23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Greetings CFPB, May this email find you well. The Government Printing Office hired the law firm of Silverman Theologou , LLP, XXXX XXXX, XXXX, XXXX XXXX, XXXX to file a claim in DC XXXX XXXX against XXXX XXXX XXXX previously, for credit card debt of approximately {$600.00}. 

I filed an extension of time request on XX/XX/23, to allow me sufficient time to present a successful counterclaim. On XX/XX/23, I checked the court case records and discovered the court case file by Silverman Theologou , LLP, XXXX XXXX, XXXX, XXXX XXXX, XXXX  and the Government Printing Office was dismissed.
Product: Checking or savings account

I am writing to file a 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 CFBP findings against Navy Federal for similar practices, where the transactions settled with insufficient balances despite initially available fund. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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
Product: Checking or savings account

In being very careful not to duplicate a complaint, this complaint is about a specific issue with this Banking Institution. This complaint is against Wells Fargo, and information uncovered in their response to a CFPB complaint, which was unknown by myself until their response. Through the response : ( 5 ) accounts in my name were listed on the response from Wells Fargo. When I began doing business with Wells Fargo, I opened a Checking Account and a Retirement Savings Account. However there were ( 5 ) accounts listed in my name. Who opened these other ( 3 ) accounts?? I should have ( at this time ) no open accounts with Wells Fargo. And I continue to await my {$8800.00}, which is owed to me by Wells Fargo. How is Wells Fargo allowed to stay in business with all this Fraudulent activity which they are involved in.?? Thus far, costing Wells Fargo 1.7 billion in Civil Penalty and 2 billion in restitution. Where are the Government Oversight Agencies, as this type of activity continues to take place????? And of course, I have no access to these other accounts opened in my name and without my authorization.
Product: Credit reporting or other personal consumer reports

I have asked early warning systems to remove any debt baring my name attached to bank accounts on my consumer report and to show viable evidence that i own this debt and have legally obligations to pay it. They refuse to send me any evidence that this debt belongs to me and evidence showing my signature on these debts and names, phone numbers, of whom they talked to in connections with these bank accounts and is factual. I have sent numerous letters asking to remove these negative remarks as they are not true off my consumer reports and they have refuse and have failed to comply with federal regulations by credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$4500.00}, {$2300.00}, {$4200.00}, {$4600.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; A consumers transactions are excluded from the consumer reports. XXXX  and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
XXXX or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( ME ) and XXXX is a violation of 15 USC 1681a the definition of the consumer report does not include XXXX or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned. 
It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

You have furnished transaction information on the following accounts. 

XXXX XXXX XXXX late payments dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX My account with XXXX was never late! This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hard to my reputation, my character, my mode of living and to my family! I need the following late payments Deleted : XXXX XXXX LATE payment dates XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 15 USC 1666b ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
These are not XXXX XXXX  compliance as well. 

Your truly XXXX XXXX
Product: Credit reporting or other personal consumer reports

I purchased and signed a contract to purchase my vehicle XXXX XXXX XXXX XXXX on XX/XX/XXXX. My mom XXXX XXXX is my Co signer and my name is also on the contract. I reached out to Flagship credit acceptance back in the begging of XXXX to see why my car loan has not been reported to the credit bureaus and my payments as well and to see why it does not show I have a auto loan in mine and my moms name. They started an investigation and said it would take 30 days to hear something back and I would receive an email. They said if i did not see an update i needed to reach out to the credit bureaus myself and they would have to take care of this issue. They never called me or emailed me like they said they would so I reached out XXXX XXXX. They said the investigation was closed XXXX XXXX and everything the credit bureaus needed was sent over to them and they should be updating it. I called XXXX XXXX and XXXX yesterday XX/XX/XXXX to see why I have not seen it on my credit report yet. They said I would need to call Flagship because they never received any information on this loan and it was out of their hands. I called Flagship credit acceptance back the same day and Flagship basically said there was nothing they could do, that an investigation had already taken place but there was no updated notes on the account. I was very upset and frustrated that I am paying for a vehicle that is not even being reported and i feel I just keep getting the run around and there is nothing I can do about it. I asked to speak with a supervisor but they would not transfer me and said the department I needed to speak with was closed already. I spoke with a CSR named XXXX at Flagship credit acceptance and he said they would note my account to have someone call me back XX/XX/XXXX at XXXX but no one ever called me. I called back at XXXX that same day while i was still at work and I spoke with a CSR at Flagship credit acceptance named XXXX who said there was never a note made and there were no supervisors on the floor available. I called back about the same thing three more times on different dates over the past 8 months and get the same response but still have received no emails and the credit bureaus still have not received anything till this day. I feel that im getting no where! I XXXX  flagship credit acceptance and they have lawsuits against them and other people have the same issue with them not reporting to the credit bureaus and get the same response but get nothing back! They also gave me a car with a 20 % interest rate. I will never finish paying this vehicle off!!
Product: Payday loan, title loan, or personal loan

I went to ace loan to get a loan for a unexpected financial crisis and all was provided and qualified except for a copy of check they wanted from me which I asked my bank doesn't issue paper checks but will generate one and email it but wasnt an option so on the document I signed to file there was to options to verify and it was check or debit card verifications option which was stated on the form I signed and they refused to provide verification that way even though that was my option stated in black and white and then was told well that isn't an option in California I responded well it was false advertising misleading there should be verbage indicating that California is not incuded and even showed the employee there was no such description which should be illegal! And they denied my loan when clearly met all required income and docs except check and my alternative options that I was lead to believe i had I didn't have all of a sudden I felt profiled and it eas quite an embarrassing event she put me threw
Product: Mortgage

I started a loan modification with Select Portfolio Services in XXXX during the pandemic, I filled out an application and I sumbitted everything to them and I always seemed to be missing something even though I sent them what they asked and I would always get a different answer when I spoke to somebody on the phone. I was appointed a relationship manager but anytime I asked to speak him/her it changed twice I was never was able to speak to them, I was told that anybody who answered could help me they all did the same thing. All calls were recorded and I have all documents that were sent to them via uploading them to there website. I hired XXXX XXXX XXXX in XX/XX/XXXX and I paid them very good money to help me with predatory lenders. I provided them with anything they ever asked me to and at first they were in constant communication with me. When I was near the end and my file was being sent to SPS for the final process I was passed onto another processor who did not communicate with me at all after I reached out to her multiple times via telephone and emails. I spoke with a manager today,XX/XX/XXXX her name is XXXX and I have started getting phone calls asking if I wanted to continue with a different processor. I am in communication with XXXX and hopefully can come to a resolution. I was granted a time frame by the local courts and relayed that to my processor who never responded and I missed the deadline and I am trying to get an extension from the court. I really would like to go through my mortgage co just to get a loan modification without all the delays which were not necessary
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. XXXX parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( XXXX ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( XXXX ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the XXXX XXXX  and the XXXX XXXX XXXX have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( XXXX ) from all three credit reporting agencies due to the violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I was notified that my XXXX XXXX had been compromised and cancelled that card immediately. To be safe, I decided to put on hold my credit using the top 3 credit reporting agencies. I started with TransUnion. I went to their website and clicked on the option that I thought was right, Credit monitoring so I could freeze my credit. The screen took me to an input screen to enter my name, address, and identifying information. To the right was my credit score boldly displayed and I filled in the screen as directed and clicked " next ''. It asked for my credit card information which I thought was odd but decided this was a verification for the agency to ensure I was the right person as they had all my credit information on file. I completed this and continued to next screen. After finishing, I was informed I would have a recurrent charge applied and was shocked. Never did I agree to any amount and nowhere was it clearly displayed any recurring charges. I went back in to repeat the steps to see if it mentioned any charges. On the input screen where you enter 15 or so items about yourself in small writing on the lower right corner in an " advertising '' style box with a random photo of someone was " credit monitoring for $ XXXX/month ''. As most people, I ignore the ads on the right side of my screen and never thought small writing hidden in a box would be of serious importance. My attention was focused on completing the page and continuing. I called TransUnion and after sometime of explaining and reexplaining ( 5-10 minutes ) the agent said " I would no longer be charged anymore ''. I debated that I didn't want to be charged at all and all charges must be reversed as the page was deceptive and misleading. I explained that this was fraud to charge someone without clearly showing the costs involved but she ignored me and said wait and a few minutes later she said she would reverse the charges. I had to put up quite a fuss and spend excessive time to fight my way out of this charge. Other consumers will continued to be scammed by this poorly designed and clearly deceptive website. Folks who are not so wary and ready to battle for their rights. This needs to be changed. Not clearly identifying charges and no step to verify the charges is deceptive and misleading.
Product: Money transfer, virtual currency, or money service

I have been requesting a pay off on my home and Mr. Cooper is failing to give me a timely and correct payoff amount. The first two requests were made on XX/XX/2019. I spoke with their customer service on XX/XX/XXXX, XX/XX/XXXX ( to three separate people over two calls ) and XX/XX/2019. I have received two pay off amounts and neither was correct and both were provided to me untimely. The second one was provided with a pay off date on the same date it was sent and provided after XXXX XXXX. ( on a Friday ). I couldn't pay it off b/c the bank was no longer open and I was told I would have to request a new payoff. Mr. Cooper makes about {$10.00} per day in interest that the house is not paid off. Since XX/XX/2019, this has made them over {$200.00} in interest despite the fact that I would have paid it off on XX/XX/XXXX or even before now if the correct information had been provided to me.
Product: Credit card

XXXX XX/XX/2024 : I discovered multiple transactions posted on my bill that I did not purchase or authorize. There were 5 transactions posted for the following amounts ; {$1700.00}, {$10.00}, {$6.00}, {$2000.00} and $ XXXX.totaling {$3800.00}. According to the Discover statement the vendor is located in XXXXI filled a dispute with Discover card ( Fraud Case # XXXX ) I requested several times any shipping or item identification documents, but Discover has refused to provide them. I did not authorize these transactions nor authorize anyone else to initiate these transactions. I did not receive any items from these transactions. I filed a dispute with Discover, initially they reversed the charges. After they investigated my complaint the charges were reinstated stating I was responsible for the full amount. I don't understand how I can be held responsible for these charges from the merchant in XXXX. In addition Discovers own website states " Discover offers cardmembers a {$0.00} fraud liability guarantee, which means you're never held responsible for unauthorized purchases on your Discover card ''. Repeated calls with Discover have resulted no change in their position, which appears to be in direct conflict to their stated position on their website. I was told by Discover that although I was scammed, scams are not fraud and I was liable for the entire bill.
Product: Credit card or prepaid card

On Sunday XXXX XXXX I called Citibank Master Card department to inform them my credit card was compromised and reported 9 fraudulent charges. Please keep in mind the 9 charges took place in XXXX DC ( my permanent residence ) concurrently while I was on travel to XXXX XXXX. Their fraud department should have picked this up and frozen the account immediately. Citibank should have also notified me regarding the suspicious activity. However, I was the one that notified the Citibank credit card. The account representative took down every fraudulent item and assured me that I was not responsible for those charges and would be receiving a new card by Tuesday XXXX XXXX, XXXX. 

On Wednesday XXXX XXXX, XXXX I check my account on line and I have a new credit card with all the fraudulent charges still active which I reported on Sunday. I called Citibank again and was told that the Citibank representative on Sunday did not flag the 9 fraudulent charges. I was told to repeat them again and spent another hour on the phone reporting fraudulent charges for a second time.

I am writing today regarding a formal complaint that this institution ( Citibank ) be investigated for not responding in a timely to fraudulent charges to not being proactive with their fraud department and for not protecting my financial interests. I have lost all trust in Citibank to perform their duty to protect me and my credit card account. To date I have neither received an e-mail or written confirmation that they are correcting my account regarding the fraudulent charges I 've reported twice to Citibank.
Product: Credit card

XXXX  and identity theft issues which also led to the decrease in credit limited. Evidence was offered after the credit card limit was dropped. Police report, proof of settlement by 3rd party went ignored by Victoria 's Secret and XXXX all bills was being paid thru bank account. Payments stopped after unjustified credit decrease. Victoria 's Secret refuses to communicate on behalf of issues. I closed the account due to unfair treatment. All credit cards was paid out of 2022 tax check. All funds lost due to decrease in credit limits are increasing payments due to credit decreases which was never my fault.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.