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

Unfortunately, I had my debit card stolen again within three weeks of the previous theft. This time the thief was able to use my card at  XXXX  for {$850.00} or so, and even took {$240.00} out at an ATM across the river before I could cancel the card.  ( My acc ount still had fraud claims from the theft weeks prior, so apparently I was not allowed to cancel the card by phone. I went to my local branch as soon as I noticed activity, and tried to cancel, but not before they were able to take more than they used at  XXXX . ) The various transactions made by the thief are : - {$50.00} - {$800.00} - {$4.00} - {$18.00} - {$100.0 0} ( Withdrawal ) - {$100.00} ( Withdrawal ) - {$40.00  } ( W ithdrawal ) I reported the fraud yet again, and was given temporary credit. I answered various questions about my most recent transactions, again, and hoped this was the end. Their investigation, I guess, just ended, and I received an email telling me that my account was overdrawn ( because of the claims reversals ).     I am awaiting response from them, but expect the same will happen as it did last time. They decided my claims were not valid. I am now at a negative sum in my account, and I 'm still out the almost {$1200.00}. I did not know who else I could turn to to help resolve the issue.     I did not report this to the police because I can not describe the thief 's appearance. I did not notice that the card was gone until the email in the morning told me my account was below my alert limit.     Please help.
Product: Debt collection

they said I payed my bill before there billing cycle was over, so the payment was used as a extra payment for the month. the following month no bill. when I recived my bill for the following month it had late fees on it. I called them and spoke with a supervisor, they said that was how it works per contract. this happened before and the fixed it. so later that month I did a refinance on my home and my bank took the equity to pay bills off, contacted all the people I owed and recived payoff amounts. what they gave them was what I owed. now the say I owe a late fee and a extra 20-30 dollars more than the pay off. what can I do. thanks
Product: Debt collection

Convergent Outsourcing listed a debt collection on my report for an amount of {$320.00} for a XXXX bill. On XX/XX/XXXX, I wrote them requesting a debt validation letter for this bill which they say I owe. They sent back an itemized bill which IS NOT validating that debt. On XX/XX/XXXX, it is notated that they received my certified letter but still could not produce a validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. Furthermore, when I searched Illinois laws, this collection agency isn't even bonded or licensed to collect a debt in this state. I request full removal of this debt associated with any of the credit reporting agencies ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain charged-off accounts listed on my credit reports. These accounts have been reported without the issuance of the required IRS Form 1099-C, which creditors are obligated to provide in cases of debt discharge or cancellation exceeding {$600.00}. This omission violates federal regulations, which require complete and accurate reporting of financial information.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), credit reporting agencies are required to adopt reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, 15 U.S. Code 1681i mandates a proper investigation upon a consumer 's dispute regarding the accuracy of information in their credit file.

I request that the accuracy of these accounts be verified and, if found to be unverifiable or inaccurate due to the lack of Form 1099-C, that the accounts be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX  Account Number XXXX, XXXX, XXXX, XXXX, XXXX Has violated my rights.15 usc 1681 section 8 states I have the right to privacy 15 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish my account without my written instructions.
Product: Mortgage

DEAR OMBUDSMAN DEPARTMENT MANAGER : YOU HAVE PUT ME AND MY FAMILY IN HARMSWAY BY CHARGING ME LAST 11 YEARS FAKE HOMEOWNER INSURANCE FEES AMOUNT {$16000.00} + {$130.00} ESCROW FEES. MY PENTHOUSE CONDO ASSOCIATION OFFICE HAVE EMAILED PROPERTY INSURANCE PROOF TIMELY TO YOU LAST 11 YEARS. 

ALSO, NEW CONSTRUCTION CERTIFIED CONDO BUILDINGS BASED ON XXXX REAL ESTATE LAW PREWIRED WITH CARBON MONOXIDE DETECTOR AND PREWIRED SPRINKLER SYSTEM DOES NOT REQUIRE FIRE INSURANCE POLICY. PLEASE, REFUND MYESCROW SURPLUS OF {$6000.00} + {$40.00} PROP. INSPECTION FEES. MY ESCROW SURPLUS INCLUDES {$2.00} ESCROW ADVANCE FEES REFLECTED ON MY RECENT REINSTATEMENT LETTER DATED XXXX XXXX XXXX  XXXX FILE # XXXX. PRIOR TO MY WIRE OF ABOUT {$50000.00} TO BRING MY ACCOUNT FULLY CURRENT. 

STILL, MY PROPERTY IS XXXX EXEMPT SINCE XXXX  BY XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, PHONE XXXX. 
SEND MY REFUND TO MY MAILING ADDRESSD RESPECTFULLY, XXXX XXXX XXXX XXXX XXXX XXXX WITH HONORS
Product: Credit reporting or other personal consumer reports

Account was settled for a less than full amount with Discover Bank. Account is paid/closed since last status update was on XX/XX/year> and it is past the statute of limitations.
Product: Debt collection

On XXXX XXXX I received notification of a derogatory mark on my credit report from ability recovery services. I called them immediately and they informed me the debt was from an ambulance bill from XX/XX/2020. They referred me to this number XXXX. I called them and they said they could not give me any information on my account. I called ability recovery services back at XXXX ( XXXX ) XXXX to get more information but they declined to give me any information. I told them its my right to know. They declined and told them if it was an ambulance bill it should not be listed on a credit report and at that moment the representative said it was out of there hands that the debt was just sold at that very moment
Product: Credit reporting or other personal consumer reports

The following accounts reflecting on my credit reports XXXX, XXXX AND EXPERIAN are fraudulent. Please see attached FTC Identity theft report XXXX XXXX XXXX # XXXX Amount ( s ) {$4000.00} and {$7900.00} Opened in XXXX please see attached documents. ( 2 accounts ) XXXX XXXX XXXX Amount XXXX Account # XXXX Experian is showing a public record ( Bankruptcy ) on my credit report. It belongs to XXXX XXXX my name is XXXX XXXXSee attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Money was taking off my card and I been waiting for this money for at least like 3 weeks someone told me I was getting the money back then I talked to someone again and they said Im not getting the money they took from me it was denied sent me a letter saying that my account will remain overdrawn and I opt out of overdrafts then 2 days later someone sent me another letter out saying they credited money into my account which I never received and I been calling everyday for days straight
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Debt collection

I received a notice from Ballato Law Firm advising me that my debt was in collections and will be prosecuted if not paid. I immediately called and made payment arrangements. I spoke with XXXX who advised me that because I made arrangements I would not have anything to worry about and would not need to go to court. Te arrangement was for $XXXX a month however I was making $XXXX payments a month. I advised XXXX that I was making a month payment in advance and she said she would document that. I had made payments without lapse since the arrangement was made. The end of XX/XX/XXXX I received a notice advising me they had filed a judgement against me for non payment and that I should make payment for the remainder immediately. I have been calling them incessantly to have them remedy this to no avail. They have been very dismissive and make excuses for why they ruined my credit. They refuse to discuss the matter although arrangements were already made. They had no reason to file judgement against me.
Product: Mortgage

Contacted XXXX XXXX ( XXXX XXXX ID # XXXX ) at New American Funding about qualifying for a Refi loan on my home. He sent me URGENT Accept eConsent-New American Funding ( XXXX and video on how to complete the eConsent. Sent all sources of income for XXXX. Mr , XXXX stated that the underwriters could not use any part-time income earned during XXXX and that my full-time income did not qualify me for a loan. I contacted Mr.XXXX that I had made an error with the employment start date and it should have been XXXX instead of XXXX. Mr. XXXX recalculated the numbers and stated that the income did qualify for underwriting but he had to do an employment background check. This conversation happened on XX/XX/XXXX. I called Mr. XXXX on XX/XX/XXXX, and he said that my income didn't qualify and I needed two years of history although I had W-2s supporting all income.
Product: Money transfer, virtual currency, or money service

Hi, my name is XXXX XXXX. 
I have a PayPal account with PayPal email ID as below : XXXX I have put my XXXX name XXXX XXXX at the time of creating this account and now they ask for my legal name, so I already provided them with my proof of address and Identification. 
The PayPal company hold my money since XX/XX/2020 and they want to hold it for 180 days!!! 
Whats the reason to put me in this pandemic under the financial pressure. 

I owe this email and this PayPal is for me so they have to release my money ASAP. 
They never answer the phone and never reply to my email with the solution. 
They make me crazy. 
I am so concerned and disappointed. 

Please help me Regards XXXX
Product: Credit reporting

I originally had XXXX school loans with XXXX that were transferred to XXXX in XXXX. In XXXX both loans with XXXX were paid in full. Now in XXXX I pulled my credit reports from XXXX XXXX and transunion saw XXXX is reporting both loans payment history incorrectly ; in payment history XXXX since XXXX reports no payment history until XXXX, which is the final payment payment owed. Also XXXX does not report who the original creditor, XXXX XXXX on either account. This is completely inaccurate. I disputed both loans on all XXXX credit reports. In XXXX I received notice from all XXXX bureaus verified the information as accurate. Per fair credit reporting act, a creditor has to report complete and accurate information to credit bureaus by law or if incomplete and inaccurate by law has to be removed from a credit report at all credit bureaus. Also under fcra I have the right to request from the creditor the information provided to the credit bureaus to verify the debt information as accurate. So I called XXXX on XX/XX/XXXX and spoke to rep XXXX employee ID number XXXX. I advised her of my plight, and I was requesting that a copy of that information be sent to me that was used to verify the payment history per my rights under fcra. XXXX informed me that they do n't actually keep record of each payment you make and when. They only report the date when the account has been paid in full. In my case, XX/XX/XXXX. Which is exactly what 's reported on all XXXX credit reports, no other pay history accept being paid in full on XXXX. I advised XXXX of fcra law, and I wanted the accounts removed. XXXX refused also to send copies of the information sent to credit bureaus to verify accounts and XXXX advised that was n't going to happen either. I stated under fcra law it was my right to ask for and receive this information, if they refused they are violating fcra law and can be sued. XXXX laughed then asked if I knew how long XXXX has operated like that, and if they were breaking laws someone would have complained about it before.i advised her you know your on a recorded line and admitting XXXX is violating fcra laws. XXXX can be sued for this, I then asked how to reach their legal department, XXXX then advised that XXXX does n't have XXXX.
Product: Credit card

on XX/XX/XXXX i called citibank to cancel my credit card as i had lost/misplaced it. 

Citibank cancelled it and confirmed that no further charges would go through on that card. 
I called again the next day to make sure that the card could not be used at all by anyone. once again they assured me that the card could not be used and confirmed that there were NO PENDING CHARGES. 

On XXXX XXXX a charge of {$1500.00} appeared on my statement from a vendor that had the number of that cancelled card. 

when i called Citibank to ask how this could have happened they told me that the card had been cancelled but they had, WITHOUT MY KNOWLEDGE OR CONSENT, sent my NEW card number to all vendors that had recurring debits set up on my account. 
They said now i would have to dispute the charge with the vendor that charged me. 

I do not want to dispute the charge with the vendor. i want Citibank to refund my {$1500.00} as my card should not have been able to be debited and it is Citibanks fault that they did not completly cancel the card and then shared my new card details without my knowledge or consent. 

Citibank is refusing to refund me and is now denying that they sent the card details to anyone even after they admitted that they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Equifax regarding an account being reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX The letters were sent to both the credit reporting agencies and the collections agencies. informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. These medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

Both XXXX & XXXX deleted it from my credit report but Equifax failed respond to any of my complaints, ignored my request and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report and until this day the information is still being reported inaccurate and false information is being reported.
Product: Vehicle loan or lease

Notice of Effective Assignment CONSUMER PROTECTION! 

47-50-109 Procurement of breach of contracts unlawful Damages by assignor XXXX XXXX and assignee Bridgecrest NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This has reference to Contract dated XX/XX/2020, entered into between myself and XXXX, XXXX XXXX XXXX, XXXX, TN XXXX, assigned to Bridgecrest. I issued a receivable for financing and the seller nor the financing agency has committed to incurring obligations and making advancements under this purchase money loan, which is a cash advancement. 

Seller has been operating in insolvency. 
Seller has committed theft of property and services. 

Within the attachment is a authenticated demand of assignment, therein are a list of violations laws and regulations of XXXX and Tennessee codes committed by seller XXXX XXXX and Bridgecrest from the creation and inducement of the contract. 

Also included are Federal Trade Commission 's Staff Guidelines On Trade Regulation Rule Concerning Preservation Of Consumers Claims and Credit Practices Rule, in which both the seller and assignee committed violations among others. 


Remedies also included.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I attempted to make a money transfer to my son to be husband in the country of XXXX and it was denied and said that my account was blocked and they have no way of unblocking it. I asked for a reason and why y account was blocked and they said the decision was final and they can not unblock it. They would not tell me the reason and I feel that I should be able to know the reason why they are denying me service. 

Thanks XXXX XXXX
Product: Credit reporting

Dear Consumer Relations : After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify certain items on the credit file dated XXXX/XXXX/15, with Confirmation XXXX. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following accounts : XXXXThe data you seem to be verifying has been sold to a dept. collector who has gone out of business, then purchased by another dept. collector who has purchased my personal information without my permission. I have no such of any kind of contract with this furnisher. I think that it is appalling that you insist on reporting derogatory and false information on my file. I am asking you to provide me with all documents to support this data. Your dates are not accurate, in question, nor or the amounts being reported. Please provide me in full detail, data that support this. I will pursue further actions in a timely matter against this derogatory data. Please delete this data immediately. I have nothing to do with that account. The furnisher has mailed me incorrect data with my information being wrong. My full name I will provide with this letter. 
As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than XXXX days after receiving this request. I appreciate your handling of this request in a timely manner. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had One late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/23. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Mortgage

On XX/XX/19 I called the bank about its XX/XX/19 Annual Escrow Statement which included a Review the Escrow Account History ( XXXX ) detailing 10 ( not 12 ) months of activity, missing XXXX. With 12 months there would be an escrow excess over the required {$1800.00}. In its Review the Upcoming Escrow Account Activity ( XXXX, it lists a XX/XX/19 {$2100.00} tax payment for the second half when it had a bill which required a XX/XX/19 {$2000.00} tax payment for the first half.