23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding negative information, unauthorized charges on my credit card, incorrect information on my credit report, and deceptive practices by a debt collector. I have made several attempts to resolve this matter but my concerns have not been adequately addressed. I believe that the actions of Credit Bureaus are in violation of consumer protection laws, and I am seeking your assistance in resolving this issue. I have attached copies of relevant documents. I kindly request that the CFPB investigate this matter and take appropriate action to ensure that my rights as a consumer are protected. I am seeking a resolution that includes the removal of inaccurate information from my credit report. The following items need to be removed immediately : XXXX XXXX ; XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX XXXX Balance : {$24.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX  ; XXXX XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX Balance : {$24.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX : {$440.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$9100.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX, XXXX ; XXXX XXXX CA ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX : {$440.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX Balance : {$820.00}.
Product: Debt collection

I have XXXX Fraudulent dispute on my credit report, which I have no reckalition of, they are from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE FRAUDULENT. I NEED A REPORT SO I CAN GET THEM REMOVED OFF MY CREDIT..
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX  XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$0.00}.
Product: Payday loan, title loan, or personal loan

was approved for auto loan and never recieved the money.
Product: Debt collection

My fiance and I moved from the original creditor property on XX/XX/XXXX. We informed them prior to moving of our intent to do so and provided an address at which we could be contacted. We were not informed of any outstanding balance owed. On XX/XX/XXXX, my fiance and I moved into a different property owned by the creditor. Before we could move in, the manager at that property had to check our names for any unpaid balances with the creditor. Both of our names came up clear. On XX/XX/XXXX, a collections was reported to both my XXXX and XXXX credit reports from Sentry Recovery and Collections for {$1200.00}. The original creditor is XXXX XXXX XXXX with the original balance of {$960.00}. This debt was supposedly opened XX/XX/XXXX. XXXX XXXX states in their registration agreement that any person leaving with an outstanding balance will be consider a " non-eligible '' customer at all XXXX properties until the balance is current or a payment plan is arranged. The debt appears to be manufactured after the fact and false. We should not have been able to move in to the second property if this debt existed. To this date, we have not received anything in writing regarding this debt from either Sentry or XXXX. The balance is currently being reported on both my fiance 's and my credit reports as {$1200.00}. We are still able to receive mail at the address originally provided as it belongs to my mother. I've recently began receiving voicemails from someone saying they are from SRCI. The calls are sent to voicemail as my phone deemed the calls as likely scam calls. The phone number is always different and not the phone number listed for the company.
Product: Checking or savings account

I am filing a complaint regarding Capital Ones failure to deposit my direct deposit from my employer and any other deposits. Capital One has cited technical issues which may violate the Electric Funds Transfer Act as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I submitted a request to MoneyGram for the deletion of my account due to a recent security breach that potentially exposed my personal information. Instead of processing my request, I was wrongfully accused of fraud, despite having no transactions with MoneyGram or any linked financial accounts. Following this accusation, my attempts to communicate with them have been ignored, and I was advised to approach an agency for resolution instead of having my account deleted as requested.
Product: Credit reporting or other personal consumer reports

I have my personal statements on my XXXX such as XXXX, XXXX and Equifax that are reflecting that affects any newly applied credits of mine to any Financial Institutions and also, my old phone number is the XXXX listed for fraud alerts indicated on the personal statements or consumer statements on each Federal credit monitoring XXXX XXXX which precisely incorrect and I am requesting for a removal of all the personal statements on every Credit Bureaus its all made available and reflecting. And also, update my phone number from XXXX to XXXX as it is my updated, new contact cell phone number i basically have and using now already from XXXX. XXXX
Product: Bank account or service

I opened an Citigold account at a Citibank branch with a promotion code XXXX for XXXX AA miles. Not only they sent my debit card and check to the wrong address for three times which caused I could n't use my debit card for XXXX month, but they also denied the XXXX AA miles after I have done the requirement. In addition, they are happy to charge me the monthly fee but not giving me the miles I should get. It is totally unacceptable.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts : XXXX, CapitalOne, XXXX XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a ( n ) account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/ was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Product: Credit reporting or other personal consumer reports

It has not been confirmed by National Credit Adjusters that this account is reporting with the highest level of accuracy permitted by the FCRA. I have made multiple attempts to have this account validated through the credit bureaus and collection agencies, but I have not received a response. Because of the current violations I have discovered regarding my credit profile and unverified accounts, I have reason to believe that reasonable procedures were not conducted on these accounts. 

If I don't resolve an account and it continues to report incorrectly, it is against my rights to claim that it has been resolved. How can a disputed be addressed if the customer disagrees? Who settled the disputed account? No reasonable procedure was carried out?
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been a victim of identity thief and there has been fraudulent accounts placed on my credit report.that i need removed i have attached all the accounts and all the reports made about this complaint
Product: Vehicle loan or lease

I XXXX, XXXX XXXX requested a loan payoff for the account on XX/XX/XXXX and the loan payoff was posted to the online message box on XX/XX/XXXX. The loan payoff letter was received in the mail on XX/XX/XXXX. The loan payoff is due by the XXXX. On XX/XX/XXXX the first letter of instructions ( claim of credit ), XXXX, federal reserve XXXX XXXX and XXXX, and the negotiable instrument of the loan payoff endorsed was sent to the CFO over night and was received on the XXXX at XXXX pm ( letter of instructions states XXXX business days will be given to receive a response. A copy of the endorsed negotiable instrument of the loan payoff was sent to the billing center requested in the letter that was sent to XXXX XXXX. The first correspondence from Volkswagen credit was post marked XX/XX/XXXX and said they received my correspondence on XX/XX/XXXX. The second set of instructions that was sent to the CFO ( opportunity to cure ) along with POA, federal reserve section 16 and 29, and the negotiable instrument of the loan payoff endorsed on XX/XX/XXXX giving XXXX business days to respond. Volkswagen correspondence was postmarked XXXX and said my correspondence was received XX/XX/XXXX. The third set of instructions was sent on XXXX ( default of notice ) along with POA, federal reserve XXXX XXXX and XXXX, and the negotiable instrument of the loan payoff endorsed. Again, given XXXX business days to respond accordingly. Their correspondence was postmarked XX/XX/XXXX and said my correspondence was received XX/XX/XXXX. All of my instructions were sent overnight using XXXX with tracking. Also, all items sent had to receive a signature upon delivery. A copy of this file complaint and all evidence has been sent to the CFO as well. As of XX/XX/XXXX the instructions have not been completed by the CFO at this time. As of now the CFO of Volkswagen credit Inc. is in violation and breach of contract of the following laws/acts : 15 USC 1611 , 3-602, 3-603, 3-604, 3-611, 3-408, 3-409, federal reserve act section 16, and federal reserve act 29. Due to the nature of the violation, I am seeking remedy of the full contract to be paid out for the account with Volkswagen credit Inc. and 1 percent of the total assets of Volkswagen credit Inc. member bank.
Product: Credit reporting or other personal consumer reports

We both know that Charge Offs/ Write Offs should not be reported on a credit report this is considered ordinary income and the companies filed these with the IRS and the companies fair to take the proper steps by sending me a 1099c and they should be removed from my report permanently as it is a violation of 15 U.S.C 1681
Product: Credit card or prepaid card

I have lost over {$15000.00} to Barclays Bank, and I am complaining to get it returned. 

I had a large credit balance -- more than {$15000.00} -- on my Barclays XXXX due to a cancelled trip where my money was refunded to the card. I called into Barclays to request the money be sent to me. I was told they would have to send me a check, and that there is no way to send it by express mail or to deposit it electronically. ( I pay my bill electronically, so ironically they can withdraw from my account, but not deposit ). How convenient that it only works one way in their favor. 

The check is lost, and so is my money, and they have lied to me about it. The credit balance has disappeared. The money is gone. 

I called into Barclays approximately XXXX XXXX  XXXX  on Monday, XXXX XXXX, and requested another check be sent. I was told it would go out regular mail again, and I complained to a supervisor who finally relented and said they would send it out Fedex, but it would still take 3 to 5 business days. 

I have not received the check, and I called in this morning, XX/XX/XXXX, and was told by another supervisor something completely different. No check has been sent out and they will not use express mail, and what I was told on XX/XX/XXXX by a supervisor is not true! I think I was lied to just to get me off the phone. Even worse, I can get NO INFORMATION whatsoever as to the status of my money, and this latest supervisor even stated that it could be one to two billing cycles (! ) for them to re-process my {$15000.00} refund. I am not OK with this at all. They are stealing my money or at least the use of it. It's outrageous that they can receive payments electronically, but not send them back electronically. This is abusive, and it is intentional, and I have been lied to in the process.
Product: Credit card

I opened a Carecredit account in XXXX to pay for some emergency vet bills for my dog. I do not remember selecting the " XXXX XXXX fee '' option on my application. They have been charging this fee buried in my statement since I opened the account. 1.6 % per every {$100.00} per month which equates to almost 20 % extra APY. I've spent over {$8000.00} in this fee alone, in addition to interest charged. I noticed this charge and called the number on the back of the card which is the Synchrony customer service. They tell me I have to speak with a 3rd party company, " XXXX XXXX ''. I call this XXXX XXXX on XX/XX/XXXX and get them to remove this from my account and offer me a refund because I didn't sign up for this. The first agent I spoke with was able to give a total amount that I've paid in fees since the creation of the account, which came to {$8100.00}. I request to speak with a manager and they tell me they can only refund up to one year and give me a case number for the resolution department. They claim I will be contacted in 7-10 business days. I call back on XX/XX/XXXX to check the status of this " resolution '' by the case number they give me. Nothing new so I request to speak with a manager. I've been hung up on multiple times in this entire process. I finally speak with a manager and ask for a copy of my application ( I've asked both Synchrony customer service and XXXX XXXX ) but they tell me they can't do that. I also ask them to tell me my total amount paid but they claim they can only see 1 year. I confront them, asking them how did the agent give me that very specific amount the first time I called but not now? I do have proof of this agent giving me this number. They couldn't give me an answer for this, just repeat the same scripted response. I ask to be transferred to to the resoutions department but they claim that they can't do that nor will they provide me a phone number. Still waiting for any type of correspondence from the " resolutions '' department. This is one of the worst companies I've ever dealt with in my life. There's a reason they have a 1 start rating on the XXXX  website. Both Synchrony and " XXXX XXXX ''. They both are not forthcoming when speaking with any of their support agents and they refuse to provide me with the information I've requested. ( Transactions past one year, copy of account application ) etc. After doing research on this company, I know I wasn't the first and won't be the last to deal with this shady business.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX {$0.00} XXXXRemove XXXX XXXX XXXXXXXX {$0.00} XXXX Remove XXXX  XXXX {$0.00} XXXX Remove XXXX XXXXXXXX {$0.00} XXXX Remove US Bank {$0.00} XXXX Remove XXXX XXXXXXXX {$0.00} XXXX Remove XXXX XXXX Remove inquiry XXXX XXXX XXXX XXXX Remove Inquiry XXXX XXXX XXXXXXXX Remove Inquiry XXXX XXXXXXXX Remove Inquiry
Product: Checking or savings account

On XXXX my Wells Fargo Debit Card was declined at the Grocery Store. I called the number on the back of the Wells Fargo Bank card. I was told BOTH accounts that i am Trustee for, have been closed " due to fraud ''. " Due to fraud '' was the reason i was given and was told they can not give me any more information without talking to the Bank. I called the Bank that same day and as usual, nobody picks up the phone. I go home and check my email. There is an email dated XXXX From XXXX XXXX, a Financial Crimes Associate of the External Fraud Investigations for Wells Fargo Bank, from XXXX, TX. On XXXX i sent a reply email to XXXX XXXX and to date, XXXX XXXX has failed to Reply to my email. On XXXX i checked my phone messages and found a message from the Wells Fargo bank dated XXXX, the message said " There is an issue with XXXX of your accounts and we need You to contact us at the Bank ''. Nothing else was said, no explanation of any kind. On XXXX i called the Bank at XXXX and XXXX at about XXXX ... .No answer after ringing about XXXX times. I called again on the same day, this time at XXXX ... to which the phone rang again about 50 times with NOBODY answering. I called again at XXXX and continued to call OVER AND OVER letting the phone ring til their phone system would hang up on me. On XXXX, I called Wells Fargo again at the XXXX and XXXX branch ... ... NOBODY WILL PICK UP THE PHONE ... .1st call was around XXXX, it Rings and Rings and they never pick up ... .Same thing at XXXX, XXXX, XXXX, XXXX and XXXX. Since this is Typical behavior of Wells Fargo and ALL it's XXXX locations. Approximately 1 week later, in XXXX, i get 2 letters in the mail from Wells Fargo Bank dated XXXX. XXXX letter is a Check for the remaining XXXX Funds from 1 of the accounts that was closed. The other letter is a Statement for the 1 closed account. There is no explanation about the Other Trust checking account, there is no explanation as to why either accounts were closed, why the fraud department was involved ... .NOTHING. No Explanation. Wells Fargo closed both accounts claiming Fraud over the phone, then they issue me a Refund Check and provide NO EXPLANATION about the alleged fraud and why the 2 accounts were closed.
Product: Mortgage

I and my husband are victims of wrongful foreclosure filed by The Bank of New York Mellon acting as Trustee for XXXX XXXX XXXX. 

On XX/XX/XXXX we signed a Mortgage Contract with XXXX XXXX XXXX , XXXX, who in XX/XX/XXXX was purchased by XXXX XXXX XXXX. According to the mortgage agreement, the lender was XXXX ; and XXXX was named as a mortgagee. Based on XXXX website, our loan has inactive status with XXXX and the Servicer is XXXX XXXX XXXX. 

On XX/XX/XXXX, or more than 10 years after we signed loan agreement with XXXX XXXX XXXX, the Bank of New York Mellon filed a foreclosure case acting as Trustee for XXXX XXXX XXXX. In support of this complaint Bank of New York attached a copy of the Note which has a stamp signature of XXXX XXXX XXXX, a well-known robo-signer and former managing Director who does not work for XXXX since XX/XX/XXXX. The Note was accompanied by purported " chain of endorsement '' signed by well-known robo-signer XXXX XXXX, XXXX " Vice President ''. 

In XX/XX/XXXX Bank of New York already tried to file a foreclosure case against our family, XXXX, but was not able to provide any documents. 

In XX/XX/XXXX case Bank of New York Mellon recorded an Assignment from XXXX to Bank of New York. In XX/XX/XXXX case the second page from XX/XX/XXXX Assignment of Mortgage was used as purported " chain of endorsement '' to our Note signed in XX/XX/XXXX. 

When we tried to contact Bank of New York Mellon and their Servicer, XXXX XXXX XXXX XXXX, to request copies of original Note with full chain of assignment, they failed to provide us this documents, as well as prove that our loan was a part of XXXX XXXX XXXX. 

In XX/XX/XXXX XXXX created at least XXXX XXXX, each worth billions of mortgages. Here are no single documents in support that our loan was part of XXXX XXXX and not any other Trust. 

Moreover, Statute of Limitation already passed to collect anything on this loan long time ago under all applicable laws. Furthermore, XXXX can not accept any securities transfers after 90 days from its closing day, which was no later than XX/XX/XXXX. 

When we asked Bank of New York Mellon and their Servicer, XXXX XXXX XXXX XXXX to validate payment amounts, they always sent me completely different amounts and were not able to explain how it was calculated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent please provide the physical documentation you provided to Experian on Report NumberXXXX. Informs reported has to be 100 % verifiable and 100 % accurate under federal law. EOSCAR doesnt support sending physical documentation to the credit bureaus. Please provide proof of what documentation you sent to Experian through the CFPB portal. I have a legal right to know what physical documentation you sent to the credit bureaus since you verified this account to Experian.
Product: Checking or savings account

Someone was using my name in my account causing payments I did not authorized cash app account now is close because the unauthorized spending XX/XX/year> until XX/XX/year> 2024