23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/1982 SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute and request the enforcement of my legal rights regarding inaccurate and unverified information on my credit report. The purpose of this dispute is to address multiple violations under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and ensure that my credit report accurately reflects my creditworthiness. 

Creditor Information and Violations : Creditor Name : XXXX Account Number : XXXX Violation 1 : Inaccurate Reporting and Lack of Clear Identification The account information provided by XXXX with account number XXXX, on my credit report lacks clear identification, raising doubts about the accuracy and validity of the reported information. This lack of clarity violates my rights under FCRA Section 607 ( b ), which requires accurate and verifiable information for maintaining the integrity of credit reports. 

Violation 2 : Failure to Provide Verification Despite my request for clarification and verification of the account details, XXXX has not provided adequate information to verify the accuracy of the account. This failure to provide verification violates FCRA Section 611 ( a ) ( 1 ) ( A ), which entitles consumers to accurate and verifiable information upon request. 
Personal Impact : To illustrate the significant impact of these inaccuracies, I would like to share a personal story. Several months ago, I applied for a mortgage to purchase my first home. The inaccuracies in my credit report, particularly the unverified account information from XXXX resulted in a lower credit score than I deserved. As a result, my mortgage application was denied, and I lost the opportunity to secure the home that held so much promise for my family 's future. The emotional distress and financial setback caused by these inaccuracies have been overwhelming. 

Resolution Request : I kindly request that the Consumer Financial Protection Bureau enforce my legal rights under the FCRA and take appropriate action to address the violations outlined above. Specifically, I ask that you ensure the removal of the unverified account entries associated with the account numbers mentioned above from my credit report. This action is necessary to restore the accuracy and integrity of my credit report and to prevent further negative impacts on my financial well-being. 

I appreciate your prompt attention to this matter and your dedication to upholding consumer rights. I am hopeful that your intervention will lead to a resolution that corrects the inaccuracies on my credit report and prevents similar situations for other consumers. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Debt collection

I paid off an Afni XXXX account XX/XX/XXXX the original dedt XX/XX/XXXX they told me if I paid then they would remove it. I have done several disputes and they continue to change the date of last activity. They are doing this and its wrong. I had a head injury I am on XXXX and I feel they are exploiting me. 

AFNI XXXX XXXX XXXX XXXX XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : PREVIOUS STATUS XXXX : PAID ACCOUNT. ZERO BALANCEXXXX : ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPTXXXX : ACCOUNT INFORMATION DISPUTED BY CONSUMERXXXX : XXXX : ACCT INFO DISPUTED MEETS FCRAXXXX : CONSUMER DISPUTES THIS ACCOUNT INFORMATIONXXXX : COLLECTION ACCOUNTXXXX : XXXX MAY SHOW A CURRENT RATING OF XXXX ( SETTLED OR IN COLLECTION ) DUE TO THE XXXX PAYMENT PATTERN
Product: Debt collection

Received phone call on my work line. Individual said it was a personal business matter and would not disclose the nature of the call. I then asked for the name and phone number in which to return the call because I was at work and could not discuss such things. He would not share such information. I then requested for him to not contact me at work, and he then asked to speak to my supervisor. He continued to badger me and I then mentioned to him that I will report him if he continued to harass me. He then said that he 's going to report me. I hung up the phone as work is not the time nor place to deal with harassment. He did n't state where he was from, what the matter was in reference to, his name or any additional information. I did advise him that this was a federal line and that I would report him. In turn, he said he would do the same.
Product: Checking or savings account

Someone had gotten hold of my social security number and birthday and opened a checking account and debit card in my name and address, which I never did. When I got to the bank PNC they told me someone had gotten all my personal information. Thus all was closed and reported to the XXXX credit bureaus, social security, my bank etc. So I need a fraud alert placed om my information. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl. XXXX
Product: Credit card or prepaid card

On XX/XX/2022, Citibank Mastercard credited my account for {$51.00} in fraudulent interest charges. In its XX/XX/2022, bill, Citibank then charged me {$30.00} in new interest for failing to pay the {$51.00} that it credited to my account weeks before the XX/XX/2022, XXXX was due in early XXXX. This the the fourth month that Citibank has tried to pull the same scam : 1 ) give credit ( s ) ; 2 ) disregard credit ( s ) for purposes of determining interest due ; 3 ) charge interest not due Each time, they credit my account and then disregard the credit ( s ) when determining if I paid my " monthly balance '' You closed my prior complaint for prior fraudulent interest charges by Citibank with no investigation. I see we gave your agency about {>= $1,000,000} in XXXX 2022 to " protect '' us from scammers, like Citibank, an habitual offender. I await your response with interest. Next month, Citi will likely try this scam again because I will not pay any amount fraudulently placed on my bill - sent by the Internet and U.S. Mail with, at a minimum, reckless disregard for its accuracy - arguably wire and mail fraud - " predicate acts '' under R.I.C.O.
Product: Money transfer, virtual currency, or money service

am XXXX, onn a recent trip to XXXX to visit my family I tried to check my balances on Coinbase. When I returned to the United States, I was surprised to find out that Coinbase had locked my access to my own account. They requested documents to show that I live in the US and I sent the same day my back account statements as they required. However, even after I resubmitted all documents requested I haven't heard from them in more than 12 days. It is impossible to get a person on the phone to discuss this issue. They only have email communication available but the response is obviously automated.I don't have access to about {$9000.00} dollars value in cryptocurrency. I contacted them several times and not resolution at this time, is not the first time I filled a complaint against them, last year they locked my account and was almost 1 month to gain access again. I need them to unlock account asap. Thank You for helping us on this matter!
Product: Checking or savings account

I was selling an item on XXXX. I received a check in the mail for the item and when I deposited the next day the funds were returned, onXX/XX/XXXXindicating a bad check. That was fine and I understand totally. But my bank Suntrust put a hold on the check amount essentially withdrawing that money again. When I went to a branch to address the issue it was sent to their fraud department. Then they put a no debit status on my account, locking it and holding all my funds hostage while they " investigate. '' Suntrust has illegally locked up my funds and ruining me financially. It has been almost 30 days and they said it would be resolved in 10-15 days. The representative I spoke with from Suntrust said the no debit status would only last five days! I have rights as a consumer and Suntrust is blatantly abusing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting

I recently was alerted that the XXXX governing the community ( XXXX ) my rental property is located in reported an open installment loan to Equifax for me. This open " Secured Loan '' shows a fixed rate and that it was opened on XXXX 2016. I have not authorized the XXXX or any authorized party to open a loan under my name nor have I been made aware that any XXXX related amounts would be reported to any credit bureau. I would like this information removed from my credit report.
Product: Mortgage

Bank of America is not providing me with XXXX  year end tax statements. I have called them several time and the only answer they've provided is that they can give me the numbers verbally over the phone. I need a written document with year end tax and escrow information. I called them today and was told on the phone that one was not generated for my account. 

I also have an existing problem with the bank where I can not see my mortgage information online. They state this is because of a recent assumption I did on the loan and therefore for the remaining life of the loan I will never be able to see my mortgage information online. This is kind of ridiculous being that is XXXX and every major financial institution - even those that are small - allow the viewing and making payments of account online. 

I feel Bank of America, is doing all of the above to take my house away from me in the future if I were to default in anyway. I am current on my mortgage payments and everything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company I C SYSTEM ( Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Money transfer, virtual currency, or money service

PayPal limited my account for no apparent reason. I have not done anything wrong and yet they decided to permanently limit my account. I want my account back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My father was simply RESEARCHING refinance rates for our mortgage. 

I never talked to this company. My father said that they needed my social security number to store. He gave it to them. They told him that THEY WERE NOT GOING TO USE THE SOCIAL for a credit pull until they got my permission. They never did. We never re-financed and I never ever gave this company permission to do a credit pull on my account at any time whatsoever. 

The company 's name on my XXXX  and XXXX  shows as CREDCO. 

It was pulled on XX/XX/2020. 

Contact info XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Mortgage

The previous complaint has not been addressed, us bank home mortgage violated the terms of the loan agreement when they paid county taxes in error. This was us banks error and came about because of the negligence of their employees. This problem has been ongoing since XX/XX/XXXX when I discovered my bank account had been XXXX for an additional {$170.00} beyond the payment of XXXX that was electronically withdrawn monthly. Us bank refused to return my XXXX and I closed the accounts at their bank. I continued to make mortgage payments, while attempting to resolve this matter with us banks complaint department. While this process was in motion I discovered several months later that us bank had set up suspense accounts and escrow accounts and redirected money from the monthly mortgage payments into these accounts to satisfy their original sin XX/XX/XXXX. My mortgage agreement is very clear concerning the payment of county taxes. I paid my taxes and the letter from XXXX XXXX XX/XX/XXXX states that. I have requested this document from XXXX XXXX be review by us bank since this problem was discovered. The last response sent from us bank states this document has been purged from their systems ( attached ). The letter from XXXX XXXX ( attached ) as well. Your bank offers 5 star service, yet fails to contact the customer when errors are made by Us bank which result in serious financial difficulty to your customers. Then after years of denying reasonability you state it was an " error '', " XXXX XXXX no longer works for the company '', " that letter is no longer retained by Us bank and has been purged from our system ''. Us bank paid taxes that were not due, us bank violated the loan agreement ; us bank mislead the CFPB with previous responses see attachments!
Product: Payday loan, title loan, or personal loan

Dear agency I am very frustrated to see a business is functioned in this country so unethical and fraudulent. I am seeking your consumer 's authority to help me resolve that issue with Acima Credit FKA. 
In XX/XX/2018, I went shopping for some appliances, the store manager has informed me about the great easy financing program that is available for the customers. I certainly read the terms and agreement of contract. The agreement, I allow them to withdraw x amount of money in my account every two weeks for 3 months, within 3 months I should pay in full at the end of the 3 months I called they granted me an extension for 10 days i paid XXXX XXXX for the extension. According to the agreement once I paid the appliances in full after the extension I owed {$00.00} I was done with you. 
I called the customer service the day for the deadline to pay off the bill, while I was giving them my debit card information they hung up on me. I persisted to call back many times until I got through. I gave the representative my card information to pay off the amount due. After a long wait on the phone, he told me : the card has declined. I replied to him, I said did you have the right number? He said, I told him impossible, at that time I was with my girlfriend I asked my friend to call my husband for me in another line to take his card. The representative told me same thing the card has declined. 
I went and hung up with him, and I called my husband to explain the situation. My husband immediately contacted both banks where they issued the debit cards. They have informed him NO ONE have atempted to withdraw no money at that time. I went again called ACIMA to explain to them that the banks said they no one has contacted them regarding my account. They finally took my card information and told the card went through. I made sure the bill was taken care off. Two months later, they went back to my account to withdraw payments. They took five payments, with your help and my bank they stop and refund the payments. Surprisingly, I just discovered they sent me on collection bureau. 
I think this is unfair and deceptive for a legal business to behave that way. Also, it is a violation under Fair Credit Reporting Act for a creditor to report the WRONG information on consumers. And they have committed an act very malicious and fraudulent, they know for fact I don't owe them any money that's the reason they didn't sell the account with debts collector.
Product: Credit card or prepaid card

The CFPB has been contacted in hope the collections department at Navy Federal Credit Union will take my complaint more seriously. I've already spent numerous hours, loss lots of sleep, and experienced tremendous anguish over the error caused by their collections representative. The issue arose from being transferred to the collections team by a NFCU credit card representative. She indicated the collections department was the only area to assist with refunding late fees. 

Consequently, what I experienced was a malicious and possible illegal tactic of that representative. He placed me on hold/mute and created an authorization to debit my checking account. This was NOT something he read disclosure on or verified my permission to do. As such, his act started a series of events that would require multiple individuals, emails, and processes to keep me from incurring NSF charges from outside institutions. It was simply wrong of him to do. 

My attempt to address the issue occurred the day the draft happened. I spoke to a collections supervisor and that person 's supervisor. Neither were willing to assist, so I asked to have the matter escalated. What I received was a phone call later that evening from the original collections representative 's supervisor. In that conversation, I was essentially told I was to blame for the error. 

What is this complaint about? ( A phone call into the Collections the department that prompted an unauthorized draft to my checking account ) What type of problem are you having? ( The unauthorized draft created an overdraft, an insufficiency that caused a return status on my account ) What happened? ( It has been excruciating to address the repercussions of that unauthorized transaction ) What company is this complaint about? ( Navy Federal Credit Union 's credit card collections department 's use of illegal tactics in collecting monies ) Who are the people involved? ( I don't know the name of the person who processed the unauthorized request, however I did speak to a collections supervisor named XXXX and his supervisor XXXX ) I recognized this error occurred very early on the morning of XX/XX/XXXX and reached out to the checking customer service team. They were able to aid with the overdraft and returned item. Later in the morning I spoke with the credit card collections team and was told XX/XX/XXXX is the date permission was given to debit my checking account. I can't emphasize enough that the representative never ASKED me if it was okay or read any type of disclosure. They acted in error and created tremendous harm. Yet, no act of consideration or reciprocity has been given. 

I'm open to any act that is fair for the harm that has been done and am grateful the CFPB created this platform for the consumer. I look forward to a prompt response. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX P.S.  There is still a credit balance sitting on the credit card as the representative not only took monies without permission, but he exceeded the balance that was on the statement ( he really did a horrible job ).
Product: Money transfer, virtual currency, or money service

I used PayPal to pay ( with my credit card ) an online astrologist for 3 services.

The person received {$160.00} for 3 jobs. I received one job that was scam. I asked for a refund on the other 2. The person decline returning the money. I complaint with PayPal and the resolution was on favor of this person. I have emails as proof she never provided the 2 pending jobs. 

Not sure if this is the place to file a claim. PayPal is not helping. 

Case ID XXXX Transaction amount {$160.00} USD Dispute amount {$78.00} USD Transaction ID XXXX Transaction date XX/XX/2021 2021
Product: Checking or savings account

After a property sale, settlement was made at another bank where the business that I co-own held an account. Once those funds became available, within a day, a check was drafted from this bank to my Wells Fargo business checking account. I deposited this check in the branch on XX/XX/ and asked the teller to confirm availability of funds. She told me that {$250.00} would be available immediately and that the balance of the {$82000.00} would be available on XX/XX/. On XX/XX/ I received a notification in the Wells Fargo online banking portal that availability of funds had changed to a partial on XX/XX/ and then {$76000.00} would not be available until XX/XX/. Checking with the bank where the check was drafted from, I confirmed that the full {$82000.00} had cleared from that bank on XX/XX/. I contacted Wells Fargo by phone and was informed that the extended hold on the funds was due to the amount. I confirmed that Wells Fargo did not suspect fraud and that they were only placing the hold because they could by law. Wells Fargo sent a letter by mail dated XX/XX/ indicating that the hold was " in order to allow time for the deposited check ( s ) to clear. ''
Product: Debt collection

I have noticed that WEST LAKE PM have reported late/missed payments. the problem is i have no idea of who they are or what my debt to them could be. I have not applied for credit or taken out a loan with them or have had any kind of correspondence with them at all. I don't even know if its legal to just report false information that damage ones image or reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.