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

I have a checking account with Wells Fargo that is being use for someone else, on XX/XX/year> I went to the banking institution to file a claim and they came back a day later telling me that they can not find anything wrong with the account. 

I have over XXXX transactions from XX/XX/year> to XX/XX/year> totaling around {$45000.00} of fraudulent transactions in my banking account the transactions include : -rent payments -names of one person receiving money from my account -shopping in stores ( XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and more Most of these transactions were made using XXXX, and i don't even have a paypal account after receiving the negative from the bank we called paypal and they told me that they need my bank to get involve in this issue before they step in. 
I proceed to call my bank back they told me that the case were going to be elevated. i called again in XX/XX/year> and again they came back telling they did everything but they did not find anything wrong. 
We went to the police and file a police report but again they need the bank to get involve in this. 
at this point i don't know what else to do
Product: Debt collection

On XX/XX/2022 I received a letter from Peter Roberts & Associates XXXX Inc stating that I owed {$990.00} to XXXX XXXX. After first disputing the debt the collection agency has continued to pursue collection on the debt even though their client has illegally failed to file the claim against my health insurance after asking them to for over XXXX months.
Product: Debt collection

Per certified mail tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
Product: Student loan

I have XXXX private student loans with chase - all from the same type of loan program. All of the loans have completely different interest rates and I feel that chase is choosing the loans with the highest balance and associating it with the highest interest rate. this is not a fair practice as I am actively and unsuccessfully able to make these loan payments. How can a XXXX $ loan bear interest of 10 % while a lower amount loan bears interest of 5.9 %. This is completely and utterly ridiculous and making it impossible to get out from under this debt. I am again, desperately asking for some type of loan modification to bring these loans to a status that myself and cosigner can successfully pay. This practice of charging extremely high interest rates to customers is a awful business practice and needs to be investigated. Chase has been willing to temporarily reduce my payments - when the payments return to the full amount there will be a XXXX % default on my end as it is IMPOSSIBLE to pay the amount asked. Again, I plea that we can come to some type of agreement to modify loan terms or some type of forgiveness because the direction we are headed is not goign to turn out well for either parties as I desperately want to pay these loans back. If anything these rates should be lowered and chase should be investigated for predatory practices as no one my age and with my salary would ever be able to pay these loans. The loans were given without school certification.
Product: Checking or savings account

Hello, Navy Federal Credit Union 's unable to retrieve my funds via a dispute, for an unused ticket with XXXX. Both the travel agency and bank, confirmed a refund was attempted. However, the bank claims it was rejected based on an incorrect " authorization code. '' On the contrary, XXXX states it was processed on XX/XX/XXXX. Since then, Navy Federal supplied me with information which details, instructions for submitting the payment on an updated card. Consequently, I'm pondered as to why the funds weren't processed into my account regardless, of weather the card was active or not. Even though, a dispute remains in progress with the bank for {$1400.00}. XXXX, I'm concerned my funds have been lost without a valid explanation. At your convenience, would you please assist with recovering my lost funds? 

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

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts.

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account number : XXXX DEPTEDXXXX  Account number : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

My concern was, I was being charge for overdraft fees & fees because there was a delay in transactions being processed when paying my bills. I will continuously call the bank dispute, overdraft fees, which was draining my account, causing my bills to be delayed. The bank will credit some but still charge me overdraft fee. I eventually left that bank and went to XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I had an alert on my phone that my XXXX ID had been used to log in in a different country this morning. Shortly after I received an email stating that there was a hard inquiry on my credit report when I checked it it was from American Express. I called American Express and they told me they have no knowledge of a credit check being ran in my name. I would like to figure out how and why this happened and stop it if someone is attempting to commit fraud against me.
Product: Credit reporting

well lets see I have been disputing fraudulent reports they put on my credit report out dated in formation been XXXX.5 years ago was deleted back on then XXXX auto loans not mine been deleted back on XXXX paid of loans deleted my paid of mortgage paid of in XXXX XXXX deleted XXXX inquires not mine under fraud alert with incorrect phone number XXXX not mine never has been mine mine is XXXX I put on security freeze and fraud alert back in XXXX XXXX I have n't seen credit report till XXXX XXXX XXXX in 13 months and trying too dispute stuff not mine even stuff put on in XXXX I knew nothing of it due too Equifax do n't follow the fcra they will tell you that too as well I just mailed out disputes off XXXX items that are not me period mailed out XXXX XXXX XXXX I know it takes few days too get there but they have 21 days too the date too dispute them items that are not mine they removed on there on free will I did n't know I never seen my credit report all I got was emails from them for {$20.00} I can see them they wanted money I wanted results according too the fcra and the fdcpa and the cfpb they have too send me hard copies there was XXXX inquiries on there how it was frozen under the state legislature I thought its frozen I pulled from the Equifax credit monitoring it showed XXXX blank page but it hade fraud alert with XXXX hows that I have called them too put my number back on XXXX she told me they do n't do that I said why in the consumer and identity victim she laughed at me told me sorry about your luck but we do what we want as we want I asked her they sent me paper work for me too mail my dl and bill I did back in XXXX XXXX XXXX it took till XXXX XXXX XXXX too get it hard copy finally after 14 months I called them tried too do dispute over the phone with confirmation number they said they do n't do that no more I told her I said you are supposed too as im signed up with you as member you laughed hung up on me I got another lady got her id number told me they have a lot of complaints about her and few other not wanting too dispute on the phone are on line im blocked on line due too fraud alert and security freeze I asked her can she help she said they were so busy due too the weather she would get me hard copy out fast and get back in they get on it and I told her its the first time since I seen my credit report in 14 months she said they have been going out I told her where she said it was private information im the victim where she told me her manager would n't let her help me im XXXX veteran she felt bad she told me hang in there I cant hang in there I have ton of inquires dated for XXXX and XXXX hows that possible due too the security freeze and fraud alert they must call freeze want let you see your credit report please help me I went from XXXX know too XXXX hows that possible this is my credit history and know these days everything has gone too credit XXXX you almost cant buy pack of gum with out credit im veteran please help me thanks
Product: Credit reporting or other personal consumer reports

In response to TU, and addressing XXXX XXXX and any other consumer reporting agency. Ive received correspondence from TU, expressing adverse accounts. Ive previously expressed to the reporting agencies a request to opt out and stop selling my information as it violates several FCRA laws. Attached is a 609 letter, requesting all adverse accounts be updated and reported properly. 

Also a ton of inquiries I did not give permission to. Please remove all negative accounts affecting my FICO score. Also please remove all addresses that are not my main residence. XXXX XXXX XXXX XXXX XXXX GA XXXX. Also, remove all misspellings of my name. It is XXXX XXXX XXXX, not All these names listed on the report. 
Attached is my Drivers license as well.

Id greatly appreciate these efforts to be executed within ten days, as its been over a month since Ive sent the letters via certified mail. Please see attachment.

Thx
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX 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

Opened a Marriott XXXX Chase card. I am a Marriott time share owner in XXXX. Account opened in XXXX on XX/XX/XXXX Chase closed the account. I called they said they sent letter which i never recieved. In XXXX i called they said they would resend letter. And i would recieve a call back from Management. Never received call back but their records stated they tried XX/XX/27. talked with XXXX in customer service re the letter i recieved their was no reason stated. Since they are the Marriot property rewards program i have been unjustly penalized by not having use of this card. they still would not give reason for the cancellation I have other Chase cards and a XXXX credit rating. Need help please!
Product: Credit reporting or other personal consumer reports

I am reaching out to bring attention to a critical issue with my credit report. It contains mixed information, including accounts, transactions, and items that do not belong to me. This has been an ongoing problem, and despite my efforts to address it, these inaccuracies remain. The presence of this incorrect information is deeply troubling and has caused me XXXX XXXX XXXX XXXX as it directly impacts my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stolen wallet in XXXX California XXXX XX/XX/2023. XXXX included SS Card and all debit cards and California Drivers License. Steps take to stop all cards with banks. On the morning of Friday XX/XX/2023 I was notifed of a HARD INQUIRY on XXXX. from Capital One I did not make any credit applcations wit Capital One or other company.
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. 

Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or 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: Mortgage

On XX/XX/XXXX I was told by a XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX that the appraisal for my cash out refinance would be {$520.00} to be paid only by credit card before beginning the process. The next day I received an email stating the appraisal fee would be a {$600.00} dollar charge to me. So I had to make the payment before the processed moved forward, some other companies don't even do this, they allow the payment to be made later or deducted with the closing costs. On XX/XX/XXXX my XXXX card was charged {$600.00} by TIAA BANK XXXX FL. In the end I received a letter from another company with my credit information stating the home wouldn't receive the refinance however that I would. They never moved forward with the process and I never even so much as received an email from XXXX regarding my status or anything. He assisted me until it was not convenient for him any longer. I would like the appraisal fee to be returned to me as it was a lot higher than most lenders out there, also it's sad to say that TIAA is my montage lender. In the end this is how they treat their clients, one who has a very good standing account.
Product: Credit reporting or other personal consumer reports

The hard inquiry I do not recognize I did not authorize anyone to pull my credit report it is affecting my credit negatively. 15 USC 1681 ( n )
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/XXXX. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Detailed Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Debt collection

On XX/XX/2016 I called XXXX UVerse to cancel XXXX at XXXX, XXXX, KS XXXX. I was given cancellation confirmation number XXXX and a final payment confirmation XXXX and paid a final payment of approximately {$55.00}. The service was cancelled on XX/XX/2016. On XX/XX/2016 I received a call from Diversified Consultants, a collection agency, stating that I owed an additional {$150.00}! Diversified Consultants also told me that the " bad debt '' would end up on my credit report if a payment was n't made that day. Worried and fearful of damage to my credit history ( which is perfect ), I made the payment for {$150.00} over the phone using my credit card. 

On the same day, after reviewing my notes ( and discovering that I had received confirmation numbers for my cancelation of service and final payment ), I called Diversified Consultants back and asked for a refund because I had previously paid XXXX XXXX XXXX the final amount. I was told the {$150.00} had already been sent XXXX & XXXX there was n't anything they can do to help me. I then contacted XXXX XXXX XXXX and at first they claimed the charge was for unreturned equipment and later claimed it was an early termination fee. After looking into both issues, theydetermined the equipment was returned and there was n't an early termination fee.Eventually they stated theycredited my account back {$99.00} but would not refund me the entire {$150.00}. I have now discovered that XXXX XXXX XXXX credited the CLOSED account {$99.00}, and XXXX XXXX XXXX is now claiming that the {$99.00} can not not be transferred to my active home account! 

XXXX XXXX XXXX and Diversified Consultants have violated the FDCPA and I am demanding the full {$150.00} back from XXXX XXXX XXXX. I did not ever owe XXXX XXXX XXXX or Diversified any funds and the XXXX should have not have called me and threatened to hurt my credit if I did not pay debt I did not owe. 

I demand a full refund via wire to my checking account, or a check issued in my name. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There were a number of issues with this credit card and the charges, but the current problem is this charge off by capital one card # XXXX was in XX/XX/2011 and the charge off still appears on my credit report.
Product: Debt collection

This is a dispute for loans that have been filed illegally without my permission and misconduct use of my stolen personal information ; It is Fruad Identity as I did not file this loan nor did I sign for any such loans. I have n't been in any type of schooling for well over 8 years, and while I was in school I was on Scholarship for 3 years. 

I never filed any form online for such loans and I never signed any electronic form for any loans online. Again this is Fruad Identity and I am disputing these loans. 

Thank you in advance for your patience and understanding.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. 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 to be removed/updated. 

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.

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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card

In accordance with the fair credit reporting act this creditor had violated my rights under 15 USC 1681 section 602 states I have the right to privacy. USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under USC 166b a creditor may not treat a payment on a credit card account under an open end consumer credit panel as late for any purpose
Product: Mortgage

XX/XX/XXXX from XXXX XXXX XXXX XXXX that we could have our PMI insurance removed. We sent in a check by certified mail XX/XX/XXXX as requested for a home inspection. We never heard from the assessment agent. XX/XX/XXXX our check is returned stating that the assessment agent could not get hold of me. XX/XX/XXXX we again asked for the PMI insurance removal and sent another check by certifed mail. With a note stating that I am hard of hearing and that the agent must speak slowly leaving a message since I don't hear my phone ring most times to set up an appointment. XX/XX/XXXX sent another certified letter asking what is going on since I have not heard from the assessment agent. No response. XX/XX/XXXX filed a complaint with the Office of the Comptroller of the Currency. XX/XX/XXXX received a letter stating that my complaint filed is no longer under the jurisdiction of the OCC has to be filed with the Consumer Financial Protection Bureau.