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

The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus must modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission. According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate ; I can go on and on. 
The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

Fraudulent account on my credit report ( XXXX XXXXXXXX account number XXXX ). 
I am disappointed that my information has been compromised by identity theft. Im trying to buy a house for me and my family and this has put a serious hole on the process. By the FCRA 15 C 1681G my information should be safe and secure and its not. My information has also been in a breach. According to section 605B of the fair credit reporting act requires consumer reporting agencies to block frozen information on a consumers credit report if that consumer claim it was a result of identity that credit reporting agencies must block the information within four business days from receiving this information.

Fair to respond with deletion of the above reference account and sent out a free copy of my credit report will result in legal actions being taken against your company for which I will also be seeking XXXX per violation for defamation of character, negligence, enablement of identity theft, section 1681EB of the fair credit reporting act.
Product: Payday loan

I borrowed XXXX an they charged me a lot more than what I did borrow the money they take out I really need! It 's crazy!
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX, I disputed my debt with Medical Data Systems Inc through XXXX for an amount of a total of {$4900.00}. It was for one collection of {$560.00} and another for {$4300.00}. My dispute mentioned that I was not informed of this and because of COVID-19 I could not pay. I never received any information after this other than my dispute was true. On XX/XX/XXXX, I called Medical Data Systems Inc and spoke with a representative who also informed me of this debt. I informed her that I did not receive and bill and would need a copy of this bill. She told me to sign up through there website portal to see a bill. Prior to this, I asked her if she would mail me a copy of my bill and she declined saying that was not possible due to my dispute. I then told her I would need a physical copy of my bill to match it with my insurance information to verify and attempt to pay. She declined again informing me that she could not and I could just get the information from my insurance and verify what they did not pay. Being that in the past, I paid towards this same bill to another collection agency ( XXXX XXXX XXXX XXXX ) I wanted to see why this bill was not paid already and what the charges were. The company is still on my credit report causing me problems but can not produce a bill. After my collections was transferred from XXXX XXXX XXXX XXXX XXXX Medical Data Systems Inc. I did not receive a bill and could not verify what I am being charged for. A bill was claimed to be sent in the past but to a wrong address in which is confusing because that was not the address the other agency had on file. If I can not verify this debt I should not be required to pay this debt.
Product: Money transfer, virtual currency, or money service

To Whom it may concern, On XX/XX/XXXX at approximately XXXX XXXX someone fraudulently logged into my Bank of America account and used Bill XXXX XXXX send {$1700.00} to an XXXX XXXX account that is not affiliated to me. I noticed the fraudulent activity later the same day and first notified Bank of America at around XXXX XXXX Bank of America closed their internal investigation related to the activity on XX/XX/XXXX and claimed : The transaction in question was completed using a device that is consistent with previous valid account activity I was given a document with information they used to arrive at that conclusion. That document is attached to this complaint and the IP address associated with the fraudulent login ( XXXX ) geolocates to XXXX, XXXX a city that I have never been to. 

To summarize : An unauthorized individual logged in to my account from a city that I have never been to and then used my account to send {$1700.00} to an XXXX XXXX account that has nothing to do with me. 

I have repeatedly asked Bank of America to provide more evidence in support of their claim that the transaction in question was completed using a device consistent with previous account activity. The document pertaining to their investigation that they did provide me does not support this conclusion. The agents that I have contacted have claimed that my device is infected and have repeatedly asked that I get them scanned. I have already had my phone scanned by XXXX. They have asked me to get my PC scanned at XXXX XXXX but I am a student and have extremely limited funds. Further, because of the timely notice I provided to BoFA, I believe I am protected by 12 CFR Part 1005 Regulation E. Further attempts at resolving the matter directly with BoFA have resulted in hours-long hold times and refusal to reopen the investigation. I am a student and can not afford losing {$1700.00}. I have been scrambling to make ends meet since my money was stolen and hoping that a complaint to the CFPB will help. Thank you and please let me know if I can provide more information. 

Hoping for a speedy resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Contacted the company today XX/XX/2023. 

Was originally put on a payment plan for {$33.00} a month, to pay off my card. Payments apparently ceased a few months ago without notice sent to me. Now my minimum is required to avoid charge off. Attempted to resolve myself but the company is unwilling to make adjustments due to their negligence. Since the payment plan began, I have not missed payments until they stopped the automatic payments.
Product: Credit card or prepaid card

My XXXX XXXX credit card posts charges from PayPal to my account. I do not have a PayPal account, nor have I ever given PayPal my XXXX XXXX credit card number, let alone authorize them to forward charges to my credit card account. When I question a charge both PayPal and XXXX XXXX tell me that I must contact the company making the charge. In a current case, the charging company " XXXX '' has no address or phone number on the Internet. Neither XXXX XXXX nor PayPal can provide either. My Internet search reveals numerous complaints about this company, alleging fraud. 

PayPal forwarded a charge To my XXXX XXXX account from XXXX on XX/XX/2020 in the amount of {$22.00}. This is not the first time that charges have been made through PayPal from unknown companies, but it the first time I have tried to investigate and pursue a complaint. 

I have requested PayPal to stop accepting charges in my name from anyone, but their customer service representative expressed doubt that such could be done. 

I have requested XXXX XXXX to stop accepting charges to my account from PayPal. The only redress they offer is to cancel my current credit card and issue a new one - in 10 days, unless I pay them {$20.00} for faster service. Can consumer protection laws help me in anyway?
Product: Credit card or prepaid card

On XX/XX/2021, I did purchase a product computer for the amount of {$79.00} after the transaction got effect bill come to {$110.00}. I claim the extra payment that got charged to my credit card but it was denied by Paypal on XX/XX/2021. 
Also, I claim that the package I have never received Paypal provide to me the tracking number XXXX and that confirm the package was delivered by the Postal office but not to my address and not under my name because the tracking number provided by the Customer/Paypal does not belong to my address and no to my name.

I asked Paypal and my Syncrohnic bank credit card to refund my money and they refuse to do so.

I have stress, a headache, I get sick and I lose days and hours of work trying to solve this problem also the customer service in both banks treated me badly without compassion, respect, and education. the attitude of the customer service people and the lack of consumer protection forced me to close my account. The abuse of this bank and that of Paypal was more there when I closed my bank account they took away the money that I had earned by making purchases on XXXX. It is not fair that honest and credible people go through abusive actions of this institution such as Paypal. Paypal their service is lousy and their customer service workers are rude, the claims and disputes staff are not interested in solving customer problems. That is why I ask for the full weight of the law and a civil reparation for being the intermediary of scams and fraud to clients.
Product: Credit card

To whom it may concern, I rented a vehicle from XXXXXXXX XXXX XXXX Through XXXX, a third-party purchasing with Navy Federal Credit Card XXXX XXXX XXXX through XX/XX/year>, totaling {$2900.00}. I notified the companies of dispute of charges being unaware that XXXX took payment and then put on hold without charging card. The credit card balances are only {$2000.00} having the money on card every time extended vehicle for rental. There was no disclosure that card will be charge at end of vehicle return leaving my credit card with negative balance and over payment. A dispute with both parties were filed. I also transferred funds to credit card every time extended of rental which will show on billing statement.
Product: Credit card or prepaid card

I have a Discover card that I do not use any more and do not get statements to this card either. My doctor accidentally processed my session on XX/XX/2022 using the incorrect card on file which I was not expecting. I even double checked with my doctor to make sure they used to right CC on file, that CC bill is set up for auto pay and paid in full every month. I got an email from Discover saying my payment was late so I paid my balance from the doctor and asked for the late fee to be removed due to the error. 

They would not remove the 2 fees on the account and said I will continue to accrue interest and late fees until the balance is paid. I closed my account and asked if they could please remove the {$80.00} in fees- as a single mom with XXXX kids, this was not possible for me to budget and I have a long credit history that is great with them. I called them today XX/XX/2022. 

I would like my balance brought to zero because it is just late fees and it will continue to grow every month unless I can get it stopped where it is and then be able to pay it off. Please tell me what my options are to get help. 

Thank you,
Product: Mortgage

Home loan initially went into default and was sold to a debt collection agency. Filed bankruptcy to prevent the foreclosure process. While in bankruptcy, a loan refinance was initiated, filed and approved by the bankruptcy court. Payments for the original loan amount were still being made despite the reduced, approved amount. The closing process lingered for months. Payments were stopped due to such to where the debt collector initiated a foreclosure process. A different bankruptcy attorney was reached out to and a closing was finally initiated. An additional and approximately XXXX XXXX  plus attorney fees were added to the modified loan. The bankruptcy has now been paid off, but the home loan is currently being paid on with the same debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently showing 120-149 days past due, Equifax is currently showing 180 days past due and XXXX  180 days past due ( with 120 days on XXXX and 120 days on XXXX ). Which is not correct, I have provided a document that XXXX XXXX XXXX legal team sent me stating that on a going forward basis reporting to the Credit Agencies ( XXXX, XXXX, Equifax, etc. ) would show up as a Covid protected status. This is a legal document provided by the creditor and for thus has to be honored. XXXX XXXX XXXX has continues to use abusing predatory lending practices by reporting 120 days plus late threatening repossession through an acceleration letter requesting the full amount. XXXX, Equifax and XXXX are at fault by not conducting a thorough investigation and just letting XXXX XXXX report on my credit report 120 days plus late. The report should have a Covid 19 protected status on a going forward basis ; XXXX XXXX did not provide an end date in this letter to me, therefore it should remain in that status as this letter came from their legal department signed by XXXX XXXX Regulatory Compliance and is now a part of the contract on how reporting is conducted.
Product: Checking or savings account

I was upset with Truist over refusing to do a cash advance to transfer funds from my online only bank account like they did every month. Instead they made me use ATM & charged me {$6.00} in fees to my Online only account. I told them if they couldn't refund fees to close my account. I had everything stopped from going through TRUIST. If they hadn't made me go to the ATM and charged the original fees I would have closed my online only checking account and sent all my money to Truist. I forgot to change my XXXXXXXX XXXX so I transferred money to cover it & requested my account be closed. I get a call in XXXX that my account is overdraft because of 2 monthly maintenance fees. 

TRUIST agreed to refund fees told me to call back in 3 days to close account. When I called back, the offshore rep laughed told me they could NOT close my account because I had XXXX cent in my account. I said keep the XXXX, donate it, mail me a check for it, I don't care it's a XXXX just close the account. He refused. I let him know if I received any more fees on this account I would be filing a complaint. So here we are today.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account name XXXX  XXXX  XXXX- account # XXXX XXXX  XXXX- account # XXXX XXXX  XXXX  XXXX  XXXX XXXX account # - XXXX has violated my rights. 

15 U.S.C. 1681section 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$130.00} opened XX/XX/XXXX [ collections ] XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX {$2000.00} [ closed ] in accordance with the fair credit reporting act XXXX  has violated my rights 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information contained in my credit report done by Trans Union on XXXX On XXXX  at XXXX pacific time. I called Trans Union dispute department, spoke with XXXX regarding my Investigation Results. I Asked Why was the information deleted from my credit report? XXXX reports that XXXX XXXX  XXXX reports that I opened an account on XXXX XXXX XXXX  and closed on XXXX XXXX XXXX. She informs me that the " Account DID Not belong to ME. It's Another person 's account that's placed on my report. '' This was not in the Investigation Results that was provided to me. I've requested a full report from Trans Union File Number : XXXX. In the full report it does not inform me that another 's person 's account appeared on my credit report. Today XXXX I called Trans Union dispute department at XXXX pacific time and spoke with XXXX XXXX I requested a full disclosure on this incident. I made it clear that the investigation has been completed and I wanted the information about another person 's account being placed on my credit report. XXXX said that he will have that mailed to me within 7 days. He left me on hold and never came back. At XXXX I am still on hold. minutes later the phone hangs up and line went dead. Trans Union was not transparent with their investigation and providing an accurate report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has XXXX 's last payment as XXXX. 
Transunion has XXXX 's last payment date as XXXX. 
XXXX  has XXXX 's last payment status date of XX/XX/XXXX. 

XXXX  has XXXX 's last payment as XXXX. 
Transunion has XXXX 's last payment as XXXX XXXX  has XXXX 's last payment as XX/XX/XXXX. 

XXXX  has XXXX  's last payment as XXXX. 
Transunion has XXXX  's last payment as XXXX. 
XXXX  has XXXX  's last payment as XX/XX/XXXX. 
XXXX  has XXXX 's last payment as XXXX. 
Transunion has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment as XX/XX/XXXX. 

XXXX  has XXXX XXXX last payment as XXXX Transunion has XXXX XXXX last payment as XXXX. 
XXXX  has XXXX XXXX last payment as XX/XX/XXXX. 


THESE ACCOUNTS APPEAR TO BE FURNISHED BY THE SAME CREDITOR SO WHY IS IT THAT THE DATA THATS PROVIDED IS DIFFERENT ON EACH BUREAU? IT IS THEIR DUTY TO ENSURE THAT ALL INFORMATION PROVIDED IS CONSISTENT AND MOST IMPORTANTLY ACCURATE. HOWEVER THE CREDIT BUREAUS HAVE FAILED TO DO SO. I HAVE CONTACTED EACH BUREAU SEVERAL TIMES ABOUT ERRONEOUS INFORMATION. XXXX  HAS CHOSEN TO BLATANTLY DENY MY REQUEST TO FURTHER INVESTIGATE THE MATTERS.BECAUSE OF THIS APPARENT NEGLECT IN ENSURING THAT EVERYTHING ON MY REPORT IS ACCURATE, CONSISTENT, AND UP TO DATE, I AM HERE AGAIN REQUESTING THAT THESE ERRONEOUS ITEMS BE DELETED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Your company never had my lawful permission to report any experiences or transactions to my consumer report. You did not provide me with XXXX notices required by the FCRA and XXXX XXXX XXXX XXXX. By LAW I was supposed to receive XXXX notice that you may ( not required ) report to my consumer report and another notice giving me the opportunity to sign my signature if I was ok with you reporting to my consumer report. I never received any of these notices from you therefore you must cease and desist reporting to my consumer report until I receive those notices and opt to out notices to sign.
Product: Mortgage

We closed on a loan with agreed upon terms which included refund of escrow in the amount of {$3400.00}, no closing fees, two months deferred payments and lower monthly mortgage. 
Our previous complaint # XXXX. Planet home Lending applied amount to old loan payoff using a document from a previous loan application. My resolve would be a lender credit in the amount of {$3400.00} to cover escrow funds due to close this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter to your company disputing incorrect information on my credit report but they did not correct the erroneous information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report, which they failed to do so. Physical verification was not provided.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation following information on my XXXXTransUnion credut report. 

XXXX XXXX XXXX Balance {$130.00} Balance updated XX/XX/2024 XXXX I paid the account in full, and it should no longer appear on my credit report. I am the victim of identity theft, and I did not open this account. The creditor misreported my account, and all my payments are current and were paid in full. I moved out of this apartment over a year now. 

Please let me know if any additional information is necessary to remove this from my credit reports. 
Thank you
Product: Bank account or service

I applied for a citigold checking account in XXXX with a XXXX XXXX XXXX miles promotion. I have sent several emails to get these miles posted within XXXX months ( XXXX XXXX ). Now it has been over a month since the miles should have been posted to the account. Citi is still taking out a {$30.00} fee every month for maintenance which I would like back as there has been no " service or maintenance '' provided other than secure messages telling me to wait longer. Attached are several XXXX screen shots.
Product: Debt collection

Company is attempting to collect a debt for {$1500.00}. 
I mailed a request to company requesting debt verification, they responded on XX/XX/XXXX with a summary of charges and billing statement. On XX/XX/XXXX, I mailed a 2nd certified letter requesting legitimate debt verification documents including signed contracts to prove the debt is mine. The letter was deliver on XX/XX/XXXX, XXXX. The company has not responded to my 2nd request therefor waiving their rights to collect on this debt as stated in the letter I mailed.
Product: Debt collection

I have been a victim of identity theft and my information has also been involved in many data breaches. The company called XXXX XXXX financial is on my credit report as some type of XXXX XXXX for approximately XXXX dollars. I have never dealt with this company at all and have asked that they remove this from my report.