23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

For years now we have had an account at CitiBank ( Costco ) and have always made our payments online and on time. Because we discontinued our membership at Costco a year ago, they for some reason removed access to our online account ( where we made payments. ) Since that time we have gone round and round about making payments through our bill pay service at the bank, and because of the failure on their part to post correctly, we are getting charged undo interest and fees. We are currently paying this through our online banking with the information provided by them. I am consistently called and told I have a past due payment when it was sent weeks ago by my bank. Today they were calling me for {$7.00} in past due something, but will not allow me to pay less than my minimum payment. They tell me I should pay by calling in my payment, or setting up automatic payments, and I do not feel comfortable ( with this current screw-up ) I should have to do this. Every time I call to get help, I get transferred to multiple extensions and told I will be credited for this mix up, but that does not seem to happen and I continue to get calls. The overall impact on my credit is another issue because now they report me as paying late when I pay my payments. I am tired of having to explain this issue with every single person who calls me and get no resolution. They need to give me back my online access so I can pay through that portal. Oh the topper for all of this is they say I have to know the entire card number. Since I do not use it and closed the account at Costco I destroyed the cards. They will not send me nor provide me the account number. HELP!
Product: Credit card

I fully understand the terms of the deferred interest promotional plan and had every intention of paying off the balance within the promotional period. In the final month, I made a lump-sum payment of {$5800.00} from my account on XX/XX/year>, which reduced the remaining balance to {$200.00} ( please find supporting documentation included ). My wife had automatic payments set up for {$200.00} per month from her banking account that began with the origination of the account, and we were both under the impression that this final {$200.00} payment would process automatically, bringing the balance to {$0.00} and fulfilling the terms of the promotional plan. 

Unfortunately, I was unaware that the lump-sum payment had deactivated the automatic payment setup. This technical oversight was entirely unintentional, and as my payment history demonstrates, it is out of the norm for us to miss any payments. I encourage you to review our credit reports, confirming our consistent track record of paying bills on time and in full. 

The first notification we received about the {$7000.00} charge was on XX/XX/year>. As soon as I saw it, I immediately made the {$200.00} payment that had not been processed automatically, hoping to resolve the misunderstanding by contacting Comenity. They allowed me to open a dispute, and since XX/XX/year>, we have been fighting this issue without any resolution. 

I have submitted four packets of documentation and letters requesting compassion in this matter. My wife and I have spoken with Comenitys customer service multiple times, yet no one has been able to assist us. We have not been given access to anyone in the dispute department, and the frontline customer service representatives have been unable to provide a solution. 

At this point, we are frustrated and unsure of how to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX case XXXX CFPB You XXXX responded { I quote } that you are not required to have a contract with a consumer. I request the contract that you XXXX claim to have with alleged XXXX XXXX XXXX Hospital and my self services claimed provided in complete detail of service, a copies as to where I agreed to these services [ My signature on each alleged account approving of service.You XXXX stated I quote { we are not required to have a contract with the consumer I request a Copy of your contract with XXXX XXXX XXXX Hospital. I need all the enclosed documentation in detail for my investigation to possibly file a fraud case. You XXXX Subrogated yourself on to or into a contract as a third party not being on the alleged original contract. I want that contract not letter stating it was bought, traded, sold, given, to you by XXXX XXXX XXXX Hospital to you. You XXXX should have the alleged original contract with myself, XXXX XXXX XXXX and your XXXX on that contract. If you are not on this alleged contract You XXXX have no right to substitute { subrogate on to or in to a contract, A third party collector not on alleged orginal contract between a consumer and creditor can not claim that anyone owes them money
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, [ 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. I've disputed these accounts highlighting the inaccurate and incomplete information reporting, and these companies continue to violate my rights. please help me solve these issues. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the Credit Reporting Agencies to remove the fraudulent information completely from my Credit report. The letter I sent on XX/XX/2022 was already my 3rd letter requesting that the Credir Bureaus remove the items as they resulted from the theft of my identity. It has been a battle going through this and I am suibmitting this complaint to delete the following fraudulent information in my file. The dispute items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Reporting Agencies immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Bankruptcy Reference # : XXXX U.S. Bankruptcy Court
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

XX/XX/XXXX, I have requested all three credit reporting agency reports via online sites as per PA AG explanation " Attorney General XXXX is alerting consumers that XXXX Equifax, and XXXX are providing free credit reports on a weekly basis to users until XX/XX/XXXX '' XXXX  download right away. Other two had the following errors : Equifax " Online Delivery Not Unavailableand XXXX  " Unable to complete your request! After several tries same problem with last two. 
Received XXXX  in mail and it has different information than XXXX  and still not received Equifax ( requested same day above ). 
Questions 1 How do these errors get on these reports in the first place? 
2. How do different errors get on different agency reports if same identity? 
3. What agency has oversight on these 3 and their mishandling of identity? 
4. Since I am presently handling identity theft issues, how do I get ALL my information out of all three since they have proven to be irresponsible and not accountable? 
5. Who's identity is on each agency 's report, Not correct information to be me. So please provide name of person, who gave you that wrong info, date of info.. etc so I can contact that business and find out cause or if another theft of my personal information.
Product: Credit card or prepaid card

In XX/XX/XXXX, I received a direct deposit of {$500.00} in my PayPal account. The same day I received and email that my account was being closed and that I can access my money in XXXX I called PayPal and no one can answer my questions I been on hold for hours and no resolution. I rarely use the account there are no suspicious charges because there is barely any money deposit it there. I beg and pleaded with PayPal to give me an answer and they all say I will have to wait 6 months to get my money. I contacted my XXXX  department at my job and they reached out to XXXX and since I waited the XXXX day to contact the XXXX department they cant reverse the payment. They stated federal banking regulations said I have to contact them within 5 days of the issuance. Well I did contact the XXXX department at my job Friday XX/XX/XXXX the day we got paid and the girl who took my concern did not put in the correct request like I asked her she simply stated that my account was close and my money should be return I had to call back last Thursday XX/XX/XXXX and speak with XXXX department and she told me about the federal banking regulation of 5 days to reverse payment. So because a call center rep took my concern down incorrectly I was outside of the 5 day period and when Payroll attempted to reverse payment XXXX said they could not do anything I will have to reached back out to PayPal. I just want my money and some answers on why it was close. They just have my money sitting there that I worked for. I dont understand I use the PayPal account for shopping and miscellaneous items I dont do anything else but that. I spoke to a supervisor he had it escalated and of course no one reached back out to me. People are heartless and no help when you call PayPal I need my money and a resolution. My reference number from PayPal is ( XXXX ID - XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX is reporting transaction history since the opening of this account and should not be. It is illegal to report transaction history under 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXXXXXX Balance {$20000.00XXXX XXXX XXXX XXXXXXXX Balance {$17000.00}
Product: Mortgage

On    XX/XX/17 , we  were charged a {$480.00} appraisal fee for an appraisal that we did not order. The appraisal was ordered by  Santander  Bank, due to the fact that we were going to potentially short sale our home. We were able to sell our home for more than what it was worth. On   XX/XX/17 , t he date of our settlement, we contacted Santander for a payoff figure. We immediately filed a dispute for the appraisal fee because Santander jumped the  gun in ordering the appraisal. We had not even submitted a short sale offer and they had already sent an appraiser to our home and charged us for the appraisal. We were told we would be contacted within 5 to 7 business days with a decision on the dispute.  On  XX/XX/17 , w  e  called Santander to see what was happening with th e dispute, because we were never contacted, and we were told that the appraisal fee would not be refunded because they had the appraisal completed to protect their interest. O n  XX/XX/17 , the date of payoff, we were also charged a {$50.00} satisfaction fee. We asked about this fee on  XX/XX/17  and we were told it was a fee for the satisfaction of the short sale, which we never incurred. We would like  to have a refund of the {$480.00} appraisal fee and the {$50.00} satisfaction fee. We were hoping you could help us in this matter.
Product: Credit reporting or other personal consumer reports

THIS IS A REPEAT DISPUTE I filed a dispute against the account below reporting inaccurate information to XXXX XXXX, XXXX and XXXX. This account is deceptive, misleading and fraudulent. 
PORTFOLIO RECOVERY XXXX XXXX reporting a past due amount of {$590.00} This unlawful crime has caused me immediate financial harm by adverse action due to being denied any extension of credit. In accordance with my rights under 15 U.S. Code 1681o Civil liability for negligent noncompliance, the Fair Credit Reporting Act ( FCRA ). I have continuously demanded the contract and or agreement made to this company signed with my wet ink signature that legally binds me to the above debts. 

I request that the CFPB take action to ensure PORTFOLIO RECOVERY ASSOC complies with federal law and provide me, the consumer with the necessary proof of debt validation as this accounts is unlawful according to 18 U.S. Code 894 - Collection of extensions of credit by extortionate ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means.

( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not availab
le, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection. 

Also to include The statute of limitations for debt collection is covered in XXXX  Code, Courts and XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$740.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

On or about XX/XX/XXXX, I took myself to the emergency room of XXXX XXXX XXXX ( hospital ) as I had a XXXX  XXXX  that was getting worse by the moment. 
I was admitted to an emergency room, and it was determined that I would be treated and kept for the evening. I was released the next day, and went about my business. 
I never received a bill ( which seems common since I have Medical ) from the hospital. 
Approximately on XX/XX/XXXX this year, I found a derogatory credit item on my XXXX credit report from a collection agency that uses the name of California Business Bureau, with an address of XXXX XXXX XXXX XXXX, XXXX, CA XXXX I placed a phone call there on XXXX, with the intent to find out why my emergency visit to the hospital was turned over to a collection agency. The woman I spoke with indicated that my insurance did not cover the hospital visit, as I had " XXXX XXXX and the deductible had not be met '' I informed her that I had no other coverage/insurance other than Medical, and that this had never been an issue before. 
She stipulated at this point, that I needed to get a form ( MC 180 ) from Medical showing my coverage, and that they would then bill them ( Medical ) I reached- out to Medical and they indicated that " I needed to provide the bill from the collection agency, before they could send me this form '' I called Medical a second time, and got the same response. 
On XXXX, I called the collection agency, and spoke to a woman by the name of " XXXX '' who said she would forward the bill ( same bill I never received ) to my residence. 

On XXXX, I called the collection agency once again, and spoke to another woman there who indicated that here name was XXXX XXXX. At this time she indicated that my bill was " archived, and that forwarding it to me would take awhile '' I asked her how long/what time-frame was " awhile ''? and she replied that she had " no idea '' I am attempting to do the right thing, resolve this matter, and the collection agency is far less than helpful. 
The hospital is supposedly in the amount of {$2500.00}. 

Thank you in advance for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I received an Escrow Shortage Notice that required a payment of {$4700.00}. A Cashiers Check for the amount of {$4700.00} was mailed to their office on XX/XX/XXXX for the shortage. 
Another Escrow Shortage Notice was received on XX/XX/XXXX for an amount of {$4800.00}. Which is outrageous because I had just sent a payment in XXXX, XXXX and that payment was NOT noted or credited to the account from the Notice that was received in XX/XX/XXXX. 
WHERE IS THAT MONEY? 
I have attached copies of the XX/XX/XXXX Escrow Shortage, the Cashiers Check and XX/XX/XXXX Escrow Shortage, copies of Property Tax Statements that show an increase of {$210.00} from XXXX and a copy of the Declaration for Homeowners Insurance of {$2100.00}. 
I DEMAND this company to justify why I should expect to pay {$9600.00} in Escrow. 
Im paying double in Escrow than on my mortgage note!!