23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my credit report for my self and my wife and noticed that incorrect information was being reported for the month of XX/XX/XXXX and no information was being reported for the month of XXXX. I faxed over a request to have this information investigated and was contacted by a XXXXXXXX in the customer care and recovery group. Who advised me that he would be handling the problem and had opened a ticket # XXXX. On XX/XX/XXXX I reached out to XXXX XXXX to get a status on the incorrect information being report on my report and my wife 's report. I also advised him that this inaccurate information being reported is impacting our family. I explained to him that I had pulled all three of our reports and the XXXX information was reporting incorrect and XXXX was reporting no information at all. I emailed him a copy of the report for him to pass on to the department that was conducting the investigation. On XX/XX/XXXX. I contacted my XXXX and spoke with him. I was advised that his team had finished the investigation and they had determined that they are reporting the correct information to all three reporting agency. I explained him that I was looking at my most current report live and the information had not changed. I asked what method was used to validate and verify the information with all three agency. I was advised that they did not contact the credit reporting or send a refresh/update they just used an internal process. They just looked at a screen internal and verified that I what they had in there system was correct. I asked to be speak with a supervisor and or manager and was told that it was not necessary. I was finally transferred to a XXXX XXXX XXXX in the customer care recovery group who told me that it's not XXXX XXXX XXXX responsibility to ensure accurete information is being reported to the credit report agency and that he was closing the ticket and did not care that I would filing a complaint with the CFPB and my local State Attorney Generals office. I asked to please speak with his direct manager to try and resolve this problem before I moved forward with my actions and I was told that he " did not care '' and " I am denying you from speaking to my direct report, I don't see the need '' I have customer since XXXX and I have never been spoken in such a unprofessional manner by these two individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX closed the account they had in my name, but XXXX and Experian are still reporting it on my consumer report I need both companies to delete immediately. See invoice attached from the company for proof of deletion from XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple written requests, the inaccurate accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved immediately. The following accounts needs to be corrected immediately : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$23000.00} ; XXXX, XXXX XXXX Opened XXXX XXXX, XXXX Balance {$530.00} ; XXXX, XXXX XXXX Opened XXXX XXXX, XXXX Balance {$150.00}.
Product: Checking or savings account

Simple, a bank that had been merged into BBVA but run as its own company was ultimately folded into BBVA on XX/XX/2021. Simple was a no-fee bank. BBVA is a traditional bank, i.e. full of fees. While they did disclose their fee schedule, " services '' such as overdrafts and paper-billing ( separately charged ) were opt-OUT and applied immediately, regardless of the customer 's ability to access their account ( which many were not ). These services can also NOT be opted-out of via the mobile app, further limiting user 's ability to avoid fees.
Product: Credit card

Summary of Bank of America Credit Card XXXX XXXX XXXX ) Claim XXXX {$9000.00} Claim Denied on XXXX XXXX and XX/XX/2023 XXXX ) Claim XXXX XXXX {$10000.00} Claim Initially Denied on XX/XX/2023 and subsequently approved and resolved in my favor I have been a customer of Bank of America XXXX BOA ) for 36 years with XXXX credit cards and a checking account. On XX/XX/2023 BOA informed me that they had transferred {$10000.00} from XXXX credit card and {$9000.00} from the other one to a XXXX XXXX account. I immediately called BOA to inform them that I had not authorized the transactions and that I did not own a XXXX XXXX account. They opened XXXX separate investigations, XXXX for each credit card. 

On XX/XX/2023 BOA sent me a notification stating that they were unable to pay my {$9000.00} claim due to their assertion that The charge was made by you or made you or made by someone who has permission to use the card or account. 

On XXXX XXXX BOA sent a similar notification that they also were unable to approve my {$10000.00} claim because We confirmed that the charge on your account on your card either covered an overdraft on your linked deposit account as part of your XXXX XXXX for overdraft protection or was a balance that went directly into an account in your name. 

Upon receipt of the denial letters, I called BOA called again to dispute their contention that the transfers were authorized by me or someone who has permission to use the cards or that the balance went directly into an account in my name. I also called XXXX XXXX and they confirmed that I have no accounts with them. XXXX XXXX stated that they could not trace what account that the funds went into based only on the last XXXX digits of the account. Only BOA knows the full account number that they transferred the funds into. It is not an account that belongs to me. 

I suggested to BOA that theywork with XXXX XXXX to track the funds. BOA agreed to reopen the investigations. On XX/XX/2023 BOA sent me a letter stating my {$10000.00} claim was resolved in my favor. The {$10000.00} has been restored to my account. Another BOA letter sent on the same day stated that BOA was unable to approve the {$9000.00} claim. The reason for BOAs position was unchanged which stated The charge was made by you or made you or made by someone who has permission to use the card or account. 

I called BOA Claims Resolution to appeal the {$9000.00} denial. They agreed to re-open the investigation but have done nothing further. The investigation has apparently been put into hibernation. I have had XXXX to XXXX phone calls to BOA Claims Department staff. I have been consistently informed that BOA has no explanation or documentation that supports the claim denial that they are willing and able to share. I was informed by BOA claim staff that they do not know why the {$10000.00} claim was resolved in my favor and the {$9000.00} claims was denied. Neither do I. 

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

I had a total loss fire on my equipment. I immediately filed claim with my insurance company. This was in XXXX of XX/XX/2018. The finally paid my equipment loan off in XX/XX/2018. I couldn't continue my business without equipment to operate. The insurance company XXXX XXXX should have paid after 45 days. I had keep in touch with XXXX XXXX XXXX XXXX XXXX as well. They have my account listed as a paid charge off. XXXX XXXX and Equifax still have this as paid charge off.. This brought my credit score down XXXX points. Im just now getting it back. Not Fair Business. I bought insurance to cover me in case of loss. Instead I lost my business and my credit score.
Product: Credit card

Someone opened an account in my name without my knowledge and it has caused my credit score to drop by XXXX points, I never opened this account and looks the account was opened online. I only bank with XXXX  and XXXX XXXX. I never opened this account I dont know who did and Im an old XXXX XXXX XXXX woman who barely figured out how to do this. Ive called and called and get nowhere with complaints with DCU Digital Federal Credit union but I continue to receive notices saying Im past due on accounts I never opened. I am also losing credit cards because of this and my score drop. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

It has come to my attention, that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has transfer an account to United Collection Bureau INC Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. United Collection Bureau INC is refusing to discuss my concern about their acct # XXXX, balance {$350.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me?
Product: Money transfer, virtual currency, or money service

In regards to the Zelle lawsuit going on, it is now time for me to submit a complaint from my personal experience. Ive used Zelle countless times and continue to use it but unfortunately I never have simple peace of mind when it comes to it. The money was gone with one click, no confirmation or anything of the sort. I contacted Zelle about the issue before but no investigation was performed correctly and nothing was done about the issue. The CFPBs examination has shown failure to protect customers and allowed repeat offenders to exploit the system, leaving us vulnerable. I have been waiting for some sort of justice and never got it, hopefully we can now.
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed these inaccuracies in it.
Product: Credit reporting or other personal consumer reports

I first sent out these disputes at the beginning of XX/XX/year>. They never responded so I sent them again in XXXXXXXX XXXX XXXX XXXX then sent me a stall letter but never did an investigation. So at this point, I disputed one more time the XXXX sent me a stall letter but they also never did an investigation. Equifax has yet to respond or do any type of investigation. I just sent letters out again two weeks ago.
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 XXXX XXXX XXXX. 

Account Name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXXXXXX XXXX Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX-XXXX and Account Name : XXXX, Account XXXX XXXX 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : XXXX : XXXX {$4300.00} Account Info Account Number XXXX XX/XX/XXXX open/closed Closed Date Opened XX/XX/XXXX XXXX XXXXXXXX BA {$420.00} Account info Account Number XXXX open/closed Closed Date Opened XX/XX/XXXX XXXX : XXXX {$4300.00} Account Info Account XXXX XXXX XX/XX/XXXX open/closed Closed Date Opened XX/XX/XXXX XXXX XXXX BA {$420.00} Account info Account Number XXXX open/closed Closed Date Opened XX/XX/XXXX EQUIFAX : XXXX {$4300.00} Account Info Account Number XXXX XX/XX/XXXX open/closed Closed Date Opened XX/XX/XXXX XXXX XXXX  BA {$420.00} Account info Account Number XXXX open/closed Closed Date Opened XX/XX/XXXX 2023
Product: Mortgage

PennyMac issued a credit for the increase in property insurance as a result of their failure to pay the renewal timely which led to us not having coverage. However, PennyMac charged us for lender premium policy which we do not agree with. Also, PennyMac has not provided us with a letter assuring us that they will cover the variance while we have an active mortgage loan with the company.

We have left numerous voice message for PennyMac, and no one has responded. We are hopeful that the bureau can assist in a getting a resolution.
Product: Money transfers

Paypal is holding my refund hostage. I only use my account to purchase items from ebay and when I was issued a refund, paypal took possession of it and refuses to release my money back to the card that was used. In my account, it reflects that I do not have any funds. When I pay with a credit card using them as a payment processor, I expect them to return my money the same way. This is unfair and they are taking advantage of consumers for their own financial gain. Paypal should not be aloud to hold money hostage ESPECIALLY in a refund scenario that they had no control over. I have proof that my refund was issued from the seller on ebay several days ago, as well as proof my paypal account shows a {$0.00} balance.
Product: Credit card

On XXXX I canceled the use of my card which I had for XXXX years. They charged an annual fee and I asked them to remove the charge. They did not and charged me {$39.00}, Then I wrote them a letter stating I had canceled the card. They sent me a blank piece of paper back and charged me again. They reported this to credit bureau. this lowered my score by XXXX points! I called at least three times and could not get through to anyone to help me. I then contacted the three credit bureaus to file a dispute on XX/XX/24
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. XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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

On XX/XX/2019 I made a transaction via Paypal to a merchant in the amount of {$2000.00}. My husband did not recognize the transaction therefore he report it fraud to XXXX credit card services. Once my husband knew the transaction was mine he called XXXX credit card services to let them know to cancel the fraud dispute. XXXX then returned the money to the merchant on XX/XX/2019. The merchant never received the money and Paypal claims they do not see the money that was returned to the merchant. I have even provided documents from XXXX to Paypal. Paypal refuses to credit the merchant whose account has been in the negative because of this issue and XXXX is refusing to refund ththe money to our card. Our XXXX has disappeared into thin air and we are paying intrest and fees on it to XXXX. The merchant 's account has now been sent to an outside collection agency and merchant is now requesting the money from my husband and I to resolve the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 we received an email from Navient XXXX that a debt was allegedly owed. On XX/XX/2019 Navient XXXX received a lawful Debt Validation affidavit that went unrebutted along with Disclosure Statement with questions unanswered. On XX/XX/2019 Navient XXXX received a Fault in Dishonor Notice in regards to the Disclosure Statement not being answered question for question. On XX/XX/2019 Navient XXXX received a Default in Dishonor Notice with the disclosure statement still unanswered. On XX/XX/2019 Navient Corporation Received an Estoppel Notice for which the only mail they sent afterwards was the alleged promissory note for the student loan which did not answer any of the question from the Disclosure Statement. Please See Attached Documents :
Product: Debt collection

I am being contacted repeatedly, like every single day, by XXXX XXXX XXXX of NCB Management Services in XXXX. His phone number is XXXX Ext XXXX. They say they are trying to collect a debt from my son, XXXX XXXX. My son has a XXXX XXXX XXXX and I hold a power of attorney for him. I pay all of his bills and am unaware of any that are not paid. I have asked XXXX XXXX for this information, but he refuses. He insists that I send him the POA before he will even tell me what the debt is for. If my son owes money to anyone, I will pay it. But I have not received any bills for anything. I just keep getting these harrassing phone calls!
Product: Debt collection

I purchased a car in XXXX which ended up getting taken by the city of XXXX because of red light tickets my then boyfriend had been getting on my car without my knowledge. That account is on my credit, as it should be. Im older now and getting my finances and credit together, so I had a friend go over my credit report where she noticed XXXX has two completely separate delinquent accounts on my credit- the original one that says closed and charged off, and another one that says I made a payment in XXXX ( which never happened ) and that Ive been delinquent on payments since. This is a completely fraudulent account. I called the company and the woman was HORRIBLE to me. She told me its too old and they couldnt do anything, then told me it may be important to me now but its not to them. I said that I didnt understand why she was being so rude to me and she hung up the phone on me. I have never in my life had someone talk to me like that, and to try to belittle me because of this was insane.
Product: Credit reporting or other personal consumer reports

After noticing several errors on my credit report I disputed the collections listed and the hard inquiry that I had no ownership and/or knowledge of with the credit Bureau TRANSUNION XXXX I disputed these items several times and each time the company doesn't provide proof of ownership or verification of listed collection accounts, accounts and hard inquiries. The company did not properly verify these accounts before delivering a decision on my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a negative account on my credit report that shouldn't be there. Ive came across the term PERMISSIBLE PURPOSE. According to 15 U.S Code 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.