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

At beginning of XX/XX/2022, I requested of Wells Fargo consumer banking to transfer full value of XXXX XXXX balance to XXXX XXXX in XXXX NJ, XXXX. After initial creation of the check and written request by XXXXXXXX XXXX  for the XXXX processing request, XXXX XXXX still did not receive requested funds in almost one month time.
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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am deeply disappointed by the presence of inaccurate and undocumented information on my credit report. Claims lacking proof of validity, such as delinquency allegations, are unsubstantiated and challenge their reportability. It is imperative, in compliance with federal and state laws, to accurately and completely report allegations without violating regulations. I urge you to ensure factual and correct reporting, as required by the XXXX XXXX reporting standard. Please provide verifiable physical evidence to support the account 's existence and permissible usage. If unable to do so, I insist on its removal from the report. I XXXX authorization for you to send physical documentation of your actions and an updated credit report. 

Your agency is in violation! 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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

Compliant is against XXXX XXXX XXXXXXXX XXXX XXXX managed by Synchrony Bank ) and a Chevron Gas Station located at XXXX XXXX XXXX XXXX, XXXX XXXX, UT. On XX/XX/23 at XXXX XXXX, I stopped at the Chevron Gas Station mentioned-above to put gasoline to my car with credit card also mentioned-above. The total was {$44.00} -- See attached receipt. When I got home later on, I received an alert message that I had a purchase for {$50.00} -- See attached message. I immediately replied saying I did not purchased gas for {$50.00}. It was for {$44.00} -- See attached. No response was ever received to this message, as of today. I also called the credit card customer service immediately to advise I did not purchase anything for {$50.00}. For my surprise, I was told that the {$50.00} was a " Hold '' on my account, in addition to my purchase. I said I usually get a hold for {$1.00} but this is not right to place a Hold for that much, as if I were a criminal. She said the gas station did that. I got so upset and for protection of my account, I asked to close my credit card. The Customer service Rep had an attitude that she did not care about my concerns and processed my request immediately. Please note, I have excellent credit, I have always paid-off my balance on this account as soon as I use it and the balance gets posted, and this Customer Service rep did not care. Basically, she did not value customers like me and my business. The next day, I tried to get of hold of the Manager of the gas station. The call went into the Chevron Call Center. I know what a Hold means and I know it will go away, but my issue was, why me? The whole thing is basically a discrimination issue. I am a US Citizen but with a XXXX background and this is not the first time this has happened to me at a Chevron Gas Station & affiliated gas stations. Over a year ago, it happened to me at a XXXX XXXX XXXX from Chevron in XXXX, UT. I paid with a different credit card. A Hold for {$100.00} was placed in my XXXX Credit Card for putting gasoline of only {$25.00}!!! Like if I were a criminal that would not have a legit credit card. Although I closed my credit card with XXXXSynchrony and XXXX I'll never put gasoline at any of their gas stations, I am writing this complaint to let you know about their illegal or unreasonable " Hold '' amounts ' practices on people like me. You all should investigate this matter. By the way, after I have closed my account, I tried to get into my account and I couldn't, they blocked me out of my account.
Product: Mortgage

I reported months ago to the branch via email that there were issues with the online transaction calculations. I've also found that the interest dates and amounts do not match between the online transaction history and the printed statements, making transaction reconciliation impossible and appearing like I have two different balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance did not comply with the Fair Credit Reporting Act, Section in regards to conducting a reasonable investigation of my dispute against an inaccurate item on my credit file. On XX/XX/XXXX I obtained my annual free credit reports from XXXX. I noticed that Capital One Auto Finance had an account listed about me that is time-barred. The date of opening is incorrect and furthermore I did not authorize Capital One Auto Finance to report this account on my credit file. I called Capital One Auto Finance on or about XX/XX/XXXX to ask them to delete the account because it is too old to be listed on my credit file. I was informed that they could not delete accounts from my credit file that only the credit bureaus could do that. I then contacted the three credit bureaus, XXXX  XXXX and XXXX via USPS Certified Registered Return Receipt to inform them of the inaccurate credit listing and to delete the account. All three  credit bureaus wrote back to me stating that Capital One Auto Finance verified that the information about the account was accurate and that it would remain on my account. I am distressed that Capital One Auto Finance continues to break Federal and State laws by not conducting reasonable investigations to my credit file when I ask them to which caused damage to my reputation, my credit score and causing me lost opportunities to seek credit. The account I am referring to is : Capital One Auto Finance # XXXX This Account is too old to be on my credit file. The opening date of this account is incorrect. There is no contract for this account. I did not authorize this account to be on my credit file.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chagreoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

Kickoff is reporting to all three credit bureaus that my account is in the negative. I have not used Kickoff since XXXX when it was fully paid off. That is causing me to have a low credit score and I am being denied for loans that I need.
Product: Mortgage

On XX/XX/2021, I sent the attached letter ( Qualified Written Request " QWR '' ) to Shellpoint Mortgage Servicing which was completely ignored. Under the law, Shellpoint was required under Section 6 ( e ) of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), to confirm receipt of the letter within five ( 5 ) business days and respond with an answer within thirty ( 30 ) business days.

To date Shellpoint has not responded.

Today I sent a second ( 2nd ) letter to XXXX XXXX, the COE of Shellpoint Mortgage via XXXX. ( see attached letter dated XX/XX/2021 )
Product: Mortgage

Re Select Portfolio Service , Inc. ( " SPS '' ) Account XXXX : This account has a TOTAL mortgage payment due each month for principal and interest in the amount of {$7.00}, XXXX for XX/XX/XXXX. While SPS states that there is a monthly " mortgage shortage '' of {$2.00}, XXXX due for XX/XX/XXXX, the account is not escrowed. The payment of {$2900.00} is a payment for an advance paid for real property taxes by SPS ' predecessor XXXX XXXX XXXX XXXX XXXX ( last advance made in XX/XX/XXXX. ) On XX/XX/XXXX, I sent NOTICE OF ERROR to SPS stating the following : " On XX/XX/XXXX, SPS received a mortgage payment in the amount of {$7200.00} for oayment due date of XX/XX/XXXX. Based thereon, a demand is made that said mortgage payment get applied as is required by law. Any purported " escrow account '' shortage of {$2900.00} is discretionary pursuant to the applicable law attached hereto as there is no " escrow '' account in effect. As such, SPS does not have the legal right to delay the application of the payment for mortgage due for XX/XX/XXXX which is {$7200.00}. The remaining amount of {$1.00} ( balance after mortgage is deducted from the {$7200.00} payment ) is discretionary, and to be applied to shortage resulting from advance made by SPS, accordingly. '' To this date, SPS has refused to apply the full mortgage payment received on XX/XX/XXXX for the month of XX/XX/XXXX. 

Finally, previously in XXXX and XXXX, I have advised SPS that there is no escrow account for this mortgage account and, therefore, the requested reimbursement for advance made by XXXX can not be treated as escrow account shortage and, therefore, can not be collected as part of the monthly mortgage payment. Attached is all of the necessary paperwork showing that this mortgage account does not have an escrow account and, yet, such is not properly reflected on the mortgage statements or related paperwork.
Product: Credit card or prepaid card

Years ago I was applying for a loan at another bank and found out that Bank of America had opened a credit card in my name and it was on my credit. I had no knowledge of this card prior to that. I contacted BOA and they apologized and swiftly closed the account. I do not remember specific dates but after reading the article about their illegal practices, I realized they'd done the same to me in the past.
Product: Student loan

XXXX   XXXX   XXXX   processed a private student loan request that is now being serviced by Navient. I did not authorize said loan to be processed and in fact was under the impression that the only student loans processed were Federal Student Loans.
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After finding out there were in fact private loans processed, I entered a rehabilitation program through Pioneer that promised to clear the debt within a short time frame. According to the online records I was able to obtain, none of those payments I agreed to with Pioneer have been adequately applied to the account, nor did those payments remove the erroneous default reporting that Navient has been continuously reporting.
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I am very   XXXX   about the negative reporting as well as the enormous accumulation of interest that has been applied to a previously {$18000.00} loan, which now shows over {$50000.00} in debt due.
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I believe the CFPB would agree that the Pioneer and Navient are credit predators and through deception extended a loan without my knowledge, and went further to add egregious amount of interest that is an unbearable amount.
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In addition to the aforementioned,   XXXX   XXXX   XXXX   is a closing school and has also lost its accredidation. Further details of the events of this school can be found in the " Borrower 's Defense to Repayment '' I attached to this complaint and that was submitted to the Department of Education regarding the federal loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on having my credit reports updated and corrected for months. Ive sent multiple letters starting the beginning of the year. To please have All inaccurate and unverifiable information removed off my credit reports, I have not been updated or notified, please remove all information or I will have to file for litigation,
Product: Debt collection

XXXX a call from someone stating a process server was coming by. Nothing. XXXX same thing but got a telephone number, but both are not owned by XXXX XXXX They say it is a credit card debt for {$7700.00} from XX/XX/2003 and I signed a waiver to waive credit write off to a Providian Bank now owned by Chase Bank who has no record. XXXX at XXXX (? ) Says I can either settle in court which is in a different county where the complaint was issued and my home. The addresses given where I once lived are wrong in dates. Was going to send email with information and today wouldn't give a private investigator 's name nor number. He kept saying their will be a lien on the house.
Product: Checking or savings account

From XX/XX/XXXX to XXXX XXXX I online dated this person mentioned below. His name was XXXX XXXX  XXXX or XXXX XXXX. : His most recent mobile number that I sent numerous texting messages to was as follows : XXXX XXXX XXXX XXXX. 
XXXX XXXX  XXXX - Outdated Mobile ( XXXX ) XXXX XXXX XXXX  XXXX -another old disconnected mobile number ( XXXX ) XXXX XX/XX/XXXX, XXXX I remained in the relationship with XXXX XXXX and was scammed by him ; XXXX XXXX XXXX never met him either, but he said he was XXXX XXXX XXXX PERSONAL stockbroker ), was the person that got my information and when he sent the checks that he ordered checks ( 2 times ) ( fraudulent conveyance ) on an account he created with my name on it ( so he says ) at the PNC Bank XXXX I never received any of this money, nor cashed any of the checks, although I tried the online bank declined me for Deposit that would have covered my tuition, books, incidentals of {$19000.00}. but the PNC Checking account # was XXXX for one account ; XXXX XXXX - Mobile # XXXX XXXX XXXX XXXX and it was PNC # XXXX XXXX Routing # XXXX XXXX, for the other account. 
XX/XX/XXXX - I received an invoice from XXXX, in the amount of {$28.00}. 
We were dating, so I asked him to pay my tuition for XXXX XXXX, which I have been attending since XXXX, but switched the school I was originally attending because I could not afford to pay such steep fees. 
I attended XXXX from XXXX to XXXX and was paying to finance it. 
I am now attending XXXX since XXXX - Present. 
Therefore, I asked the aforementioned boyfriend whom I never met to fund my tuition, so he said OK, that he would be willing to it. Therefore that's what I believed he was doing the PNC money for my tuition. But now I believe he was not real all those months and days, ane year that has passed, I now believe that he was a fictitious and fake person, that made up his identity. He set up an account and had checks mailed to me, of which I shredded, afraid to use them because I was being scammed, and had been issued fake checks to go to prison.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody has to see that something fishy is going on with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been told that this 5othe XXXX   XXXX on XXXX XXXX in XXXX XXXX Fl the money was given to a teller named XXXX. This debt was paid in full this is the last change to remove this from my credit reports before I sue the reporting companies and XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I noticed that someone had used my debit card to purchase XXXX  worth of stuff from the merchant XXXX  in one single day. I have fraud alerts set up on my account and none of the transactions that day were sent to me via text for verification. On XX/XX/2022 Well Fargo issued a provisional credit to my account for the full amount above. Today, XX/XX/2022, the provisional credit was reversed and Wells Fargo is deeming the transactions as authorized. The merchant, XXXX, says they believe the transactions were made by me because my ID was on file but I have no idea how this is possible because I have never opened an account with them. I didnt hear anything from Wells Fargo and then today i get an email saying my account is negative. Makes no sense at all
Product: Mortgage

CFPB, I received a letter that they needed evidence of flood insurance. I sent them the information to the email they requested. They sent me another letter stating they were going to place flood insurance that is thousands of dollars. I sent them the flood policy again to the address they requested and asked them to confirm receipt. 
They never respond and I am concerned they are going to force place expensive flood insurance when I sent them evidence twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

date opened XX/XX/XXXX XXXX XXXX XXXX I have filed a complaint with FTC XXXX and South Carolina Department of Consumer affairs. Ive sent paperwork and documentation to Equifax and haven't heard anything. They are ignoring me and this started XX/XX/XXXX and still heard nothing
Product: Debt collection

Today XX/XX/XXXX I received information from my bank that New Century Financial has frozen my XXXX  XXXX XXXX Account. So there is a levy on my account and my balance is XXXX. 

I have not received any court order or any notification from neither the court or the collection agency to give me a chance to respond or try to fix or settle this matter. 

I need help to stop this levy on my bank account and settle this issue if possible, although I was told by the court clerk that it has been since XX/XX/XXXX which I don't recall.