23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I called genesis card services becuase my destiny XXXX was lost/stolen, I was told they'd send a new card I never recieved it, so I called back I was assured i wouldn't need to make a payment until new card arrived and they issued a new card, it's now been 3 weeks and I haven't received it, I can't access the account to pay it without the new card and I called and they say u have to pay a late fee and they can't remove it even tho I can't access the account to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for credit and was denied. I then pulled my credit reports and found several accounts between XXXX and XXXX that were not mine. The first thing I did was file an FTC report and a police report. I contacted each credit bureau via their online dispute centers and disputed the identity theft items with my police report and FTC report. 

XXXX sent me an affidavit to fill out and have notorized, which I did withint 3 days of receiving it. However, XXXX verified the information as accurate before they received my notarized affidavit. When I check on my dispute with XXXX they show no record of it. I filed another dispute with my police report, identity theft report, and notarized identity theft affidavit. 

XXXX 's portall did not let me upload documents so I sent them via certified mail on XX/XX/XXXX and XX/XX/XXXX. At this time XXXX has verified the items as accurate despite my police report, FTC report, and affidavit. 

Experian did not let me submit an online dispute and seemed to be having technical issues. I sent my dispute, police report, and FTC report via certified mail on XX/XX/XXXX and sent my notarized affidavit on XX/XX/XXXX. 

I have also contacted each creditor with the same documents but the remaining 5 accounts refuse to remove the fraudulent accounts. Two state a payment was made to open the account but my bank account was also compromised at that time. The accounts remaing on my credit reports are : XXXX. XXXX XXXX  - Account also reported by XXXX XXXX XXXX XXXX. XXXX XXXX - Also reported by XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX. XXXX XXXX XXXX XXXX - Also reported by XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also reported by XXXXXXXX XXXX XXXX XXXX XXXX. I have a current account with XXXX XXXX opened in XXXX The identity theft occured while I had a family member living with me. This family member has been removed from my home. After he was removed I was forced to close my XXXX XXXX member account and open a new one because someone had access to my online account and transfered several thousand dollars to a person that I don't know. The person returned the money through his bank after realizing it was sent to him fraudulently by someone pretending to offer him a job. All identity theft accounts opened were likely linked to that account.
Product: Credit reporting or other personal consumer reports

My rights have been violated I did not give written instructions for these accounts to be place on my credit report REMOVE IMMEDIATELY THIS IS A Violation ALSO. THESE ACCOUNTS ARE Reporting on my credit inaccurate information on my Credit report 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

I had an old debt of XXXX dollars with Wells Fargo XXXX XXXX XXXX # # # # # # # XXXX I called them to resolve this issue & they offered me XXXX payments @ {$560.00} per month to settle the account with a zero balance. I paid as agreed {$3300.00} ... wells fargo then went back on their word & reported incorrect information to the Credit Bureau I had been monitoring my credit report each month & they were reporting as paid as agreed each month. After I paid the said amount of {$3300.00} the went back and reported as CO= charge off not paid with XXXX balance ... I called XXXX on XX/XX/XXXX@XXXX talked to XXXX. explained as it reads above. I was told they would research phone conversations & return my call within 48 hrs. That did not happen. I called them back on XXXX @ XXXX I was told they were still researching info. No call was returned from wells fargo to me during this time frame. I called them back on XX/XX/XXXX @ XXXXXXXX XXXX   asked to speak with a supervisor spoke with XXXX XXXX & was told they were still looking for phone data @ that point I asked to speak to his supervisor spoke with XXXX. was told same thing still researching for phone data, went to next level of supervisor XXXX XXXX on XX/XX/XXXX XXXX was told again they were still trying to find phone data. called her supervisor XXXX XXXX & still getting the deception run around excess as to they are having trouble getting data. 
My complaint is based off of Wells Fargo is the one who offered me the reduced rate ... with a zero balance paid in full. Now they are incorrect reporting on my credit report & are using the excess of phone data no to report to credit reporting services .Wells Fargo deceptive business practice has cost me to miss closing date on home for my family .... Thank you Wells Fargo case # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX Bank XXXX XXXX XXXX Old XXXX XXXX, NY XXXX Subject : Debt Validation Request Pursuant to XXXX U.S.C. XXXX Dear XXXX BANK, I am writing to formally request validation of the alleged debt referenced in your communication dated XX/XX/XXXX ( Account # XXXX ). Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide the following information regarding this debt before I take any further action : 1 Complete Account Information The name and address of the original creditor. 
The full account number associated with this debt. 
The date the debt was incurred and a full itemization of the balance, including principal, interest, and any fees added. 
2 Legal Proof of Debt Ownership A copy of the original contract or agreement bearing my signature, if applicable.

Documentation proving that you have the legal right to collect this debt.

A copy of the Forward Flow Agreement or any similar contract that outlines the transfer, sale, or assignment of the alleged debt to your agency.

3 Verification of Collection Authority Proof that your agency is licensed to collect debts in my state. 
The name of your agencys registered agent and the agencys licensing details. 
Until I receive the requested documentation, I do not acknowledge or accept responsibility for this alleged debt. Furthermore, I request that all collection activities, including reporting to credit bureaus, cease until proper validation is provided. 
If you fail to provide the requested information within 30 days, I will consider this matter resolved and expect no further communication regarding this debt. Please send all correspondence in writing to the address listed above. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I am filing a complaint on Bank of America cause I have had an ongoing dispute on some fraud charges done to my corporate card for XXXX XXXX XXXX. They have denied my fraud claim on grounds that are not valid. They have requested me to explain to them details of the claim that I have no recollection on because of the length of the charges I have explained to them on several occasions that I do not recall and they continue to insist on my giving them dates that I do not recall events on. After going through responses on the paperwork they have sent in response to several complaints filed I have filed a police report with the XXXX XXXX sherrif. I did request a card and activated the card before changing my number XXXX to XXXX and the charges started days later on the account. They claim I made phone calls verifying charges XX/XX/XXXX and XX/XX/XXXX but that was not me. They claim that my Drivers license was provided and I did not have any type of communication with them during those dates. I am providing them with a copy of the police report and requesting my right with the fair and accurate credit transactions act to reconsider my claim. They have removed monies from my checking accounts with them to pay for charges that are fraudulent and this is not something that I will be letting go even if it needs to go in front of a judge in civil court.
Product: Debt collection

On XX/XX/scrub>3/20 Portofolio Recovery has called my number. Before identifying who I was, they asked is your birthdate MM-DD-YY, and I shared that they just gave out my birthdate without confirming who I was. 

I have asked this company to take me to court and to stop calling me. If I owe them any monies they can proceed with legal action They wish to continue to call and call and call.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I sent a money transfer to a friend of mine in XXXX. I lived in XXXX XXXX for 4 years and I have friends there still so this was not a scam transaction. Then I got an email from XXXX that they wanted to receive a copy of my bank statement and since this is PII information in it, I cancelled the transaction because I did not want to expose my personal information to someone that I do not know. 

While my transaction was still under review, they deducted {$900.00} from my checking account. Since this was awaiting my bank statement, these funds should have never been taken out of my checking account. I can understand this if my transaction was legitimate and it was being processed but since it was on hold until completion of review, this, in my opinion, should have never been done. I am wanting these funds returned immediately.
Product: Consumer Loan

Honda Financial Services charged, without permission, my checking account that was attached to my loan. I had already made a payment on XXXX/XXXX/2016 and today, XXXX/XXXX/2016, that same exact amount was charged. They had no permission nor consent to charge my account. Now i am dealing with a huge negative on my account, as well as future overdraft fees. 
The fact that i have to call honda, wait for hours to be on hold and just get a message that they 'll resolve the issue soon is unacceptable. Also having to contact my bank, who is n't at fault.
Product: Mortgage

On XX/XX/2022, Angel Oak Home Loans transferred my mortgage to XXXX XXXX XXXXg. The notice, sent by XXXX XXXX XXXX, was dated for XX/XX/2022, failing to meet the 15 day minimum notice period for a service transfer as provided by 12 CFR Part 1024 ( Regulation X ), subsection 1024.33 paragraph ( b ) ( 3 ) ( i ) and did not meet exceptions from paragraphs ( b ) ( 3 ) ( ii ) or ( b ) ( 3 ) ( iii ). There were no other notices from Angel Oak Home Loans. The notice was not received until XX/XX/XXXX, after the XX/XX/XXXX payment. I had an automatic payment scheduled for the XXXX with Angel Oak, but due to the servicing transfer timeline, this payment was not drafted ; resulting in a late payment. Although no late payments were assessed, this conduct was illegal and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a loan for XXXX school and was declined. I have been with XXXX XXXX for 10 years and they still denied me because of items on my credit that are not mine. Im asking that you remove those items. This is holding me up from getting a loan for school. XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ( its two of those ), XXXX XXXX and XXXX XXXX. I also saw some addresses that I have never lived at. My only address is XXXX XXXX XXXX, XXXX NY XXXX. Please also remove these addresses as they are not mine:XXXX XXXX XXXX, XXXX , SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX , XXXX, GA XXXX. There is also a bankruptcy showing on my credit and Im not sure how that is possible, I have never filed for bankruptcy. My family dont believe in unpaid debts. Please have this bankruptcy removed as well. I spoke with US Bankruptcy court and they do not show a record of bankruptcy under my social. The Bankruptcy attorney advised me to contact XXXX   XXXX  and they also verified that I do not have a bankruptcy. I'm doing this on my own behalf and need your assistance if possible. I have also contacted the police here in XXXX and the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstly, you need to add a new section for complaints about scores changing or going down when there is nothing that changed. 

Transunion reduced my score by 11 points and I quote " we saw no changes to your credit report ''????????? 

I have paid off credit cards and my score has gone down I have paid cards to XXXX from {$1000.00} - {$2000.00} and get 2-5 points, but let my balance go up on a card from $ XXXX {$100.00} and my score drops 60 points. 

I will keep sending these complaints until someone listens to them.
Product: Debt collection

LVNV FUNDING LLC a collection agency for XXXX XXXX XXXX of South Carolina. LVNV FUNDING list on all three credit bureau for me as a charge off for {$1000.00} in XX/XX/2014. And neither company can provide me with proof that this loan is mine, they can not provide me with an agreement contract that bares my signature. I disputed this account with them on many occasion and still unsuccess. This account has damaged my credit for the last 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15USC1681Section 602A states that I have the right to privacy.

15USC1681Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights, The reporting dates are wrong, last date of payment last date of active are all wrong. I have sent messages after messages and they have never done anything about it i have shown you the inaccuracies and these accounts are still on there please remove these accounts from my credit report as soon as possible.

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

In accordance with the Fair Credit Reporting act Public Records Reported on 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: 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 for these situations.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX  & financial XXXX which is impacting my ability to sleep, causing problems at my job & creating unwanted XXXX  in my home life. The following items that you must remove are listed below : XXXX XXXX Balance {$900.00} XXXX XXXX XXXX Balance {$640.00} XXXX XXXXXXXX XXXX {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX {$390.00} XXXXXXXX XXXX  XXXX XXXX {$8000.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX A ) XXXX Balance {$940.00} XXXXXXXX XXXX XXXX XXXXriginal Creditor : XXXXXXXX XXXX XXXXXXXX BANK XXXX XXXX A ) XXXX Balance {$800.00} XXXX CRED ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$1400.00} XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$830.00XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year>XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting an account on my credit that is not mines. I am a victim of identity theft. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit card or prepaid card

From XXXX XXXX thru XXXX XXXX Bank of America allowed fraudulent charges to accumulate on cc ending in XXXX, they closed that card and transferred the charges to cc ending in XXXX. A total of 434 charges at XXXX each for the same company in CA. They cleared 119 charges but refuse to clear the additional 315 charges, interest and penalties. I have been trying to resolve this for 2 months. No further communications from BOA, attempts to contact the fraud dept, appears to be a phone with a recording and no response. How do I get their attention to resolve this? I have had my credit score drop XXXX points due to this issue. A surge in spending and past due payments are being attached to my credit report. {$13000.00} of fraud is still on this closed cc. I plan to no longer use BOA but can not leave until I get this to a O balance. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notice that a collection had been placed on my credit report on XX/XX/XXXX. Saw that it was for an account I attempted to close on XX/XX/XXXX with XXXX. Contacted XXXX and was told that they made a mistake and would send me a final bill and recall the collection once the account was paid. Paid the account to XXXX on XX/XX/XXXX. Spoke to both XXXX and Allied Collection on XX/XX/XXXX, XXXX confirmed to me that the account was recalled from Allied on  XX/XX/XXXX and Allied told me that it would take 60-90 days to have deleted from my reports. Got an alert today, XX/XX/XXXX that the collection has been changed to paid and not removed from my reports. The entire thing happened because XXXX did n't send me a final bill when I canceled service onXX/XX/XXXX in writing. This is also showing as an open account on my credit reports.
Product: Checking or savings account

On XX/XX/2022 my wife  received notice that three wire transfers were being requested from our account and that the total of all three wires were approximately {$30000.00}. I immediately went to the bank where i have banked for XXXX years including my business accounts for XXXX XXXX XXXX and advised them that the wires were fraudulent. Two of the wires were not executed and were able to be cancelled. The third wire for {$9800.00} was executed. We advised that bank that at no time did we ever authorize these transactions. In fact as per Citibanks wire fraud prevention units decision regarding reimbursement to our account, they in fact confirmed this was a scam. With emphasis the day prior to the wire transfer My wife received a call from someone purporting to be from Citibank telling my wife that there was fraud on the account and in fact read to her items that were fraudulently made. They in fact already had her account info, social and date of birth. The citibank representatives from the fraud department which had to be accessed by phone and not directly at the bank were aggressive. The citibank representative stated Citibank never notifies by phone and implied it was our fault. Interestingly at Citibank online they indicate that suspicious activity may warrant a call by phone. ( citibank.comXXXXXXXX specifically states if we notice suspicious activity on your card we may contact you by phone, text or email to confirm you have authorized that purchase. I no way did this fraud have anything to do with us, rather the fraud was as a result of a successful scam resulting from information obtained from Citibank not us. Clearly this was a scam against citibank although it ultimately affected us. It is disgraceful and shocking that a bank whose systems were comprised have not returned this money to us. We have gone online and there is a wealth of information about Citibank Scams.
Product: Checking or savings account

I have lost my debit card on XX/XX/2020 and XXXX unauthorized transactions were made against me. This drained my account and left me with a {$22.00} balance. After speaking to Amegy bank, they denied my claim because they think I still have possession of my card even though the reason I called was to report my card stolen/lost.