23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I get phone calls every 30 minutes to an hour from the same company using different state numbers. For instance it will call from Virginia then Florida then XXXX then New York etc to my cell phone, my husbands phone and our home phone. I have previoudly asked them to stop calling as They call more then 10 times per day from XXXX XXXX up until XXXXXXXX XXXX  pacific time.
Product: Bank account or service

Recently Opened an credit card account with bank of America, my bank of at least XXXX years. 
The problem I am experiencing revolves around the opening of such account.Despite of been a loyal customer to bank of America. I believe I am being treated to a different standard, since the conditions set forward by bank of America for opening the account were in my opinion simply not fair. Considering the fact that I have excellent credit history and the card I was approved for was for individuals trying to establish credit. Furthermore bank of America has fail to report the account to any of the XXXX credit reporting agencies.Despite the fact that the account has been open for more than XXXX days and I have made bank of America aware of such discrepancy.Last is the fact that bank of America handles my checking account as well monthly bill pay, which would suggest that they 're well aware of the fact that I fulfill my financial responsibility.
Product: Checking or savings account

The repeated and seemingly arbitrary charges imposed by U.S. Bank on the complainant 's account paint a troubling picture of financial management and customer care. Over a span of just several days, the client hand been hit with multiple {$30.00} fees on various dates including XX/XX/XXXX, twice on XX/XX/XXXX, and an alarming three times on XX/XX/XXXX. This amounts to substantial sums being deducted from the account under ambiguous pretenses such as " analysis service charge '' or unspecified transaction fees. The frequency and regularity of these charges suggest more than just a series of isolated banking errors ; they hint at a systemic issue that could border on fraudulent activity, especially when considering the massive financial burden it places on the account holder. Without transparent justification provided for these deductions, which sometimes occur multiple times within a single day, it is reasonable for any customer to feel exploited and to question the integrity of their banking institution 's practices. This situation not only calls for immediate rectification but also prompts broader inquiries into regulatory oversight and consumer protection mechanisms in place to safeguard customers from potential bank malpractices. 

The egregious pattern of fees charged by U.S. Bank as detailed in a customer 's complaint raises serious concerns about the transparency and fairness of the bank 's billing practices. The customer reports being systematically charged {$30.00} multiple times across several days, including instances with up to two or three such deductions on a single day, culminating in significant financial loss without clear justification or prior explanation from the institution. This situation is further compounded by an analysis service charge of {$40.00}, adding to the mounting frustrations and financial burden experienced by the customer. Such repeated and high-frequency fees severely strain the trust between a financial institution and its clients, who rightfully expect clarity, fairness, and respect in all transactions. Given this account of frequent unexplained debits from their account, it becomes imperative that U.S. Bank addresses these claims with utmost urgencyreviewing transaction histories, clarifying each charge imposed, refunding any erroneous or unjustified fees, and issuing a formal apology to restore confidence and ensure accountability. This scenario underscores a need for greater oversight into how banks levy charges on consumer accounts to prevent potential exploitation and preserve client relationships.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had requested for an investigation with the three major credit reporting agencies within my rights under the Fair Credit Reporting Act. I disputed the accounts attached to this complaint and the credit reporting agencies claimed to have verified the accounts which also included a bankruptcy public record. I found the credit reporting agencies alleged verification as sketchy due to the fact that information was still reporting inaccurately for the disputed accounts and the United States Bankruptcy Court for the District of New Jersey has already confirmed that they don't furnish any information to any credit reporting agencies including XXXX but the three major credit reporting agencies claimed to have verified the bankruptcy with XXXX which is impossible because the bankruptcy has already been disputed and removed from my XXXX credit report. 

The three major credit reporting agencies stated that the accounts and bankruptcy was properly investigation but how is that possible if the account type is inaccurate and the bankruptcy reference number is not accurate. This is ground for removal as they violated my rights under 15 U.S.C 1681 section 602 A which states I have a right to privacy and under 15 U.S.C. 1681 section 604 A which states they credit reporting agency can not furnish information without my written consent. Also, the credit reporting agencies never sent me results for my dispute request and I had to get updates through my credit monitoring account with XXXX but I never received anything in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that there are accounts that I do not recognize. The accounts are completely fraudulent and has never belonged to me at all. The accounts are as listed ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. I contacted the companies to get an understanding of where the accounts come from and each company stated that I was not found in their database.
Product: Credit reporting or other personal consumer reports

Hello, I am requesting an investigation into these accounts, as there seems to be a misunderstanding regarding their accuracy on my credit report. These accounts were previously removed but have since been re-added without my knowledge. I did not receive any notification of their reinstatement, nor have I been contacted by mail regarding this matter.
Product: Debt collection

Yesterday, XX/XX/year>, I got a notification that something was added to my credit reports. When I checked XXXX, XXXX has put the collection, that I have previously reported to CFPB and FTC for fraud, back on my credit report. I want this collection removed. 
Per 15 USC 1692, this company can not pursue this since I did not sign anything with them, nor do they have my signature on the XXXX XXXX XXXX.
Product: Debt collection

portfolio recovery bought XXXX charged off XXXX credit card accounts. They then began to report them as current debt on my credit reports, I have never been sent anything from them and would not have even known they were being reported on my credit reports unless I hadnt gotten a copy of my XXXX reports. I disputed both accounts as old debt but my dispute was denied. I have never seen anything from portfolio recovery that I signed nor, any correspondence from them regarding these XXXX old XXXX credit cards.
Product: Money transfer, virtual currency, or money service

I was alerted on cash app ( phone app for sending money ) that I was charged XXXX dollars and XXXX dollars around 2 weeks ago. I contacted XXXX to try to do a refund but I was denied 2 times. I told cash app and they put in a dispute and later also denied my dispute. I do not know who made these charges and have had to close my XXXX account, email account and cash app account because someone is buying things with my accounts. I have reached out multiple times and denied with long wait times. These purchases were over digital video games on the XXXX store. I closed all accounts. I have not received the digital goods and lost all my accounts with no help over actual fraudulent purchases.
Product: Money transfers

PayPal CreditThe email message received by me recently ( below ) confirms illegal withdrawal from by XXXX XXXX XXXX account in the amount of {$670.00}. Recently, I purchased an iPhone from the XXXX website, on a 6-month interest free plan confirmed by PayPal. I had already made a {$250.00} payment on this account a few weeks ago, and was horrified when PayPal informed me that the above amount was transferred from my account. 
Conveniently, the message arrived after the amount was transferred, and consequently, no opportunity to dispute. 
The 6-month interest free plan is misleading and deceptive, and the withdrawal of the remaining amount owing that was not authorized is nothing short of theft. 
Internet blogs confirm that this unethical business practice by PayPal goes on all the time. 


Hello XXXX XXXX, Thank you for making a payment online! We 've received your PayPal Credit Payment of {$670.00} and have applied it to your account. 

Here are the details : Your PayPal Credit Account Number Ending In:XXXXYou Paid : $ XXXXYour Payment Date*:XX/XX/2015Your Payment Confirmation Number:XXXX
Product: Credit reporting or other personal consumer reports

I am in the process of applying for a mortgage. The XXXX, XXXX and Experian reportedmy mortgage inquiries assepartae inquiries. I submitted the mortgagerequeststo obtain the best rate all within a 45 day period. The credit bureaus arereoprtingthem as separate inquiries. I am allowed to shop for the best rate within a 45 day perod to reflect as 1 hard inquiry. The credit bureaurs arereporting the mortgage inquires as seprate requests which have resulted in my credit score being lowered by almost XXXX points. I want the credit bureaus to accurately reflect that my mortgage application inquiries should be reflected as XXXX inquiry in my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday  XXXX , I went to  XXXX  in  XXXX , California to purchase a replacement  XXXX . Because we were unable to access the system with my  4-digit p asscode, I telephoned "  XXXX  '' for assistance. The  XXXX  service person attempted to sell me the  XXXX   XXXX   service and of fered {$300.00} credit. I said no thank you ( as I already have   XXXX   XXXX   ) .. Upon hearing the 'no thank you ' response, I was informed by the service person that she could not assist with the passcode.     On Tuesday, I received a  XXXX  notification of a credit inquiry by  XXXX   XXXX . This credit inquiry, to verify my credit worthiness for  XXXX   XXXX , was not requested and it was not authorized. Because credit inquiries have an adverse impact on credit scores, each and every inquiry should be authorized by the individual consumer. NO company should have the privilege of impacting someone 's credit score without clear authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified 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/2022 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 as soon as possible. 
Accounts : XXXX XXXX BANK XXXX XXXX XXXX XXXX OF XXXX / XXXX XXXX XXXX OF XXXX / XXXX XXXXXXXX XXXX OF XXXX / XXXX XXXXXXXX XXXX OF XXXX / XXXX XXXX XXXX  OF XXXX / XXXX XXXX XXXX OF XXXX / XXXX XXXXXXXX XXXX OF XXXX / XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my SS XXXX my DOB is XXXX. I have old and unknown addresses appearing on my credit report. The following addresses are not mine they are inaccurate please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have several number that are not mines on my credit report that need to be deleted the following numbers are not mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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 or other personal consumer reports

I have reached out to the Dept of Ed XXXX to get a copy of my original contract showing I took loans out. I told them I have been.a victim of Identity theft and victim of domestic abuse so many of the loans or items on my credit was mostly likely not me. I sent the letter back in XXXX and still haven't received a response. Also, called them at XXXX couldn't provide me with the contract. 
DEPT OF EDXXXX Acct XXXX XXXX Amount : {$6500.00} XXXX XXXX XXXX DEPT OF ED/XXXX  Acct # XXXX Amount : XXXX XXXX XXXX XXXX OF ED/XXXX  Acct # XXXX Amount : {$5300.00} XXXX {$5300.00} XXXX DEPT OF ED/XXXX  Acct # XXXX Amount : {$3500.00} XXXX {$3500.00} XXXX  DEPT OF ED/XXXX  Acct # XXXX Amount : {$2200.00} XXXX {$2200.00} XXXX XXXX XXXX  Acct # XXXX Amount {$9700.00} XXXX {$8600.00} XXXX No contract with them. I called and wrote a letter and haven't received any thing back from the company. 
XXXX XXXX  Acct # XXXX Amount : {$1000.00} XXXX {$1000.00} XXXX  There can't be an open account as a collection that is a violation. Also, this company hasn't sent any proof of contract or proof that I had any accounts with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report that I reported to Equifax on XX/XX/XXXX. Despite my initial contact, I have not received any response from Equifax regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$9200.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$750.00} XXXX. Account Name : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX High Credit : {$100.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$750.00} The above accounts were never late, contrary to the information on my credit report. I kindly request Equifax to correct/update this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

An XXXX XXXX card is reporting on my credit report. I filed a dispute and the customer is refusing to send me verification of this account. I have no knowledge of this account and I asked for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX ) XXXX : Federal Trade Commission ( FTC ) CC : XXXX, XXXX, Transunion Dear XXXXXXXX XXXX I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report.

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Product: Debt collection

What happened to me was that last year I bought my girlfriend a purse at XXXX. I was unaware that while purchasing the purse, it was done with a XXXX card. For months after I made the purchase, I had no clue that XXXX had opened up that card and made the purchase with it. It wasnt until I started to search for a home did i start to keep up with my credit and see all the unpaid payments I didnt make to this card that I didnt know existed. Its absolutely destroyed my credit and I havent been able to change it even though Ive paid the balance.
Product: Debt collection

I've emailed this company on numerous occasions advising them to stop contacting me, as the loan service that was provided to me I later found out was illegal under laws of the State of Florida and the Florida Office of Financial Regulation. 

This company has continued to attempt to email me and call me, and has recently started harassing friends and family attempting to collect. They need to stop harassing me or my family before I'm forced to take further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my Clarity Consumer Report and file and received the file in XX/XX/2021. 
I wrote a letter to dispute the consumer report mailed XX/XX/2021 as it had inaccurate information and violated my privacy. I received a letter dated XX/XX/2021 in response to my dispute saying that the information was deleted or corrected and a revised copy of my credit report was enclosed. the only enclosure was the Alabama Code, summary of my rights, and remedy for identity theft which lead me to believe that the report was deleted in its entirety. On XX/XX/2021 I receive another letter saying that the information was deleted or updated and that no action was taken on my disputed accounts because it was determined to be frivolous and that i clearly needed to identify why the information in my file was inaccurate. My file was attached to this letter unchanged along with the previously listed attachments. I never gave Clarity Services my express written permission to share my personal information or banking information. the information contained in this report violates 15 USC1681b, as well as 12 USC 3403 just to name a few.
Product: Debt collection

Upon reviewing my credit report, I detected fraudulent accounts that were not a result of any error.
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 confidentially under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 602 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Sections states : No consumer reporting agency may make any report containing any of the following items of information. Any other adverse item of information, other than records of convictions and crimes which antedates the reports by 7 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.

Subsection ( B ) : A furnisher shall not furnish information about a consumer to any CRA if the consumer has notified the furnisher that the information is inaccurate, and the information is, in fact, inaccurate.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I myself XXXX XXXX XXXX made a payment at 1st Franklin Financial for {$340.00} cash or debit card with XXXX XXXX  XXXX in XXXX XXXX or with a XXXX XXXX card. A receipt was given to me, with a confirmation # of {$340.00} @ XXXX XXXX by XXXX XXXX or the lady that sits in the XXXX middle of XXXX desks. The payment was not processed by either payment method, cash was needed he subject, I am accused of faulty XXXX payment which has my account behind til present dat, making double payments to become current. This tactic makes me not want to be involved with this XXXX XXXX at this time. XXXX XXXX XXXX