23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, 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 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

This company maliciously damaged my credit report without allowing a rebuttal. This debt is not mine.
Product: Mortgage

On XXXX XXXX I received a call from a Wells Fargo rep stating that to avoid forclosue on my home I was to pay XXXX by XXXX XXXX. She gave me both the amount and date. I went to local branch on that day to pay and the local rep called in on how to proceed with payment. She was informed that I actually went into forclosue the same date of the phone call. I was then told I would have to be sent a reinstatement letter and pay that by due date. They never sent. I called back again and they apologized and would send another. I got it and it was XXXX more than the initial agreement. I called to dispute as the deal originally was past due payment only, no late fees or anything else. The reinstatement had late fees and attorney fees on it. They then put my account to review for the dispute. Then delayed the outcome of the review at least once maybe twice. When I finally got an answer they said everything was handed properly from their side. Admitted that the original called had given me the dollar amount but said no where on the tapes did she give me that date. Which is an outright lie. I requested a copy of the original call recording and they refused that unless they were court ordered to. If they have nothing to hide why are they refusing? They are trying to pull a fast one on me as they have to many others. It is n't right and I wo n't stand for it. I want a copy of the original recording. And I want them to come to an agreement on the original deal. It will be more now, yes but it should be what was promised in the beginning. All past due payments. Late fees on the back end and absolutely no lawyer 's fees as this is there companies mis communication not mine. I have been trying to pay since XX/XX/XXXX but I wo n't pay what was not agreed upon. Please help.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have been informed that there are negative information reported by US Bankruptcy in the file you maintain under my social security number. Upon ordering my credit report, I see 3 entrys from this court listing with reference # XXXX Filed XX/XX/XXXX, and Reference # XXXX Filed XX/XX/XXXX and Refrence # XXXX Filed XX/XX/XXXX The entrys with this court appears to be inaccurate.

Please verify and validate this this information with the court and provide with documentation associated with these accounts granting you authorization to report this information, bearing my signature, I formally request this information be immediately deleted from the credit profile you maintain under my social security number.

Best Regards
Product: Credit card or prepaid card

Bestbuy, is charging me {$830.00} in interest adding this amount to the amount that I already owned to this institution. They have a promotion to pay in 24 months but if this amount is not paid in total of the 24 months, they charge the total amount owned as interest rate. When I called them, they pushed to make me pay the full amount or the interest rate will continue. 
I have this store credit card for almost 10 years and I have never saw this charges. This is unfair and greedy. I have the statements to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 closed accounts with XXXX balance and they are still on my credit report Capital One/ Kohls/ capital one/ XXXX XXXX/ and XXXX credit card that is reporting on all the threes credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX Account Number : XXXX AMOUNT : {$77000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$20000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$300.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$730.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1300.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1300.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1300.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1300.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1300.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$970.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$970.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX ) Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX ) Account Number : XXXX AMOUNT : {$970.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX ) Account Number : XXXX AMOUNT : {$350.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$440.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account Number : XXXX AMOUNT : {$520.00} Reason : Account is fraudulent Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX AV XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX US DEPARTMENT OF EDU XXXX Balance {$120000.00} Opened XXXX. XXXX, XXXX XXXX DEPARTMENT OF EDU XXXX Balance {$92000.00} Opened XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Balance {$2100.00} Opened 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  Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX CXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

XXXX continued. 

Spoke with XXXX XXXX from the WF Exec office, and as per my prior conversation XXXX XXXX and WF continue their trickery. 

I never agreed to the mediation resolution for the HELOC loan. There is no documentation and I never agreed.

The sole purpose of the mediation was to discuss the HELOC loan and my request for XXXX, XXXX XXXX The trickery is that WF agreed to discuss a CHECKING ACCOUNT only and agreed to discuss the HELOC loan at a later date, after the mediation WF continues false assumptions to what was discussed in the mediation and is tricking CFPB and other customers in more fraudulent behavior. 

XXXX XXXX and XXXX XXXX do not tell the truth and are misleading CFPB. Please reach out to alternative POCs at WF. 



Per WFs request by mail to go through a mediation process on XX/XX/2023, may we please proceed. Please assure that WF does not apply trickery and delay tactics as they practice on a ongoing process. All the issues are real and they need to be held to account. WF has belayed and continues to say that they have reviewed the issues yet has done nothing. WF never looked into the fraudulent activities of XXXX XXXX XXXX. The Builder XXXX  XXXX has passed, was sued by all the clients and filed for bankruptcy and eventually filled for title... I provided XXXX XXXXXXXX XXXX phone number and all other contact information, The bank is liable for his actions and all the other questionable banking activities. I asked not to close the loan, no other bank would provide banking services to XXXX XXXX and through out the loan WF behaved in an unprofessional matter befitting a bank. WF tricked me into going to mediation and only agreed to discuss the checking account and then turned around and stated that the mediation pertained to all the issues with WF which is untrue. They should be out of the banking business and the mediation lawyer assured me that I can pursue the issues but refused to provide a written statement. Please investigate WF for fraud and lying to customers and gaining financially. They were required by CFPBB to make good on their wrong doing yet they have yet to provide adequate compensation. The WF game continues. The gate keepers, XXXX XXXX and XXXX XXXX are following the WF line and should be in a different position or business. Please provide a more truth telling POC WF as in the past is playing the clock. Please hold them to account so we may truthfully mediate.
Product: Payday loan, title loan, or personal loan

OnXX/XX/2015, I took out a loan with Avant for {$1700.00} with APR at 35.96 %. Total amount to be repaid is {$2800.00} with the monthly payment being {$77.00}.

I have made 42 Payments for a total of {$3000.00} over the last 36 months and I still owe {$260.00} on the loan. That is a total of {$3300.00} which is much higher than the amount originally defined in the loan terms.

XXXX ( Where I reside ) state law states that there will be no interest rate higher than 24 %. Even though I reside in XXXX, there is one line in the fine print of the contract for this loan that states that " Except to the extent, if any, prohibited by applicable law, this Note and all controversies relating to this Note are governed by federal law and, to the extent state law applies, the law of the State of XXXX. ". Because of this line, they are allowed to set any interest rate they desire as XXXX has no ceiling for their APR legally.

Even though the APR is high, I still owe more money than expected for some reason. We have attempted to work with the company several times but they WILL NOT offer any specific explanation of where the extra money we owe came from. The most they will say is that it is due to the " interest charges '' and if we want to stop accruing interest at a daily rate, we need to pay off the remaining amount of the loan ASAP.
Product: Prepaid card

Hello- XXXX and hopefully last complaint in XXXX. 
XXXX XXXX gift card issue-so this all happened XX/XX/XXXX XXXX & I am writing this just before XXXXXXXX XXXX XXXX XXXX ... As a test I purchased a XXXX XXXX XXXX from XXXX very popular item. My intent was to link it to my XXXX. It seems Im not able to This is just background as I accept it can not be done. 
So now I want my cash back so I look to sell it knowing I may take. A loss. 

Now for the interesting issue/complaint I go to a website called : XXXX  I register and fill in the form and right away the site takes the {$500.00} in my XXXX XXXX XXXXXXXX XXXX and states I have a BALANCE of $ XXXXXXXX XXXX {$75.00} right off the total. Could not help but laugh. I guess I SOLD my gift card.
Product: Money transfer, virtual currency, or money service

I have a cash app linked to my XXXX XXXX XXXX XXXX XXXX account. I send and receive funds through this account. On XX/XX/XXXX, a tenant cash app my rent in the amount of {$260.00}, at XXXX. I elected to receive these funds in three days. However, I did not receive these funds in my XXXX XXXX XXXX XXXX XXXX account, and I have not received these funds to this day. On the same day cash app stated that the transaction was complete. Sinch the funds were not deposited into my account, I contacted cash app the same day, XX/XX/XXXX, and informed them that the funds were not in my credit union account. I contacted cash app on numerous occasions through messaging. I was informed that they were working on resolving the problem. Each time that I contacted them, I was given the same message. I never got an answer as to where the money went. The case has not been resolved. On XX/XX/XXXX, I received {$650.00} of rent money in my cash app account. I elected to receive the funds in 3 days to avoid the cash app fee from the direction of an employee in my credit union. Again, these funds went missing as well. Again, I made inquiry with cash app to find out where my money went. I have communicated with 3 people from cash app, and they say an ongoing investigation is being conducted. During a conversation I had with one of the employees of cash app. One of the employees advised me to go to my cash app profile, and I went to my profile, and he said to go under link bank. There I found there was a bank of some other account listed underneath my credit union account called XXXX XXXX. According to cash app representative, the money went into the XXXX account, which I have no knowledge of this account. The account has since been removed from my bank link. According to cash app, my money went into the XXXX XXXX account. My credit Union attempted to research but was unable to do so because they needed the last 4-digits of the account. The XXXX has 3-digits XXXX. I am in need of retrieving the money. I need your help, please.
Product: Checking or savings account

This is to get resolved on transferring my available funds in my savings acct. at Goldmans Sacks Bank USA, website by marcus.com. I have my this savings acct. for more than 10 years. 

For last 3~4 weeks, I tried to do online transfer of my available money at my sav. acct in Goldmans Sacks Bank USA, website by marcus.com, to other financial institutes with better saving rate or investment options due to ongoing higher inflation. 

I was able to log in my acct. at marcus.com each time, but keep getting the error mesg. 'website has technical problem, come back later ', my online transfer can't go through. 
I called their customer support at XXXX yesterday to resolve the freeze of my acct. The 1st representative verified my identity by verifying my secret pass code, I asked the representative to un-freeze my acct and let me transfer my available money in this acct. She refused and instead transfer me to another representative. The 2nd representative spent ~ one hour on the phone, making excuse of verifying my identity., asking me my family infor., instead asking me the standard security questions, as all other banks do, my current address, places I had lived, etc. At the end, the 2nd representative refused to un-freeze my acct. And told me I need to send additional proof to them. 

This is the worst nightmare as a bank customer I ever have. I have this acct for more than 10 years and it worked ok until~ 4 weeks ago to transfer in and out my available money in my acct. Also, other smaller banks online offering better saving rate usually help me over the phone to transfer my money in a few minutes. 

Also, I received Transfer Failure Notice from my other local bank, XXXX, here, shown below : ' On XX/XX/2022, you initiated deposit verification for your account : Goldman Sachs Bank USA, XXXX, Savings # # # # # # # # '
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a ding on my credit report in regards to a purchase I made with XXXX Synchrony. I paid off the debt and the creditor closed the account as " delinquent ''.
Product: Checking or savings account

I attempted to open a Discover checking account on XX/XX/XXXX and I was denied based on a composite score of my last 10 years of public records provided by XXXX. I do not owe money to any bank, nor have I ever been reported to XXXX for owing money to a bank in my entire lifetime, but I was denied based on the following characteristics of my past 10 years of public records obtained from a report by XXXX:1) Time in Months at Inquiry Address2) Number of address changes reported in the last 12 months3) Number of address changes reported in the last 60 months3) Number of Properties owned4) Wealth Index5) Total number of non-derogatory public records6) Total number of derogatory public records7) Total in months since most recently recorded derogatory public record8) Total number of lien records (both filed and released)9) Total number of released liens10) Total number of bankruptcy filings11) Total number of evictionsTo this, they assign me a score based on public records and Discover Bank, while giving me an unsecured credit card, refused to open a DEPOSIT ACCOUNT based on this worst possible score as presented by XXXX. Discover bank refuses to allow me to appeal this decision, nor do they offer any kind of appeal process for those who are denied. They are simply denied until public records improve without chance for appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance : {$770.00}.
Product: Debt collection

Validation Of Debt * Original Contract * Proof this debt is owed
Product: Vehicle loan or lease

Capital One Auto Finance has, in error, reported derogatory and erroneous information to the credit bureaus for an account that not only has a perfect payment history, but is paid ahead. They have transferred my account to an outsourced department, XXXX XXXX, that is not responsible for these errors. That said, this department can not assist me. In addition, after uncounted attempts, I have been unable to reach an associate at Capital One to assist me. I am repeatedly transferred to XXXX XXXX. I have opened a dispute with the credit bureaus and confident that the matter will be resolved from that end. Regardless, it is unacceptable that I can not get in contact with a Capital One representative to address this matter and should have to wait for the credit bureaus to handle it.
Product: Checking or savings account

On XX/XX/2019, I tried to open a new savings account with Marcus ( Goldman Sachs Bank USA ). I received a message stating that I'd need to call the company the next day to provide further information. I did so on the morning of XX/XX/2019, and was informed that my application for a savings account was rejected due to security reasons. I asked for further information, but was told this was forbidden. This is not the first time I have had problems like this with Goldman Sachs.
Product: Debt collection

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> the Closed account NAVY FCU ( Account XXXX : XXXX. was paid in full my consumer ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4700.00}, {$0.00}, {$2800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- XXXX XXXX 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.