23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I deposited a {$2000.00} balance transfer check ( from my Barclays credit card ) into my bank account ( XXXX, checking account ) on XX/XX/year>. A few days later, it was returned to me by mail, by XXXX. It didn't get deposited. I'm not sure why. 

When I logged into my account a few days later to make a payment on my card, I noticed that they charged me the {$2000.00}. Additionally, on XX/XX/year>, they charged me a {$26.00} returned check fee. 

I called Barclays customer service and got the run-around. I got transferred XXXX times. I finally got someone who was able to acknowledge the error and said it was getting taken care of. I got a confirmation #, which was XXXX. 

I logged into my account today ( XX/XX/year> ) to make my next credit card payment and noticed that they didn't do anything. The {$2000.00} was not credited back to my account. 

I'm on the phone again with customer service and am getting nowhere, even after giving the explanation of what happened again, and the confirmation number from the previous call. I keep getting put on hold and right now, I'm on hold again and the call time has already exceeded XXXX minutes. 

I'm extremely frustrated. They're trying to steal {$2000.00} from me essentially. The transaction statements clearly show that the {$2000.00} was never deposited into my account due to the {$26.00} returned check fee. 

Can someone help me make them credit the {$2000.00} back into my account?
Product: Debt collection

midland credit management is attempting to double collect on an account that was settled by a debt consolidation company and midland credit management agreed, collected an amount, and cherged off this account in XXXX this is an illegal attempt to collect against that agreed upon settlement and cgarge off .i have attached a agreement between them and bedrock legal with the account numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor by the NAME OF XXXX  XXXX bank is STILL violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section 2 states a consumer reporting agency can not furnish a account without my written consent, I also received a letter in the mail FROM ANOTHER REPORTING COMPANY stating that they are representing XXXX  XXXX bank USING THE SAME ACCOUNT AS THEM and the balance is {$240.00} and XXXX  XXXX bank is reporting that I own {$770.00}, i demand proof from XXXX XXXX bank that I owe that amounT OF {$770.00} I also demand a copy of the contract with my written consent In a letter by certified mail so that their is a independent witness to it having been delivered, I also demand a response from XXXX  XXXX BANK within 5 days as listed in the terms of the the consumer book! kind regards!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Bal. {$16000.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX XXXX setup a secured credit builder account with Brigit. 

At this time my XXXX XXXX bank account was connected and auto pay was setup. 
In XXXX of XXXX I changed my bank account. 
Brigit sent me and email that my next autopayment was returned. At this time I tried to log into Brigit and it said I needed to change my password. Everytime I have clicked " send email '' I never received an email. 

I sent an email on XX/XX/XXXX and recieved a response. Not addressing my original concerns about my payment being late, due to no fault of my own. 

The phone number listed on Brigits website does not work either. Which also makes it impossible to address any concerns.
Product: Credit card

I took a cash advance on my credit card on XXXX/XXXX/16. I made a payment on XXXX/XXXX/16 to cover the minimum payment plus the cash advance amount and a little extra to cover the interest. My credit card company applied the full payment to the purchases balance at the lower interest rate. I called them on XXXX/XXXX/16 and the person said that since the cash advance was n't " billed '' yet on a statement, that they did not have to apply the payment to the higher interest rate. My " cut off '' date is around the XXXX of the month. I asked what I needed to do to get that fixed and I was told he could n't do anything for me.
Product: Checking or savings account

On XX/XX/XXXX there were over 50 unauthorized transactions to my account. Upon checking my account my funds were depleted to XXXX with the transactions totaling over {$2000.00}. I spoke with the bank and they informed me that they would send over a form and investigate the transactions. During this time I completed all the forms and returned every piece of evidence that I had to prove my innocence which was frustrating because I was the victim in this situation. I included screen shots of the device screen time which was clear evidence that the charges were not made myself or any authorized party. After weeks I received a letter stating that my claim was denied and the case was closed and not to be reopened and that I could call for further information which I thought was very odd since there was supposed to be a investigation. During the month of XXXX my account was compromised again this time for almost XXXX and after calling this time I received the same form but this time the turnaround for the denial was much quicker within days for a few of the transactions they never sent over the form at all which was very discouraging. Before the transactions in XXXX I signed up for fraudulent alerts and this did not happen. I am currently working with an attorney to assist me with this situation.
Product: Checking or savings account

I opened a new Citibank Accelerate Saving account back in XX/XX/XXXX and XXXX successfully deposited different amounts from my different checking accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and each month from the date of opening i transferred some money i put in the side from my paycheck. everything was fine i deposit a total of XXXX $ till XXXX i transferred money XXXX $ from Citi bank to my XXXX XXXX XXXX Citi bank called me to confirm the transaction i told them it was me in the next two day in XX/XX/XXXX i try to login to Citi bank account i saw my saving accounts block deleted they block my account without let in me know in XX/XX/XXXX I received an email from Citibank that my account will be closed within 60 days. The email simply states : Based on a recent review of your account, we found that you have violated the terms per the client manual. There were no specifics given in the email as to what terms exactly I violated. I contacted Citi twice on XX/XX/XXXX and XX/XX/XXXX, both Citi representatives quoted the same statement in the email without adequate explanation why the account is closed. When I asked them how to get a get my money back, they said I will be receiving a mail with detailed statement and a check of the remaining balance, to let them know there's no fraud in my account. if they suspicious fraud they could contact me and confirm with me before they take any action my account and my money i should be concerned with that
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained several times about transunions credit scoring on my report apparently nothing is going to change, every time i pay down my bills my score drops instead of going up. my score drops more than any consumer i know. CFPB is doing nothing to help me with this problem and the company response is not legal. im ready to sue whoever is involved.
Product: Credit reporting or other personal consumer reports

A total of six hard inquiries were added to my credit report within the last year that I have no knowledge of. I have filed a complaint on identity theft.gov.
Product: Credit reporting or other personal consumer reports

1666a states A Creditor May Not Treat a payment on a Credit Card account, under an open end Consumer Credit Plan as late for any purpose, 1681a ( 2 ) a ( i ) EXCLUSIONS ; Report containing info solely as to transactions and experiences between the Consumer and the Person making the Report, Therefore my late payments, utilization and transactions are not included XXXX XXXX XXXX XXXX XXXX XXXX Accounts are illegally furnishing exclusive 3rd party transactions and experiences to the Consumer Reporting Agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never on the account. The other negative items that was reported on my behalf has already been corrected. I only have a single inaccurate account. Please help me have this deleted. Thanks
Product: Credit card

I ran my free credit report today. It shows credit card, CBNA, with revolving terms, opened XXXX XXXX, 2016. I DID not authorize and suspect attempted ID theft. How do I get rid of this and prevent this from happening again?
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 Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or the list of inquiries 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 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 or 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 card or prepaid card

I was the victim of fraud in XXXX using two of my Chase cards. One I contacted Chase about assisting me in my fraud claims, they just closed all my accounts with them. I have been a loyal customer with them for over a decade and NEVER paid a bill late and NEVER had any problems with them. <P/>There is absolutely no reason to just close my account.
Product: Student loan

On behalf of the principal name XXXX XXXX, IRS form 1099-C was filed and accepted by the IRS for the amount of {$10000.00} ( XXXX XXXX and XXXX XXXX  ). As a result, Copy B of IRS form 1099-C was sent to XXXX XXXX stating the amount was discharged. The principals account balance does not reflect this and still states the amount as being owed to XXXX XXXXXXXX XXXX XXXX. The request to update the balance for the account of the principal name XXXX XXXX is hereby made.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT is furnishing my personal information and violating my privacy. They do not have permission/ written consent to report their business transaction into my consumer report. It is in clear violation of 15 U.S. Code 1681b- Permissible Purpose and 15 U.S. Code 6802. have disputed this transaction multiple times and there has been verifiable proof that they have obtained permission, verbal or written, to report anything to my consumer report in the first place. This is a violation of my right to privacy. They are continuing to violate my consumer rights and the consumer law. The notice of this account being verified is missing description of procedure. Another violation. I have counted multiple violations of consumer law. You will see in the attached pdf they have given none of the appropriate information required by law.
Product: Debt collection

I C SYSTEM XXXX XX/XX/XXXX {$650.00} XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XX/XX/XXXX {$110.00}
Product: Vehicle loan or lease

I am writing to file a formal complaint against XXXX XXXX XXXX for violating 1692c ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX has unlawfully shared my personal information with NCB Management Services, leading to persistent and unwarranted contact regarding a debt that has been closed for nearly five years. 

Since XX/XX/XXXX, NCB Management Services has been contacting me regarding an account that was closed approximately five years ago. Despite the closure of this account, NCB Management Services persistently reports this debt to my credit file, with the most recent report dated XX/XX/XXXX. This continued harassment and unwarranted reporting have caused significant distress and inconvenience. 

The unauthorized sharing of my information by XXXX XXXX XXXX to NCB Management Services violates my rights as a consumer under the FDCPA. 1692c ( b ) explicitly prohibits debt collectors from communicating with any person other than the consumer in connection with the collection of any debt. XXXX XXXX XXXX 's actions have led to unwarranted harassment and potential harm to my creditworthiness. 

I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against XXXX XXXX XXXX for their violation of the FDCPA. Additionally, I urge XXXX XXXX XXXX to cease all unauthorized sharing of my personal information with third-party debt collectors and take corrective measures to rectify the unwarranted reporting of the closed account by NCB Management Services . 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation and uphold consumer rights under the FDCPA.
Product: Mortgage

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
PHH MORT SVC XXXX Date Opened : XX/XX/2006 Balance {$470000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in Mid XX/XX/2021 Experian stated on their Website My credit profile with a Fico score of XXXX was " To Thin '' it suggested adding a credit card through their affiliate program. I followed the advice and went to their link and applied for the credit card and my score dropped to XXXX fico. this is clearly FRAUD where they suggest using their partner banks for credit cards then drop your score after stating it will raise it. probably looking to charge a fee to correct later. 

I never activated the card sent and canceled with credit card company. 

Experian will not allow me to contact them directly with their toll free number puts me in an endless loop then hangs up. I tried disputing on line but they haven't corrected my credit report or score after causing this problem of FRAUD. 

They are completely deceptive in trying to induce you to raise your score then actually hurt your score.
Product: Credit reporting or other personal consumer reports

There is a collection account on my credit reports with XXXX and XXXX, labeled National Recovery. However this same account was disputed on XXXX and was deleted due to inaccuracy of the account. The original clock for this debt would have taken place in 2018, meaning the debt is actually XXXX XXXX XXXX coming up closely to it being about 7 years for this debt. However this debt was sold and they are just NOW putting it on my credit report and only reflects the debt is only XXXX XXXX XXXX, placed in XXXX is a discrepancy seeing as how the collections company knows the default of date which was XX/XX/year>. XXXX removed the collection for this reason. This is not accurately reporting the length of the debt, and they won't remove it even though XXXX did for the same reasons. I have tried to dispute this debt several times, even though it clearly states in the report the debt originally occurred in 2018, they will not update the account XXXX remove the collections completely for false reporting of the account information. The dispute report from XXXX shows they have no reported information other than what they purchased and I have not received any documentation on any reports that show they have done this legitimately.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and frustration regarding the ongoing issue of fraudulent items on my account. Despite my repeated efforts and numerous attempts to rectify this situation, I am dismayed to inform you that the problem persists, with a fifth attempt to remove the fraudulent items being made recently. 

As I have previously reported, my account has been subjected to unauthorized transactions and fraudulent activities. Each time I have contacted your customer service department to address this matter, I have been assured that corrective action would be taken promptly. However, despite these assurances, the fraudulent items continue to appear on my account statement, causing me significant stress, inconvenience, and financial strain. 

I demand immediate and decisive action to thoroughly investigate these fraudulent transactions and ensure their complete removal from my account. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I urge you to provide appropriate compensation for the considerable inconvenience, stress, and financial harm caused by these fraudulent activities and the repeated failure to resolve the issue satisfactorily. With this, I am asking for your assistance to remove these fraud items in my credit file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Left the home loan to my ex husband judge in our divorce case awarded the home and responsibility for remaining payments to my ex husband. XXXX XXXX is reporting a balance of XXXX XXXX in default I want this debt removed from my report. We have been divorced since XX/XX/. I live in Michigan and the home at XXXX XXXX XXXX in XXXX falls remains occupied by XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have around XXXX in student loans. XXXX was my student loan servicer prior to XX/XX/XXXX. I enrolled in PSLF and my loans were moved over to Mohela in XX/XX/XXXX. For XXXX  months now, XXXX has reported on my credit report that I have twice the amount of student loans as I actually have, over XXXX, because they show the total amount of my student loans reported by XXXX, and also the total amount of my student loans reported by Mohela. I filed a dispute with XXXX in XXXX, XXXX about the XXXX reporting of the loans. XXXX closed the dispute after contacting XXXX, but no changes were made, and XXXX still reports me as having more than XXXX in student loans. I contacted XXXX, who told me that I owed them XXXX dollars and that my account was closed and that I needed to reach out to Mohela to resolve the doubled reporting of the student loans on my credit report. I reached out to Mohela in XXXX, who told me that they would update my credit report. As of today, my credit report shows that Mohela updated XXXX with my student loan balance of around XXXX as of XX/XX/XXXX, but my student loans are still being reported by both Mohela and XXXX on my credit report, totaling just over XXXX. 


At this point, I do not know if Mohela or XXXX is the entity that needs to update their reporting.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! I will never stop filing complaints against you because I know my rights! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. 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.