23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I use credit Karma money spend checking account. On XX/XX/XXXX my account was locked and put in review. I have called everyday and no one will answer any questions. Each time they say watch from an email from the team today. Each day nothing. I check every 5 minutes. I work for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I work XXXX hours a month. That's XX/XX/XXXX overtime hours. I deserve to access my funds. I have XXXX children and in the last week I've been unable to purchase XXXXXXXX XXXX for my son. Get Groceries and pet food. Gas for transportation so my son missed his XXXX appointment. Unable to pay my auto insurance renewal that was due the XXXX. Now the policy is cancelled. I want my hard earned funds now.
Product: Credit reporting or other personal consumer reports

There is inaccurate information reporting on said consumer report. According to 15 USC Code 1681s-2, an agency is responsible for providing accurate info. Also I have no late payments. There is a violation of 15 USC Code 1681a. XXXX XXXX, XXXX # XXXX XX/XX/2023 and XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is on my credit report. 

XXXX XXXX XXXX Account number XXXX Original creditor : UNIV XXXX XXXX XXXX {$320.00} Collection opened XX/XX/2019 0 % paid off My tax return has been taken this month to pay off part of this debt, but Experian will not correct the amount on my credit report. 

$ XXXX $ XXXX {$180.00}
Product: Credit reporting, credit repair services, 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. 
Account # XXXX and Account XXXX 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 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.
Product: Debt collection

XXXX  sent to XXXX XXXX from XXXX XXXX XXXX to my residential address. I have never heard of either company. 
Biehl & Biehl Inc., XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, a debt collection company, is now sending mail to my address trying to collect this supposed debt. 
Biehl & Biehl has many complaints against it on the XXXX  website for this exact same thing. Often in XXXX  with XXXX XXXX XXXX. 
XXXX from Biehl & Biehl received on XX/XX/year>. Trying to collect {$50.00}. 
Returned letter to Biehl & Biehl marked 'no such business at this address. '
Product: Debt collection

I am frustrated by your bureau 's failure to remove fraudulent accounts despite confirmation from associated banks of a system glitch and inaccuracies. The banks assured me of immediate removal. XXXX has promptly acted. Your bureau 's delay is causing distress, and I insist on immediate removal, as agreed upon with the banks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I filed and completed a chapter  XXXX  bankruptcy and liste d Merchant Credit Adjusters Inc. as a creditor. Merchant Credit failed make claim during the bankruptc y.     Once the creditors were notified that the bankruptcy wa s discharged Merchant Creditors files  a claim of garnishment, violating my rights under the bankruptcy laws. This is not a collectable debt.     Bankruptcy Case No :  XXXX  Merchant Credit Adjusters Lawsuit {$510.00} Case  XXXX   XXXX   XXXX
Product: Debt collection

I am composing this letter to request the deletion and removal of certain accounts and associated information from my consumer report. The accounts and information specified below should not be reported on my consumer report, as their presence constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I urge you to promptly delete and remove these accounts and information from my consumer report, as their continued inclusion is in clear violation of several legal provisions. I insist on their immediate removal!
Product: Money transfers

I have a Traditional and Roth IRAs money market accounts with Ally Bank. I 'm in the process of trying to transfer those funds between XXXX other FDIC insured banks so that all of my IRA money will be Federally insured. I signed, dated, and mailed the " IRA Transfer Requests '' applications from these XXXX banks to them. XXXX of the banks in turn submitted this signed request form to Ally Bank to start the process of transferring the money into the new Tranditional and Roth IRA money market account. However, a representative from Ally Bank called to inform me that the requests to transfer the money had been denied. When I asked Ally Bank why the transfer was denied, they informed me that my signature was not notarized by a notary public with a notary stamp. She said anyone could signed a transfer document. I told her that I had signed it and that I was giving her verbal authorization to make the transfer. I told her that she had asked me at least XXXX security questions to verify that I was the owner of the account in questions before we began the discussion of my IRA. There is no logic why after successfully answering the security questions that Ally Bank refused to accept my verbal acknowledgement that I ( the owner of the IRA accounts ) legitimently requested the transfer. The Ally Bank representative agreed with me but said the notary public notarization was their procedure. So I reprinted and filled out the Transfer Requests for a second time and had them notarized and signed by a notary public. I called Ally Bank bank to let them know that I uploaded a copy of the new " Transfer Request '' forms to my new bank and that they would send them the new transfer request. It was from this XXXX discussion that I was told that these requests would also be denied because they were uploaded copies and not the original forms. These kind of onerous rules have no place for an online bank who touts the ease of their software to fill an individuals banking needs. At the very least when I was initially informed that my transfer request was denied, I should have been emailed the precise requirements that needed to be performed to submitt successful transfer form. Instead I accidentally stumbled across the requirement that the transfer request forms had to be the original ones. At the most, when I call Ally Bank and successfully answer all the security questions but then still can not direct how my accounts are to be handled goes counter to having an online bank account. This is wrong and in my opinion over kill when the owner of an account can not call Ally directly to direct how their account is to be handled.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/XXXX To Whom It May Concern, I recently reviewed my XXXX credit report and noticed a late payment posted on my account with XXXX XXXX : Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Account Opened : XX/XX/XXXX I have never been late on this account and am requesting that you provide documentation proving that a late payment occurred. If you can not supply this proof, I request that you DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - Permissible Purpose of Consumer Reports, it clearly states that consumer reports can only be furnished under specific circumstances, none of which apply here. 

In addition, the Fair Credit Reporting Act, 15 USC 1681 ( 2 ) ( a ) ( i ), defines exclusions for consumer reports, and the information you reported falls under these exclusions. 

Failure to address this dispute properly will result in legal action, where I will seek {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Please delete the incorrect late payment and provide me with a free copy of my updated report after the changes have been made. 

Best regards, XXXX XXXX Phone : XXXX Email : XXXX Make sure to add the correct address for XXXX XXXX and todays date. Let me know if youd like to adjust anything further!
Product: Debt collection

We made several attempts to speak to someone at Portfolio Recovery Associates these past few months. In every attempt this company would hang up on us. This debt was settled by XXXX back on XXXX/XXXX/14 and signed by XXXX XXXX an associate at Portfolio Recovery Associates. They are now trying to collect the remaining balance even though they agreed to a lesser amount. We have the PDF from XXXX of the settlement amount signed by XXXX XXXX, a representative from Portfolio Recovery Associates. This has been negatively affecting our credit for over a year now.
Product: Debt collection

Filed XXXX XXXX Bankruptcy XX/XX/2017 that included Portfolio Recovery Associates ( PRA ), LLC., under the threats of lawsuits and employment damage. 
1 account amount {$4200.00} ; 2 account amount {$3800.00} ; 3 account amount {$2600.00}.
Product: Credit card or prepaid card

I started receiving CA edd benefits in XXXX until XXXX XXXX. I had never received a card from Bank of America. I ordered a total of 8 cards over that time span. I had been calling bank of America asking why I wasn't receiving the cards and they told me to contact edd. Edd kept telling me to contact bank of America. So I finally got Bank of America to let me file a fraud claim and I finally received my first card XX/XX/XXXX. Well the XXXX is still missing. They filed 6 claims one for each card that had a amount on it. It's been 50 days, they approved one claim for {$160.00}. But haven't provisionally credited the account, they haven't mailed or communicated with me at all. I have applied for a hardship and no response. I know my rights are being violated and I have lost everything due to not having my money. I need help getting my money or at least access to it while they investigate the claims.
Product: Checking or savings account

We had two separate occurrences with Bank of America with our account being XXXX, the first one was in the amount of XXXX, the fraud department put a stop on payment .The second time was on XX/XX/2024 in the amount of XXXX, again the fraud department put a stop on payment and closed our account informing us that we would have to open a new account. Both times the customer service at the bank was less than desirable. The people in the office seemed to not want to acknowledge us when we entered the bank instead they were sitting in their offices. We asked if someone can assist us and was informed to have a seat and someone would be with us shortly. After a 20 minute wait we were acknowledged and directed into an office where the person called the fraud department, this person left us in the office on the phone, we explained to the fraud department what transpired with our account and was informed they would close this account and open a new one which the person at the bank could do for us, when we informed them that the person left us in the office by ourselves, she said she could not believe we were left unattended and asked to speak to the individual that placed the call, we informed the person and she sent in another person, the fraud department personnel informed this individual who they were speaking with that they were on a recorded line and asked them if they would assist us in opening a new account, the person informed them they did not have anyone at the time that could assist with this request to which the fraud department person could not believe they just told her that. We were informed from the fraud person to remove ourselves from this bank location and apologized for the inconvenience. We went to their other location and the bank was closed with no notification on their door.
Product: Checking or savings account

I was with wellsfargo for years.I was going to the ATM to get money that I thought I had. They always gave me the money and kept charging the overdraft fees. I have a XXXX XXXX and I was n't always keeping track of my account. I feel they took advantage of this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. You reported that this was charged off in XX/XX/XXXX, XX/XX/XXXX, then again in XX/XX/XXXX, then again in XX/XX/XXXX, then again XX/XX/XXXX. I submitted a complaint XX/XX/XXXX specifying this error, however after your third investigation this still is not fixed. Accounts can not be charged off 5 times. Also, you don't show any of my payments, payment amounts, or month of payments for this account. How can you know my balance, and how can balance decrease if you don't know my payments. Creditors need to be able to see my payment history. This is highly injurious to my credit, it undermines the faith in the credit reporting system, and against the FCRA statutes. I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX The loan was opened in XX/XX/XXXX and the car was repoed in XX/XX/XXXX since then they still have the account as open and late payments reported on my credit every month for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand now XX/XX/XXXXI have called them and asked them to close the account and take the late payments off from the time they took the vehicle back. I have disputed on credit report but the come back saying the information is accurate but it is not.
Product: Credit card

This is a Macys XXXX XXXX card which means it has XXXX lines of credit. The XXXX XXXX card portion is due on the XXXX of the month. I have enrolled in Autopay through the XXXX website and have a confirmation of enrollment email but no payment came out for XXXX. When I called up yesterday to ask why it did not come out, I want to keep my account and credit in good standing, no one would speak to me. They keep telling me that the Macy 's portion of the credit card is overdue! I have that statement and it says {$3.00} were due for a paper statement request from the previous month. That request had been a misunderstanding and never should have been sent out. On XXXX XXXX, 2016 I called the company and the woman waived the fee, making my balance {$0.00}. The balance Macy 's is trying to make me pay now is from a purchase I made but is showing up on my XXXX statement ( which I was able to access online ). 
They tell me the {$3.00} amount on my account was credited to the wrong statement so that my account is still considered overdue. I have gotten XXXX help over the phone from Macys. They transferred me to the Recovery department who immediately understood me and saw everything I was saying reflected in my account. Unfortunately, she could n't help me and sent me back over to Macy 's customer service line who proceeded to ignore my issues. I have spoken to 4 different people and departments. No one will get me a supervisor. I need help because I am going in circles. No one can even tell me if this is effecting my credit report. The credit dept they sent me to tell me they can not assist because the account is past due after speaking to someone who just gave me their number and assured me the credit was applied.
Product: Credit reporting

I have several unauthorized credit inquiries on my credit report to companies in which I have not applied. I have attached the documents that i have mailed and faxed to the alleged creditor requesting that they remove the unauthorized credit inquiry from my credit report.
Product: Credit card or prepaid card

XXXX XXXX , XXXX DBA XXXX XXXX XXXX was allowed by Capital One , Inc. to push through {$2400.00} of unexplained charges to my Capital One card. The same compnay inadvertently pushed through {$2100.00} on my adult daughter 's Capital One card, approximately a year later. Making this their standard m.o. My current case is against XXXX XXXX , XXXX DBA XXXX XXXX XXXX , but capital One is next, due to subsequent liability.
Product: Debt collection

Basically, I used to have an active XXXX XXXX account with a credit card attached for billing purposes. When that credit card was rendered inactive due to being maxed out, I forgot about it multiple times and continued going through XXXX XXXX  toll lanes ( in NY state ), which led to outstanding toll violations and fines. 

Upon my own fault, I kept forgetting to settle the outstanding amount I owed XXXX XXXX. Because of that, XXXX XXXX rightfully referred my debt to Linebarger, Goggan, Blair, and Sampson. I then realized this had to be paid as soon as possible, so I contacted them to pay any outstanding debt. 

I 've already paid several hundred dollars for debt that I owed from XXXX XXXX ( including fines attached ). However, here 's where it all started to go wrong. I was told more than once that I could " settle '' for less than the amount owed if I paid by a certain date, which I did. Upon calling back to confirm such payment has been settled, I was told that there was no record of a settlement and that I still owed more money ( with additional fines attached ). Credit card statements DID show that this collection agency charged the full amount discussed and was paid. At one point, I had several different customer services representatives on the phone, as well as a supervisor. They all gave me different amounts ranging from a total of {$50.00} to a total of over {$600.00} for the exact same debt violation ( s ). I became so confused at this point that I did n't know what I owed anymore, not to mention I was told on multiple occasions that a certain outstanding debt was still owed when I had paid it several weeks prior. 

I have been making multiple attempts to pay this agency the amount that I rightfully owe them, but it 's become impossible. I 've decided that it 's time to involve the CFPB since each and every individual that I 've spoken to has contradicted each other in regards to what has already been paid and what is still owed ( including the amount itself ). 

I have legitimate reason to believe that Linebarger, Goggan, Blair, and Sampson are intentionally using deceptive practices to defraud me as a target of their agency, and that they will continue to do so unless the CFPB becomes involved. I advise any and all individuals falling under the jurisdiction of Linebarger, Goggan, Blair, and Sampson to  notify the CFPB at the very first sign of potential fraudulent practices ( as opposed to making the same mistake that I did by delaying my opportunity to file a complaint ). I also advise individuals NOT to assume that any mistake regarding outstanding debt amounts on behalf of Linebarger, Goggan, Blair, and Sampson are accidental. I repeat, DO NOT assume that such mistakes are accidentally caused.
Product: Credit reporting

This status that I received a credit report on XX/XX/2015. I did not! I need to see my report so that I can file disputes that may or may not be on there
Product: Credit card or prepaid card

Hi, I opened a Credit Card with Avant on XX/XX/XXXX for {$300.00}. My very first payment was due on XX/XX/XXXX and was due on the XXXX going forward. I always logged on to their website Avant.com and made my monthly payments. I even saved the website in my favorites. I continued to make my on-time monthly payments from Avant.com ... I go to log on to their website like I normally do and their website is down and won't let me log on. It said, " Uh oh, were experiencing a problem. ", and that they were having an unplanned outage. So, I figured I'll just check back tomorrow. This went on for a week or so ... after that, I said I better just call in and make my payment. I talked to their representative and explained the situation. I gave them all my pertinent information - first and last name, email, last 4 of my social etc... they claimed that I have no account with them. I also gave them the customer ID # that I received when I couldn't log on to their website where I made my monthly payments. I spent 3-4 hours on the phone getting absolutely nowhere and them saying I do not have an account with them. I told them I've had an account since XX/XX/XXXX and have been making successful payments until the XX/XX/XXXX payment, so how is that possible? I said I need to make a payment over the phone and they refused to take a payment since according to them I have no account all of a sudden. I said I better not get any lates on my credit report. I even asked for their Manager/Supervisor and they refused to put me through to one... they even said one would call me back and I never got 1 call! I am XXXX XXXX XXXX and have never experienced something like this in my life! I must have 12 credit cards open at the moment and I'm never late, and now they have marked 90 day lates on my credit report over a minimum payment which is ridiculous! I've never experienced such incompetence on a credit lender such as Avant and an unwillingness to let me speak to someone who can help me. I even reached out to several lawyers asking for help and they told me to file a complaint here. Avant has destroyed my credit and has costed me thousands from being turned down for loans and creditors lowering my credit limit from Avant 's late reporting. I'm going to attach what their website said when I went to make my XX/XX/XXXX payment and also include all my payments from their website at Avant.com.

Thank you for your help! It's much appreciated!
Product: Mortgage

Found out today that Mr Cooper experienced a third data leak - the third in three years. This time, however, all of the owners whose mortgage Mr Cooper holds had their PII taken in this data breach. Names, address, SSNs, financial accounts and records, work history - all of them information taken for all of the nearly XXXX XXXX owners. 

How can a company whose business is to administer a loan ( not provide loans, but rather just hold and collect on them ) not make security of their assets a number one priority? 
For it to be this frequent is startling. Worse still is that us, the mortgage holders, can do nothing about it as we can't move on from Mr Cooper as they own our loan ( even though we didn't take a loan with them ). 

Can you look into this matter?