23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # 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 state a consumer report agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

With my MasterCard Gold Card under Barclays Bank, I am having issue with them not giving me my SCRA benefits under PA State law Title 51. Under Federal Law I do not qualify since my active duty start date is before I open the account. But under Title 51 of PA state Law, It requires that all banks who do operate in PA follow not only federal law but state as well. I know I have these benefits  because XXXX XXXX gives me these benefits because of my residence to PA and not my XXXX XXXX start date. I opened the account in XX/XX/XXXX time frame and sent the Law to Barclays where the continued to deny my benefits back in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates I filed the following disputes with CFPB : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX CFPB - you have allowed the credit bureaus to not act accordingly to my FCRA rights as a consumer. I have filed several complaints with you, which you've closed my complaint every single time. You have allowed the credit bureaus to use the stall method acting as if I was impersonating someone else which is XXXX. I am the original creditor per the FCRA and no debt can't be validated unless " I '' the consumer validate it. This has caused me XXXXXXXX XXXX loss of employment due to this public record on my credit report which is a violation of 15 USC 1692d ( 1 ) states any bad debt furnished on my credit report is ruining my reputation. This defamation and emotional stress. 

I have been asking for a remedy and haven't received anything yet. My privacy is being violated continuously. Since you have been closing my accounts with no remedy and not holding the credit bureau accountable, if this issue is not resolved I will be seeking litigation on you.

I am a California Consumer and I will refer you all to the district attorney office. 

I have also filed a complaint with the FTC and XXXX 

Removed this off my CREDIT NOW!
Product: Credit reporting or other personal consumer reports

I am writing to inform you of several inaccuracies in my credit report, such as incorrect account entries, an unknown collection, unauthorized inquiries, and billing errors. I would appreciate your assistance in resolving these matters to safeguard my financial security.
Product: Credit card

For several years I have been trying to pay off or at least get current with my Juniper Credit card ( owned by Barclay ). XXXX card has been closed, but they continue to charge me interest. I have XXXX other cards that have been more than helpful in that respect and I am slowly paying them off. When I ask for a similar deal they refuse. I have been through several short term hardship programs, that have been somewhat helpful, but have never brought my account current. After the last stint at short term hardship, I spoke to an account rep who was surprised that I was never offered a long term plan. I told her, it was never available to me, per their parameters. I asked her if my account was closed, she confirmed it was, I then asked why they are trying to charge me more that the Washington State limit of 12 %, she did not have an answer. I want to pay off my account, but they make it impossible with the interest they charge on top of late fees. I have written them a letter asking to be put on a plan with even monthly payments and no interest. Is there anything else I can do, besides filing for bankruptcy?
Product: Credit card or prepaid card

Payment made XX/XX/XXXX was applied ~XXXX XXXX. I called to close my account and to receive a refund of the {$64.00} owed to me. I was told that the account would be closed and that I would receive my refund in 2-3 business days. The account remains open, and I do not hav the refund. I have spoken to XXXX XXXX, XXXX XXXX, XXXX XXXX by email, as well as a gentleman who assured me it would be refunded to me by today. I spoke to XXXX today at XXXX who transfered me to a supervisor XXXX who said that it had recently cleared their accounting department and should be in my account by the XXXX of XXXX. This is all unacceptable.
Product: Debt collection

On or about late XXXX or early XXXX I defaulted on a XXXX credit card. There are several aspects to my complaint. First off, this debt is about 4.5 years old and just now reporting to my credit file. When I first saw the item on my file I disputed the validity of it due to not recognizing the account due to not seeing anything about this account in years. Upon receiving notice I made contact on XX/XX/XXXX at XXXX XXXX to gather some information and attempt to make a settlement. I spoke to a representative and then a supervisor named XXXX XXXX. XXXX mentioned 2 adjustments in amounts of {$44.00} and change and {$19.00} and change. I questioned these adjustments and told him I needed verification of where they came from. He told me they came from the original creditor, XXXX XXXX. XXXX also informed me that Midland Credit had already verified the account from the dispute I submitted so no need for verification on the adjustments. XXXX continued to push me to set up a payment and wanted to give me until XXXX the same day I made contact to investigate the adjustments which was not a reasonable amount of time. After ending my call with supervisor XXXX XXXX I attempted to contact XXXX XXXX, the original creditor. I spoke with a customer service representative at XXXX named XXXX who stated she could not find information for that account on her system. I spoke to another representative in the recovery department who stated the same information that they were unable to locate information under my name for that account. I also contacted XXXX  to ask the status of the dispute that Midland Credit claims was verified and as of XX/XX/XXXX XXXX  claims the dispute is not complete and is still in progress. Midland Credit discouraged a verification or investigation of these adjustments which I have a right to as well as asking me questions such as when my last payment on the account was. Pertinent information such as dates related to the account is their obligation to confirm and depict accurately.
Product: Debt collection

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XX/XX/XXXXXX/XX/XXXXand I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 Account Number : XXXX and so on.
Product: Checking or savings account

I deposited my income check on XX/XX/2020 at XXXX at a bank branch ATM. There was no disclosure that they would place a hold on my account. This has negatively affected me. I am not able to pay my bills, go grocery shopping, etc. I am now going to incur late fees due to this. 

I called into the bank to find out when my check will be released and they stated by XX/XX/2020. This is unacceptable. There should have been a disclosure on the ATM machine. There should have been disclosure on my receipt. Nothing. Not one thing in writing giving me an option to not deposit the check and taking it to the bank on the check to cash. If I would have been given this option, it would have avoided hundreds of dollars in late fees. 

Co-America Bank should be required to give dates of release and notification that a check will be placed on hold. 

Thank you,
Product: Debt collection

Paypal claimed I owed them {$640.00} as of XX/XX/XXXX, but that was not true. 

On XX/XX/XXXX, I made a purchase of {$640.00} on XXXX XXXX via PayPal. This order was then canceled, and from that day, PayPal claimed I owed them that amount of money even though it was purchased by a credit card linked to PayPal. 

I have tried to contact PayPal by email in the past few months to dispute the issue, but I have never heard from them. PayPal then closed my account, and I can not contact them again.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX
Product: Checking or savings account

Money was withdrawn over seas on XX/XX/XXXX also money was taken from my bank account from an transfer overseas little by little overseas .using my debit card number
Product: Consumer Loan

I recently ( XXXX ) changed my payment due date at Key Bank. This month the payment was due XXXX/XXXX/17, my bank XXXX XXXX XXXX sent a check that was delivered on XXXX which was a Friday, Key Bank then took Friday, Monday and to " process '' the payment. They then charged me a late fee on XXXX/XXXX/17. I do n't think it 's fair that they can take their time " processing '' a payment and then charge a late fee. It should be counted as the day they receive the payment. They could theoretically hold everyone 's payment for " processing '' as long as they like and then charge everyone a late fee.
Product: Credit reporting or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting Act 15 U.S.C 1681 section 604 A. section 2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.
Product: Checking or savings account

I filed two disputes XXXX XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX XXXX buy XXXX $ on XX/XX/XXXX and again on XX/XX/XXXX The bank instantly closed both disputes which is Why i opened it twice will try opening it again for a third time while this claim is open.But the bank did not investigate the claim at all i have evividence to proof my claim but they did not even ask for it the total for both disputes is XXXX $
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of XXXX XXXX. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, DEPT OF XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, DEPT OF XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter to each credit bureau against my rights being provoked unlawfully and I have sent prior messages through you as well. The bureau 's have not responded and it has been past 30 days from initial complain XX/XX/XXXX. The following still stands. 


In accordance with the Fair Credit Reporting Act : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), MERCHANT XXXX ( XX/XX/XXXX ), XXXX  ( acct # XXXX ) XXXX  ( acct # XXXX ), XXXX ( XXXX ), XXXX XXXX  ( XXXX ) XXXX XXXX  ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( acct XXXX ) : XXXX XXXX XXXX ( 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. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These fraudulent accounts and reporting methods. deemed illegal should be removed from my report this is illegal and the files should be removed from my credit report PER THE LAW STATES.
Product: Debt collection

Company repeatedly calls and does not leave a voicemail. When calls are answered, calls are disconnected without any communication. 

I was finally able to return a call on XXXX and advised the agent to suspend communications for 6 months. They called me back later that day, again, call was disconnected with no communication. 

Company tends to call 3-4 times a day. 

This has been going on since XXXX. 

They are also calling from XXXX, XXXX, XXXX, XXXX
Product: Debt collection

Pro Collect collection claim has been removed from my XXXX credit report because the account could not be verified, so instead they claimed the debt under Other Loans and reported late payments for the alleged debt.
Product: Debt collection

To Whom It Concern I disputed an open collection account with  Hunter Warfield Inc on   XX/XX/2017    in regards to an account for original creditor   XXXX   XXXX   for the amount of {$750.00}. For the record I requested debt validation for the debt due to me not being 100 % positive as to who I owe this debt to. I tried researching and to my understanding   XXXX   XXXX   is a property management company. I have currently been living at my recent place of residence for more than for  XXXX  years. In my previous residence I lived for more than  XXXX  years my lease was not broken and unit was properly cleaned and taken care of. Any damages that would 've been noted were due to normal wear and tear due to the fact that I was there for more than 7 years in which the property would assume responsibility. If indeed this company believes I owe any additional monies I believe that my rights to a itemized listing of whats owed is due to me in which they have not replied to my request in the pa st 30 or m ore days. This company has gone to great lengths to change wording and spellings of names and listings of multiple address that makes it hard for the consumer to properly request info thats needed. I ask that if this company can not provide proper documentation within a timely manner that all negative reporting be removed from all of my credit reports.  <P/> Thanks  Advance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to collect an alleged debt without providing any proof of contractual obligation of myself to said debt. XXXX XXXX is reporting to all major credit bureaus. I have requested legal proof of the obligation from the credit bureaus and the furnisher from XXXX XXXX. My requests have been denied by all credit reporting agencies, and have been ignored by XXXX XXXX. The credit bureaus have all returned a status of " Verified '' for the account upon my dispute initiations. I dont understand how the account is being verified with XXXX XXXX Transunion XXXX and XXXX XXXX when the company doesn't even respond to my verification and validation requests, the person in which they are attempting to collect the alleged debt from? The company is clearly unable to provide proof or contractual obligation for the alleged debt, yet, XXXX XXXX is still able to post to my credit report, which is a violation of my consumer rights. I have reached out to XXXX, Transunion, and XXXX to ask for the proof the company is providing as verification and validation of the account. My requests were denied. I was advised by XXXX, Transunion, and XXXX that it is not their obligation to provide me with proof of the account, and I should reach out to the creditor. I have reached out to the creditor, and the creditor has ignored the request.
Product: Debt collection

Observed this company post a trade line on my XXXX  report on XX/XX/2020. Have received no correspondence from company as to who they are, what they are attempting to collect, etc.
Product: Checking or savings account

I received a debit card from serve, along with a letter indicating that there was a bank account number in my name. I did not open this account, and there does not appear to be a way to contact serve to investigate or close the account unless we already have an account set up. This card is issued by American Express National Bank. This may be identity theft.
Product: Checking or savings account

whom it may concern : On XX/XX/XXXX the balance in my Savings Acct at the Bank of America ( B of A ) was {$80000.00}. On the morning of XX/XX/XXXX, I signed in to my computer to pay my monthly bills only to find out that B of A had debited my account for {$80000.00} leaving me with {$500.00}. I called B of A at XXXX XXXX on the XXXX  of XX/XX/XXXX, only to spend the next hour on the phone with customer service with no success. During most of the hour, ( the last 15 minutes of which I was left on hold ), I was asked many questions about my financial history. Did I ever do this or do that etc. Finally, at XXXX XXXX I hung up from B of A and went across the street to the B of A branch, at which I have my account. The bank representative XXXX XXXX had not the slightest idea what had happened. After one hour and 15 minutes with no success, I left and left my number with Mr. XXXX so that B of A could call me. During the morning I received many calls from B of A, asking many pointless questions like if I had a business : if I had joint accounts at B of A etc. to help them determine what the problem was. At around XXXX on XX/XX/XXXX, ( 4 hours after this search started ), I received a call from B of A ( XXXX XXXX (? ) saying the debit was for an amount of money B of A had written off years ago. This representative was very sketchy on details and made many erroneous statements ( like arguing that the money was taken from my checking account and not my savings ) trying to justify this debit to my account. I inquired why I had not been contacted. He replied I would be receiving a letter from B of A soon. It is now 5 days and I have seen so such letter. How can a bank pirate a customers account of over $ 80K and there is no communication on the matter?. 
I am a retired senior. I am a twice  XXXX survivor who needs to take meds with a huge co-pay. In XX/XX/XXXX I had XXXX  XXXX and now require drops whose co-pay over {$100.00} per prescription plus a XXXX XXXX that requires an additional prescription with a co-pay of {$120.00}. Also I have to take XXXX XXXX XXXX pills daily. My mortgage and other direct monthly payments are funded from this account. I have XXXX  XXXX scheduled for XX/XX/XXXX. I have expenses associated with this. 
I cant believe that B of A, after being with them for over twenty years, would seize my money. My life is now in a total tailspin. To add insult to injury, the B of A representative said they left the {$500.00} in the account to save me the service fee that would be charged if the account fell below {$500.00} Thanks a lot, BANK OF AMERICA. Living up to your slogan, " Life 's better when we're connected. ''
Product: Debt collection

I answered a call not knowing it was a debt collector. They have also reached out to my sister who never gave them her number, nor did I give them her number. They call me all day long from different numbers. Ive asked them to verify the information and they have refused. I have gotten into verbal altercations about them harassing me during work hours.