23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

on XX/XX/2023, I made several calls from phone number XXXX, I wired settlement funds in the amount of {$110000.00} to a corporate credit card ( I sent the wrong number, I meant to send it to my checking account ). 
The issue is that they keep putting me on hold and refuse to send the money back. THis is VERY urgent and would like assistance as soon as possible. I was left on hold 3 times for 40 minutes each. No songs, no person, they would leave. 
They are trying to keep my money. I know they are struggling, but didnt expect this. 
I now am calling and cant get anyone on the phone. 

THey have my money in an account i can not access and they keep putting me on hold. Very intimidating and predatory behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still letting XXXX XXXX Report XXXX on my Credit Report I want it Removed I worked for them over 15 Years
Product: Mortgage

Shell Point used to be my servicer then my account was sent to XXXX then late back again to Shell Point. Shell Point said they received my account with a shortage but have no record of why their was a shortage. I asked them to prove the shortage and they said they can't because they can only go back so far. All they keep saying is that every thing is correct but they can't/ will not provide proof because they say the shortage was just given to them and they don't know where it came from and can not find out where it came from. 

I believe this is a trick the mortgage companies do when tossing around mortgages from one servicer to another. They pass the mortgage on with a debt or shortage which can never be proven. 

Even though my home owners insurance went way down, I still owe more based on some made up shortage that can't be proven. 

I have been tossed around from one servicing company to another about 10 times. 

All so that they can pull off tricks and not be regulated like a bank but somehow still controlled by a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX XXXX XX/XX/2020, my mortgage company ( XXXX ) allowed forbearance, due to the pandemic. I was granted forbearance during XXXX, XXXX, and XXXX. In XX/XX/2020, I paid the past due amount and became current. I notice that my credit score was reduce because it didn't show that payment was received by my mortgage company during the months of forbearance ( XXXX ). I told XXXX  the reason I did not make the payments and they refused to add my credit score back to where it had been.
Product: Checking or savings account

On XX/XX/XXXX two withdrawals were made from my checking account using my debit card numbers. One charge was {$19.00} and the other {$1000.00} paid to First Progress Bank. That bank sells prepaid credit cards. 
I did not make that purchase. I believe my card numbers were leaked or stolen on the internet. 
I tried to call, email, First Progress Bank and they hung up on me.. There seems to be no way for them to freeze those stolen funds while my bank works on their end. First Progress seems to be set up for scammers. Please help.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that an account was not reporting accurately. I had two late payments on an account that it was in fact paid on time. The consumer reporting agencies have need to report all information with the correct accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/2024 ). I'm now requesting for you to investigate and provide verifiable proof withs records showing that I had late payments. if this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX XXXX  Acct # XXXX
Product: Debt collection

Credit Collections Services XXXX, MA. XXXX Acct # XXXX Opened on : XXXX XXXX, XXXX  Reporting past due : {$440.00} The company above has reported to all credit bureaus which has resulted in a change on my credit report. The law 15 U.S. Code 1692c clearly states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. With that being said, both companies are violating my rights and should cease immediately.
Product: Debt collection

The company is bogus. The name is Frost-Arnett and they claim to represent XXXX XXXX XXXX. That isn't even the name of the company anymore XXXX XXXX XXXX XXXX. They claim I owe them {$150.00} and the date is XX/XX/2021. Their company address is XXXX XXXX XXXX XXXX, TN XXXX. Their phone number is XXXX XXXX XXXX XXXX XXXX and their website address is : www.facpayments.com. Please take care of this fake company immediately ....
Product: Checking or savings account

I submitted a complaint to the CFPB regarding this same institution. They claimed to have resolved the previous issue but had lied with regards to consumer contact. Since they have charged my account several fees then closed my account without notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few accounts on my credit report I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been disputing negative accounts on my credit report for a while now since XX/XX/2019 sending in my letters regarding the following negative accounts : XXXX XXXX- XXXX XXXX XXXX - XXXX and I have not received not one response from the agencies and I am aware that by law they have to give a response and they have 30 business days to respond and also correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SD XXXX Account number : XXXX Certified Mail # Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all above disclosures required by Federal. 

XXXX XXXX XXXX, XXXX ( All Rights Reserved )
Product: Credit reporting or other personal consumer reports

Upon previous submission for previous complaint illegally reported information was requested to be removed from my credit report. Upon request a few requested items where remove upon illegally being reported. However due to the illegally reported items being on my report and the right to opt out XXXX XXXX  XXXX not being honored and allowing companies to take a peak at my credit report while the illegally reporting items where reporting I suffered a great deal. I request that {$1000.00} be compensation for each individual inquire that was removed as well as negative impacting Items that were removed. I believe I should be compensated for punitive damages it is because of the illegally reported items that for several years I was unable up obtain a car, purchase a house, get the a credit card approval, a loan or rental stay
Product: Debt collection

In XXXX  I made a loan for {$8000.00} from XXXX XXXX or XXXX XXXX XXXX account number XXXX. I just received a bill for {$4900.00} dated XXXX {$4900.00}. I have paid over {$10000.00} for this bill. I have had my banks give me statements documenting the payments. I am waiting for XXXX additional statements that reflects payments directly to XXXX XXXX for over {$1300.00}. 

Here are the dates from my account with XXXX XXXX XXXX XXXX  : XXXX - {$500.00} XXXX - XXXX XXXX XXXX XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} XXXX - {$400.00} Please help me obtain a record of all payments from this company? Because I am sure I dont owe them {$4900.00}. I am waiting for bank statements from my credit union.
Product: Credit reporting or other personal consumer reports

Please, you have to remove this information from my credit report. I didn't give permission for them to do this These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXX XXXX XXXX late payments XXXX XXXX XXXX XXXX XXXX XXXX 

Credit check XXXX
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 
Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX XXXX , XXXX. 
Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany:XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX/XXXX Date:XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit reports : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$800.00} Company : Untitled { MEDICALUnpaid, Unpaid, Collection Account } Account # :  XXXX Date Open:XX/XX/XXXX Balance : {$540.00} Company : XXXX XXXX  XXXX / XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$100.00} Company : XXXX, XXXX. 
Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1800.00} Company : XXXX   XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$520.00} Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$1500.00} Company : XXXX/XXXX  Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00}
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. They must remove any accounts that were opened without my knowledge, consent, or authority within 4 business days. 
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

Transunion is refusing to remove outdated negative information from my personal credit report. There are multiple accounts with XXXX XX/XX/XXXX that include late payment history from XX/XX/2012 indicated on my credit report. These late payments began XX/XX/12 according to XXXX. I have disputed this information with Transunion multiple times yet they refuse to delete this outdated information. They do not list a date of first delinquency on my credit report nor are they able to provide a date of first delinquency when I have contacted them by telephone. 





It is my understanding on the FCRA : Late payments remain on your credit report 7 years from the original delinquency date, regardless if the payment is made and the account is current or if the account is closed and the payment is never received.
Product: Debt collection

I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XXXX XXXX and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.
Product: Debt collection

This is a cellular bill, so I used to be a XXXX customer untill XXXX of XX/XX/2022 when I transferred to XXXX XXXX. XXXX sent me a bill couple months later saying I owe them {$220.00} for a XXXX bill which is ridiculous for XXXX reasons ; XXXX - I didn't use a XXXX XXXX that month, XXXX - my bill was never that much for a month it didn't exceed {$80.00} the most, so this is a robbery to me, I have searched it up and they did it to a lot people and now a money I never owed in the first place is affecting my credit score.
Product: Checking or savings account

This past week Ally Bank seems to have been hit with a string of fraudulent activity as there is significant activity on the internet users are calling out specifically ally. My account with ally is one of those impacted by fraudulent charges from XXXX XXXX XXXX and XXXX XXXX. Requested to chat with a customer service agent who 14 hours later at XXXX ( while I was sleeping ) finally responded with unhelpful information. Trying to get ahold of someone to discuss this fraudulent activity is absolutely painful and ally has been radio silence. Ally YOU need to be more proactive around these efforts and transparent, this is killer to any aspect of trust I have with you and my financial future.
Product: Credit reporting or other personal consumer reports

I have not authorized these inquiries, and they have nothing to do with my financial activity. I want my credit report to be immediately updated with their removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified Consultants have placed a fraudulent collection account on my credit report. I have never heard of this company nor interacted with this company at any timing. I submitted written notification to this company through certified mail in XX/XX/2019 to request written proof on the debt that was claimed on my report. I received no follow up communication nor legal proof of the debt reported.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF ED/XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 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.

DEPT OF EDXXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

My ATM card was used in California ( in person ) but I and my card was not in California I live in Pennsylvania. I filed a dispute with Ally but Ally determined that the it was a valid transaction. I called the company that charged me, They have multiple call centers under multiple names and it was pretty obvious that this was a scam but Ally did not see it this way. I called Ally multiple times to resolve this with the evidence I had gained but they refused to deal with it saying they could not re-open the dispute. So now I have no recourse. I know for a fact that this is a fraudulent transaction.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/year>. XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, SUITE XXXX, XXXX XXXX TX XXXX, ( XXXX ) XXXX
Product: Credit card or prepaid card

Wells Fargo consumer account Received email saying my payment hadnt been received. Was due that day. I thought I had Autopay for {$1000.00} but because of email ( and same late info when I logged in to WF ) I paid {$700.00} immediately. Then as soon as my payment posted I got an email saying the {$1000.00} had also posted. 

Called customer service and was told THERE IS NO WAY to apply my EXTRA payment to my upcoming XXXX payment. 

Called again, told the same thing, and asked for supervisor. Undoubtedly was the person sitting next to the one I asked to transfer me to her Supervisor. No chance this was a Supervisor. Or if so they need to fire all their supervisors. Supervisor told me nothing in the universe could allow WF to apply this vast overpayment to my XXXX  payment.

Wells Fargo XXXX. Its not enough that they stole millions or billions a couple years ago through criminal practices. Clearly WF still wants to do things the same way.

I filed a complaint but several days ago no calls as were promised. Ill never get a reply from them so Im preparing hoping you can help?
Product: Checking or savings account

Deposited XXXX grant check for {$7600.00} PNC put a perpetual vindictive hold and not allow access to funds for about 2 years. I clearly demostrated who intended payee was. I just recieved a notive of repayment by XXXX XXXXXXXX XXXX Account has been restricted and locked debit card de activated without my concent. 



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

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX XXXX of Inquiry XX/XX/2024, XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX  Date of Inquiry XX/XX/2024, XXXX  & XXXX Date of Inquiry XX/XX/2024, XXXX Date of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024, XXXX XXXX  Date of XXXX XX/XX/2024, XXXXXXXXDate of Inquiry XX/XX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX/2024 & XXXX XXXX XXXX 0Date of Inquiry XX/XX/2024XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following unauthorized hard inquiries on my credit report, as I am a victim of identity theft. These inquiries were made without my consent or knowledge and are the result of fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am requesting that you immediately remove the unauthorized hard inquiries from my credit report. As per the provisions of the FCRA, victims of identity theft have the right to have fraudulent information removed from their credit file. 

The unauthorized hard inquiries I am disputing are as follows : Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX  XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX XXXX
Product: Mortgage

The loan was paid in full on or about XX/XX/19. There is a balance of escrow in the amount of XXXX due back. To this date the loan company HAS NOT refunded this amount, even after numerous phone calls to customer service/escrow dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$470.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX