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

Respected Sir / Mam, In total 3 checking account I had with Wells Fargo bank. 
XXXX account opened in XXXX I paid numerous time overdraft charges to the bank which was not supposed to be paid. 
As I realized the banks charging me for no reason I was able to prove the bank guilty with my proof and evidence and the bank cleared all the charges and closed my account. 

I opened 2nd checking account : This account also I had done good transaction and I had sufficient balance when this account was active the entire time. 
( why did the bank did not claim for the collection charges at this point of time? ) At that time it I had proved my innocence and bank guilty for no reason charging me overdraft fees again and again, it was easy for me to count all the transactions on my finger tip and again the bank will be proven guilty. 
With this account also same problem I faced. 
The bank decides to close my account with out giving any valid explanation and charges were removed from this account as I followed the same concept of proving my honesty. 
My 3rd checking account I opened with Wells Fargo with {$14000.00} couple of years ago. That time also I had the transaction copy and all but when we had to shift the documents went misplaced. We had a very bad time and we were homeless and no transportation and not even a XXXX in pocket, After 2 years of struggle and day and night work I was able to get comfort to my family. Still struggling to cover all the damages I faced due to Covid 19 but we are ignored only because we are not citizens. 
A non citizen get a permission to start a business, pay the tax. Follow everything lawfully. Trust the government and invest our savings and hard earned income and unexpected covid 19 takes away everything. 
We can not be granted SBA loans or any business loans as we are not citizens. We dont deserve to rebuilt our business again like other citizens? Government showed support to all those who became victim of Covid 19. But for non citizens its not their concern. 
We have to pay all fees being non citizen we have to file taxes being non citizen we can get work permit and social security card as non citizen. We are allowed to invest as a non citizen., we dont differenciate between citizens and non citizens in the market. Our business is open for the entire market. 
XXXX XXXX target is the entire market Government support is for the citizens only. 
Rest we have to suffer and pay the cost of blindly investing all our money and struggle till the end to survive. 
In such situation the bank is ready to play their games. 
Till now the bank send me {$770.00} check and {$270.00} check. 

But we spoiled our relation with the landlord. We were insulted and harassed and torcher by the bank. We have limited time in this place as we know legal action will be taken soon to vacant this place. Challenges are left all our way. 

Just because Wells Fargo did not had trust in their own cash deposit receipt and with out being wrong we were punished. Now bank needs some excuse to divert the mind from here so they removing closed account topic to avoid this guilt of theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX and XXXX about inaccurate information being reported on my credit report on XXXX from NCB management services. its been well over 30 days and I have yet to hear back from them.i demand that these items be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX sent disputes letter asking to prove that I owed this debt. 

XX/XX/XXXX Sent method of verification, still no response. 

XX/XX/XXXX Sent final notice to prove that I owed this debt or gave consent. 

XX/XX/XXXX Sent letter stating that I will file complaint if I don't receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX Balance XXXX Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

Account number XXXX Balance {$310.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

XXXX XXXX XXXX Account number XXXX Balance {$4800.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

XXXXXXXX XXXX Account number XXXXXXXX  Balance {$500.00} DAte XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

Address XXXX XXXX XXXX XXXX XXXX TX XXXX This address is not associated with me. I have provided the police report and the FTC Complaint and the account still remains on my credit file.
Product: Credit reporting or other personal consumer reports

Bank of America is saying that I had a late payment of 30 days late. I contacted them and they couldnt find that I was ever 30 days late, but this is still on my credit report. 
I made a payment of {$100.00} ( min was only {$38.00} ) on XXXX ( due date $ it was returned, on XX/XX/12 I made the minimum due payment of {$38.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information on my credit report that I believe is a result of the Equifax data breach that occurred in XXXX My personal information, including [, may have been affected 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 fraudulent activities or negative impacts you have experienced ]. Per the Fair Credit Reporting Act, I15 U.S.C.SS 1681i, which mandatesthat you investigate this matter and provide me with an updated copy of my credit report reflecting any corrections. I am including copies of any relevant documents that support my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX  XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$720.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Money transfer, virtual currency, or money service

My phone was destroyed and my acc was locked from inside the app. Not to mention I don't remember my XXXX password or any other point of access. I got so frustrated I closed my acc before retrieving funds. My taxes and paycheck. My taxes are XXXX and my pay check is XXXX. Cash app has been unresponsive. Please help!!!
Product: Credit reporting or other personal consumer reports

Failure to Comply with Cease and Desist Letter Under 15 U.S.C. 1692 ( c ) of the FDCPA I am submitting this complaint because I sent a cease and desist letter to [ Debt Collector/Agency Name ] under 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), requesting that all communications regarding disputed accounts cease. Despite this, the accounts in question are still being reported on my credit report, which I believe violates my rights under the FDCPA and possibly the Fair Credit Reporting Act ( FCRA ).

The accounts are inaccurate and should not be included on my credit report. I have taken the following actions : Sent the cease and desist letter on XXXX via certified mail to ensure receipt. 
Included specific disputes about the accounts and provided all necessary supporting documentation. 
To date, these accounts remain on my credit report, which has caused continued harm to my credit standing and financial well-being. I believe this is a violation of both my right to have accurate credit reporting and to limit communications about disputed debts. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure the collector complies with the FDCPA and that the inaccurate accounts are promptly removed from my credit report.

Thank you for your assistance.

Additional Information : Debt Collector/Agency Name : XXXX XXXX
Product: Credit card

I have been doing business with Barclay Bank for approximately 7 years. This past XX/XX/XXXX I called to attempt to use some of my points for a XXXX vacation. ( One of the reasons I like the card and pay an extremely high fee is because of the rewards program. ) After four of five calls, receiving numerous different reasons of why they could n't access it ... ca n't find the account, computers are down. Then I received a letter stating they were raising my credit limit. Approximately 5 days later, I received another letter saying they were canceling my card due to credit issues. I am in the process of a mortgage modification, however I have never been late with Barclay Bank, in fact, I have a {$5000.00} limit with them and the week or two prior I paid them {$3000.00}. When I called Barclay 's they told me due to my account being canceled, I could not use my rewards points that I earned. I then asked them about my $ XXXX yearly fee and the man told me " well you got to use it part of the year did n't ya. '' This unethical misleading, frankly despicable behavior is what gives banks a bad name. Because of this, we had to book our yearly vacation last minute costing me thousands of dollars extra. I am desperately trying to stay out of bankruptcy and this banks horrible inexcusable behavior is the final nail in my coffin. Please prevent this from happening to any other honest people.
Product: Mortgage

I am NOT late on my mortgage, and always make my payments within the grace period, yet Seterus calls repeatedly to " collect a debt '', telling me my mortgage is " in jeopardy ''. I have told them in the past, that unless and until my payment is late, these calls to " collect a debt '' are harassment and I will file a complaint. Today is the XXXX of the month ( XXXX/XXXX/XXXX ). I have received two phone calls today ( interrupting a business meeting! ). The first call ( XXXX ) I could not answer and it went to voice mail ( they did not leave a message ). The second call came two hours later ( XXXX ). When I asked who it was, the representative said " this is an attempt to collect a debt '' and needs to speak to me about " my mortgage balance ''. She said my mortgage is " in jeopardy ''. I explained to her that my payment is n't late, it is n't due until the XXXX. She said " the system automatically makes calls after the XXXX of the month ''. I told her unless and until my payment is late, do not call me to " collect the balance '' or tell me that my " mortgage is in jeopardy ''. There is absolutely no reason to " collect the balance '', nor is there any justification to state and/or imply that an account is " in jeopardy '' on a mortgage that is paid timely.
Product: Debt collection

This complaint submission is in regards to a false credit report by CONSUMER ADJUSTMENT COMPANY ( XXXX XXXX XXXX XXXX, XXXX XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative was extremely aggressive and hung up the phone when requesting information regarding the account. I then made another attempt and I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent on XX/XX/2022, was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2022, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting CONSUMER ADJUSTMENT COMPANY ( XXXX XXXX XXXX XXXX, XXXX XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, CONSUMER ADJUSTMENT COMPANY ( XXXX XXXX XXXX XXXX, XXXX XXXX ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by CONSUMER ADJUSTMENT COMPANY ( XXXX XXXX XXXX XXXX, XXXX XXXX ) has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and CONSUMER ADJUSTMENT COMPANY ( XXXX XXXX XXXX XXXX, XXXX XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Transunion are consumer reporting agencies and I am the Consumer. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Transunion, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, and XXXX XXXX XXXX are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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
Product: Debt collection

Today  XX/XX/XXXX  I was made aware that Barclays Bank Delaware made the decision not in my favor regarding an Identity Theft Report filed and a Fraud Affidavits provided to the company .Barclays sold to  XXXX   XXXX   XXXX  and  XXXX  and  XXXX   XXXX  accounts that were  open fraudulent without my approval or permission, Barclays sold the accounts to 2 outside  collections agencies knowing the accounts for reported fraudulent in  XX/XX/XXXX , this is not ethical, instead of correcting the problem Barclays sells the accounts to collections agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Responding Act XXXX XXXX XXXXXXXX XXXX account XXXX, ( XXXX Equifax ) has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

This relates to 2 transactions I tried to dispute with Chase. 

The first was an ordered placed on XX/XX/XXXX for an amount of {$960.00}. I received the merchandise after the agreed upon date an contacted their customer service to return the item for a refund. Despite following their steps, I never received my refund and they did not respond. After that, I contacted Chase to dispute the charge. A temporary credit was issued while they investigated the charges. 

The second transaction was placed on XX/XX/XXXX for an amount of {$3700.00}. The items never arrived. When I contacted customer service, they assured me they would issue a refund. I waited over 3 weeks for said refund but it never came. I then contacted Chase asking to dispute the charge. 

In both instances, Chase requested additional documentation after I had provided initial information. I asked how I could provide it. I tried calling multiple times and was placed on hold over 4 hours each time. I tried emailing and did not get a response. I tried using their secure messaging through their website and the only response I got was an automated reply saying there are delays. After multiple attempts to provide the requested documentation, Chase declined to issue charge backs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Consumer Reporting act XXXX allege account # XXXX, 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The following late payments are reporting inaccurately on my credit report in violation of Section 15 USC 1666b Section 15 USC 1681a ( 2 ) ( a ) ( i ) I would like these items REMOVED from my credit report XXXX acct # XXXX. XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are nine closed accounts from XXXX XXXX XXXX XXXX on my credit reports still that were closed in XXXX and XXXX. They are hurting my score and I have asked several times over the phone and in writing for them to be removed. The accounts have been resolved or paid for in other ways and there is no bearing for them to continue to remain on the account.
Product: Debt collection

I ask Spring Oaks Capital LLC to email all information to my email address on XX/XX/2023, was told that they had emailed all relevant information to the email address on hand! no email was received nor have i received information, Disputed this with XXXX XXXX and Spring Oaks Capital Verified the debt with XXXX in less the 7 days! spoke with them again and still refused to verify, just stated that it was in dispute, but XXXX states other wise
Product: Credit card or prepaid card

On XX/XX/22 I purchased XXXXXXXX XXXX XXXX XXXXXXXX. The item arrived damaged and not as described. I immediately contacted XXXX XXXX, sent them photos and asked them for an address to return, They declined my request. I then submitted the request to return the items a XXXX time, XXXX XXXX again declined to accept the return. I then opened a dispute with Capital One for the total amount of {$46.00}. 

Capital One then sent me a link to send a photo of the damaged item, I did so on XX/XX/22. I confirmed that they received the photo and confirmed that the dispute would remain open. 

Then on XX/XX/22 then mailed me a letter saying that they were closing the dispute. On XX/XX/22 I called Capital One and went over the matter with representative XXXX, who was no help at all. 

I got my new statement today and they re-billed the charge in the amount of {$46.00}. 

The bottom line is that I am not paying for damaged goods, The merchant will not accept the return and there is no other recourse than to go through Capital One. I am still happy to return the items but have no address, XXXX XXXX will not provide a return address. 

Please help.
Product: Credit card or prepaid card

I enrolled this offer by XX/XX/2020 ; Citibank  Promotion sent to me over email : " Earn XXXX Bonus Points after spending {$1000.00} in purchases within 3 months of account opening, redeemable for a {$150.00} gift card at XXXX '' ( original citi promotion email attached ) I have confirmed with Citibank through online banking chat regarding my enrollment of this offer. 

I have met all the requirements to obtain the promotion bonus ; I have made a purchase in amount of {$1500.00} on XXXX2020 using my Citi Reward+ Card. 

I have not received the promised XXXX Bonus Points until now.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX  website has been down for 4 weeks unable to pay bill. Needs to be fixed ASAP and If I'm incurring any fees or negative credit action I'm taking legal action. 

It's not my job to call and demand a bill when I can't even log in online to pay it. 

I have online only statements then the website is required to be functional to pay the XXXX bill.