23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have been a Bank of America customer for 18 years. This year, for the first time, without any notification, the bank started to charge me maintenance fee without notifying me. When I called Customer Support to understand why, they told me my account has changed status due to change of average balance. However, my understanding is that they are obliged to notify me if this is the case. They never did. During the call I asked about notification. The agent did want to answer my question, referred me to another phone number. I called that number and they confirmed my account was demoted and also confirmed they did not notify me. My understanding is this violates regulations. The lack of transparency, communication is lamentable. Also, customer support was not helpful, either refusing to investigate my notification request ( first case ) or shrugging it off ( second case ). I feel they did not only not notify me, but they also did not apologize or care.
Product: Debt collection

This account was opened by the gas company for an apartment I never moved it due to the leasing office requiring the services be set to begin. I was in the hospital unexpectedly and told them I would not be moving into the apartment when they called to set up start date. The original company claimed there is no note of me saying that and that I moved the date. Completely incorrect. The company has sold the debt for utilities I never used. Leasing company for apartments refuse to take responsibility and utility company is deeming me responsible. I do not agree.
Product: Money transfer, virtual currency, or money service

To whom it may concern, Bank of America has acknowledged they have {$190000.00} our our money as of XX/XX/2020. BOA daily assures is the funds will be released to our checking account.

We have in writing the money would be deposited by XX/XX/20, we still have no deposit. 
We hope you can help us recover our money, thank you for your time, XXXX XXXX /XXXX XXXX XXXX XXXX XXXX XXXX , Massachusetts XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

the following address that is being reported to my credit report is fraudulent XXXX XXXXXXXX XXXX XXXX XXXX Virginia XXXX my correct address is XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX
Product: Credit card or prepaid card

I was trying to purchase a teacup yorkie from a breeder. We had sent emails to eachother somehow during our conversation s someone was able to hack into what I thought was her website. There was a down payment involved. I was sent a XXXX  link to use with PayPal to send money to cover the down payment. My PayPal account was linked to my XXXX XXXX XXXX card.I sent the payment which I thought was going to the breeder but she said she never sent me that XXXX address. This XXXX person got sent my {$300.00}. I dont even know this person and Im not use to dealing with PayPal anyway. Breeder didnt get her money but this other person did. I contacted the XXXX  card company they said it hadnt posted yet so I couldnt dispute it yet. Ive also complained to PayPal but not getting too far with them. Please help me try to recover my money. Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Request to Update Public XXXX XXXX XXXX Number Dear LexisNexis Risk Solutions Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XXXX XXXX XXXXbut I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Product: Credit reporting or other personal consumer reports

I'm citing the Fair Credit Reporting Act 15 USC 1681 section 602a which emphasizes the importance of consumer reporting agencies treating consumers fairly, impartially, and respecting their privacy rights. XXXX and XXXX, as consumer reporting agencies, must adhere to this. As a consumer, I have the right to ensure my private information isn't shared, as supported by 15 USC 6801, which stresses financial institutions ' obligation to protect customer privacy. According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only furnish consumer reports with written consent, which I haven't provided. Any consent previously given to XXXX, XXXX, or the furnisher of information to credit agencies is revoked. 15 USC 6802 ( b ) ( c ) mandates financial institutions to inform consumers of their right to opt out of information disclosure, which hasn't been done. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items without permission. Additionally, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits furnishing inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations. Equifax and Experian are not meeting these standards. Lastly, 12 CFR 1016.7 allows consumers to opt out at any time, and I am opting out of their reporting services.
Product: Debt collection

I had a XXXX cell phone account in XX/XX/XXXX. I moved in XX/XX/XXXX to a different address in the same state. I did not know that I had a residual balance on my account of XXXX cents. Pinnacle Credit Services , LLC reported this account to both credit reporting agencies 2 months ago and this account is showing up on my credit report as a open collection. I tried to resolve this through XXXX XXXX disputing services to no avail. I did not contact this company or make any payments to a collection company on this account. I received a letter from Pinnacle Credit Services which I am attaching in which they admit and I quote that " Because of the age of your debt, Pinnacle Credit Services , LLC will not sue you for it, and Pinnacle Credit Services will not report it to any credit reporting agency. '' They already did that 2 months ago! So they are still asking me for money and if I do pay it will be on my credit report as a closed collection for another 7 years! I would appreciate any help before I seek legal counsel. I am trying to buy a house and will not qualify for a bank loan with this on my credit report. Their dishonesty is costing me a home loan.
Product: Mortgage

I attach all the documents. I was behind on my mortgage in XX/XX/XXXX due to cut on hours on my job. But I got back on my feet and did a settlement with Carrington Mortgage. They take the settlement I did a down of {$3500.00} and making payments to them until they sold the loan to XXXX XXXX XXXX  in XX/XX/XXXX. I continue making my payments for {$310.00} until XX/XX/XXXX, because they notify me that they sold back my loan to Carrington Mortgage. I try to make my first payment to Carrington and they not accepted because they told me that I was behind 14 months. XXXX XXXX XXXX provide the evidence that I make payments to them on time until XX/XX/XXXX. Also the amount that I pay to Carrington before they sold it to XXXX XXXX XXXX, my balance was only {$5900.00} but now Carrington refuse to take my payment since XXXX and reporting me late to credit bureaus. I send all the evidence to them and provide evidence of my payments and every time that I call them I have to have 6 transfers, nobody know, that I owed {$12000.00} plus the months behind. That is totally wrong I send all the documents and they told me since XXXX that is on investigation and still not taking my payment. I am very stress that they don't take my payment. They been so mind to me. Please help me to resolve this issue. Please!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to car dealership and ask them to run my credit report for one lender, however I have multiple inquiries without my consent. In accordance with FCRA section 611, these companies violated my right to privacy and my consumer rights! 

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

I, XXXX XXXX, ( a natural person ) was issued a false debt. 

I do not owe such debt and this is a clear violation of my rights under Title 15 US Code Chapter 41 Commerce and Trade ( Subchapter 5 ) Fair Debt Collections Practices Act. 

I called XXXX XXXX XXXX in XXXX requesting that I be provided with validation to substantiate XXXX XXXX XXXX claim of an alleged debt. I spoke with them several times requesting an original contract with my wet ink signature providing documentary evidence that a legal contract exists between myself and this privately held entity named XXXX XXXX XXXX. I left over 7 messages for a manager with the company and received no responses. I have no contractual obligation to this company or this false claim. Again, this is a violation of my rights under Title 15 US Code Chapter 41 Commerce and Trade ( Subchapter 5 ) Fair Debt Collections Practices Act. 

I have spoken with Transunion on multiple occasions regarding the false debt. I informed them of all of the facts and affirmed that XXXX XXXX XXXX is committing fraud against me. Transunion continues to willfully keep the false debt listed on my credit report. Transunion is unable to validate the debt even though I have requested to be provided with an original contract with my wet ink signature providing documentary evidence that a legal contract exists between myself and this privately held entity named XXXX XXXX XXXX. Again, this is a violation of my rights under Title 15 US Code Chapter 41 Commerce and Trade ( Subchapter 5 ) Fair Debt Collections Practices Act. 

This is affecting my life I am undergoing extreme stress and emotional damage due to this nightmare. It is affecting my personal and professional life. I am unable to operate in the financial system properly with this false debt on my consumer report. I deserve justice for the trouble and harm this company is causing me by being complicit in violating my federal rights. 

Transunion continues to claim they need authorization from me to continue with an investigation. I am authorizing Transunion to address this matter for the sole purpose of removal of the alleged debt listed on my consumer report. I authorize and direct any consumer reporting agency to furnish a copy of my consumer report to the CFPB for the purpose of responding to and investigating my consumer complaint.
Product: Student loan

I was put on administrative forbearance against my will. As a result, I paid over {$600.00} in interest without that being a qualifying payment for PSLF. If the company is not able to do their job, the financial penalty should be their burden. It is impossible to get through to customer service.
Product: Credit reporting or other personal consumer reports

The address that is reporting on my credit report, I have never lived there. Ive sent equifax my FTC report and they still have not changed it. This has been happening for almost a year. Even with my identity theft affidavit, I am still told that information I disputed is accurate. Also, Im not sure if it is related but lenders are not able to pull my credit report because of the inaccurate information on there which has been hurting me from getting any loans including mortgage, credit, and auto. 
I have tried calling and speaking to representatives at equifax and they always tell me the same thing, all the information is accurate when it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with the Creditor and Equifax. Both companies are telling me the problem is with the other party and it is unresolvable. I have documents from the creditor stating that I have paid the debt on XX/XX/2020. XXXX and XXXX both report that the creditor has reached out and told them to delete the outstanding balance because the balance was paid in full. Equifax however, tells me that they spoke with XXXX and that XXXX told them the debt is outstanding. I do not believe XXXX and they are not helpful, and they have hung up on me at least 7 different times while discussing the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX. acct # XXXX, XXXX XXXX acct # XXXX, and XXXX acct # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Credit company SELF INC offers to build credit I Signed up on XX/XX/XXXX Self credit building account Got approved for a loan in a amount of {$530.00} Pay it in 12 month agreement Promised to pay it back after the loan has been payed off XXXX monthly payment Link my bank account automatic payment XX/XX/XXXX SELF INC offered me a SELF CREDIT CARD accepted the credit card No issues with account access Credit limit increased by on time payment 2 accounts same company SELF BUILDING CREDIT SELF INC CREDIT CARD under my name. 
XX/XX/XXXX finished paying the loan XXXX Payed me only XXXX dollars WHY Original payment XXXX Credit card had a XXXX only XXXX dollars to use Payed it on XX/XX/XXXX automatic Have only the credit card credit limit is XXXX My credit reports reads that I have 2 % credit used MAIN ISSUES WHY IM COMPAINING Cant access my account online No chat or talk to someone over the phone Reguarding my account Automatic machine over the phone SOCIAL SECURITY NUMBER AND BIRTH DATE Email response 48hrs Need to update my phone number email password to access my account Automatic machine says my credit card is locked due for over limit XXXX Reused once the limit goes back to XXXX Due date XX/XX/XXXX of a minimum payment of XXXX weird XXXX available credit limit over limit XXXX minuium payment of XXXX dollars doesnt make any sense Cant do anything about it Reached out 4 times over the phone emailed them about the issue Asked me to contact them through my exciting email that they have on file security issues No luck Only this claim
Product: Debt collection

Northland Group Inc. has continued to report unfavourable remarks on my credit profile for a debt that I do not owe. Hence, their negative remarks has continued to impede my ability to be considered for any credit worthiness and attain any measurable employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to Transunion numerous times about unauthorized inquiries as well as reach out to the companies in regards to these unauthorized inquiries. Transunion has not provided a resolution to the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Regarding complaint # XXXX, Ditech 's answer is quite misleading. The payments were submitted as their customer service rep advised. Later, the story changed and electronic payments are now the problem. Which is correct? XXXX never addressed the question of whether my information was sent to another customer, just as another customer 's information was sent to me. I would hope in this day and age, they would be more careful with private information but they sent me another customers papers twice. I would like a written statement from them that my information was never revealed to another customer. Thank you for finally getting to the truth and getting them to admit they changed their platform. I was told several times there were no changes made.
Product: Credit card

I opened this card only because I was promised a {$100.00} instant discount at the time of purchase. However, the discount was never applied. I called twice, and also submitted a dispute resolution. A month has passed, yet there is no resolution and no credit.
Product: Credit card or prepaid card

TORRID COMENITY XX/XX/XXXX payment {$38.00} XXXX {$2.00} payment XX/XX/XXXX payment of {$5.00} Every time I call and request to cancel the card and every time Im told it is cancelled but that Ive accrued a dollar or two of interest so every time I pay it and every month I get another bill. Cancel my card or I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX  XXXXBalance : {$4700.00} XXXX XXXX XXXX XXXX XXXXBalance : {$4600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXXXXXXBalance : {$4800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company is reporting what I believe to be a medical debt according to my credit reports - the same debt is listed 6 times. This debt does not belong to me - I contacted the company and they refused to assist with removing from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Multiple occasion Transunion Refuse to thoroughly investigates the public records on my report. Every single time I dispute it they told me it was verified within 24 hours. I am 100 percent sure they did not investigate the account. There is no way they could verified that inaccurate public records on my report within 24 hours of submitting a disputes. Transunion is willfully violating FCRA with absolute impunity. 
the method of investigation under fair credit reporting act ( FCRA ) section 611 ( a ) ( 7 ) for the bankruptcy record ( XXXX XXXX XXXX VIRGINIA ) on my TransUnion Credit report which was furnish and verified by Transunion. Under FCRA 611 ( a ) ( 7 ), the law afford me a right to accurate and complete investigation. I have a doubt that complete and accurate investigation was done since some of the investigation took only less than 24 hours after disputing with Transunion. The FCRA afford me a right to accurate and complete report. If the record is not 100 percent match the furnisher must immediately delete according to FCRA regulation. I do believe that TransUnion mixed up my files with somebody with similar names. Above is my information including my Names, Address ( 17 years at the above address ) and my social with DOB. Under the FCRA 1681e ( b ), furnisher must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Matching only the last four digits of my social is not a maximum accuracy and it therefore violates FCRA and recent 11th Appeal court decision. I am also requesting that TransUnion furnish verifiable proof that this record belong to me.
Product: Credit card or prepaid card

SNYCB / Paypal credit card They opened a credit card account in my name WITHOUT an application from me! between XX/XX/2023 and XX/XX/2023, this card was added to my credit report I made NO request for this account NOR did I file an application for this account. 
I do not want this account! 


Calling them to get this problem rectified is also Problem as you are on Hold for ever! 
All the guy on phone does is apologize, and refuses to explain how or why the application was made on their part. 

This has resulted in a Hard inquiry on my credit and a reduction of my credit line. 

They are not willing to say what happened or why and also claim it will not affect my Paypal account. BUT I do not believe them. I have had my Pay pal account for years and never had a Problem BUT at this point I may be closing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX, as a consumer reporting agency, is governed by 15 USC 1681 and I have evidence that they have violated my rights under this act multiple times. The following accounts listed below were furnished by XXXX, Experian, XXXX without my written consent and I demand their immediate deletion : XXXX XXXX XXXX  Account Number : XXXX According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) also states that a consumer reporting agency may not make any report containing adverse information that antedates the report by more than seven years. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) requires that a person shall not furnish any information about a consumer if they know or have reasonable cause to believe that the information is inaccurate. 

I also did not authorize the following companies to access or pull my credit report, and these inquiries were fraudulent. I have contacted these companies and they have no proof of authorization or permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In conclusion, I demand immediate removal of these blatant violations of my rights. Failure to do so will result in me taking legal action against all parties involved. I request that the Consumer Financial Protection Bureau takes swift action in resolving this matter and ensuring that my rights are protected. Thank you for considering my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked online ( through Equifax itself ) and learned that I was at risk for their hack. It is unacceptable that my personal information is now lost and I will forever be at risk for identity theft.