23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXXXX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX  XX/XX/2021XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX  XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 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 or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX. THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO FCRA SECTION 605B THAT YOU EXPERIAN THE CREDIT REPORTING AGENCY, BLOCK INFORMATION APPEARING ON. MY CONSUMER XXXX CREDIT REPORT THAT IS THE RESULT OF IDENTITY THEFT AND FRAUD WITHIN XXXX BUSINESS DAYS OF RECEIVING THIS COMPLAINT. THIS FRAUDULENT, FALSE, AND INACCURATE INFORMATION CONSIST OF XXXX PERSONAL LOAN ACCOUNTS OPENED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNDER THE ACCOUNT NUMBER XXXX. A PERSONAL CREDIT CARD ACCOUNT OPENED AT XXXX XXXX XXXX ON XX/XX/XXXX UNDER THE ACCOUNT NUMBER XXXX. THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT COLLECTIONS AND FRAUDULENT ACCOUNTS BEING REPORTED TO MY CONSUMER XXXX CREDIT REPORT. I DO NOT RECOGNIZE THESE ACCOUNTS APPEARING ON MY CONSUMER CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE, OR INITIATED BY ME. ALL OF THE AFOREMENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT AND FRAUD. I HAVE ATTACHED A COPY OF FTC IDENTITY THEFT CRIMINAL COMPLAINT # XXXX AS PROOF FROM THE XXXX FEDERAL TRADE COMMISSION THAT ALL OF THE AFOREMENTIONED CONSUMER CREDIT ACCOUNTS ARE THE RESULT OF IDENTITY THEFT AND FRAUD.
Product: Debt collection

Called me about 3 weeks ago from XXXX XXXX saying I owed a debt and that if I dont work something out with them right this second while on that call they where going to serve me papers and sue me. I never heard of the debt they say I owe and knew nothing about it. I asked for them to send me a letter to My address. I have never received any letter. And now its on my credit report.
Product: Debt collection

Okay. Apparently, the problem with Resurgent / LVNV has NOT been resolved. This is a continuation of complaints XXXX and XXXX. Those two complaints dealt with the fact Ive had a standing agreement with this collector for the past two years to only contact me in writing. In XXXX of this year, one of their third-party collectors did something goofy with my account and started calling me again in violation to my written FDCPA request. The underlying problem is : the response Resurgent submitted through the CFPB on XX/XX/XXXX doesnt say A SINGLE WORD about the violating phone calls, when that was the whole reason for the complaint! As for the reason Im filing this new complaint : On Thursday XX/XX/XXXX, I received two long letters from Resurgent that were written as if I had contacted them for debt validation. On Friday XX/XX/XXXX, I received a third exact letter with several pages of debt validation. And on Saturday XX/XX/XXXX, I received a fourth very short letter that just says Resurgent has issued a review of my inquiry. I NEVER requested debt validation! The first three letters I received in the past two days are completely identical. The fourth letter is the only different one. I also received a one-page letter at the beginning of the week ( Monday XX/XX/XXXX ) that was very similar or identical to last letter I received on Saturday XX/XX/XXXX, but I threw it away when I received it, because it didnt say anything substantial. You guys at Resurgent are going positively insane with this debt validation mail. Why are you spamming me with all these debt validation letters, when the problem was never about debt validation to begin with?! The problem was the illegal phone calls that violated my FDCPA request!
Product: Credit reporting, credit repair services, or other personal consumer reports

Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

I requested a dispute and investigation into SYNCB/PPC account that shows a balance of {$1500.00}. The account number to this account is XXXX. I have not received an update on this account. I have disputed this account as recently as XX/XX/2023 but I have not received any updates.
Product: Credit card

I purchased a XXXX from Best Buy using their 18 month deferred interest agreement. I was unable to pay the balance in full by the end of the promotional period and was charged {$940.00} in interest. I called Best Buy to see if they could reduce the interest payment. On a {$2000.00} laptop, I was charged {$1000.00} in interest.
Product: Checking or savings account

To whom it may concern, My card has been used without my authorization on XXXX  for the total of nearly {$4000.00} dollars. After I realized it, I contacted Bank of America for help. They told me to divide it into 3 different claims : {$3200.00}, {$130.00} and {$140.00}. Then, they started researching my claim. After 9 days, I was told that one of my claims ( the {$3200.00} one ) has been denied, where the others are reimbursed. 

It honestly makes no sense. My card was used without my authorization. This is a fraudulent charge. How can one of the claims be denied while technically they belong to the same case?
Product: Checking or savings account

Credit karma took money from my XXXX XXXX with my card locked XXXX dollars that was for my hotel room the following week causing me to have to pay by the day until my next paycheck which I get paid biweekly so this has been ridiculous because they keep telling my gf that they are sending me my money back to my card but I have yet to see anything. After talking with several of the reps on the phone I was rudely brushed off and lied to by several of them. How is it that they can pull money on a two month old dispute without leaving any transaction history with my card locked... they also took XXXX dollars from my gf and tried to say her money bounced back to her XXXX XXXX. It did not. I am furious that a bank so widely known is being operated by thieves. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$82.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6100.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

We closed on the sale of our property XX/XX/2023. On XX/XX/2023, XXXX XXXX received a XXXX in the mail for the remaining XXXX XXXX XXXX  and escrow balance of a total XXXX. The XXXX was made payable to both parties on the loan XXXX XXXX XXXX XXXX ). XXXX XXXX endorsed the check and proceeded to move back to XXXX. On XX/XX/2023, XXXX XXXX ' bank refused to deposit the XXXX in her individual bank account without XXXX XXXX being present ( he lives in XXXX ). XXXX XXXX and XXXX XXXX were not married and did not have a joint XXXX  account. XXXX XXXX called XXXX XXXX XXXXXXXX Shellpoint Mortgage Servicing XXXX XXXXXXXX. He explained the problem, they said they would need to conference both of us in because we both had to be " opted in '' to authorize an XXXX to be sent to XXXX XXXX ' bank account and would also need her bank info. After much trouble and several calls ( we had to explain our situation with every rep ) we could not talk to the same person each time we called or got cut-off. They said they are only an inbound call center. On XX/XX/2023, XXXX XXXX called them to find out why the XXXX had not been sent, Shellpoint made him call XXXX XXXX an a conference call. The rep we spoke with said the last rep on XX/XX/2023, forgot to " opt in '' XXXX XXXX. She assured us that we both were " opted in '' this time and our XXXX to XXXX XXXX bank account was being processed ( XXXX XXXX verified the bank info ). On XX/XX/2023, XXXX XXXX called to find out why the XXXX had not been sent. The rep that spoke to her said that the last rep did not " opt in " XXXX XXXX. We had to bring XXXX XXXX back on the line to " opt in '' for the XXXX. time. We were assured that we would have the XXXX in XXXX more business days. It is XX/XX/2023 and the ACH is not in the designated bank account.
Product: Student loan

When I got accepted to college, me and my family knew it was going to be hard to fund my education. In 2010 my mother did her best by finding the best student loan provider and landed on Sallie Mae/Navient. At the time my mother was only earning XXXX a year on a government contract. My mother requested a lower amount for my private student loans, and she was told that 'she earns too much money. ' Durning my XXXX college tenure she was laid off and had no job during my junior year. Upon graduation I knew I had to tackle this looming large student debt. I got a job that did not pay much, and I reached out to Navient to see what I could do. The only thing that was offered at the time, to my knowledge, was forbearance. They offered that to me and that was the route that I chose. I did receive collection phone calls during forbearance, and I had to keep reminding Navient that I was in forbearance. My co-signer, who was my grandmother, was also receiving mail and phone calls during this time. However currently, I struggle to keep up with payments and I don't believe the XXXX program would benefit me at all. I lack faith in the system that it will help.
Product: Credit reporting or other personal consumer reports

These account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, Equifax, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? Equifax removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had a XXXX Bank XXXX XXXX card for XXXX years. In XXXX, Synchony Bank purchased all of the XXXX XXXX XXXX XXXX accounts. In XXXX XXXX, Synchony Bank increased all rates from 14.29 % to 29.99 %. I paid off my Synchony XXXX Card account in XXXX XXXX and applied for, and obtained, a new XXXX Bank XXXX XXXX card. Previously, XXXX would notify me via cell telephone, text message and email if there were any questionable charges to my account. A very valuable, and appreciated, service. Since XXXX XXXX, after paying off my Synchony XXXX XXXX Card account, I have not made any charges to that account. I just learned that improper, and unauthorized charges have been made to my idle Synchony XXXX XXXX account dating back 30 days. An automated voicemail message was left on an old, unused home phone line. No cell phone call/message. No text message. No email. All the venues that I was accustomed to as a XXXX card holder, were abandoned by Synchony Bank. I must now dispute and investigate XXXX transactions that were initiated over a period of 2-weeks in the state of Florida ( as I am a Pennsylvania resident ). I believe that the poor protections and efforts on the part of Synchony Bank should be reported to other consumers. Although Synchony Bank assumed all XXXX XXXX XXXX customer accounts, they abandoned the consumer protections and communications that were previously extended to the XXXX customers.
Product: Debt collection

I have contacted EQUIFAX via email regarding the line item account and display of my nonpublic personal information as a non-affiliated third party. EQUIFAX has repeatedly denied my right to privacy regarding my nonpublic personal information. I demand the above information on the EQUIFAX line item REPOSSESSION and LATE PAYMENT be excluded.
Product: Vehicle loan or lease

On XX/XX/XXXX HARLEY-DAVIDSON CREDIT CORP. signed for and received my Registered Security. The registered security was indorsed and notarized and sent registered mail # XXXX. Registered mail was addressed to XXXX XXXX, XXXX XXXX and XXXX. XXXX XXXX is the person in charge of handling all securities as per the Indenture Agreement dated XX/XX/XXXX and filed with the XXXX XXXX XXXX XXXX XXXX In compliance with the Electronic Funds Transfer Act, and pursuant to UCC 8-401 ( b ) it is the fiduciary duty as issuer, to comply with the request upon surrender for transfer and authentication of the NOTE. Acceptance of the registered security constitutes Tender of Payment as outlined in UCC 3-603 and is payable on demand as per UCC 3-108 . It is important to highlight that it is the duty of the Issuer to comply with Note Holders instructions as per Se

ction 3.03 of INDENTURE AGREEMENT, and that failure to comply with these instructions for the redemption of the registered security constitutes SECURITIES FRAUD under UCC 8-507. Pursuant to 12 CFR 1005.34 Procedures for cancellation and refund of remittance transfers.

( a ) Sender right of cancellation and refund. Except as provided in 1005.36 ( c ), a remittance transfer provider shall comply with the requirements of this section with respect to any oral or written request to cancel a remittance transfer from the sender that is received by the provider no later than 30 minutes after the sender makes payment in connection with the remittance transfer if : ( 1 ) The request to cancel enables the provider to identify the sender 's name and address or telephone number and the particular transfer to be cancelled ; and ( 2 ) The transferred funds have not been picked up by the designated recipient or deposited into an account of the designated recipient.

( b ) Time limits and refund requirements. A remittance transfer provider shall refund, at no additional cost to the sender, the total amount of funds provided by the sender in connection with a remittance transfer, including any fees and, to the extent not prohibited by law, taxes imposed in connection with the remittance transfer, within XXXX business days of receiving a sender 's request to cancel the remittance transfer. 
Refusal to comply with this order constitutes SECURITIES FRAUD and TAX FRAUD! 

Harley-Davidson Credit Corp. , Harley-Davidson XXXX XXXX XXXX , Harley-Davidson, Inc., Harley-Davidson XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Continue to call after I told them not to call any further. I told them to forward any information to the address on file. They also continued to call other people looking for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this request myself to address the inaccuracies on my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1500.00} XXXXXXXX XXXX XXXX Balance : {$12000.00XXXX XXXX XX/XX/XXXX XXXX F XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts # 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 a account without my written instructions.. 

XXXX. XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX Acct # end XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Acct # end XXXX XXXX. XXXX XXXX Acct # end XXXX XXXXXXXX XXXX XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX XXXX XXXXXXXX acct # end XXXX XXXX. XXXX XXXX XXXX Acct # end XXXX XXXX. XXXX XXXX XXXX XXXX  # end XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to or benefit from the following information : Transunion, XXXX, & XXXX listed on my consumer report, block or remove the following account XXXX ( Original Creditor : XXXX XXXX XXXX  ON XXXX ) XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Product: Money transfer, virtual currency, or money service

I called my bank and asked them to do a balance transfer on my Apple credit card in the amount if {$2600.00} on XXXX. The transaction was processed on XXXX yet the transfer did not reflect on my Apple credit card. I called on XXXX to find out why. The representative told me to wait a few more days for it to post. I called again on XXXX since the credit still has not posted. The representative told me Apple does not support balance transfers. She filed an internal complaint on my behalf and told me it could take anywhere from 10 to 30 days before anything happened. It has already taken nearly a month and Apple has still not applied the credit to my account. Because of that I am still accruing finance charges and having to make monthly payments on a balance for which funds were received. Yet in order for the transaction to have posted to my lower rate credit card with my bank, Apple had to have received the funds. How can my bank send them payment for the debt and Apple accept the monies and still collect finance charges and payments for it???
Product: Money transfer, virtual currency, or money service

I needed to transfer money from my HELOC at The Huntington Bank in XXXX, IL to my XXXX account. I required the money for a down payment on a property which was suppose to close XX/XX/XXXX. I went to XXXX on XXXX, XX/XX/XXXX to wire the money and was told the wire may not go out until XXXX. When I called on XXXX morning they were just sending over the wire. I spoke with XXXX XXXX who I had set up the wire transfer when I visited the bank. She sent over the wire confirmation via email. To date, the transfer is not showing up on my HELOC account, but did post to my XXXX account on XXXX, XX/XX/XXXX. XXXX can not tell me why my account is not reporting the correct balance nor when it will report the correct balance. My lender needed this new balance to show up in order to close on my new property. We spoke with the branch manager XXXX XXXX several times and he is doing nothing to help us. My husband spoke with him just before XXXX XXXX  XXXX on XX/XX/XXXX and XXXX XXXX told my husband he was leaving at XXXX XXXX   sharp and " our issue was not his problem. '' We are going to lose our new home and {$10000.00} of earnest money if we don't close in the next couple of days. Nobody at that branch wants to assist us. Something was not done correctly and they won't tell us why my balance is not reflecting correctly.