23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2019 XXXX XXXX XXXX  credit card services charged off my account. XX/XX/2019 I received a letter from Hunt & Henriques a debt collecting firm stating that they were now the owners of my account and I owe them a debt of XXXX. I set up a payment plan with the Hunt & Henriques firm twice, once in XXXX and once in XXXX and they never sent me documentation of the payment plan. They filed suit in court and are now suing me for a debt that was charged off. Further after setting up a payment plan twice in XXXX and XX/XX/2019 I never received documentation confirming the payment plan, and I have to file my answer in response to the complaint and summons they filed in court or It will result in a default judgment against me. XXXX XXXX along with Hunt & Henriques are purposely keeping my payment plan documentation withheld from me because they know that if I have proof of the payment plan I can answer to the court explaining I have a settlement with the firm and dismiss the suit. Hunt & Henriques along with XXXX XXXX are purposely withholding my documentation in order to receive a default judgment against me and not allowing me to handle the debt situation properly without the courts.
Product: Checking or savings account

I have had the same bank account for 30 years, the last 12 of which it was " owned '' by Wells Fargo. I received an automated notification from my bank app on XX/XX/21 that my password was changed. My husband and I called Wells Fargo immediately and found out that {$5100.00} in payments were pending to three big credit card companies that we do not have any accounts with. We spent 4.5 hours on the phone initiating a fraud claim, closing our checking account, opening a new one, and providing the bank with any information they requested including ( as soon as we received it from WF ) a legal, signed affidavit. I also filed a police report. 

2 weeks later Wells Fargo sent us a letter informing us that they were DENYING our fraud claim and not refunding our money. Instead of canceling the fraudulent payments that were still " pending '' when we had immediately reported them, they simply chose to accuse this 30-year customer of lying and committing a financial crime. 

Upon receiving the denial letter, my only option was to request a copy of the documents they used in making their decision, which I did immediately. I was told it would take 5-7 days. When that was up, I called again yesterday and was now told it would take 30 days. We are working with our local police detective to continue to investigate and fight this, but can not proceed until we receive those documents. It's now taken over our lives for 4 weeks and counting, let alone we're quite poorer than we were a month ago. 

I have so many more details but won't get into them here. I have many documents I can provide but am only attaching a few here, can provide more if requested. This is NOT acceptable behavior. How can a bank can refuse to refund a customer who did EVERYTHING we were supposed to do, especially when it appears it was THEIR clerical error in not stopping the pending payments when they were initially reported??
Product: Mortgage

I paid off the mortgage with Nationstar Mortgage LLC in XX/XX/2019, however it is still showing as open and with a balance of just over {$210000.00}. I submitted a dispute with the credit reporting company of XXXX in XX/XX/2019 and XX/XX/2019 I was informed that this information on my credit report is correct. I uploaded a satisfaction of mortgage also, however Nationstar Mortgage LLC still states the balance is correct and the account is still open. I called Nationwide Mortgage LLC and they said that I need to pull my credit report and send it to them so that they can research it. I stated I would send them the Satisfaction of Mortgage but they still insisted that I send them my credit report in order for them to review. I refused to send them this as they do not need this info since they can pull it up in their system and see that it has not been updated.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inquiry listed on my credit report. I believe that this inquiry is inaccurate and unauthorized.
Product: Debt collection

I obtained a mortgage with XXXX XXXX on XX/XX/XXXX. Loan was sold on XX/XX/XXXX. I received a statement for payment of the loan from the new lender and made all my payments. Over a year later XXXX XXXX states I owe them a payment. They never sent a statement and the loan was transferred and paid in full. My loan origination amount matches the amount transferred to the new servicer. I do not owe XXXX XXXX any payments.
Product: Credit reporting or other personal consumer reports

I am sending a complaint because the company has failed to validate this debt on my credit reports in the allotted time which is XXXX days. I have tried on multiple occasions to ask for debt validation and they continue to prolong the process and havent sent any information. They will not even properly investigate my claims. if a company takes longer than 45 days to respond to my credit report dispute, the XXXX XXXX XXXX is required to remove the disputed information from my credit report because it is considered unverifiable under the Fair Credit Reporting Act ( FCRA. I would like to ask that the collection from XXXX XXXX international be removed from my report immediately. I have given more than enough time to validate it is unverifiable.
Product: Credit reporting

Experian is reporting multiple Social Security numbers to my credit file ( XXXX that are not mine ) and addresses ( California addresses ) that does not belong to me. Also, they are reporting XXXX trade-lines for the same collection debt. They are reporting XXXX Disputes ( XXXX Bank ) for {$16.00}, XXXX and XXXX for {$16.00}, XXXX which are the same debt as XXXX Bank sold it to XXXX. This is deceptive and fraudulent practice as it makes it looks like I have XXXX bad debts when someone is looking at my credit file when it is indeed XXXX debt. I wish for XXXX of them to be deleted.
Product: Checking or savings account

Please refer to the PDF document named Claim XXXX for an account of the events that took place on XX/XX/2021 for $ XXXX. I would like to emphasize a few points of the PDF here. During the time that the fraud was taking place, I hung up the call and attempted to call Wells Fargo fraud department. Each time I was unable to get a hold of any live representative and they provided a call back option. Based on the fraud being committed involving spoofing of phone numbers, there was no way to identify if the bank or the fraudsters were attempting to call me back. Therefore I felt very vulnerable and in able to trust any phone communication with the bank. I proceeded to go to the nearest branch and have them verify a later call with the fraud department. 

After we talked to the fraud department on the XXXX, I followed up on the XXXX and was bounced around for 40 minutes with no one willing to answer my questions. I merely wanted a contact email that I could send the attached pdf as further support for my claim. Finally I had a representative say they made a note and we should be contacted. Subsequently I never heard back from the bank until I received the denial of the claim.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XXXX. On XX/XX/XXXX, I had a balance of {$510.00} in my account. 
XXXX. On XX/XX/XXXX, I had {$500.00} in my account. 
XXXX. The rule for this account is if I have {$500.00} or more in my account throughout the month, the maintenance fee would be waived. I met this requirement for the month of XXXX. However, the maintenance fee was not waived. Bank of America did not hold up its own policy.
Product: Credit reporting or other personal consumer reports

The inquiries listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the inquiries removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

You're breaching on my rights! In this document, I've enumerated my issues with your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 

XXXX XXXX Late Payment {$730.00} XXXX XXXX Late Payment {$100.00} XXXX XXXX XXXX Payment {$10000.00} XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXX XXXXXXXX Collection {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$7700.00} XXXX XXXX Collection {$7700.00} XXXX XXXXXXXX Collection {$7300.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Collection {$7300.00} XXXX XXXX XXXXXXXX Charge-off {$5600.00} XXXXXXXX XXXX XXXXXXXX Charge-off {$0.00} 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.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG 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 FCRA/ Metro 2 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 , FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Nelnet student loan account was included in my chapter XXXX bankruptcy ( case # XXXX ) that was filed on XX/XX/2020 and subsequently discharged on XX/XX/2020. Per my attached petition, you will find that the loan listed as part of my Schedule E/F ( item 4.10 ) on page 22. 
After filing, Nelnet was notified of the inclusion of the debt and they were given time to object to it's inclusion, but they never did. I have asked them repeatedly to provide proof that they objected it's inclusion with the court and they have failed to provide it to me. Their simple response is " you still owe the debt ''. Since that time, they have not only reported it inaccurately on my credit reports, but they have also assessed over {$1500.00} in interest or fees to my outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was diagnosed with XXXX and XXXX  XXXX in late XXXX.Capital one Bank/ Kohls card began calling when payment was a few days past due. I told reps repletely that hospitalized with XXXX and needed assistance. Despite telling them they never enrolled me in program like other credit cards and continued to charge me late fees and lowered my credit limit and ultimately closed my account causing my score to plummet. They also froze my online access preventing me to be able to pay online with the assistance of my wife. They would call my cell phone constantly via robo calling and when my wife would answer they would not allow her to speak with them without my authorization but I was unable due to being on oxygen. Once released and in better health in XXXX I called to rectify and make payment. They were unwilling to acknowledge their incompetency and would not remove fees or higher interest charges from not enrolling in program when requested early in my illness. CapitalOne/ Kohls has destroyed my credit score and closed my credit card with a remaining balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN XXXX  Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Product: Money transfer, virtual currency, or money service

Iam filing a complaint against Cash App ( Block , Inc. ) due to inadequate customerservice and unfair practices, which violatethe Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution proces Nas unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Experian has not sent me any documentation to whom they investigate to get the items on my consumer report verified.
Product: Credit card

Ive had this card for several years and have always paid on time. Unfortunately this time I made XXXX late payment due to losing my job and I still paid the balance in full. They charged me a late fee and I requested to get that taken off since in over 8 years I have always made my payments on time. They refused to remove the late fee even after being a loyal customer of XXXX years. They ended up taking it off after I mentioned how this is how they treat their loyal customers? 

I ended up receiving emails stating I still owed them which was incorrect because I had already paid the balance in full. I called them to find out why I was receiving these emails stating I still owed them when I didn't. The guy I spoke to was very rude and refused to give me the information I was requesting. Instead he kept saying it's my responsibility and I have to pay it. I said no because I have no idea what these charges are for. 
Just to note, their emails do not provide any information stating what the charges are for. I called multiple times and for some very odd reason, no one was wanting to tell me why they kept charging me. 

It took so many calls and complaining asking to speak with a manager for someone to finally tell me they were charging me interest for the late payment. At this point they had already charged over {$100.00} on the card. They even refused to reduce those {$100.00} and didn't take accountability for their refusal to notify me from the very beginning when I called. Instead of doing the right thing and removing all those false charges, they expect me to just hand them my hard earned money for free. 
I can't see how what they are doing is legal. They charge without notifying you what the charge is and when you call to inquire about it they refuse to give that information? Not to mention they purposefully ruin your credit. This is the last time I request for things to be done right and to have these ludicrous and unjust charges removed as well as to stop ruining my credit for no reason. If this isnt fixed I will take legal action.
Product: Credit card or prepaid card

XX/XX/2021 I made a charge of {$15.00} on my XXXX beauty card. I updated my address and never received a statement. I tried to pay online but website was down several times. I called again to make a payment but there was a phone assist fee of XXXX. When I was finally able to get my payment made on the website I was charged a late fee. 
I made the payment including the late fee and the following statement in XX/XX/2021 I noticed an additional late fee of {$15.00} charged to my account. when I tried to make the payment again the website was down. I have been charged a total of two late fees which are of no fault of mine. This company is treating me unfairly and purposely trying to not allow me to make payments so it can charge fees. They are unwilling to assist when you call or refund the fee and hang up on you when you want to close the account. I want this account closed and I want my fees refunded.
Product: Debt collection

After reviewing my latest credit report, I discovered several accounts that appear to have been added without my consent and are incorrect. I ask for these accounts to be blocked and removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this account ( 1 ). ( A ). 

XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify Maximus Education, LLC dba Aidvantage that XXXX, XXXX, and XXXX are reporting agencies and, under 20 U.S. Code 1232g ( FERPA ), a credit reporting agency does not fall within the categories authorized to access student education records or information without explicit written consent. As such, Maximus Education, LLC dba Aidvantage, XXXX, XXXX, and XXXX reporting agencies is prohibited from obtaining, using, or sharing any student record information without my consent. 

FERPA strictly limits access to student records to the following entities : School officials with a legitimate educational interest Government agencies conducting audits/evaluations Organizations conducting educational studies Parties complying with judicial orders/subpoenas A credit reporting agency does not meet these criteria and, therefore, can not legally access student education records without consent. Any attempt to obtain or use such records would be a violation of federal law.
Product: Credit reporting or other personal consumer reports

Transuion : : Identity Theft and Fraud : This CFPB complaint has been led to request FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, then TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX & XXXX ... collections auto loan. XXXX XXXX XXXX XXXX account numbers XXXX XXXX XXXX a XXXX. An account on XX/XX/XXXX, XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX under the account XXXX off /a personal loan account.AND An opened XXXX XXXX XXXX A BUYER collection account that appears related to the aforementioned personal loan account opened at XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolutio I