23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have not supplied XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

n accordance with the Fair Credit Reporting act XXXX  for " XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$4800.00} written off. {$4800.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$4800.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Credit Limit {$5000.00} Highest Balance {$5700.00} TermsNA On Record UntilXX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXXXX StatusPaid, Closed. 
Status UpdatedXX/XX/XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Original Balance {$810.00} Highest Balance {$790.00} TermsNA General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX Account NumberXXXX Account TypeUnsecured ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$13000.00} written off. 
Status UpdatedXX/XX/XXXX Balance {$0.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$25000.00} Highest Balance {$0.00} TermsXXXX  Months General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX XXXX  XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusOpen. 
Status UpdatedXX/XX/XXXX Balance {$11000.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$270.00} Original Balance {$15000.00} Highest Balance {$0.00} TermsXXXX Months XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as  many as apply XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, GA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX NULL NULL XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX   XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX   XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sold an alleged debt not owed by person shown 'responsible for debt ' of {$440.00} generated in XX/XX/XXXX to a company called XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX. The alleged debt was posted to the account with a falsified date of XX/XX/XXXX. 

The debt was disputed and shown to be in error and reported to the FTC. XXXX and XXXX were contacted with cease and desist letters notifying them of Fair Credit Reporting Act, 15 U.S. Code 1681c, and the Oklahoma statute of limitations for debt collection which has shown the alleged owed debt is time barred ( 1295 ( 1 ), and can not legally be posted to the referenced credit report. The falsified debt was removed from account, and XXXX and XXXX stopped contacting for payment. 

XXXX and XXXX then sold the false debt to another company, Credence Resource Manage, XXXX XXXX XXXX, XXXX, MI XXXX, which posted a false date of XX/XX/XXXX of account debt opened. They have attempted collection of a debt which is over 8 years and three months old, and posted an incorrect and falsified date to a credit report, which is a direct violation of federal and state laws. 

This is the second time dealing with this issue, and it continues to be a problem with multiple companies selling off a debt not owed and ruining my credit history, showing me to have bad credit for a debt which isn't owed and doesn't even fall within the legal timeframe for debt collection Since this is the second complaint against XXXX for the same alleged debt, I'm considering suing.
Product: Checking or savings account

I signed up for a Wells Fargo checking account primarily due to a sign-up bonus offered on the account. While achieving milestones to get the sign-up bonus, the company stated that they closed my account, only after I contacted them and my bank card stopped functioning when I was trying to withdraw money from the ATM. 

I can not access my funds from Wells Fargo, was denied help reinstating my account, my funds are inaccessible. Wells Fargo is making a profit off my funds while they are stuck in. my account and inaccessible to me, and is presumably closing my account before I can collect my sign-up bonus.
Product: Debt collection

Received threatening emails and phone calls regarding being served with court documents and a law suit as well as several criminal charges unless I paid them in the next 2 days I believe it to be a scam and didnt know where to turn
Product: Consumer Loan

I have advised this company several times no contact at my employer or references. They disregard my request. On XXXX, I advised a representative of me waiting for my XXXX. I was n't certain on date. My instructions was to follow up on XXXX. Prior to follow-up, they were contacting references. The notes in their system did not match our conversation on XXXX. They did not take proper steps to review the call per my request. I spoke with a XXXX and XXXX that works there as a supervisor and I was verbally abused by both. I spoke with a representatives today prior to XXXX and she accepted the arrangements. He refused to honor previous arrangements and threaten to repossessions my vehicle. I just paid {$700.00} on XXXX. I owe {$140.00} to complete XXXX. My due date is on XXXX of each month.I advised him I will have current by XXXX. I can make {$150.00} a week until current which will be {$600.00} and my payment is {$430.00}. This is ridiculous. I have several emails sent to this company pertaing to the issues discussed. 
XXXX called a 3rd party number after the company was advised not to call. 
XXXX called a number that he was not advised to call that belonged to a 3rd party. 
He was argumentative regarding who answered phone. He was not willing to accept or attempt arrangements on the account when I paid {$700.00} on XXXX. He advised me no auto companies allow their customers to make late payment.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with 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 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 months that are reported late 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 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: Checking or savings account

I opened a Simple account because they were having a bonus. As soon as I transferred XXXX, they locked my account.Their excuse was they can't verify me.I assure you there is no problem verifying me.I 've had all the big banks with no problem whatsoever. I immediately called and sent a message to close this account because I found this very suspicious. That would of cancelled the transfer. They WOULD NOT close it. So they stole XXXX from my XXXX account. That seems very serious to me. If I could file theft I would have. 2 days later they now have my money. I again told them close my account and return my money to XXXX. They WOULD NOT do it. Now i'm forced to send picture id, ss card picture and statements, which I did. They then tell me they can't accept the statements and send a verification letter, which I did. 9 days later my money is still locked. I called up and went off on them cursing, which is the only reason they sent me a message.Now they say the verification letter I sent has a 1 888 # and they want a direct # to a XXXX rep. After a lot of trouble XXXX called them and we did a 3 way call. My money was unlocked and I immediately transferred it back to XXXX. I told them close my account 2 wks ago and they will not close it. So i'm contacting the CFPB not only because I want my account closed but to get this corporation on record. They are locking peoples money once its transferred and using verification as an excuse for whatever scam they are trying to pull. Its very suspicious that they cant verify people AFTER they receive the money. All banks verify people thoroughly BEFORE money is exchanged. Why they will not close accounts is also suspicious. Its not just me. There is 151 complaints on the XXXX about this company that I found, probably a third are the same issue as me.XXXX knows how many more innocent people are being screwed over. These scumbags are locking peoples money for wks, months, i even read a yr. There is something seriously wrong here. If ever a corporation needs investigating, this would be it. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. the list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX  XXXX # XXXX Account name : XXXX # XXXX Accoiunt name : XXXX # XXXX Account name : XXXX Card # XXXX Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX 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 : If also state a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( 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 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a derogatory mark was added on my credit report per XXXX XXXX from Carter Young Inc. and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Product: Debt collection

I continue to get calls from XXXX with Premium Asset Services in California. He calls several times a day from different numbers XXXX and XXXX. I asked his coworker XXXX and XXXX not to call and now they are calling my place of employment speaking to different coworkers threatening wage garnishment when my payment arrangement was not sufficient. XXXX is leaving song tunes at end of messages and derogatory remarks on my home and cell phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  Account Number Beginning XXXX Date Opened : XX/XX/XXXX Status : Charged Off XX/XX/XXXX {$270.00} This card appears on my credit as a charge off. I do not remember having this account and I do not have any invoices for this credit card in my payment files. By the on-line record I had the account since XXXX. 

I disputed with with Experian and received an email stately that the bank considered it a valid debt. However, the bank did not provide me with any collaborating information to help me review this account. I have tried to contact them and can get no one who can tell me anything about this card. I
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to each of the CBs identifying the 'hard inquiries ' that " I did not authorize as well as closed accounts, collection accounts and account reporting derogatory for validation of signatures from me showing the account belongs to me and I 've agreed to their terms. Real credit auto is a big account because they have posted my personal information such as Ssn date of birth and also a person address listed for many these inquires and accounts in question. Experian has recently removed them from my reporting but other CB are still reporting incorrectly. I have also filed an identity theft alert for transunion because of all these hard inquires after my personal information was published. I then filing this complaint asking for assistance with getting the CBs to provide me with proof of their validity and attached the notices that I previously sent and received from the CBs as it related to my claims. Requesting all all reporting be validated with signatures, address and dates from all CB reporting.
Product: Checking or savings account

Ok so pretty much this is with Navy Federal Credit Union. I originally went online to try and reopen an account that I once had over 15 years ago when I served in the XXXX. The reason why is because my current account had been closed through a digital bank without warning for no reason and if there was a reason I wasn't given that reason. I also filed a complaint about that. I did not hear anything from this bank for over six months so I decided to call. The first csr basically tells me because I was married so my last name is different in which I submitted the documents online. But I'm pretty much been given the run around simply to open a checking account and I'm furious it's apparent it's me if it's on my ID IF IM STANDING IN FRONT OF YOU IF IM VERIFYING THINGS ON THE XXXX ACCOUNT. but yet again they are asking to see the documents again. I am a XXXX XXXX so I'm not home during the week and it's super inconvenient for me to have to keep going through freaking rollercoaster rides for a simple account it's XXXX  and I'm sick of it they need to relax their requirements of the person is clearly there and they have already submitted documents they should have to keep repeating the same XXXX thing over and over and you need to tell your csr to make sure they know what they are talking about before they give a potential client or cusomter the XXXX run around. Y'all should be glad people want to bank here
Product: Money transfer, virtual currency, or money service

I have been using cash app for years with no problems. When I logged onto my acnt yesterday I had {$1400.00} in there which is normal. I thought I was missing some transactions so I called Tech support. By the time I was done 4 hours later all my money was gone plus an additional {$490.00} from my linked XXXX XXXX acnt. I have tried everything and money is no where to be found. I spoke to XXXX at XXXX ext 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 ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress the violations.
Product: Credit card

My information was stolen and used ; The company has invalid information and failed to do a proper investigation. This is reporting on my credit report and I want it removed off because its not my account. Im applying for a mortgage.
Product: Debt collection

On XX/XX/year> A Debt Collection Appears On My Credit Report For the Amount of {$1100.00}. From XXXX XXXX XXXX XXXX XXXX  Opened in my name which I did NOT open this account I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint Regarding Unauthorized Dispute on My Husbands XXXX XXXX XXXX XXXX Account I am filing a formal complaint against XXXX, XXXX, and Experian for falsely reporting a dispute on my husbands XXXX XXXX XXXX  credit card account, on which I was an authorized user for years. Neither my husband nor I ever filed a dispute regarding this account, yet on XX/XX/year>, my husband received a letter from XXXX XXXX XXXX  stating that I had been removed from his account due to a dispute they received from the credit bureaus. 

To be absolutely clear : This is not my accountit belongs solely to my husband. I was only listed as an authorized user, and at no point did either of us request a dispute or removal. This action was taken without our knowledge or consent, and it is a direct failure by the credit bureaus to accurately handle consumer data. Additionally, this interference in my husbands financial account violates his privacy and rights. 

To address this matter, I have already filed complaints with : XXXX XXXX XXXX General The Federal Trade Commission ( FTC ) on XX/XX/year> However, immediate action is required from the CFPB to ensure that XXXX, XXXX, and Experian correct their reporting errors and prevent further unauthorized interference in my husbands account. 

Requested Action : XXXX XXXX XXXX XXXX  to confirm that no dispute was ever filed by me or my husband and reinstate me as an authorized user on his account. 
Require XXXX, XXXX, and Experian to immediately correct their records and remove the false dispute notation. 
Investigate this serious mishandling of personal credit data and hold the responsible credit bureaus accountable. 
Ensure stronger compliance measures to prevent such unauthorized actions from happening in the future. 
This ongoing negligence by the credit bureaus is severely impacting my financial standing, and I demand swift corrective action. I appreciate your urgent attention to this matter and look forward to your response.
Product: Credit reporting or other personal consumer reports

NCAC has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. These failures align with my experience, where NCAC has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as NCAC inaction violates federal law and my rights as a consumer. I do not owe anything to National Credit Audit Corporation nor XXXX XXXX XXXX XXXX XXXX. NCAC purchased a bad debit and still want me to pay for what I do not owe. I sent the proof to XXXX XXXX via email on XX/XX/22 after she emailed me where to send the information. After receiving the email I was told that the company is no longer in business and to pay XXXX to settle after she acknowledged that there was a mistake.
Product: Debt collection

This is not my debt debt. I have never been on this debt. They have been harassing my phone and even text me all the details including amounts owed, settlement amounts, account numbers, original creditors, and personal information. XXXX XXXX debt. Illegal to give other people this information, they text it to my phone.
Product: Mortgage

I recently received a notice from Chase Mortgage Company that my escrow account was low and my mortgage payment would be increased to cover the shortfall. When I inspected the escrow account I noticed I was being charged over $ XXXX/year for a " misc '' insurance coverage. Knowing that I made no such insurance commitment, I called Chase to find out and they informed me that the charge was for homeowners insurance with XXXX XXXX XXXX XXXX. Well, I already have such coverage with XXXX 's and called my agent to find out why I pay double for the same service. He was able to tell me that the account number that Chase applied actually belongs to my neighbor. In essence, I have been paying my neighbor 's homeowner 's insurance since XXXX 2015! 
I am concerned that Chase either purposefully tried to sneak money from me using the trusted escrow account or are totally inept at applying correct account numbers. Either way, I am furious, upset, and scared. What if I would never had checked my account? What other sneaky schemes are they using to steal more money from me? How can I ever trust them in the future? My confidence is way low. 
Chase Mortgage Co. bought my mortgage from the company who bought it from my original loan company. Too many exchanges like this is not a good practice and the homeowner has no voice in the matter. I totally dislike Chase.