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

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX has violated my rights. Under 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Under15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transuion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's action may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No, XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A few days before XX/XX/XXXX I added my Capital One QuickSilver card ( ending XXXX ) to XXXX XXXX  on both of my personal XXXX XXXX smartphones. The installation happened seamlessly without issue in both cases, and I received no contact from Capital One accordingly. However, when I attempted to purchase {$300.00} worth of goods at a local wine shop on XX/XX/XXXX via XXXX XXXX, the transaction was declined twice. Instead of a text message to confirm my authenticity, I received a brusque email telling me to contact customer service so I needed to complete the transaction with a XXXX card instead. When I contacted Capital One at XXXX XXXX  ET on Sat XX/XX/XXXX, I was told that I must authenticate the account even though I was calling from the phone number on the account. After going back and forth with the CSR, I requested a manager. The manager refused to apologize for their conduct and demanded that I authenticate. I declined to do so. The manager then said he would be closing my account. It is unconscionable that a CSR manager would close an account on the phone with an unauthenticated customer, when said action is stated to be irrevocable. I want my Capital One card reopened ( 8+ years of spotless on-time payments ) and the manager in question to be terminated from employment at Capital One for violating my rights.
Product: Debt collection

I was made aware of debt through a unlawful reporting and collections attempt by TRANSWORLD SYSTEMS that claims to be collecting a debt for or on behalf of a utility company called XXXX XXXX. A company I never had any dealing with, my utility company at all time has been XXXX XXXX a company that services the XXXX area where I live, XXXX XXXX on the other hand does not even service my area. I have asked this company to submit information along with documentation to substantiate the validity of the account, documents such as a service agreement with a copy of the identification necessary to establish an account, evidence that I have lived in that address or information about the service address which seems to be within the XXXX New York area, a service area at least four hours away from my place of residence. This company was not even able to provide me with billing statements about the service used which amounts to at least {$2200.00}, an amount over due unheard of for a residential customer. Moreover, I had asked for information on the reasons surrounding the longevity of this account and circumstances on how it was allowed to be on for so long and accumulate such a high balance with no disconnection notice. Finally Transworld claim to be a successor to XXXX XXXX in a nefarious attempt to shelter the utilities company to submit itself to a legitimate and rightful requests from myself to show me proof that it was a legitimate account established by myself or that I was the responsible person liable for the bills. I am hereby dispute the entire amount allegedly owed and demand that both XXXX XXXX and TSI, Transworld Systems cooperates in providing the information requested.
Product: Mortgage

On XX/XX/XXXX, I tried to make a payment of {$6000.00} to OCWEN to reinstate my home loan. I was informed by OCWEN that the property was sold on XX/XX/XXXX.. 

This was a grievous mistake on the part of the bank as the loan officer told me that I had until the end of the month, XX/XX/XXXX. 

This caused my great difficulty as I had to scramble to secure a new residence..
Product: Debt collection

I have sent debt validation letters to Preferred Lease twice as well as disputing the incorrectly reported information for a Lease for a mattress that was only {$900.00} that now says it is {$2500.00} plus what was already paid. Preferred Lease has not answered phone calls or emails, or replied to debt validation letters. I have received no contact and yet they continue to report the debt as valid to XXXX.
Product: Checking or savings account

Dear CFPB Representative, I am writing to formally file a complaint against Bank of America NA for their unauthorized and unethical withdrawal of funds from my account, causing severe financial and emotional distress to me and my family. 

Background of the Issue : 1. Financial Hardship and Communication : o Since XX/XX/XXXX, I have been experiencing financial hardship, which I have communicated to Bank of America multiple times. 
o As a result of this hardship, I was unable to make payments on my business credit card account, which was subsequently closed on XX/XX/XXXX, for non-payment over 90 days. 
o 2. Recorded Communication : o I spoke to Bank of America representatives on recorded calls on the following dates to inform them of my hardship and my intention to resume payments in XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Unauthorized Withdrawal of Funds : On XX/XX/XXXX, my children received social security backpay from their deceased father. This money, amounting to {$3700.00}, was transferred to my daughters savings account for her needs. 
On XX/XX/XXXX, Bank of America withdrew funds in the amount of {$3.00}, XXXX without authorization to pay the outstanding debt on my closed business credit card account. This action has caused extreme financial and emotional distress, as these funds do not belong to me and are critical for my childrens welfare. 

Details of My Attempt to Resolve the Issue : On XX/XX/XXXX, I contacted Bank of America and was transferred to the Charge-Off Department, where I spoke with XXXX XXXX XXXX XXXX PM ET on a recorded line. 
I explained my hardship, the unauthorized nature of the withdrawal, and the severe impact on my familys well-being. 
XXXX XXXX informed me that Bank of Americas fine print disclosure for the credit card gave them the right to withdraw funds from any of my accounts to settle the debt. However, I was not made aware of this clause when I signed up for the credit card. 
Despite my repeated requests for reversal of the unauthorized transaction, Bank of America has refused to address the matter. 


Request for Assistance : Bank of Americas actions have placed an undue burden on my family, and their refusal to reverse the unauthorized withdrawal is unacceptable. I request the CFPB to intervene and take the following actions : 1. Investigate Bank of Americas Practices : o Review their disclosure practices and whether I was adequately informed about their ability to withdraw funds from other accounts.

2. Order Reimbursement : o Direct Bank of America to reverse the unauthorized withdrawal of {$3600.00} from my daughters savings account.

3. Provide Accountability : o Hold Bank of America accountable for their unethical practices and ensure they comply with consumer protection laws.

Thank you for your attention to this matter. I am attaching any relevant documentation, including transaction records, account statements, and correspondence with Bank of America, to support my complaint. Please feel free to contact me if additional information is needed. I
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX ( XXXX Georgia XXXX ) # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish a account without my written Instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

received notice of inquiry from Experian regarding an inquiry from the XXXX XXXX XXXX XXXX in my name. I have not applied to them in my name, ever. 
XXXX confirms a request in my name for $ XXXX. I informed them it was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN XXXX XXXX XXXX XXXX XXXX FAILDED TO PROPERLY NOTIFY MY OF EXPIRING BENEFITS, THIS WAS DO TO XXXX XXXX XXXX FAILING TO NOTIFY PROTECTION OF ADDRESS CHANGE AND AS A RESULT SUFFERED LATE PAYMENTS ON MY CREDIT REPORTS.
Product: Debt collection

Threatened to reposes a vehicle I traded in on XX/XX/XXXX at dealership if I did not make last payment. Asked for {$280.00} and my payment is actually {$340.00}. became verbally abusive to my mother and falsely represented himself calling my place of business.
Product: Debt collection

I have tried to dispute the account several times and Jefferson Capital continues to miss report. I have reached out for assistance and also have transcripts indicating Jefferson Capital is not reporting correctly and XXXX has no account for me.
Product: Credit card

I received a promotion offer from Chase, it claims receive a {$15.00} statement credit when you spend {$100.00} or more with your Chase Sapphire Preferred credit card in select bill pay categories between XX/XX/XXXX and XX/XX/XXXX. 

I payed water bill with this credit card on XX/XX/XXXX, however Chase claimed I made the payment on XX/XX/XXXX, so they wouldn't give me the {$15.00} statement credit. 

I have evidence to show the I make the payment on XX/XX/XXXX, however due to the latency of Chase payment system, the payment show up on XX/XX/XXXX, it's Chase 's fault, not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

INCORECT BALANCE CAUSING DAMAGE TO MY CREDIT REPORT
Product: Money transfer, virtual currency, or money service

Wells fargo checking account, have sent the wire for some company of XXXXXXXX XXXX XX/XX/XXXX, but I used routing number instead of account number, which I found out that XX/XX/XXXX called WELLS FARGO to cancel and recall that wire and return my money back {$5400.00}. later on WF told me they have filed RECALL XX/XX/XXXX they told me that it was XXXX XXXX was holding the fund, thus asked WF for WIRE TRANSACTION NUMBER that I called XXXX was fast reply email with I.T. TECHNITIAN actually confirmed that fund was returned to WF on same day email XX/XX/XXXX. during that time I called WF 3 times, they postpone the delay time for process confirmation 7 days another 7 days now 1month passed. Local WF called for meeting XX/XX/XXXX called WF customer service that no one filed the WIRE RECALL, which WF WAS TOLD ME each time they said they filed RECALL XX/XX/XXXX and request XXXX 3 TIMES. Now LOCAL WF officer told me wait for another 45 days. WF ( WELLS FARGO ) is actual XXXX XXXX XXXXXXXX XXXX, getting a WIRE confirmation takes 2 month and longer holding the money not returning back to my acct? 
That amount was initially LOAN from WELLS FARGO, that they charging me of 10 % interest while they are holding the money longer each month about {$50.00} interest they are making now 2nd month {$100.00}, 3rd month {$150.00}.
Product: Debt collection

On XX/XX/2023 XXXX am I was harassed by Rep XXXX with XXXX also known as Transworld Systems Inc of an alleged debt. I informed the rep that I was at work and was asked numerous times to not contact me of this debt as to I have no knowledge of. XX/XX/2023 I sent them a notice to request information due to them placing this negativity on my consumer report. I never received any information from them before the notice or a response after the notice. I did not consent a contract with company. They have violated many of the FDCPA laws trying to collect on an allege debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my CFPB complaint XXXX, and other associated complaints, XXXX has updated ALL XXXX Collection accounts on my transunion credit report as " closed ''. This is not good enough whatsoever. While I'm pleased that XXXX/XXXX  has closed those shady accounts, they are still on my report and that is not acceptable. 

As all XXXX of these are considered " unpaid, closed collection accounts '', I have the right to have these XXXX accounts removed from my credit report entirely. Closing them is not enough, I respectfully demand that : 1 ) These XXXX accounts are REMOVED, not " Closed '', from my transunion, XXXX, and XXXX  credit reports 2 ) That XXXX  sends me a signed letter of deletion for all XXXX accounts 3 ) That XXXX  instructs XXXX their law firm ] " The XXXX XXXX XXXX XXXX and XXXX '' to stop threatening to sue me, since they clearly have no basis to collect on closed collection accounts, and that the XXXX XXXX XXXX XXXX and XXXX sends me a signed letter stating they are no longer collecting, in any form, on either of the accounts.
Product: Credit card or prepaid card

CAPITAL ONE Neiman Marcus THERE IS A Neiman Marcus STORE CARD OPENED UNDER MY NAME WHICH IS FRAUD ACCOUNT I NEVER APPLIED OR OPENED THIS ACCOUNT AND THEY WILL NOT REMOVE IT FROM MY CREDIT REPORT I HAVE SENT THEM MY POLICE REPORT FOR IDENTITY THEFT AND THEY ARE NOT REMOVING IT
Product: Mortgage

Dear Nationstar c/o Office of the Comptroller of Currency Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX TX XXXX RE : Nationstar Mortgage XXXX ( XXXX ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not remove after many attempts my credit show i own the over 30k which i dont and it shows duplicate amount, i can prove this the XXXX AND XXXX, MY CREDIT IS RUINED I CAN NOT GET ANY LOANS CARS OR HOUSE, IN A BAD SITUATION
Product: Credit card or prepaid card

I applied for a  XXXX   XXXX   XXXX  credit card in  XXXX   XXXX ,    2017 ( Ref  #  XXXX  ). I checked my application status online and also over the phone. My application status was " In progress '' for two weeks, until its status changed to  " Cancelled ''. American Express t hen asked for " a letter on original letterhead from your bank confirming your home address, including their title and signature. ''  American Express had  also asked for such a letter during a previous application in  XX/XX/XXXX , at that time I got a letter from the financial institution where I ban k (   XXXX   XXXX   XXXX   )  and I faxed it t o American Express ( fax num ber  XXXX  ).  American Express ac cepted the letter and approved my application.    So this time that American Express asked for the letter again, I faxed in the same letter, but they  kept not accepting the letter. I asked  XXXX   XXXX   XXXX  for an updated letter and faxed it again to   American Express, but they rejected the letter again without providing any reason. I am wondering why a letter that religiously meets all the criteria American Express requested, is being rejected for no reason.
Attached to this complaint there is a copy of the letter American Express sent to me asking for letter from my bank, along with the letter I got from my bank and sent to American Express.
Product: Student loan

I started with just over {$70000.00} in XXXX XXXX loan debt that I repaid faithfully until a job loss in XXXX. I ended up on Social Security XXXX. I finally got off of XXXX, finding a job that was suitable for me. In XXXX I was repaying my XXXX XXXX loans at a rate of $ XXXX. My income was reviewed in XXXX the minimum payment they would accept was $ XXXX. Due to Navient 's suggestions of forebearance, because I could not pay the minimum amount due, I have accrued {$55000.00} in INTEREST bringing my total loans from {$70000.00} to a whopping {$120000.00}. Navient 's response, " There is nothing we can do for you until the laws are changed ''. XXXX XXXX loans are excluded from most income driven repayment plans. Instead of offering me a reasonable repayment amount ( $ XXXX ), their goal was to push my loan into forebearance, allowing them to accrue over {$55000.00} in interest now due. My payments went from $ XXXX to $ XXXX according to their " calculations '', even though my income did not double. I am stuck. Navient owns me. the only way to get out from under their heavy hand is to die. I have written many politicians over the years about this. No one cares. SOMEBODY PLEASE MAKE THEM FORGIVE THEIR LOAN SHARK INTEREST ACCRUALS, AND LET PARENT PLUS BORROWERS HAVE MORE OPTIONS FOR RE-PAYMENT. 
Thank you for bringing this situation out into the open. Navient is a XXXX. They do n't care who they kill.
Product: Credit card

In XXXX XXXX, I closed my BILL ME LATER account. 
I made a purchase in XXXX XXXX for {$12.00}. This was somehow charged to PAYPAL CREDIT not my PayPal.com account. 
The {$12.00} charge grew to {$27.00} in late charges, because I did n't know I had a PAYPAL CREDIT account. I suppose it was because I CLOSED THAT ACOUNT SIX YEARS AGO! 
I was able to speak to someone at the PAYPAL CREDIT company, waived the FEES and pay the principle. I CLOSED THE ACCOUNT AGAIN. Fingers crossed this time it sticks. 
Recently PAYPAL was fined and ordered to improve its disclosures for PayPal Credit. They clearly have not done so. 

Regards, XXXX XXXX XXXX XXXX, California XXXX
Product: Consumer Loan

The moment you are 15 days late on your car Payment US. Bank call the house no exaggeration 7 days a wee 2 times a day harassing you for the payment. I have the phone records to prove as the number purposely comes up unavailable because they know what they are doing is wrong calling a person as many times as they do and they need to be reported and stopped.
Product: Credit reporting 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.

Account name : # XXXX, Account name : # XXXX  Account name : # XXXX, Account name : # 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 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 informationisinaccurate.

Please remove these Inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This memorandum is in reference to XXXX XXXX located in XXXX, Florida. This bank declined approval of a card from XXXX because I had an unsatisfactory obligation with their organization. I sent them a letter on XX/XX/2021 explaining my situation so they could correct my credit status. No corrections were made. 
I would appreciate it if XXXX XXXX  would rectify the problem by deleting the erroneous information about my obligation of not paying on my account. I informed them that the doctor deliberately took money for services he did not perform. He was informed within 24 hours to cancel my application and he did not. He did take the funds that XXXX had given to him.
Product: Debt collection

XX/XX/XXXX charged me {$210.00} XX/XX/1929 and they did not talk to me about my rights that I could dispute. XXXX XXXX  sent the funds to be collected to cedar business now XXXX is due
Product: Checking or savings account

I frequently send money to overseas account holders ( foreign banks in their counties ) using wire transfer of bank of America. I had few problems with XXXX banks from this Bank to Bank Wire Transfers. In the past these were resolved. 

Recently XXXX XXXX  was sent to XXXX via Bank Wire Transfer. The recipient in XXXX did not receive it. The Bank in XXXX failed to transfer the money back to Bank of America so that I get my money back. Instead the Bank in XXXX seems to be holding it illegally ( it is not their money ). Bank of America is not making efforts to retrieve the money from threbank in XXXX ( their business partner ).
Product: Debt collection

please reference attachments for complaint, exhibits and specified remedy below is attacheed my current complaint dated XXXX  exhibits of the incorrect amounts with dates the complaint/previous complaint sent to the Attorney general and Aldous & Associates . 
and an invoice