23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have encountered a dispute with Portfolio Recovery Associates regarding an account with the following details : Account Number : [ Account Number ] Account Type : Debt Buyer Date Opened : [ Date Opened ] Collection Account : $ [ Collection Amount ] Original Balance : $ [ Original Balance ] On [ Date ], I noticed inaccurate information on my credit report, specifically related to the account listed above. The reported information does not align with my records, and I have reason to believe it is not in compliance with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). 

Despite my attempts to address this issue, no satisfactory resolution has been reached. I have taken the following actions : On [ Date ], I contacted Portfolio Recovery Associates via [ communication method ] to dispute the inaccuracies in the reported information. 

I provided documentation to support my dispute, including [ mention any supporting documents ]. 

I am seeking a prompt and accurate resolution to this matter in accordance with the FCRA. The accuracy of my credit report is of utmost importance to me, and I am prepared to take further steps as necessary to address this dispute. 

Please let me know how this issue can be resolved at your earliest convenience.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX- DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX BALANCE {$980.00} Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are hard inquiry on credit report i have not allowed 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

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX EMPLOYER : SELFEMPLOYED Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Hello there cfpb, I need to report self Financial group as it appears on my credit report, my information was shared without my consent. I have never had any affiliation with self Financial group ever in my life my rights we're violated completely and self Financial group appears on my credit report as a very hard inquiry and the information is absolutely incorrect and false. Self Financial is using predatory business practices to gain access to consume his personal information
Product: Vehicle loan or lease

NBT Bank, a New York bank, failed to cancel a car loan payment made through their internal bill pay services after I had explicitly canceled internal bank payment. 

On XX/XX/2022, I called to have their internal payment canceled. This was in order to control my payment through their provided web portal. In the call with customer service, I was sent a form to fill out, sign, and return by email to cancel their internal payment. I returned that same form on XX/XX/2022 to XXXX. 

On XX/XX/2022, I found that not only did they NOT cancel their internal payment for my auto loan, but also the payment that I setup to replace their internal payment was charged. I called their customer service questioning why my cancelation request was not put through. I was informed that they had received the request but had failed to cancel their internal payment. I was then informed that they could not cancel, refund, or stop either payment made to NBT Bank. 

As a result of this, I have been double billed for an auto loan payment and was required to make efforts with my own bank to cover the unexpected expense of double billing.
Product: Credit card or prepaid card

I was charged a full amount of ( {$1100.00} ) by a rental car agency falsely claiming that it is a hold/security deposit on my card due to a minor scratch found upon return inspection on the front bumper of the rented car. 

The hold/security deposit was described as necessary to allow the car rental agency to get an estimate for the repair and provide backup documentation to myself and insurance company. since then there has been NO communication or evidence provided by the rental agency to myself and insurance company despite efforts by myself and insurance agent ( attached emails ) to contact the rental agency. 

This was disputed with Capital One and despite providing all the documentation and the rental car agency being unresponsive to Capital One, Myself and insurance company during the 90 day investigation period, Capital One proceeded to put the full charge back on my account. after speaking with Capital One representatives, they were unwilling to correct this mistake and charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reorting Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXXXXXX 15 U.S.C. 1681 section 602 I have the right to privacy.

15 U.S.C 1681 section 604 Section 602 States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) Sections 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

THIS IS NOT A DISPUTE. EXPERIAN BROKE THE LAW AND REPORTED AN UN-AUTHORIZED ACCOUNT ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE EXPERIAN ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED ACCOUNT ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).
Product: Checking or savings account

I have my paycheck deposited via mobile on the XXXX and the end of the month. BMO sends two emails, one that the deposit was received, the other that the deposit was approved. My XX/XX/XXXX deposit was approved by the bank. Typically, the next day around {$500.00} in funds is released and then on the second day I have full access to my funds. When I kept checking my account on Friday, XX/XX/XXXX ; there were no funds ; I received no further notice from the bank so I called the customer service line on Saturday XX/XX/XXXX and spoke with XXXX. She informed me that my paycheck is being held by the fraud department ; she informed me that in looking at my history I've been depositing my paycheck from that company since XXXX or XXXX. She could not tell me why the fraud department has a hold on my funds at all and gave me the fraud number to call. When I contacted the fraud department they told me the hold was on the funds until XX/XX/XXXX and that there wasn't anything they could do about releasing the funds until then. As a back story, in XXXX of this year, I closed another BMO checking/savings account due to the possibility of a scammer getting a hold of my funds. I was assured by XXXX at the XXXX XXXXXXXX XXXX that my new account will not be tied at all to the old account and there should be no problem with my paychecks going through. My XX/XX/XXXX paycheck went through without a problem but my XX/XX/XXXX paycheck, which was received and approved has been put on hold - for what reason? I do not understand. I have utilities and phone bills and mortgage and now I'm scrambling to get these deadlines extended so I do not incur any disconnect fees or handling charges. The fraud department was extremely rude and said there was nothing they could do about it, just wait until the XXXX. Easy for them to say, they have their paycheck in hand. This has caused great financial and emotional distress to me and I am beside myself as to why this has happened.
Product: Mortgage

XXXX XXXX Virus - we are XXXX XXXX. 
our XXXX  is closed..Government offers 12 month defer payment and put on back end of loan.. PHH is  only offering 3 months off but then it is all due on the XXXX of the XXXX month, IN FULL.. Told to take offer and then if there are any changes, they will call you and offer them.to you. There would be no problem to change option. I was told to sign up for program and then change when available. 
Do not trust this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX have 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 an account without my written instructions.
Product: Mortgage

On XX/XX/XXXX we became aware that we were paying for two homeowners policies for our property located at XXXX XXXX XXXX XXXX. XXXX CA XXXX. Our broker failed to cancel a policy with XXXX when we switched carriers to XXXX XXXX XXXX. On XX/XX/XXXX the XXXX policy was terminated and the broker notified our lender at the time which was XXXX. At the same time this was happening, XXXX sold our mortgage to PHH Mortgage Services. We contacted them immediately but they said they needed time to get our loan loaded into their system so we contacted them again in XXXX. At that time we were assured that they would perform an audit immediately on our loan and make sure we were only paying a single carrier, reduce our loan payment to only include the XXXX XXXX payment and then refund us the amount we had overpaid for the past year. That never happened so we called again and got the same assurances. Now it is XXXX and we called again and spoke to four different agents named XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and XXXX. None of these people could address our concerns and while XXXX said they would audit our account, they could not refund us what was owed without a new process being started in another department. We've spent hours on this now and still are paying for two insurance policies when only one is covering the property. Nobody at PHH Mortgage was able to help and we want our overpayment refunded to us now.
Product: Credit card or prepaid card

Reduction of a line of credit from XXXX to XXXX based on incorrect information from the credit bureau at the convenience of Brand Source of the Citi Bank that owns the card. It is unfair and I consider it fraud. Further alleges that the account is delinquent and that is the reason for the reduction
Product: Debt collection

This is capital one is was close on XX/XX/XXXX of 2021, the amount of the account XXXX I try to dispute it and told them the someone else one open the account and they really didn't do anything about the situation. 

This is XXXX XXXXXXXX XXXX  it was Closed on XX/XX/XXXX of 2021, the amount of the account XXXX I did the same for all three of them. 

this is XXXX XXXX XXXX  is was close XX/XX/2021 of 2021, the amount of the account XXXX when they call I told them that is was a identity theft but. they didn't t believed they thought I just was to get out of pay of the debt. when I got card I just rip them apart and throw throw them away and recent I think homeland Security call to talk to me because someone was file fraud against me when some else using my information was and I have two checking account close as-well it was XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of the disputed information on my credit report, leaving unresolved accounts that remain inaccurate or unverifiable. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for systemic violations, including its failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and neglecting to properly notify consumers about the outcome of their disputes. These issues reflect my experience with Experian, as they have not corrected or removed disputed items despite the supporting evidence I provided. This ongoing failure continues to harm my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction constitutes a violation of federal law and my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrect information for a student loan on my Equifax report several times including over the phone, and they refuse to remove the incorrect information which is causing an issue with my score increases. I have a student loan that was initially serviced by XXXX XXXX for many years. About a year and a half ago I believe it was transferred to XXXX for servicing. I was told that XXXX no longer services student loans. However, when disputed Equifax continues to refuse to remove this item from my credit report. All others have removed the XXXX, but for some reason Equifax will not. While I explained to them the amounts differ slightly because of the interest it's clear to see they are all four the same. There are two for XXXX XXXX and two for XXXX. XXXX balances are {$9900.00} and {$7100.00}. XXXX balances are {$9400.00} and {$6900.00}. Please assist me with the removal of the XXXX XXXX balances from my Equifax report. I do not have access to the XXXX   report, if it is there please remove as well. I don't really understand how they can explain the continued reporting of this debt when it is no longer being serviced by that particular provider. Thank you for whatever it is you may do to assist.
Product: Credit card

Originally some one used my credit card in XXXX. I never was getting any bills. In XXXX i took out a loan, the bank never notified me that there is an outstanding balance, because I would have questioned it and disputed. In XXXX i got a letter of bank collection. That is when i started to question. I spoke on the phone with the bank and cancel my card. I spoke with another representative to file dispute claim. Not once did the rep mentioned that it was too late to file it. In XXXX i get letter stating it was too late to dispute and i am liable for all charges including late. I filed complaint on cfpd website. Afterwards i got a call from XXXX XXXX from first Niagara bank and after his investigation i was told that the balance will be dissolved but he can not fix the credit report. Recently i received a collection letter regards this matter and my daughter called XXXX XXXX but he just ignored us. Please help with this matter. Thank you very much.
Product: Bank account or service

I was a customer from American Express since XXXX when I was selected to become a cardholder of a green card American Espress ; I started using the card during XXXX and unfortunately due to an economical issues I overdraft the card, after XX/XX/XXXX I stared get in contact with all the banks I had issues with to try to make an arrangement in my payments, but this credit card did not want to send me a statement, did not provide me my whole account number either replace my plastic ( I moved at the end of XXXX and lost some of my belongings during that procedure ), when I let them know what happened they denied me all my banking information and finally received a statement ( which I requested ) with the amount of XXXX dollars which I paid with a check and sent them by XX/XX/XXXX and by XX/XX/XXXX I received and email from AMEX saying they had received my payment, after that I called and cancelled my credit card and even wrote a lletter to them saying that I did not want to have any business with them anymore in order that my experience with them was just simply terrible. Now 2 years later I received a phone call from AMEX claiming a payment of the amont mentioned avobe and the representative asked me when I was willing to pay them the amount that I still owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent information Showing that the information the bureaus are reporting are inaccurate and incorrect. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Hi there, My friend, XXXX XXXX, and I were scheduled for a flight at XXXX on XXXX night XX/XX/XXXX. We boarded the plane but had to get off due to technical problems. The flight was rescheduled first to XXXX midnight, then to XXXX in the morning, and ultimately to XXXX noon on XXXX, XX/XX/XXXX. Throughout this time, my friend and I were at the airport overnight without access to any facilities. Unfortunately, our subsequent flight to XXXX was also delayed, shifting from XXXX on Sunday to XXXX on XXXX. Consequently, I arrived at my destination XXXX day late on XXXX. 




I spoke with the agent in person ( I did not pay attention to his name ) to arrange accommodation for us at a hotel because of a flight delay. But unfortunately, we had to spend the night at the airport as there were no available rooms. It was a challenging experience, especially for me since I'm pregnant who experienced discomfort and had a difficult night. The XXXX XXXX put us through a miserable night since it didn't take responsibility and did not provide us with the least facilities like blankets, snacks, or water. 


After we arrived, we contacted with XXXX XXXX to dispute transaction because of misrable service that they provide for us. They just apologized. 


Then we contacted XXXX XXXX XXXX to dispute the transaction because the service that we recieved was terrible. After a while, we received a message that they refused to dispute the transaction because we had received the service. 




This answer was disappointing, I did not pay that amount to receive that service. With all respect to unforceen events, the XXXX XXXX was not accountable for its clients, especially for XXXX or XXXX individuals. As I mentioned above, they did not provide the least facilities like blankets, snacks, and water. It was not a mistake ; it was underestimating the clients rights. 


After all, When I contacted Bank of America, Bank of America refused to dispute the transaction despite I sent all documents related to the flight. 



If I pay my balance XXXX day after the due date, I will get the late fee for that. Im wondering with that terrible experience why Bank of America was beside the American airline. Bank of America should be next to its clients to protect their rights. Our trust to you is the only reason to be Bank of Americas client. 

Please do not apologize, just take action Sincerely, XXXX XXXX
Product: Checking or savings account

I was charged an overdraft fee by Chase Bank due to an online purchase. Though my account showed a positive balance at XXXX XXXX ET, their cutoff time, and for several hours afterwards, in the morning they essentially retroactively applied the payments to the previous day meaning that even though they showed me a positive balance at XXXX XXXX  ET and at XXXX XXXX ET and at XXXX XXXX ET ... I was overdrawn at XXXX XXXX ET and assessed a penalty. 

This is frustrating because had I been shown my accurate balance the previous evening, I would have simply transferred some money from one of my other accounts to cover the deficit as I had the funds available elsewhere. If Chase treats these online transactions as if they occurred immediately, even if they show as pending for a day or more, then they need to show the charge immediately so that I can manage the funds in my account. It is absolutely unreasonable that they would show me a positive balance in my account at the last point that I have an opportunity to correct the deficit, then assess me with an overdraft fee when they're the ones who told me I was in the black. If Chase treats these online transactions as if they occurred immediately, even if they show as pending for a day or more, then they need to show the charge immediately so that I can manage the funds in my account.