted Best Buy Credit regarding a Hard Inquiry placed on my XXXX report dated XX/XX/2015. Best Buy Credit has no account or a record of application. Best Buy Credit refuses to submit a removal or resolve the situation with XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my Credit Report XX/XX/year> and noticed some things are incomplete & not accurate. I sent a letter to experian XX/XX/year> & asked them to investigate the completeness and accuracy.I received the results and noticed they did not fix nothing.They are breaking federal laws. 

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and want this fixed immediately
Product: Credit reporting or other personal consumer reports

I spoke to a supervisor XXXX XXXX for investment retrievers XXXX about a previous call to settle debt but decided they wouldn't honor the credit removal, that the rep said I would receive. He said he clearly heard the rep say that they would remove off my credit after payment and they aren't willing to honor why they previously said yes to. I spoke to XXXX on XX/XX/2023 at XXXX XXXX EST. 

They keep making inquiries on my report as well.
Product: Debt collection

I have a joint collection on my credit report. This is correct. There is also a duplicate of this same collection on my report owned by another company, but it is listed as single instead of joint.
Product: Credit reporting or other personal consumer reports

This was an account on my consumer report, that I never had, Im requesting a document with both parties signatures on there stating that we had done business, if not this is a fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by email from XXXX that my credit score dropped. I logged into my XXXX account and noticed an account I was unfamiliar with was sent to collections for a $ XXXX debt that is not mine. The account was for XXXX XXXX, which I have never done business with as they are not in my area. 

My credit is frozen at all 3 bureaus and I never received a bill or contacted by anyone before this account was sent to collections. Now some collection agency ( Credit Control , LLC ) that I have no connection to owns the debt. 

I should only have 3 account associated with my credit report, my mortgage, and two credit cards. This account has either been fraudulently opened on my behalf or it belongs to someone else. There was no notification before this was sent to collections and negatively impacted my score before I even knew about it.
Product: Credit reporting or other personal consumer reports

I RECENTLY REQUEST A COPIE OF MY CREDIT REPORT AND I NOTICED I HAVE FRAUDULENCES REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT.THEY ARE HURTING MY ABILITY TO REQUEST CREDIT XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX FACTUAL XXXX XXXX XXXX
Product: Debt collection

Call repeatedly. When phone is answered they disconnect ... then will call again later ... multiple times daily. No collections outstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and sent out letters letting both companies XXXX XXXX XXXX and XXXX XXXX letting them know this account was fraud and not my account.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I am writing to appeal the recent blockage and limitation placed on my newly registered PayPal account. I am reaching out to you to resolve this matter as quickly as possible. As a new user on your platform, I assure you that I have not engaged in any activities that would violate PayPal 's terms and policies.

I understand and appreciate PayPal 's commitment to maintaining a secure environment for its users, and I fully support your efforts in that regard. However, I believe that my account may have been mistakenly flagged or subjected to an error during the assessment process.

I kindly request you to thoroughly review my account and provide me with specific details regarding the reasons for the blockage and limitation. I would like to rectify any misunderstandings or issues promptly. I am committed to adhering to PayPal 's rules and regulations and would appreciate the opportunity to continue using your services.

Please note that the email address associated with my blocked account is XXXX. I kindly ask you to communicate any updates or instructions regarding my appeal through this email address. 

I am more than willing to provide any necessary information or documents to verify my identity and validate the legitimacy of my account. I understand that security is of utmost importance, and I am prepared to cooperate fully to ensure the resolution of this situation. 

Thank you for your attention to this matter. I sincerely appreciate your prompt assistance in reviewing and resolving the blockage and limitation on my account. If there is any additional information you require or if I can be of further assistance, please do not hesitate to contact me. 

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

You are in Direct Violation of The Fair Credit Reporting Act ( XXXXXXXX XXXX # XXXX ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt or credit management

I made a self credit builder account, was able to complete process early 100 % and all payments posted succeeded and then was given a date for when I was going to be getting my pay out as promised on XX/XX/year> all the money I put into the app I was suppose to be getting back at the end of the term which did not happen, I have email and also spoke to a agent have proof that he congratulated me and said I was going to be deposited my pay out which is XXXX before XXXX on the XXXX of XXXX XXXX  that didn't happen cause I got a email stating in order to go ahead I need to supply a bank statement which is ridiculous I was already approved and my account 100 % and payments succeeded nothing pending and was already scheduled a pay date. This is really frustrating cause I was looking forward to that money, I have bills and rent dude and now im behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX, seem to be in violation of breaking the laws 15USC1681 section 602 state, I have the right to privacy As 1681 section 604 ( a ) section ( 2 ) state consumers reporting agencies can not furnish a account without my written instructions 15USCI666 ( b ) state a creditor can't not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

report shows incorrect amount owed
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXXXXXX XXXX XXXX Account XXXX
Product: Debt collection

On XXXX XXXX my house was burned down due to a fire. The firefighters had no control over the fire due to it being on fire for more than 20 minutes. The house was very small in the XXXX XXXX, NC near XXXX XXXX. I reported the disaster to the satellite company which was providing cable services at the time and sent in the fire report, XXXX XXXX report, and the MP report. I was told by the rep. that all was forgiving due to it being a natural/ unintended disaster. I have disputed this for the last 5 years because it is holding me back from buying a home, getting a car, or just applying from credit cards. Every time I dispute they refuse to remove it from my credit report. I.C. SYSTEM, INC has been charging {$280.00} for a situation that was handled in 2014. Please help!