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

XXXX  acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After XXXX  I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. XXXX BANK CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX  XXXX  AND XXXX, EXPERIAN, XXXX XXXX SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
XXXX  acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After XXXX  I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as XXXX thought I was ok. Years passed, I realize its still reporting to my credit. XXXXXXXX XXXX XXXX DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO XXXX XXXX AND XXXX, EXPERIAN, XXXX XXXX SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! XXXX IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD! 
XXXX XXXX  IS REPORTING THIS INFORMATION AS ACCURATE AND VERIFIED. SO HAVE THE CREDIT BUREAUS, YET THEY ARE NOT USING INVESTIGATIONS, THEY ARE NOT PROVIDING ME WITH ANY INFORMATION ON HOW THEIR INVESTIGATION RESULTS WERE CONCLUDED, THEY ARENT PROVIDING DETAILS ( BY LAW ) ON WHICH METHODS OR PRACTICES OR RESOURCES THEY HAVE USED TO COME TO THE DECISON. 

THE AMOUNT IS {$1100.00} ITS ALSO REPORTING MY CREDIT PROFILE AS DELINQUENT, ALSO REPORTING FALSE LATE PAYMENTS ALSO REPORTING AS A CHARGE OFF INCORECTLY AS IT WAS A FRAUD ACCOUNT. THEY ARE CAUSING MY SCORE TO DROP AND MY PROFILE TO BE INACURATE AND DELINQUENT.
Product: Credit card

I called Discover Card to place a block on a merchant ( XXXX XXXX ) from charging my account pending a billing dispute for their cellular service- this was in XX/XX/year>. Discover failed by allowing an unauthorized charge of {$740.00} to process on XX/XX/scrub>XXXX XXXX terminated and closed my three year cellular service contract without resolving the billing dispute to my satisfaction. Discover Card refuses to credit my account- I have made numerous calls and submitted documentation.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

Bank of America send me an unsolicited email message that contained the following statement : " Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX. Please do NOT send any physical mail to this address, especially mail containing sensitive information. 

Need to get in touch? Simply visit our Contact Us page for multiple ways to connect. Please do not reply to this email, as email replies are not monitored. '' Specifically Bank of America does not want me to contact them in writing regarding the matters of the unsolicited email message that raised multiple concerns.
Product: Payday loan, title loan, personal loan, or advance loan

Basically, I paid the full loan but only received half. And was lied to for month by SST. Now I dont have my money and Evolve cant locate my account. 


Details : My seedfi loan was the type of loan you pay in full but the only release half up front and half once everything is paid. Not counting interest. 

I paid on it for years, never missed a payment. Last year a new company took over the loan payments to service XXXX. 
Their name is SST or System and Services Technologies Inc.

I kept making my payments and paid off the loan through SST in XXXX. I was informed that my savings funds were now unlocked and would be sent to me in 3 days. 

Its been a month and after calling weekly to check on the funds I have been told that the funds were at XXXX XXXX  and XXXX but due to the fact that they dissolved their relationship with XXXX  ( the bankrupt fintech brokerage company ). 

No resolution has been made and now with the FDIC involved I will need to wait for them to hopefully find my account during reconciliation so I can receive some of my funds. 

My question is that if SST knew about the bankruptcy for a year why did they allow me to make payments this entire time and tell me that I would get my funds after I paid it off? Its written on their website. Very misleading
Product: Credit card

This late payment is distressing because Ive consistently paid on time. I urge you to fix this error by removing it from my account. 
XXXX XXXX XXXXXXXX, US DEPT ED, US DEPT ED, XXXX XXXX, US DEPT ED, US DEPT ED, DPEDXXXX
Product: Mortgage

My husband, XXXX XXXX, and I had a home mortgage ( I am not sure what kind of mortgage it was ) through Wells Fargo from XXXX - XXXX. I have seen information online that Wells Fargo is paying settlements to consumers who were harmed financially, due to a lawsuit that resulted in a {$3.00} XXXX settlement. I have contacted Wells Fargo and updated my contact information with them, but they were unable to talk to me over the phone about any payments we could potentially receive. I am looking for assistance in this process.
Product: Debt collection

I have been on payment plans for years and realized their amount did not match my amount. So I contacted the agency XX/XX/24 and was told they could not provide me any court documents or any paperwork with my debit and what was originally owed. But they said the court tacked on XXXX  % percent interest. So I stopped payments and then was told they could only give me a paper showing me how much I paid into it. I tried disputing when I was originally contacted and given the response i owed, but I had to hurry and move and buy a house so I paid. I was never once provided paperwork or court paperwork. I believe my rights where violated and didn't think I had any choice but to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize how this account is reporting on my credit report. I don't recognize the account number, I don't recognize the account status, I don't recognize the account high balance, nor do I recognize the late payments associated with it. Everything reported here doesn't meet the FCRA.

15 USC code 1681n civil liability for willful noncompliance 15 USC code 1681o civil liability for negligent noncompliance 15 USC code 1681e compliance procedures
Product: Credit reporting or other personal consumer reports

Inquiries that wasn't authorized 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 XXXXXX/XX/XXXX
Product: Mortgage

I was approved for a trial modification. I made 2 payments. I made a XXXX payment with no problem. 
I called in to confirm they received it and I was advised it was there and has been applied as my first trial payment. My XXXX payment was returned. I called in this month to find out what happened and was placed on hold and the call ended. I called back numerous times and was never advised as to what happened. I asked for supervisors and I was advised either no one was available or that someone would call me back. 
I have a sale date. I need to know what happened with my trial plan so I can keep my home. The letter they sent back with my payment failed to explain what went wrong.
Product: Mortgage

Please Help! 

My wife and I are in an open bankruptcy and have been paying off our debts for the last 4 years. We were very excited to hear recently are bankruptcy was going to be discharged. Going back to XXXX I was off work because of the Covid pandemic and was offered to put my payments in forbearance by Wells Fargo and they stated that during this forbearance time the payments we missed will be tacked on to the end of our loan. When we called in today to start making payments again they are now saying we have to pay the full amount now or we will have to go into foreclosure. They are asking for {$21000.00}. Can they do this? Will my wife and my XXXX little kids all of sudden become homeless now. I sent in numerous emails and waited countless hours on the phone with them and they said after I selected this option on  there website that I was approved. I wanted to be clear that this plan would just take our payments and put them to the back of the loan. Please help us! I'm sure we are not the only family going thru this with Wells Fargo and I really am scared of what is going to happen to us now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have disputed this account countless times this year. it was open back in XXXX and for some reason it still reporting even though it is closed for collections. 

TRANSUNION AND XXXX IS STILL REPORTING THIS XXXX XXXX XXXX STATUS. THIS SHOULD BE REMOVED AND CLOSED. 

IT HAS BEEN REMOVED FROM XXXX WITH XXXX. IT SHOWS DEROGATORY ON MY REPORT AND PREVENTING ME FROM MOVING FORWARD. 

THIS ACCOUNT IS OLD AND IN A FALL OFF STATUS. AS LONG AS IT REMAINS YOU GUYS ALLOW THE COMPANIES TO RETRY AND KEEP THE CREDIT ATTACHED AND THAT IS ILLEGAL AND A INCCURANCY
Product: Checking or savings account

On XXXX XX/XX/2022, I deposited a check of {$4000.00}. 
XXXX  morning, XX/XX/2022, I received a email saying I had ending balance of XXXX for the tansactions I had pending and a negative balance of {$210.00}. So I transferred {$250.00} from my saving account to cover the pending transactions. 
With Wells fargo if I have XXXX balance and I am using my card on purchases the pending transactions will still bring my balance down as I use it. Even if it has not been posted the balance comes down. 
So today when my check cleared it should have a available balance of XXXX, but to my surprise, my balance is only {$3400.00}. 
I called wells fargo to see what was going on and no one there seems to be able to help me with my account. All they say is ok. Its not ok. Where is the rest of my money. 
They said I had transactions that had not been posted. But those transactions have already came down on my previous balance. 


On another note, I know they are still XXXX people. I closed a account over XXXX years ago and I received a check from them for {$19.00} for over charges. Thats what the letter said, but in reality how do I really know what they are stealing from me.
Product: Bank account or service

Popular Community Bank 's mobile application lists completely surcharge free atms on a map around you. I went to a listed surcharge free atm and was charged an atm fee and a bank fee. When I called Popular Community Bank customer support they said the atm was no longer in their network. Upon further questioning I was told the atm list has n't been updated since XXXX ( 7 days ). They said they 'd only give me a credit for the bank fee and not the atm fee because their system was wrong but it makes me wonder how many other consumers got stiffed with bank fees when unknowingly using atms that had not been removed from the app. I was not able to find out how often this happens. In their 2015 annual report to investors, Popular Community Bank claimed to serve XXXX clients with access to more than XXXX atms. If Popular was incorrectly charging bank fees for XXXX out of the XXXX atms in my community, then how many other communities and clients were affected and how much money in bank fees does Popular make during the time when their atm list is " outdated ''?
Product: Mortgage

The Co. is Specialized Loan Serviving, XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX The last 2 months i haven't been getting a statement so i can pay my bill. I have called 4 times to ask for them, they tell me it's in the mail. 

They won't look into it or anything. I think they want me to be late so they can take my house. 

They did the same stuff in XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern.
Product: Debt collection

I have recieved 93 calls from this collector. I have requested to discontinue contact in the past with no success. I am unsure that I ever received written communication with the collector.
Product: Debt collection

According to my recent credit report I have an account in the amount {$1000.00} from XX/XX/2015 placed in collections I was not aware of. I have tried to work out the problem with the company informing them I was not a member of their company and belong to their competitor. Also, I had not receive any information regarding the problem in a timely manner to activate a dispute.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXXXXXX account # listed below has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX states I have the right privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX XXXX A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason This is what I have so far that Im REMOVING ( Delete ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ( REMOVE ACCOUNT IMMEDIATELY )
Product: Vehicle loan or lease

Bank of America is taking unauthorized multiple payments of my checking account for my auto loan. I am ahead on my loan and have never had a delinquent account. This is occurring due a third party online banking glitch on their end. They are refusing to correct this issue and make a priority. I have called over 50 times begging for help because they are stealing money they aren't approved to take and absolutely refuse to correct the issue and blame different departments. They claim I need to speak to a supervisor but that no supervisors are available when I call. It's causing severe mental health stress for me and also causing issues with my other finances. This has been going on multiple months. 

Bank of America XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not permit DISCOVER XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To run an inquiry on my credit. I have not written anything saying that I was interested in. I don't even shop with these companies.
Product: Mortgage

XXXX XXXX, XXXX Nationstar Mortgage is refusing to give details as to some XXXX of unspecified charges that were added to our Mortgage. Our mortgage Balance is XXXX now when our first Mortgage note was XXXX 10 years ago. We were never more than 3 months behind on our mortgage thus there could never be XXXX in deferred interest. We realized the seriousness of the issue when we contacted Nationstar for a refinance and were told that there is a specified second mortgage on the house and that they could not refinance us, nor could anyone else. We do not have a second mortgage, we make XXXX payment. 

Sequence of events : XXXX XXXX : We had contacted Nationstar for some account research with an official XXXX request. They assigned a number XXXX. 

Representative XXXX XXXX in XXXX Tx began to investigate the issue and could not explain what the charges were except to say that they were added during a government sponsored making home affordable modification. 

On XXXX XXXX, XXXX she confirmed Nationstar does not have the actual details of the charges and that they were reaching out to the mortgage owner. I have attache said correspondence. 

XXXX XXXX stopped talking to us and everyone else can no longer see the case. XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX were all involved in or first mortgage origination and modification, yet they all seem to have thrown out all the evidence. 

We ask that the CFPB give XXXX XXXX a deadline to accurately detail the charges that build up our balance higher than our original note. This can not be called " deferred principle '' because we did not originate this amount. They need to describe each line item as a fee, penalty or differed interest and back up with the proper paperwork. If not done in a timely fashion, we ask CFPB assist in removal of this fraudulent amount. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially emailed XXXX  and XXXX, a basic dispute letter asking them to verify that the information on my credit report was reporting accurately. XXXX  responded with a generic response saying that it was updated. I disputed the account with IC systems, debt collector involved. IC systems responded that they will no longer be collecting on the account, and that they will ask the reporting bureaus to delete the information. XXXX   had this account as a duplicate, they deleted one and left the other, Although I provided them with the letter from IC System. XXXX   responded twice with Updated. How can they update an account was they was told from the debt collector to DELETE. I sent XXXX another dispute along with the letters, pointing out FCRA VIOLATIONS and another copy of the letter sent from IC sytames, saying for the bureaus to delete the tradeline. XXXX  responded again saying that the account was updated. I called XXXX  and spoke with a customer service rep. who told me that would open another dispute. They sent information saying they could not located my file in their database. I have enclosed all information below. I am seeking counsel for the violations in questions. Both XXXX  have IC under a DIFFERENT ACCOUNT than the account number IC system sent. However the account number is WRONG as well.