23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I don't think that JPay is clearly or correctly identifying the possibility of fees for credit cards. They should offer examples and estimates. Even this as a possibility was something I was ignorant about. I have never transferred cash with my credit card and I am confused why this company is seen as a cash transfer which resulted in being charged an addition {$11.00} on my credit card after paying the {$3.00} charge by JPay on a XXXX gift money transfer of {$49.00} to my friend in XXXX. In total, we paid 31 % in fees for this gift.
Product: Debt collection

Had a XXXX XXXX but moved out of the area where the gym was located. Cancelled XXXX XXXX but they continued to bill me and sent it to collections worth {$830.00}. Disputed the collections with XXXX and was completed on XXXX XXXX, XXXX. Item was deleted due to fraudulent charges and change in address and never receiving notification of collection.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XX/XX/XXXXXX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My background check shows that I lived in New York and I have never lived there.
Product: Credit card

I have always ensured timely payments on this account, never letting them become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts belong to twin brother 1.XXXX bank online account charge off account Not My Account 2.XXXX XXXX XXXX  Late Payments, Not My Account 3.XXXX Charge off Not My Account 4.XXXX XXXX XXXX XXXX Not My Account. 
I Recently settled with a XXXX XXXX  bill that was opened in XXXX and closed in XXXX and was later bought XXXX in XXXX placed in the credit bureaus. XXXX  is Notorious for allowing ghost debt to appear on your credit report after the statutory time limit for old/bad debt to reappear on your account even after disputing. ( Collection agencies WINS ) Due to these circumstances after consistently paying my bills on time, My credit score has not reached XXXX keeping in in the mid XXXX XXXX  does not integrity and does not strive to help consumers maintain and keep credit up to date. What debt collectors report XXXX reports, and we as consumers have to go and dispute and wait for responses while credit sits in a derogatory status. I have repeatedly asked transunion and the debt collectors to provide me with the last billing statement and dates, they have not and will not provide the information. I am working on bringing my score up, paying what I owe and keeping credit in great status, however XXXX  refuses to keep credit status up to date and current.
Product: Checking or savings account

I am trying to verify my account thru plaid. And it won't let me log in with my credentials. Saying I have to use acct and routing number. I need to get this think done
Product: Mortgage

I have a construction loan with US Bank and I made my XXXX mortgage payment over the phone on XXXX/XXXX/15 ; the agent who processed the payment told me at the time he went over the payment amount due that the late fee assessed on the account was waived and he was not collecting it and that the {$11.00} fee to pay over the phone was waived as well and he was not collecting. Today XXXX I received a letter from US Bank stating that my XXXX payment has not been received yet, although funds were deducted from my account on XXXX/XXXX/15. I called the construction loan department and after 1 hour on hold to speak to a rep they confirmed my XXXX payment was not in. I asked to speak to a manager and I was transferred to XXXX XXXX who said she was a team lead. She explained the funds I paid on XXXX were received but the system did not apply the amount to the actual XXXX pmt ; she explained they are having issues with their system and the funds were sitting on a " suspense account '' not applied to the XXXX pmt. She also explained the rep who processed the XXXX payment charged me the late fee in the amount of {$68.00} and {$11.00} payment processing fee even when he said he was not going to because those fees were waived. I explained my concerned regarding a 30 day late payment to be reported to the bureaus due to an issue with their system. XXXX XXXX explained that if the late payment was reported in error they were going to have it removed although I am not happy with that because i will have to call the bank, being 3 hrs on hold to get this resolved, get my XXXX credit report, dispute and wait another 4-5 months for a resolution. XXXX XXXX stated she was going to request a credit to be applied to my account to cover that late fee and payment processing fee i should not have paid and that my amount due for XXXX should be {$2100.00} - {$68.00} ( late fee ) - {$11.00} payment processing fee, which is a total of $ XXXX this will be the amount I will be paying for XXXX and I hope not getting any default letters etc from the bank. Regarding the XXXX payment I made the payment before the XXXX thru their bill pay system over the phone and the payment went thru 1.5 months after I made the payment. It appears that US Bank has major problems with their system and should spend some funds in technology. 
XXXX XXXX also explained they deducted from my escrow account {$1900.00} to pay the first half of the 2015 taxes and now I am being responsible to pay an escrow shortage. My close of escrow was XXXX XXXX 2015 and I am not responsible to pay for the taxes due for the XXXX half only a small portion of it from XXXX/XXXX/2015 to XXXX/XXXX/2015 the lender should claim that amount they paid from XXXX/XXXX/2015 to XXXX/XXXX/2015 to the Title company and do not have the consumer pay for something I am not responsible for. Per the county my property was classified as a vacation home on the affidavit of value by the lender and the title company and as a result my taxes are higher. My property is a primary home and should not be classified as a vacation home
Product: Credit card

on XXXX XXXX i paid entire balance on my capital one card and requested to close my account they are not closing my account and are charging me interest as of XXXX XXXX XXXX how do they charge interest on zero balance i called them they were not interested in cooperating with me can you please help me thanks
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

This company is reported to the credit agencies XXXX  and XXXX and tried to collect an XXXX XXXX XXXX debt, violating my rights and the fair credit law .under the fair credit reporting act, agencies can not report a debt that is more than XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX and XXXX we tried to use the XXXX application. We were scamed by a scammer who enter our computer and we transferred around XXXX or XXXXXXXX XXXX  via XXXX and wired. We were not reimbursed, we are out the money. We tried to get Bank of America to get our money back, but it was gone. The scammer took it all. Who knows where it is now.
Product: Payday loan, title loan, or personal loan

This loan is listed as an auto loan. This is not an auto loan and was never related to a vehicle purchase. It only is it reported incorrectly on my credit report, it is over triple the original loan.
Product: Credit card or prepaid card

Bank of America has closed ALL of our accounts including  Checkings/Savings/Credit Card  with out ANY ex planation. When I called them - they said that this information can not be disclosed. All of our reward points are voided, some checks we written out will be cancelled and we will acquire late fees. Our credit report has gone down already.  <P/> After searching the internet - I found MANY similar cases other people  encountered. I smell SCAM.   XXXX   XXXX   XXXX    Please help! This is ridiculous customer service and they call themself - Bank of America!???
Product: Debt collection

I received calls from the firm ROC and API Recovery Solutions claiming to be process servers coming to serve me papers and if I pay them they will stop the law suit. They have called my family and said I am a criminal in a case and they need to get a hold of me. They have claimed to be a " pre-legal '' firm, and then claimed to be a debt collection firm. They give me false names for employees then when I say I spoke to someone by that name they say I am a liar. They route their phone numbers through local numbers to ensure I pick up. They call me a criminal and scammer. They are harassing me, and when I tell them to stop they say 'no '. They are causing me distress and will not leave me alone. 
http : //apirecoverysolutions.comXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXXXXXX 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 XX/XX/2022
Product: Debt collection

LJ Ross Associates Collections told me they verified the account was mine when they purchased it. I contacted credit bureau XXXX and filed a claim. XXXX got back to me and said LJ Ross told them it is my debt they verified. XXXX closed my claim please help. this account was opened in a state i have never lived in.
Product: Credit reporting or other personal consumer reports

I have sent dispute letters to all three bureaus. My XXXX and Transunion report is not reporting accurate information like XXXX. Status is incorrect and showing late for XXXX XXXX. This account was not removed/deleted or updated for XXXX and TransUnion but this account is not showing on XXXX at all. It is also showing different statuses. TranUnion states " 60 days past due '' and XXXX is showing " not more than two payments past due ''. XXXX has deleted this account. I have documents and proof attached showing what I have stated is accurate and that I have sent certified letters. 15 U.S. Code 1681e ( b ) states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

What I am tying to understand is how can a company steal your information and run a vast amount of hard inquires on someone's credit report. I never gave Capitol One written or verbal permission to run 8 hard inquires and then furnish them on my consumer report. I thought as a consumer I had the right to privacy? I also thought furnishing a report in connection with credit or insurance transaction without the consumers consent is against my rights as a consumer? 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

I have not initiated any transaction with Capitol One, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$670.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Product: Checking or savings account

Cant access past and present bank statements on Navys mobile application.Tried talking with their tech support and cant resolve the issue.Inability to access account creates a lot of anxiety because I dont know true balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial Bank response on the XX/XX/2020 to my claim with documents that I have recieve via mail, how ever Ally Financial bank fail to send me full documentations of the ducuments I requested to be provide. I requested a signed contract between my person and Ally Financial, what I receive was a contract that belongs to another company. Also Ally Financial fail to send me the bill statement that shows for how much they sold this account to XXXX XXXX XXXX together with all my CONFIDENTIAL PERSONAL INFORMATION.
Product: Credit reporting or other personal consumer reports

The credit card ending XXXX was opened on XX/XX/XXXX. Due to non-payment the account was charged off on XX/XX/XXXX, with a balance of {$1900.00}. The last payment on the account was on XX/XX/XXXX, in the amount of {$2000.00}, which brought the account to a XXXX balance. The credit card ending XXXX was opened on XX/XX/XXXX. Due to non-payment the account was charged off on XX/XX/XXXX, with a balance of {$1300.00}. The last payment on the account was on XX/XX/XXXX, in the amount of {$1300.00}, which brought the account to a XXXX balance. Both these credit cards still show on my credit report even after 7 years. These accounts charged off on XX/XX/XXXX but the original delinquency that led to the charge off was in XX/XX/XXXX which is when first payment was missed. The original delinquency date is not showing up on the credit report and which is the reason 7 year rule is not applied and removed. According to FCRA the chargeoffs are removed after 7 years from the XXXX delinquency that led to charge off. If you can not remove it update the payment history from XXXX for the both credit cards that way I can work with credit bureau
Product: Debt collection

Debt was not mine - creditor agreed to deletion with account being settled. The account was paid kindly requesting for agreement to be fullied and deleted from credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605 ( b ) ( c ) of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX which lead to identity theft and legally having to change my name. I would like for all listed accounts, names, public record and inquires to be blocked and delete company information of XXXX. Please delete the following accounts, names, public record and inquires : Accounts : Creditor : 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 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 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 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
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 USC 1681. Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I entered into a legal settlement on a credit card debt I had with Regions Bank and completely fulfilled the terms of the settlement paying 100 % of the agreed upon amount. Despite this indisputable fact Regions is showing a " current balance '' of {$5000.00} and this is negatively affecting my credit score. How can I have a " current balance '' on an account that is closed and on an account that has been paid in full based on the terms of a legal settlement. This is vindictive fraud by Regions Bank.
Product: Checking or savings account

A person sent me 2 fraudulent checks of XXXX dollars and they scammed me. This girl first dmed me on XXXX and said she wanted to paint a picture of me and in return I would get some money for it, and she said her client would send me a check to deposit. This person sends me the check on XX/XX/XXXX, and tells me that I dont get to keep all of it and will have to send some of it back. I send it back, which was the XXXX but as a result I got scammed and this person wouldnt stop spamming me and they were threatening me and harassing me to send their money back or they would hurt me and my family, so I just wanted to give their money back, and as a result my account is now XXXX dollars and I am only XXXX. I was crying so much because I didnt know what this person was capable of or doing which is why I just wanted to send them back their money but it was a scam and I shouldve known.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am human being, I have rights under 15 use 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 ; I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  - XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX