23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have XXXX credit cards with home depot. I normally pay my bills in full each month. Last month, I missed paying the bill on XXXX of the cards. When I recieved my new statement and noted my error, I also noted the bill was now not due until XXXX and the late payment fee was XXXX. Since XXXX XXXX I have recieved no less than XXXX phone calls from CITI wanting money. I have verbally advised them they are harrasing me and requested they stop. They have not. This is not accpeptable behavior for a credit card company.
Product: Debt collection

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account # XXXX with XXXX XXXX, XXXX Matter Account ID # XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX are attempting to collect an alleged debt on the basis of fraud. Demanding payments for alleged debt for XXXX XXXX XXXX XXXX, XXXX that has been paid in Full. The collection of any alleged debt after being PAID IN FULL would be a case of unjust enrichment, and fraud on the homeowners and consumer. All payments are up to date with the XXXX XXXX XXXX XXXX and a recent deposited check attached. I am not responsible for any payments for this XXXX ID # XXXX. I have no business with XXXX XXXX, XXXX and its successors. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX are " third-party debt collector ''. I do not have a contract with XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX or owe a debt to XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX is attempting to collect a debt on the basis of fraud. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX has recorded false, derogatory, defamatory and slandering information about me to the XXXX County court and public records which has resulted in my being damage, such action cause by way of denial of credit on my Property at XXXX XXXX ct XXXX FL XXXX due to the inaccurate and negative information! XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX decided to ignore my demands for Validation and remove the FRAUDULENT Notice of lien on my property immediately. Over the past several months, I have tried to resolve this issue on XX/XX/2017 and etc by Demand to Cease and Desist ALL Collections Activities but to no avail, refusal. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX decided to ignore my demands for Validation. Provide proof of claim with evidence that you have legal and lawful authority to collect. 1. ( actual accounting ) 2. ( sworn affidavit or signed invoice and 3. A copy of the contract binding both parties. Failure to substantiate the claim, remove lien immediately. I will further pursue all of my legal remedy without further notice to companies. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX actions among others are violations of the federal Fair Debt Collection Practices Acts ( FDCPA ) of multiple state and Federal laws. Relief from Intentional act of fraud. Fraud, deliberate concealment of material information, fraud is a felon. This is Dishonor in commerce, Fraud, Conspiracy, and Racketeering.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ), Improper Reporting of Charged-Off Account, and Potential Violations of the Fair Debt Collection Practices Act ( FDCPA ) Company Name : XXXX XXXX and TransUnion Issue Description : I am filing a complaint regarding several serious concerns involving XXXX XXXX and TransUnion XXXX including violations of the Fair Credit Reporting Act ( FCRA ), improper reporting practices, and potentially deceptive debt collection tactics that may violate the Fair Debt Collection Practices Act ( FDCPA ). 
1. Failure to Provide Method of Verification : After disputing the accuracy of the XXXX XXXX account with TransUnion, they marked the investigation as complete and deemed the information accurate. However, TransUnion failed to provide the method of verification, a violation of FCRA Section 611 ( 15 U.S.C. 1681i ). 
2. Inaccurate Reporting of Charged-Off Account : XXXX XXXX reported my account as a charge-off on my credit report. However, I did not receive a 1099-C form for canceled debt, raising concerns about whether the charge-off was processed correctly.

Without proper cancellation or forgiveness of the debt, this charge-off continues to inaccurately reflect on my credit report.

3. Lack of a Thorough and Fair Investigation : XXXX investigation into my dispute did not meet FCRA standards, as they failed to address inconsistencies or verify the accuracy of the reported information. 
4. Deceptive and Misleading Communication Practices : XXXX XXXX frequently called me using phone numbers with the same area code as my own, which created the impression that the calls were from a local contact. 
When my car was repossessed, representatives from XXXX XXXX called me and claimed that I could stop the repossession and retrieve the vehicle by making a payment. Even after the car was removed from the repossession lot and sold at an auction, they continued to call and falsely claim that making a payment would allow me to get the car back. 
These tactics are misleading and deceptive, causing confusion and distress. Such practices may violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits false or misleading representations in connection with debt collection activities. 

Impact : These issues have negatively impacted my credit score, financial credibility, and personal well-being. The failure to provide proper verification, inaccuracies in credit reporting, and aggressive communication tactics have created significant hardship.

Desired Resolution : Immediate deletion of the XXXX XXXX account from my credit report due to violations of the FCRA and FDCPA. 
Full investigation into XXXX XXXX reporting and collection practices. 
Written acknowledgment of errors and assurances that such practices will not occur in the future. 
Appropriate remedies for any violations identified, including compensation for damages caused by inaccurate reporting or harassment. 

I request that the CFPB address this complaint promptly and ensure my rights are upheld under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2008 XXXX XXXX  court shows a balance of XXXX for a child restraint ticket. I contacted the court and was told this was paid in full XX/XX/2008. This report should show no balance and clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Im writing in to complain about Experian. They refuse to delete a charge off from XXXX XXXX Account # XXXX. I've disputed this account several times and they refuse to delete this account after failing to stay in compliance with section 609 ( a ) ( 1 ) ( a ) of the Fair Credit Reporting Act. I simply asked to see verifiable Proof ( an original Consumer Contract with my Signature on it ) without sending me any original signed contract that Ive signed. 

Experian blatantly and arrogantly disregarded my right to ensure that all accounts they post on my credit report are absolutely correct and accurate. They have never provided me any verifiable proof ( an original contract with my signature on it ) ever. 

Who's to say that anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

This is seriously hurting my credit score and I have the legal right to demand Verifiable Proof or this item must be deleted! See attached proof of mailing and notarized documents that I mailed certified and also their response.
Product: Credit reporting or other personal consumer reports

I found information on my credit report stating that my information had been leaked to the dark web on both XXXX  and TransUnion which was causing my credit score to go down because someone had opened accounts with my information. I also spoke with several people and told them that I had received letters about breached information but they said their investigation decision was that the info was correct. I asked for written documentation to show how those accounts were opened in California and several other places and they have not returned a response in any way.
Product: Credit reporting or other personal consumer reports

Despite multiple previous disputes regarding this account, the inaccuracies remain uncorrected, demonstrating potential willful noncompliance under 15 USC 1681n. 

Details of the Disputed Account : Account Name : XXXX Debt Validation Issues : The company to which the debt was sold, XXXX XXXX XXXX XXXX investigated and stated they can not validate the debt, hence they ceased collection efforts as indicated in the attached correspondence dated XX/XX/year>. However, XXXX continues to report the debt. This violates the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681s-2 ( b ) ), which requires furnishers to cease reporting information if it can not be verified.

Repeated Disputes Ignored : Despite previous disputes, the errors have not been corrected, indicating potential willful noncompliance by the credit reporting agencies and XXXX. Under the FCRA ( 15 USC 1681i ( a ) ), credit reporting agencies must reinvestigate disputes and correct any inaccurate information. Repeated failure to correct errors can be considered willful noncompliance under 15 USC 1681n, making them liable for damages. 

Supporting Documentation : The letter from XXXX XXXX XXXX confirming they ceased collection efforts and can not validate the debt.
Product: Checking or savings account

On XX/XX/XXXX, I opened a savings account with Barclays Bank. I transferred funds of {$500.00} to open this account from my XXXX XXXX XXXX XXXX account. 

Shortly after opening the above account with Barclays, I attempted to deposit a check to that account. Apparently this started off a big problem. I was locked out of my account and could not access it on line. I called customer service and on that initial phone call ( sorry, do not have that date, but it was in early XXXX of XXXX ) I was told that a fraud alert had been put on the account, and the account was now closed. That person told me that the {$500.00} would be returned to my credit union account. That did not happen. 
Since then, I have now made 4 subsequent calls to Barclays Bank and have been told different stories each time. 

XX/XX/XXXX I was told by XXXX at Barclays that the account had NOT been previously closed, as I had been told, but was still open but " locked. '' At that time, getting frustrated, I told him to close it and transfer the money back to my credit union account. He said he did that, and issued a ticket number. He told me the money should appear the following week. It did not. 

XX/XX/XXXX Follow up call made -- The representative assured me the account was closed and the money should be in my XXXX account, and if it wasn't, it was the fault of my credit union account, not on Barclays end. I then called my credit union and they spent a good deal of time searching for this deposit that never happened. They said it was definitely not sent, and I needed to call Barclays to pursue further. 

XX/XX/XXXX Call to XXXX at Barclays : I was told the funds were definitely transferred on XX/XX/XXXX, and they should show up in my credit union account by XX/XX/XXXX or XX/XX/XXXX at the latest. They did not. 

XX/XX/XXXX Final call to Barclays : I asked to speak with a manager or supervisor and was told that was not possible, but that I had to create a ticket and will receive a call back in a few days. I proceeded to explain the whole story once again, and this person told me that it will take up to 90 days to receive the funds back in my credit union account. 
He then created a ticket for a manager to call me, but disconnected the call before I was given the ticket number. 

I feel that 90 days is excessive for one thing, but my bigger issue is getting different stories every time I call. At this point I have no faith or trust that my money will ever be returned! 

XXXX XXXX
Product: Checking or savings account

US Bank has denied several claims I've made in an attempt to retrieve funds from an UNAUTHORIZED XXXX transfer to a person I do not know and for an amount far above what I can afford to lose ( more than a month 's rent ). On XX/XX/2023 I was emailed about a {$2000.00} XXXX transfer to a XXXX XXXX. I do not know this person, nor would I ever send this large a sum of money via online transfers ( XXXX, XXXX, etc. ). I've since spent countless hours on the phone with US Bank 's fraud liaison center as well as in person at a local branch. At the advice of the fraud center, I closed the original accounts and opened up a new one as I was told they had been compromised. When I was notified of the first denied claim, I was told a police report may serve as new evidence to help me retrieve the stolen funds. They once again denied the claim, calling it a duplicate without spending any additional time to review new details. After my most recent conversation with the fraud center, I was told that no one was willing to tell me the truth within US Bank and that fraudulent XXXX claims are rarely successful. I was told there is no one else I can reach out to and nothing else I can do. For the price of a stolen {$2000.00}, I've achieved nothing but wasted time over the course of several weeks. Why are there no protections against XXXX fraud if every bank is constantly advertising for them? Why is there no way to get ahold of a XXXX representative about fraud claims? Neither entities want to take responsibility for what is obviously an unsafe platform very easily susceptible to theft. Even for cases where it's just a mistake, how is it possible the transactions can not be reversed? There should be insurance for these types of scenarios to avoid leaving customers hanging out to dry.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

I have identified information on my credit report that are a result of identity theft. These items and or transaction were not initiated by me.
Product: Checking or savings account

i bank with chase bank to my surprise a charge came in for {$100.00} the problem is it comes after a week has passed.
Product: Credit reporting or other personal consumer reports

FCRA XXXX, in my understanding, mandates the removal of any incorrect accounts from my credit report. Could you review the documents? Some of the accounts listed are inaccurate in terms of reporting, including inaccurate amounts and dates.
Product: Debt collection

I have repeatedly ask for proof of this account I do not know any credit acceptance they have been reporting late payments on my credit for a year. I have never had a account with credit acceptance do not know this company when I tried to rectify this account they were not trying to assist with this issue. I need proof of this debt I hav disputed with all three credit bureau and no luck with proof
Product: Payday loan, title loan, or personal loan

On XX/XX/22 I applied for a personal loan from discover and was denied and sent a adverse action letter. As I am the consumer and attempted to get credit in GOOD FAITH as I am credit worthy. I was denied an extension of my own credit, for I am the consumer/ natural person. I replied with an affidavit as I felt this is discrimination. And credit was used with no benefit to me pursuant to 15 usc 1602 ( p ). My credit should not be in the hands of a computer generated determination, for I am a natural person.
Product: Debt collection

Upgrade , Inc. claims I owe them XXXX on a line of credit promissory note ( which doesn't make sense ) that they signed on my behalf without my permission. However, they can't prove to me that they sent me any money or why I owe them this money. I talked to them on the phone and they kept asking me for my bank account information to prove that I never received any money. I refuse to give them my banking info as I am concerned they will find a way to take money out of my account! I filed this complaint before under # XXXX and it was closed ; but now they have placed it on my credit and they are threatening to accelerate payments and demand payment in full on a debt I don't owe. I told their rep. to take me to court and I would show my bank acct info to a judge. However, I feel it is incumbent on them to prove they sent me the money. After all if they sent money to my bank account it will not be exposing confidential information to tell me what account they sent it to, would it? They need to prove I owe them this money! Any business that would send {$6500.00} to a bank account and not have proof of what account they sent it to is either incompetent or lying!!! I am attaching a police report, their phony loan document and a cover letter I sent to the credit services.
Product: Checking or savings account

Bank of America keeps reordering debit card transactions in various ways that does n't reflect my debit transactions. I 'll have a zero transaction and all of a sudden an old debit is processing or they change the order causing me to have less than what I previously had. I also had an incident in XXXXXX where I was charged an overdraft fee, and I had put enough money in my account to cover it. Had I not caught it, the charge would have stuck. My purchases should not be shuffled or debited by large to small but as I purchased. I 've complained about this before. The womam from bank of America who called was extremely rude and I would not speak to her.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

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 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 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 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 Experian, and XXXX have 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 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 or 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 data is inaccurate.
Product: Debt collection

Called my sister twice after speaking with me. Called my brother as well after speaking with me. Even contacted my ex husband. Asked for my information without telling me why they wanted it. 
XX/XX/18 was the most recent I spoke with them and the most recent they called my sister. Was told 3 different amounts of a debt and encouraged to give my account information immediately to settle a credit card, when I said I couldn't do that they continued to harass my family who I don't speak to. 
I have received nothing via mail only by phone recently.
Product: Credit card

Chase is refusing to credit me for {$5600.00} in fraudulent uber charges to my credit card on uber accounts that are n't mine. I 've spent  over 10 hours  on hold and talking with various reps to try to get the charges refunded. I itemized all of the charges and reviewed them with the fraud department, they said they would be refunded by this past monday end of day. They refunded a  few hundred dolla rs of them, but are now ( Thurs ) claiming the charges are under review. I had originally reported a fraud transaction in  XXXX  when a charge looked off.  Chase as ked for proof from  XXXX , they provided a document showing that the charge was on a separate account from someone who was not me, but refused to refund the charge. I had my first child on  XXXX  and did n't have time to look into the matter until doing taxes. I thought it was a couple hundred dollars, but when I reviewed my yearly statement, over {$5600.00} in fraudulent charged had been made. They 're attempting to brush me off hoping that I give up and pay the charge so my credit wo n't be damaged.
Product: Checking or savings account

Check dated XX/XX/XXXX was cashed on XX/XX/XXXX, and NSF Fee assessed XX/XX/XXXX. Check was dated XX/XX/XXXX in anticipation of direct deposit on that date, but issued as a courtesy to a service provider who is on site only once per week. Contacted bank today XX/XX/XXXX to secure explanation. Was informed that a check may be cashed when presented, no matter the date. Was told, " that date is only for your records ; it is meaningless to the bank. '' When I asked why I had been unable to cash a similarly post-dated payroll check in the past at their bank, I was informed that " the law is different for personal checks than it is for business checks. '' My inability to cash a post-dated check in the past was the basis for me to present the check to my service provider in advance of the actual date on the check. Now I feel my bank is not dealing with me equitably, or perhaps even legally, because their response does not seem to conform to the information I found on Consumerfinance.gov. When I asked them to waive the fee under the circumstances, they refused, but agreed to reimburse half.
Product: Credit card or prepaid card

The credit Card company ( PNC BANK ) has charged me a late fee because I paid my bill at XXXX XXXX  instead of XXXX XXXX on Saturday. They charge me XXXX dollars. This is very arbitrary because Saturdays are considered weekend and payments at XXXX XXXX eastern time versus payments at XXXX XXXX makes would not create any undue burden on the credit company.