23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX of XXXX ( XX/XX/XXXX {$1400.00} & XX/XX/XXXX {$1500.00} ) I submitted two payments to this Paypal Mastercard. I called the company to request a replacement card to use, I was advised that the account was closed. I was given the run around multiple times. I requested that the call be escalated to a manger. The manager advised me that the payment was being refunded. Each time an agent spoke with me they would tell me something different. Agents have confirmed my address and told me that the payments were being refunded. When the money was never received, I called and then was told that my payments were returned and not paid. I was asked for bank statements showing where these payments were taken out. Then when I submitted the information requested, I was told that it was insufficient and did not show the money being taken out. I was told that I could not redact any information from the statement, and everything had to be shown. I resubmitted my statements approximately four times. Each time there was another reason why the money could not be refunded. It was escalated and I was promised that someone would " look into it '', I never heard back from the agent again. I did however receive a response from another complaint telling me that they could not access the bank. This is outrageous! I have never heard of such information. To string me along, take my money, not have the decency to respond to me and the inquiry and meanwhile I am still without the funds, is abominable! I can reach out to the bank, and they will still provide me with the same information that they have been since this started. They have the audacity to request payment, from where, I have no money! This company is run by individuals that steal from people and get away with it because no one is willing to help! They reach out once, promise to respond then never do. They hide behind the fact that they can continue these practices without recourse. XXXX XXXX was the latest agent to join the crusade. Feigning a willingness to assist and then a blatant disregard for any form of decency.
Product: Credit card

I applied for a SECURED credit card with Citi bank. Upon receiving the card I activated it. I tried to add the card to my XXXX and I was told I needed to verify my account. I called in to verify and since my phone number did n't match my account, they said they could do nothing for me. I called several different representatives to finally get the option to fax in my personal information ( id, social security card, and proof of address. ) I did so. I called to check on the status of my account and they said my paper work was not accepted. I sent in everything they asked, why was it denied? I came to the conclusion I wanted to cancel the card. They will not allow me to do so. I 've had the account since XXXX XXXX, I 've called OVER 40 TIMES. I have yet to have my issue resolved and they still have my {$200.00} deposit and will not let me close my account. I even went into my local Citi branch to verify but, they told me I could not do that there. Please help me, I just want to close my account so I can build my credit elsewhere.
Product: Credit card

I have no knowledge of this account I was told its nothing they can do at the moment
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis XXXX XXXX XXXX is providing false and damaging false information on me to my XXXX companies
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
US DEPT OF EDXXXX # XXXX has violated my rights. THis account has been paid however on XXXX they are reflecting negative i demand that the full completeness of these accounts be updated there are XXXX student loans with same account number they are reflecting paid on time on each other credit agency 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 if the person knows or has reasonable cause to believe that the information is inaccurate. 
Chapters
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage account was mistakenly reported in XXXX of 2019 on my equifax credit reporting resulting in the removal of the tradeline. Have contacted XXXX  and equifax to have this account verified as accurate. Several complaints and Months later, XXXX  states it's been reported to the credit bureau while equifax is stating it has not been reported. Below are both letters to indicate someone isn't being truthful or accurate in they're statements. This missing information on my credit report is resulting in a loss of credit score by 21 points, damaging my credit worthiness.
Product: Checking or savings account

Complaint by XXXX XXXX XXXX, re bank fraud on my Key Bank accounts Case Number XXXX Key Bank Mail Code XXXX XXXX Public Square XXXXXXXX XXXX XXXX XXXXXXXX Summary : Key Bank failed to hold my account information secure, so my info was hacked by the criminals. The criminals had my account number, my phone and my address when they contacted me by phone claiming they were from Key Bank on an XXXX phone line. They tricked me into giving them the code that was generated by key bank since the criminals were already in my account. The criminals stole {$30000.00} from my personal accounts and line of credit and transferred it to my small business account. They then activated direct withdrawals in the amount of {$30000.00}. 
Key Bank systems failed to catch these transactions : 1.that the criminals activated my entire line of Credit, ( {$25000.00} ) and moved it to my personal account 2. the criminals moved that {$25000.00} plus {$5500.00} from three other personal accounts and 3. Transferred the personal funds to my business account ( which had a balance of {$120.00} ) Key Bank was alerted within 30 minutes of my receiving the fraudulent call and informed of the transactions happening in my accounts. Another member of the fraud department also called me within a few minutes, and I reiterated that the transfers were fraudulent.

Key Bank did not stop the Transactions. 
XXXX sent me a letter saying they approved my fraud claim. However, they only retrieved about {$15000.00} from the bank the funds were fraudulently sent to. 
XXXX then turned me over to a collections agency for {$13000.00}. 
My attorney filed a dispute with Key Bank on XX/XX/year>. No response from Key Bank to date. 
On XX/XX/year> I filed a fraud crime report with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The XXXX XXXX is XXXX
Product: Vehicle loan or lease

XXXX XXXX notified me today when I paid my monthly car payment online, that starting next month I will be charged a {$3.00} XXXX XXXX XXXX XXXX Fee unless I enroll in AutoPay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Criminal record was added to my personal file on XXXX/XXXX/2022 This action should not be reported on my personal credit. This was a situation that I was not charge of. This is information on my report is not true. This needs to be removed from my personal records. 

15 u.s.c 1681 section 602 A. States I have a right to privacy 15 u.s.c 1681 section 604 A Section 2 it also stays consumer reporting agency can not furnish a account Without my written instructions
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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

File a dispute with Experian which DID NOT investigate this and left it unchanged. This account is the result of identity theft and Experian is refusing to correct it. XXXX XXXX deleted it from other credit bureaus. 
I initiated the dispute on XX/XX/XXXX, and by XX/XX/XXXX their " investigation '' was done. However, you can see by the dates below, which show on my credit report, that no investigation took place and the account was last updated on XX/XX/2022. 

Account info : XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Account number : XXXX Account type : Collection Responsibility : Individual Date opened : XX/XX/2022 Status : Collection account. {$1.00}, 334 past due as of XX/XX/2022. 
Status updated : XX/XX/2022 Balance : {$1300.00} Balance updated : XX/XX/2022 Recent payment : XXXX XXXX Monthly payment : {$0.00} Original balance : {$1300.00} Highest balance : {$0.00} XXXX Months On record until : XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

Hello i didn't try to get credit from that company.
Product: Payday loan, title loan, or personal loan

Got the loan n didn't have any way to make payments
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I noticed that my credit score dropped nearly XXXX points. I investigated on my XXXX report and found XXXX nearly identical XXXX figure balances reported by MOHELA. This is FRAUDULENT, I am a victim of MOHELAs consistent unethical student loan practices at every turn. I was about to buy my first home, and now my process must be delayed until MOHELA removes this inaccuracy. MOHELA ACTS INTENTIONALLY. The balances are NEARLY - but not actually identical so that the credit bureau would notice this was a duplicate error. 

This company needs to be immediately penalized and punished. My student loans need to be forgiven after this. 

I DEMAND JUSTICE! STUDENT LOANS ARE PREDATORY BY NATURE. MOHELA IS A SCAM COMPANY WHO PREYS OFF OF US. This is a DISGRACE!!!!!
Product: Money transfer, virtual currency, or money service

I had a check deposited into my Venmo account and I haven't been able to use or access any of the funds. They wanted ID and social verification and I sent that to them twice and still haven't been able to access the XXXX $ that are in this account.
Product: Credit reporting or other personal consumer reports

Experian has a paid car loan on my report thats in collections by error, the car was paid in full before it was sent to colloection, after speaking with the bank itself who agrees that it should not be in collection, i filed several disputes explaining this is an error, they still says is verified, i never recieved anything showing proof its verified, There is no dollar amount to collect wich it clearly says on the account, Spoke to bank several times and they are certain that they have not recieved anything about this and agrees it should not be there and needs to be removed from all three beuros, nor has Experian remove the past addresses from my personal information from my previous complaint, i need this account remove from all three beuros The accout # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed my identity thief report, my police report, submitted it to XXXX XXXX XXXX XXXX an Experian they removed this account from my report on XX/XX/XXXX I received an update on my report to my name as XXXX XXXX XXXX I contacted Experian to find out XXXX XXXX XXXX XXXX added the name to my file and updated documents to Experian in this name an they unblocked it after having my reports showing this name was used to open accounts. This is a fraudulent account from XXXX XXXX XXXX XXXX in someone else name! NOT MINE ITS IDENTITY THIEF! They have the reports!
Product: Debt collection

A debt collection agency. MERCANTILE ADJUSTMENT BUREAU, has placed a collection on my credit report in the amount of {XXXX}, to be reporting until XXXX, last updated XX/XX/XXXX. According to the WV state tax department, as of XXXX/XXXX/XXXX they are NO LONGER LICENSED to collect debt in my state. When called on, they sell debt to a sister company.
Product: Debt collection

Comenity Bank has called me at obscene hours throughout the day, and up to 9 times a day. I answered once and told them to stop calling me. They have now called my dad, not once, but twice, and given him details about my debt ( what it is for, what company, the debt I owe ). They are calling to collect a debt regarding a Victorias Secret credit card I have through them. After they called my dad this morning, I called them and told them to stop contacting me and my family ( again ). This is  getting to the point of harassment.
Product: Vehicle loan or lease

Despite assurances that there would be accommodation for the extreme impact of COVID-19, during the pandemic, Bridgecrest has repeatedly called requesting money and payment stating that we were in arrears and other times stating that they would amend the contract. I am a physician who is dependent upon the vehicle and working as an appointed expert for the state of Georgia and the entire southeastern region for opioid substance use disorders and am responsible for ensuring that this high-risk group is also protected and not disenfranchised during COVID-19. Throughout this time I have yet to receivable any funding due from the federal government during COVID or before and expect to but not in a timely fashion. While every other lender or circumstance has been mutually amenable Bridgecrest has a call center that harasses for funds with no knowledge of COVID with no mention, when asked about, COVID forgiveness/financial relief. Additionally, I am a confirmed victim of personal and professional ( corporate ) identity theft complicating the issue further because regardless of the rights I am supposed to have been afforded and all the issues above are of no interest to bridgecrest. They will not allow me to speak with anybody above the initial calling individual.
Product: Money transfer, virtual currency, or money service

XX/XX/2019 I ordered a backup camera from XXXX, seller was in XXXX. XX/XX/XXXX the box shows up empty. XXXX refuses to help and tells me I have to give the seller 3 days to respond. Upon which they tell me I was lied to about that and that it takes 7 days, then I would need to file a police report and submit it to them. Upon which I'm told they ruled in my favor but because I started a claim to protect my money with paypal, they are voiding my protection and won't return my money. 

On XX/XX/XXXX I also called paypal, who is the financial instution I used for most of the transaction and was told they wouldn't help that ebay had to do it. 

Since nobody was helping I called my XXXX which was the other portion that wasn't in my paypal and they helped and I have that portion. 

The total transaction is {$120.00}. XXXX refunded me the portion that was on my card with was {$78.00}. 

Paypal let me know since I opened a dispute outside of them they are voiding my buyer protection as well. XXXX has ruled in my favor, and now neither company will give me my remaining {$50.00} back.
Product: Student loan

I submitted a school misconduct application to Navient on XX/XX/year>. I was rejected on XX/XX/year>. The school I went to closed and it part of the XXXX XXXX XXXX XXXX  and I am a post-class member of the suit. The information provided as reason for rejection is not sufficient and does not help to know more.

" Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. ''
Product: Checking or savings account

On XX/XX/2021, I started receiving emails from a company called Moneylion thanking me for opening an account .... the problem is that I didn't open an account with them. I immediately contacted the company to let them know. They claimed they couldn't do anything about it and I had to contact their Fraud Dept. the problem is they gave me 3 different numbers, none of which ever lead to talking to a person. 

They used my email to set up the account, so I was able to go in and reset the password. Unfortunately, I am unable to determine what had already been done. The phone number used to verify the account is not mine but still remains on the account because they will not allow me to change it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My University of XXXX XXXX  loan was discharged on XX/XX/XXXX for XXXX XXXX XXXX XXXX. They use XXXX XXXX XXXX  as there servicer. However i was charged for 2 late payments between XXXX and XX/XX/XXXX. This should have never happened because the student loan was discharged on XX/XX/XXXX. See attached documentation and date of discharge.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
DPT ED XXXX XXXX XXXX DPT ED XXXX XXXX XXXX 15 U, S, C. 1681section 602 A, States I have the right to privacy. 

15 U, S, C. 1681section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681 c ( a ) ( ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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: Bank account or service

I have a brokerage account with Merrill Lynch. Having sold my stock, I wanted to have the funds wire-transferred to my Checking Account with Bank of America on an urgent basis, to be able to make an unexpected payment on XXXX, which was subject to a penalty of {$170.00} past XXXX. I spent a good bit of time navigating the website, but there was no way to do this electronically/online. I called Merrill Lynch and was placed on hold for 30 minutes. I was unable to continue to hold and hung up. I tried again after 15 minutes, and was placed on hold for 2 hours. By then the office was shut for the day. I tried again on XXXX in the morning, and was informed by the automated system that the hold time was 3 hours! I kept holding, and finally had to hang up because I have a job. I then navigated the site, emailed and tried to chat with a live representative. I finally got through and asked for someone to contact me. A broker called me an hour later, and transferred my money. I immediately made the payment, but was charged {$170.00} in late fee charges. Since this issue happened due to delay in Merrill Lynch service, I consider this as a denial of service. If I had been able to transfer the money on XXXX, I would not have had to pay the charges. I therefore expect Merrill Lynch to reimburse me for this amount due to their problems.
Product: Debt collection

I have a debt I owe to American Express but repeated phone calls to me five or more times per day is unacceptable. What is disturbing is that the company has my email, address and phone which are current and yet, still felt the need to contact my niece who lives in another state and leave a random message about my debt. I have contacted Amex several times via phone to tell them to not violate the laws and regulations in place but they continue to call and harrass me. Even though I still make payments the best I can each month, if not multiple times per month. This has to stop!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

XXXX, I notified XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that XXXX  XXXX complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumer like me. 
Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by XXXX XXXX. 

Please feel free to contact me at XXXX According to 15 U.S. Code 1681- Congressional findings and statement of purpose. 
( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
A account can not be considered 120 days late 3 months in a row.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a debt collection on my credit report on, XX/XX/2020, that I do not recall, from MEDICAL DATA SYSTEMS D/B/A MEDICAL REVENUE SERVICE XXXX, FL XXXX. Stating that I allegedly owe {$1000.00}. I have disputed it, and I do not agree with the results of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, we received notification of a 30 day late payment to holiday inn. We disputed the late payment and confirmed with holiday inn that our account was in good standing ( see attached ). The dispute results returned, the 30 day late payment was removed for XXXX and applied to XXXX. The account is still not 30 days late. After speaking to XXXX XXXX, they said they were never made aware of a dispute, did not report a 30 day late payment and confirmed again that our account was in good standing. We submitted another dispute to experian and the dispute results came back as no change. XXXX XXXX once again confirmed that there was no late payment and that they never confirmed the inaccurate reporting. This is badly affecting my credit and has been an issue now, with no resolution for 3 months.
Product: Debt collection

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.