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

I submitted an online bank payment of {$7000.00} from one bank to my Wells Fargo credit card on XX/XX/23, wells fargo received the payment and show it was a pending post on XX/XX/23. On XX/XX/23 it shows it posted to my account but only {$500.00} was posted and made available. I contacted Wells Fargo and was told not to worry the remainder of the balance would post on XX/XX/23 on XX/XX/23 when it still had not posted I called in again and was told they had placed a 4 day hold on the funds on XX/XX/23 to investigate the transaction but that funds would be released on XX/XX/23 when funds were not released on XX/XX/23 I called in again and was told they did not initiate the 4 day hold until XX/XX/23 so my funds should be released on XX/XX/23. Wells Fargo is holding my money hostage and refusing to do anything about it. They keep changing the date of when it will be posted to my account. Today when I called in to file a complaint with WF they told me they really have no guarantee or way to tell me when my funds would be posted and next time to just go in the branch to make payments.
Product: Mortgage

On XX/XX/2022, at or about XXXX XXXX. I started an administrative process on XXXX XXXX XXXX XXXX M & T Bank XXXX sent and delivered to him by certified mail. In these documents they are including and explained the unlawful actions that I found in the mortgage processes, for the property at XXXX XXXX XXXX, XXXX, VA XXXX. 
M & T Bank Violated : Conspiracy Against Rights, Depreviation of Right Under XXXX of Law, Attempt and conspiracy, Aggravated Identity Theft, Bank XXXX, Frauds and Swindles, Mail fraud and other offenses, Interference with commerce by threats or violence, Fraud by wire, radio, or television. 
The response I received from XXXX XXXX and M & T Bank, was and have always been a Presentment for payment of the upcoming month or/and a copy of the Deed paperwork. As of the day XX/XX/2022. XXXX XXXX or M & T Bank has not responded to any of my processes. On XX/XX/2022, at or about XXXX XXXX I repeated the administrative process again, to XXXX XXXX XXXX XXXX. In which my documents were received and accepted, by XXXX XXXX or his office. Once again, XXXX XXXX has not responded to any of the affidavits, his corporations interns send me back a presentment and the deed information. This second set of documents included the original documents only difference was that the Notice read. 2nd notice Opportunity to cure. 
On XX/XX/2022, I completed the administrative process through the mail, with a 3rd and final packaged, stating and letting XXXX XXXX know. That his acquiesced to my XXXX process has now put him in Default. XXXX XXXX and M & T Bank still have not responded to my Affidavits or demands, placing M & T Bank in Dishonor through the administrative processes along with the demands that were expressed to be discharged. 
As a direct and proximate result of the carelessness, recklessness, and negligence of the defendant as aforesaid, XXXX XXXX XXXX XXXX XXXX, XXXX caused to suffered mental anguish, XXXX, lack of sleep and anxiety. And will continue to feel this abuse from, XXXX XXXX every month. From the disregard to my personal wellbeing by his actions, they continue to send me a presentments to be paid every XXXX of every month.
Product: Debt collection

I had a master card with XXXX XXXX that I used and paid off for years. This card was converted to XXXX credit card which I never received or activated. On XX/XX/year> there were XXXX charges of {$.00} each for XXXXXXXX XXXX that I never made. XXXX let the charges go through even though I never received or activated the card. They never provided me a statement for these charges. They called me after these charges had accelerated to XXXX XXXXXXXX with late fees, interest, etc. I advised this was fraud. Despite calls, emails, etc. XXXX would not rectify. They wrote it off and sent to Midland Credit Managment to collect. Many calls to Midland requesting they rectify, but they refused and only wanted me to pay this fraud. Finally got a supervisor who sent me paperwork to dispute. They will not rectify unless I include a complaint with CFPB. Therefore I am now filing to obtain the documentation Midland seeks to get this off my credit history.
Product: Debt collection

I'm requesting that validation from LVNv funding llc I also need to see a forward flow agreement of this alleged that.

I need to see my signature with LVNV funding proving I owe this alleged that to this company.

See documents below
Product: Debt collection

Received a call from Phone # XXXX, Caller ID XXXX XXXX XXXX XXXX, at XXXX XXXX on XX/XX/XXXX at my business. Did not recognize #, sent to voicemail. Left the following message : " XXXX. If you are ... .. ( unintelligible, muffled inserted voice ), please continue to listen to this message. There will now be a 3 second pause in the message to allow you to disconnect the call. By continuing to listen to this message you acknowledge that you are ... .. You should not listen to this message where other people can hear you as it contains private to personal information. There will now be a 3 second pause to allow you to listen to this message in private. Please do not hang up. This is ACEI calling regarding a personal business matter ACEI is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please press 1 now to speak with a customer service representative. Alternatively, you can contact our office at XXXX or XXXX. You may also go to " resolvemyaccount.com forward slash ACEI for assistance. '' End of message. 

I DO NOT OWE ANYONE, ANY MONEY. This caller is a harasser trying to obtain my private information. An internet search on XXXX XXXX  XXXX showed that this company has been harassing people since XXXX and they continue to do so in XXXX. Why can't the authorities stop these thugs from taking away my productive hours from operating my business? I am also going to post this on 800 notes.com for others to see.
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX SENT OUT DISPUTE LETTERS TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) THEN AGAIN ON XX/XX/XXXX WITH TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX TO ALL CREDIT BUREAUS. This letter directly incorporates the issues identified in the CFPB lawsuit and references your rights under the FCRA to demand compliance and corrections. 
I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX AND Experian
Product: Credit reporting or other personal consumer reports

I have some inquiries that I am unaware of on my credit report and have no knowledge to at all and I also have some closed accounts that are still on report that need to be removed. 

Below are inquiries that I am unaware of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are closed paid accounts but still under late payments and need to be removed.
Product: Payday loan

I applied for a {$400.00} loan on XXXX XXXX 2016 with big picture loans was told that i would qualify for a reduced rate of payments of {$100.00} every 2 weeks signed documents online then went to view documents the payments changed to {$140.00} every 2 weeks for XXXX payments then for XXXX payments it is raised then slowly goes down and the interest rate is higher than was told it is 704.9185 %
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, Transunion I want monetary relief due to your company violating my consumer rights. 

TRANSUNION is violating the Fair credit reporting act laws. I am requesting monetary relief. 

XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] I HAVE A RIGHT TO PRIVACY. 

XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I DID NOT GIVE XXXX ORAL OR WRITTEN PERMISSION TO PUT A BANKRUPTCY ON MY CREDIT REPORT. 

XXXX. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ]. 
( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), NO consumer reporting agency may make any consumer report containing ANY of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. [ THE DATE OF ENTRY ARE SHOWN ] THE DATE OF ADJUDICATION IS SHOWN ALSO ] XXXX. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] THIS BANKRUPTCY WAS NEVER DISCLOSED TO ME. 

XXXX. Compliance procedures [ 15 U.S.C. 1681e ( b ) Accuracy of report 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. 
I REQUESTED TRANSUNION TO CHECK THE ADDRESS THAT WAS REPORTING WITH THE BANKRUPTCY. TO VERIFY IF THE BANKRUPTCY WAS MY PREVIOUS OR PRESENT ADDRESS. THEY DID NOT VERIFY THE ADDRESS. 

XXXX. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
AS YOU CAN SEE THIS BANKRUPTCY SHOULD NOT BE REPORTING DUE TO INACCURATE INCOMPLETE AND CAN NOT BE VERIFIED BY ITS ADDRESS. 


XXXX. Requirements on users of consumer reports [ 15 U.S.C. 1681m ADVERSE ACTION WAS TAKING WITHOUT NOTIFYING ME WHEN THIS BANKRUPTCY WAS PUT ON MY CREDIT REPORT.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress fort these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following unauthorized inquiries on my credit report and they may be fraud related : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Formal Dispute of Collection Account Violation of Consumer Rights Dear CFPB, I am writing to formally dispute the presence of a collection account on my consumer report. The collection agency responsible for this account has failed to comply with several provisions of federal law, and I am requesting that this account be removed from my report immediately based on the following violations : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency has placed this account on my consumer report without providing the required validation information. Under 12 CFR 1006.34 ( b ) ( 5 ), the agency is obligated to provide specific validation information regarding the debt, which has not been done. This failure to validate the debt violates my rights as a consumer. 

2. Lack of Opportunity to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given a proper opportunity to dispute the account. According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), a consumer must be informed of their right to dispute the debt before it is reported to any consumer reporting agency. The collection agency did not provide this information, which prevented me from exercising my right to dispute the validity of the debt.

3. Use of False and Deceptive Means : The collection agencys actions constitute a violation of my consumer rights by using false and deceptive means. Reporting a debt without proper validation and disclosure is misleading and creates an inaccurate reflection of my financial situation. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
4. Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : The collection agency has no authority to furnish information regarding this account to any consumer reporting agency without providing the necessary disclosures required by law. Their actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), as they have reported the debt without meeting the required legal standards for disclosure and accuracy. 
I respectfully request that this collection account be removed from my consumer report immediately. The actions of the collection agency have caused undue harm, and I expect swift and appropriate action from the CFPB to address these violations of federal law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I leased a vehicle through Chrysler Capital. Due to s severe decrease in income, I fell behind on payments and they repossessed the vehicle on XX/XX/XXXX. The only prior notification that I received of the pending repossession was a letter dated XX/XX/XXXX, titled " NOTICE OF LEASE TERMINATION AND EARLY TERMINATION LIABILITY. '' Since that time, Chrysler Capital has reported a Collection/Chargeoff in the amount of {$7500.00} to the credit bureaus. 

Late last year I began researching my rights and options for improving my credit score, and I learned that each State requires creditors to provide debtors with sufficient notification of their " right to cure '' delinquent accounts before any repossession can occur. Failure to do so makes any such repossession invalid and ineligible for reporting. I informed them of this twice via certified letter ( on XX/XX/XXXX and XX/XX/XXXX ). They responded each time with a refusal to remove this negative info from my report. 

I am now is discussions with my attorneys on pursuing legal action against Chrysler Capital. However, I also ask for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint on my own behalf to address an issue regarding unauthorized inquiries on my credit record.
Product: Student loan

In XXXX or XXXX I consolidated with my then husband during that small window when consolidation was, unfortunately, allowed. A year ago I divorced him because of XXXX XXXX. I also have a protective order stating that he's not even supposed to know where we're located. He was ordered in the divorce decree to pay that student loan. I understand that I signed the paperwork and that I'm also responsible for it. I'm in the process of working with legal aid to take him back to court to show he isn't paying. I have contacted Navient on numerous times trying to explain my situation so that I could personally apply for Income Based Repayment and they just tell me I have to have his consent and I must contact him. I have sent them copies of the protective order. The loan is getting ready to go into default which could also cause me to lose my XXXX XXXX and thus lose my only source of income for me and my children. I'm trying to take care of my responsibilities but Navient  will not even talk to me without me talking to him first ... .which is not allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to take pints away from my scores for no reason at all, last week they deducted XXXX points for no reason only to put XXXX points back on there, becaus eI have been leaning up my credit and my score has been increasing, if my points would have remained on there I would well be in the XXXX 's by now, but every time they know my score is about to increase they deduct for no reason, I have no missed payments, items removed off my typify and they are not Bro g fair, they are cheating me out of my points
Product: Mortgage

I contacted Bank of America in the third quarter of 2019 about a workout modification on my residence. I complied with all of the numerous requirements, answered all of the questions, and received my trial modification. I complied with all of the requirements for the trial and was issued a permanent modification in late XXXX, with a deadline of XXXX XXXX. I complied with that timeline, submitted the signed documentation through their portal, and followed with a paper copy. I contacted them to make my payment on XXXX XXXX, and was told that the modification was not set up yet in their system, but that a payment could be made. I made the new payment amount on that date. I then was contacted on XXXX XXXX asking if I verbally consented to the modification. The representative had no idea that I had submitted the signed mod, confirmed the the mod STILL was not updated into my account, and wanted me to verbally consent to a modification that I had already submitted to them in writing. Twice. Subsequent to that ( that afternoon ), I received a countersigned copy of my modification paperwork. Late yesterday, I received a partial payment notification, reflecting that my payment was posted as my PRIOR, non-modification amount, with an amount placed into suspense, or partial balance, etc., but not as a full payment per my modification terms. Further, my account still showed an outstanding pre-modification default balance. This balance was handled by the modification, and now it appears that I still owe approx. 15,000 in default balance, despite the fact that I complied and continue to comply with all terms. I contacted Bank of America and was told that it would take " two weeks '' because of the holidays to update my account, despite the fact that 8 business days have already passed since I submitted the documentation to them. I'm worried that my property may be in jeopardy if someone doesn't check another section to verify that a modification exists, and pass this loan on to foreclosure due to their negligent handling. I need a resolution.
Product: Credit card or prepaid card

On the days of XX/XX/1925 and XXXX, {$2400.00} was fraudulently drawn from my XXXX XXXX account all from different ATMs. On XX/XX/XXXX, {$1000.00} was withdrawn from my account from an ATM at XXXX XXXX in XXXX XXXX. On XX/XX/XXXX, {$980.00} was withdrawn from my account from an ATM in XXXX XXXX in XXXX and on XX/XX/XXXX, {$500.00} was withdrawn from my account from an ATM in XXXX XXXX. 

During these transactions, I had my XXXX debit card on me the entire time and was not in these areas. On XX/XX/XXXX, I discovered these fraud transactions and contacted Bank of America 's Dispute Resolution Services immediately where I opened a claim. I provided all of the above information and blocked my card. Upon review, they closed my claim on XX/XX/XXXX with no reason for denial stated in a letter. 

I have called multiple times to reopen the claim and have filed for reconsideration. I sent in a fax with evidence on XX/XX/XXXX that I was not in those specific areas those days including bank statements, photos and work emails. I could provide the evidence upon your request. 

I was told that my claim was escalated to management but still have not heard anything back and my account has not been credited. I called today and they told me my claim still has not been reopened. 

I filed a police report on XX/XX/XXXX to the Federal Trade Commission where I stated the above. My police report is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I have been a victim of ID theft for about a year now. I have tried to do the right thing by reporting my information stolen, etc. yet the credit companies continue to report a few of the items involved in the ID theft as correct or accurate. Pls assist me in having them correct it. Thank you
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Greetings to whom it may concern my name is XXXX XXXX and I receive response letters by email and in my mailbox at my home address from XXXX, TransUnion and XXXX regarding the dispute letters that I have submitted for my dispute claim stating the they have not taken any action to resolve the alleged actions of the disputes issue I have submitted due to the fact they believe it wasnt sent from me or on my behalf that it wasnt authorized by me on my behalf to be submitted. Im filing this complaint now because I find that this is a violation of my rights and a stalled process that is not being handled correctly by these credit agencies I ask for help to resolve this matter. 
Thank you XXXX