23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to furnish information on account incorrectly. Payment never late. Reported on XXXX  as on time. Continue to violate FCRA Guidelines .Department of Education XXXX continues to furnish incorrect information on credit file. Company has multiple accounts on credit file displaying negative reporting.
Product: Debt collection

I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have reviewed my report and identified inquiries that I did not authorize, and I request an investigation into their legitimacy. If the inquiries can not be verified with evidence of my consent, I request that they be removed immediately. 
Below are the details of the inquiries in question : Company Name : Spring Oaks Capital LLC Date of Inquiry : XX/XX/year> Amount : {$840.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. If these inquiries can not be verified as authorized by me, I request their removal. 

Thank you for your time and attention to this matter. I look forward to your response and resolution within the 30-day period required by law.
Product: Credit reporting or other personal consumer reports

THIS FRAUD NAVY ACCOUNT WAS OPENED WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

I CONTACTED NAVY FEDERAL CREDIT UNION XXXXEVERAL TIMES AND LET THEM KNOW THIS IS A FRAUD ACCOUNT. 

THE CREDITOR AGREED TO DELETE THIS INACCURATE FRAUD CREDIT CARD ACCOUNT FROM MY CREDIT REPORT.
Product: Bank account or service

PayPal offers to processes payments with a " Pay without a PayPal account '' ( which has worked in the past ), but choosing it currently requires creating a PayPal account in order to continue. I started at XXXX ( though I doubt this is the only seller affected ) and clicked " Add to cart '', then the " Check out '' button annotated with " Pay without a PayPal account ''. The form then displayed collects payment and address info, but also contains a mandatory " Create your PayPal account '' section at the bottom.
Product: Debt collection

I was sent a notice from a debt collector company named XXXX XXXX XXXX XXXX XXXX XXXX who is collecting a debt for METACORP, LLC ( another debt collector ) regarding my account with XXXX. I did not realize this was a debt notice and that the notice had a dispute date that expired on XX/XX/XXXX. There was no other conact regarding this account and the debt from the second company involved, METACORP, LLC. I did receive emails from XXXX  in regards to statements about how much was owed and that I was in arrears, thus heading for collections or in collections regarding this account. While doing my due diligence, in regards to researching the XXXX  account information and in regards to the amount that I actually owe on the account, I noticed a major discrepancy regarding the amount owed and the " as of '' date. The " attempt to collect notice that I received states that as of XX/XX/XXXX the amount that I owed was {$1400.00}, however while looking over the statements and researching those statements date by date and amount by amount, I found that the amount that I owed as of XX/XX/XXXX was drastically different from the amount on the " attempt to collect notice ''. The amount that my statement that is even close to the date of XX/XX/XXXX, is the statement dated for XX/XX/XXXX with a due date of XX/XX/XXXX and a total current loan balance of {$830.00}. The balance that is stated as the " as of amount due '' on the " attempt to collect notice '' from XXXX XXXX XXXX XXXX XXXX XXXX collecting for METACORP, LLC collecting for XXXX, is the current loan balace for the statement dated XX/XX/XXXX and has a due date of XX/XX/XXXX in the amount of {$1400.00}. Not only have I enclosed all the statements from XX/XX/XXXX up through XX/XX/XXXX, I have also included the " attempt to collect notice '' from XXXX XXXX XXXX XXXX XXXX XXXX collecting for METACORP, LLC collecting for XXXX. The two statements in question and the " attempt to collect notice '' from XXXX XXXX XXXX XXXX XXXX XXXX collecting for METACORP, LLC collecting for XXXX, showing the close to {$600.00} discrepincy/fraudulant amount due based off the " as of date '' of XX/XX/XXXX, are all highlighted and starred for easy accessability.
Product: Checking or savings account

I am a victim of Identity theft. My Bank of America and XXXX XXXX  account got hack on XX/XX/2022. 
XXXX ) Hackers were able to transfer all my money from My Bank of America Checking and savings account. I called to Bank Of America fraud department and request to resolved this issue but I have not heard from them yet. 

XXXX ) Hackers were able to transfer {$5000.00} from my account to his account ( XXXX bank ). XXXX XXXX were able to detect this fraud and revert back my money to my new wells fargo account. 

I still don't know how did this happened. I want to know why it happened to my account so in future no one will be victim like me. I also need my money back from Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX 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
Product: Payday loan, title loan, or personal loan

I contacted XXXX about a loan specifically because my credit is currently in bad shape due to personal issues over the past few years. I don't have a problem with the fact that they denied me, as I thought they probably would. 

My problem arises from the fact that, rather than telling me they could not make a loan to me, the representative told me there were some marks on my credit and that he was going to transfer me to an associate to see what they could do to help me. He said that after I spoke with that person we could take a look at loan options again. 

This was deceptive, however, as he knew I'd been denied a loan and he transferred me to a credit repair service so they could pitch their services and offer to help repair my credit for between {$150.00} to {$200.00} or more per month. After the call I looked in my email and found I had already received the legally required " you've been denied a loan, here 's the credit agency info if you want to find out why '' notice while the new rep while trying to sell me credit repair services. They knew I had been rejected. They could have told me so. 

I know how to repair my credit. I don't need a service. I was trying to get the loan as part of my own repair process so that I could show regular on-time payments. 

I don't appreciate that, since XXXX couldn't make money off me through a loan, they tried to sell me to a credit repair agency as a means to still make money off of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters out to XXXX, XXXX, and Equifax regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX - XXXX XXXX - XXXX Equifax - XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation?
Product: Mortgage

Wells Fargo Bank did not notify me of an insurance lapse from last year until XX/XX/XXXX and I put a policy in place immediately But in XXXX of XXXX XXXX XXXXXXXX they put a policy in place for last year and charging me {$9000.00} for an {$800.00} policy They did not notify for 9 months normally they send me a request for proof of insurance if I pay it on the due date I called them to try and resolve this but they would not put me thru to a supervisor saying there's no point
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX accounts show late even though I have proof from XXXX that my account was under forbearance ; forbearance negates the necessity of making payments and no late payments are collected during this time.I 've disputed and shown this proof to equifax and XXXX  but they've done nothing to update this - XXXX account shows my full balance owed on the account but I've already fully paid and closed out the account
Product: Mortgage

I had a loan modification through Bank of America. They put me in trial payment from XX/XX/XXXX through XX/XX/XXXX. While I was made payments, my home went to foreclosure. I went to court with Bank of America and I showed all the evidence to judge. Bank of America had to buy the house back and reinstated back under my name. The loan modification was completed in XX/XX/XXXX. Bank of America mislead me and lied regarding the details of loan modification. The agent of Bank of America stated that they reduce principal amount and put it aside to allow your monthly payment less. All I have to do is to remain 5 years in house without default. After that this amount will be waived out and I would be able to sell my house without issues. He did not inform me that was a second mortgage I have to pay when I sell my home or refiance through conventional loan. I am devasted to find out after a buyer has been waiting for 3 months to close the deal. I want this to investigate and find a remedy for it. I can not afford to walk empty handed after the home sold.
Product: Debt collection

I have an installment plan with flexshopper that I have been paying on for quite sometime. I have run into some financial struggles with Covid and have reached out several times for someone to get in touch with me about what options I have. The installments are for anXX/XX/XXXX and a separate super disk for the computer. I am already paying {$1400.00} more for the computer than it is worth and {$65.00} more for the extra disk drive due to the computer not coming standard with one, which the description of the computer doesnt provide. Ive been paying on this computer since XXXX paying out {$1200.00} towards the device already when its cash price is {$1000.00}. I have paid {$82.00} towards the super disk since XXXX which has a cash price of {$130.00}. I have paid enough in on these devices to own them outright and when I have contacted the company several times due to Covid related money issues all they want me to do is call them. I dont have the option to call them and sit on the phone for hours. Ive requested someone to email me with my options and I never get anything other than to call them. Now they are sending me emails telling me they are going to cancel my contract and Ill be required to send both devices back to them. Ive paid enough money on both of these to own them and they just want to threaten to take them back. I dont see how this is fair or reasonable.
Product: Debt collection

Creditor did not allow me a time to pay the debt before placing on my credit report
Product: Checking or savings account

I have been a past customer of PNC bank and changed my checking away from this bank several years ago, but kept a credit card open with them. I opened a new checking account with PNC in XXXX 2017 as I was looking for another bank close to my home and a friend had good experiences with that branch, so I figured Id give them another shot. I applied for a new checking account with a bonus that advertised {$200.00} for {$2000.00} of direct deposits and 10 debit card purchases in the first 60 days, which I completed.
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I called in XXXX to verify the terms of this promotion and wrote them down on a post-it note, which I still have at my desk. This promotion was listed for existing customers who hadnt had a checking account with PNC with the last X months, I dont remember the exact window, just that I fell within it.
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On XXXX XXXX, approximately 90 days after account opening, I sent a chat message to confirm when the promotion would be posted to my account, and after extensive time to research, told me the promotion was not on my account and I would have to call in for further research.
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I then called and spoke to a XXXX XXXX  who told me that though I met the requirements, the promotion code had not been applied to my account. She told me she called the branch and was unable to talk to the person who had opened my account which makes sense since the account had been opened online. She suggested I go in to a branch, at which point I told her it was unlikely I was going to speak to a third person about this and would just file this complaint.
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At this point, she transferred me to a XXXX XXXX, an escalations manager, who filed a dispute for a bonus not received and told me she would contact me with the results of that dispute. It has been one week since we spoke and there has not yet been an update.
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I do n't understand what the " dispute '' in this situation is since I fulfilled the terms set forth by PNC.
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I have the confirmation number from when I opened this account online available.
Product: Debt collection

Navy Federal Credit Union has repeated called me after XXXX XXXX  on weekdays and weekends. In addition, I have records where they would call several times in one day and after XXXX XXXX. Each time I try to call the number back or they leave me a message, it is an automated response with to call their automated system.
Product: Credit reporting or other personal consumer reports

This is shocking, to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief and that I may be already a victim of identity theft adding unnecessary stress and anxiety to my life.
Product: Debt collection

Account Name : WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$1100.00} Reason : Identity theft Please remove it from my credit report.
Product: Bank account or service

I had a Debit Card ending on XXXX witch was cancel most likely more than XXXX month ago. 
This Debit card number was cancelled by me, when i ask to be issue another Debit Card ending on XXXX. 
A company name XXXX witch i make business in the past, have in record my old cancelled debit card ending on XXXX. 
Citibank fail to protect my account allowing a transaction go through with this cancel old debit card number. i call City Bank and ask for intermediately refunds of my funds since they as an institution allowed this to happens by not been properly canceling the old debit card. Call second time and was transferred to the Corporate Support Team where XXXX told me that the case was file and just have to wait. Because of this Bank Mistake my account is in Negative and now I can not perform any transaction in my account causing me an inconvenience situation and frustration no allowing me to take my money out to support my family.
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 many times before and reporting discrepancies, my financial institution and Zelle failed to investigate my claims and concerns adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account ( s ) : # XXXX, # XXXX, # XXXX, 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 an 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 more than seven years.

15 U.S. C 1681-2 ( A ) ( 1 ) Section, states : 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: Money transfer, virtual currency, or money service

Hi. I am in day 29 of waiting for a resolution from Binance.us ( BAM Trading Services, Inc. ). They are currently holding over {$12000.00} Busd of mine ( stable coin linked to the US dollar ) in a wallet they own instead of my wallet on their exchange. I provided all relevant TX ids and proof of success to their CS department. They issued a service ticket number XXXX. After email every day and finally getting their XXXX  account to escalate the issue they responded and said for a fee of XXXX ( bitcoin ) they would extract my money and return it. 
That was over 2 weeks ago and nothing has been done. I email daily and after initially assuring me that they were working on it, I have stopped getting responses. I read other accounts of this happening and people being 90 days into their service ticket with no resolution. I just want my money back. I have all correspondence as well as traction info if needed.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 There is a scam transaction of {$1000.00} from my account. I called my back but they are not able to refund this amount to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my account with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX on XX/XX/2020 for the amount of {$150.00}. I then submitted a dispute on XX/XX/2020 with Transunion but was met with results stating that the account was still mine on XX/XX/2020. I do have a receipt of my transaction settling the account and tried to attach it to my dispute but technical errors prevented me from doing so. I've tried to contact Transunion by phone but have been met with a busy line and I can not find an email address to contact any representative.
Product: Credit card or prepaid card

I had originally opened a credit card with Citi ( CitiBusiness Platinum Select ). Around XXXX XXXX XX/XX/2021 I had closed my account. In XX/XX/2021 I received a letter in the mail stating that my account had a balance and was going to be sent to collections. I then called again on XX/XX/XXXX and they refused to acknowledge that I had closed the account, claiming that the bank closed it. They also informed me that the resulting balance was from the annual fee + interest + fees all due to that annual fee. There was Zero balance from charges I made. As I had already closed the account before the annually fee, it should not have a balance. I was told to give them XXXX business days when I called on XX/XX/XXXX. I called again on XX/XX/XXXX and was told to give them XXXX business days. I called again on XX/XX/XXXX and XX/XX/XXXX, and each time I'm told to give them XXXX business days. On XX/XX/XXXX I was also told that if I don't pay the current balance of almost {$300.00} by the XXXX I would incur additional fees... all because they refused to close my account when I originally requested. The annual fee is {$99.00}, for it to incur 200 % in fees and interest for an account I had closed is predatory.