23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, Dave banking took XXXX dollars out of my primary banking account without any authorization and held those funds. I was originally told in 2-3 business days those funds would be released. On XX/XX/XXXX, the money that was taken out just disappeared in my Dave account. I contacted Dave regarding the matter and they told me they'll issue a refund and to wait another 3-5 business days. I did as instructed and on the 5th business day those funds were never returned to my primary banking account. I contacted my bank account and was told by multiple representatives that the funds were never returned. Dave apparently lied to me about the refund and is refusing to give the XXXX dollars back to me.
Product: Debt collection

I demand that the lawyer named XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX, to produce proper documentation for this claim. This lawyer is required, by law, to produce elements such as, but not limited to : the original agreement with BANK OF AMERICA, N.A. with my signature. 
all of the receipts for every transaction that I engaged in during the entire life of the use of the credit card account ending in XXXX, with details of the purchase in each of those transactions. 
payment record during the entire life of the use of the credit card account ending in XXXX up to now. 


On XX/XX/2018, BANK OF AMERICA, N.A. revealed to the Consumer Financial Protection Bureau ( CFPB ) that the credit card account ending in XXXX was transferred to XXXX XXXX XXXX XXXX. Yet the name of BANK OF AMERICA, N.A. is printed on the case # : XXXX, filed in / registered by the MAGISTRATE COURT OF XXXX in the State of Georgia. 


My request for production is legal and all of it is required by law, in order for, the lawyer named XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX, to properly enter the courtroom of the Honorable Judge XXXX XXXX, located at the MAGISTRATE COURT OF XXXX in the State of Georgia.
Product: Mortgage

My daughter and I have a loan on her home thru United Wholesale Mortgage. She is beginning her journey in credit/life. The house payment was set up to be taken out of my XXXX XXXX account that was specifically for kids expenses ( college ect ). We decided it was time for her to take over and learn how to make the payment ect.. We phoned UWM and let them know we want the payment taken out of her account instead of mine and we gave them all the needed information on XX/XX/2022. The dollar amount for her mortgage is {$1400.00}. XXXX took the information and changed it but stated that in XXXX it will still come out of mine because it is too late in the month so it would not start taking it out of her account until XXXX. We agreed. ( This is a recorded conversation that they have. ) So around XX/XX/XXXX my daughter called and said mom they still have not taken it out of my account and I phoned XXXX they said " we can not take it out until the XXXX payment is made '' and I said wait it did get paid and they said no it did not. So I paid it and explained that they had said it would still come out of my original account that was on autopay. They said there is nothing we can do and did confirm our conversation was recorded! So they told us it would come out and it did not. I can show you bank records that the money was in there to pay it. Now my credit dropped to XXXX from XXXX and my daughters is probably worse. I want to file a complaint against them and reverse the credit. Even if it can not be reversed I still want to file a claim- what they did is unethical. I never received a voicemail- they said they tried my daughters but she did not receive any messages and I was the original one on the loan so they should have called me. I was in the middle of moving and it was a hectic time and I am so frustrated. I filed with the credit bureau and have reached out a few times to XXXX and they will not do anything because they said it is " automated '' and out of their control. Please help us with this. It is very wrong.
Product: Debt collection

I am writing to formally dispute a collection account listed on my credit report. The account in question is reported by I C SYSTEM Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone Number XXXX and is identified by the following information : Account Number : XXXX Date of Report : XX/XX/year>XXXX  Amount : {$440.00} I believe this collection is either inaccurate, incomplete, or otherwise does not reflect the true status of my credit history. I request that you investigate this matter and provide me with evidence to support the accuracy of the collection reported. 

Specifically, I dispute the following : In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and correct or remove the inaccurate information from my credit report. Please also provide me with a written summary of the results of your investigation. 

If this collection account is verified as inaccurate or unsubstantiated, I request that it be removed from my credit report immediately. I expect a response within 30 days as required by law. 

Thank you for your attention to this matter. Please confirm receipt of this dispute and inform me of the actions taken. 

Sincerely, XXXX XXXX
Product: Credit reporting 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. 

List of Unauthorized Inquiries : 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Forever 21 credit card is a scam first they make it hard for you to log in into your account so it hard to see you payments, when calling about the issue for logging in they couldnt reset my password, so that created late payments. I explained this to them repeatedly I can not get into my account, they did not work with me to fix this issue. That way when its time to pay you have a bigger bill and they dont send you statements, they send you a email saying log into your account to see the statement, how can I do that if I cant log in. For this reason I paid it off and closed it with impression Im finally done with this scam, no three months later I get XXXX bill in the mail, and no one in that facility can tell me why. They repeatedly hang up in my face, and dont send a email or dont get a call back. No trace there was a conversation, they are still on my credit report saying I owe them money and I have late payments and its inaccurate. This credit card is a scam and I dont recommend it to anyone.
Product: Credit reporting or other personal consumer reports

On my credit report ( XXXX ) for the XXXX main credit agencies, the accounts noted in the enclosure were " charged off ''. According to IRS Publication ( XXXX ), charge-offs are considered income, and income can not be reported on credit reports.
Product: Debt collection

National Credit system is the debt collector over the account and has been contacted twice about the matter and failed to remove the item even though it showed in the rental application that rep XXXX looked at that it is in fact another social used on the application. There was also another collection for the same ssn XXXX in there for another apartment that was applied for.
Product: Credit reporting or other personal consumer reports

My information was compromised. The company is XXXX. I have tried for many years to get the wrong information removed but it was always denied by XXXX. My engagement number is XXXX. This is to reference that my information has been compromised from XXXX.
Product: Vehicle loan or lease

Us auto sales breached my contract by giving some of the information to westlake portfolio management and I didnt agree to do business with them
Product: Debt collection

CREDENCE RESOURCE MANA Original creditor : XXXX {$620.00} Balance updated XX/XX/XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance on XX/XX/XXXX {$620.00}
Product: Checking or savings account

I had an account with Flagstar bank which was opened with the sole purpose of paying a second mortgage. There are no Flagstar banks in Illinois where I live but I had direct deposits go into that particular account. I suffered a job loss and longer had direct deposits going into that account. The automatic direct debit made my account go negative until it was turned off. My account was negative {$440.00} plus {$36.00} overdraft fees. I called Flagstar and they were kind enough to reverse the fees and stopped the overdraft until I start making payments again. 

In XXXX when I got a tax refund, I trued to deposit a check through the mobile baning app. They rejected the check because they said I had altered one of the XXXX 's in 2020 ( Unblievable ). Since i did not live close to a branch, there was no way I could go and make a deposit, so I decided to send a XXXX. 

The XXXX did not go through. I spent over an hour trying to explain my situation first to the customer service rep and then later to her supervisor. They told me the account email address was valid but online it kept telling me it was registered with a different bank. I tried and tried and eventually had to give up. 

Today, XX/XX/2020, I logged to the bank to see if the direct deposit for a new job I found in XXXX went through and to see if it zeroed out the negative balance as I have had direct deposits going through since XX/XX/XXXX every Friday. I was informed by XXXX in Corporate in XXXX, MI that my account has been charged off and will be showing up on my credit. Unbelievable. This is after I had called repeatedly, sent in a check and XXXX a few times. His solution was for me to call collections and dispute the item on my credit report. Reference # XXXX
Product: Credit reporting or other personal consumer reports

I need to dispute accounts on my record. There are a lot of descreptencies on my report. from XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX The date active, Date Last used, Last Payments made, and Payment history is inconsistent on all 3 credit bureaus. I would like to get these removed from my account or i will get legal representation involved due to information not being added up accordingly. Thank you and have a great day.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the entry listed on my credit report under the name XXXX. XXXX XXXX XXXX, related to an account with XXXX Apts XXXX. I have made several attempts over the past XXXX years to resolve and have this entry removed, but it remains on my report despite my best efforts. 

The account was reported as unpaid on XX/XX/XXXX, with an assignment date of XX/XX/XXXX. However, I believe this information is inaccurate, outdated, or unverifiable and does not accurately reflect my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have inaccurate or unverifiable information removed from my credit report. I respectfully request a thorough investigation into this matter and ask that you provide written evidence validating the accuracy of this account. If validation can not be provided, I request that the account be permanently deleted from my report.
Product: Student loan

My automatic monthly payment was withdrawn from my checking account and I was charged an unavailable funds fee despite there being more than sufficient funds in my account to cover the charges. My bank did not charge me an overdraft fee, but the loan servicer charged a fee as if the account was overdrawn and they could not collect the scheduled payment, despite collecting the payment in full. I would like the additional charge to be refunded to my account, as the loan servicer clearly charged it when there was no cause to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXl Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to report that my identity has been stolen. I have reason to believe that someone has fraudulently obtained my personal information and has used it to open accounts, obtain credit, and make purchases without my knowledge or consent. I have also noticed inquires on my credit report that I did not apply for. These inquires are listed below with the respective dates and companies : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX MT XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX - XXXX on XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XXXX XXXX and noticed a hard inquiry by : XXXX XXXX, FL XXXX National Credit Cards/Airlines The above transaction is not mine and Im extremely upset this showed on my report because it affected my score. Can you please help me? XXXX XXXX says to contact the creditor and the creditor says to contact XXXX XXXX  and transunion, its a big circle and no avail. I want this removed from my report. Thanks
Product: Credit reporting or other personal consumer reports

The following company posted consumer information on my credit report that I am not familiar with. I do not currently have, nor have I ever had any open account with XXXX XXXX  XXXX. PLEASE IMMEDIATELY REMOVE this account from my credit report. XXXX  XXXX
Product: Credit card

XXXX XXXX, XXXX To whom it may concern : In XXXX of XXXX, I entered into a contract with XXXX HVAC to install a new furnace and air conditioning unit. As arranged by XXXX, the work was financed by Wells Fargo Bank, via a VISA credit card, [ Account # XXXX - Amount : {$6300.00}, ( see copy included ) ]. 
Approximately one year later and after more than {$2000.00} in payments, I received a notice on the back page of my monthly coupon/statement ( which I did n't notice ) that the VISA feature was being suspended and transferred to a new non-bankcard credit line ( see copy included ) ; to use only for home repairs and only with one specified vendor - Home Projects, account # XXXX ( see copy included ). This seemed like a bait and switch deal to me. Needless to say, I was not happy. 
I eventually decided to transfer the balance of the Wells Fargo card to a legitimate bankcard ( VISA, MC, etc. ), preferably with friendlier terms. I chose a XXXX credit card ( per XXXX XXXX ) and applied for the transfer. When my approval was announced it was only for half of the amount requested [ VISA account # XXXX, ( see copy included ) ] and I was informed no changes could be made until after I received my card and paperwork. 
Once I received the card and called XXXX, an attempt was made to transfer the remaining balance from the original Wells Fargo account. I was immediately rejected ( less than 10 seconds ) and I had to suffer another ping on my credit score for the additional credit inquiry ; with no results, despite the representative 's guarded optimism and the short span between inquiries. 
Now I 'm stuck with two credit cards ( each with substantial balances ) and a compromised credit score that I will have to compromise more in order to get the total balance transferred from Wells Fargo. 
Ideally, I wanted this not to have happened, so I would n't have to pay the price I 'm paying now to fix it ; but my desired resolution would include : -- Complete transfer of the Wells Fargo balance to one bankcard ( VISA, MC, etc. - preferably the new XXXX card I presently have ), with equal or better terms as that XXXX card, at no cost to me or my credit score. I no longer wish to do business with Wells Fargo. 
-- If that option is not possible, I 'd like the remaining balance on my Wells Fargo card to be converted or transferred to a bankcard ( VISA, MC, etc. ), with agreeable terms and at no cost to me or my credit score. 
Thank you for your consideration.
Product: Credit reporting or other personal consumer reports

THIS SERVES AS A FORMAL AND INITIAL COMMUNICATION TO COMPLAIN THAT YOU ARE REPORTING INACCURATE AND INCOMPLETE INFORMATION ON MY CREDIT REPORT. THE FOLLOWING INFORMATION REGARDING LATE PAYMENTS ARE INACCURATE ACCOUNT NAME- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DAYS LATE I RESPECTFULLY REQUEST A THOROUGH AND ACCURATE INVESTIGATION INTO DATA ASSOCIATED WITH THESE ACCOUNTS, ENSURING THAT ALL NOTATIONS, DATES, PAYMENTS AND BALANCES ARE REPORTED CORRECTLY. I ALSO REQUEST SPECIFIC EVIDENCE PROVING THAT THE ALLEGED LATE PAYMENTS WERE IN FACT LATE. TO VERIFY THIS I AM REQUESTING COPIES OF STATEMENTS AND PAYMENT TRANSACTION RECORDS FROM CREDITORS THAT DEMONSTRATE MY PAYMENT WAS SUBMITTED LATE. UNDER 15 USC CODE 1681e IT IS YOUR RESPONSIBLILTY AS THE CREDIT REPORTING AGENCY TO VERIFY THE ACCURACY OF THIS INFORMATION WITH THE REPORTING CREDITORS IF YOU ARE UNABLE TO PROVIDE PROOF OF THE ALLEGED LATE PAYMENTS I ASKED THAT YOU UPDATE MY PAYMENT HISTORY TO REFLECT A " PAANL '' ( PAID AS AGREED NEVER LATE ) STATUS IN ACCORDANCE CONSUMER PROTECTION LAWS.
Product: Debt collection

When I was  XXXX   years old  ( 6 years ago ) I signed my first lease for my first apartment. After having my apartment broken into, possessions stolen, and in fear of my safety I made the decision to break my lease, I gave them notice and I even paid the last months rent ( which I was not there for ) thinking that it was settled, but apparently not. They say I owe {$950.00} or some odd amount stated in my lease which I have reviewed my lease and do not see that anywhere, this has put a dent in my credit and the debt collection company is reviewed as terrible. They buy small debts and try to make hundreds of dollars off of them. Please help me! Thank you. The name of the agency comes up as  Natlcrsys on  my credit report. I tried to settle with them for {$250.00} and they claimed they would n't accept anything less than {$640.00}. Which makes no sense and is not fair.
Product: Debt collection

I keep receiving calls for an individual that has NEVER LIVED or resided or even visited me in my home - I have REPEATEDLY asked for this collection company to remove my number from their call list ( XXXX ) - I get at least XXXX to XXXX calls per week for a niece that I HAVE NO CONTACT WITH and that resides somewhere in XXXX Tennessee - I live in XXXX CAlifornia. This has been going on for several months. 

This morning was the final straw. I received a call at XXXX yes XXXX in the morning on XX/XX/2017 from telephone XXXX WAKING UP MY ENTIRE HOUSEHOLD .... I have young children, and it just so happens that my entire household is ill with the XXXX and I had just got everyone to sleep at XXXX am after bouts of XXXX cool baths and medication administration and breathing treatments ... THey had only been asleep for approx. XXXX hours ... so when this CALL came in at XXXX am - I answered thinking that it was an emergency call from a family member ... HOW WRONG AND IRATE I became. 

I requested the name employee number and corporate telephone number and corporate name from the person who called me - SHE REFUSED saying I could talk to her supervisort -AFTER XXXX minutes waiting I spoke with a XXXX employee of XXXX who stated that the call number they use is XXXX ( not the number on my call log ) .. I advised that they were outside of collection call guidelines by calling me WELL BEFORE XXXX am in the morning which is normal for their company and that I had previously advised at LEAST a DOZEN or so times within the last couple of months that the person they are looking for does not and has never resided in my home and does not even RESIDE In the the state of XXXX. - he said it was a mistake - that the file does indicate DO NOT CALL- I advised that is what I am told EVERY TIME They call. Oh sorry XXXX - we do have do not contact for your phone number. I had advised previously that I was going to contact legal representation for harassment. 

What can I do to BLOCK this company from EVER contacting me again? - I need to put a stop to their ILLEGAL tactics and also they have divulged information about my niece and the DEBT SHE OWES - which is also illegal - telling me to just tell her to pay her bills and I would not get calls like this. THis is when I went off - this is not my debt nor do I have a relationship with my niece - SO WHY IS IT my responsibility to tell her to do ANYTHING. I did not give her the credit or money - so therefore it is ILLEGAL for them to give me the information that she has defaulted on her obligations, NOR DO I CARE. The file name they have for her is XXXX - she can be contacted at the following number XXXX ( the last known contact per her brother ) and resides in XXXX Tennessee.
Product: Debt collection

This student loan was signed for in XXXX originally with Bank of America. To my understanding, the funds were sent directly to the university. Bank of America never sent me statements or attempted to contact me for any delinquencies. Around XX/XX/XXXX I received notification from XXXX XXXXXXXX XXXX XXXXXXXX that they were suing me for not paying the debt, I asked them for proof of the disbursements where the checks were sent and who endorsed the checks. I also asked for a payment history since I assumed that money was already sent to the university and combined into my other student loans which I have paid on time. There has been no action on their part for XXXX years, which I told them that I believe this violates the statute of limitations in the state of Florida, I retained a lawyer, but they are continuing to drag this on, and not provide any proof of the last action or even payment on this loan.
Product: Debt collection

I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this [ charge/debit ]. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement