23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Attempt to contact collector several time within months of XXXX until XXXX to have closed account due to fraud remove from my credit but I was told can't find account. called and spoke with someone diffferent and was told in XXXX it will be removed by XXXX however account has not been removed and unable to speak with anyone to confirm why.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did/does not have permissible purpose to report the following account to my consumer report : XXXX. XXXX XXXX XXXX Account # XXXX FCRA Violation/Not Metro 2 compliant XXXX. XXXX XXXX XXXX Account # XXXX FCRA Violation/Not Metro 2 complaint XXXX. XXXX XXXX XXXX Account # XXXX FCRA Violation/ Not Metro 2 compliant XXXX. XXXX XXXX XXXX  Account # XXXX FCRA Violation /Not Metro 2 compliant They are committing Identity Theft. I submitted an identity theft report on idenititytheft.gov, and provided them with a copy. The report will be attached with the complaint.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and their subsidiaries furnished my information unlawfully since XX/XX/2016 until present according to my consumer file. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; XXXX CFR Part XXXX ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 

They furnished the payment status, delinquency, and balances which is an unlawful violation according to FCRA, section XXXX any person/business who willfully fails to comply with respect to any consumer is liable to that consumer for damages. 

I am notifying you to delete this information from my consumer file in good faith. This is your notice to cure this violation, or I will be forced to comply with Section XXXX of FCRA.
Product: Checking or savings account

I wrote XXXX XXXX a letter stating the activity is not mine on the account and the bank would not listen to me at all. XXXX XXXX is closing my account and charging me over {$3000.00} for charges they are not mine and I would like this matter resolved.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, My Name is XXXX XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I have no association with any other address that may be listed on my Experian, XXXX or XXXX credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX XXXX & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We short sold our house in XXXX and BofA is reporting late payments in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with one of Transunion 's representative and they would not help and take care of negative inquires reporting to my credit report, that I had no knowledge of the list of inquiries I requested to be deleted were : XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX- XX/XX/XXXX XXXX
Product: Debt collection

Some accounts in department of collection reflect amount that I have to pay for. 
AD ASTRA RECOVERY SERV Reflecting {$240.00} of debit ..date opened XX/XX/XXXX, XXXX should close and delete this account. 
XXXX XXXX XXXX reflecting {$600.00} of debit ..date opened XX/XX/XXXX, XXXXyou should close and delete this account. 
THE XXXX XXXX reflecting {$690.00} of debit ..date opened XXXXyou should close and delete this account.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I informed Creditfresh that I was being represented by an attorney regarding this debt. I gave them the name and address of the attorney via phone and email. I was told by Creditfresh that I needed to get power of attorney for them to speak with my attorney regarding this debt. My attorney informed me that according to FDCPA 15 USC 1692 c 804 ( 6 ) and 805 ( 2 ) and Florida Statute 559.72 ( 18 ) that all I need to do is provide them the attorney information. This is not a bankruptcy attorney nor a debt consolidation attorney. This is a personal consumer rights attorney. They must direct further collections to him.
Product: Debt collection

calling and harrassing me. contacting my employer saying they will come to my work to collect a debt. keeps calling my phone leaving messages. just want them to stop cause my work will not accept calls from them or let them on the premises thanks.
Product: Mortgage

I have been a loyal Bank of America client for over 10 years. I have been a Preferred Rewards Diamond member for 5 years. XX/XX/2023 late in the evening, my Realtor asked for an FHA pre approval letter. I filled out my information online hoping to get the approval letter quickly to give to my realtor. After submitting my information, to my disappointment they were giving loan suggestions and it became clear it was not pre approval but a sales tactic. I get a phone call from a Bank of America representative XXXX XXXX XXXX XXXX  : XXXX who proceeds to ask the exact same questions for about XXXX minutes about questions that I already had answered. Then I get put on hold for XXXX minutes and told I didn't qualify. I could buy the house in cash many times over but I didn't have the proper flow of income for the loan. The representative then sold off my information as a lead to hundreds if not thousands of mortgage brokers without my consent. I've received hundreds of phone calls within the last XXXX hours ( have screenshots of XXXX ) about a security instrument that I don't qualify for. I am considering moving all of my funds to a different company since this incident. I am extremely disappointed with the the way I was treated throughout this entire process as someone who had dedicated faith in the company.
Product: Credit reporting or other personal consumer reports

I have a few items on my account that is charged off with a XXXX balance and it hasn't been removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ) have been violated in relation to the reporting and handling of my account.

Violation of Privacy ( 15 U.S.C. 1681 Section 602 ) : The FCRA, specifically 15 U.S.C. 1681 Section 602, establishes that consumers have a right to privacy regarding their personal financial information. It is my belief that this right has been infringed upon, as the reporting of my account details has not been handled in a manner consistent with the privacy protections provided under the law.

Improper Furnishing of Information ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish any account information without the consumers explicit written instructions. I did not authorize the sharing or reporting of this account, and I request that any unauthorized furnishing of my account information be addressed immediately. 

Violation of Payment Handling ( 15 U.S.C. 1666b ) : According to 15 U.S.C. 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 if the payment was made in a timely manner. I believe that my account has been incorrectly reported as having a late payment, despite compliance with the required payment terms. I request that you correct this reporting error as it violates federal law and unfairly impacts my credit report. 
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 XXXXXX/XX/XXXX I ask that you take immediate action to address these violations by : Removing any inaccurate late payment information from my credit report. 
Ceasing the unauthorized furnishing of my account information. 
Providing written confirmation of the actions taken to correct these violations. 
Failure to address these issues promptly may result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Thank you for your immediate attention to this matter.
Product: Credit card or prepaid card

I applied and got approved for a Wells Fargo Business Platinum credit card that comes with 1 % cashback on purchases. I have not received any of the cashback rewards despite having made over {$2500.00} in purchases on this credit card. I called to fix this issue and never got a call back.
Product: Checking or savings account

I made a purchase from XXXX XXXX for a XXXX XXXX bundle on XX/XX/XXXX. I spoke with an agent online to verify that XXXX XXXX would price match the item, and the agent confirmed that they would price match the sale as long as the order was placed 24 hours after XXXX XXXX was over. The sale price to be matched was from XXXX for XXXX for two controllers, the console and one game ( XXXX XXXX XXXX XXXX ). I placed the order and picked the item up on the XXXX. I did not receive a receipt for the item because the purchase was made online, according to the XXXX XXXX employee. I did not receive a receipt from XXXX XXXX online either, and they have been unable to provide me with a receipt. I checked my checking account information a few days later and noticed that I was charged {$470.00} on XX/XX/XXXX. I contacted Chase and informed them of the issue and they issued me a temporary credit. The issue was resolved until XX/XX/XXXX, when XXXX XXXX sent a receipt to Chase, and Chase recharged my card. I spoke with XXXX XXXX and requested an explanation and they informed me that they would not honor the price match because they have a new policy that they don't price match bundles ( which was not mentioned when I spoke to XXXX XXXX in XXXX ).  XXXX XXXX would also not match any part of the price because the item return/exchange date is XX/XX/XXXX, so they are unable to assist in any way. I have screenshots of the sale price and a transcript of the conversation with the agent that said they would indeed price match the item if I ordered it online. I can also provide the chat transcript, but I have that via email, not a picture.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

Hello, my name is XXXX XXXX, and I would like to formally file a complaint against Plaza Services for breach of contract with all of their clients. 

On XX/XX/2023, I initiated arbitration proceedings against Plaza Services through the XXXX XXXX XXXX ( XXXX ). The case number for my complaint is XXXX. 

XXXX has reported that Plaza Services has failed to comply with the established rules and has a history of not paying the costs of arbitration. 

I have attached a copy of the correspondence I received as proof of my allegations. 

Unfortunately, I have been adversely affected by this situation and am currently experiencing several negative consequences that are impacting both my personal and financial well-being. These consequences include difficulties in obtaining approval for a home, a significant waste of valuable time, increased XXXX  and XXXX, and marital issues arising from my inability to refinance my existing home and purchase a new one for my family.
Product: Credit card or prepaid card

I have had a credit card with XXXX through Comenity for several years and rarely use it. I used the card over XXXX and completely forgot to pay the bill. I went in and paid online the balance ( 1 day late ) not realizing there was a late fee associated with the account. I received a phone call ~ 60 days later saying I was delinquent. I called, fully prepared to pay the late fee, and the late fee associated with the late fee, and close the account. The first representative took care of one late fee and said she couldn't close the account for me and transferred me to a care specialist. This person asked if she took care of the late fee would I not close the account. I said if there's a XXXX balance I won't close the account. She confirmed with me that there was a XXXX balance. Then, on XX/XX/XXXX, I received another collection call, this time for 4 late fees. So now I'm up to {XXXX}, all in late fees and interest associated with the first WAIVED late fee. I was on the call for 45 minutes while they tried to figure it out and was magically disconnected. I called back and was placed on hold, and again, magically disconnected. When I called back a few days later I was told the customer care manager would get back to me, and nothing. Now I'm in collections and can not get anyone at Comenity to speak about my account. I am a loyal XXXX shopper ( even without the card ) and I really think they should be questioning their partnership with Comenity.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXXXXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Account Name : XXXX XXXX XXXX - Date Opened XXXX Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnionXXXX XX/XX/XXXX TransUnion
Product: Checking or savings account

I am filing a complaint regarding SoFi Banks mishandling of my fraud dispute for an unauthorized ACH transaction of {$8800.00} with XXXX XXXX XXXX. SoFi denied my dispute, citing that there were no unauthorized logins and my prior history with the merchant as reasons for denial. However, I had revoked authorization with this merchant and have not done business with them since XX/XX/year>. 

This is an ACH transaction, meaning someone accessed my account using only my account and routing numbersno login credentials would have been required. SoFi Bank has refused to reopen the dispute, despite my providing this clarification. 

Additionally, SoFi Bank failed to comply with XXXX guidelines for ACH disputes. They did not complete a written statement of unauthorized debit, nor did they follow the correct procedures as required by XXXX rules. I have requested that SoFi revisit my dispute and adhere to the regulatory processes, but they have not complied.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union, regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices. Where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Savings account XXXX My Job with XXXX XXXX ended XX/XX/2020 because of covid 19 I explained that to the Bank, that i was covered by the Cares Act, please remove late payment. 

XXXX XXXX XXXX  account XXXX XX/XX/2020 reported late payment., my job was eliminated do to covid 19,  covered by cares act, they would not remove late payment. 

XXXX XXXX  XXXX XXXX account XXXX reported my account late in XX/XX/2020, my job with XXXX XXXX wasa eliminated do to covid 19, covered by the cares act.
Product: Money transfer, virtual currency, or money service

Hello PayPal, I recently processed a transaction with XXXX XXXX, and shortly after, I received a notification stating that my account had been temporarily restricted and there were questions regarding the transaction. 

I made every effort through the resolution center to resolve the restriction, but unfortunately, due to a glitch, I wasn't allowed to complete the steps to appeal in your system, and I had no idea why. 

Anyway, I called your customer service and spoke with the limitations department. While I was on hold, I suddenly received an email stating that my account features had been deactivated. I was quite distressed because my account was newly created, and as such, I hadn't processed any unusual transactions that could lead to these actions. 

Since I can't speak to the same representative again, I'm forced to file this complaint. Please remember, this isn't a complaint but rather a legal way to resolve my issue. 

Also, please note that I used the same documentation to verify my PayPal information on XX/XX/XXXX, and upon reviewing my account documentation, I don't see any issues or discrepancies. If there were any issues with the documentation, I would have been informed on the same day. 

Thank you for your understanding and prompt attention to this matter.
Product: Debt collection

XXXX  Bankrupt cy discharged   XXXX    XXXX  ? - Capit al One called  my home and sent me emails  XXXX / XXXX /  XXXX  ? - Capi tal One left voi cemails at my workplace  XXXX  Cap ital One  l eft two voicem ails at my workplace  XXXX  Ca pital One left two voice mails at my workplace  XXXX  I talked to someone  at Capital One and told  them the debts were covered in bankruptcy. They transferred me to someone who was going to try to collect my debt. The call was never picked up.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXXXXXX 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
Product: Credit card

I am disputing charges made on my XXXX Capital One credit cards for transactions with XXXX. Many of these disputes were denied due to the XXXX dispute window. However, my disputes are based on misrepresentation and deceptive practices by XXXX, which are not constrained by the XXXX window. 

Capital Ones decision to deny my disputes based on a technicality does not address the core issue : the charges resulted from services that were misrepresented, and XXXX failed to provide evidence of fair gameplay and transparency regarding financial transactions ( deposits vs. withdrawals ). Furthermore, ongoing lawsuits against XXXX highlight broader issues of deceptive practices, which should prompt further investigation rather than dismissal due to the timeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Am having A Problem With Experience Credit Report Agency With Something About XXXX Showing On My Experience Consumer Report please help me with this problem XXXX XXXX  Closed My Account Without My Permission And Wont Allow Me To Open Any New Accounts Because Of A Fraud Account From The Pass Showing On My Experian Report Please Help me with this
Product: Credit card or prepaid card

XX/XX/2020 : Received email notification of account balance, which was {$77.00} more than anticipated. 
XX/XX/2020 : Pulled up new statement which had a {$75.00} balance transfer fee of which I was unaware. Called Citibank and was told that there was a 5 % transfer fee on an advance made on XX/XX/2020. I explained that there was no notification of a transfer fee on the transfer check. 
I was transferred to XXXX, Account Manager in the Client Advocacy Unit and was told that the fee was noted on the first page of the letter of qualification ; not on the checks. I indicated that had I known of the fee I would not have requested implementation of transfer check. I then asked if she could send me a copy of the letter, not necessarily my specific letter, but a formatted letter that was sent out - no name, address, or account information on it. Just the form so I could see for myself where the fee notification was stated. She told me to look at the letter which was sent to me. I explained that once I used the check, I shredded the packet, which included the letter and additional checks which I did not use. She said I needed to wait until Marketing sent me another offer-letter packet to read the verbiage. She couldn't tell me when that might be. I requested that she have Marketing just send me a blank packet which was voided. She told me that she could not. I asked her to waive or reduce the fee if I paid the balance off today. She said she could not do that. I asked her to speak to her supervisor and was told that there was no one over her. ( She actually said that! ) I then asked which federal agency regulated her bank and she said I would need to do my own research. She couldn't tell me that.