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

I have autopay set up on my XXXX XXXX Lease account in the amount of {$400.00} per month. I Have most all of my bills set up on auto draft for ease of payment. I check my bank statements on my mobile app frequently, usually every day just to make sure everything looks good, balances, no fraudulent charges, etc. It was XXXX, 2018 that I realized that I don't remember seeing my XXXX XXXX autodraft lately, so I started looking a little more into and found that it hadn't been deducted for two months ( the only emails XXXX ever sent was saying my bill is available to view, which I don't find the need to login since it is on autodraft ). I immediately call XXXX XXXX  and asked what was going on, she said ( to the best of my recollection ) that they had switched payment systems or it went down, messed up, either way, my autodraft was turned off. So I immediately paid the balance, and asked about the late charge on the account in the amount of {$20.00}. She said that since it was a mistake on their part that she would waive the fee. I was also concerned with my credit and she reassured me that it would not be an issue and wouldn't be reported since it was due to their mistake. All is well with the world and I go on with my business. Then, this morning, XX/XX/2018, I check my bank accounts as I usually do in the morning and randomly check my FICO score as I do every few months out of curiosity to find out the my credit score had dropped about 140 points. So fearing fraud I immediately login into XXXX to find that the XXXX account was showing 30 days late on two consecutive months. Either way, I call XXXX XXXX to dispute the issue, the gentleman noted our conversation and referred me to report with the CRAs. I also asked him if he could see the notes the last time I had called in to find out about the lack of payments being withdrawn. He said he could she where she removed the late payment charge as a fault on their end ( not sure what else she noted ). I then call the consumerfinance.gov number,  the gentleman was helpful and referred me to this page to submit a request, walked me through what I should expect so here I am. I believe that is all the information and all I can remember at this time. I am sure I forgot something but attached you will find the XXXX XXXX statement showing where the late charge had been credited. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert through my XXXX credit monitoring account that a credit inquiry had been generated by XXXX XXXX XXXX  on XXXX XXXX, which I did not authorize. I called the bank in question, and the customer service rep reported that a request was made to issue a MasterCard in my name, with the correct home address, SSN, and mobile phone number. When I mentioned that I have an existing fraud alert on my credit accounts ( since XX/XX/XXXX ) after the IRS discovered that an alternate party filed federal income taxes for XXXX in my name, the customer service representative ( XXXX ), reported that she " would cancel the account before the card was mailed ''. This conversation with XXXX occurred XX/XX/XXXX. I am concerned, however, that a bank would issue a card to a potential customer with a fraud alert without first confirming that customer 's identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following account need to be removed as they are fraudulent. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Checking or savings account

This complaint is similar to one that was recently resolved by Key Bank. 
I did not realize I could have also mentioned a second check. 

Please see the facts outlined in my prior complaint XXXX. This complaint involves a second check that was compromised at the same time. 

Basically, checks were washed from two of my accounts for the XXXX XXXX XXXX back in XXXX, XXXX. Despite me immediately notifying Key Bank and completing all the required forms and filing a police report, the funds were not refunded to the accounts. I did everything possible to resolve the situation. 

At this time, there is one outstanding check for {$3200.00}, which funds have not been deposited back in my account.

From one of my recent calls to the Key Bank fraud line, I was advised that they filed a demand with XXXX. I asked when it was filed and was advised it was about 6 months ago. I asked if it was normal for it to take that long for a reply. 

As you can see from the prior complaint above, there were issues with the representative in the fraud department on my many calls, including being told that a supervisor would not take my call or call me back. 

I am hopeful, from the recent resolution of the other check, that this matter can be resolved with the depositing of the above amount back in the account.
Product: Debt collection

onXX/XX/XXXX2017 Sent a letter to CommonWealth Financial Systems inc. ( letter attached ) requesting back up on the debt they are reporting on my credit report. <P/>They replied back ( letter attached ) that I needed to call w/social security # 4 digits/date of birth etc ... so they can properly identify me. I find this a bit disturbing that they clearly have this information since they are able to report on my credit - I will NOT call their office to verify my information. <P/>In my letter I also stated do not try to collect this debt which I do not know what it is for until they provide back if you notice at the end of the letter from the it states this is an attempt to collect a debt and used for this purpose.
Product: Mortgage

I have been trying to modify mortgage with Ocwen Loan Servicing LLC for 13 months. This mortgage claims, I have not submitted all the documents that was requested. Once documents are submitted that was requested. They waited over 30 days and request the documents to be resubmitting stating the documents need to be update or would request additional documents. 
I have even gotten assistant from New Jersey XXXX XXXX, they have submitted the documents on my behalf and they gotten the same result I have gotten. 
I have contacted my NJ XXXX and The NJ Attorney General Office informing them of the practices that Ocwen Loan Services , LLC is doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX. OF XXXX, Account # xxxxxxx XXXX XXXX XXXX XXXX XXXX. It has been showing up on my credit report over 11 years! 

Account # xxxxxx XXXX XXXX XXXXXXXX XXXX XXXX 

Account # # # # # # # XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Account # # # # # # XXXX XXXX, XXXX ( XXXX XXXX XXXX Account # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX MOBILITY ) 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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

On XX/XX/2021 I sent a letter to Experian in regards to my multiple attempts to dispute inaccuracies being furnished to my credit report by a creditor named XXXX XXXX XXXX XXXX XXXX. I asked that they send me all documentation that they, Experian, have on file to verify the accuracy of the account being disputed within 30 days. They never sent me anything and stated again on my credit report that the account was verified.
Product: Credit card

Hello, I had a Walmart credit card account open in XXXX and paid it in full in XXXX XXXX for the amount of {$1400.00}. I recently received a bill from the creditor with a opened balance of XXXX. I called Synchrony Bank and they researched my account and stated that my account was paid in full and a new balance show up on XXXX XXXX. I stated to them how could I have a balance when my account been closed since XXXX and paid off XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I openedan account with TRUIST bank, on XX/XX/XXXX ... the agent informed me, that theres was a CHARGE OFF on record, I was surprised, I NEVER had Truist, but he clarified that it was under BB & T bank, ( it went out of business ) and the CHARGE OF WAS FROM XX/XX/XXXX XXXX years ago, this created a problem with opening a checking account with Truist. 

Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Report No : XXXX Unique Transaction ID : XXXX Report Created : XX/XX/XXXX I have received my latest credit report ( attached ) from the above company and I found my account information incorrect. My XXXX Personal Loan Account No. XXXX is closed in XX/XX/XXXX. The closure letter is also attached. But till date in my credit report the same account is showing open with an outstanding amount. That is effecting my credit score. I have already reported the same to Experian and received a Reference No. XXXX on XX/XX/XXXX. But not yet received any resolution to the same. 
Also for the other accounts listed in credit report, the current balance part is not updated. 
The whole thing shows a wrong picture about me to the banks and is not good for my financial aspect.
Product: Vehicle loan or lease

My lease is with Ally agreement # XXXX this was a 36 month lease and is due to be returned XX/XX/XXXX XXXX due to financial struggles i decided that it would be best for me to extend my lease vs leasing a new car based on the fact that payments have gone up on car from the time that i leased this current car. i am in the mortgage industry which has been struggling a great deal over the past 3 years and my income has suffered greatly. about 6 months or so back or more i contact Ally and they stated very clearly that they could extend my lease for up to 6 months and assured me that it would not be an issue. they stated that i needed to contact them 30 days prior to the lease coming due and that they would XXXX the extension. Per their request i reached out to them, XX/XX/XXXX and they took my request and confirmed that the lease extension should be granted without an issue. they mentioned that i needed to call them in XXXX business days to complete the process and that they would fax information to me to complete. Based on the information that Ally provided me 6 months ago and several times after i decided not to explore other options for a new car since i was assured that they would extend. i had several offers that i rejected based on my decision to extend. i followed up today XX/XX/26 to get the paper work that they said would be fourth coming and when i spoke with them they stated that they NO longer extend leases and that my request had been denied! this has now put me into a huge finical problem. i now only have 15 day to get a new car and i don't have the time or money to accomplish that. I then called back and they stated they changed their policy last week and cant help me. I told them i am going through financial hardship and they then said they would extend for 3 months, put me on hold and came back and said they changed their mind. They are misleading customers and putting people in very difficult situation with zero concern.
Product: Vehicle loan or lease

To whom this may concern ; I would like to see if you may be able to remove the Wells Fargo account from my credit report and the negative history.

I had filed for divorce against my ex-husband. We had been separated and the car went to him due to the divorce judgement. But out of spite he had filed for bankruptcy. I attempted to resolved the situation differently so that he may give me the car and I take over it. He had vandalized the car and sent me pictures. I was advised by lawyer to give it to him and the judge had note this behavior and sentence him to a different judgement still affecting my credit. 

I would like to start my new life and move forward from anything involving my ex-husband. I deeply appreciate the help. 

I had called Wells Fargo several times in XXXX and XX/XX/XXXX trying to resolve the situation. When I had called again and I was directed to the bankruptcy agency and was told they would not do anything until the lawyer of the bankruptcy was involved. But because the lawyer was through my ex-husband. I was still not able to get anything done. 

I had attempted again XX/XX/XXXX. I had called again XX/XX/XXXX and faxed over paperwork as requested and again XX/XX/XXXX to follow up. There were no new results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  reported a late payment XX/XX/2020 during the coronavirus pandemic when I was told due to my list of employment due to coronavirus my account would be put on hold and not be makes late ...
Product: Debt collection

On XX/XX/XXXXXXXX XXXX XXXX, I previously submitted a report to the Consumer Financial Protection Bureau, complaint no # XXXX, in which I reported a company called, Genesis Credit Management aka Columbia Debt Recovery , LLC, representing XXXX XXXX XXXXXXXX XXXX whom submitted a negative on my credit report despite that I been submitting the payments 15 days before the due date of {$200.00}. I have attached the supporting documents, as part of my evidence, including the negative affecting my credit score. In addition, XXXX XXXX  are being sued by XXXX from a Notice of Class Action Settlement lawsuit, in which XXXX XXXX  were overcharging late fees of {$100.00} each time the rent was late. I have attached the supporting document, to demonstrate that this company was ripping people off despite the standard normal regular charge should range between {$35.00} to {$55.00} only, not {$100.00} on late rent. I understand this lawsuit will end by XX/XX/2024 and I am expected to get a refund out of this lawsuit, to pay off this debt. I got involved in a hit and run car accident on XX/XX/2024, was XXXX, in which I was late on my rent and the apartment manager refused to accept the late rent with late fee. I was not able to get much from the hit and car accident and this company submitted a negative report on my credit, and it is affecting me obtaining credit and charging me extra fees when I am paying on time.
Product: Credit reporting or other personal consumer reports

Recently I looked at my a copy of my credit report and i noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. 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 {$940.00} XXXX {$810.00} XXXX XXXXXXXX {$1000.00} 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 an 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: Checking or savings account

I receive my bank statements from USAA by mail as I prefer this method of communication. When I wrote some checks I found out that my account was frozen. I was never informed by mail, phone call or email that my account was frozen. I called USAA and they explained that they had contacted me online. I told them I had my statements sent to me by mail and I do not like to go online. They said something about they had contacted me online about a signature card after my beloved wife had unfortunately passed away. I was told to send them a death certificate and that would be sufficient. I was then told by another person that I would have to hire an attorney and get some kind of form because I did not acknowledge the online thing about the signature card. Once again I told them that my statements were sent to me by mail and I do not check my account online. Why didn't USAA call me, send me request by mail or email about this to begin with. They can not only use online as my elderly people like myself prefer other methods than online. Why did they not contact me that my account was frozen by either calling me, writing to me or emailing me? This is no way to treat a veteran XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against XXXX XXXX  for the unauthorized and fraudulent dissemination of my personal information to third-party debt collectors, MIDLAND CREDIT MANAGEMEN , in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), codified at 15 U.S.C. 1692, and the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1602.. Without my confirmation or acknowledgment, sensitive personal details were exposed, leading to significant distress and a breach of privacy.

Violation listed below : Fair Debt Collection Practices Act ( FDCPA ) Violations : Unauthorized Disclosure : XXXX XXXX  disclosed my personal information to third-party debt collectors without my permission. This unauthorized dissemination violates 15 U.S.C. 1692c ( b ), which restricts communication of a consumer 's personal information to third parties without consent. 
False Representation : By sharing my information without authorization, XXXX XXXX  misrepresented the legal status of my debts and the nature of their business conduct, violating 15 U.S.C. 1692e, which prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt.

Truth in Lending Act ( TILA ) Violations : Failure to Disclose Terms Accurately : XXXX XXXX failed to provide clear and accurate disclosures regarding the terms of my credit, violating 15 U.S.C. 1602. This failure to disclose information accurately has significantly impacted my understanding and management of my debt obligations.

Unauthorized Transactions : The dissemination of my personal information to third-party debt collectors constitutes unauthorized transactions and a breach of trust, further violating provisions under TILA that protect consumers from unauthorized use of their credit information. 

The damage to my credit report has caused considerable financial hardship, affecting my cost of living and ability to secure necessary credit. I urge the CFPB to investigate this matter thoroughly and hold XXXX XXXX and MIDLAND CREDIT MANAGEMEN accountable for their actions, ensuring that such breaches of consumer rights and privacy are prevented in the future.
Product: Consumer Loan

Banking error by hsbc led to a invalid debt being prosecuted by a debt collection person that used profanity, threatening remarks towards my wife, and brothers and family. Disparaging remarks about my service to the nation when I was XXXX by a XXXX while serving XXXX. Threatening court actions and promises XXXX. Phone number of said debt collection agency is XXXX this person has made the statement that he would come to my house personally and do harm to me.,
Product: Debt collection

I submitted a letter from the alleged company ( Capital One ) which showed that the supposed debt/loan was not carried out by said company. I also contacted the credit agencies to dispute the negative reporting by Capital One and my credit score was amended because of that proof. However Capital One failed to resolve the dispute on their end or notify any collection agencies that the dispute was a result of their reporting error and closed the dispute using incorrect data. Capital One failed to note in their report that the car loan in dispute doesn't match the sales record of a car I did buy and paid off was in good standing ( I've had the title to the car since XXXX ). Capital One also failed to note that the credit card listed was reported stolen in XXXX or XXXX and could not possibly have been used to get a car loan. 
This whole mess with the collection agency is the result of faulty reporting errors by Capital One which also failed to act on a previous CFPB complaint ( this is not a continuation of that complaint ).
Product: Checking or savings account

Consumer advised Bank of America over the phone and later-on via a complaint filed on XX/XX/XXXX that is still available in CFPB database requesting an opt out of overdraft fee. Bank of America fraudulently kept the consumer in opt-in status thus charging two {$35.00} fees for a {$3.00} and {$4.00} charge in XX/XX/XXXX. This complaint represents a new perspective to a previous compliant and highlights the concern that Bank of America is fraudulently collecting its fees despite consumer not wanting to be in the opt-in for overdraft fees. 

The following consumer request is still in CFPB prior complaint dated XX/XX/XXXX " I would like the bank to reverse the {$35.00} fee, Opt me out of the over draft protection that I never signed for and apologize.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX & XXXX XXXX
Product: Debt collection

transunion is reporting collection accounts that do not belong to me. 
XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX By law this is illegal and they must remove them immediately!