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

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 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 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 ) ( 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: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove thse 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Product: Mortgage

My mortgage is being serviced by Nationstar. Approximately nine months ago they ( Nationstar ) started to post my regular on time monthly mortgage payments as principle only. I had to contact them each and every time to repost the payments as a regular mortgage payment which they agreed to do. At the end of XXXX XXXX they sent me a notice that my monthly mortgage payment would increase by {$200.00} due to increases in real estate tax and insurance. I submitted a copy of the municipal real estate for XXXX to show them that the tax was an increase of {$54.00} for the whole year or less than {$5.00} per month. They refused to acknowledge their error and are demanding the additional {$200.00} per month stating a need for a more positive cash flow.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX stores XX/XX/2018 Fraud/ scammed my Credit Card from Citi bank XXXX I immediately reported this to Citi at first and received no help. I reported constantly & called Citi to no end and no one was willing to help passing me on to other phone numbers etc. I contacted XXXX Police dept, NJ Office of Attorney Generals office XXXX XXXX : XXXX XXXX XXXX file number XXXX. XXXX on XX/XX/2018. They used my card and never provided product XXXX XXXX XXXX XXXX XXXX was one of the leaders at XXXX XXXX
Product: Mortgage

I have a Wells Fargo mortgage. I sold my property and escrow closed on XXXX XXXX, XXXX. I was using the Wells Fargo XXXX system to pay the monthly mortgage. Wells Fargo sent an XXXX to my account on XXXX XXXX, XXXX which was due on XXXX. 

Since the system is XXXX, I am expecting that the system works properly and that, when the escrow closed, the XXXX that was sent XXXX would have been marked as either paid or rescinded since the escrow closed XXXX. Instead, Wells Fargo withdrew {$2000.00} from my account on XXXX. 

When I spoke with Wells Fargo, they told me that it 's my responsibility to turn off XXXX  after the close of escrow and that, in fact, if I never turn off the XXXX, Wells Fargo will continue withdrawing {$2000.00} from my account every month. 

That is insane! When you sign up for XXXX, you are relying on the companies and computers to take care of all the details. That 's why you sign up for such a thing. And I certainly would never expect that a company would continue sending invalid bills after the close of escrow and stealing my money. I would n't be surprised if Wells Fargo does this on thousands of accounts across the country. 

I would be very grateful if CFPB would investigate this situation and have Wells Fargo fix their XXXX and mortgage systems. 

Thank you. 

XXXX XXXX
Product: Student loan

Had loan for over 3 years and when making payments almost ex actually every 30 days and before they were due the principal amount and interest amount posted was always really different. On a payment of {$530.00}, one month {$100.00} to principal, next month {$27.00} to principal, next month {$43.00} to principal and on and on. Called them and they said it was all according to the number of days between payments. The difference was only 2 or 3 days. Would make additional payments between and nothing posted to interest. With no help or response I refinanced the loan to get away from Navient.
Product: Credit card

Someone made a hard inquiry on my credit report with two banks XXXX and capital one. They are using an address I stayed at 10 years back, this is not me. and I have placed a freeze on my account as well.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Around XX/XX/year> Capital one sent me form letter for capital one and Wal-Mart account saying they will replace my MasterCard by XX/XX/year> with Quick Silver credit card.But capital one got sued by Wal-Mart for XXXX XXXX XXXX for bad customer service.I was supposed get paid portion, never got it or credit to my accounts.Capital one customer service has many problems, because of non clear speaking representative.Everytime i call in i get someone dont speak clear or don't understand my situation.I waste to much of my time as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXd XXXX so many problems with capital one.
Product: Mortgage

Shellpoint mortgage purchased my loan shortly I had work completed to repair my home after a storm. The work was complete and contractors have been paid however Shellpoint is listed on the insurance check and wants me to endorse it and send it to them. I have called them no less than XXXX times to explain the situation and elevate the concern to their management team. They have committed to calling me back and they will not call me back. I am currently out {$17000.00} as a result of this?
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have exchange Litecoin with ripple and I did send them over 2000 $ worth of Litecoin now they promise ripple exchange within minutes but now they did not provide ripple coin and took my Litecoin and not responding to my tickets that I have open on their website also they do not have customer service phone number. when I search this is how they fraud people please do something.
Product: Debt collection

I keep getting calls from a company that identified themselves as D2 Management. They are a debt collection company and said that they are located in XXXX South Carolina. They are calling for someone named XXXX. They are calling my work cell that I have had for over 9 months. I do not know anyone named XXXX. 
I have repeatedly told them that the number does not belong to XXXX and the debt is not mine, yet they call anyway. The last call came from XXXX on XX/XX/20 at XXXX PM but I have gotten dozens of calls for months.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXX XXXXXXXX Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I noticed you are reporting a violation on my credit report. Please get this matter handle based on my instructions XXXX XXXX Account Number XXXX This Collections is reporting a PAST DUE AMOUNT AND AS A OPEN ACCOUNT and needs to be removed from my credit report. 
A Collection agency should not be reporting a collection account as OPEN OR A PAST DUE BALANCE. I DID NOT OPEN AN ACCOUNT WITH THIS COLLECTION, THEY PURCHASED THE BAD DEBT. THIS IS TWO VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT ALONG WITH THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting or other personal consumer reports

I am not associated with these inquiries or creditors and request their prompt removal from my credit report.
Product: Credit reporting or other personal consumer reports

I have paid off the full balance and the account was closed it should have never been in the status its in I have a letter from capital one stating I have a XXXX balance and than after that its still being reported on my account as negative this needs to be removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Capital One has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my Transunion credit report that arent mine. I never opened these accounts, nor do I have any knowledge of them. This is my third time disputing these and its ridiculous as to why they are still there. I request that you have the two accounts erased from my credit report immediately. 
The accounts are : XXXX XXXX XXXX - {$700.00} XXXX XXXX XXXX - {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Bureau 's has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts I believe it was reporting in error. 
XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$32000.00}
Product: Debt collection

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Product: Vehicle loan or lease

XX/XX/2022 my loan paid in full with Santander. I called today about my Overage of the Payoff of {$750.00}. I was informed that it would be refunded on XX/XX/2022. That's over 30 days after the loan pays off before my refund is processed. I understand they have to make sure the funds are valid. However, the funds are wired funds and it's over 30 days from the Payoff. Santander are holding funds and earning interest on my account and thousands that pay off daily. I can understand 15 days or possibly 30 days. Over 30 days is simply fraudulent. Please investigate Santander 's practice of processing refunds after a loan pays off.
Product: Credit card or prepaid card

It hard to believe a company that is this removed and incompetent. I expect a complete correction and apology. 

Way back in XXXX XXXX I purchased an annual, pay in advance XXXX XXXXXXXX XXXX XXXX XXXX The credit card I usually use with another bank wouldn't accept the charge ( actually, I didn't see an email from them warning me ) so I used my Discover Card which I have had for over 20 years. Activation didn't work and I spent hours and dozens of calls tXXXX XXXX  out of the XXXX, trying to resolve it to no avail. I filed a dispute with Discover and sent them proof. An hour later ( approx. XXXX  ) they removed the dispute with no explanation. I sent them a long letter with no reply. In an extraordinary effort to expose the fraud and remove the burden, I filed a complaint with the XXXX XXXX XXXX. 

I was contacted by XXXX XXXX ( email and phone number attached ) at XXXX headquarters to resolve the issue. He indicated the product ( the cellphone plan ) was a " network error '' ( i.e., it does not work ) and XXXX would refund the purchase to Discover. 

Without notifying me of anything, Discover Card did place the charge in dispute status after my mailed-in letter ( all my online contact was ignored ). Then, for some reason, again without reason or notification, the dispute was removed and I started to receive statements and charges ; repeat : I do not use the card. I called, waited forever for an agent, then she put me on hold... The automated system said XXXX balance no payment due so I hung up. Discover has continued to charge me, including late fees. 

Per the user agreement, Discover has a firm dispute/customer protection policy ; they refuse to do it. Further, they have ignored all my contacts ; they have failed to research the charge ; they have ignored all the evidence ; they continue to threaten me and send libelous emails ; and they are trying to extort a ) charges for a product that does not exist and b ) late fees. It is atrocious customer service. If I had any faith in my local and only police department I would have filed charges long ago. I may do so online with the FBI for wire fraud. 

I am posting this here for all to see -- stay away from Discover Card. They used to have fine customer service ; they do not anymore.
Product: Checking or savings account

On XX/XX/XXXX I sent a request for appeal via certified mail to Navy Federal Credit Union in regards to an account closing. The aforementioned institution has placed me on restriction from using its products due to fraudulent activity in XX/XX/XXXX and has reported this restriction to XXXX XXXX XXXX XXXX, This has essentially placed my personal financial activity on hold with my other banking institutions and jeopardizes the closing of those accounts and the in ability to open another account/product with existing institutions or new ones. In this request, I sent copies of the transactions in question as well as all of my personal identification information, all of which proves that I not only did not initiate the transaction as the " Fraud Activity '' claim would infer, as I was a victim of a client who gave me 2 checks that I had no prior knowledge were drafted on a closed account. After my Navy FCU account was restricted, I made sure that the entire transaction amount was 'Paid in Full '' plus absorbant fees were paid as well. Despite my earnest efforts to explain and bring forth a positive closure to the this stress situation I have received absolutely no clarity or response form Navy FCU.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Violations of Fair Credit Reporting Act ( FCRA ) and IRS Regulations Regarding Debt Reporting and 1099-C Issuance To Whom It May Concern : I am submitting this formal complaint against Upstart/Finwise for failing to comply with applicable federal laws, including the Fair Credit Reporting Act ( FCRA ) and IRS regulations related to debt cancellation reporting.

Complaint Details : 1. Failure to Provide IRS 1099-C Documentation : The account in question, reported as a charge-off, indicates the debt was canceled or written off. If this debt was canceled, XXXX is required to issue a 1099-C to me and the IRS. 
To date, no documentation or evidence of this filing has been provided. 
XXXX. Potential Double-Dipping and XXXX XXXX : XXXX is reporting the charged-off debt on credit reports while possibly taking a tax deduction for the same canceled amount. If a XXXX was issued, this activity constitutes fraudulent double-dipping. 
Continued reporting of a charged-off debt, especially after debt cancellation, is misleading and harmful under FCRA. 
XXXX. Failure to Validate Debt Upon Request : XXXX has failed to provide adequate validation of the debt. This includes a failure to disclose the sale or transfer of the debt if applicable, which violates federal laws. 

Requested Resolution : 1. Confirm whether a 1099-C was issued for the cancellation of this debt and provide documentation.

2. Immediately remove the debt from credit reports if a 1099-C was issued, as it has been canceled.

3. Cease all collection or reporting activities unless validation is provided. 
XXXX. Provide all documentation related to the ownership, transfer, or sale of the debt. 

Failure to respond appropriately will result in complaints being escalated to state and federal authorities, including the Attorney General and the CFPB. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/2020 I noticed 26 charges from XXXX for {$90.00} all in a row and then there was one for {$26.00} and another for {$63.00} from a XXXX. I immediately called my bank, Fifth Third, to put in a fraud case, which they did. They refunded my money after 7 days and waited for the case. Well XXXX is saying they have my information and that these charges are valid, so my bank just believes them and doesnt fight it resulting in them adding all these charges back onto my account and over drafting my account by {$2200.00}. They didnt fight it, they didnt notify me, they just believed what XXXX said. They wont waive over draft fees that I will incur which is over {$1000.00} in overdraft. I havent had a XXXX in over 5 years and even when I did, I never played games or put in my credit card information. We strictly used it to play XXXX  Discs. My bank is not helping me out in anyway when Ive told them repeatedly these are fraud charges! 28 charges in a row, one right after the other, and they didnt catch it. I just need any help I can to get that money back. They told me to take it up with XXXX. Im desperate at this point