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

This company has foreclosed on my home after it was put under the civil service protection act in XXXX. The initial paperwork said that no Legal proceedings would take place until XXXX XXXX. After recent investigation it has also been found that this same company falsified documents and committed other illegal foreclosure proceedings. They are currently reporting this fraudulent erroneous information to the credit bureaus. This company has did my family and I a great disservice. As a XXXX XXXX XXXX veteran I am disgusted with their illegal practices. Please investigate this company. This is not the first time they have been under investigation for practices such as this. I truly am in awe of the practices the government allow to take place by these big banks who just misuse mistreat and cheat our veterans. The ones who stood on the front line for this very country.
Product: Payday loan, title loan, or personal loan

I took out a loan for {$1300.00} from them in XXXX. As of today, there is {$1500.00} left and they have the nerve to tell me I already paid {$1500.00} of just interest. Are you serious!!??? This is highway robbery and they are seriously taking advantage of people. I told them today was my last payment to them because there is no way someone and morally justify to me that it is right for me to pay {$1500.00} worth of interest on a {$1300.00} loan. Thats more that was the loan is!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of these accounts from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent accounts should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, and the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these accounts that do not belong to me and is reported erroneously. I am in desperate need of these accounts to be REMOVED and BLOCKED. 

XXXX XXXX XXXXXXXX XXXX XXXX I XXXX
Product: Debt collection

I contacted Bank of America after discovering a fraudulent account on my credit report. Bank of America indicates that I had a credit card with my daughter on the account, which is a lie, I never applied for a credit card with this company. When I contacted Bank of America, informing them of this discovery, I provided them my address in which they never had, I was living at my XXXX address since XX/XX/XXXX and prior to that, XXXX, since the early XX/XX/XXXX 's. The reason they never had my address is because I never applied for a credit card. The address in which they have on their credit application is an address in which I have not lived in over twenty years. I even provided them my mortgage document, voter 's registration and my property tax documents which supported that I was not living at the address. I provided documents supporting that I was not living at the address on their application, then they wanted to say my daughter and I shared a bank account. My daughter and I never shared a bank account. When I asked for checks they were not able to provide checks. If they received any money from my account, it was not authorized. I never gave anyone my information, to withdraw any funds from my account. Then Bank of America, stated that funds were transferred to a XXXX account. When I provided them the letter demonstrating that after XXXX researched the account, they closed the account as a fraudulent account. Bank of America, then lies and says the letter was for a lease with XXXX. I knew that was not true and contacted XXXX and they ( XXXX ) indicated that they did not speak with Bank of America and they definitely did not say that the letter was from a lease, they indicated that they ( XXXX ) would not have spoken with Bank of America as it is against the law to do so without my permission and that I, XXXX had not given them permission to speak with Bank of America. Then Bank of America, went and gave the IRS a charge off letter in which I attached. I do not owe this company, never received a card, never applied for a card, never authorized any payments. This company, needs to be implement better safety precautions before issuing credit, to reassure that the party notated on their application is authentic. They should request for a license, social info and other documents to reassure that the party applying is the actual party. I even had a fraud alert on my credit report and they did not contact me, the phone number in which they claimed when I stated about the fraud alert on my credit report, the phone number is not mine. I have provided this company numerous documents to support that I did not apply or was aware nor did I reside at the address on their file. Now, they are sending the attached letter to the IRS as a charge off. If this company does not rectify this issue, I have to resort to seeking legal representation and sue them for neglect and damages. I have been fighting this battle back and forth and this is taking a XXXX. I ca n't continue to do this, when I have provided information to substantiate my claim.
Product: Debt collection

I have sent multiple letters and Fraud Affidavits to Central Financial Control to dispute the account that they are reporting on my credit file. To date, this matter has not been rectified. This account do not belong to me and I will like for it to be remove from my credit file. Please assist in the matter of getting this account remove from my credit file.
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 authorize, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings 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 or other personal consumer reports

My Information was stolen during XXXX data breach and XXXX Data breach . It has affected my livelihood and altered my credit score drastically. I'm unable to live because this has destroyed my life.
Product: Credit card or prepaid card

On XX/XX/XXXX My Barclay XXXX XXXX XXXX Mastercard was charged 4 times for concert tickets from XXXX XXXX XXXX XXXX   totaling {$4900.00}. I did not make these charges- they were the only charges on the card. I was out of town and was injured so came home. I did not realize my backpack with my planner was not with me. I received a bill in XXXX with the charges on it- I called Barclay and was told to dispute it. I did. My mom came to town to help me. She paid off my card not knowing about the dispute. SO Barclay was accidently paid for the disputed charges in XX/XX/XXXX. I requested my money back in XXXX and XXXX Barclay never sent the money back. 

XX/XX/XXXX, I receive a letter stating I am responsible for the 4 fraudlent charges because box office ticket sales knows my personal information. All of the information is on my facebook page, planner or public information. I hire an attorney to help me. I discover the charges were for concert tickets in XXXX and XXXX. I was and still am injured- physically compromised. THEN I get a bill in XXXX reopening my credit card with 3 more of the 4 disputed amounts being charged to me again!! So now I have paid off the disputed amounts and am being charged again for 3 of them totalling {$3900.00}. My attorney can not get Barclay to answer him, I have filed a complaint with NC Department of Justice Attorney General- they can not get Barclay to answer them. They sent me to you. i have spent over 120 hours and countless avenues trying to get this resolved. barclay does not see their rebilling error and has denied me any help with the fraud or dispute case. I have spoken to their manager, collections attorney, investagtion department all without any assistance.It takes over 3 hours to get anyone on the phone XXXX XXXX XXXX. HELP ME PLEASE!!!!!!!! I am out $ XXXX for annual fee and am being asked to pay for rebilling error of {$3900.00}!!!! 

I have contacted XXXX XXXX XXXX XXXX and they were paid for 4 charges not 7. They stated the tickets were not used. So barclay has not paid the merchant for their rebilling error!!!
Product: Debt collection

I got a phone call from waypoint Resource group. The collection agent (?? ) demanded I verify an address. I refused as I have my bank account compromised recently. The agent refused to send anything by mail after admitting she had my address. I believe this may be regarding a balance with XXXX XXXX   XXXX  but I sent the modem back and got no correspondence. I saw this on my credit report and disputed it with XXXX.
Product: Credit card or prepaid card

In XXXX XXXX, I was contacted by XXXX XXXX, who identified herself as the HR Manager for XXXX XXXX, an international company expanding to the United States. She said that she had found my resume online, and after the course of some interviews offered me a position as their Supply Chain Manager representative in Utah. 

On XXXX I was contacted by XXXX XXXX, who introduced himself as the Regional Manager for XXXX XXXX and would be mentor for a 30 day probationary period.
During the 30 day probationary period I was assigned daily course work. 

On XXXX, I was instructed to transfer {$22000.00}  from a XXXX XXXX XXXX bank account that XXXX XXXX had setup, to my Bank of America credit card and purchase XXXX XXXX XXXX The XXXX XXXX XXXX were to be used for the purchase of XXXX XXXX for the new XXXX XXXX remote offices. I transferred the money ( XXXX )  waited a few days to insure the transfers had cleared, and were credited and reflected in my Bank of America account. After seeing that my Bank of America credit card account had been credited {$22000.00} I made the purchases. 

On XXXX, I was again contacted by XXXX XXXX, who stated that they had misjudged the number of computers needed, and had deposited an additional {$12000.00} into the XXXX XXXX XXXX account to be utilized for the purchase of the additional computers. Again I transferred the money ( {$12000.00} ), waited a few days to insure that the  transfers had cleared, and been credited to my account, and made the purchases. 

On XXXX, I checked my Bank of America statement online XXXX and saw that all the transfers that had been posted to my credit card had been returned as being " denied '' by XXXX XXXX XXXX. 

Having found that the transfers had been denied, I tried to contact XXXX XXXX, but did not get any response. 

I also contacted both Bank of America and XXXX XXXX XXXX, and they were of no help. 

On XXXX I contacted the XXXX County Sherriff Department here in Utah, and opened case XXXX for the investigation of Fraud. 

The investigation was concluded in XXXX XXXX, XXXX. 

I have been in contact with Bank of America numerous times to have the fraudulent charges totaling {$34000.00} removed, credited from my account, but so far, they have not been willing to assist. Even driving 580 miles on XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX nearest physical location/branch to meet with their representatives and present the Sheriff 's report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in my identity theft report several times to Transunion XXXX and XXXX asking them to block and remove these fraudulent accounts of XXXX  XXXX XXXX XXXX  XXXX. XXXX and XXXX XXXX XXXXXXXX. These is in violation with us code 1681c 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Debt collection

XXXX XXXX  garnished my XXXX XXXX bank account for XXXX they received a little over XXXX from a XXXX XXXX XXXX XXXX that was repossessed in XXXX and sold. I never received the court date even though they claimed someone was served at an address I stayed at and signed for the court date. I believe it is still illegal they were able to garnish my account for such a high amount when the car was repossess and was nearly paid off when reposed.
Product: Checking or savings account

This is my 3rd complaint filed about this, the most recent being in XX/XX/XXXX that disappeared from the CFPB site and again today. I dont know what the CFPB is doing- or Wells Fargo for that matter- but enough is enough. 

In XX/XX/XXXX I received correspondence from WF about a disputed claim and how they finally processed it. I went to a branch on XX/XX/XXXX and spoke with a VP banker XXXX who called the number on the letter and got XXXX, who refused to speak with him and demanded I get on the phone. 

He was rude, beyond rude, and refused to answer my questions about the letter I received. 

XXXX escalated the matter and I filed a complaint with CFPB. 

Wells Fargo has never contacted me about either. All I want to do is- and have tried to do - is resolve this overdrawn account and reopen it! WF has been unreasonable, unresponsive and just rude. 

Tonight - they called me. The rep only spoke XXXX!!! I am not a Spanish speaker. What sort of crazy is going on???
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this financial institution to remove this bankruptcy listing on my particular credit report since XX/XX/XXXX and they refuse to do so. My bankruptcy was discharged in XX/XX/XXXX. My bankruptcy began in XX/XX/XXXX. All of my bankruptcy records have been dropped from all 3 of the reporting bureaus with the exception of this one record from this one bank and they are only reporting it to this one credit bureau. This is preventing me from refinancing my mortgage and getting rid of my current interest rate of over 7 %. Since this particular credit bureau has allowed all of the other previously listed bankruptcy creditors to be removed from my credit report, why is this bank being allowed to have this one negative record to stay continually listed in my credit report? This credit bureau is refusing to remove this record and I have written to them multiple times and have gotten the same response. They tell me that the record is accurate. I am not disputing the accuracy of the record. I am disputing the fairness and the logic of their actions. It is not logical that all of the other bankruptcy records from all 3 bureaus have been removed and that just this one remains. The bankruptcy was discharged through the courts, therefore the debt to this creditor has been satisfied and no further monies are due. Title to the vehicle was issued to me by this bank and I do not even own the vehicle any longer. In fact, the vehicle has been scrapped.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following has has violated my rights : Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account XXXX XXXX Account Name XXXXXXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXXXXXX XXXX  Account Number XXXX Account Name XXXXXXXX XXXX  Account Number XXXX Account Name XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXXXXXX XXXX  Account Number XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number 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 15 U.S.C 1681c. ( 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a credit alert that a company called Stellar XXXX had place a Collection on my credit report. When I called they said it is from an account in MD from XXXX. We live in southern IL where XXXX is not even available and have never had an account with them or any contact with them in anyway. We spent 7 hours being transferred from XXXX department to another and no one will help resolve this. It should be against the law to do damage my credit when I positively know there is no possible way this debt is mine,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because I applied for a XXXX credit card today XX/XX/2020 and I was not approved because I guess there are two accounts in negative standing on my credit. The accounts are from XXXX XXXX & XXXX XXXX. Those accounts are not mine ; I never opened them and I did not allow anyone to open them in my name. I do not have any written/verbal contract with either of those companies nor did I gain anything such as money, goods, services or any other benefit from these accounts and I never contributed to any payments made towards those accounts. I have already filed a police report regarding these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer on multiple instances, I have written several letters to Experian XXXX, and XXXX exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g, I have simply requested original hardcopy documentation, fully and totally verifying that all items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also, where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the items to remain on my credit report after several letters damaging my creditworthiness. The items, therefore, should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). Experian, XXXX, and XXXX are in violation of the FCRA. 


I will upload the letter, I received from the U.S BANKRUPTCY COURT confirming that they do not report information to Experian, XXXX, and XXXX. in addition to a letter from XXXX confirming my file with them is and was locked when Experian, XXXX, and XXXX claimed to have verified information through them, which is illegal and against the law. Along with the complaint letters I sent to Experian, XXXX, and XXXX. 

" I'm asking that the CFPB assist me in this matter because Experian, XXXX, and XXXX  has violated my rights to the fullest and this matter has affected my life in the worst way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Experian on XX/XX/2022 @ XXXX central time, It stated unable to process funding from debit card. I phoned company on same day and spoken with XXXX, If this is really customer service agent name. I have had many flags from my XXXX XXXX XXXX someone has tried using my information and it somehow show up on my credit report and, I haven't applied for XXXX XXXX  nor loans. I had no issues with other consumer agencies but for some reason, Experian claims, I upgraded my account in which, I haven't and, I have requested account frozen since XX/XX/2022, but you see many inquiries have been requested and stating, I have given permission. I have a code as well as PIN to get into my account and this individual by the name of XXXX whom, I was on phone stated, I needed to pay {$24.00} to my account or {$4.00} a month. I feel this is discrimination when calling asking for address Experian states that information can not be given out, I know they're XXXX in XXXX, GA as well as XXXX  address in XXXX as well as the XXXX, Texas address. I feel, if they can not do their job then something or some other corporations should step in this is why people credit is faulty now. I will step up higher, if this issue can not be correct. This card is not linked to me. I have not credit with these numbers
Product: Credit reporting or other personal consumer reports

Under 15 usc 1681S-2 and 1681c violation and it has to be removed.
Product: Debt collection

I received a summons mid XXXX to go to court on XXXX/XXXX/XXXX by XXXX XXXX for that from Walmart for {$640.00}. 

I have sent a letter to XXXX XXXX and asked for validation of the debt and received no reply. I have never signed any contract I do n't owe XXXX XXXX any money. 

I am being harassed and what they 're doing is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an old Bank of America card that I never use. One day I got a notice from XXXX that this account was delinquent. I had NO balance on this account and then suddenly a charge for XXXX XXXX appeared, and I never ordered XXXX XXXX. I called Bank of America and they said they would immediately remove the charge and fix the credit report. They removed PART of the charge but left a XXXX charge. WORSE - now the account is reported delinquent for TWO MONTHS. I again called Bank of America and spoke to someone on the phone. As of now my credit score has dipped 60 points solely because of this error by Bank of America.