23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been a XXXX XXXX credit cardholder for many years. I always pay my balance in full each month. I can not recall ever carrying a balance. Late last year XXXX XXXX changed banks issuing their card. It is now Synchrony Bank. A few months later, suddenly an unexplained balance was appearing on my statement. I have called about it many times. They can not provide me a statement with details of any transaction for the amount. I paid the balance for charges I knew I made, had paper and digital receipts for but have been refusing to pay the unexplained balance. They have been charging me interest on the unexplained balance at a rate of 30.24 % and charging me XXXX XXXX/month in late fees. They have reported a late status to the credit reporting agencies, harming my good credit. I have spent hours on the phone trying to get it resolved. The past 2 calls were over 2 hours each. They can not point to a transaction or explain why this balance suddenly appeared but they insist I pay it. Each time I request a statement showing the transaction, they send a current statement showing the balance and additional interest and late fees, but never a statement showing the original transaction. I have tried to report it as fraudulent activity with them and this has not resolved the problem. I closed the account because I can not get this resolved but they continue to attempt to collect and assess fees.
Product: Checking or savings account

BANK OF AMERICA HAS GIVING ME NOTHING BUT PROBLEMS ... IT TOOK ME OVER A YEAR FOR THEM TO GIVE ME THE PROPER AMOUNTS FROM MY EDD PAYMENTS .... I HAVE CONTACTED THEM ALMOST ON A DAILY BASIS IN 2021 ... THEY FINALLY CFREDIT MY ACCOUNT BUT WITHHELD TWO CLAIMS AND ARE STILL DOING SO ... THE AMOUNTS ARE ROUGHLY {$4600.00} AND {$6000.00} THOSE AMOUNTS WERE PART OF THE ENTIRE CLAIM WHICH THEY FINALLY APPROVED I DO BELIEVE IF I HAD NOT BEEN STEAD FAST THAT THEY WOULD HAVE NOT GIVING ME ANY OF MONIES. 
PLEASE HELP ME I LOST MY PLACE WHERE I LIVED DUE TO THAT WHOLE ORDEAL THAT THEY UNECARRILY PUT ME THRU WITHOUT ANY MERIT ON THERE PART. THEY ALSO WOULD EXCEED THEIR TIME LIMITS AND VIOLATE THEIR OWN BY LAWS WITHOUT EXPLANATION OR ANY PROPER DOCUMENTATION.
Product: Mortgage

My mortgage was sold to Nationstar - they never rec'd the XXXX payment at the time of the switch- they didn't tell us until several months had passed and they started applying payments to the prior months and demanding we pay XXXX the amount due to catch up - meanwhile tacking on late fees every month.  (I finally did to shut them up)  They also have billed us XXXX for an alleged drive by to see if the house was occupied (despite getting mail from us at this location and not having any of their mailed statements returned by the Post Office.  Most recently, they started sending me electronic statements (WHICH I NEVER REQUESTED) - at first, I thought the statements were just lost- after a couple of months, I realized it wasn't me but rather Nationstar was up to their old tricks.  I sent in payments when I thought they were due... I never was able to confirm status.  XXXX payment was missed- again - they started applying payments retro-active and never communicated with me until I CALLED and Nationstar had applied late fees again. XXXX times- they report me as deliquent to the credit bureaus and accept no responsibility.  I've sent an email advising do not call b/c now they have started calling- XXXX day, XXXX times- XXXX of which were 15 minutes apart.  This wakes my husband who works night shift.  They have called XXXX yesterday and XXXX today despite having sent the do not call notice.  XXXX day - I spent over an hour on the phone with customer service with no resolution - the only way to get resolution is to make nasty posts on XXXX which prompts them to follow-up and respond or else they know you'll keep posting.  The internet (including XXXX is FULL of negative comments about this company.  I am honest in my banking - if you look at the prior 20plus years of home ownership, I never had a problem but now with Nationstar, I have nothing but trouble.
Product: Debt collection

All State Credit Bureau accessed my credit without my written consent. They stated they did it because of a judgement they have against me this is false. All State Credit Bureau has never took me to court, they dont have a judgement against me, and they should not have my personal information. I have never done business with this company and I demand they show a proof that I owe them a debt and have an account with them. As previous stated this company is violating my rights as a consumer for falsely stating that I have a debt or any binding contractual agreement with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I have an inquiry on my report from XXXX bank that does not belong to me. I reached out to the bureaus months ago and was told to reach out to the company. I reached out to the company and they could not tell me who it was but did say it came from someone living in another city in which Ive never lived. I was told they could send something to the bureaus to have it removed. I called the bureaus a couple weeks later and they said they hadnt received anything. I was able to dispute the inquiry and file a police report in XXXX and I just noticed the inquiry is still on my credit report. I was able to reach XXXX but have not been successful reaching Transunion. Im also locked out of my account to be able to see my reports. I called and they could not get me in and they were supposed to escalate it and I never heard anything. I called back today had customer service hang up on me, the automated system did not get what I was saying and hung up, and just automatically sent me to text. I responded to the text and they told me I have to call the number back. Its too many incidents to name but Im not getting anything taking care of from someone else info on my credit report. This has been ridiculous and going on for months for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I told XXXX XXXX that I would be moving. Told them in XXXX that I would have to move from XXXX because I had medical problems going up and down stairs. Company stated what I had to do. We would probate the time because I was leaving at the middle of month in XXXX. I had to probate that from bank to settle. so, when I try to go to the office the door was lock and the sign said close because of Covic19. Than I try to reach them because I needed to sign everything is clear. No, office, no phone service and I try emailing the company. That's went I got the run around they kept sending me emails stated when you move we will glad to set you up with gas, utilities and other things in your new place. I email them and said no remember I moving. so no communication from them. I never got no response to prove that I don't owe. I paid my last payment from in my bank got proof. One year later a agency call me and it was a New company name XXXX that took over XXXX XXXX and collections name Genesis collections is working to get {$3100.00} from me. I don't owe them any money at all. Pandemic cause me to be caught up with this amount. I am innocent of this. Please help my husband and I are trying to have good credit because next year were buying a house!!! thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts from my file 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 delete these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my authorization. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX Bankruptcy XXXX Date Filed : XX/XX/2019 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account XXXX requested to be deleted after an investigation was done. However, once I submitted the proof of deletion request EXPERIAN continued afterwards to report the account. The account was even verified after the fact of the documentation being provided. Please see attached proof of deletion.
Product: Checking or savings account

XXXX illegal/fraudulant wire transfers and XXXX XXXX XXXX transfers were made by scammer. 
We had no knowledge that money was being stolen from our checking account. 
Details as follows : XX/XX/XXXX wife receives a text message telling her XXXX order is confirmed and your account will be charged {$490.00}. Inform us at XXXX if you haven't made a purchase. Wife called the number and was told to download a shared screen app. She shared screen and signed into our JP MorganChase checking account so the person impersonating XXXX can put the {$490.00} dollars back into our checking account. While she did this the impersonator made the XXXX of XXXX wire transfers to XXXX Bank, XXXX XXXX for {$3500.00}. XX/XX/XXXX wife receives a follow up phone call from XXXX impersonator telling her they need to put money back in our Chase checking account. She shares screen and a second wire transfer {$6900.00} is made to XXXX Bank, XXXX. Wife gets text from XXXX ( XXXX ) XXXX : Thank you for choosing XXXX. You have received a credit of {$3500.00} on your Chase checking account. Amount may reflect in a while. Regards XXXX XXXX Billing XXXX XX/XX/XXXX Wife gets repeat text from above number and person Thank you for choosing XXXX. You have received a credit of {$6900.00} on your Chase checking account. Amount may reflect in a while. XX/XX/XXXX Wife gets text to call XXXX impersonator. Final wire transfer to XXXX Bank, XXXX was made from our checking account for {$8900.00}. XX/XX/XXXX I happened to look at our checking account to pay bills and noticed these XXXX wire transfers. My wife had no idea that these impersonators were stealing money from us and making wire transfers to bank in India. I also discovered XXXX consecutive fraudulent withdrawals from our checking account through XXXX XXXX XXXX CA each for {$500.00} -total {$2000.00}. I immediately called Chase Bank to report the fraudulent activity. Chase did a 1 month investigation and concluded they are not at fault because my wife shared her screen with these impersonators. I have been a Chase customer for more than 25 years and have never made a wire transfer. Chase should have called to inform us of these wire transfers before they were made. They have taken zero responsibility for approximately {$20000.00} in illegal wire transfers out of my Chase checking account. Any suggestions on how I could recover the money?
Product: Debt collection

I have never been in debt besides student loans which I have fully paid. My father had the same exact name as me which I believe this issue arises from. He is deceased and he may have passed before he could pay this debt. I have requested information regarding this debt to prove it is not mine but the agents yell at me, call me a lair, call at all hours of the day and night, and curse. This debt is not mine and I have asked them to sue me so I can prove it in court. They seem to have a tactic of harassing anyone to get them to pay someone else 's debt.
Product: Credit reporting or other personal consumer reports

I have found incorrect information on my report, I have contacted the credit bureau about this to please verify the account and validate it because its reporting wrong information. My report should be 100 percent accurate they have failed to provide any info. 
The acct is XXXX XXXX XXXX XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. XXXX. XXXX Dear Sir or Madam : As of XXXX whats reported on Experians Report still displays a fraudulent account on my report. Its not on XXXX  or XXXX. I am writing to dispute the following information in my credit report file. I have attached several documents to show the fraudulent alleged accounts claimed that I owe. This account DO NOT EXISTS ON XXXX  NOR XXXX. 
The items I disputed on the attached copy of the report I received.The information on XXXX XXXX XXXX account number XXXX with a balance of {$570.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt.Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 then records of convictions of crimes which antedates the report by more then 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We are trying to work through the process of trying to close on my  Aunt 's co -op, located in the neighborhood of  XXXX . For several weeks our attorney has tried to get the official pay off documents so that the closing can move forward. It 's not a complex process because our buyer is offering cash for the deal. The bank has stalled and delayed and stalled to the point that we are going to lose this buyer and have to begin the whole process over again. Considering how hard it is to find a buyer who is approved by the Co-op board, we would like to avoid thi s. M & T Bank ha s been of little help. We get excuses. We get promises and still we wait. The bank simply says, " well, we 're waiting on the paperwork from this person or we 're not sure where the document is. '' Meanwhile we are getting a financial hit because we have to continue to maintain the property, maintain the utilities and pay co-op fees.     We, including our attorney, are frustrated. HELP!
Product: Debt collection

I contacted LVNV Funding to confirm the amount that was charged off, as I believe that is incorrect. They never confirmed what amount was owed, and how they became responsible for the account.
Product: Consumer Loan

This is a follow-up to Case Number XXXX. US Bank acknowledge in their response that they misplaced a check and once a new check is issued and paid they will resolve the outstanding loan and ensure the " credit bureau is corrected effective the total loss date. '' On XXXX XXXX, the insurance company sent a mailed a check replacing the check US Bank lost. I immediately went to the bank to sign the check over and to being the stets to resolve this issue. To date, I have not received a release of the lien. Instead, I received a " Notice of Intent '' demanding {$5600.00} considerably more than the {$3200.00} balance noted in the XXXX XXXX letter mailed to be in regards to my previous complaint. Furthermore, US Bank has failed to pay back the {$180.00} overpayment ; stating it was recouped to pay for fees. I advised US Bank that I was unaware of being charged any fees. I inquired as to what the fees were pertaining to and again advised that if they were related to charged that would not have been incurred if the original check had not been misplaced. The bank representative ( XXXX ) could not advised. I did inform US Bank that without being informed of any charges and their ability not to justify retaining the {$180.00}, is nothing more than theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI, XXXX XXXX XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern : Subject : Violation of Consumer Rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 I am writing to formally lodge a complaint in accordance with the Fair Credit Reporting Act ( FCRA ) regarding multiple violations of my federally protected consumer rights. The following accounts have infringed upon my rights to privacy, confidentiality, and accuracy under 15 U.S.C. 1681 : Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX  XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Outline of My Rights Violated Under the FCRA : Right to Accuracy ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure that information they report is accurate, complete, and up to date.

Right to Privacy ( 15 U.S.C. 1681b ) : Your credit report can only be accessed by parties with a permissible legal purpose.

Right to Dispute ( 15 U.S.C. 1681i ) : You have the right to dispute inaccurate or unverifiable information, and agencies must correct or remove it if it can not be verified.

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take the necessary actions to ensure compliance with the FCRA. I look forward to a prompt resolution and appreciate your attention to this matter. 

Please keep me informed regarding the status of this complaint. Should you require any additional information or documentation, I am prepared to provide it. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
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. 
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! The reports are 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 card or prepaid card

I have been going through financial hardship and it has caused me to be late on payments. I have reached out to XXXX to remove late payments on my report and Im having no luck.. I have started making payments on my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO CONTACT SANTANDER, I'VE WRITTEN ALL THREE BUREAU 'S WITH NO HELP