23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The account shows a balance that is not correct. 
It doesn't include two payments totaling {$20000.00} One of the payments was made XX/XX/2023 and the other was made XX/XX/XXXX, XXXXI have offered to send them the statements showing that they received this money, but no one answers or gives me direction to help me. 

We have emailed Mohela numerous times and no one answers. 
We need answers. 
Please, please, please help. This is a lot of money that is not accounted for. 

Account # XXXX for XXXX XXXX
Product: Checking or savings account

I am willing to file complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I pulled my credit report on XXXX XXXX, 2015 after being denied a credit card due to my XXXX score being low as XXXX which is impossible only to find that Procollect who has never sent me anything in writing indicating they even had a debt for me has placed more than XXXX collections items on my credit report repeatedly. Some XXXX and XXXX times the same account. This has cause my score to suffer drastically.
Product: Credit reporting or other personal consumer reports

I had a loan with XXXX XXXX around XXXX. XX/XX/XXXX I received a letter from XXXX a debt collector for XXXX XXXX XXXX XXXX stating that as of XX/XX/XXXX I owed {$2900.00} from an account I originally had with XXXX XXXX XXXX. 

XX/XX/XXXX I sent XXXX and XXXX XXXX XXXX XXXX all my bank statements from XX/XX/XXXX thru XX/XX/XXXX totaling {$3200.00} explaining that I did not owe that debt to them or XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX reported the outstanding debt on my credit report. 

On XX/XX/XXXX I wrote TransUnion Credit a letter disputing the debt. I sent them all my bank statements as well. They sent me a letter back on XX/XX/XXXX stating the following : Investigation Results- Verified as Accurate and Updated. This debt remains on my credit report.
Product: Checking or savings account

Hi, I received Fifth Third Bank {$600.00} reward coupon through the mail to open momentum checking account. I needed to deposit {$15000.00} and fulfill some other requirements. In the beginning of XX/XX/, I deposited a check of {$15000.00} from my other bank account. The money were transferred without any issues. Today XX/XX/, I received a statement from Fifth Third Bank that my account was closed on XX/XX/XXXX  and funds were transferred. I never withdrew any money from that account, received a check or money being transferred to my other bank account from were they come from. I went to the Bank branch were I live and the banker attempted to help me with my issue but after he chat with someone I believe within the bank, he couldn't answer my question were my money are.
Product: Debt collection

This account has been paid and the credit collector refuses to remove from by credit report.
Product: Money transfer, virtual currency, or money service

Hello. On XX/XX/2020, I took advantage of an offer to receive {$50.00} from eToro USA, LLC after I deposited at least {$100.00} and invested that money. On XX/XX/2020, I deposited {$200.00} and invested that money as directed by the terms and conditions of the offer. Per the terms and conditions, the {$50.00} was to be deposited into my account by the 30th business day from that date. The 30th business day would have been XX/XX/2020. As of the date of filing this, I have still not received the {$50.00}, nor have I have received a response from eToro from the numerous emails I have sent them.
Product: Checking or savings account

XX/XX/XXXX I got an email that I had a username and password created and a checking account made in my name with ally bank. I dont do business with them and it wasnt me. 
So I called and they said it would be closed, they didnt close it. I continued to get emails that they added a XXXX XXXXXXXX bank ( which I also dont have ) for transfers. Ive sent letters, Ive emailed and Ive called ( and been hung up on ) they wont close this fraudulent account. 
If its not permanently closed I will be getting a lawyer.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit report by way of violation of my rights with HIPAA. Both the XXXX XXXX XXXX of 2017, and XXXX XXXX XXXX, have breached my information. I need these fraudulent accounts removed immediately, or I will be suing each company listed along with the original creditors. This is also harming my chances at an apartment lease or buying a home.
Product: Debt collection

I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised.
Product: Bank account or service

I was profiled as a XXXX male in XXXX Wells Fargo branches and yelled at in a XXXX branch over the phone and then was told by corporate security they were closing my account. This guy yelled at me. I have reported this to wells Fargo. And asked to get the video tapes of my harassment. They will not help and refuse to acknowledge any wrong doing on the part of all employees involved. They have denied me access to any wells far go bank and said they will call the police on me if I ever go into a wells fargo bank again. This is XXXX and an act of XXXX threats towards an individual consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX XXXX Balance : {$4000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit bureau is reporting an account that needs to be removed immediately from my credit report. A XXXX XXXX account should NOT be on my credit report as it is a fraudulent and inaccurate account. I have filed a complaint with CFPB that did not get resolved. 

THIS INACCURATE CHARGED OFF XXXX XXXX ACCOUNT IS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY OR FURTHER LEGAL ACTION WILL BE TAKEN. 

Last XXXX digits of my SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # ( XXXX ) XXXX XXXX, ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX Bank, ( XXXX ) XXXX XXXX XXXX, ( XXXX ) XXXX, ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXXy XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. has violated my rights.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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on a XXXX credit card I am no longer an authorized user, Experian refused to remove account from my report after 3 attempts /dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

RESOLVE Partners is furnishing and distributing inaccurate information in regard to my consumer report. On XX/XX/2022, The XXXX XXXX XXXX delivered an Adverse Action Notice pertaining to the credit application I submitted. On this notice, The XXXX XXXX XXXX informed me that a decision was made in relation to the information received from RESOLVE Partners. In detail, my credit application was denied because RESOLVE Partners furnished and distributed the information that I have a " Criminal Background ''. This information is 100 % FALSE!!, I've never been convicted of any criminal offense ( XXXX ) in my life!! RESOLVE Partners has caused me to lose the opportunity to a home that I am deserving of- all because the furnishing and distribution of inaccurate information in regard to my consumer report.
Product: Checking or savings account

I was expecting an ACH payment from a customer which didn't come through. Upon inquiring with the bank, I learned all my checking and savings accounts ( personal and business ) were being closed by the bank. The bank refused to provide a reason for the closure ( after consistency asking ). I had an appointment at a branch ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) and I was told the representative was at another branch that day. I tried calling him but he never answered. I even left him a voice mail. I was able to open other accounts are XXXX XXXX because my accounts had not been closed by then. If there were, they would be tagged to " involuntary closure '' in the " XXXX '' database which would prohibit me from opening a bank account at another company. I went to another branch and the representative tried her best to get my money released by the specialist she was talking to refused to give her the approval ( she even asked to ask to his supervisor but she was indefinitely put on hold ). I was told my money would be released in 12 days. It was the first of the month and I had to pay rent. It was my first month at a new place and the bank didn't understand the magnitude of defaulting on your first month of rent ( when you never did and didn't have to ). What I found out from applying to a business account is that the address provided can never be virtual location with a real street address but rented only for mailing purposes. I have a virtual address to shield my residence from the public so I rent an actual address through XXXX XXXX XXXX which helps me avoid a ton of junk mail. I provided my virtual address to the Chase agent but he did not guide me through the open opening process. The banker at XXXX XXXX was very thorough and I appreciate her guiding me through the process. That helped me avoid using my virtual location address. I hope to ( i ) get a response on the reason for my account closure and ( ii ) avoid restricting my future ability to bank in the US ( e.g., through XXXX ) given I'm a law-abiding citizen who has done nothing but religiously abide by the law and upload the most ethical of values. I've included my accounts details in the attachment. 

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: Mortgage

Im trying to refinance my mortgage with another company. The other company asked for me to get a document called " the note '' from Amerisave. I requested that document and they said they would mail it to me. The business is 5 miles from my house. 3 weeks go by and nothing. I called back and asked for it again. I also asked if they could fax it to me. They simply wont give me this document. They know I am preparing to go to another company for my mortgage and they are illegally trying to prevent it. Any assistance you could provide would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Debt collection

i was recently a member of a health club at the beginning of the year, after that i became ill and was not able to use the membership, i contacted them and told them what was going on and i wouldnt be able to utilize my membership. they were rude about the whole situation. i called corporate and they were even worse, telling me it wasnt there fault that i became ill ( which i never argued that it was ) also there was nothing they could do about. i mean if im sick and cant utilize the membership and wasent at the time i should have not been charged for something. so iv recieved phone calls nearly everyday about how im going to be taken to court if i didnt clear the debt and for some thats really scary, i have kids so knowing or feeling like any day i could be served all because i could not keep a membership with a gym is kind of crazy and receiving threaten phone calls is beyond me.
Product: Credit card or prepaid card

I have a previous complaint open and it is not resolved. I was advised to provide my credit card statement analysis in a PDF format. The previous complaint number is XXXX.
Product: Debt collection

In XXXX of XXXX, I reached out to Affirm Inc. over the phone after noticing unauthorized loans noted as delinquent on my credit report. I did not open these Affirm loan accounts and did not authorize anyone to use my personal information to obtain loans from Affirm. After the phone call with the Affirm representative, it was promised that the issue would be resolved and I would receive an email within 7-10 business days. None of this occurred. I did not receive an email or any contact from Affirm. In XXXX of XXXX, I noticed more fraudulent loans appearing as delinquent on my credit report. At this moment, it became apparent to me that Affirm had done nothing on my behalf. Affirm failed to shut down the two accounts that contained my social security number. Again, In XXXX of XXXX, I pleaded with Affirm to help me. I asked that they please shut down any accounts that contained my information. The representatives repeated the same lies from XXXX, stating that I would receive an email with more information. At the time, I did not receive an email or communication from Affirm. I was left in the dark while some thieves had access to Affirm accounts with my social security number. It was not until I reached out to Affirm on XXXX, XXXX, XXXX that I finally received an email asking me to submit an Affidavit form. The form was submitted, however, on XX/XX/XXXX, I received a follow-up email requesting that I again submit another Affidavit form on their website. I suspect that this was done to give them more time to respond to my request. As of today, Affirm continues to report to XXXX that those unauthorized loans belong to me, despite the fact that Affirm has failed to do a proper investigation. In other words, Affirm is blatantly lying to a credit reporting agency out of laziness. Affirm has repeatedly lied and promised to shut down the accounts that were using my social security number without my authorization. Now, I am being harassed by emails from Affirm asking me to pay the delinquent loans. These are loans that I never authorized or received goods from. Affirm is allowing someone to continue to have access to my accounts. They refuse to take my claims seriously. I did not receive any contact from them until XXXX, almost four months after I initially reached out to the company. I was given the runaround multiple times, all while my credit report continues to suffer. Furthermore, I was told by one of their representatives that either one or both of the accounts had a different first name. I can not believe that their website has such faulty security checks in place. Not only did they allow two accounts to be opened with my social security number, but the information ( name ) does not match mine.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

Collection trying get my money danger my credit score because account is opened fraudulent out my concerns trying fixed error with this company credit one now send me collection
Product: Checking or savings account

On XX/XX/year>, I woke up to an email from the Wells Fargo for a bill pay for {$3200.00} for an XXXX XXXX XXXX XXXX payment. I immediately called the bank to stop the payment as it was not me and not authorized. Leaving my account negative, while on the phone with the fraud department someone was logged into my account and transferred {$1500.00} cash advance from my Wells Fargo credit card to my checking account. Both were closed and was told it would take 7-10 days to investigate and get my moment back. On XX/XX/XXXX I called as I have heard nothing I was first told it was denied as someone used my phone to make the charge, and then was hung up on by the customer service line. I called back and was than told the transaction came from my XXXX address. I explained at the moment it was happening I could see someone logged into my account on a desktop computer which I do not own or use one. I was told too bad and move on.
Product: Credit reporting or other personal consumer reports

I have asked for this debt to be validated. The company has failed to do so under the law. Because of this adverse action i have been denied credit, employment, insurance, or other benefits based on information in a credit report. This is on all credit bureaus XXXX, Equifax and XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A, states that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2, states that a Consumer Reporting Agency can not furnish an account without my written instructions.

15 U.S. Code 1681e Section B - Accuracy of Report, states that Consumer Reporting Agencies shall follow reasonable procedures to assure maximum possible accuracy of the information. 

This account shows XXXX and XXXX days late payment on one credit bureau however, it shows XXXX days and XXXX days late on another credit bureau. 

I have never been late on a payment regarding account number XXXX from XXXXXXXX XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a dispute XXXX to challenge information on my credit report ; XXXX XXXX, XXXX and XXXX to investigate and update all inaccurate accounts promptly, But all I got was a generic stall letter with no real updates or progress. I am reaching out to you in the hopes you can help resolve the matter.
Product: Credit card or prepaid card

My card was charged for repeated transactions amounting to tXXXX  of dollars. The initial transaction was for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking updates on my credit report if everything deleted but unfortunately I see the same negative information as before. Why you keep posting these accounts on my name. Im sure that someone have my personal information
Product: Checking or savings account

I want to be reimburse for the fees when my account overdraft
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening. someone has used my identity to try and open some account that i am not aware of. 
XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX `XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX `