23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CREDENCE RESOURCE MANA Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have been trying to valid a fake/ wrong/ invalid debt from this company now for XXXX  months. I have asked them for verification and proof of this debt, that they legally own this debt and I have been asking to verify this debt for months. I understand that this needs to be removed within 30 days if there is no response for this scam and its still reflecting my report. Never not once have I received any information in writing that verifies this debt.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX Keeps posting information that was Discharged through Bankruptcy XXXX  XXXX.
Product: Student loan

I graduated from XXXX XXXX University in XXXX, XXXX in XXXX of 2010. I started on my XXXX with University XXXX XXXX XXXX shortly thereafter. I have some private loans through Navient that I ca n't pay. I 'm unemployed. My cosigner has helped with my payments as much as she can but it 's too much of a financial burden to continue. I attempted to enroll in an extended payment plan that would greatly decrease our monthly payments. I first attempted to enroll in this program in late XXXX. I was told everything was squared away once my cosigner gave her financial statement. We canceled the auto-payments from her account. Once the new program was set up we were going to use a different bank account. But then payments were still being taken from my cosigner 's account. They took money out of her account several times. We called to rectify the issue. Every time we called, Navient would say another issue had come up or some data had been entered incorrectly. They said they were " making notes '' on my account so that the problems would be fixed. None of the issues have been solved. Navient told us that my application for the repayment plan had been denied because their supervisor never looked at it. He said he would make a note to have it expedited. It never happened. A representative last week told us that it was fixed and my loans were in forbearance for a month and the new payment plan would begin in XXXX. Yet my cosigner received an email that money is about to be taken out of her bank account. We received more emails saying that the program was denied with no explanation. I called Navient again today and they are still giving us the runaround. They said today that my cosigner must give another financial statement. And because they wo n't begin the payment program -- that I 've already made a payment for to enroll in -- my loans are now delinquent. They will not solve the problem. I asked today for copies of the notes they I 've been told are on my account but they refused.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Initiated transfer from my PayPal account to my debit card. PayPal transmitted funds to a different card on my account. The account was to a closed checking account, via a closed Debit card, that belongs to my cousin ( she uses my PayPal account. 
XXXXXXXX XXXX has repeatedly rejected the attempted transfer and attached is statement showing the rejections. 
PayPal claims the transfer was completed on their end. Attached is their statement. 
I filed a trace with PayPal, a dispute with PayPal and have had pages of messages back and forth on their message section ( no way to print them. ) The amount is {$510.00} ( after fees ) and this started on XX/XX/2022. I still do not have my money. My big question is : if PayPal really believed the transaction was completed on XX/XX/2022 why do they keep trying to submit it to the bank, day after day after day. 
Please help
Product: Credit card or prepaid card

Received an email from paypal indicated that I made a purchase in Texas for XXXX XXXX XXXX which I did not. 
Found out that someone had applied for a loan and were approved for a loan on my Paypal account and were making charges in Texas and XXXX. 
Was then completely locked out of my paypal account instantly. 

Called back from XXXX Told the only way to resolve the charges was to purchase XXXX XXXX cards for all 3 of the fraud transactions on the account to verify my location was actually in colorado. I received a text confirmation that they would be crediting my account for the gift cards purchased which never came through. 

They asked for more gift cards for the XXXX charges. and when I challenged them on this, they instantly disconnected the call each time. I am just an idiot for getting a gift card to begin with.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handlings of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, Regional Acc. pulled my credit report without my permission. I tried and tried to resolve this issue with XXXX and Regional Acc. but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, has violated my rights.
Product: Mortgage

I was late for the month of XXXX but paid on XXXX/XXXX/2017 for the month of XXXX. The XXXX payment will be a little late due to financial set back.
Product: Checking or savings account

I have relationship checking with BMO. BMO Harris is not ready for prime time or ready for external customers.

1. I couldn't open the online account. Have to do it over the phone - full 1.5 hours and it took around 10 days for them to open the account. This is the same situation for the last 2.5 years for BMO Harris. Even at that time i filed CFPB complaint but no improvement in BMO. 
2. ACH transactions to outside bank accounts of mine is not working. CFPB complaint filed- no action from BMO till now.

3. On XXXX XX/XX/XXXX XXXX  - I sent a XXXX  transfer to my own personal checking account at XXXX  XXXX ending in XXXX. That transaction was too slow but finally went. Money was available in XXXX XXXX on XXXX XX/XX/. I couldn't understand XXXX transfer is done in few minutes -why it took so long for BMO to do it. 

Today I tried to do another XXXX transfer from my BMO account to the same XXXX XXXX account ending in XXXX. XXXX transfer is blocked. I need to call BMO. BMO Customer service told me - unusual transaction that's why blocked. I said what unusual- it was done to the same bank - one week back. She had no answer. Stated that she submitted the request to take the hold off and it will take almost 5 days for the money to reach my account in XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed inaccurate information on my credit report with Equifax, providing all necessary documentation. Despite this, Equifax has failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i. This failure has resulted in ongoing inaccuracies on my credit report, adversely affecting my creditworthiness.
Product: Mortgage

We have a file with Wells Fargo HELOC as the XXXX. The XXXX mortgage with XXXX has been approved. We have had the file approved 3 times before with XXXX, but the buyers end up not working out. We have been going back and forth with WF for months trying to get an approval so we can get this property sold. Wells Fargo has denied this offer XXXX and will not give us any explanation as to why they would not approve. They will actually be getting more money on this offer that the XXXX previous that were approved. Wells Fargo just flat out will not let us know what we can do to fix the problem. We have done everything thing that has been asked of us and they just tell us it is denied and that is it.We are trying to save this house from foreclosure!! I just do n't understand why they will just flat out deny it with no explanation at all.I mean the first mortgage is only going to pay a certain amount to the XXXX, no matter what the offer amount, so what is wrong here? It ca n't be the amount going to them, because like I said before they are getting more money now than before.So why deny the offer?? We need an explanation. This property is going to foreclose if we ca n't get an approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act These Accounts have violated my rights. 

XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX date opened XXXX  XXXX XXXX. XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX. credit limit XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX XXXX XXXX XXXX XXXXXXXX. XXXX credit limit 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 XXXX XXXXXXXX US DEPT OF EDXXXX. XXXX {$6800.00} US DEPT OF EDXXXX. XXXX {$99000.00} US DEPT OF EDXXXX XXXX XXXX. {$17000.00} US DEPT OF EDXXXX XXXX XXXX {$27000.00} US DEPT OF EDXXXX XXXX {$17000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX To make things even worse, all of the accounts listed above were opened without my written consent. In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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 an account without my written instructions.

15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Product: Checking or savings account

I was charged {$4.00} for the last 3 months for a service fee totalling {$12.00}. 
A letter from TCF bank stated that as of XX/XX/2019 a {$10.00} fee will be charged for accounts with no activity for 365 days or less than {$250.00} in the account. I opened an account on XXXX {$50.00}. Ther has been no activity since, now the account is {$12.00} short. Their terms and conditions state they may charge a fee but never notified me of a fee process except for the letter mentioned above which is not binding until XXXXThier 10 page fee schedule does not state any exact maintenance fee schedule. I believe this is an inproper business practice using a 36 page T & C booklet and a 10 page fee booklet without specifically showing a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent notice directly to the PRESIDENT of Americollect Inc, XXXX XXXX XXXX to Cease & Desist any action to defame my character ( attached ). This company has had more than enough time to respond and failed to do so. I never gave this company permission to utilize my consumer reports as is required pursuant to 15 USC 1681b ( a ) ( 2 ). I tried to communicate with this company to amicably work to an appropriate solution, and they intentionally ignored my request. Americollect has knowingly and willfully violated my consumer rights by placing an alleged debt obligation on my credit report illegally. Their continued violative business practices, are to intentionally defame my character, harm my financial reputation causing me insurmountable stress. Ive been denied extensions of credit multiple times because of this account reporting to my credit profile. The statute 15 USC 1681n - any person ( company ) who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages. There is no excuse for their actions as they have been in business for over 40 years. Several court cases support XXXX XXXX non excusat ( Ignorance of the law excuses not ) All are presumed to know the law. XXXX XXXX XXXX XXXX v. XXXX ( XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX XXXX XXXX, XXXX P. XXXX ; People XXXX XXXX ( XXXX ), XXXX C.A. XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ( XXXX ), XXXX C.A. XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX C.A. XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and several other creditors is reporting inaccurately information on my Experian credit profile however Experian has refuse to remove the account. I have filed an Identity Theft Report with a police report but the following accounts is still reporting on my credit profile fraudulently. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the FederalCredit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX Date Opened : XX/XX/2021 Balance : {$5800.00}
Product: Debt collection

XX/XX/23 A man showed up to my place of work with a summons to appear in court XXXX XXXX XXXX XXXX for Citi bank XXXX 
Had no prior contact with the collection agency prior to the summons of garnering wages, threatening to take money from my back account. 
My husband is in remission from XXXX our home was damaged by the severe weather in California. This has affected my mental health. Help Thank you
Product: Mortgage

In accordance with the Federal Reporting Act, this creditor, Freedom Mortgage has violated my rights. Under 15 USC 1681 Section 602 states that I have the right to privacy, 15 USC 1681 604A Section 2 states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1681 section 623 ( a ) ( 7 ) states, Negative Information Notice Section 623 ( a ) ( 7 ) ; 15 U.S.C. 1681s-2 ( a ) ( 7 ) ; 12 CFR 1022.1 ( b ) ( 2 ) ( ii ) Section 623 ( a ) ( 7 ) requires a financial institution to provide consumers with a notice either before it provides negative information to a nationwide consumer reporting agency, or within 30 days after reporting the negative information. None of these actions were appropriately taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my credit report. I discovered that the companies listed have placed credit inquiries on my report that I have no knowledge of and did not authorize. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX I have spoken with the companies and Trans Union and informed them that I am a victim of identity theft and did not make these inquiries. The credit bureau is not helping me resolve the issues. They are not providing any evidence that the inquires were made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC credit card, During the Covid-19 crisis I was forced closed by my state ( KY ), I am a XXXX XXXX XXXX  I was forced to close fromXX/XX/2020PNC said they were extending COVID Relief I called in and took advantage of the relief immediately once I became without income. Bc of an error in my states system ( Ky ) I did not get unemployment check until XXXX so I was literally with out income for nearly 3 months. Ive had this card for 15 years and have always paid everything on time. Obviously this pandemic had everyone in a place theyve never been. Discovering recently that in my credit report it shows non payments during this time although I called to notify them I was without income. Ive had credit for the better part of 15-20 years and have always paid and taken care of my obligations and the one time I need a helping hand from a Bank that I have paid multiple loans off with I get no such helping hand and they are trying to hide behind some kind of technicality, like gotcha. Its disgraceful and unbecoming of a business relationship. Im XXXX years old and have a wife and XXXX kids. We are a single income house. My wife stays at home with our kids. We own a XXXX XXXX and  take responsibility of my finical obligations, obviously Covid put us all in a very untenable position and I think these financial institutions should be able to hide behind red tape especially when people reach out to them to let them know what was going on and hat I was without income. Bc of all of this, I cant get a mortgage to buy a home for my family.
Product: Checking or savings account

In XXXX My truck was broken into items were stolen that morning I had a police report I notified the bank XXXX was stolen out of my business account and {$1800.00} was stolen out of my personal account I told my bank at navy federal fraud has been on my accounts. It happen to be navy federal to navy federal transfer I told them I did not nor have I ever sent money to this person or have I EVER sent that much money to anyone EVER!!! They told me it wasnt there fault with no explanation or anything
Product: Debt collection

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Checking or savings account

This complaint is about USAA. I bank with XXXX XXXX. I pay my house insurance bill on autopay through XXXX XXXX to USAA. This is the third time that USAA has bombarded me with late notices about this bill. The bill was paid on XX/XX/22. The payment changes from XXXX to XXXX to XXXX This must stop. I do not want to be on the phone with USAA about this bill when it is being paid on time.