23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I noticed some unauthorized accounts on my credit report. Can you remove these? Theyre hurting my chances of getting credit.
Product: Debt collection

i got a call from a collection company regarding a unpaid bill from XXXX XXXX XXXX back from 2014. I did n't receive any bill or notification from any source before this call from collection. And i check my insurance activity for the past 2 years, all the claims from XXXX XXXX has XXXX balance ( I can provide the claim history, and XXXX XXXX does know my insurance info as they filed to my insurance many times ).
Product: Credit reporting or other personal consumer reports

A new credit account was created under my identity by an unknown person. Identity theft sent me an alert and below are the details of the transaction. I advised to report the issue on this platform. 

XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX Type of Credit Rental Agreement Account XXXX XXXX XXXX XXXX {$0.00} Credit Bureau Equifax XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX
Product: Checking or savings account

Health insurance charged my card twice, refused to refund and told me to have the transaction reversed/disputed. This charge was fraudulent as it was not the amount I authorized.

RBFCU opened a dispute claim, it was been over 45 days with no resolution or communication. Now they are " charging off '' this account because it's a negative balance due to the double charge and them not resolving this dispute.
Product: Money transfer, virtual currency, or money service

dear cfpb, i am have a problem with paypal account because my paypal account get permanently limit account without unknown explanation on XXXX XXXX XXXX, i have {$140.00} balance on paypal account, before my account limit i have give my identification for verification account paypal. 
i hope my account can reuse. 
thanks you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to XXXX for XXXX XXXX XXXX account number XXXX thats reporting on my credit report. The account came back as verified. On XX/XX/XXXX I submitted a method of verification letter to XXXX. I never received a response from them. I contacted XXXX  on XX/XX/XXXX and spoke to a representative by the name of XXXX. I communicated to him that I submitted a letter requesting validation/verification of the above account on XX/XX/XXXX and I had not received any response. He acknowledged that he received it. I asked him to delete the account since they failed to verify it. He specifically said the account was verified but they dont have to tell me how they verified it or what information was used to verify it. XXXX also stated they dont keep information in consumer files about the debt. I know this is against the FCRA because all accounts must be 100 % accurate, 100 % verifiable and 100 % timely. Other violations on this account includes inaccurate reporting. XXXX  is reporting a closed account status with a balance of {$520.00} and an open date of XX/XX/XXXX while Transunion is reporting an open account status with a balance of {$520.00} and an open date of XX/XX/XXXX. Also, XXXX  is reporting payment history on a closed account and the debt has increased several times. Transunion is reporting ND for the payment history and the balance has also increased several times. To my knowledge, all are against the law. Im requesting for this inaccurate and unverifiable account to be deleted immediately from each of my credit reports. This account has caused my credit scores to sink and Im being denied credit because of it. Thank you for your assistance in this matter.
Product: Debt collection

on XX/XX/year> Transworld systems called me from XXXX. A woman at the other end of the phone asked for a person. I asked what is Transworld systems? She then said in a attitude " don't you have internet access? " Sadly enough I do not and due to my financial situation felt belittled and felt less than only because I don't have internet. I ask if she can not tell me what Transworld systems is to please put on with a supervisor, she said " one second and placed me on hold, then came back and said is this XXXX? I said ma'am this is my 3rd time asking for your supervisor, please put me on the phone with them since you are refusing to identify your company. then she kept talking over me and that agent hung up on me, I am so stressed because of this.
Product: Checking or savings account

Bank of America did not provide terms and conditions when my account classification change. They began charging me {$12.00} per month when my account dropped below the {$1500.00} balance for any day during the previous month. I was not told about this fee or the method of computation used to determine the fee. Therefore, the bank kept assessing the fee event though my average daily balance exceeded the {$1500.00} requirement. Additionally, I was not sent a terms and conditions disclosure related to this fee. 

Bank of america kept assessing this fee after my account reached {$1500.00} balance and indicated that the fee was for the previous month. My chief complaint is non disclosure, no cosistent method of assessing fees and how the fee policy keeps changing to their beneift. 

Fee method 1 - {$1500.00} average balance for the month 2 - {$1500.00} daily balance 3 - {$1500.00} balance the previous month Fee concerns 1 - {$12.00} assessed in the current month 2 - {$12.00} assessed for the previous month 3 - {$12.00} assessed based on your statement cycle date I feel that Bank of America 's fee policy is Unfair, Deceptive and quite XXXX  They are using the fee policy to their benefit without providing a consistent application method and process. Therefore, I would like to see a remedy through the CFPB. 

Note : This problem was reported to Bank of America on XX/XX/2021 at XXXX XXXX  CST. The representative failed to refund any fees.
Product: Credit card

I acquired a Macy 's card in XX/XX/XXXX of XXXX, in XX/XX/XXXX XXXX I joined the XXXX XXXX and I 'm currently serving at XXXX XXXX NY. As a member of the XXXX my interest rate on my card should be 6 % or less, because of the ( SCRA ) Service Member Civil Relief Act, but it 's currently 24 %. In XX/XX/XXXX of XXXX I contacted Macy 's explaining the matter to them and send all the necessary paper work showing that I was in the XXXX for the past XXXX years. Since then I contacted Macy 's, and was given the run around, even to have the phone hung up XXXX of the times I called. Finally, they told me that it will take XXXX billing cycles to fix the matter, up until now, nothing have happen, no phone calls like they said or even a letter in the mail. I 'm financially struggling and need help in fixing this problem.
Product: Money transfer, virtual currency, or money service

To whom it may concern. 
UNFAIR RETURN ITEM FEE I tried to transfer {$3000.00} from my personal account ( BOA ) to my business account ( XXXX XXXXXXXX XXXX XXXX ) on XX/XX/19 FRIDAY on BOA webpage. 
and i found out XXXX account was merged with other banks. 
I called XXXX XXXX and they said your routing number has changed. 
so i met the bank teller ( in XXXX branch ) of BOA to tried to fix my transfer information ( my routing numbers ) on same FRIDAY afternoon. 
He said there is no extra fee on fixing information and if the transfer fail the fund will be returned to my account automatically. 
I ' ve been to BOA on wednesday XX/XX/19 again to find out what's going on. 
she who is another teller from friday said i still need to wait more and even though routing numbers were changed and it still can be transferred so i believed that and had to wait again. 
On friday XX/XX/19 morning my {$3000.00} has returned. 
At the same time BOA charged {$35.00} for return item fee. 
This is very deceptive charge. 
I paid {$3.00} for 3 days transfer and wait 7 days but they didn't do it right. 
and charged me another extra {$35.00} for nothing. 
what did i do to deserve this? 
i think this is unfair. 
i hope this problem will be fixed. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

Dear CFPB, The price of Ethereum crashed to as low as XXXX cents from around {$310.00} in about a second on the XXXX cryptocurrency exchange on XXXX XXXX 2017, which is being blamed on a " multimillion dollar market sell '' order. <P/>Ethereum is an alternative digital currency to bitcoin and had been trading as high as {$350.00} on Wednesday. A big price fall triggered 800 stop-loss orders and margin funding liquidations caused Ethereum to trade as low as 10 cents for 1 second before going back to a normal market value. <P/>A stop-loss order is a trade that is executed automatically once a security in this case, Ethereum hits a particular price. Margin funding is essentially trading with borrowed funds. Liquidation is when these positions are closed automatically in order to prevent further losses. The knock-on selling effect caused the flash crash on XXXX thus resulting in Liquidation off everyone 's funds. <P/>When you are called, you have to have the time to place the money in the account. What we have here is not true margin, it is leveraged, calling it margin in its own right if it wo n't behave as the SEC/FINRA/XXXX defined margin is fraudulent. <P/>The link to a chart below is a screenshot of the GDAX price showing the high and low price. XXXX XXXX XXXXXXXX I do n't mind being margin called. I DO mind not having access to a system that allows me to fund my account to prevent the call ( as is required in all US brokerage services ) All this resulted in me losing {$14000.00} because of this margin call. Screenshot that shows my account being margin called : XXXX XXXX XXXXXXXX Thank you for taking the time to read this.
Product: Credit card or prepaid card

i open cash app account and during the time the account was open they open it as a business account i never knew this until everytime someone send me money they would take out fees they have tooken over {$300.00} in fees for a personal account when they shoud have not have also they refuse to give me money taken out my account of XXXX $ they have no phone number tocontact noone or nothing
Product: Mortgage

Back in XXXX I stopped paying my mortgage because of a medical condition caused by my XXXX, which caused me to XXXX and not remember to pay bills. I missed my XXXX payment, paid in XXXX, and stopped paying through XXXX of XXXX. I received a letter from XXXX in XXXX and my husband opened it and made me call to make arrangements to pay the months that were missed. The letter stated that if they did n't hear from me within 30 days that it would go into pre-foreclosure, and even though I called within the 30 day window, the told me that it had been sent the day before and they would n't accept any payments. At that point I had all of the money in my account to pay the back balance in full ( over XXXX in my checking account ) but they refused to accept my payment. I was told that someone would be contacting me to make arrangements to stop the foreclosure proceedings. In XXXX I was contacted and they told me that I could resume making normal payments again but only in the amount due and only by check through the mail, so from XXXX through XXXX I did that, and starting in XXXX my husband took over the finances to make sure that everything was paid on time. I signed a Loan Modification Agreement, and the person that I talked to on the phone said that there was nothing they could do about reporting the late payments from XXXX but that once the paperwork was signed, that the foreclosure proceedings would be removed. From XXXX XXXX until we sold the house in XXXX of XXXX we never missed another payment, and no foreclosure paperwork was ever filed with the court. When we went to get a approval to buy another home though, they were reporting my payments late until XXXX of XXXX, so we had to wait at least until XXXX of XXXX before we could get approved. I sent the credit bureau 's paper work with bank statements that showed that each one of our checks cleared from XXXX XXXX to XXXX XXXX, but XXXX XXXX came back and said that they were reporting accurately. With that being said, we tried again in XXXX, and now the credit reports show XXXX lenders XXXX XXXX and The Money Source both reporting during overlapping times, and now it shows up as a foreclosure from XXXX XXXX through XXXX XXXX. We could n't do anything at that point, so we tried again in XXXX of XXXX and now the foreclosure is reporting through XXXX XXXX. XXXX is reporting the foreclosure and The Money Source is reporting late through that whole period at the same time. We first had to prove that it was n't a foreclosure and that there was only one company servicing the loan, they are both the same company and when we did the modification they changed who serviced it from XXXX to The Money Source and every time we dispute it, the issue gets worse.
Product: Checking or savings account

My debit card information was taken as I am suffering from identity theft. My debit card was used to purchase fraudulent concert tickets. I reached out to my bank in regards to these charges and they told me that they would investigate and nearly a month later my claim has been denied and the money was retaken from my account.
Product: Credit reporting or other personal consumer reports

In XXXX, I received a letter from XXXX XXXX attempting to collect a debt that does not belong to me. I promptly responded, requesting them to cease all communication. They acknowledged my request and agreed to stop all communication. Despite this, XXXX XXXX posted the disputed account on my Experian credit report, violating the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 ( c ) [ 15 U.S.C. 1692c ( c ) ], by continuing communication after agreeing to cease, and the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], by knowingly reporting inaccurate information. I request the CFPB to instruct Experian to investigate and remove the fraudulent account from my credit report immediately. Failure to correct this account will result in legal action against Experian for not ensuring maximum possible accuracy, as required by the FCRA, Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX  # XXXX, Account name : DPT EDXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I am contacting you regarding several unauthorized inquiries made to my personal credit report. Below is a list of the companies involved, along with the dates these inquiries occurred. 

XXXX XXXX XXXX XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

experian report # XXXX for XX/XX/18 and XXXX XXXX file number XXXX for XX/XX/18 and XXXX XXXX for XX/XX/18 i request the bureaus to remove all of my old addresses they did not and as required by the fcra to provide me with the method of verification they did not.
Product: Credit card

This is the second month I 've called WF to discontinue a monthly email for their new Go Far rewards program. There is no option to unsubscribe on the email, I then called the customer service number provided on the email, that customer service could not help me opt out so I was then transferred to Premier help line, they could n't help me then I sent to online banking help line, they could not help me so then they sent me to credit card customer service and then the line disconnected, I then call the credit card customer service directly and had to wait 9 minutes to talk to someone. I finally reached a credit card representative, they too could not help me, I was then transferred to the rewards customer service line. They too could not help me, I was told I could n't opt out receiving this news letter only, my only option is to discontinue receiving all email communications from the bank which is ridiculous because I hold my checking, savings, mortgage, HELOC, XXXX account too. Finally, I was required to re-authenticate every time I was transferred so I had to authenticate myself a total of five times. I thought by law that the email has to provide a way to unsubscribe from communications I do n't want to receive. I went through this exact horrible experience last month, I called on XXXX XXXX and was promised from the last person I spoke to that I would be opted-out.
Product: Credit reporting or other personal consumer reports

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report.As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to optout of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information.

I will take this to federal court to seek the highest claim of the Federal Reserve Act Section 29
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, In XX/XX/2020 I mailed a " Pay In Lieu of Deletion Letter '' certified return receipt to I.Q. Data International. It is now XX/XX/2020 and I have not received a response of any kind from I.Q. Data in response to settle this debt. XX/XX/XXXX has deleted this item months ago from my credit report after completing their investigation however I disputed it with XX/XX/XXXX XXXX XX/XX/2020 ) and the dispute result was an Update not a deletion. I am confused I followed the proper protocols in validating the debt, requesting proof that I.Q. Data has the legal right to collect here in TX however I am left to wonder if they do not actually have a right to collect here in TX at all and perhaps they have provided false misleading information to Consumer Finance and myself. I am requesting a full thorough investigation as to IQ Data 's " legal right ' to collect this debt in the state of Texas because I have not received any progressive/ forthcoming honest communication back from IQ Data attempting to resolve this debt they have claimed/validated that I owe. 

I would like to file a complaint against XX/XX/XXXX for not properly investigating and deleting this and against I.Q. Data for claiming they have a right to collect debt here in the state of TX however did not in good faith respond to my " Pay in Lieu of Deletion Letter ''. I am left to believe that I.Q. Data is fraudulent and XX/XX/XXXXas well for not doing their due diligence to correct this they are behaving in a malicious manner acting as cohorts intentionally causing damage and harm to my credit.
Product: Mortgage

I was mailed instructions on paying my mortgage off early. We decided to wire the money in an account that the mortgage company provided. Our bank follow the instructions and wired the money. Three days had pass and I check the balance on this loan. The money was n't posted to my account. So I call the mortgage company. Their call center is in the XXXX. They submitted a research on this wire and never call back. At first they say we enter the wrong account number on the wire. Our bank checked with XXXX XXXX they told us the wire was in the right account. They will not return the money, that PHH needs to pull the wire. This has been going on for over three weeks and the mortgage company will not talk to us or returns any phone calls. We keep getting the run around. Where did my money go?
Product: Credit reporting or other personal consumer reports

XXXX XXXX HAS PLACED A DEBT ON MY TRANSUNION REPORT AS OF XXXX OF XXXX  FOR THE AMOUNT OF {$95000.00}. I HAVE FILED A POLICE REPORT ON XX/XX/year>. AND ALSO MAILED AND OPEN AN INVESTIGATION WITH TRANSUNION FOR XXXX XXXX WITH TRANSUNION. I NEVER APPLIED FOR THIS LOAN WITH XXXX XXXX IN PERSON OR ONLINE FOR ANY AMOUNT. I HAVE BEEN DISPUTING THIS DEBT WITH XXXX XXXX & TRANSUNION FOR THE LAST XXXX  MONTHS. PLEASE INVESTIGATE AND DELETE THIS DEBT WITH XXXX XXXX OFF OF MY TRANSUNION CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 -- -- -Equifax -- XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX