23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/XXXX I was given a credit notification that this company put an account in collections, I have no idea what this bill is. I haven't gone to a hospital in over 4 years. If I did this company never tried to contact me by mail or phone, Never gave a chance to resolve it or dispute it until now when my credit took a hit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are showing my old child support account that first went delinquent back in XX/XX/2010. I have called them and told them this is an old account but they keep telling me that the account is only showing as delinquent for the prior month. I dont know if they keep removing the previous years and re-adding it or what. The debt is over 7 years old and should be removed from my account.
Product: Credit card or prepaid card

I was buying an international airplane tickets through XXXX XXXX, when I was about to pay my tickets a promotion was showing at the end " save {$250.00} and earn 40,000 miles when you get an XXXX XXXX, apply now ''. I proceeded to apply and lead me to another page, when I applied, I was approved " Congratulations ... you have XXXX '' but then an email was sent to me that I would received the card between 7 to 10 business days. Which means I can't use the card to pay my tickets at the end, usually at any store when you get a new cc you can apply your purchase to the new credit card immediately but it wasn't the case with XXXX Citi bank for my XXXX XXXX. I called XXXX XXXX and explained what happened, their answer was " is not on us there is nothing we can do about it, you ave to call Citi Bank cc. When I called CitiBank, they said " you have to wait till you receive the actual card to make your purchase ''. Now, the hold for an airplane ticket in XXXX XXXX is 24 hours only, impossible for me to pay these tickets with a credit card that will arrive in 7 to 10 business days. I hope you are able to understand my history, it seems to me that XXXX XXXX and Citi bank are playing with the customers, inciting us to apply for a credit card with the misleading promise that will apply a discount and provide us millages immediately. I believe this is an unfair business practices, and should be review it by the GOV. Thank you very much for your time and hope you can look after us. Applying to a credit card is expensive, then is not fair to be plaid by these kind of wrong practices.
Product: Money transfer, virtual currency, or money service

I was locked out of my chime account for over 3 months, chime customer service representative failed to help me back into my account several months went by I finally got a hold of some help when I logged back in I seen numerous of unauthorized transactions XXXX filed a dispute for all items explained why I was filing the dispute for them to turn around and deny my dispute without and explanation or final dispute report.
Product: Credit card or prepaid card

Ever since. I had XXXX in XXXX, other health issues have been causing problems with me paying. I have sometimes been able to at least make XXXX dollar payment which is under the limit. Victoria Secret Credit card company which is used by Comenity Bank first offered help if I had Covid ( I have documents from XXXX XXXX in mn confirming this ) about me being sick and then the further detestation of my health. However when I would call and ask about the help, agents. Would say that it wasnt true, even though I received letters and text messages saying they could. However this month every day I have anywhere from 5 or more calls from them daily including ones in a row which I know is against regulations
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. They have failed to comply with investigations.
Product: Mortgage

Home Bridge is reporting a 30 day late to my credit report. They have admitted that they were wrong in charging me this late fee and sent me a letter saying that they would refund the late fee that I was charged. That was back in XXXX and they still have yet to send me the refund. 

Furthermore they can not say that they will send a refund for the late payment and continue to post a 30 day late to my reports. This company is terrible to work with and I have been trying to be routed to the correct person to fix this since it happen back in XXXX of this year. They are damaging me by report this loan inaccurately.
Product: Checking or savings account

My bank BBVA charges a extended overdraft fee when the account is negative for a week I dont see any other bank doing this but BBVA I am pretty sure this is Reg E compliance
Product: Checking or savings account

I opened accounts, I try to access the account but it says unavailable. Then try to start new account. It then says you have an active account. With XXXX  accounts, it was said I had suspicious activity.
Product: Credit reporting or other personal consumer reports

I lived at XXXX XXXX XXXX XXXX  during 2022. At move in, I gave the complex the list of damages and detailed comments regarding my apartment and what I see, so documentation was noted and I would not be help accountable for previous damages. These damages included holes in the drywall, stains on the carpet, cable wiring damaged, scuff marks on the wall, and discoloration and markings on celling and wall. At move out, I had broken my ankle, and was in a boot, unable to walk. I informed the apartment complex of this, and explained that trash and boxes were a concern, so I would be expecting some kind of charge at move out. I received a statement 2 months after moving out of XXXX XXXX XXXX XXXX  with several charges that did not make sense and I believed were untrue. I requested an itemized invoice, copy of my ledger, and photos as proof. This was never sent to me. After speaking with a property manage, I was informed this would be corrected and fixed. This issue has yet to be corrected. 

The company then reached out, unable to provide any help. I requested statements, any information to show more details on balance owed. The company failed to do so. I follow up on the issue twice. I saw from previous complaint, as courtesy Procollect will extend a settlement for the amount of {$940.00}. I attempted to get the requested infomation prior to this, but the company failed to do so. This is now effecting my tenant screenings. When speaking wirh the company, employers are very rude and unkind. This has made it very difficult in getting answers to my questions.
Product: Vehicle loan or lease

Early in the loan payment schedule with Wells Fargo Dealer Services for my 2012 XXXX, I applied for payments in the amount of about {$260.00} to be automatically debited from my account. I triple checked that information for the company to respond to my request was accurate and checked that it provided and the right information so that they would not have any problems automatically taking the funds out of my account I repeatedly did this. In the many months since, not one payment has been automatically debited. The company unfortunately can not properly service the loan account. I would like my funds to be remitted and for the loan itself to be canceled.
Product: Credit reporting or other personal consumer reports

My privacy is being violated by XXXX, XXXX & EQUIFAX, these company 's are reporting personal information, accounts, and one inquiry that is reporting inaccurately on my consumer report, this is identity fraud as I the consumer, did not consent. In pursuant to 15 USC 1681b2 these company 's are violating my privacy rights and consumer rights. In addition, XXXX, XXXX & EQUIFAX are also reporting late payments, on my consumer report accounts violating 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ). Also, after further investigating further it looks like XXXX, XXXX & EQUIFAX deleted accounts off my consumer report, claimed to have done a proper investigation and then reinserted the deleted accounts back on consumer report resulting in even more discrimination. This is a violation of 15 USC 1681a ( e ) as these company 's do not have any right to perform an investigation. and violated my rights are the consumer and natural person, as I did not verify the accuracy of these items 15 USC 1681 i ( 5 ) B ( i )
Product: Debt collection

Portfolio Recovery Associates , LLC ( PRA ) investigated your complaint. We will continue to honor your attorneys notice of representation regarding the PRA account ending in XXXX. 

Then this account needs to be removed immediately based off the settlement this account should have been removed from my credit reports within 45 days of the settlement. this was settled through a court proceeding, so why are you still reporting this account which by law and order of the Judge it should have been removed within 45 days. I will also send this to the court and my lawyer to show proof that you have failed to follow a court order. See attached document that shows proof this account should have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/2020
Product: Payday loan, title loan, or personal loan

I am a beneficiary on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the trust it stipulates that I can have a XXXX interest loan for {$30000.00} provided I provide collateral. I pledged my home and or a car title as collateral. XXXX XXXX and her boss XXXX XXXX said that they would have to charge me interest so the bank could make money on the deal. I said no it stipulates in the trust a XXXX interest loan. Because of this I was denied the loan. This is not right because my Grandfather stipulated that if we ever needed to take a loan out it would be at XXXX interest. I would like to see this rectified. Thank you in advance. 
Regards, XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX I bought a Flight Ticket  on Jet Blue airlines for my cousin XXXX XXXX, XXXX XXXX and was paid with my XXXX XXXX XXXX card ending XXXX when my cousin was unable to flights on that day I try to change the flight date online on XX/XX/XXXX I was unable to completed until they force me the acceptance of a credit card from BARCLAYS BANK , but the flight was already paid from my XXXX XXXX credit card. I received this credit card that was never accepted by me, and they want to collect the money from me from a flight that was paid in full on XX/XX/XXXX telling me that this payment was save for future in Jet Blue Banking. I did not active this new credit card that I don't need or requested. I have the stamen from my XXXX XXXX to provide and an Email copy of XX/XX/XXXX when they informed me that they their credit card but my fligth was already paid.
Product: Credit reporting

I requested my credit report thru XXXX. After filling out the info and answering the security questions, XXXX report did show up. I went to save and print and it kicked me off the page and said I needed to request by mail or phone. The next report, XXXX, said they could not process my request and to send them copies of my social, Drivers license, mort papers, utility bills, etc. Are you kidding me? I am not sending my personal info in the mail like that, that is how identities get stolen. I am completely shocked this credit agency would ask me to send these things, especially when they know this info already. Needless to say I did not get a single report and now have to wait 12 months to request another XXXX unless I pay.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency has failed in their obligation to limit the reporting on a consumers consumer report in the purposes listed under section 1681b.

The law states 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

I have asked for verifiable documentation of permissible purpose as stated in 15 U.S.C. 1681b and they failed to provide me with such documentation.

The law states if no such documentation can be provided all accounts listed below must be deleted if such documentation cant be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX
Product: Mortgage

Cold well banker is refuse me as it onwer .the management team .XXXX XXXX  XXXXphone number is XXXX. Refuse me decrimantion .call me XXXX. And I am not. A member of a XXXX  XXXX  a private group .all of this is illegal. He can not decrimantion on me. With this and refuse me my birth certificate rights... ..this is also I'd fraud. Who is take my place it is not me.. Coldwell banker and XXXX XXXX XXXX and XXXX XXXX, XXXX iXXXX XXXXXXXX XXXX XXXX. I am soppose to be a employee .onto said release date says for me too own it .owner and CEO .I believe all of this is past due .my employee pay ckeck is past due sense XXXX. And now my owner ship deed is past due sense XXXX. The IRS is say I owe taxes sense XXXX on this said business ... ..I got XXXX XXXX .also take from me a nother business with this business please share all this information with the other said businesses .too same stuff on them too. Filed in XXXX public contract. On the tittle address XXXX XXXX XXXXXXXX XXXX ga, and XXXX XXXX XXXX XXXX ga, ... ... ..I am owner and co owner of all said information on both these addresses in XXXX .look. At tittle good. All the information in this text spill me out as a XXXX XXXX or XXXX  XXXX. A employee .and it rolls over too owner XXXX XXXXXXXX. I have completed all the time old deceased owner XXXX XXXX XXXX, requested for me too do .sense XXXX. I have been in the ghetto for XXXX years .I have did the time .I do not want too do no more time in the ghetto .it is a panic pamdamic in the ghetto .it a mess out here XXXX and etc is going on all day .. please stop steeling from me XXXXstop give my personal principal address too someone else. Give me everything the contract is say from XXXX up too XXXX of XXXX. Bank account and Corp deeds. ... ... this is a ownership of the business complaint Coldwell banker etc.al..
Product: Credit reporting or other personal consumer reports

I never received a 1099c cancellation of debt forum. Account name-XXXX XXXX  XXXX is showing up as a charge off on my credit report with late payments. That makes this account inaccurate and it needs to be removed immediately
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to bring to your attention an issue I recently encountered with my Chase checking account, which requires your prompt attention and resolution. 

On Thursday, XX/XX/2023, I utilized my Chase checking account to transfer {$110.00} to a friend through XXXX ( Chase Quick Pay ). To my dismay, I discovered on Friday, XX/XX/2023, that two separate transactions of {$110.00} were processed and sent to my friend via XXXX, despite the fact that I only authorized a single payment. It was evident that a duplicate transaction had occurred without my consent or intention. 

In light of this error, I would like to acknowledge Chase bank 's efforts to rectify the situation. On Saturday, XX/XX/2023, I observed that the duplicated transaction of {$110.00} had been reversed from my Chase checking account. While I appreciate the swift resolution, I believe it is imperative to report this incident to the Consumer Financial Protection Bureau ( CFPB ). My objective in doing so is to prevent similar instances from happening in the future, especially when individuals are making important payments such as rent. 

I kindly request your assistance in thoroughly investigating this matter and ensuring that appropriate measures are taken to prevent the recurrence of such errors. It is essential to maintain the integrity and reliability of banking transactions, safeguarding the interests of customers like myself. 

Please acknowledge receipt of this complaint promptly and provide me with an update on the actions taken to address this issue. I trust that Chase bank, being a reputable financial institution, will handle this matter efficiently and with the highest level of professionalism. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

I would like to know whats on my report that would stop me from writing insurance with XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) as well as Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On Friday XX/XX/2023, as I was at work in XXXX GA, I received a text message from who I thought was my bank 's ( Chime ) fraud department alerting me someone was trying to use my card out of state. The message asked to verify if I had authorized those transactions, and I replied no. This message was identical to text messages I have received from my bank. However, I have never had to respond in the negative. So I received a phone call from someone claiming to be from Chime 's fraud department taking me through the steps to freeze my account and get new cards since someone had gotten access to my information. In this process they had me reset my password with a temporary provided password and said I would be locked out of my account for XXXX hours as a safety precaution. This is when I started to get a little suspicious. Before I had gotten off the phone, I received an email that my bank card was added to XXXX XXXX. I don't have a XXXX device. At this point, I got off the phone and called Chime directly to see if they had called me. They confirmed that they did not try to call me. I reset my password again and logged back in to find that the scammers had made {$1600.00} in XXXX transactions in purchases in XXXX, XXXX, and XXXX Florida between XXXX and XXXX pm. I would like to note here that I left work in XXXX GA just before XXXX, which is about a XXXX XXXX XXXX from XXXX. I have since made XXXX disputes with the bank and filed a police report. The bank made a split decision and has refunded {$410.00} to date. The investigation team at the bank has stated that they found no error occurred in the other transactions.
Product: Credit reporting or other personal consumer reports

I paid my credit card balances in full and on time and paid my monthly mortgage paid in full and on time. XXXX, Transunion and XXXX dropped my credit score by 1-2 points. Every month I pay in full and on time my credit score is reduced.
Product: Credit reporting or other personal consumer reports

Experian failed to fulfill its legal obligation under the Fair Credit Reporting Act FCRA to conduct a resonable reinvestigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The Consumer Financial Protection Bureau CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to funishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

XXXX XXXX XXXX began calling my office in XXXX XXXX looking for someone with a name similar to mine. I informed them that I was not the person they were looking for. Subsequently, I had missed calls from them each month thereafter until XXXX XXXX, XXXX, when I again spoke to them. I again verified that I was not the person they were looking for, and verified that the birthdate and other personal information they had on file was not mine. I asked them to remove my work information from their records and cease any further attempts to contact me regarding this collection. 

On XXXX XXXX, they submitted an Order of Withholding from Earnings to my employer, claiming that I owed {$23000.00} for a default student loan. 

The debtor 's home address and social security number listed in the order are not mine. 

I wish to file a formal complaint against : XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

XX/XX/27 I deposited a check a week later they froze my account. Id expired due to long immigration restrictions thats going on. They are not allowing me to access any of my funds to pay my bills no one can help you the bankers are rude and they dont even try to find a solution to try others to help you