23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019 I called to settle a debt on all 3 credit reports. I C System Collections promised to delete the debt on all 3 reporting agencies if I paid the debt in Full. I paid both debts in full and all I received was a letter stating promise to pay or what I C Systems calls a receipt. I have called repeatedly asking for a deletion letter and they refuse to do it after they promised to do so. I paid {$300.00} to remove both debts. I have also asked them repeatedly to remove the medical bills from my credit report because it violates my privacy rights. IC Systems continue to be rude to me when I call after I paid the debt. 
One debt was {$110.00}, the other was {$180.00} The company reported each debt but I paid them both together. 
IC Systems Collections XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

My credit card had over 20 fraudulent charges at several gas stations in Florida. I immediately called Bank of America to have the card cancelled and the charges reversed, which they did. A month later, the charges were back on my card. Bank of America said they will reopen the case, but they said the investigators are arguing they are valid charges.
Product: Debt collection

XXXX - I buy a car. 
My dad gives me his old car to use as a trade in, valued at {$200.00}. 
This apparently incurred a title transfer fee of {$170.00} of which I was unaware. Had I know this I would not have done so. 

I pay the full car loan off in full within 2 months. 

XXXX - I am informed of a fee I have n't paid now by a " Penn Credit '' collection agency, which is acting on behalf of the XXXX XXXX and has accrued approximately {$20.00} interest for being late. 
I was advised ( by family, perhaps unwisely ) to send this fee payment straight to the XXXX. 
I did. I have a scan of the check in my bank account, proof it was signed and cashed. 

XXXX - More paper in the mail now arrives from a " XXXX Attorney at Law '' and the XXXX claiming I ( or rather XXXX in this set of documents erroneously claiming me to be " XXXX XXXX '' --??? ) have to appear in court over this matter being unpaid, except now it 's again {$170.00} + court costs. Since I 'm tired of this, and do n't want to take a day off just to deal with it, wording says I can opt to pay the ( now ) {$230.00} dollars by XXXX XXXX of this year to resolve the matter and not need to worry about going court, so I paid Penn Credit on their site using the code they provided. I again have a receipt from the Penn Credit site with a transaction date of XXXX XXXX and payment to Penn Credit in my bank account on the XXXX. 

Later still, I CONTINUE to get mail that " I did not show up in court '' and " the fee is now {$290.00} '', as if no payment has occurred. 

I 've now spent {$430.00} for a {$200.00} price reduction on a car I bought and immediately paid off over 3 years ago. I 'm not paying anyone anything else. This is frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with TranUnion for a few accounts which were XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX that were reporting on my credit report incorrectly. TransUnion sent back the results of the first investigation which did not correct the inaccuracy. So, I took time to write a very detailed letter and provide a full credit report highlighting all the inaccuracies. I received notice that the investigation was completed and so i checked my TransUnion report online and nothing has changed nor has TransUnion has not answered any of the questions asked in the second letter or explained or corrected the blatant inaccuracies. As a result I was delayed on closing for a house. TransUnion has failed to met their obligations under the Fair Credit Reporting Act therefore I am filing a complaint to force them to delete this blatantly inaccurate information.
Product: Checking or savings account

I had a 15-month CD at Pentagon Federal Credit Union that matured on XX/XX/2023. I called the credit union to make sure the CD had a grace period. I was told on XX/XX/XXXX and also on XX/XX/XXXX that I had a 10 day grace period on the CD. So, I thought no problem, since I would continue earning interest. On XX/XX/XXXX, I requested to transfer the funds to another bank. At that time I was told the CD would be backdated to XX/XX/2023. I was not previously informed of this step, but I just assumed I would get 4.65 % APY interest for the 8 days the funds were in a grace period. To wire funds to another bank, I had to put the money into a savings account at Pentagon Federal. I preferred the premium savings account ( 2.70 % APY ). I was told that you had to get special permission to open this account and it was Friday and I did not have enough time left in my grace period to complete the required procedures. My only option was to transfer funds into the regular savings account ( .005 % APY ) that I had opened for initial membership. Once the funds were transferred to my Pentagon regular savings account, I only saw an additional {$.00}, surely this was not correct. Afterwards, I asked for the paperwork to read their procedures for myself. To my surprise, my CD did not have a grace period. Why didnt anyone tell me this at the credit union ? I depended on the spoken word of several specialists, saying that I had a 10-day grace period. If I had known that I didnt, I would have transferred the money at maturity. They should have said I had no grace period or we will give you a 10-day grace period with no significant interest. They are keeping quite a bit of interest on the 8 days that they backdated my CD. Pentagon Credit Union is planning to pay me .005 % APY ( {$5.00} ) on thousands of dollars, not the interest rate where the funds actually were. Are they telling everyone who do not read the fine print that they have a grace period? Afterwards, you are left to their procedure of backdating CDs and giving you as little interest as possible. Is this process legal?
Product: Credit reporting or other personal consumer reports

THERE ARE MULTIPLE FRAUDS HERE!!!! I have several credit checks on my credit score from at least XXXX different companies since Monday, XX/XX/2024. I HAVE NOT ASKED FOR ANY OF THEM!! I do not plan on applying for any more credit in the near future, so any of these are fraud. The first came from XXXX, then Bank of America, XXXX XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a Cashier Check of appr XXXX $ which I deposited on XXXX XX/XX/year>. 

It was an advance payment for the rent and security. The scammer said that his company has created a check of higher amount which he will be using for other requirements and asked me to return the extra money once the check gets credited. Requested to do the payment through a wire transfer. 

Only once the cashier check got credited I felt safe to made wire transfer since I trusted the verification process of the bank. 

I deducted XXXX month rent and security and transferred rest of the amount which was XXXX $ to the account provided by scammer. This was done on XXXX XX/XX/year> XXXX day I realised that something is fishy and complaint to the bank and raised the claim on XXXX XX/XX/year> But the money was already debited. 

This was the highest amount ever deposited in my account in a single transaction. 

And also the highest value of wire transfer done from my account in a single transaction. 

Still Bank of America did not do due diligence of verifying the unusual activity or blocking the transaction since the check was fake. They couldn't detect the fake check. 

It was a sheer case of negligence on banks side. 

I have raised the claim and waiting for the process to complete for last two weeks
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed accounts on my report that are not mines. The credit bureaus are violating the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy They are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. I never gave them permission to list these accounts on consumer report. Congress said I have the right to decide what I deem private. I deem any information on my account to be private, and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I visited the Speedy Cash located at XXXX/XXXX and I requested a payday loan in the amount {$850.00}. I tried to pay this amount with a loan from the company I work for and they refuse to give Goodwill the XXXX so the check could be issued. Speedy cash is taking {$210.00} dollars every two weeks from XX/XX/XXXX until XX/XX/XXXX. Which means I will be paying {$2500.00}. This is outrageous. I dont make that much money, this was not explained to me, and clearly constitutes predatory lending. I am ok paying a razonable interest amount, but what they are charging me more than 3 times what they lend me. Please help me to rectify this situation.
Product: Debt collection

XXXX XXXX i reside at XXXX XXXX XXXX XXXX ma XXXX SS # XXXX received a call saying I'd be sued and wages will be garnished for a XXXX XXXX  XXXX  account from 2004. I do not owe this bill. I'm very confused I was XXXX then. I don't owe XXXX dollars plus this is Erie they had my ss number also
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I learned that Equifax allowed my personal data to be shared outside of their organization with nefarious hackers. Then they attempted as their resolution to the problem to provide me with a service that they supposedly sell to monitor my credit for only a year ..after that of course they 're going to charge me for it. The fact that their security was so lacks that they allowed my sensitive pii to be shared outside their organization was bad enough but the fact that their resolution to the problem is a money-making scheme is infuriating.
Product: Credit card or prepaid card

XXXX XXXX closed out my credit card with Walmart as I received a letter dated XX/XX/XXXX18 which I received on XX/XX/XXXX18 stating the account has been closed and the decision was based in part on a scoring system that was used to predict creditworthiness and it indicates scoring system and list, 5 characteristics where I did not score well. I have paid my credit card each month on the due date, with maybe one late payment and I also paid my account within the last 30 days to a zero balance. I have not had any contact from Walmart or XXXX XXXX   concerning this situation until now but when I paid my balance to XXXX  to show i am paying my account down and showing responsibility and also creating less debt for myself then they come up with there decision to close my credit card account. I have never experienced this before. XXXXXXXX XXXX and Walmart have very unfair practices. As a dedicated Walmart consumer i am very displeased with this practice.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Trans union actions may also contravene the Consumer Financial Protection Act CFPA ), 12 U>S>> 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File XXXX. XXXX ) against them for similar violations. I request that the CFPB. 
take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.|
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are legally obligated to maintain only accurate, fair, and up-to-date information on consumer reports. The entries listed below are inaccurate due to errors related to the processing of my accounts within the XXXX XXXX XXXX XXXX, which did not authorize derogatory closures or delinquencies. Additionally, under 15 U.S.C. 1681i ( a ), as a consumer, I hold the right to dispute any inaccuracies, and I am hereby requesting that your agency, per federal law, investigate these accounts to correct or delete the inaccurate information within the mandated 30-day timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was charged off in XX/XX/2017. The error they have made is they have continued to report an active payment history since then, almost 6 years! It is my understanding that a charge off account is not suppose to report an active payment history! Its illegal that they are updating the status date when the charge off was in XX/XX/2017. 

i am in fear this impacting several factors within my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown hard inquiry on credit report on XX/XX/2018
Product: Checking or savings account

I signed up for Bank of America Mobile banking but did not purchase the deposit machine since I already had one for another business. There rule is that after the 30 day trial you have to keep the service for 24 months or they charge an early {$250.00} termination fee. We called and spoke with a representative XXXX XXXX on XX/XX/2024 ) and they agreed to cancel the service without a fee since we are depositing very few checks, but later retracted their decision and are refusing to cancel the service without a fee. First of all, there should be no cancellation fee since no equipment was purchased and I beleive in California early termination fees have been eliminated. Also the time frame of 24 months is not usual and customary. This is a fraud fee and needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my report, information belongs to someone else. 

XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX opened XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reported 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I looked at my Equifax and TransUnion credit reports on XXXX XXXX and noticed somethings are incomplete and not accurate.And according to the fair reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC ( e ) ( b ) .And according to 15 USC 1681i5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general after reinvestigation under paragraph 1 ( 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 reporting consumer agency shall ( I ) 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.and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cost to relieve that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( XXXX ) XXXX XXXX | Presume that no proof of the alleged debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$7600.00}, XXXX XXXX XXXX XXXX {$590.00}, XXXX XXXX XXXX Balance {$720.00}, XXXX XXXX XXXX Balance {$670.00}, XXXX XXXX XXXX XXXX Balance {$590.00}, XXXX XXXX Balance {$120.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX is illegally opening consumer loan to take money from my savings account with false consumer loans. I like to add this complaint to Experian report # XXXX and XXXX I can't access the upload documentation Experian has error. show correct balance due on date of contract and the real begin date to make my payment so it does prove late fees. XXXX is only in the state of XXXX I feel like there computers should be ceased
Product: Debt collection

XXXX XXXX, 2016 : Pinnacle Credit Services is trying to collect for a debt I do not owe and they are reporting to the credit bureaus ( XXXX ). I called Pinnacle on XXXX XXXX 2016 and told them this debt is not mine and asked them to provide proof of documentation from the original creditor. They forwarded my call to XXXX XXXX XXXX XXXX. I again explained to them I am not responsible for the debt and would not did not agree to assume the liability. They told me they would send proof of debt and documentation to me in 2 week to 18 weeks because they are backlogged. 

XXXX XXXX 2016 : After a month of waiting for Pinnacle I decided to contacted XXXX and filed a complaint on XXXX XXXX, 2016 against Pinnacle. XXXX forwarded my complaint to Pinnacle who then replied on XX/XX/2016 to say the debt is valid but did they did not provide any proof or documentation. A representative from XXXX said I will have to contact Pinnacle/XXXX XXXX XXXX XXXX directly to request the documentation. I told XXXX this would be the second request from Pinnacle and that is why I am seeking the assistance of the FTC. 

XXXX XXXX, 2016 I need the assistance of the FTC to please help pressure Pinnacle Credit Services / XXXX XXXX XXXX. to either provide proof of documentation from the original creditor or cease their collection efforts and quit reporting negative credit reports to the credit reporting bureaus ( XXXX ). 

Thank you.
Product: Credit reporting or other personal consumer reports

I'm reaching out independently regarding an issue with my credit record. I've noticed late payments listed, and despite my efforts to address this with letters sent over a month ago, I've yet to receive a response or satisfactory validation. I would appreciate your support in rectifying this situation.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019XXXX30 DAYS LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

THE FCRA 15 usc cod1680 I 5 and 1666b the unlawful use without my consent. All negative items should be removed immediately. Also they allow creditors to resubmit items after 7yrs.
Product: Mortgage

On approximately XXXX XXXX, Wells Fargo and I ( the homeowner ) negotiated a mortgage release aka Deed in Lieu. They assured me that it would not reflect as a foreclosure because the foreclosure was never started, when I checked my credit report the loan is reported as a " Foreclosure '' and still day to this day almost 3 months later. During the months leading up to the agreement I had the home for sale. I received an offer of {$240000.00} but Wells Fargo turned it down even though my balance was only {$220000.00}. So when that happened and then Wells Fargo tricking me in to signing the house over to them they immediately put the home up for sale for {$270000.00} and pretty much stated that if the house sells for {$270000.00} I would get nothing and like it. How can they continue to do this to consumers. They lied to me when they said it was not a foreclosure but that it was a mortgage release program to avoid a costly and embarrassing foreclosure. So I reluctantly agreed. Please help me get that foreclosure off my credit report and find out why Wells Fargo turned down the purchase offer of {$240000.00}!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

the XXXX have been trying to ger a credit report from experian since XXXX, it comes back as blocked! experian has told me several times i dont have a block on my credit. Again XXXX reattempted to get report and they keep getting " INFORMATION FROM THE INQUIRY WAS REPORTED AS FRAUD BY THE CONSUMER ''!! why is this on my credit??????
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have late payments back from XX/XX/XXXX-XX/XX/XXXX. During this time I was in forbearance, and then I was XXXX XXXX military. My account shouldnt have any late payments. 

And as of XX/XX/XXXX my student loans were paid in full due to the XXXX XXXX XXXX due to being XXXX XXXX with the Dept of Veteran Affairs. 

Some accounts have over 33 missed payments on it, and in total theres over 100 missed payments being reported, essentially destroying my credit score. 

I am unable to receive credit due to the incorrect reporting of the Fed student loan service.