23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XX/XX/XXXX, the company XXXX XXXX XXXX XXXX was bought by another company known as XXXX. I owned shares in XXXX XXXX. On or about XX/XX/XXXX, I received a check for the shares I had owned in XXXX totaling {$3200.00} with Wells Fargo Bank, NA as the disbursing agent, check # XXXX, account # XXXX. 

The check was misplaced and subsequently later found in XX/XX/XXXX. On the check was printed " void after 180 days ''. I took the check to the local Wells Fargo bank and explained what happened. I was informed by customer service that they could not cash the check because the check was beyond the valid date. Additionally they alleged that the check needed to be re-issued by the company however, XXXX transferred all funds to Wells Fargo as they were dissolved as a company. Since Wells Fargo is listed as the " disbursing agent '', they hold all funds. Consequently Wells Fargo converted those funds to themselves and still holds said funds. They did not forward the proceeds of the un-transacted check to the State of California as unclaimed funds. At this time it is my allegation they kept the money within their institution and will not take any action to assure I receive my proceeds. 

Wells Fargo, NA through their own admission based on a settlement they entered into, have been guilty off unfair practices regarding consumers. This is a further example of their duplicitous business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that 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 investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA.

In accordance with the Fair Credit Reporting Act below, the following accounts have 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: Debt collection

I was a victim of identity theft. an American express credit card was open under my name. when I called AMEX to resolve this issue, or try to have it removed from my credit history, they told me that I wouldn't be able to dispute this issue because there were payments made to this credit card from a XXXX XXXX bank acct, which I do not have. the person who opened this credit card probably made payments from his/her personal account various times which is their reasoning for why I can not dispute this issue anymore although these payments were made years ago.
Product: Credit card or prepaid card

Current unfairly deny fraud claim saying no fraud occurs after I disclose THEE fact that me have a XXXX XXXXysomeone steal all money from THEE account of me. Not fair, not cool. They discriminate like most people because me XXXX American and not smart very but getting very better. People take disadvantage of me and I am tired. Someone steal all money of me from current checking account and current do not help me. I reported a call to the polices and they give to me a number XXXX XXXX. Me calling News station next.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account XXXX XXXX TX XXXX XXXX has violated my rights. 

15 U.S.C.1681 Section 602a states that I have a right to privacy. 

15 U.S.C.1681 Section 604a Section 2 states a consumer reporting agency can not furnish any account information without my written instructions.
Product: Student loan

MOHELA customer service is horrible. You can not get through to get your questions answered. The automated messaging is irrelevant bantering that gets repeated over and over until the phone hangs up. Negligence. 

I faxed in my employment certification for the PLSF program. They say they never got the fax the first time, so I did it again. I called today to check if they received it but I can't get through to anyone.
Product: Debt collection

I moved to XXXX from XXXX, XXXX and came back XXXX, XXXX, XXXX and I starting having calls from MIDLAND CREDIT MANAGEMENT on my new number I got when I returned regarding accounts # XXXX and XXXX in the amounts of {$1200.00} and {$720.00} respectively. I spoke to few their agents about the above accounts, I have no idea about both accounts, besides one of the accounts was opened while I was outside the USA, whilst the second one was open while I was here but the transactions on both accounts has nothing to do with me or my lifestyle as Midland tried to tell me some of the transactions. I tried many times to dispute this matters, no success and they still insisted as a result put some negative remarks on my personal credit report and I am not happy about that.
Product: Vehicle loan or lease

Collection agencies can not report old debt as new. If a debt is sold or put into collections, that is legally considered a continuation of the original date. It may show up multiple times on your credit report with different open dates, but they must all retain the same delinquency date. I notice that in my state after XXXX years a person can not be harassed by debt collectors for old debt and also garnishing someone pay for old debt XXXX years old debt but reporting it as it is new debt.
Product: Checking or savings account

on XX/XX/XXXX, I received a notification regarding a possible fraudulent check. I spoke with customer service at BOA and acknowledged the fraudulent check. Money to return in 2 business days. Customer service said they froze the account because they may try to attempt cashing check again ( for XXXX ). I called the fraud department on XX/XX/XXXX to verify what we needed to do as they suspected they would try again and with my routing and account number compromised, what could we do to protect ourselves. On XX/XX/XXXX, they tried again. The account was frozen ( or so I was told ), however BOA cashed it. Fraud line said they would return the money on XX/XX/XXXX even though the account was frozen and the amount was flagged. Money was not returned on XX/XX/XXXX and the account wasn't frozen ( which my husband was told when he went into branch on XX/XX/XXXX ). Now my money is locked in a claim for up to 90 days to return when THEY didn't freeze the account, or didn't flag that exact amount they cashed ( despite what I was told on the phone ). I spoke with the fraud and customer service depts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and twice on XX/XX/XXXX, XXXX of which was my husband in a branch where they said nothing was done, despite the phone calls and long discussions. Only the XX/XX/XXXX resulted in " a claim '' after I was told the amount was flagged and the account was frozen
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report the other day because i'm trying to get me a XXXX XXXX and I notice a couple of items on my credit report that are not mine. I need these items deleted from my credrt report because they are not mine. XXXX XXXX XXXX XXXX XXXX. I reached out to the FTC and my local police. Im doing this on my own behalf. There are also inquires on my report that are not mine as well. XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the fair credit reporting act XXXX account number XXXX has violated by Rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A predator may not a payment on the credit card account under any open consumer credit plan as of late for any puprose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my Equifax from XXXX on XX/XX/16. I was not asked permission for XXXX XXXX XXXX or XXXX to run a credit check on me, they also did not disclose that they were going to run the credit check to me. I was an existing customer with XXXX XXXX XXXX during this time seeking a discount. During my conversation with the retention department representative he recommended that I switch my TV to XXXX and keep my internet on XXXX XXXX XXXX to save more on my monthly bill. During this conversation I was told they needed my social security number for " security reasons ''. I remember specifically asking if they were going to run a credit check on me to which the representative replied " no, they won't ''. After I viewed the hard injury on my report I promptly called XXXX XXXX XXXX and XXXX to remove it. After several phone calls and confusion from the XXXX XXXX XXXX and XXXX staff they referred me to their legal team address to mail a physical letter. I then sent a detailed letter to their legal team address explaining what happened and politely asked them to remove it. Its been nearly two years since I sent the letter and I have not received a response or had the hard inquiry removed by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a member with XXXX  since XX/XX/XXXX they recently switched to XXXX during the summer of XXXX. I was giving a notification of 48 hours to deploy in XXXX in support of XXXX and XXXX conflict. When I reach my destination, I had no internet or phone access. I was not able to make payments and I didn't have access to the XXXX credit card at all. In XXXX if XXXX when I did get limited internet access, I checked my credit score to find out that XXXX reported 2 late payments. I paid the credit card off immediately. This situation was not on my control and is affecting my credit score and my ability to purchase a home. Service members should be protected while XXXX and serving their country. I sent XXXX a good will letter in XXXX when I returned from my XXXX along with a copy of my orders to try and resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an open automobile account with XXXX XXXX XXXX and I disputed the dates that were not showing as they havent reported the account current to the month of XXXX it was only showing since XXXX now Equifax removed the account from my Equifax report although my account is current and still going also on my XXXX XXXX report they increased my amount by {$260.00} with no reason after I called XXXX it shows that is incorrect! I want equifax to put the account back on file as it was and XXXX XXXX   to correct the amount owed to XXXX XXXX XXXX immediately.
Product: Debt collection

I have an account with XXXX XXXX XXXX XXXX. I have been paying on the debt for 9 months. I need to change the arrangement but the number they give you to call XXXX answers, puts you on hold for two minutes, then says voice mailbox is full then ask u to press 0 for someone else when you do it again says the mailbox is full.The website www.atlanticcreditfinance.com only allows you to file a complaint but nowhere to access your account.
Product: Credit card

Chase Sapphire Reserve card has a rewards program with XXXX. You get XXXX points for transit purchaes, you get an addtional XXXX points for lyft rides. Chase is currently fight with XXXX over this promotion. I am caught in the middle of it. My clients take XXXX rides daily. From XXXX of XXXX to XX/XX/XXXX I was getting the XXXX total points I was supposed to be getting. On XX/XX/XXXX Chase stopped giving me the XXXX points for Lyft rides and I only got the XXXX points from them after that. Dozens of phone calls and emails and no response. I even got my XXXX representative involved. XXXX told me they were fighting with Chase over the promotion and I am caught in the middle of it. On XX/XX/XXXX Chase for no reason and with no warning closed all three of my credit card accounts I had with them. I tried to transfer the rewards points I had out of the account but it looks like they are blocking those transfers. They are guilty of fraud. They closed my accounts just so they did not have to give me my rewards and took all my rewards away from me. When I call they just tell me my account is under investigation. Nothing else. I was never late with a single payment. I don't owe Chase any money. They however owe my over XXXX XXXX rewards points worth over {$250000.00}. I want my rewads points, I want my cards turned back on, and I want Chase to live up to the reward agreement with lyft and allow me to continue until the promotion ends in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I applied for a mortgage with XXXX XXXX today my phone and e-mail are blowing up with solicitations saying I got your information from trans union that you applied for a mortgageand they dont let me off the line if Im trying to be nice I never gave trans union permission to sell my contact information or my contact information to third partiesit isnt just a small inconvenience..Ive had at least XXXX calls today. I do work on my cell so I can not just reject unknown callers. This is abusive and awful.
Product: Debt collection

On XX/XX/2020 I was called by TekCollect about a medical debt that I was not aware of. The representative then insulted me and said I need to " learn how to pay my bills on time. '' When I told him that I was not aware of the debt and that I wanted to proof of the debt he then told me he wasn't going to send me anything and that I just need to pay it. I then told him that he can speak to my lawyer because I felt as if this was a scam. I gave him my lawyers number but he has never reached out to him. He then called me back a few weeks later and I told him again that I wanted this to be deleted off my credit report. He told me to pay the debt even though I had no documentation from his company showing me where this was indeed my bill. He then was very rude and told me he wasn't going to send me anything. The verbal rudeness continued for thirty minutes finally he gave me an email address of a " supervisor '' I emailed the supervisor but I still have not heard back from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just turned XXXX in on XX/XX/XXXX. I wanted to start building credit and i noticed that I have a collection account on my credit report being reported by XXXX. I never had any accounts to have a collection I was a minor! This account does not belong to me, I have no knowledge of this account Also there is incorrect DOB and address being reported for me My address IS and ALWAYS been is XXXX XXXX XXXX XXXX, PA XXXX my DOB is XX/XX/XXXX birth certificate attached
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I applied with my personal bank for auto financing. When approved, I contacted the dealership that I wished to purchase from and affirmed with them that they had received the financing package from my bank, and that I could come down and purchase a car. 

Once I chose the vehicle, an unknown financing agent in the auto dealership, continued without my authorization, to pull various credit reports, with unknown and unapplied to lenders. At the dealership, I informed the finance manager, that the inquiries were unauthorized and should be removed from my credit report immediately. 

Furthermore, I have a FULL FRAUD ALERT/CREDIT FREEZE on my credit files at all XXXX credit reporting agencies, and it requires them to contact me to verify if a credit application has been sent to them. None of the companies that were not authorized to receive my credit, followed the proper procedure, and this is a violation of my rights under the FCRA, when a credit freeze is applied. Furthermore the companies in violation, have made no attempt to correctly follow the verification process for my credit file. 

On XX/XX/2023 at XXXX, XXXX, I contacted the credit reporting agency responsible for allowing my credit report to be given to unauthorized parties, but again, this CRA XXXX XXXX, stonewalled with an automated system for XXXX minutes, then hung up the call when I reached the consumer affairs department to speak with XXXX XXXX and then XXXX XXXX who hung up the call ). This type of behavior, is again a violation of my rights under the FCRA, and if continued, I will engage, once more, in aggressive litigation against all parties who were involved in this egregious violation of my personal credit information, which also caused a loss in credit score, which is a damage/recoverable offense, in litigation, on my behalf. 

If these companies do not comply with immediately removing their inquiries from my credit report, and refrain from any future unauthorized credit access to my information, I stress again, that I will file aggressive and financially punitive litigation against the offending parties.
Product: Debt collection

The auto loan financial company is unwilling to refund payment I have sent to get back my vehicle. The company also known about gap insurance. The amount was {$2000.00} but no title or vehicle was returned. I never got my title for the vehicle or never received any refund towards the payment I have sent which was settlement to get my car repossessed.
Product: Student loan

On XX/XX/XXXX I received an update to my payments remaining for XXXX that did *not* include my current employer for which I have submitted an employment certification form in the Fed Loan Servicing document upload for it. The last month my employment certification has listed qualifying payments for is XX/XX/XXXX ; however I have remained employed consistently with the same qualifying employer since then. It is not XX/XX/XXXX. I have uploaded the completed updated employer certification and now that the eligible payments have been recalculated, I need them to be updated with the latest documents.
Product: Credit card

Ashley Furniture has charged off this account, and have not sent me a 1099 C
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 Section 602 ( a ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Trans Union, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to ensure my private information isn't shared and is backed by 15 USC 6801, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) Section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution, and the Consumer Reporting Agencies XXXX, Trans Union, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Trans Union, XXXX, and XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are adverse items being reported, again, without my permission, violating the law. 15 U.S. Code 1681s2 ( A ) ( XXXX ) A states " 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. 15 U.S. Code 1681e states '' 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. XXXX, Trans Union, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of these reporting services. 

Any and all disclosure of private information and reporting of transaction history is illegal and a violation of the FCRA, the Privacy Act of 1974 and the above federal laws.
Product: Mortgage

I have been trying to get a loan modification since XXXX XXXX. Half a year later they gave me a trial modification and that in XXXX of XXXX I would get the loan modification. But after making all my payments on time, they told me in XXXX I would have to re-apply again for a loan modification. Since then, they have not completing my loan modification. They continually ask for the same paper work, over and over again. Now it is XXXX of XXXX. I have not giving up, but I do n't know what to do to get this done.