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

On XX/XX/XXXX I open an account and deposit XXXX with a banker name XXXX. He says {$220.00} will be available and I have to wait for my debit card for the remaining balance. So in the meantime in order for me to access my funds I try XXXX XXXX Apparently during the week I also deposited a check for {$900.00} I don't know if that check bounced or what but I had funds to cover that {$900.00}. My account didn't go to overdraft. All of a sudden I can't access my funds or even sign on to my account I have a remain balance of XXXX I went into the bank numerous of times and XXXX said he has to call the guy who has my funds and find out what the guy did with it. I ask him what guy? He said the guy who close my acct. I don't understand how someone else can close my account with my consent and I'm the only authorized user on my acct. He told me he'll let me know when or if anything updates in the system.. Why are they treating me like I'm a criminal. My car broke down and with that money I had plans to buy a car. Without transportation I can't get to work and already got a warning which my result to me getting fired. With that money I had planned on buying a car so I can get to work. This is crazy. Today I got this letter in the mail something about my 1099 tax forms. What does my 1099 have to do with my balance. I don't know what to do at this point. US Bank in XXXX CA on XXXX XXXX has my money and apparently gave a guy permission to close my acct without my consent..
Product: Debt collection

Portfolio Recovery Associates L.L.C is NOT licensed to do ANY business in my State of Michigan. Therefore they are conducting business ILLEGALLY. especially across states lines which is also FRAUD.

And after 5 separate requests they STILL have NOT sent me the ORIGINAL agreement with my ORIGNAL signature on it which is required by FEDERAL LAW
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XX/XX/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 XXXXhas violated my rights. 

Inquires XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Prepaid card

I previously opened up an American Express prepaid card. I had an unused credit balance. Amex decided to charge a monthly fee or I could avoid the fee and close the account. As the account was very old, the address was incorrect. I attempted to update the address and close the account but Amex refused to allow me to do so. Amex told me I had to send them a copy of my id and a bank statement to update the address, which I refuse to do. Or I could leave the account open and my balance would be reduced by their monthly fee until it was diminished. 

This is outright theft of my money, regardless of how small the balance is. I will never never never never ever give Amex my bank statement to a non Amex bank account. Amex chose to change the terms, I chose to close the account, they are refusing to allow me to do so and the CFPB just sits by while they do it .... 

To Amex 's financial gain. This system allows Amex to hold on to client account balances, refuse to close them, and then take the balances XXXX fee at a time until the money is all theirs. All that have to do is put onerous or burdensome or invasive account verification strong-arm tactics in place and then people wo n't get their balances and then Amex fees will obliterate client balances until they are gone. Really, nothing short of a CFPB sponsored swindle ... 

Once again ... CFPB = XXXX CONSUMER PROTECTION. Quote me on that ...
Product: Debt collection

XXXX claims I owe an amount however this amount due is the sole responsibility of the shipper in this instance, not me. Debt was sent to TSI TRANSWORLD SYSTEMS to collect. 

I requested that this company absolve this debt as I am not responsible for this debt. 

This company has lot yet absolved this debt therefore this issue remains unresolved.
Product: Debt collection

These people call me 8-10 times per day from all sorts of fake numbers. The message is always the same. The most recent number they listed was for the XXXX XXXX XXXX but they have used many other fake numbers and always leave a message stating that they are HRRG and giving an 800 number to call back. Their website is https : //www.healthcarerevenuerecoverygroup.com/
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Has A {$1500.00} Collection That Is Not Mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to each on of the credit bureaus : Transunion, XXXX  & XXXX and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.
Product: Debt collection

I have been receiving scam likely calls from an agency on behave of XXXX XXXX XXXX claiming I owe a debt. So after I seen they reported the debt to credit bureaus I reach out to the company. MRS BPO is the company. I talk to someone and claim I owe a debt of XXXX and I explained that I dont even have XXXX XXXX XXXX in my regular name and thats its in my LLC and in order to put it in your LLC name I had to pay any remaining balances and all of my phones off at that moment and I did. Now its it my LLC name and its set on auto pay so I dont have to worry about owed payments. After that they got quite on the phone and left me on hold for 20mins then I hung up. Seems real scam likely.
Product: Mortgage

I applied to refinance my mortgage online with Quicken, explained via a chat session that I wanted the lowest rate available without paying loan origination fees or points. The originator XXXX XXXX confirmed that he understood and quoted a 30 year fixed rate on my loan request of 4.05 %. Then a little later after I deposited {$500.00} with the company for the appraisal fee, I got the Loan Estimate ( LE ) which had a loan origination fee of {$3300.00} ( 1.25 % ) and a {$790.00} processing fee. On the credits side of the LE, there was a {$2000.00} lender credit to absorb some of that fee, but in my opinion {$1300.00} in origination charges was {$1300.00} more than was explained to me initially. That 's a large difference. 
I brought this to my loan originators ( LO ) XXXX XXXX and was unable to come to an acceptable resolution as he said that the highest rate he could charge me was 4. % and the lender credits would be larger absorbing fee. I did n't want my rate to increase that much, as that would have a material impact to the affordability of the loan and I felt that I had been intentionally mislead. I was then referred to a client resolution expert. He was able to help somewhat and increased the lender credit to {$3000.00} which did a better job at offsetting the {$3300.00}. Ultimately, I paid 4.125 % because that provided a large enough lender credit to make the loan affordable for me. 
During the process Quicken send me XXXX different LE 's without an actual change in circumstance or condition or request by me. I would get notice that there was a new LE. The fees or rate were always higher. I would then bring that to their attention to which Quicken 's reply was " whoops, that was a mistake '' I think that Quicken systematically uses bait and switch tactics to mislead and deceive consumers into doing business with them. I feel that they would have taken more advantage of me if I was n't as diligent to review every LE that was sent. 
Also outside of deception, the processing time was almost 60 days, and the morning of closing they canceled the transaction on accident. When I called to get it resolved the closing specialist said " oh, that happens all the time '' After my recision they wired the funds to the settlement agent so late in the day that they could not send out the wires on the same day. Thankfully there was not additional charges to me for that. 
Overall it was a very frustrating experience filled with deception and rudeness from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 


Accounts : XXXX XXXX XXXX- {$1400.00} - Date XXXX - XXXX. XXXX, XXXX XXXX XXXX XXXX - {$1200.00} - Date XXXX - XXXX. XXXX, XXXX XXXX XXXX  - {$520.00} - Date Opened - XXXX XXXX, XXXX Inquiries : XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX account added to credit report for amount of {$2700.00}. Then later updated as a collection account through internal collections, XXXX XXXX XXXX. Verification nor validation received upon request. Later received a collection debt letter from ERC, dated XX/XX/2018 stating that they were authorized to resolve account for less than amount owed for {$1700.00}. I sent a validation request to ERC. Received a response letter from XXXX XXXX dated XX/XX/2018 stating that it ( the letter ) received serves as validation that I owe a debt to XXXX XXXX. No documentation was received showing proof of validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the lack of responsibility of the Credit Reporting Agencies. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts : XXXX XXXX Balance Owed : {$170.00} This account has been disputed because of the erroneous information this account reports on my Credit file. How many times do I have to tell you that this account is reporting incorrect payment history? I was never late when paying with this account. I have been recording my own payment records and what they present is different from what I have. I need you to correct this accounts payment history by removing the late payments on the payment records. 
XXXX XXXXXXXX XXXX Balance Owed : {$450.00} This charge off account is reporting inaccurate balance in my Credit Report. Charge off accounts should always report balance as XXXX, then why does this account continue reporting with {$450.00} as balance if this account was already a charge off? I have been trying to correct this erroneous information and yet you have done nothing. I need you to immediately remove this account as soon as possible. 
XXXX XXXX Balance Owed : {$0.00} I do not remember having an account with this company. I have been asking you to provide me copies of proof of ownership and yet you have sent me nothing. Once again, please send me copies of proof of verification or any documents bearing my signature confirming my ownership of this account. Inability to provide such documents should result in immediate removal of the account. 
XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act. 
XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX  Installment Account Account # : XXXX Opened : XX/XX/year> Balance : {$220.00} This account is inaccurately reported as a charged-off account with a balance due. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires that all information reported to credit bureaus be accurate. Please provide proof of the charge-off status, or, in the absence of such proof, update the account balance to {$0.00} or delete the negative payment status in accordance with 15 U.S.C. 1681c-2, which requires the reporting of accurate and verifiable information.
Product: Money transfer, virtual currency, or money service

Bank of America wired my funds to an incorrect account number in a foreign exchange transaction from XXXX to XXXX, sent in Euros. This was their error in completing the transfer request paperwork. I discovered this when the service I sent the funds to said they did not receive my funds and I had to wire the funds a second time. 

I spoke to at least 15 people at the Branch, banker who made the error, bank managers, regional managers, at their supervisor level, all the way up to their client escalation department to recall and return my funds and it has been since XX/XX/year> that i have been not made whole and they keep promising to resolve the issue and give me different information depending on whom I speak to as to the process of returning the funds to my account. It appears that I may never get my funds returned under these conditions.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I noticed an account on my credit report that did not belong to me. I contacted Chime Bank, XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX, and I could not get information as that I did not have ALL the correct information. My social security number and date of birth were correct, but address and phone number were wrong. I filed a complaint with XXXX, XXXX, and XXXX on XX/XX/2023. I filed a Identity Theft report to XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/2023. I received a letter from XXXX stating the credit account belongs to me, despite me not knowing any information or having access to it. I called Chime bank again on XX/XX/2023. Once again since I didn't have the right information aside from XXXX and XXXX, I was not allowed to get any information about the account.
Product: Credit reporting

I recently got my credit report which showed my credit scores. XXXX and XXXX have gone down XXXX points. I have been trying desperately to reestablish credit since a medical bk and foreclosure as I know how important good credit is. I have over the past 3 yrs purchased a home & opened up credit cards, paying them off immediately. I recently refinanced my home & bought a new car. I shopped around & it is my understanding that I could shop around for 30 days & those inquiries which were for the same thing & done within 30 days of each would only count ONLY as one. Apparently this is not happened according to Equifax. I have several refi inquiries & also auto inquiries which I do not believe has been fed properly to FICO who is determining my credit score. I need to get this straightened out so that my score can improve. The credit reporting agencies say I can not dispute a Inquiry. They say I must contact the company on the report ; find out who made the inquiry ; contact them and either ask them to remove it if it were in error or if it was not authorized by me. I have done this with several. Please note XXXX had pulled my credit on XXXX & XXXX /out my permission They say they will remove same. Others say they ca n't do it..So I am at a loss at what do do as each XXXX is XXXX points and is adversely affecting my credit Note : 1 ) XXXX pulled for XXXX Mortgage XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX for refi within 30 days 2 ) XXXX pulled for XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX within 30 days 3 ) XXXX pulled for XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX Store XXXX/XXXX/XXXX for auto loan -- XXXX had pulled it as well on XXXX/XXXX/XXXX all within 30 days ; Home State Bank which is NOW XXXX Bank had several different inquiries : XXXX Bank had BOTH Credit Bureau XXXX XXXX & XXXX XXXX XXXX XXXX pull it both on XXXX/XXXX/XXXX which seems crazy to have it pulled twice on the same day!!! I just spoke to them They are writing a letter to credit bureaus to have them removed as they did NOT have my authorization to do so after checking their records. 
I am frustrated because I ca n't dispute these with credit reporting agencies, many of the companies I call do n't want to remove them ; I ca n't get help from FICO who is the ones that report the scores ; and I ca n't get help from the reporting agencies who feed the info to FICO -- YET my credit is getting damaged and there is no one to turn to. Please research this let me know how to best proceed and if in fact some of these can be deleted.
Product: Credit card or prepaid card

Since approx XX/XX/17, XXXX XXXX XXXX has called me because I am behind 1 payment. They have called me from an unknown number, every single day except Sunday, every hour at least once ( the calls occur between XXXX and XXXX ). Just today, they have called me 5 times. The calls started at XXXX. The last 2 calls occurred at XXXX and again at XXXX. I have picked up the phone and made them identify themselves .... This is how I know who it is, otherwise I would have had to trace the calls. This is harassment and it is an annoyance that I am very tired of. This company should not be allowed to call me from an " unknown number '' and they should not be calling me every hour of every day, 6 days a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}
Product: Payday loan, title loan, personal loan, or advance loan

I went into XXXX XXXX on XXXX XXXX weekend to purchase a washer and dryer. They had a sign up that said low down payment, interest free for 12 months. I have financed things before and you usually pay some down payment then the following month your payment is due. With this company, I paid {$50.00} dollars down and then took the items home. American first contacted me the next day for a payment of {$310.00}. which was pretty rapid. I contacted them and they told me there was nothing I could do. I made a payment with a credit card for the month and then asked that the auto pay be removed and it wasn't it had to be returned. I continued to make the payments online with my credit card from XXXX until XXXX of 2023. Then when i went to pay in XXXX they no longer accepted credit cards as payments. I don't have the cashflow up front so I pay on my credit card then pay my credit card back when I get paid. It now is making me struggle financially due to their change. 

In addition to the payment debacle. They ended up not having 12 months interest free. It ended up being early payoff. Then once XXXX passed the cost changed from {$1900.00} to over {$4000.00}. I have only had the items for 6 months at this point. Now I am going to have an additional 12 months of payments to pay this off and I will be facing interest on top of that. 
This company is predatory and really unprofessional. Their lending practices are morally bankrupt and this company should be shut down or more heavily regulated.
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : CAPITAL ONE XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I had become a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX  unseen hands had stolen my personal information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 :