23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

From the time period mid XXXX through mid XXXX Bank of America allowed purchases to be processed over my {$5500.00} credit card limit to a sum of over {$25000.00}. In the background an individual was suppose to be paying these charges but falsified a XXXX XXXX account and was paying these charges with a non functioning account. B of A continued to allow additional items to be purchased. When calling their XXXX number on back of my card the recordings always told me that I had a zero balance which led me to believe all payments were processed. I feel I 'm responsible for all charges up to my limit but the remaining {$20000.00} plus is due to their internal processes and failure to recognize fraudulent activity.
Product: Debt collection

I was contacted by XXXX XXXX on behalf of a debt collection I have with Jefferson capital systems. I have interest in resolving the debt and I provided my social. They seemed legitimate when I was speaking to a manager until he provided me with the name XXXX XXXX then when I asked for a letter sent to my physical address with proof of their relation to XXXX XXXX and the debt they quickly ended the call and said they would report that I didnt want to resolve the debt to the official collection agency, XXXX . Im worried I provided my social to a potential scam. When I try to look them up I can find nothing related to their company or a number to call. I called the number back and it rings and then ends. No live person.
Product: Mortgage

In 2021 I applied for a forbearance due to XXXX with XXXX XXXXXXXX XXXX ( my servicer at that time ). When I was ready to resume my payments, my loan was transferred to Selene Finance. I called Selene several times. They would tell me that they didn't have my loan information yet to call back in a couple of weeks, I would call again and again, this would go on for two months before they had my loan information. Then they told me that I needed to send the application for a loan modification. I sent the application and paperwork at least three times before I was approved for trial payments. I made my trial payments on time and received the final agreement, I signed and returned but Selene lost my agreement. I faxed emailed and mailed but later they said the documents were not scanned in on time and that I would have to re-apply for a loan modification again.

I have applied for a fourth time. I think that this is very unfair. All I wanted was a couple months break and be able to resume my mortgage payments like the covid protections advertised.
Product: Credit card

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX  days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Account Number : XXXX  ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

TransUnion : 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 XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX applied to refinance mortgage due to promotional {$1000.00} credit towards closing XXXX approved for new mortgage but {$1000.00} closing credit was not listed and were told the credit would be in the final paperwork XXXX & XXXX contacted loan originator and processor about lack of credit in final paperwork XXXX emailed loan originator about the matter XXXX rec 'd email from loan originator that verified the promo code for the {$1000.00} was on the initial loan application XXXX rec 'd email from processor asking the closer to look at our loan XXXX loan originator called with " great news '' that after a lot of back and forth with different people/departments that the " promo code for {$1000.00} was on the initial contact '' and that in " 7-14 days '' we " should receive a {$1000.00} check! '' XXXX called about check since it was not received XXXX spoke to XXXX who could not resolve or direct our call, but said she would email our loan originator to contact us. 
XXXX I am submitting this complaint to your bureau.
Product: Debt collection

I received a XXXX  alert that on XX/XX/2023, a new collection account had been added to my credit report. I NEVER received any notice from PARAGON REVENUE GROUP regarding this {$97.00} medical debt. Also, read where starting XX/XX/2023, medical obligations under {$500.00} would no longer be reported.
Product: Credit card or prepaid card

BBVA continues to harass me about the credit card I have with them with threatening letters of delinquency when I have not had a late payment in the last 9 months. As I pay the card they continue to lower my credit limit claiming delinquency which is negatively impacting my credit. They continue to lower the limit to my balance to poorly reflect 100 % use of credit when I have been paying on time and my credit score is above their guidelines. They are purposely trying to bully certain clients. I feel they are targeting me since I have brought these issues up in the past. Monthly payments have been made on time via their online portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was inquiring regarding TransUnion. I was denied an opportunity because my TransUnion report keeps saying I have too many delinquent and derogatory accounts. 
That isn't true. I have a screenshot of the TransUnion profile that states 0 derogatory 0 delinquent accounts. Its unfair for them to state that it puts my profile in a very negative light,
Product: Checking or savings account

I have been banking with CatchXXXX off and on for the last couple of years, I logged in this month, and my balance showed as {$24.00}, and I started depositing into the account. It's an automated savings program meant for XXXX, so they automatically pulled money from my account, and now I'm being told they can't find it. 

Apparently my account was garnished in XXXX of 2019 by the state of California. Catch never notified me of this. In addition, it appears I'm overdrawn in the account, but they can't tell me the fees involved, or why I've overdrawn. I have over 400 dollars that I have no idea where it is. I desperately need this money, XXXX of it is from the Stimulus check
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX 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 XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from Macy 's. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried getting my student loans removed from my account, student loans according to t

itle 15 they do not have permission to report my personal info. That's breaking the privacy law {$1000.00} violation FCDPA says a consumer can't owe a debt. If the law is here to protect me how can they ( CRA 'S ) keep violating a consumer??? 15usc1681b no permissible purpose I need the documents that were physically signed in wet ink. 
It holds no value if it wasn't signed. Technically I never signed with XXXX or know who they are. It is considered fraud unless they provide all original documents. 
After signing, 180 days following the loan is paid off which is a surety bond. 
Electric signature means the debt is not owed. PROOF OF DOCUMENTATION is a wet ink signature. THEY have to provide original letter of indebtness or remove. Proof of promissory note is the verification of owing the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an initial letter early this year and sent a follow up email last month but received no response from the 3 Bureaus. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX BALANCED {$760.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX VIA DEALER XX/XX/year> REGIONAL ACCEPTANCE XX/XX/year> XXXX BANK XXXX XXXX XX/XX/year> TRUIST DEALER SERVICES XXXX XXXX CADILLAC XXXX CAPITAL XXXX VIA DEALER XXXX ALLIANT CU XXXX CAPITAL XXXX XXXX XXXX FCU XXXX XXXX FCU XXXX
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Product: Credit card

Have had cards with Capital One for over 10 years. Opened a checking account, got scammed with a bad check- it was returned. Shortly after, I could not log into my account and there is no customer service on weekends- or weekend nights. The following week they closed the checking, XXXX Cap One cards, and my Neiman Marcus card which had a {$1000.00} limit but never used. When they closed the account I had a negative due balance on Neiman Marcus card - a balance of $ XXXX - as in a credit. The checking account I opened had maybe {$60.00} in it. So to add insult to injury - I was told that I would receive refund checks within SIX MONTHS. Six months??? {$120.00} isn't a big deal for most people or friends - but trust me- it IS a big deal when you have {$6.00} in your checking account and have busted your XXXX to prove your worthiness! 

I am a XXXX  with a XXXX. I have never left a bank account or credit card in bad terms without reaching out for a payment plan. 

Spoke to 5 different folks - who basically told me " tough luck '' and there was no guarantee that they could help. Apparently Cap One put me on " XXXX XXXX XXXX '' list for checking accounts so that I can not open a new one. I have good standing accounts with XXXX XXXX and XXXX Bank but I was looking for something with a branch in my local area. My account with XXXX is at least 20 years old. 

I had recently called ( several weeks ago ) to make pay arrangements on my cards since having lost my job in early XXXX. They confirmed as much when I called regarding them closing all of my accounts. 

I have also received denial letters for loans that I absolutely did not apply for. 

I made Cap One aware that I had been scammed, didn't apply for any loans in the past year ; I told them I have the original check I deposited, the fed ex envelope it came in, as well as the phone number of the person who supposedly sent the check. Their Fraud Department would not accept any info about the bad check and basically said there was nothing they could do to help me or any guarantee. Two of the credit cards have been open for many years with ONE late payment- which was around XXXX. The other two were a couple of years old with no late payments- one had a negative balance/credit because I paid more than I owed. 

Short version- they basically told me to go XXXX XXXX  - no regard for me paying 28.99 % interest on three or four credit cards for the past decade.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> I entered into contract with XXXX XXXX in his XXXX program also known as XXXX for {$4800.00}. Soon after signing on I had a situation that made me realize this is not for me. My computer skills are basic and not advanced as needed. I made my attempt to cancel. But they claim that no refunds are accepted.??? 
I reached out to my attorney. An attorney letter was sent out as well as an email, XX/XX/year>. Another Creditor is involved by the name of XXXX XXXX XXXX XXXX, Ut. On XXXX XXXX my attorney 's letter was returned. Sent to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. I reached out to Klarna via email with attached copies of my attorney 's letter. Interesting that Klarna has no way to allow you to print what is being dicussed, it's all in their site and dissappears. Several weeks went by and I noticed I gotten a voice mail from some one I could not understand regarding XXXX XXXX in review could not understand name or what they wanted. I sent via text to the voice mail phone number requesting a legitimate address. Then next day the entire voice mail disappeared. XXXX XXXX Klarna stated that they will put my defective merchandise for order XXXX on a temporarily pause for me to contact Teachable. Now Klarna states I owe {$5100.00}. I had called my bank to inform them of lost card. XXXXXXXX XXXX  I received an email from Klarna stating to reach out to XXXX to resolve this. At that time I could not get into the account that was orginailly set up I was unable to communicate with them. Therefore I loggedin to Klarna and explained my findings how I have not been able to communicate to cancel my order with XXXX XXXX XXXX I find this company as a fradulent company and a scam. Refund - Cancel or Delete my order.
Product: Debt collection

I was put on a repayment plan with this collection agency. The payment plan was put in place so I could make small payments and help reduce my debt. The payment was due on XXXX XXXX. I did not have the funds in my bank account at the time but got paid today on XX/XX/XXXX. When I called to make my payment I was told my account was passed over to the legal department. I was not given any notice via letter, email or call regarding the matter. They stated that they called but i did not have any voicemails. They usually leave me one. I successfully made a payment on XX/XX/2018 of XXXX to show that I am willing and able to continue the payment agreement.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX are reporting my consumer reports improperly as they CAN NOT continue to report an account as " charge off '' each month AFTER the account had been close. The consumer report should state the account is closed and each month after it must be reported as " no data ''. However because they are reporting it as charged off each month, which is inaccurate, it is hurting my ability to get an extension of credit. I demand that they delete this inaccurate information from my consumer report immediately.
Product: Credit reporting

I sent a letter to Trans Union in XXXX, asking them to investigate errors that appeared on my credit report. Over three months have passed, and they have yet to respond.
Product: Credit card

There are two transactions on my Discover credit card that I have issues with, but the Discover self service website tool for disputes does not seem to work, and the customer service associates are not taking the issues seriously and opening up disputes or looking into evidence provided to them. First transaction is on XX/XX/year> from Article for the amount of {$2800.00}. Issue with this one is that the merchant delivered damaged product that was just left on the sidewalk here on XXXX streets ( lucky it was big and heavy so the whole thing didn't get stolen. I'll attach images of the damage to this complaint. Next one is on XX/XX/year> from XXXX for the amount of {$2600.00}. This one I have returned to the merchant, receiving confirmation of receipt and that I should receive a refund, but yet I have not received credit to my Discover account. I've already uploaded evidence of this to Discover but do so again as a part of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion and XXXX regarding inaccurate, and erroneous items on my report. Each time no information was provided to me how they verified each item. I mentioned to them I was apart of the XXXX data breach as well as a data breach through XXXX XXXX and Im afraid my information feel into the wrong hands. I provided detailed information on the inconsistent information on my report. These items are injurious to my report.