23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have done business with this company XXXX XXXX XX/XX/XXXX when the illegal charge me for stuff that was not shown on the purchase agreement, I immediately reach out to them and requested for them to cancel every business and transaction I've done with them and refund me in full. After several calls the agreed and cancel the plan and refunded me. Canceled since XX/XX/XXXX Now on XX/XX/XXXX I received a junk mail from This company called ( Southwest Recovery Services ) saying they have a debt for me under the account number " XXXX '' from " XXXX XXXX '' saying I owe XXXX XXXX {$190.00} and it's been sent over to their debt collection agency, now I immediately try to reach out to them and after numerous attempts and unsuccessful calls, I decided to call XXXX XXXX the representative said he is unaware of this debt collection because he can see that my plan has been canceled more than a year ago. So I asked him for email communication proof so I can show the debt collector who I'm still unable to reach out to. 

Now I'm kindly asking the consumer financial protection bureau to Please help me with this issue as it's totally unfair and it's consider a fraud. I have needed business with this company the same exact day I tried to start it. 

I am attaching all proof and communication of cancellation and refund from thiscompany. 

Also I would I like to note I have not received no mail or phone call from this company " Southwest Recovery Services '' about the Debt collection, just one spam mail and a number that's unreachable.
Product: Credit card or prepaid card

I believe a credit card account with Comenity-Wayfair ( XXXX ) was opened in fraud. I have contacted XXXX and Comenity fraud dept. with no help in the matter. 

I did open an account with XXXX-Wayfair but not Comenity-Wayfair. 

Please help me solve this problem.
Product: Credit card or prepaid card

I purchase d US Ban k prepaid Mastercards #  XXXX ,  XXXX  and  XXXX  with initial value of {$200.00} in  XXXX   XXXX . I opened packages with these cards in  XXXX   XXXX  and discovered that money has already been stolen from these cards in  XXXX ! I submitted a dispute form to the bank, however they responded that it has been more than 120 days since fraudulent transactions were charged to my cards therefore they cant help me and I need to contact the merchant. I cont acted one  of merchants (  XXXX  ), they found these transactions and said that money have been transferred to a fraudulent  XXXX  account. They suspended that account, but according to  XXXX  they can refund money only when they receive appropriate paperwork from my bank. However, the bank is not willing to help me to return my money because it has been more than 120 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have sent in my Police Report from the Police Department to all three Bureaus Someone Broke into my house and all of my Personal Information was stolen and I been dealing with Identity Theft ever since this incident Happen to me and my Family This is Really Affecting me in a really bad way i need this to be fixed, please block these Accounts off my credit
Product: Credit reporting or other personal consumer reports

XXXX - XXXX/23 XXXX XXXX XXXX XXXX XXXX/23 XXXX XXXX XXXX/23  I NEVER gave permission for any of these companies to run my credit. I contacted all of the companies and they still havent done anything about it or removed the inquiry from my credit report.
Product: Money transfer, virtual currency, or money service

Good morning. Why longs time I dont see my money refund to my bank account. Can you help me check please. And longs time I dont hear anything from your customer service about my CasXXXX number XXXX. 
My transfer money its not working that why I cancel it and I want my money refund back to my bank account please. 
I dont see anything about my money refund back to my bank account. What happens. Please give my money refund back.
Product: Student loan

On XX/XX/2015 Mohela/Dept of Ed added a derogatory mark on my credit report XX/XX/XXXX and XX/XX/XXXX per XXXX XXXX XXXX. This account was transferred sold. Debtors creditor did not verify this collection mark. Also, there was no written form of communication of accused debt. I was always in forbearance. Anybody can send a bill and say its my bill. According to the FCFA Mohela/ Dept ed has violated my rights as a consumer and I'm requesting legal action to remove the late payments from XX/XX/XXXX and XX/XX/XXXX
Product: Credit card or prepaid card

Citibank has taken more than 90 days to process a dispute. Their website claims that this would be decisioned by XX/XX/2019 which has come and gone. Multiple attempts to contact the 'Executive Response Unit ' have been unsuccessful and no call back has been initiated on their part. XXXX XXXX XXXX, XXXX, and XXXX have been responsive and have processed their disputes and initiated permanent credits while Citi bank provided a confirmation alert that documents were received and then subsequently claimed that they were never received and denied the dispute based on this false information. 
Citi has falsely stated documentation was not received when it was and/or lost relevant documentation to the case provided in XXXX. On XX/XX/2019, their customer service agent provided an invalid email address to resubmit documentation to, and they have still not acted upon the information provided. It has been an ordeal. 
I have overpaid my internet bill with XXXX, a subsidiary of XXXX XXXX, XXXX XXXX, the merchant, acknowledges that I have a credit balance but refuses to reverse the charge to my Citibank account or provide a refund of such funds. CitiCards, the card issuer, has failed to act in 90 days on information provided multiple times. Most  recently XX/XX/2019. The primary documentation provided is a letter from XXXX acknowledging overpayment but requesting that I dispute the charges with my financial institution to reverse the charge and receive a refund. Citi refuses to act on this and the case still shows in progress to be completed no later than XX/XX/2019. Multiple attempts to speak with the Executive Response Unit of Citibank have been unsuccessful and they have not returned voicemails left.
Product: Credit reporting, credit repair services, or other personal consumer reports

all of my personal data is handled by my half sister who controlls everything in my hose hold the most recent is my dad and her controlling getting my po box and they updated the address to wich i couldnt even change because they would take proof of my new address they just brought me back two pages from my credit report. Its been ripped up but i remember the date of the transunion report and was XX/XX/21.
Product: Checking or savings account

I logged into my PNC mobile banking account yesterday ( X/XX/17 ) around XXXX to see if my insurance payment was submitted. The payment was submitted and my account became overdrawn by {$170.00}. I contacted PNC bank customer service line at XXXX because I wanted additional information regarding their overdraft policy as well as their return policy when funds are not available. At the time of the call, the rep informed me that as long as I make a deposit before XXXX XXXX time, I will not receive an overdraft fee. The rep stated if a payment was not received by XXXX, then a fee would be added to the account, she also stated that if the fee plus the overdraft amount was not paid by end of day X/XX/17 then the payment would be returned to the vendor unpaid. I worked to make the payment and unfortunately I was not able to transfer or deposit any money into the account prior to XXXX. At XXXX a electronic transfer was made to my account in the amount of {$99.00}, at XXXX XXXX a second amount was electronically transferred to my account in the amount of {$74.00}. The account remained overdrawn {$2.00}. I attempted to transfer {$3.00} at XXXX but the transition was failed and rejected, which did not allow the payment to be processed until today. PNC policies states an overdraft fee will not be applied to balances under {$5.00}, my balance was $ -XXXX Today I contacted PNC for a fee removal and I was informed that the transfers I made on X/XX/17 were not applied until today ( X/XX/17 ) therefore my account is eligible for an overdraft and the fee can not be removed. PNC reps provided false information on their overdraft policy and PNC would not provide customer courtesy and remove the fee. I have included information on the complaint I filed within PNC and the reference number is XXXX. I have attached documents supported when the transfers were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely, XXXX XXXX XXXX Please send your written response to my address of XXXXXXXX XXXX XXXXXXXX XXXX., XXXX,, LA XXXX
Product: Credit card

I made payment to an electrical contractor on XX/XX/XXXX for a service scheduled for XX/XX/XXXX. The payment was through a credit card with CitiBank. I cancelled the service on XX/XX/XXXX, because I was concerned about some bad reviews on the contractor 's XXXX XXXX. I never received any service from the contractor so I was expecting my refund which was never sent to me. To get my money back, I filed a dispute to Citi on XX/XX/XXXX regarding this transaction. I explained to CitiBank that I never received any service and the merchant was a fraud, and I provided details of this transaction including the date I made payment and when I cancelled it. It took CitiBank almost 2 months for the investigation, and on XX/XX/XXXX CitiBank got back to me saying that the merchant did not want to issue refund so Citi was unable to reverse the transaction. Till this time, other than the letter from Citi say " we are unable to reverse the transaction because the merchant is unwilling to '', I have not received any materials or documents that demonstrate that Citi did conduct the investigation. From all my communications with Citi, it gives me a feeling that Citi is reluctant when it come to investigating a dispute, and that Citi is sided with the fraud merchant. I don't know how Citi credit card customers are protected against fraud activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

The item serious delinquency has been on my credit report for 25 years. It was XXXX there fraudulently. There is no record of delinquency. Bank officer used the item on the report out of retribution after a disagreement in 1997
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few inquiries and an account I do not recognize on my report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the fraudulent account reported by XXXX XXXX with account number # XXXX on my credit reports. This account is entirely fraudulent, and I have no knowledge of its origin. I demand the immediate removal of this account from all credit reporting agencies and request a thorough investigation into this matter. 

Issues Identified 1. Fraudulent Account : The XXXX XXXX account appearing on my credit reports is not authorized by me, and I have never had any dealings with this entity. The account is fraudulent and should not be associated with my credit profile. 
2. Violation of Privacy and Potential Fraud : The presence of this account suggests a breach of my personal information and potential identity theft. This unauthorized account is a violation of my privacy and potentially involves fraudulent activity. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The presence of a fraudulent account violates this requirement. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 
3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified. 
4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies. 
6. Fair Debt Collection Practices Act ( FDCPA ) : Prohibits debt collectors from using unfair, deceptive, or abusive practices in the collection of debts, which includes reporting fraudulent debts to credit bureaus.
Product: Checking or savings account

At approximately XXXX XXXX XXXX on XX/XX/23, someone hacked into my Chime Bank XXXX XXXX ) account and made a transaction of {$4000.00} ( my entire checking account ) to a business named XXXX. Upon further research, XXXX is a XXXX and XXXX XXXX app. They changed the phone number and email address on the account to their own, which prompted notifications to me, which is how I discovered this was happening the next morning when I woke up around XXXX XXXX  MST on XX/XX/23. I immediately called the bank and they verified I was the rightful owner and unlocked the account and changed the phone number and email address back to my own. They attempted to make an XXXX grocery delivery order from an XXXX 's in XXXX XXXX but I was able to call XXXX and explain what happened. They stopped the payment and returned it to me. The phone number the hacker used was XXXX. Now, I have {$0.00} in my checking account and Chime is telling me it could take up to 90 days to investigate and resolve this issue even though this was a security breach on their end. I did not lose or misplace my card, someone hacked into my account.
Product: Payday loan, title loan, or personal loan

Hello, Several months ago I needed a payday loan.. I understood the terms were not favorable due to the nature of the loan and the risks involved for the company.. However, this is getting ridiculous. I took a {$1500.00} installment loan over 4 months ago and they have been taking out {$370.00} per check since XX/XX/XXXX. Every 2 weeks. That is over {$4500.00} paid for a {$1500.00} loan? On their website, I can not see the history anywhere and they are not responding to my requests to stop withdraws. I can not afford this any longer, it is putting my life and finances in serious jeopardy. I 'd like to stop all the collecting, I 've paid off my loan in full plus so much interest and fees. Their website gives me no information? PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

It angers me seeing that the Credit reporting Agencies have been ignoring my requests for the removal of the fraudulent accounts and information completely from my Credit File despite the multiple dispute letters and CFPB Complaints that I have been submitting to the Credit Bureaus. The Credit Bureaus ' willful non-compliance with the Fair Credit reporting act section 605b, is a clear violation of a consumer 's rights! I took the advise from my legal counsel and we are now ready to file a lawsuit against the Credit Reporting Agencies. I am submitting this CFPB Complaint to the Credit reporting Agencies as a final warning that in the event the Credit Bureaus do not comply with the requests and fail to remove the disputed accounts and information from my Credit Report. We will be filing the lawsuit that we have been preparing. Under the provisions of the Fair Credit Reporting act section 605b, I am expecting that the Credit Bureaus remove the following fraudulent accounts and information completely from my Credit File as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$39000.00} XXXX XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX  XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00}
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 use 1681. 

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 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 with antedates the report by more than 7 years. 

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Wells fargo fraudulent account not charged to my account for u know credits cards and title loans and mortgage loan case of identity theft On fields deceased husband was fraud also no apooint attorney for the identity thefts on mr. XXXX & Mrs XXXX XXXX  Change of name fraud from all XXXX account at bank 's
Product: Checking or savings account

I contacted Bank Of America on XX/XX/2020 about an unauthorized withdrawal of my account in the amount of {$15000.00}. Upon contacting them the moment I realized the problem, I was told that I had to order a new set of cards because my accounts have been breached and that this was the only way to secure my account. so I went ahead and order new cards as well as opened new account numbers per Bank of America 's wishes. upon doing so I was told that the video footage from the Bank of America would be accessed so that they could review it to make sure it was in fact a unauthorized transaction. Once I have done this I thought that I was in good hands. Only find out that that was not true in fact here we are just about two years later and I've received several harassing phone calls from reps and no mail correspondence from them at all on this matter. I've been down to the bank in person but couldn't get any in-person help I've called over the phone to only get belittled on knowing what I'm talking about as well as now every account I've had with them forcefully closed and I have no access to the records of the transaction. the money taken out of my account was for my kid 's school programs clothes XXXX and things of the sort .... I didn't expect customer relations to be so harsh and direspectful dealing with there customers.
Product: Money transfer, virtual currency, or money service

I am here to express my concerns when it comes to the handling of Zelle over my disputes and transactions. In the light of the recent CFPB lawsuit, despite using Zelle on numerous occasions it has failed to adequately report any claims I have made in regard to any financial decrepancies. The informed that recovering lost fund wouldnt be possible and tracking them were unfeasible. They not only have neglected me but other uses and have still allowed for others to exploit
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXA never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports