23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Opened a credit card with XXXX XXXX XXXXXXXX XXXX  XXXX with a 0 % interest fee until XXXX of 2018. The account was sold to XXXX Bank and I completely paid it off in XXXX of 2018, months prior to the end of the promotional period. Somehow XXXX Bank managed to add fraud small fees each month following XXXX and continuously add late payments and falsely report negatively to the Credit Buruea. 
I called and spoke to a representative and asked to pay the amount in full including any accumulated interest until the end of the billing cycle. I was told in XXXX and XXXX by a XXXX customer representative that the individual who processed my payment in XXXX failed to add the interest for the remaining 6 billing days of the cycle. 
An amount of {$3.00} resulted in falsely placing me outside of the promotional period and the addition of late fees and false negative reportings to credit agencies. 
I spoke to multiple supervisors from XXXX bank each month and they apologize and waive all previous fees. The fact that they continuously waive fees supports my argument that my account was requested to be paid in full in XXXX. However, I suffer from the negative reportings and I want those unfair reportings off. 
This rated F XXXX bank is ruining consumers reports with fully paid off accounts and violating the FCRA.
Product: Debt collection

My mother died in XX/XX/XXXX. PNC was notified in XX/XX/XXXX/XX/XX/XXXXbecause she had a XXXX and was unable to care for herself and her bills. She was placed in a XXXX XXXX. They contacted us and said they would come out and view the property to take back in their debt with her. They came out to the equity home ( her trailer ) and emailed us that they were not interested in it. I informed them that she is not able to pay her debt that she was very ill. It was then sold to the county because mom could not pay for her taxes, XXXX XXXX, medical care and bills. She required numerous medical needs because of her very unstable health, most of which I had to help with as her daughter. She died in XX/XX/XXXX. Upon her death, I informed PNC that they had been harassing her in the XXXX XXXX by sending her numerous statements and letters after telling us they were not interested in repossessing the colleratal in XX/XX/XXXX. They said they would stop but it continued. My mother continued to read their mail and was terribly upset. I had asked many MANY times for them to stop sending to her. They continued. She had a very bad XXXX XXXX and XXXX XXXX XXXX. She ended up having XXXX XXXX, then another. The PNC letters and statemetns continued and to this day.
Product: Credit card or prepaid card

On XX/XX/XXXX I realized XXXX  was running a scam, so I called Elan Financial Services whom I have a XXXX XXXX XXXX  XXXX XXXX card with and told them I was finished doing business with XXXX because they are running a scam, so dont let XXXX charge my card anymore, and I got my credit card number changed with Elan , and I asked them not to let XXXX know my new credit card number! 
Elan gave XXXX my new credit card number and allowed XXXX to charge my card unauthorized charges in the amount of {$450.00} on XX/XX/XXXX. I tell Elan Services these are unauthorized services, and Elans rep tells me the {$450.00} cant be unauthorized charges : because, I have used turo before : which makes no sense! 
Elan needs to credit my card for these unauthorized charges from XXXX for {$450.00}! 
Now today Im finding out that there are several unauthorized charges on this Elan Financial Services credit card up under recurring which Ive never noticed before and they still have XXXX  up under recurring : eventhough, I told Elan on XX/XX/XXXX that I no longer do business with XXXX. 

Now I want all these recurring merchants and unauthorized charges taken off my account and I need to be credited for all these recurring charges except for the XXXX charge from XXXX XXXX XXXX. Unauthorized charges are XXXX XXXX  {$410.00} XX/XX/XXXX, XXXX XXXX {$200.00} XX/XX/XXXX, XXXX {$190.00}, XXXX XXXX {$9.00} XX/XX/XXXX, I dont remember XXXX XXXX XXXX being {$54.00} on XX/XX/XXXX, XXXX {$450.00} XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX {$42.00}, XXXX XXXX {$400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$19.00} XX/XX/XXXX, XXXX {$13.00} on XX/XX/XXXX, XXXX XXXX {$50.00}
Product: Checking or savings account

Opened an account with Revolut App and transferred money to it. A day later Revolut blocked my account access and I can't access my money
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$7000.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$7000.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Opened Date : XX/XX/2024 Balance : {$450.00} I urgently need to report an unauthorized account on my credit report discovered during a recent review. This fraudulent entry is seriously obstructing my ability to obtain credit. Under Section 605B of the Fair Credit Reporting Act, I am requesting the immediate removal of this fraudulent account. I do not recognize this account and need it removed without delay.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017 I opened an account with Coinbase and bought bitcoins through them. I bought {$120.00} in bitcoin and {$50.00} each of the other two coins, then about 3 days later I got an email saying they were shutting down my account and when I go to withdrawl my funds form the account its says I have XXXX money with them but they generated a transaction record saying otherwise. They money was also taken out of my bank account so I know they have it and it is not pending. I have sent them numerous messages and have called them and have been on hold for 2 days, they will not pick up or respond.
Product: Mortgage

1, XXXX & XXXX XXXX took out a mortgage with XXXX XXXX  15 years ago ( XX/XX/XXXX ), at a rate of 5.74 % -180 payments of {$2100.00} due on the XXXX of the month beginning XX/XX/XXXX. 
2. XX/XX/XXXX we received a letter informing us of a reduction of rate to 5.24 % Due XX/XX/XXXX. 
at that time we had 176 payment left of {$2000.00} 3. The bank issued a change in due date to the XXXX starting XX/XX/XXXX 4. XXXX was acquired by Bank of America and on XX/XX/XXXX changed the due date to the XXXX of the month. 
XXXX. On XX/XX/XXXX Bank America sold our mortgage to XXXX/AKA XXXX XXXX for XXXX and that figure unbeknownst to us being aprox {$5600.00} higher what we could payoff by our end date of XX/XX/XXXX. Now need to pay nationstar {$5600.00} after our payoff date in XX/XX/XXXX. 
6. The Problem is with Bank America who we have spent months trying to get an answer and they can not provide full documentation to figure this out. They just don't care.
Product: Mortgage

Rushmore Loan Management Service in the following account fraudulently claimed to pay my XXXX XXXX insurance through a mandatory escrow account. 

Loan Number XXXX Borrower XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX CA XXXX I have just confirmed this with XXXX XXXX and confronted XXXX XXXX with Rushmore today, but they refused to answer any questions in writing. 


Insurance policy in question : due " Before : XX/XX/XXXX '' XXXX XXXX Policy # : XXXX Policy Description HOMEOWNERS POLICY Location XXXX XXXX XXXXXXXX XXXX Bill Detail Coverage Period XX/XX/XXXX - XX/XX/XXXX Total Amount Due {$2200.00} Rushmore 's Evasions today : " XXXX PM XXXX XXXX I suggest to call our insurance department directly at XXXX to verify the status of the insurance payment. '' When I insisted on a written response and warned that I would file a CFPB without such : " XXXX PM XXXX XXXX I'm really sorry but as much as I would like to provide you the information you need, I can't as I don't have the complete access on it. '' Rushmore soon thereafter closed the communication : " The operator has ended the chat. Thanks for contacting us. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is refusing to re-investigate and refusing to delete chapter XXXX from my credit report. THIS IS A BUSINESS BK AND SHOULD NOT BE ON MY PERSONAL CREDIT THIS IS A VIOLATION OF F.C.R.A. PLEASE DELETE IMMEDIATELY. I called FTC, DA 'S  OFFICE, AND DOJ AND ALL CONFIRMED THAT BUSINESS BK 'S SHOULD NOT BE ON PERSONAL CREDIT BUT THE BUREAU IS REFUSING TO CORRECT THIS AND REFUSING TO DELETE THIS ERRONEOUS PUBLIC RECORD FROM MY REPORT. PLEASE HELP! 

US BKPT CT CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Identification number XXXX Claim amount Unknown Status Chapter XXXX bankruptcy discharged.
Product: Checking or savings account

I purchased an item that was defective from an XXXX third party seller. I purchased a wheel kit for an electric bike from XXXX. I made an appointment with a tech to put it together. When the day came to get the bike together we found that it was defective. When assembly was completed and we turned the bike on it flashed an error code and the display went dark. The bike never ran and the display didnt even work. I took the bike and kit to the best shop in Michigan, XXXX XXXX  for a second opinion. Its over an hour drive from my residence but I really wanted fix whatever was wrong. I had heard XXXX can be really difficult about expensive returns. I attempted working with the seller and had several conversations with them that I sent to Huntington to prove that I was ripped off and to reverse the charge. The seller wanted me to continue to troubleshoot the issue and wouldnt send postage for the return even after I requested it and it is amazons policy. I had several pieces of evidence that this seller was shady and stealing from XXXX customers. Their product either worked or was defective according to the reviews I got off of XXXX to support my claims. The charge was over XXXX dollars. There was a big language barrier it seemed and no help was ever given aside from the same trouble shooting information. I tried to work with XXXX and they said I had to work with the seller. With no success I had to go through the bank to reverse the charge. The bank gave me my money back and I sent them all my information regarding this transaction including all conversations with the seller, reviews for the product, XXXX rules for third party sellers, and proof I requested all chats with XXXX that DELETED my chats with customer service. XXXX said I wouldnt have access to my own chats for up to a month.. After not hearing anything with the deadline approaching I reached out to make sure they viewed my proofs. They hadnt!!!!! They were just going to withdraw the money back out of my account. They reviewed not a thing I sent them. I had a conversation with a customer service representative that was speechless and didnt know what to say or do. Ive backed with Huntington for years but never again. This was robbery. The withdrawal date was yesterday XX/XX/XXXX and today on XX/XX/XXXX they tried to withdraw the amount for the defective XXXX e-bike wheel kit that never worked and they failed to investigate. 
I have statements from two e-bike shops that my kit was defective along with their contact info. I offered them to XXXX and the seller. Absolutely no one was interested. 
I really wanted to just fairly resolve this matter or get a replacement kit. 
Times are tough and to just take over XXXX dollars from a blue collar family is just rotten business.
Product: Credit reporting or other personal consumer reports

This is a list of inquires that are on my credit report and I did not authorize it, and I need all of them to be remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I had a real estate lawsuit in XXXX and my attorney representing me was XXXX XXXX from XXXX XXXX XXXX. On XX/XX/XXXX, I hired XXXX XXXX, who I never met. 
This lawsuit had a pooXXXX XXXX writen by an unlicensed closer and this caused many problems. 
We filed a letter of cancellation for a contract for deed. XXXX XXXX never filed that cancellation. Instead XXXX XXXX, put together an unauthorized settlement agreement and I got a Judgement instead. Also, deliberately overcharged me for work never finished and used XXXX attorney to help XXXX XXXX increase exaggerated charges ( {$65000.00} for 2 months of work ). 
The invoice was so high, I had no more money to pay XXXX XXXX, so I discharged XXXX, but no attorney would deal with this lawsuit, so I lost ownership in my commercial building. 

Complaint- I called XXXX XXXX Bank credit card services on XXXX XXXX that I wanted to make a dispute because of all the overcharges. XXXX XXXX Bank told me that US Bank owned the account and had to WAIT until the merger was complete and a statement was visible. This was not true. I still had to deal with XXXX XXXX Bank not US BAnk like I was told. With the XXXX, riots in XXXX, XXXX I live and other things, it was diffecult to keep track the merger. The merger when through and I called again to dispute the law firm charges. A XXXX XXXX Bank representive told me that a check would be arriving in XXXX business days. After XXXX days, I called back and was told I was pass the time frame that cardmember service allowed for a dispute credit. I had to pay this law firm {$16000.00} for work never performed. This mishap was not my fault! 

XXXX XXXX my credit card dispute for {$16000.00}. Again, I did try to be within the time limit, but the time was not long enough with that merger confusion and all the commotion going on. 

Sincerely, XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I filed a dispute with the credit bureaus regarding errors related to accounts from Affirm Inc, XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Despite my requests for documentation to verify the accuracy of these accounts, the investigations did not resolve the errors, and the derogatory marks remain on my report. These accounts are reported inaccurately, and I believe some of the balances, statuses, or ownership details are incorrect. My credit scores have been negatively impacted, with current scores as follows : XXXX : XXXX, XXXX : XXXX, XXXX : XXXX. I have requested verification and correction of these accounts, but no satisfactory resolution has been provided
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX, and XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX have 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 an account without my written instructions.
Product: Mortgage

In the event where the bank collected PMI, does the government realize the bank told me deliberateluy not pay mortgage for 3 months because it would qualify me for a loan modification. This was an obvious scam., so they could collect. Where does it leave the house if the promissory note ( which was fraudulent ) now that it is separate from the actual deed. It still gives the bank no right to hold my home hostage, continue to deny and accept modification apps, and add interest to loan, while I am still making contact with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The above three accounts ( XXXX, Capital One, and XXXX ) appear exactly as attached hereto on my credit report, but must be removed immediately. I have previously written each of the above fake " creditors '' a minimum of six times certified mail about the above accounts, which appear erroneously on my credit report. Under the Fair Debt Collection Practices Act ( and the Fair Credit Reporting Act ) these three companies ' repeated lack of any valid response by itself means that the CFPB should take legal action immediately. In addition to lack of response, the very data from the reports themselves copied above from my credit report all indicate that each account is WAY more than 7 years old, which in and of itself is dispositive. To be clear, these three accounts are not, nor were they ever, in my personal name nor guaranteed by me, and they are also more than seven years old, as the above " re '' notations demonstrate. What apparently is happening is that these companies are Illegally attempting to use fraudulently much more recent dates - the dates when the companies finally unilaterally got around to " writing off '' the amounts owed -- because these 3 companies knew that they could not win a lawsuit because the debts were not and never were mine. In sum, none of these accounts was ever in my personal name or guaranteed by me, all 3 are ADMITTEDLY, by the information provided above, more than 7 years old.

These companies scoff at federal law and essentially say, " sue us, '' which suit enforcing the FCRA is really the responsibility of the federal government law enforcement agencies, not individual consumers like me. I have written the CFPB before about this matter previously but have not received a response.Whatever the next step is, lets take it!
Product: Credit reporting or other personal consumer reports

I have a credit card with XXXX XXXX XXXX that is called XXXX XXXX card. This card charges monthly, whether it is used or not and I have never used the card, nor have I ever even activated the card. 
In XXXX, I received a credit notification that I had a late payment on this card. I pay all of my bills based on receiving a paper bill and had not missed any bills. 
I called the number on the back of the card and was notified that they had changed my billing to an email address. The email address was not correct and I had not given permission to do so. 
The operator stated that if I made the payment immediately, I would not have a late fee and a statement would be mailed to me and all subsequent billing would come via mail. 
I was more concerned with the credit showing a late payment and they told me there was not a way for them to rectify unless I disputed with credit agencies. 
I have disputed with all three agencies twice and they are not removing the XXXX day late. They also have charged me the late fee since I added the card to automatic payments and I have not once received a paper bill since. Also, I am still not receiving any email billing as I do not have whatever email they are sending to, if they even are. 
I want to rectify this prior to canceling this card, although this is just costing me more money every month even when not using. 
I consider this as fraudulent activity as I never authorized this billing change, which then activated late payment penalties and personal credit to be lowered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and these accounts still on. I dont understand why you put this negative information on my account. I already sent few rounds of dispute about them. I believe that someone have my personal information.