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

Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by  CB I d isputed the following charges on my credit report with  XXXX ,  XXXX , and  XXXX  i asked to show a contract showing I signed in agreement with the below listed collections on the balances they are trying to collect with me and th e all (  3 ) CB could not show me a verified contract and the balances still remain on my report   XXXX   XXXX   XXXX   - Acct #  XXXX  - reported bal {$820.00}  XXXX   XXXX  - Acct #  XXXX  reported bal {$2900.00}    XXXX   XXXX   XXXX     -  Acct  XXXX  - reported bal {$260.00}  XXXX   XXXX   XXXX   XXXX  Acct  XXXX  - reported bal {$380.00}  XXXX   XXXX   XXXX   XXXX   XXXX  Acct #  XXXX  - reported bal {$260.00}   XXXX   XXXX   XXXX      XXXX  Acct #  XXXX  - Reported bal {$250.00}  XXXX   XXXX   XXXX   XXXX  -Acct #  XXXX  - Reported bal {$390.00}
Product: Debt collection

I was Recently sent a letter from Citibank NA Attached* And also a check for {$16000.00} I am Wondering if this is part of the settlement Citibank is repaying to customers affected? 

Or if this is a scam to reinstate an old debt passed the statute of limitations of which I already paid?
Product: Debt collection

I filed a combined complaint, dispute and information request letter to XXXX XXXX XXXX with the CFPB. This firm is subject to the FDCPA and according to their website they offer these services. The attorney who responded blatantly made several misrepresentations, failed to provide the facts and was extremely dishonest. Their actions diminishes the public 's confidence in the court system and attorneys at large. 

My formal complaint and reply to this company 's response is attached hereto.
Product: Checking or savings account

My name is XXXX XXXX, I am a Paypal customer with email address XXXX I have used PayPal for a while without issues but recently PayPal put my account on limitation and asked for ID, bank statement, proof of address and other things which I submitted After I submitted, PayPal told me on the secured website that they will review my information and unlock my within 1 business day, but the whole situation has taken over 13 days and PayPal has forgotten that they needed to unlock my account. 

I want PayPal to fix this issue
Product: Credit reporting or other personal consumer reports

TransUnion has demonstrated a complete lack of compliance with the Fair Credit Reporting Act ( FCRA ). Despite submitting a prior identity theft report and CFPB complaint, TransUnion lied about deleting fraudulent hard inquiries from my credit report. Additionally, they are denying my right to access my free annual credit report via XXXX, further obstructing my ability to monitor and protect my credit.This negligence has caused ongoing harm, including wasted time, frustration, and financial insecurity. TransUnion is not only violating the FCRA but also showing willful disregard for my rights as a consumer. 
Im invoking my rights under 15 U.S.C. 1681c-2 of the FCRA, requiring Transunion to block and permanently remove fraudulent accounts and inquiries from my credit report without further reinvestigation. I have already filed a verified identity theft report numerous of times. 

Under the FCRA, once a consumer provides a valid identity theft report, credit reporting agencies are required to block or remove fraudulent items within four ( 4 ) business days of receiving the request. Reinvestigation is not permitted in cases of identity theft as specified in 15 U.S.C. 1681c-2 ( b ). 

Please remove fraudulent account ( XXXX ) and unauthorized inquiries. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  By willfully violating the FCRA XXXX I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 

Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certied Funds to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Debt collection

I am a victim of identity theft. A XXXX XXXX credit card was opened in my name in 2013. I was unaware of this fraud until recently being contacted by Portfolio Recovery Services who has purchased the debit from XXXX XXXX. 

In order to for me to investigate the fraud, and hopefully have the negative impacts removed from my credit reports, I have repeatedly asked Portfolio Recovery Services for the following information : Application records or screen prints of the original internet/phone/mail application. 
All statements/invoices ( from opening date to account closure ). 
All payment/charge slips. 
Delivery addresses associated with the account. 
Any other documents and/or investigations associated with the account. 

To date, Portfolio Recovery Services has only mailed me a few ( XXXX ) statements from the account. These statements provide scant information and do not address any of my requests stated above. Today I received a letter from Portfolio that stated the following : " If we continue to receive subsequent correspondence from you regarding the dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming. Our office considers this matter closed. '' Even though Portfolio Recovery Services knows we are disputing this account as Identity Theft, they continue to call us weekly demanding payment and we receive weekly letters from them demanding the same. They obviously are not interested in helping us investigate the fraud and are only interested in profiting from it. I hope you can help in forcing them to provide the information I so badly need. Thank you - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Thursday XX/XX/XXXX Re : XXXX XXXX XXXX Delinquent Account Dispute To whom it may concern XXXX Recently, my fiance and I purchased a XXXX   from your organization and due to the changing dynamics of our family we were forced to trade it back in. This was my second BMW and her third and I would consider us enthusiasts of BMW. This recent experience has left us less than happy as far as how long this mistake has endured. 
Let me illustrate it for you : We, XXXX XXXX and XXXX XXXX purchased a BMW XXXX from the BMW dealership of XXXX on XX/XX/XXXX. We financed through BMW financing and had no problems acquiring financing nor paying our bills in a timely manner as they were on auto pay. Personally, my XXXX XXXX was XXXX and had not changed in years. As I stated, we had to trade the car on XX/XX/XXXX. As this was very close to our XXXX withdrawal, we specifically asked our BMW XXXX how to proceed and they stated that we should suspend autopay and they would take care of it. As of XX/XX/XXXX, we no longer had the vehicle in our possession and the autopay was suspended. 
It was then several months before we noticed anything. Just from habitually checking our credit scores, we noticed we were hit very hard with a reduction in our standings. It was related that we had a delinquent status reported from BMW. After several calls to the dealership and BMW XXXX, it turns out that that BMW of XXXX failed to mail the check and appropriate paperwork in time. Also after several visits to the dealership, which is an hour away from my home, we were finally able to acquire some help from XXXX, the local dealer representative who stated that it was the dealerships responsibility and he would assist us with the dispute. 
About XXXX month ago, it seemed resolved. Our credit scores each jumped, although not ENTIRELY back to prior, within XXXX points. XXXX or XXXX weeks went by and suddenly our scores were hit again and then again, dropping them further than prior. I called BMW XXXX and apologetically lost my temper a bit with a gentleman but through a few calls determined that I needed to specifically resolve this dispute via written correspondence drafted from me personally. 
Now you have said correspondence and I have also included letters of attestation corroborating our side of the dispute. It is nearly XXXX XXXX  year since leaving the vehicle with your companies. Your own employees have stated that the responsibility was theirs, internal disputes were submitted and now you have your personalized dispute in hand, I would like to see our XXXX XXXX return to their prior status. Please. Both my fiance and I have been enthusiasts of your beautiful vehicles for years and I hope for years to come. 

Respectfully, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 3 financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Portfolio Recovery Services used unscrupulous and deceptive practices to try to collect a debt. 
1. Unending calls even after I advised them to stop calling. One call came while I was in hospital being treated for a serious illness and the collector would not get off the phone. 
2. Debt collector fail to provide details and proof of debt even after being ordered to do so by the court. 
3. The collector intentionally shared misinformation about a continued court date, which I relied on and they showed up to court and secured summary judgement. 
4. Debt collector failed to negotiate in good faith. We made an offer, under duress, in the hospital just to make them go away. And they responded affirmatively with a letter that quoted an offer which was three times the amount that I actually offered. 
5. Debt collector continued to pursue action even though they were advised that the debt was not mine and further that I had retained counsel for the purpose of bankruptcy in XX/XX/XXXX and they refused to contact her. 
XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to delete the accounts. BUT TransUnion has some internal block which they're claiming they can use to not delete the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. So TransUnion feels they're above the letter of the law & will not explain their policy... 
I have XXXX XXXX XXXX and XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX, XX/XX/XXXX. I have read enough to understand my rights. The TransUnion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from these accounts. Below are the accounts with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Consumer, dated on XX/XX/2022, am aware that Santander Consumer USA Inc are in noncompliance with The GrammLeachBliley Act which can be fined up to {$100000.00}. 

I, XXXX XXXX, Consumer are also putting Santander Consumer USA Inc on notice as of XX/XX/2022 of Cease and Desist pursuant to Federal law 15 U.S. Code 1692c ( c ). 

Best regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit reports through my XXXX XXXX card which provides me my credit score, and XXXX XXXX. 

I was notified that a new account from XXXX XXXX XXXX XXXX XXXX  XXXX via email from XXXX XXXX on XX/XX/XXXX. I didn't recognize the account, an initially thought it could be related to my new XXXX XXXX account which I opened just a couple of weeks earlier and had yet to appear on my XXXX report. 

However upon looking up XXXX XXXX - XXXX XXXX  on XXXX, I found that it was most likely a credit card from the company XXXX. I didn't understand what this was, I do not do business with XXXX or own any of their products. It was also a very low limit card ( {$1000.00} ) which didn't make sense to me because I have over {$10000.00} in credit limit through XXXX XXXX and XXXX. 

I filed a dispute with XXXX and later with Equifax regarding this account, and put a fraud hold on my credit score to stop new accounts from being opened. I don't have an identity theft service like XXXX so I don't know what to do other than dispute the information with the credit reporting agencies and hope new accounts aren't opened.
Product: Checking or savings account

I opened my Checking account with Capital One in XXXX. It has had about {$200.00} in the account since XXXX  and no fees have been charged to the account. In XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I was charged {$8.00} fees on my account. I was never charged fees before or after this point. I called Capital One to ask them why these fees were charged and they said it was a maintenance charge because my balance was below {$300.00}. I asked them why these fees had never been charged before or since and the agent told me Capital One had the right to charge these fees and would not waive them. I would not have kept this account open if I new it was accruing fees- I have XXXX XXXX saved with Capital One in no fee accounts and I was never charged a fee on this account since I opened it until 5 years later.
Product: Vehicle loan or lease

Made a payment to Mercedes Benz Financial over the phone on time ; however, Mercedes Benz posted the payment late then sent my information to the Credit Bureau as a late-delinquent payment frivolously.
Product: Credit reporting or other personal consumer reports

I was a part of the Equifax breach and subsequently supposed to be afforded credit monitoring after such events. Since this took place, literally years ago - I can not login to my account, I can not create a new account, I can not reset my password, I can not reset my email or username, I can not do anything or receive my credit report, receive credit monitoring, or even pay for their services out of my own pocket. I am completely locked out. I've tried calling and they say it's a technicaly issue and that it will be resolved " eventually. '' It has been 8 years since I was able to last log in to Equifax. I would love to dispute a lot of inaccurate information that both XXXX and XXXX has found fraudulent and removed, but I can not because I am not even able to submit disputes without an account. Requests by fax and mail also go unanswered.
Product: Credit card or prepaid card

In XX/XX/XXXX I was advised by XXXX ( XXXX XXXX XXXX XXXX ) to do an eye procedure to cure my eye problem. This procedure was not covered under my insurance, so they recommended me to 'Care Credit ' and provided me with information on CareCredit scheme operated by Synchrony bank. I contacted CareCredit/ Synchrony bank and asked them about the scheme. They said if approved I will get a credit of {$4800.00}. They said this credit will be interest free for 1 year. Based on the offer recommended by the agent over the phone, I applied for and got approved. I used the card for my XXXX XXXX and have been paying {$200.00} per month to pay off the credit debts. I conducted my XXXX XXXX on XX/XX/XXXX and have been paying back my loan ever since till now. But to my amazement, the bank charged me {$890.00} on my XX/XX/XXXX statement. This was done without giving me any warning or notice or my authorisation. Because this was done secretly by the bank I was not aware of this until recently I checked my statement for XXXX. So I managed to bring my credit down to {$1600.00}. But now they have charged {$890.00} to my debts for NO REASON WIHOUT WARNING ME. I have not received any alerts or warning. This charge was not discussed when I opened the account and if Bank had informed me, I would never have agreed to taking their credit product. I called Synchrony Bank and pleaded with them to remove the charges because this was EXTORTION and UNFIAR charges. I can understand and agree with paying interest on my outstanding credit. I believe it is fair to charge interest on credit given by bank. But what Synchrony bank has done is extortion. Even though my credit with the bank was only {$1600.00}. I was charged interest for the entire amount. This was not agreed in the first place and I will not have borrowed if the bank had been honest and upfront. I called the bank on XX/XX/XXXX. I was told there is nothing they could do because they has a clause like that in the small print that I signed online. I informed them that I was not informed about this condition and they said they 'unfortunately can not do anything about it '. I tried to explain them that the agent who sold me did not tell me about it and I was told they work like a normal bank credit card where you ONLY pay interest for your outstanding debts. I believe they hid this fact from customer such as me when they sold me their credit card and once I have fallen in the trap they charge ridiculous interest because they know that once I sign up there is no way out. I borrowed money from my relatives and paid off synchrony banks debt as I do not want to deal with thiefs such as Syncrony bank. I read reviews online and I came to know I am not the only one who had his fingers burned with this particular bank. I would like to bring to your attention that they charged me normal interest outside the 1 year no interest period that was initially agreed and I CAN CONFIRM I AM HAPPY TO pay this. But charge {$890.00} on top of that is unfair,
Product: Checking or savings account

ALL TRANSACTIONS with Bank of America after originally opening the account physically in the branch office in XX/XX/2023. Never received my bank card, stolen and subsequent fraud ever since then, ATM fraud plus branch transactions, purchases, withdrawals are not being done by me or authorized by me. Bank of America refuses to assist. They've taken all my money, making me homeless. XXXX reported, no replacement card ever received. Currently in access of {$10000.00} of theft and fraud due to Bank of America XXXX, refusal to help, negligence in allowing money to be taken when no ID is presented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a reinvestigation dispute for 2 accts that are still showing on my Experian credit report XXXX and XXXX XXXX XXXX I spoke with supervisors at both those companies and they agreed to delete these 2 accts from all 3 reporting agencies they 've been deleted from both XXXX and XXXX  already as promised but Experian fails to take them off
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.