23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXXXXXX 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 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 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: Bank account or service

My email is XXXXXXXXXXXX and I never got to properly explain my financial complaint against PNC bank since I 'm using my cell phone to write the complaint. ( XXXX is the company for my laptop. I have a 12 month warranty on the laptop that XXXX wo n't honor so I have no service on the laptop and must use my phone. ) So, there was an overdraft. Every month, if you view the records in XXXX XXXX for XXXX XXXX rep payee account, you will see an overdraft. PNC makes crazy explanations that are inaccurate every month and this month I saw beyond all doubt that I was being cheated, this is why I had to become my own payee. I closely monitor the account and pay all bills. My mom does nothing and knows nothing when asked what happened and this PNC bank was getting over on her and disrespectfully talking to me and it drove me so crazy I threw a tantrum to get this account closed. Every month I can hardly stand their stealing. This month I just felt so caught up in all their long explanations that make no sense that I did n't know what to do but get that account closed.
Product: Debt collection

XXXX XXXX XXXX and XXXX XXXX both ceased all business and shut down officially as of XX/XX/2023 and filed bankruptcy as of XX/XX/2023 I was tricked into a lease with XXXX XXXX XXXXXXXX not a finance loan like they advertised on tv red flag one false advertisement. They sold all accounts without notice to their customers no call no email no certified mail anything now Westlake portfolio management a debt collector is harassing me and other customers to pay a debt we didnt start with no proof of owed debt no proper letter in the mail just spam calls daily from different local numbers and international numbers when asked for a debt validation letter we get hung up on or sent a email with their contact information when we request for our original contract with XXXX they never send anything theyve breached contract by selling our information and not honoring warranty which was apart of original contract with XXXX me and other customers do not feel comfortable paying a debt collection company thatll in the end crash our credit and they arent XXXX accredited
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : Credit Report Dispute Dear TransUnion Dispute Department : I am writing to dispute information that appears in my TransUnion credit report. After careful review, I have identified the following items that require investigation and correction : Account : XXXX  XXXX ( Account ending in : XXXX ) Currently showing as " Derogatory '' status This account was included in XXXX  XXXX bankruptcy The status should reflect " Discharged in Bankruptcy '' Account : XXXX XXXX  ( Account ending in : XXXX ) Current status shows as " Derogatory '' Account was included in XXXX XXXX bankruptcy Please update to reflect proper bankruptcy discharge status Under the Fair Credit Reporting Act, you are required to investigate these disputes and verify the accuracy of the information or remove/correct any inaccurate information within 30 days. 
Please send me the results of your investigation at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosures : Copy of credit report pages showing disputed items
Product: Credit reporting, credit repair services, or other personal consumer reports

Already talk to company and told they have information I paid off the account. They told me that company did not report as hard inquire and only stated account was closed. Company was aware I closed account myself. 

This problem had occurred with two other credit card accounts all the same situation and issue as well. This issue consist of closing all the same day as well ( XXXX, XXXX, and XXXX XXXX ) after paying off weeks before.
Product: Debt collection

I had a collection account from XXXX sold to this company, they call me offered me to pay the collection account with the agreement to delete it from my credit report. Theyre liars, 1 year later when I see the account still on my report, I dispute it with the credit bureau XXXX come verified with no explanation of what procedure they used to verify that false account, next I called them asked them for a letter that the account is paid in full, the guy was very rude when I confront him told him They lied to me. He said he is going to send me paid letter in my mailing address, XXXX weeks later still no letter show up. So I want them to remove that thing on my report. Because its illegal what they doing
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion credit bureau was pulled by  XXXX  on   XXXX    . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX with a date of XX/XX/2005 and a XXXX dollar balance should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX XXXX, and Experian, even after attempts of removal with credit repair company on my behalf.
Product: Mortgage

I get a message that my escrow account is short {$560.00}, I pay that, send it in, then I get another message that since I sent in the {$560.00}, they assessed my account again and found I 'm short again {$68.00}. In one month my account went up {$43.00}. This is wrong.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I am writing to submit a complaint in regards to the permanent limitation that was placed on my PayPal account, which is registered under the email address XXXX. 

First and foremost, I strongly believe that this limitation was placed on my account by mistake, as I have not engaged in any activity that violates PayPal 's policies. I have always been a responsible user of your platform, and I have consistently followed all the terms and conditions set out by PayPal. 

Furthermore, I would like to emphasize that I have not engaged in any activities that could be considered as fraudulent, illegal or suspicious. I have always conducted my transactions in a transparent and legitimate manner, and I have never been involved in any disputes or chargebacks. 

Therefore, I kindly request that you re-investigate my case and consider restoring my account if possible. I would greatly appreciate it if you could provide me with more information on the reason for the limitation, as well as any evidence that supports your decision. 

I understand the importance of maintaining a safe and secure platform, and I fully support PayPal 's efforts to prevent fraud and protect its users. However, I strongly believe that my account has been wrongly limited, and I kindly request that you take another look at my case. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

Sincerely, [ XXXX XXXX XXXX
Product: Debt collection

I received a bill dated XX/XX/XXXX from CCS for the amount of {$170.00} for a service provided on XX/XX/XXXX. I have found out it for an ambulance service apparently from XXXX XXXXXXXX XXXX. I had never received a bill on this from XXXX. I called XXXX and they sent it back to XXXX XXXXXXXX which they claimed denied it. I called XXXX XXXXXXXX and they said that XXXX had paid the maximum amount that could be paid and I needed to call XXXX. XXXX said they had paid on it and the maximum allowance was paid. That with the XXXX I am I am not responsible for any the bill. That it is a federal law. I called XXXX XXXX XXXX back and lady I talked to said she is still responsible for bill that the person I talked to at XXXX didn't know what he was talking about. I told it was a law and she told me will check into it and call me back. I feel they are giving me the run around on it. I have never paid anything on any hospital, doctor, or ambulance bills before. XXXX XXXX from XXXX is who told me to file this.
Product: Credit reporting or other personal consumer reports

I AM The Victim Of Identity Theft ; Whereas, FRAUD ACCOUNTS -AND - CREDIT INQUIRES Appear Per My Credit Report. With That Said, A Designated Police Report ; Proof Of Law Enforcement Correspondence ; And, Proof Of True Identity Forwarded As Such : FRAUD 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are being reported late and XXXX has sent XXXX notifications since XXXX that youre reporting is incorrect and you have yet to fix it. 

XXXX Credit Card has also sent you a notification to remove a late payment from XX/XX/2021. 

The other credit reporting agencies have already addressed both of these issues and you have failed to update my credit report to be accurate as required by the FCRA
Product: Vehicle loan or lease

I received a Auto loan from Capital One Auto Finance in XXXX XXXX i had no idea that a pandemic was going to impact my finances the way it did. after 3 payments Capital One sent me over the Car title with no lien holder just me as the owner. i contacted Capital one an suggested we make this into the proper loan type which would be an unsecured loan on a credit card, because i have the title and i still owe money for the loan. i was never able to reach someone to discuss the process which can transfer my Auto loan into an unsecured loan type to be a Balance transfer, so that i would be able to pay the loan off in a faster pace instead of 72months it would be 18 months 0 % APR within the terms. the dealership has contacted me and was told to ask if they could buy the car back and Capital One asked me to mail in forms to the DMV, then mail them back to them. i sent in a letter on XX/XX/2021 certified mail. now the title an car situation is in limbo when i suggested a easy resolution where the car is mine by me owning the title as of now and the money i was loaned would be paid off in a shorter time frame, everyone can be happy an settle the error.
Product: Credit reporting or other personal consumer reports

Back in XXXX  of XXXX I resisted arrest at the XXXX XXXX police station. 
After this arrest I applied for a job with XXXX. 
I was denied the job with XXXX as they stated that I had on my background check the charge of drawing or exhibiting a firearm on the grounds of a daycare. 
These charges are false and incorrect and have severely limited my ability to gain meaningful employment. They also are defamation of character.
Product: Money transfer, virtual currency, or money service

I would like to express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that has brought to light some significant issues with the platform. Throughout my numerous transactions using Zelle, I have reported discrepancies, yet my financial institution and Zelle have not conducted a thorough investigation into my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was not feasible. The findings from the CFPB suggest that Zelle has not adequately protected consumers and has allowed repeat offenders to take advantage of the system, which puts users at risk of scams. This situation raises important questions about accountability and transparency, which are crucial for ensuring consumer safety.
Product: Debt collection

We were contacted by Coast Professional , Inc. Regarding a debt with the XXXX XXXXXXXX XXXX- which is part of a tax fraud case by the accountant that I hired to do our taxes. They sent a letter to me regarding a debt that they said was still outstanding with the XXXX XXXXXXXX XXXX. I called the debt collection company and paid the total bill in full on XX/XX/XXXX. I received a confirmation number from the collection agency for the debt that was paid. I then was contacted by XXXX on XX/XX/XXXX requesting that we pay the debt. I told her the confirmation number and she looked the information up and said that the debt was indeed paid in full. I then received a call from XXXX on XX/XX/XXXX requesting that we pay the debt that was owed. I again shared with her the confirmation number that showed that we paid the debt in full. She pulled the confirmation number and saw that indeed it was paid in full. In XXXXXXXX XXXX XXXX I called the XXXX XXXX XXXX just to confirm that we had paid all debts in full. I spoke with XXXX and he said there was still an outstanding balance. The debt had just been returned to the XXXX XXXX  XXXX from the debt collection agency. I shared that it was paid over a year ago and gave the confirmation number. Today, XX/XX/XXXXXXXX XXXX XXXX  I called to see if the entire debt was taken care of. They were able to find the payment that I made through the debt collection agency over a year ago, but there is still a {$40.00} and some change amount due on the account. XXXX indicated that it was for interest during the time that it was not paid. I do not feel that I should be responsible for this interest that has been accruing during the time frame that the collection agency was holding my payment hostage for over a year from the XXXX XXXXXXXX XXXX. This is ridiculous and unacceptable. XXXX at the XXXX XXXXXXXX XXXX said he is talking with his superiors to see if I will still be held responsible for this interest payment. I feel that Coast Professional, Inc- who seems to be less than professional in their business practices- should be held responsible for this interest payment.
Product: Credit card or prepaid card

I have serious concerns that American Express ( the Company ) is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair, transparent, and equitable dispute process.

The Company is also failing to acknowledge and directly reply to my inquiries and submissions in this matter. I have made several attempts, and spent hours of hold and phone time, speaking with the Companys representatives, but have received nothing that could be considered responsive to my several statement and multiple correspondences on these disputes, which have been pending for almost 4 months now. 

These are high value items ( {$610.00} and {$640.00} ) and given the difficult economic conditions we all find ourselves in, I have serious concerns about the process, investigation, and outcome thus far. I am an XXXX XXXX XXXX  years-old, and really should not be required to be this vigilant and attentive to a matter, that by all objective measures, should have been closed in my favor some time ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/, I obtained a notification from the credit bureau ( XXXX and XXXX ) that my score had decreased by over XXXX points. This came as a surprise to me because I have always been the type of person who paid ALL of their bills on time and even set up automatic payments, so that I did not forget. Apparently what happened is one of the Ally Financial Auto, who I was paying through automatic payments, took it upon themselves to cancel my automatic payments without notifying me, and then allowed my account to go into default again without providing me any notification WHATSOEVER. Then, after 30 days of the account being in default, they sent a delinquent account notice to the credit bureaus, which then dropped my credit score. I had zero opportunity to make manual payments after Ally Financial cancelled my automatic payment, and was not notified that they were doing this to my account. I have asked for an investigation of this, and even reached out to the company, and the company keeps denying that they were at fault. I would like this to be further investigated and escalated to the highest level possible. It is impossible for a consumer to know that their account has been changed if the company does not do their due diligence to inform the consumer especially if the company also has policies and terms that state they would notify consumers if there ever is a change made to their automatic payments. They also do not provide any information about the company being able to cancel automatic payments on their companies auto pay authorization form, which I have attached also. I have attached copies of their policy. This is horrible business practice, and grounds for fraud. Again, I would like this to be investigated, and will reach out to my local state representative to bring this to their attention as well.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt. However, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my id, the FTC complaint, a copy of the NPD report showing my information being exposed in a national data breach.
Product: Credit card or prepaid card

This is a response to a closed CFPB Complaint XXXX with American Express. XXXX XXXX for American Express Customer Advocate Services Team answered my complaint and provided letters and other documents. In a XX/XX/2021 letter from American Express " Based on your credit report, you are or have been past due with other creditors. '' American Express response is troubling due to the fact I have no past due accounts with creditors. My profession is XXXX XXXX XXXX and I am updated every day by XXXX and I have yet to receive an alert about a past due account. American Express claim is bogus and a blatant lie that was caught by me during the complaint process. Since American Express closure of my account I have been approved for a {$93000.00} car loan and {$20000.00} credit card. Being past due with creditors does not allow me this luxury. Shame on American Express.
Product: Debt collection

Found out Jefferson Capital Systems is a collection agency trying to collect on a debt from XXXX XXXX XXXX but has never provided me with a notification in which I could dispute this debt. I contacted XXXX, XXXX and XXXX XXXX to have this debt removed but they ( all XXXX credit reporting agencies did not DELETE OR REMOVE THIS INACCURATE DEBT and listed it as being validated ) I requested that XXXX, XXXX XXXX XXXX XXXX OBTAIN THE SIGNED PURCHASE AGREEMENT BETWEEN Jefferson Capital System and XXXXXXXX XXXX XXXX. NOTHIN G HAS BEEN PRODUCED AND THIS DEBT IS BEING REPORTED AS VALID, ACCURATE WHICH IS NOT TRUE. In addition, the amounts being listed on this collection account is absolutely wrong and inflated. I NEVER HAD A {$1400.00} CREDIT CARD IN MY LIFE!!!!!!!!!!!!! I WANT THIS DEBT IMMEDIATELY REMOVED FROM MY XXXX, XXXX AND XXXX XXXX CREDIT PROFILE!
Product: Credit card or prepaid card

I had XXXX fraud claims. XXXX for an unauthorized money transfer for XXXX. This was due to a fraudulent text saying I was locked out of my XXXX account. This issue was resolved in my favor. The same person who took my money the first time took XXXX out of my account XXXX weeks later. I filed a claim, changed my entire email, passwords. My claim was denied. Theres even an unauthorized number set up for alerts to further prove XXXX innocent. I also have the fraudulent text. I will attach several phone numbers listed under my alerts from both claims that do not belong to me. Furthermore, Bank of Americas XXXX site link to change alert phone numbers is invalid.I dont understand how they same information applies but Bank of America XXXX this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX/XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my Experian, XXXX  and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 credit bureaus and  XXXX/XXXX  with no successful resolution. Experian, XXXX, and XXXX  only reporting me 30 days twice in XX/XX/XXXX and XX/XX/XXXX, this was definitely an error on their part. I was never late 30 twice.
Product: Credit reporting or other personal consumer reports

I currently reviewed a copy of my credit report and noticed that they are fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit.