23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

PREVIOUS COMPLAINT NUMBER -XXXX On XX/XX/XXXX I notified Transunion , XXXX , and XXXX via Affidavit that multiple accounts on my report are fraudulent. I then contacted each reporting agency via phone on XX/XX/XXXX to follow up on the status of the investigation. Transunion nor XXXX provide me any verification of the investigation that was conducted. But all accounts still remain on the report. I placed a call on XX/XX/XXXX to Transunion in which I recorded a new dispute in which no validation or verification was provided for. I allowed them thirty days to respond with that validation as well as to the alleged creditors. On XX/XX/XXXX I filed a UCC -11 debtor form in the State of Illinois in which it reflected that no claims/liens filed on my name in which those alleged account were in reference to. On XX/XX/XXXX All Credit Reporting Agencies were notified via Affidavit and Ucc11 certified debtors search to reflect the exact information being displayed from the certified search which is NOTHING ON FILE. I HAVE ALLOWED OVER 90 DAYS FOR THIS MATTER TO BE RESOLVES AND ITEMS TO BE REMOVED FROM THE REPORT. AS OF XX/XX/XXXX THOSE ITEMS ARE STILL LISTED ON THE REPORT, DAMAGING MY ABILITY TO OBTAIN CREDIT.
Product: Debt collection

I had a written agreement with Capital One. For a lump sum payment. For 53 % of total. To have this account paid and removed from all credit reports. I went through XXXX. To get this settlement. I sign and agreement. I paid the 53 %. We agreed on. Now Capital one is reporting. I owe {$330.00} on this account. Capital One is in breach of this agreed contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to protect personal information including, but not limited to : address, SSN, date of birth, drivers license information, and credit card information.
Product: Credit reporting

Tried to get my report form transUnion and they wanted to charge me a fee
Product: Debt collection

NorthStar Location Services , LLC did not respond to everything I asked of them with the CFPB. I 've conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. <P/>According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28 In addition, This company according to my credit report is trying to collect on a debt from 1999. Which is way past the statue of limitations.
Product: Mortgage

XXXX XXXX. -- \ Good morning CFPB, Thank you for your support and patience. 

Wells Fargo, requested that we have a mediation session in XXXX with regard to a CHECKING ACCOUNT. that was fraudulently forced on me to open in conjunction with the fraudulent HELOC loan. 

To date they have been playing games around the mediation process for the HELOC loan and yet that the letter of XX/XX/2022 states that they would like to go to mediation, to resolve the issues. ( See attached ). The mediator was XXXX- XXXX XXXX XXXX XXXX XXXX who assure me that I may pursue mediation on the other HELOC loan issue, and XXXX XXXX from WF, XXXX, expressed their empathy and desire to assisting me to further my case. The process through WF has been met with willingness to assist and compensate me for their digressions. Please provide a process for me to present my case before a mediator with XXXX. 

The issue is that WF is using diversion tactics by using the CHECKING ACCOUNT as a closing issue when the real fraud is related to the HELOC.

Please request that WF investigate the HELOC. The fraudulent loan officer and the XXXX  XXXX builder that have all been sued. 

In summary let continue this process. WF asked to mediation for the HELOC loan. Let 's go to mediation. 

Wells Fargo does not meet the ethical standards of the CFPB and needs to be held to account. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They need to held responsible. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or made as a result of unauthorized access to my personal information, and I am requesting their immediate removal from my credit file. 
ACCOUNTS TO BE BLOCKED AND DELETED : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} INQUIRIES TO BE BLOCKED AND DELETED : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I have a zero interest loan with Synchrony Bank / XXXX XXXX The minimum monthly payment is around {$80.00}, which I have faithfully paid. Since XX/XX/XXXX, I pay {$100.00} a month, via bill pay that is sent every four weeks. They payment is due on the XXXX of each month. 

I have paid in excess of the amount due every month and they keep charging me late fees. Since XXXX, they have received the following payments : {$80.00} XX/XX/XXXX {$80.00} XXXX XXXX, XXXX {$80.00} XXXX XXXX, XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$110.00} XX/XX/XXXX ( because of a late fee I made an additional pmt ) {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX My XX/XX/XXXX statement shows another {$44.00} in fees. 

There is no possible way these payments are late. 

I called today, XX/XX/XXXX, to discuss it and the customer service representative told me this is my problem and I need to pay attention to my statement, so I am aware of their billing cycle. I told her she needed to resolve it or I would report to the CFPB. She maintained the late fees were legitimate.
Product: Checking or savings account

I am not able to use Citibanks website. The website isn 't accessible. I have tried to use the website in the past, and I have called Citibank, and they make it out to be a computer glitch issue on my end. Apparently, my computer is the fault. Therefore, I have enlisted to use the Citibank app. The app, however, also has problems. Citibank changed their method for allowing their account holders to send and receive money. Now, we must do it by XXXX. Needless to say, I set up my XXXX account through the Citibank app, but I noticed a problem. The problem is that during the weekends or weeknights. If you try to send to your other bank accounts in the United States. The Citibank app will present an error. I will attach a copy of the .jpg I took from my XXXX to show you. It is a XXXX error that states : Access blocked. For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service and mention error code XXXX. XXXX. I've approached Citibank about this also. The issue was fixed, but here I am again on XX/XX/2022 trying to send money to my other bank account : XXXX. I paid two bills online through Citibank app before I decided to send the remaining balance to my other checking account with citizen. Why am I going through this? I have another bank account in checking with XXXX bank. XXXX bank holds mostly all of my funds. I don't need the hassle. Citibank is just a maintenance account that I have my checking and some savings, but my direct deposit goes from the State of Connecticut to Citibank. I can eliminate this issue by closing my Citibank account, and moving through the State of Connecticut Comptroller 's Office my direct deposit to Citizens bank in Connecticut. It is as if Citibank does not want my business. Oh Citibank wants you to take out a $ XXXX personal loan to help them, but this is a business relationship. Business relationships aren't one way, unless the other party is nave or stupid, and I am neither. 

Now, I have to call Citibank again asking them to do what they are selling you : a banking service. I have to take time out of my schedule to approach Citibank to do their job. If this isn't resolved, then I will visit Citibank in New York City with two forms of ID and a demanding them to close the account. Put my IRA in the name of XXXX Bank and in check form for transfer.
Product: Debt collection

I XXXX XXXX is the original creditor Pursuant to 15 usc 1692 a ( 4 ) No corporation can validate a debt. Also debt means any obligation or alleged obligation pursuant to 15 usc 1692a ( 5 ). I am sending in a copy of the letters being sent to my place of abode. In these letters I have marked each violation for review. Please see attached copies. I have tried resolving this with the collection agency in which they keep saying this alleged debt is validated. Again how can you validate this alleged debt? I XXXX XXXX DO NOT validate this alleged debt. I will be filing a complaint with the XXXX  and attorney general. I also plan on contacting the media and release the information in regards to me being the Consumer and Natural person and my consumer rights as listed by Congress.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act XXXX Account. 
XXXX. XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX  XXXX XXXX : XX/XX/2022 XXXX. XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Had 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: Payday loan, title loan, personal loan, or advance loan

I paid off a mattress I purchased from XXXX XXXX within 90 days but decided to return it because it was uncomfortable. XXXX XXXX processed my refund, and ACIMA verified that they received the refund. I spoke with XXXX agents and XXXX managers within XXXX week ( First contact XX/XX/year> ). I was told by the first agent that I would receive the {$1600.00} in full via the payment method on file ( checking account ). When I followed up today, the agent told me that because the refund was over {$1000.00}, I would only be able to receive it via a mailed check, which would take a month to receive. I spoke with a second supervisor, employee number XXXX, who told me that because it was over {$200.00}, I would have to wait for a check. Then, I informed him that neither the terms and conditions nor the lease stated either of those policies, and I had already been told I would receive my refund via XXXX to my checking account. He said, " Well, the lease doesn't say otherwise either, and it's illegal to refund your original payment method. ". That is absolutely untrue. I've had XXXX leases, paid them all off early, always been on time, and I'm a great customer. If you can debit my checking account, you can credit it with a refund. I informed the second supervisor with the employee number above, who responded, " I'm not going around in circles. It will be processed this afternoon, but that's our policy, even if it's not in the lease. We can have our policies, and if you can't prove otherwise, then we will follow them. ". I informed him that his discretionary policy should not replace a non-existent refund policy that provides a timeline nor contradicts XXXX previous supervisors. That would suggest there is no fixed policy. I just want my refund sent directly to my checking account for {$1600.00}, which constitutes the total amount I paid. There is no policy stating that a check must be sent ; the supervisors and agents contradict XXXX another, and I've read online that refunds over {$1000.00} were sent to checking accounts. ( XX/XX/year> ) I requested electronic copies of my lease agreement via email to double-check the terms and conditions ( against those written online or presented differently depending on the supervisor or employee ). They insisted I'd receive it in a few minutes, but they never sent it. They also never sent any verification that my refund was processed. 

My lease
Product: Mortgage

I refinanced my home mortgage in XX/XX/XXXX. The mortgage was with XXXX. 
They financed {$100000.00} & my home was only worth around {$50000.00} at that time & I only owed {$35000.00}. They said I could use extra money for whatever I needed it for. I have made monthly payments of {$840.00} since XX/XX/XXXX. I have repaid over {$120000.00} on this mortgage loan & it will not be paid of until XXXX. In XX/XX/XXXX XXXX sold the mortgage to Rushmore Loan Management Services. I have an interest rate of 9.6 % & the balance on the loan is {$89000.00}. I have tried to do something through the HARP program, but was told my mortgage did not qualify because it was not a XXXX XXXX or XXXX XXXX. Just wanted to know if there is anything I can do to get my interest rate lower so that I can pay of my mortgage in my lifetime. I am XXXX years old & married. My wife is currently going through XXXX treatment for XXXX XXXX. 
Any advise would be appreciated. 
Thanks!
Product: Checking or savings account

Woke up to XXXX emails from Bank of America stating that my online application is in progress, that it was approved, welcoming me to mobile banking, and that my email address was updated. The emails were sent around XXXX. I called Bank of America when they opened the same day and they verified that an account had been opened under my name and with my social security number but there was no activity on the account yet so they were able to mark it as fraudulent and close it.
Product: Debt collection

I am writing in response to your correspondence dated XX/XX/scrub>XXXX. While I acknowledge receipt of the documents you have provided, I must clarify that the information remains insufficient to fully validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

The documents you referenced, including the signed contract, deficiency notice, transaction history, and bill of sale agreement, have not fully substantiated your right to collect this debt, nor do they clearly demonstrate the transfer of rights from XXXX XXXX XXXX to NCB Management Services , Inc. I continue to request further clarification and the following : Clear Proof of Transfer : While you indicate that the rights to collect the debt were transferred from XXXX to NCB, I require complete documentation demonstrating the full legal assignment, including a clear chain of custody of the debt from XXXX to NCB. This must include all original and subsequent assignments, contracts, or agreements bearing my signature or any formal acknowledgment of my obligation to repay this debt. 
Confirmation of the Statute of Limitations : I also request documented evidence confirming that this debt is within the statute of limitations, ensuring that your collection actions are legally permissible. Please include any relevant documents or agreements showing that the debt remains within the allowable period for collection under applicable law. 
Account Payment History and Fee Details : The transaction history you provided does not include a complete breakdown of all payments, charges, fees, or interest that have accrued. I request a fully detailed account payment history, itemizing each payment, charge, and interest to substantiate the balance you claim is owed. 
Furthermore, as noted in my original dispute letter, please ensure that no negative marks associated with this debt are reported to the credit bureaus during this period. If the information you have provided is found to be inaccurate or incomplete, I will not hesitate to take appropriate legal action for violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA. 

I look forward to your prompt response and a complete resolution of this matter. Please be advised that any further collection activities should cease during the period I am reviewing the provided information. If you do not provide the requested validation within the next 30 days, I will expect all references to this account to be removed from my credit file. 

Thank you for your attention to this matter. I look forward to your prompt resolution of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX XXXX XXXX ACCT # XXXX 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

I reviewed my Experian report and found an inaccurate open date for the XXXX XXXX account listed on my credit file.
Product: Money transfer, virtual currency, or money service

On XX/XX/, I purchased three chocolate bars from XXXX XXXX XXXX 
They do not accept credit cards online and requested payment as a XXXX payment. 
They provided a XXXX name and phone number to send the payment to. 
I paid {$50.00} per chocolate bar plus {$30.00} shipping, {$180.00} total. I never received the order and have tried to contact the merchant at the phone number provided for the XXXX payment and it is no longer a valid phone number. I have also tried contacting them several times via email and have not received a response. I contacted my bank, Wells Fargo and they did an investigation and told me my claim for reimbursement was declined. Please note, the correspondence from Wells Fargo is addressed to XXXX XXXX, who is my husband. The Wells Fargo account connected to my XXXX is our joint account.
Product: Vehicle loan or lease

Bank of America took two car payments at once. One which was canceled and which they dont dispute was canceled and another one. Somehow even though it was canceled, they took it ACH EVEN THOUGH I canceled it 5 minutes after setting up a scheduled payment on the following Monday. The bank does not dispute that I canceled but they have refused to ACH back the money. They then told me it would be rushed by mail via check. 5 days later it was not and there were notes they would return it on XXXX - 14 days after taking it. I went to escalation again, they told me it would deposited back into my Bank of America- not they ACH account on the following Monday. It was not. When I called the notes said the XXXX & then 2 business days. However when they looked no bill pay had been initiated. They refused to give me ANY confirmation in writing although they assured me it would be done. I still have NO MONEY. I DID NOT AUTHORIZE THIS PAYMENT. The bank is doing nothing. They are rude and act like I should be patient! It was XXXX!
Product: Checking or savings account

I purchased clothes from XXXX XXXX XXXX. These clothes totaled {$120.00}. I received them damaged with holes and broken zipper. I filed a dispute because they refused to exchange or refund my money and my bank credited me the amount and now are telling me my claim was denied and I will have to pay it back because of their no return policy, however their policy also states that they will exchange if they send an incorrect item.. I did not order items with holes or broken zippers.
Product: Credit card

Ive had discover card for about a few years now of which I always paid on time. Now there was a point where I was not working so I had a hard time paying it so it did go unpaid which I take full responsibility for. When I was able I put {$2000.00} towards the bill and am back to paying on time as normal. The time when I was unable to pay they suspended my spending privileges, Ive reach out multiple times to get it unsuspended and request has been denied. Times are hard its inflation. I would like to use the card. Paying on time is not an issue whatsoever but atleast give me a card and let me use my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX, XXXX, XXXX 2. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Violation of 15 U.S. Code 1681XXXX - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

11. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

13. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

14. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and eliminate these items from my report. It is my understanding that you are obligated to verify these items with the relevant creditor. Consequently, I kindly ask you to eliminate any information that can not be verified by the creditor. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the aforementioned address. Pursuant to the act, there should be no charge for this updated report. Additionally, I would appreciate it if you could notify anyone who has received my credit report in the past six months regarding the corrections made.

Thank you for your attention and assistance in resolving this matter.