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

On XX/XX/XXXX, my XXXX XXXX  ending in XXXX was loaded with {$500.00} at a XXXX XXXX store. The cashier seemed to make mistakes in the process and asked to swipe my payment card multiple times. Eventually the load was successful. 

However, when I tried to use my Serve Card that same afternoon it was declined at the register. I called Serve customer service and heard that my card had been locked. I was later told that the account would be closed because a reversed payment occurred which is against the terms. Since that day I have no access to the funds on my card or my online account. 

The customer service agent said on XX/XX/XXXX that my account had a balance of {$2500.00}. A check for those funds would be sent by mail within the next 14 business days. This has not happened. 

I can not access my online account anymore because it is closed. A Serve Email notification from XXXX stated the same account balance of {$2500.00}. An email message from XXXX inexplicably stated a lower balance of {$2000.00}. 

I sent a complaint to Serve Customer Care on XX/XX/XXXX to complain about their withholding my money, and their apparent attempt to defraud me. I have received no response.
Product: Debt collection

I purchased aligners through XXXX and was paying them directly until they sold my account to Westlake Portfolio Management who are servicing the loan. 

I have spoken to several ( supervisors ) who has'nt taken the time to listen to the issue. Its a group of fast talking XXXX know it all, who's task is to treat you like a criminal who refused to pay their bills. The real issue is that when they took over they did not align the technology ( ACH/ auto payments from the existing XXXX  customers ) This issue is that when westlake portfolio took over the loan, they didnt notify me by electronic means ( i had signed up for electronic commnication ) I am unable to view my account. When I login, I get an FAQ page, no account or payment details. I have called several times to complain that I can not see my account information and I urgently need to change my payment method on file. 

I keep getting the runaround. I get hung up on and have to deal with rude XXXX guys with very bad english. I Was told that it would be resolved about 2 weeks ago after calling several times. After the call today the guy ( who refused to give me his name ) provide me with a an email that contained the error of billing and said this is all we can do. This erro has caused my credit rating to drop from a XXXX to a XXXX ... ... all for a {$89.00} erroneous late notice of 30 days that i never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Military Star has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> SS # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX TX XXXX Consumer Statement : I am writing to dispute the accuracy of the below items as it does not pertain to any transaction made by me. This information is the result of identity theft, and I request that it be promptly removed from my credit report to prevent further harm to my financial standing with respect to the FCRA 15 USC 1681 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605B & Permissible purposes of consumer reports Fraudulent and Inaccurate Personal Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Accounts in Collections XXXX XXXX XXXX XXXX Account # XXXX Fraudulent Closed Accounts XXXXXXXX XXXX  Account XXXX XXXX XXXX. XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 days after the date of receipt by such agency of appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) that the information may be a result of identity theft ; that an identity theft report has been filed ; that a block has been requested under this section ; and of the effective dates of the block.
Product: Debt collection

I am filing a complaint against Transunion due to an account listed as XXXX XXXX was reported as closed and removed from my Transunion credit report on XX/XX/2018 and now it is being reported as open on XX/XX/2018. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( iii ) you are required to notify me of the reinsertion in writing within 5 business days. 

I received no such notification. This is a very serious violation of the FCRA. 
I am requesting for this account to be removed from all 3 of my credit reports immediately.
Product: Money transfer, virtual currency, or money service

I filed a complaint with Bank of America on XX/XX/2021, about a XXXX fraud. I also filed a complaint with IC3 Internet Crime Report, and FTC Federal Trade Commission report number XXXX. I also made a police report with my local authorities. I waited for Bank of America to do its own investigation with no positive outcome. I just found out about CFPB, if not I would have reached out to you sooner. 
I XXXX  XXXX  customer service on my phone, and it gave me a phone number to call, stating that it was XXXX  company. I thought I was speaking to an XXXX representative. I spoke to a gentleman about fixing my XXXX. He said he can help me repair my XXXX over the phone, so I trusted him. He was very convincing, he told me that my phone was hacked and there was someone trying to get into my account, that's why my phone was not working correctly. He gave me steps to do over the phone to protect myself from being hacked into my personal account and my Bank of America account. He asked me if I have been to Florida I said no. And that the scammer was located in Florida. He told me to go into my account right away and press numbers in, to protect myself from the scammer. He told me that the only way to go was in my XXXX account and gave me numbers to press. That I had nothing to worry about. That was the only way to block the scammer. After I realized what was happening, I had sent the fake XXXX representative {$2400.00}. He told me not to worry, that the money was going right back into my account right away. Then I realized it was a scam when I didn't see it back into my account. I cant believe I got scammed out of {$2400.00}. I don't have much money and I feel so bad that this had happened to me. I am very upset with XXXX for allowing scammers on their website. It was the first website that appeared when I XXXX  XXXX  Customer service.
Product: Debt collection

To whom it may concern, I'm writing regarding two accounts that Portfolio Recovery has reported on my credit report which is not in accordance with the fair credit reporting act. The information is not 100 % accurate. I also spoke with XXXX XXXX of the Kansas office operator number XXXX, and XXXX XXXX of the Kansas office, both did not produce the requested information. I asked for a copy of the original agreement show my signature or driver license they both refused. Then I spoke with XXXX XXXX who stated he was the operations manager, and the highest available person. I explained to XXXX the XXXX that Portfolio Recovery is using is not for public use, and that it belong to my trust. I also offered to share with XXXX my federally recognized documents naming me as one of the owners of that TIN number and trust. I would like the CFPB to have them delete the slanderous comments from my credit report on all three credit bureaus.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023
Product: Credit card or prepaid card

I have been getting charged for credit debt protection services since my account was converted to Citi Bank Best Buy Visa card from a store card. I did not authorize this service and had noticed on my credit card statement I have been getting charged varying amounts since this conversion. Per month I have been getting charged around 50 dollars for this debt protection I did not sign up for and this has been going on for longer than the last 2 years. I was denied a refund but they did cancel the debt protection. Again I did not authorize this and view this product as very predatory.
Product: Credit reporting or other personal consumer reports

I am in pursuant of FCRA and 605B ( 15 U.S.C. & 1681c-2 ) the XXXX credit reporting agency block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consisting of the following credit cards 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 XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report and I do not recognize the accounts. Also, the following hard inquiries 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 XXXXXX/XX/XXXX. I have attached a copy of the FTC Identity Theft Criminal Complaint case numbers XXXX, XXXX as proof from the US Federal Trade Commission that all the consumer credit accounts, collections of identity theft and fraud. 
I request pursuant to FCRA S 6058 ( 15 U.S.C. & 1681c-2 ), that the Transunion credit reporting agency block all of the accounts, collections and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint, I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a report in correspondence with the written instruction of the consumer. I never gave XXXX, TransUnion and XXXX  written consent. No consent is identity theft. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports by allowing these inquiries to remain on my report. I am losing confidence in the banking system if these unauthorized items are not removed I will no longer to do business with you. There was some fraud on my report and therere a bunch of inquiries that need to be removed and XXXX looking to purchase however these are fraudulent inquiry that hurts my credit score - TRANSUNION XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 TRANSUNIONXXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Approximately 6 years, I opened a Chase Bank Teen Account for my XXXX year old son so he could get direct deposit and have an ATM card. I was a co-owner of this account. All was well until XX/XX/2019. My son, now XXXX, is an XXXX XXXX  and uses APPs for deposits into his account. He became the victim of fraud by unauthorized withdrawals from his checking account, for {$900.00}, {$600.00}, etc. He contacted the bank and these withdrawals were reversed. He did not even have a balance to cover such withdrawals. Approximately XX/XX/XXXX, all was well with his Chase Account, then on XX/XX/XXXX, {$600.00}, {$400.00} and {$100.00} were withdrawn from his Chase account from an APP called XXXX. He contacted Chase and Chase told him since it was his APP, they would not reverse the charges. Once again, he did not have money to cover with fraudulent withdrawals which were not his. First, I don't understand why Chase would allow such withdrawals when there are insufficient funds in his account to cover such withdrawals. On Friday XX/XX/XXXX, I received a text from Chase stating my checking account had a low balance. I logged on and seen that Chase had transferred ALL my money into my sons account towards his negative balance. I called Chase and spoke to three customer service reps to no avail. Chase said they would give me MY money back if I signed an payment arrangement which I refused. I went to Chase on Saturday XX/XX/XXXX to speak in person to a Chase banking rep. I was told that since my name was on my son 's Teen Account, they had authority, without my knowledge or permission to transfer my checking account funds into the Teen Account. I am beside myself. First my son 's account was robbed, then my own personal Chase checking account was ROBBED by  Chase. Chase said they emailed and/or texted my son XXXX about his negative balance, however, if I was a co-owner of the Teen Account, I should have been afforded the same courtesy, a text or email so I could contact the Chase to find out what was going on. I don't fee this was right, to just empty out my entire checking account and leave me with a XXXX  balance when I had insurance payment ( s ) coming out. I had no choice but to close my Chase Account because I can not allow Chase to just transfer funds without my knowledge or consent. I feel a complaint is totally justified because as a co-owner of my son 's account, I deserved notice of the impending transfer which Chase refused to put back into my checking account, leaving me penniless until my next payday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My vehicle was totaled, insurance paid the majority of the balance however the company has refused to update my balance information on my credit report, however they continue to update my report with late fees.
Product: Debt collection

XXXX XXXX XXXX  is reporting an account that does not belong to me on all three major credit bureaus, XXXX, XXXX  and XXXX. The account was opened XX/XX/XXXX under my name and information. I have have sent in several request to XXXX and XXXX to remove the account from my credit files.I spoke to someone a week ago and they informed me that the account was sent to First National Collection Bureau INC. and they now are trying to collect for XXXX XXXX XXXX under account number XXXX. I contacted First National Collection Bureau INC. and asked them to send me documentation of bearing my signature that the account belongs to me, I also informed the man on the phone that I was a victim of Identity theft and he said he would send me the information I requested. As of today XX/XX/XXXX they have not sent me that information and are still reporting the negative information on my credit files as a charge off. I have requested on several occasions for XXXX XXXX XXXX to remove the negative information.
Product: Credit reporting or other personal consumer reports

BMW financial services reported two late payments to the credit all 3 credit agencies. By law Cornell law. 15 usc 1681 ( a ) ( 2 ) exclusions. ( i ) exclusions. Except provided in paragraph ( 3 ), the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer ( me ) and the person ( BMW financial services ) making the report ; this reporting of the two late payments to equifax , transunion , and experian are clearly a violation of the law!! PLEASE REMOVE THE TWO LATE PAYMENTS FROM MY CREDIT REPORT. as this is a violation of the law. This is the law stated in XXXXXXXX XXXX XXXX
Product: Mortgage

I received a document that disputes the owner of the debt I am alleged to owe.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 XXXX XXXX ( Original Creditor : XXXX XXXX ) acct : # XXXX, XXXX, acct : # XXXX, Personal information : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, NV 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 account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dispute DepartmentExperian XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a collection account that appears on my credit report. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with a validation notice within XXXX days of their initial communication. This notice must inform the consumer of their rights to dispute the debt and request verification. If this validation process has not been properly followed, the collection account should not appear on my credit report. 

I have not received proper validation of the debt in question, and I am requesting that this account be removed from my credit report unless proper validation is provided. The presence of an unverified collection account is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the collection account from my credit report if it can not be properly validated. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

As outlined in 15 U.S.C. 1692g, consumers have the right to : Receive a validation notice informing them of the amount of the debt and the name of the original creditor. 

Dispute the validity of the debt within XXXX days of receiving the notice. 

Request verification of the debt before any further collection efforts are made. 

If the collection account on my credit report does not meet these criteria, it must be removed immediately. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1692g Validation of Debts This section of the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide consumers with a validation notice within XXXX days of their initial communication. This notice must include : The amount of the debt. 

The name of the creditor to whom the debt is owed. 

A statement informing the consumer of their right to dispute the debt within XXXX days. 

A statement that if the consumer disputes the debt, the debt collector will obtain verification and provide it to the consumer.
Product: Mortgage

Back in XXXX I applied for a home refinance laon with Ameriave. They gave confused repsonses and no one seemed to know what they were doing regarding my application. I withdrew my application ( XXXX XXXX ) in writing. 

Now I just received an adverse credot letter that they refused to fund me because of inadequate documentation. 


This is what they just sent me : Dear XXXX XXXX : After reviewing your application, we have closed your file for incompleteness or we are unable to approve you for a loan program. Thank you for allowing AmeriSave Mortgage Corporation the opportunity to assist you. Attached is a notice of declination which indicates the reason ( s ) your loan request could not be approved. 



Warmest Regards,
Product: Credit reporting 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. 
account name : XXXX XXXX XXXX has violated my rights since XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 15 U.S.C 1681s-2 ( A ) ( 1 ) 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 or other personal consumer reports

Tried to get a house and found theft on my report.
Product: Credit reporting

I have paid an account with XXXX and reinstated my service with them and disputed this with the credit reporting company but it ask questions about personal history for security reasons and says I have a mortgage but I do n't have a mortgage and never have had one. When I say no it says my information does n't match so I ca n't submit the dispute and this account is negatively affecting my credit report when it has been paid for months now. Please help me fix this. It 's hard enough to make it these days without things like this happening.