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

ATM charged my XXXX but didn't give me any money on XX/XX/XXXX I believe. The clerk at store told me it would go back to my account in 12-24 hours and NEVER DID. filed a dispute with my bank ( Found Bank ). Took them several days to respond. They tell me the won't even acknowledge or begin an investigation until i first contact the merchant to resolve the error and then give them ( found bank ) proof I had done do. THIS IS ILLEGAL. REGULATIONS SAY THEY CAN NOT REQUIRE CUSTOMERS DO THIS. I had already done it anyway but that's irrelevant it's still illegal. The the tell my they don't give out provisional credit. But then say if the ATM operator doesn't respond after 30 days they will. AGAIN ILLEGAL. THE LAW SAYS AFTER 10 DAYS THEY MUST PROVISIONALLY CREDIT THE AMOUNT DISPUTED IF THEY STILL REQUIRE MORE TIME TO COMPLETE THEIR INVESTIGATION. 

I NEED THE MONEY BACK THAT WAS STOLEN BY THE ATM. I HAD TO TAKE MONEY FROM MY RENT TO PAY MY CAR, AND THEN INCUR LATE FEES COMING UP WITH THE {$200.00} I WAS THEN SHORT FOR RENT. 

THIS IS BS. ILLEGAL. AND I WANT THEM PUT IN THEIR PLACE. IF THEY ARENT GOING TO FOLLOW THE LAW CLOSE THEM DOWN. PUT THEM OUT OF BUSINESS. I AM SUFFERING ADDITINAL FINANCIAL HARM BECAUSE OF THEIR REFUSAL TO FOLLOW CONSUMER PROTECTION LAWS AND REGULATIONS
Product: Debt collection

XXXX Statements Closing Date XX/XX/XXXX & XX/XX/XXXX - paid in full received by XXXX on XX/XX/XXXX {$19.00} & XX/XX/XXXX {$19.00} - these payments are full payment of my balance with supporting XXXX Statements They continuously sending me a statement every month charging Late Fees on top of late fees after I paid it in full ; the last Statement I have is " Statement Closing Date '' XX/XX/XXXX. 

XX/XX/XXXX - XX/XX/XXXX - Disputed my accounts by telephone and online correspondence with XXXX. 

XX/XX/XXXX - Wrote a Certified Letter to XXXX with supporting XXXX Statements - NO RESPONSE from XXXX XX/XX/XXXX - I received the Certified Return Receipt stamped received by XXXX. 
XX/XX/XXXX - Received a letter from XXXX - my account was closed and charged-off and they sold my account to XXXX XXXX, XXXX aka XXXX XXXX XXXX , XXXX ( MCM ) XX/XX/XXXX - Wrote a Certified Letter to XXXX XXXX/MCM XX/XX/XXXX - Received a response from XXXX XXXX/MCM claiming the information provided by the previous creditor ( XXXX ) was correct. 
XX/XX/XXXX - Disputed this issue with the 3 Credit Bureaus. 
XX/XX/XXXX - Received a response from XXXX  stated : XXXX XXXX/MCM balance is correct and XXXX  investigation is complete. 
XX/XX/XXXX - Submit this complaint to CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the validity of an account listed on my credit reports with both Experian and XXXX. The creditor is XXXX XXXX and the disputes originated in XX/XX/2022 and again in XX/XX/2022. In my disputes with the bureaus I specifically requested that they provide me with proof of validation of account from XXXX XXXX. Both disputes with each of the bureaus were not resolved to my satisfaction as this information was never provided to me. Instead, the bureaus ( Experian and XXXX ) notified me that the creditor ( XXXX XXXX ) informed them that the account was indeed mine and thus they did not remove them from reporting as a negative item with the bureaus. The XXXX account does not belong to me which is why I am adamant about that and requested validation from the bureaus which they have not been able to provide to me, yet they continue to report the account accordingly. XXXX XXXX has made changes and added a comment to the reporting of the account claiming that it is " in collection '' instead of a charge off account which has now caused a significant drop in my FICO scores. Experian and XXXX continue to lower my FICO scores without merit or cause even though they can not or will not but definitely have not provided me with supporting documentation to support the inaccuracies in my report so they can continue to push their products and partner merchants to consumers like myself who value their credit worthiness.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was looking for a XXXX loan and a guy named XXXX called me from a loan company named light stream loan, he said they work off a trust basis which meant he would deposit money into my account and I send it back on a XXXX card, he told me not to look into my bank information with XXXX because we both couldnt be on line at same time, he told me he deposited XXXX into my account any I was to send it back and I did, I asked when would I receive the XXXX he said it was a problem with my credit and he would have to deposit another deposit into my account and I was instructed to do the same thing and again he said he needed to make it appear that I had money in my account to his leading bank and he said he deposited XXXX and I sent it to him, he was extremely convincing that he was helping me build my credit and the XXXX would be in my account, I called the next day and he did not answer and said he was in hospital so I ask to speak with someone else he hung up and at first blocked my call. I then sent him a picture of my bank statement and asked if he was making claims on bills I already paid and having me send him the money he assured me that it was legal and he was looking out for me, but by this time I knew he was full of stink and we exchanged words and I shut down my account because he had all my information all of it he said he needed it to transfer money from my account to his banks ( lies ). I made police report and have all copies of his and my conversation where he is telling me how to put the money on XXXX cards and how much, I have all my bank statements from where he took out claims on my rent ect.. I know I was silly but he knew I was desperate I think and even told me he would black out my ss number! Dont know what that mean but he and light stream loan has hurt my family greatly can you please help me! I have all the paper work it was a fake loan I think I reported to consumer credit they told me to contact you guys am not sure if I am doing this correctly but I need help please!!
Product: Debt collection

Allied Interstate , Inc. has repeatedly attempted to collect on a debt which they have no proof of validity. First judgement was vacated court file number XXXX. Now comes back with no proof of debt and wants money again. Allied Interstate, Inc. was fined in XXXX XXXX for using these same tactics. Complaint was in XXXX and CFPB sent letter that Allied Interstate never did respond. Company is a scam. Illegal judgement needs to be removed or I will file a federal complaint with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

Green Tree left a message to get in touch with as soon as possible on my phone at my job. I did call them back although I was puzzled as to why they called me ... I sent my payment in on time. I called Greentree,,, the respresentative told me that their system was down ... I told them I sent my payment in because their system had been down they had not processed my payment and I needed to pay via XXXX ( XXXX ). I did pay via speedpay but I do n't think I should have since it was not my fault their system was down. I did my part and sent the payment on time
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has broke this statute/law. They need to prove to me that I received my statements 21 days prior to the due date. 

15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX, XXXX, 123 Stat. 2998. )
Product: Credit reporting, credit repair services, or other personal consumer reports

PA XXXX XXXX XXXX : # 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.

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. An 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: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$4000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX DATA INT ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$3900.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$160.00} ( Original XXXX : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$22000.00} XXXX XXXXXXXX Balance : {$800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX Balance : {$4000.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

bank of america card #: XXXX XXXX XXXXA purchase was made online for rental car insurance for the amount of XXXX.  The coverage was canceled by me, and an email was sent to me from the providor of the services that a credit would be applied to my account.The refund policy as explained on the sales order, is that refunds will be processed in full as long as it is canceled before date and time of service, which can be seen in the sales order and email.Bank of America is refusing to further pursue the claim stating I do not have a valid credit slip from the merchant.I have supplied them with a copy of the email stating the cancellation with credit, the return policy etc..  They refuse to issue me a credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian have continuous ly put wrong error on credit reports even after sufficient evidence was provided to remove grom file. XXXX XXXX and XXXX XXXX XXXX submitted b as f document through courts which caused a lot of problems for me and my family. XXXX XXXX XXXX and XXXX finance agreed to remove from court documents and credit report. Ive also sent court documents to experian and XXXX but they have failed to remove
Product: Credit reporting or other personal consumer reports

I Reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account. XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Mortgage

WELLS FARGO LOAN # : XXXX REQUEST TO APPLY OUR " Cash Balance '' FUNDS to First Trial Payment due XXXX/XXXX/16 Wells Fargo has offered us a 3-Month trial payment plan for {$2100.00} per month starting on XXXX XXXX, 2016. We currently have $ XXXX sitting in a " cash account '' which we 'd like to apply for the XXXX XXXX, 2016 trial payment. We will easily be able to pick up the XXXX XXXX, 2016 payment and be in good financial standing for the new streamlined modification loan we were offered. 

XXXX XXXX, my account representative, told me twice on the phone that I could receive a check with these funds and he would expedite it, then he placed me on hold, came back and informed me, " I can not issue you this check and we can not apply these funds to make our payment ''. Please pull our phone conversation from Tuesday, XXXX XXXX, 2016 for the most recent misinformation spreading to a customer in need. 

I do not believe it is legal for Wells Fargo to hold our funds and I 'm requesting that your company make an exception and apply these funds immediately, so we can start the " XXXX Streamlined Mortgage which puts another {$200000.00} in the pockets of Wells Fargo '' and if not, we are requesting a full explanation along with the statute and law that allows the bank to confiscate these funds or hold them in limbo, when they could easily resolve our current situation with a simple transfer of unapplied funds. 

Wells Fargo is threatening to start foreclosure process if we do n't make the XXXX XXXX, 2016 payment. We also spoke to XXXX XXXX, XXXX, who also confirmed this misappropriation of our cash balance funds. When I asked to speak with her manager, " XXXX XXXX '', she rudely denied the request vehemently which coupled with resulting in my overwhelming distress and unnecessary upsetment causing severe emotional trauma. 

XXXX please help us resolve this amicably and simply apply the funds that our legally ours to help us start the streamline program on XXXX XXXX, 2016. We have XXXX young children with special needs and this is the only asset we still own. Please help us.
Product: Credit card or prepaid card

We were victims of debit card fraud threes times. The first time our bank Capitol One refunded our money. The second two times they did not. We disputed this with their fraud department and they will not credit the amounts back to our account. The second time it happened we filed a police report because this happened at the same gas station we frequent. The last time this happened was on Sunday, XX/XX/XXXX. I received a text asking if I debited {$39.00}. This charge was made in Maryland and we live in New York. Obviously, if I texted them back from New York then it wasn't me using the card in Maryland.

They have proved to be shady, careless with customer accounts, and not to be trusted.So far, we have lost {$100.00} of our hard-earned money to them. We want our money back.

As a result, we have cancelled our debit cards, and withdrew all of our money from Capitol One Bank. We were loyal customers for over twenty -five years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact XXXX on XXXX XXXX, XXXX, equifax and XXXX  concerning inaccurate information on my credit reports. I sent letters on XX/XX/202 and XX/XX/XXXX, XXXX the first letter noone sent anything and the second letter they said they verified the information and didnt send any proof of verification as requested. This inaccurate information from XXXX on XXXX XXXX is affecting me and i need them all to remove the account immediately off my credit reports.This complant that XXXX on XXXX XXXX, XXXX, equifax and XXXX allegations are not within the accepting standards of reporting law and they are compelled to eradicste by deletion of any adverse indicatoer pr demonstate physically vertifiable eveidence adequateky validated claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This is the third time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 

My name is XXXX XXXX XXXX S.S. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT EMPLOYMENT INFORMATION IS : RESIDENTAIL APPRAISAL My current phone number is : XXXX XXXX The following phone numbers are not wrong please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX HAVE RESIDED HERE FOR 3 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE this address IMMEDIATELY : XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Thay never sent me a XXXX or XXXX type about negative item or a account thay must be deleted it's a fcra violation XXXX and XXXX XXXX model notice of negative account in accordance with The Fair Credit reporting act account XXXX has violated my rights 15 USC 1681 section 602a States I have the right to privacy 15 us c 1681 section 604a section 2 it also States a consumer reporting agency can not furnish a account without instruction 15 USC 1666b a creditor may not treat a payment on a credit card account under any open and consumer Credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies continue to report incorrect information on my consumer report. The addresses, the names, the phone numbers, and the personal statements are NOT accurate. I have been a victim of identity theft, I have submitted the report, and the CRA 's will NOT remove the information and will NOT report the correct information. I am submitting a copy of Affidavit, current drivers license, and a copy of the misrepresented information that Experian has on my report. It is a PURE disgrace for lenders and creditors to depend on the agencies, yet their information isn't factual. Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After reviewing my consumer report, it has come to my attention that the CRA 's have reported inaccurate information. This inaccurate information is unfair to me because I was never notified when the inaccurate information was furnished, and I was never notified that they were going to report this incorrect information. This grave error has undermined my confidence in the CRA 's procedures.
Product: Debt collection

I sent out dispute letters on XX/XX/2021 Which was over 30 days ago to LVDV FUNDING LLC, my complaints was to have debt validated and proof to collect debt in my state. I have never had an account with this complany. I have ask for proof of my wet signature and this company has yet to provide that. 

I also sent a second notice on XX/XX/2021 which also was well over 30 days ago. Failure to provide proof also. I have not heard from this company since then. XXXX is also reporting this information inaccurate information after disputing with them multiple times. They also have failed to provide me proof.