23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

You Violated the United States XXXX Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. 

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.
Product: Debt collection

My account was initially opened on XX/XX/2014 and my charges in total of tuition and other fees amounted to $XXXX. This debt is subject to Louisiana Civil Code Tit. XXIV, Art. 3494. Actions subject to a three-year prescription(1) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board;(2) An action for arrearages of rent and annuities;(3) An action on money lent;(4) An action on an open account;  and(5) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties.I mailed a notarized letter stating this information to General Revenue Corporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is showing that I had a late payment in XXXX of XXXX. XXXX XXXX sold my account to XXXX XXXX in XXXX and then XXXX XXXX sold my mortgage to XXXX XXXX XXXX who still owns the account. So XXXX XXXX XXXX  should not be reporting and information on my report.
Product: Debt or credit management

Received a call from Citibank saying our card was charged in AZ and we are in PA. They transferred me to XXXX who had my credit info and then offered debt relief program through the Federal government. 
I got his phone number and first name. XXXX XXXX XXXX XXXX. 

I also contacted XXXX and they stated they do not offer Debt Relief through the Federal Government. 

I reported this to XXXX too.
Product: Credit card

I lost my wallet on XX/XX/2023 ( end of XXXX ) ( police report filed ) which included XXXX credit cards and IDs, I contacted BestBuy which I have XXXX credit cards with immediately before the purchases to cancel the old card and give me a new card with new numbers, they did what I said and I got the new cards but fraudelent charges still happened even though I had new cards and new numbers. I even got a call from Best Buy fraud department about charges and asked if I approved of them and I told them NO! I've been calling for the past 2 months and I still have a balance and they told me their fraud department takes 2 months to investigate the charges, I have been making the minimum payments and was told I would receive the money back for the monthly payments and the fraud charges ( total balance ) would go away. I called again today and the women told me the fraud investigation finished a while ago ( for a different best buy card ) and she is going to add the charges of {$1600.00} ( fraud ) to the investigation but I thought it was already been investigated 2 months ago! I just figured out they have been lying to me about making the monthly payments and I find that Best Buy Credit Cards are all a scam since every phone call is outsourced and sketchy,
Product: Credit card or prepaid card

Bank of America charged me an annual membership fee on a credit card I had already asked to close. They removed the account from my online login but continued to take the annual fee out of my checking account.
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX in XXXX XXXXXXXX florida double charged me {$80.00} on XX/XX/22. I contacted my bank. Wells Fargo to dispute the double charge. I was then told the case had been closed because the retailer told them the charges were made and proven? At the time of service the retailer told me my card did not go through although it did and I re ran my card therefore was double charged and have the statement to prove it.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain discrepancies in the information being reported on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). This is the second time I reported this issue to XXXX ; however, there is still inaccurate information on my credit report. Under 15 U.S.C. 1681e ( b ), when information is challenged by a consumer, a CRA must in fact investigate the accuracy of an underlying disputed debt between a consumer and a creditor as part of its statutory obligation ( 1 ) to use " reasonable procedures to assure maximum possible accuracy of the information '' in its credit reports; and ( 2 ) to " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. The Acct ( XXXX XXXX  Acct # XXXX ) reported on my credit profile has multiple inaccuracies such as Date Reported, Lasted Date Of Activity, and Payment History. Transunion reported Date Opened XX/XX/XXXX and XXXX and XXXX reported date opened XX/XX/XXXX. The XXXX ( last date of activity ) is inconsistent meaning there's conflict that this debt could have been illegally re-aged which is an additional FCRA violations. Date Reported and Payment history are also inconsistent within all three credit bureau. If Transunion has verified the debt and did an investigative then there shouldnt be any misrepresentations being reported on my credit profile. 

Payment History Transunion listed ( NONE LISTED ) XXXX Has history reported XXXX Has History reported Last date of activity Tranunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date Reported Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Falsified credit information can result in a lawsuit and damages resulting X> {$1000.00} per error. I would like an actual investigation, proof/ copy of original contract rectifying accuracy and verifying owe debt or account deleted from my credit profile within 30 of date.By continually reporting erroneous information on my credit report, Transunion is violating Section 1681 i of the FCRA ; and ( 2 ) generally alleges that Transunion failed to follow reasonable procedures to assure the maximum possible accuracy of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a letter to the bureaus stating I had not received any info back on my disputes. Pursuant to 15 USC 1681i this is a violation of the law. I believe these companies have been ignoring me and they had 30 days to respond and did not. Any violation of the FCRA immediately calls for deletion and I have listed the accounts that were already inaccurate and misleading. These companies are not only in violation of the FCRA but also the FDCPA pursuant to 15 USC 1692e. Clearly, the law isn't stopping these companies from committing fraud. They also have no written permission by me pursuant to 15 USC 1681b ( 2 ) to funish anything to my consumer report. These items need to be deleted immediatly. You are in violation of 15 USC 1681i, 15 USC 1692e and 15 USC 1681b ( 2 ). I am seeking litigation.
Product: Payday loan, title loan, or personal loan

I borrowed {$1200.00} from this company but only received {$1000.00}. Ive paid back {$1400.00} as noted in the contract and now the company wants an additional {$5000.00}. Additionally the company went as far as writing a fraudulent check in my name and forged my signature in an attempt to withdraw more money. They have also file a XXXX against me and are still attempting to take more money after.
Product: Checking or savings account

On XX/XX/XXXX I used my Robinhood debit card to purchase an XXXX. I didnt receive the service that I paid for and XXXX  never reached back out for a resolution so I went through my card dispute team to get it resolved. They told me the merchant never responded, but also still denied my claim. Even though I had proof I did not receive anything.
Product: Checking or savings account

On XX/XX/year>, I opened a Bank of America checking account at the XXXX branch ( XXXX XXXX ). 

I have made numerous low dollar amounts ever since ( for example, depositing cash at the ATM, making online purchases through XXXX, and making one or two XXXX transactions, as well as making day-to-day normal purchases such as coffee, food, and groceries. 

On XX/XX/year> I reported an ATM malfunction owned by the bank. I attempted to deposit {$2000.00} in which the ATM accepted only {$200.00} of the bills and never returned the rest to me. By advise of a branch employee, I called to file a claim and reported the ATM malfunctioning. I was told that everything should be resolved by XX/XX/year> so I have waited. 

Today, XX/XX/XXXX, I was on my way back from a trip to take my car out of the airport garage in XXXX XXXX XXXX. I live in New Jersey. When attempted to pay to get to the airport, my debit card got declined as well as my online access got locked. I found a local branch in XXXX so I stepped in to get it fixed. 

To my extreme shocked, the bank employee as well as the manager told me that the bank decided to close my account and couldnt give me a reason. I asked all questions related to this but to no avail. I cried when they told me I cant even get the rest of my balance in cash and left me stranded in a foreign city, away from home and with no ability to get my car out of the airport garage.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Equifax, and Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I believe this information may be linked to the exposure of my personal information during previous and recent data breaches. Which compromised sensitive information for millions of consumers and could have contributed to the inaccuracies or fraudulent activity on my credit report. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at : XXXX  Account XXXX : XXXX Date opened XX/XX/XXXX Hard Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX This breach has resulted in a hard inquiry and fraudulent collections appearing on my consumer FICO credit report. I've attached the hard inquiry in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or the hard inquiry appearing on my consumer credit report maintained by you ; were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

I am also writing to dispute incorrect variations of my name, phone numbers, and addresses listed on my credit report under the Fair Credit Reporting Act ( FCRA ). Accurate information is essential for fair credit reporting, and it is my legal right to have this inaccuracy corrected.

Per the Fair Credit Reporting Act, Section 607 ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of information reported. The inclusion of these variations does not reflect my true name or address, which is : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Resubmitting this to fix the fair resolutions that should read * We want our property back ... 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Today we were shocked to get tones of calls that our property was sold at the auction this morning. Breaking the federal dual tracking law. They also broke Washington State law which will be another complaint. When I called PHH/Ocwen today and talked lenghty to XXXX XXXX while recording her, she just kept spinning and sent me to the trustee sales lawyer at XXXX XXXX and the county sheriff. 
When I asked her about my modification application status, she said she has nothing in file so I explained to her that when I called on XX/XX/XXXX, they told me that Ocwen had transferred my file to them PHH and they will review so the sales which was then on XX/XX/XXXX can be postponed We then received a letter dated XX/XX/XXXX that our file wasn't complete and they can't review it which again is within 15 days that Washington State requires for the review. When I called them on XX/XX/XXXX that I filed for bankruptcy which was the only way then to stop the sale, they told me that they had cancelled the sale and will review my application. So we were waiting for the follow up after ressending the whole application. She said she has nothing on file so when I asked her what document was missing per the letter their sent us on XX/XX/XXXX and she wouldn't respond. When I asked her when was the letter for XX/XX/XXXX sale send to us, she had no information to tell me and asked me to call the trustee lawyer, which again we didn't receive anything from. 

Talking to the trustee lawyer, he said the house was advertised on XX/XX/XXXX and they didn't have be sure that we received the documents postponing the sale. He then said they sent us a certified mail, which I asked if he has a day which we picked it up, he said he isn't required to know that I received it. Again we never received it. Its pretty clear that their violated Washington State RCW6124031 This is just weird, and this sounds like from a movie and we are going to fight this to our last breath. I talked to the Trustee firm to XXXX XXXX who seemed nice but it's pretty clear to me that their didn't even advertised the XX/XX/XXXX sale which beg the question on their practice stealing people 's house to the benefits of their hidden network. The property supposedly sold at {$1.00} when a similar property sold {$1.00} next door. XXXX seemed very understandable but I wonder what he doesn't know. He tells me that letters were sent to us. Who sent them and how come we never receive them and he also said they aren't required to know that we actually received them. I also spent time discussing our bankruptcy with the Trustee and he said my case was dismissed even though still active. We had some paperwork to provide to the court but they still sold the house.
Product: Debt collection

XXXX XXXX bought a debt from XXXX XXXX for a credit card I could n't pay after Iost my job inXX/XX/XXXX. They bought the debt in XXXX and they contacted me inXX/XX/XXXX and I agreed to pay the full balance of {$480.00}. I told them that I would pay this balance because I did n't want it to be put on my credit report as a collection.A couple months afterwards, I checked my credit report and they put it on my credit report anyway. I have contacted them several times to remove this collection but they will not. I can not understand why they would put it on my credit report in the first place. They were paid in full.
Product: Debt collection

My rental agency that I rented 3 different homes from over 7 years without a single problem was trying to have me pay for an upgrade of a house I rented for it ( the house had now been sold ). They refused to do inspections with me before I moved out of the house in XX/XX/2015 after I had requested for one several time. And they had not refunded my {$760.00} deposit till now. My problems with this agency started when I decided to purchase my own house and got another agency to assist me with the purchase ( I have my own home now and glad I did ). This is just a case of a mean and bad spirited agent trying to destroy the good credit score that took me years to work for. They should have filled a lawsuit if actually they had any case against me. I hope you guys will get to the root of these and reinstate my credit score to it 's original version. I owe this agency no money but they are still holding on to mine. It is injustice for this to be allowed by the credit reporting organizations. This is nothing but an exploitation by this rental agency.
Product: Money transfer, virtual currency, or money service

Im trying to link my PNC bank account to my investment account for transfer the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX XXXX about this hard inquiry on my equifax report, I dont have account or have credit or inquiry for XXXX XXXX in their system. 
Spoke with equifax to please remove hard inquiry multiple times they continue to report it on my equifax, XXXX there is no hard inquiry but equifax continue to report it.
Product: Money transfer, virtual currency, or money service

I joined ebay on XXXX, 2018, and set up a paypal account. After numerous sales, paypal decided to close my account due to " risky sale ''. I was notified that my money, XXXX would be held for 180 days and then released to me. I received an email from paypal stating I could access this money but the account will not let me add bank account to transfer money and/or send the money to a family member. I have complained by email twice and received form type responses. I called on two occasions and they have told me that there is nothing they can do. I would like access to my account and money. Thank you for your time and consideration. 

XXXX XXXX.
Product: Debt collection

This credit card shows as a derogatory mark in my credit report. I submitted a dispute trough XXXX XXXX and it has been two months and the account is still under investigation.
Product: Money transfer, virtual currency, or money service

Please see the attached screen shots of a financial institution that was added to my account without my knowledge or authority. XXXX XXXX XXXX does not belong to me or to anyone that I know. As you can see in the screen shot and on my account, XXXX  is unverified. XXXX XXXX XXXX is my account attached to my debit card which is my only and default account. My account was compromised and another financial institution was added to my account as the default. Please see below the transactions totaling {$380.00} that were transferred to XXXX XXXX XXXX  all in the month of XXXX. As you can see before XXXX, my transfers went to the appropriate default financial institution which is XXXX XXXX XXXX. 

I have not removed the XXXX XXXX XXXX until after Venmo further investigates the unauthorized access to my account and my money is recovered. 

Venmo customer service continues to send me responses stating that there was no unauthorized transactions and went on to state that I added the 2nd bank account and transferred the money to it. In so many words accusing me of fraud. I requested a supervisors and a call back with no response. 

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

This is a XXXX  loan from XXXX. Also the original amount was XX/XX/XXXX of the balance. This account should be long gone off of my credit.
Product: Student loan

I have been having issues ever since payments resumed for me in XX/XX/2024. I paid my loans, fortunately printed my loan details but then they reapplied the payments in a backwards method - the total principal was the same but the principal per loan was incorrect. Fortunately before they migrated platforms I printed loan details. 
Total principal XX/XX/2024 {$11000.00} Total now after a payment was sent XX/XX/2024 {$11000.00} How did my principal go up by {$83.00}?? 
I am also missing a payment or refund of $ ( XXXX ). In the past when I made an overpayment the overpayment was applied to the next loan, in this case it was listed as a credit to the loan. I want them to fix my loans and not charge interest as they have once again messed up my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Fraudulent 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account Name. Account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX*15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2 . It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX XXXX  XXXX XXXX Remove from my credit report please, thank you
Product: Payday loan, title loan, or personal loan

1. Due to illness, PenFed {$5000.00} check was stale when went to deposit at bank.

2. Returned voided PenFed check to PenFed.

3. Have not received credit for unused PenFed check.

4. Moneys not deposited to my PenFed Account ( s ).

5. Been billed for never deposited money to my PenFed Account ( s ) 6. No more money in my PenFed Account ( s ).

7. Now, PenFed threatens to ruin my credit rating.

8. Have not been able to speak to a live person!!!

9. Am XXXX  year old veteran. 
10. Will see oncolgist tomorrow to determine if I need a new XXXX XXXX or another XXXX XXXX ....