23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased shirts from XXXX XXXX, the shirt got stuck at their regional postal office due to a chemical spill, the vendor and I did not have knowledge of this. I filed a dispute with PayPal I received a temporary credit. When I finally received the shirt I returned them due to chemical exposure. The vendor refunded my money in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX  realized I had received 2 refunded and made an adjustment to XXXX XXXX  balance. PayPal has placed a - {$77.00} on my account stating a decision in their investigation ruled in favor of the vendor. Today at XXXX I spoke with a supervisor and explained the above she stated their decision is final. I told her the vendor has the merchandise, she refunded my money, XXXX XXXX to back their temporary credit, so PayPal is forcing me to pay for something I dont have. I then asked for a manager she stated she was the highest and the decision is final. PayPal is trying to steal {$77.00} even though all documents are provided showing I owe nothing. Furthermore responding with agreement statement are not freeing them of theft.
Product: Debt collection

My complaint is that ARS National Services Inc there address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX phone is XXXX XXXX the collection agency is constantly harassing me for a very old credit card store debt that's over the statue of limitations their abusing their power by calling me I tape these calls for evidence
Product: Mortgage

My father is a XXXX year old XXXX man. Who has a fourth grade education and grew up in rural South Carolina. Why am I telling you all this? Because I just found out that he has a mortgage for XXXX dollars, at ten percent interest. His payments are over XXXX dollars a month. He is on a fixed income, and recently fallen behind in his mortgage. I think the interest rate is highway robbery, and I think he was beguiled into refinance his house that he has been in since 1977.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression.

Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed in attached document
Product: Credit reporting or other personal consumer reports

The credit bureau is reporting incorrect personal information, such as my name, address, date of birth, or Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has reported my XXXX payment as late after correcting it again last month. In reality, the XXXX, XXXX, XXXX payments were not late. 

XXXX has deleted the account due to the inaccuracies but Equifax XXXX XXXX continue to report this incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TransUnion, XXXX continue to report an inaccurate account on my report per the attached letter please assist in removing immediately as stated per FCRA law.
Product: Checking or savings account

After disputing a transaction Bank of America wrongfully froze my account and funds that I had in the account without notifing me that my funds were not assessible. Bank failed to assist when asked to help unfreeze the account and gave me misinformation by stating the state unemployment office would have to remove the freeze due to the state being responsible for the freeze and when I finally got in touch with the state unemployment office I was told they had XXXX control and the bank would have to unfreeze it and the bank again lied to me by stating I would need to get an attorney to get the freeze taken off. This continued for over 2 weeks. The XXXX I spoke to at Bank of America called me a bum that was only trying to get free money. When I told her I worked and paid in to unemployment she told me I was XXXX and she could not help then hung up on me. I spent a total of 38 hours on hold in a span of 15 days only to be hung up on everytime. I spoke to the state attorney generals office and was told I could get assistance from CFPB. Bank of America contacted XXXX XXXX XXXX XXXX and stated my account was fraudulent and XXXX XXXX froze my unemployment benefits for a total of 3 months causing undeserved suffering for my family. We lost our home and car due to the freeze causing my benefits checks to be lost in transit for a total of XXXX checks and 4 months total. When I attempted to request they unfreeze my account I was put on hold for 7 hours the first day, 5 hours the next day and so on and so forth and hung up on numerous times. Bank of America allowed an unauthorized person to open an account for a pay card I had no idea about. I asked the XXXX about the freeze and was told it was automated by the computer and they had no control over the freeze. The investagator from dispute resolutions agreed with me that it was so confusing and unlawful for the bank to do this without reason or notice. It has come to my attention that CFPB fined bank of America for issues exactly the same as mine. I have been treated unfairly by both the bank and the CFPB and will seek assistance from the Ombudsman if necessary to resolve this matter. I am forwarding this complaint to my states governor and the office on the comptroller of currency also. Please help me get the justice my family deserves for being forced to lose our home due to the banks unfair and treatment of myself, the bank was deceptive and the CFPB obviously agreed with that due to the huge fine they gave the bank for similar issues. I attached pictures and every single paper represents a check that was lost in transit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to the owner - informed him about the hard inquiries and explain that he only ran my credit one time. I explained that their are 17+ hard inquiries, he said he will call be back. I left him a message, that I wanted a refunded for his services and to remove those inquiries since I didn't give them any consent.
Product: Credit card or prepaid card

I have contacted Comenity 3 times. The 1st time I called was last week to let them know that several charges on my comenity credit card was NOT me! An agent name XXXX said a complaint was filled and that it will be investigated. He also said someone stole my credit card info when swiping at a store.. Someone stole my credit card info and made purchases totaling in {$800.00}!! I have been calling comenity this week and all calls go straight to a voice massage and the call gets disconnected! since the complaint made last week I have also lost access to my account!
Product: Debt collection

No reason any Collection Agency should contact me. THis seems to be a scam. Company calls me everyday. They use different numbers. Want me to call another number. Claim they are ERC. want info to collect a debt. I can not help them, see my reasons below. They give a Ref number XXXX. I have a credit rating of 834 + with 2 of the credit Bureaus. I have Zero late payments on my credit record with any of the 3 Credit Bureaus in over 30 years and more. Phone numbers they use to call me on are ( XXXX, XX/XX/2019 XXXX ; XX/XX/2019, and XX/XX/XXXX, XXXX, at XXXX. I have never received any debt letters from anyone. I blocked these calls but they show up in my voice mail. This is my 2nd complaint with you to no avail. 

I have no documents as I am paid up on any credit cards. My Identity was stolen by the XXXX years ago via Federal Govt. I now have ID protection given to me free from the Federal Govt. I can provide a copy of their investagation report on my good credit with ZERO late payments, ZERO collections, ZERO bankruptcys. 

I have NEVER received a statement from this company. I do not have an account with this company. Thus provided their Ref number in the account box. 2nd Complaint and they never contacted me via email on prior complaint.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : per the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get into my XXXX several to access my account, and the email address is completely different than I have. I have tried to get into the email address, and that is not a email address or phone # i have ever had before. 
I have talked to an agent at least XXXX different times over the past 3 days. 
I was told yesterday, and today that I have started a new credit account!? ( how is that possible? ) I was not on part of the credit breach, but someone decided to use my identity for the Ohio XXXX last year. 
I hope you understand why I am XXXX out! 
Please help me.
Product: Debt collection

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from AFNI in XX/XX/2018 in the amount of {$1.00}. First and foremost, I have confirmed that the debt collector, AFNI is not licensed in the state of Texas to collect on this debt. Secondly, AFNI violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to AFNI? I have never heard of them, have no written contract with them and have never received any benefits from them, yet AFNI has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$1500.00}.
Product: Debt collection

To whom it may concern, This debt was on my credit report in the past under another debt company " XXXX XXXX '' I continued to dispute this debt Its not my debt the utilities were being used by someone else after I left that apartment someone was stealing the electric so I was billed for it service was terminated. Now after disputing this several times it was off of my report so I'm like it's about time they believed me and fixed the issue so now it's back on my credit report under another name XXXXransworld systems Inc. and once again here I find myself disputing it once more I want this rectified This company like the before mentioned company has no idea what happened and why I am adamant about not paying what I don't owe.
Product: Debt collection

This complaint is in reference to SARMA!!!!! 

I disputed the SARMA collection account through XXXX  on XX/XX/2019 ; however, I have never received a response from XXXX. I have sent two certified letters to SARMA and they are not being delivered for an unknown reason. I have contacted the United States Postal Service and they are unable to advise why it was not delivered and are unable to track the letter. Due to the fact that I reside in XXXX XXXX, I attempted to drop off the dispute to their office personally ; however, they were very rude and would not take my dispute. I asked to speak with a supervisor/manager and waited for over 20 minutes but no one would come out to talk to me or even come back out to tell me how much longer it may be. 
Why is SARMA providing a XXXX XXXX XXXX XXXX, XXXX XXXX, Texas address if the USPS is unable to deliver and no one will take my dispute in their office? Please see the attached letters that have been sent certified mail on two separate occasions with no success. I have attached both certified mail receipts for your review. It appears SARMA is making it impossible for their collection accounts to be disputed as the USPS is unable to deliver the certified letters and they will not take any disputes in person. 
Please request SARMA to validate this debt account as outlined in my XX/XX/2019 letter ( a signed form with my signature on it ) or please delete this account asap. 

Thank you,
Product: Debt collection

I engaged XXXX XXXX XXXX XXXX  for debt resolution and XXXX XXXX representing Portfolio Recovery was one of the accounts and they did not engage them causing a judgment against me and garnishment which is paid. XXXX XXXX failed to provide a revocation letter to XXXX XXXX after my many attempts to call and sent emails and XXXX XXXX will not provide proof that it is settled without a revocation letter. I am closing on a house in XXXX weeks and all I get is that " a state attorney will call you ''. I told them that XXXX XXXX XXXX XXXX  is in Litigation with the CFPB and they didn't know what CFPB represented. I sent them a copy of the litigation and the condemnation of garnishment but no response yet. I need them to provide me proof they received payment and the judgment satisfied before XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled from companies I did not authorize. 

XXXX Date : XX/XX/XXXX Barclays Bank DE Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed all  XXXX  of my credit report have saw numorous hard inquiries on my report i never gave approve for such as.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   There is numerous   XXXX   inquiries   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

XXXX. XXXX XXXX removed a fraud account that did not belong to me last year when it was discovered during a routine security background check. I work in the XXXX XXXX and it was discovered that while I was working in XXXX and XXXX, somebody had opened a XXXX XXXX account with my details without my knowledge or consent. They also removed the account from my credit listed by XXXX XXXX, who they had referred the fraud account to. 

On XX/XX/XXXX, XXXX XXXX and XXXX began collections against me again illegally, and began reporting the fraud account against me illegally again. This is slander and Libel. I gave them proof I was out of the country and I never opened the account.
Product: Checking or savings account

I feel well fargo owe me money due to the amount on the online banking never match the amount I have in my account and it always show the wrong amount which me to have a over withdrawals fee
Product: Checking or savings account

For years we had a personal and a business checking account. We never ever had any returned check or ever overdraft fee. And all of a sudden they closed our accounts. Gave us 21 days to resolve whatever we needed. 
Very unfair
Product: Credit card

I have called, emailed and written to Bank of America in regard to their reducing my credit limit with each payment. My original credit limit was {$15000.00} and now it is just over {$10000.00}. 

Due to identity theft, unauthorized use of two credit cards Bank of America has decided to lower my credit limit each time I make a monthly payment. For the past XXXX months or so I have consistently paid {$500.00} per month, but the bank lowers my credit limit each time. 

I have never been late, failed to pay or pay short of the required amount. I contacted Bank of America and asked for them to restore my credit limit and reduce my interest rate, but they have refused to lower my rate and continue to reduce my limit. 

I have explained to them that I am retired, and I am not in financial distress or hardship. I assured them that I am committed to paying the debt in full and do not want to resort to bankruptcy or negotiate a settlement, but they treat me as I if I have not been a loyal well-paying customer. 

I also explained the unauthorized use, theft, provided a police report, etc., but they continue to treat me like a high-risk customer when I am absolutely not a risk. Prior to the events my credit score has ranged between XXXX and XXXX for the past 35 years. 

I am poised to pay them another {$500.00} on the XXXX of XXXX and need this type of treatment to stop and for Bank of America to treat me the respect and appreciation that I deserve.
Product: Credit reporting or other personal consumer reports

I am deeply shocked and dismayed to discover a fraudulent apartment collection on my credit report. This discovery is not only unexpected but also deeply concerning, as it suggests potential identity theft or erroneous reporting. XXXX action is necessary to rectify this situation and restore the accuracy of my credit history. I have contacted the agency and they can not furnish proof of residency or original documentation with my furnished signature.