23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # 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. 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: Mortgage

HELLO XXXX XXXX XXXX apply for a mortgage loan from Santander bank in XXXX PA. For the purchase of a property that had to be repaired but not much since I personally had the staff available and the contractors to repair the property. The realtor asked me for a deposit of {$1000.00} dolare. I have an excellent credit About XXXX points and my salary is ecellent I am a retired person and XXXX. The bank asks for money in checks and that there would be a new account with them and all supposed mind for the house. The loan was 2.8 % so I stayed with them and {$13000.00} suddenly, when it increased soon to {$26000.00}. The bank raised the interest to 3.99 % I paid all the certification of the reading area wather authority I paid the apraisal of real property. Which indicate that in reparal the property had a cost of {$2500.00} dollars as a person left an open door traceras and stole XXXX feet of copper pipe of the house. Only the basement but the same would be remplasado in 1/2 day since the house had water and make a repair of the window of the second floor that by the strong winds lost a protective bareta and the water entered but very little was repaired but not corecta mind. And to replace a pedaso of panel on the second floor I have the photos to be more detailed I have the money for the repairs this was informed the day of request of the loan and they gave a combentional loan to me and not an FHA. And the closure was scheduled for XXXX XXXX, XXXX and was suspended without warning because they wanted more inspections of light and water and the roof. The house has connected the water and the light and the roof. After being paid to the contractors the bank without notice on XXXX XXXX, XXXX. tells me that they can not give me the loan because I did not make it biable and that the money lost would not recover it that they give me a personal loan of XXXX XXXX Dollars to the 7.9 % that if I take it or leave it which provoked that I can lose the house and because of it I paid fines for breach of contract and that I lost {$1000.00} dollars without counting what I gave to them. To all this was not communicated the house has a value of {$70000.00} giving suddenly {$26000.00} for a loan of {$43000.00} the value of the property in the market is {$120000.00} dollars
Product: Debt collection

im getting phone calls from a company called credence collections. i will not speak to any collectors. all my debt is current, as my credit score keeps going up. i keep getting phone calls from fake debt collectors who are probably a ghost debt collector. the credit bureaus should not allow any other companies to view your credit report without proof of a valid debt or without peoples consent. this company is being blasted online that they are placing invalid debt onto peoples credit reports. no company should be able to do this with no proof of validity that its a current debt not past statue of limitations. please do something to prevent this from hurting peoples credit reports. this happened to me once, dropped my score by XXXX points by some scam company and once removed from my credit report i only got XXXX of those points back. i will not speak to someone i do not owe a debt to. they will entrap people and may steal my information from my phone. no thank you.
Product: Debt collection

ERC kept repeatedly calling me about a debt that was discharged under Chapter XXXX Bankruptcy. All debtors were notified and it has been discharged. This company kept asking for my social security number because they could not find my account. If I had an account they would know my info. I refused to give them my social but I gave them my attorney 's number and name. Plus they were asking for me by a name I have not went by in 5 years
Product: Checking or savings account

On XXXX XX/XX/XXXX, my father opened a trust with XXXX attorneys in XXXX, Ga. He designated me trustee. I was tasked with putting his assets in the trust, my father had XXXX. His bank accounts were in Wells Fargo, XXXX XXXX a Wells Fargo employee handled our paperwork.It took three tries to, get it correct. My father only came with me the first time. The accounts were in the trust,XXXX XXXXXX/XX/XXXX. My Dad passed XX/XX/XXXX, XXXX years later. When I first contacted the bank I was told they had the death certificate and needed nothing else from me as the trustee. When I spoke to XXXX XXXX my fathers WF financial advisor he told me we needed to take an RMD from his IRA and I would need an account to put it in. I had already applied for an EIN. WF opened two new accounts in the trust with the EIN, because the existing accounts were not owned by the trust as requested, the trust was the beneficiary. Then WF tells me that my POA did not allow me to open these accounts. They tell me I must go to probate. They requested a copy of my POA as they were missing the first page and I gave them my Certificate of Trust, as well. They have frozen the accounts and are insisting I must probate, even though my father set this up so we would not need to probate.
Product: Debt collection

I XXXX XXXX entered a XXXX XXXX transaction on or about XXXX XXXX with XXXX. I not know who Credit Management L.P, I have never done any business with this company. I sent Credit Management L.P. a letter of debt validation that has never been answered and a Notice to Cease and Desist communication.
Product: Money transfer, virtual currency, or money service

I was selling some furniture on XXXX XXXX and the buyer wanted to use Venmo to pay for the furniture. When they sent me the payment, they said that Venmo had put their payment on hold and told them that I needed to set up a business account with Venmo and send {$300.00} to the buyer to confirm my business account. 

Suspicious, I logged into Venmo 's website and started a chat to find out if this was safe to do. An excerpt from the chat which Venmo emailed to me : Guest ( me ) : I received an email saying a payment to my account was on old. And Venmo asked the sender to send another {$300.00}. What do I do to free up the {$250.00} payment and return the other XXXX Venmo Assistant : In some cases, payments between buyers and sellers are placed " On hold. '' If there aren't any issues with the payment you received, it should be released within 21 days. 

Venmo Assistant : Don't worryit doesn't mean anyone has done anything wrong. This practice is common in the industry, and it helps us create a safer environment for everyone involved. 

Because Venmo told me that this was safe and a common practice, I lost a total of {$800.00} on this transaction and {$750.00} on a similar transaction. I only moved forward with this transaction because Venmo said it was safe. It seems like Venmo was grossly incompetent and that it directly led to my financial losses.
Product: Credit reporting or other personal consumer reports

I was trying to get a vehicle in my name when I recognize I had all of these items on my credit report 15, Section 1681 of the United States Code ( 15 U.S.C. 1681 ) is a part of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Was told information seems accurate from transition there are the list I didn't apply for... 

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

Cash App has withheld {$600.00} in refunds to me since mid-XXXX, when they said money would be received. When I try to determine where that money now is, they obfuscate at every corner and give me no details as to where they are in the resolution process. Ive been disconnected several times, Ive been ignored, and in no way have they sought to resolve the issue or provide me with any detail.
Product: Checking or savings account

On XXXX XXXX two transactions were made on my chime account at XXXX XXXX XXXX store one for {$120.00} it was a withdrawal and the other was {$17.00} I disputed them once again they were denied and they denied my claim after not even two hours they couldn't have done anything about my claim this isn't the first time they have done this over XXXX XXXX dollars is just gone
Product: Debt collection

I just filed a complaint with I.C. System, Inc. on XX/XX/XXXX to XXXX XXXX for their illegal way of collecting a debt. I acknowledged how they never called me and they never sent anything in writing to me yet they placed three negative marks on my credit ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I also indicated in complaint # XXXX for this company to NOT call me, but to send the debt information in writing so that I could verify the debt, and pay it if valid. I received a call on XX/XX/XXXX at XXXX from this company. I couldn't answer at the time, but called back at XXXX and verified it was this company. I stressed how I told them NOT to call me, but to send everything in writing. 

I am unsure who this company is, but blatantly ignoring codes/ rules and consumer 's preference of no call, but send letter is COMPLETELY UNACCEPTABLE. I will continue filing to notify XXXX XXXX about the unethical business practices of this company as this needs to be brought to your attention. I am not ok with what is currently taking place.
Product: Student loan

To whom it may concern All federal student loans were recently transferred from Mohela 's original platform to their new XXXX platform. 
In the transfer XXXX errors were made with my loans : XXXX. My XX/XX/XXXX auto payment went through but then my loans were placed in forbearance without my knowledge or consent. As such, the XX/XX/XXXX payment is listed as {$0.00}. I do not want this. I want to make monthly payments to reach XXXX XXXX payments faster. I want to make a XX/XX/XXXX payment to count toward XXXX  and if I do that without a " payment due '' it will not count toward XXXX and will mark my loans in paid ahead status. This harms XXXX forgiveness, I have already dealt with that in the past and do not want to deal with this again. My loans need to be removed from forbearance and resume the normal payment schedule. 

XXXX. {$100000.00} of interest was capitalized inappropriately. This seems to have occurred when they moved the loans from old Mohela to new Mohela. This is a HUGE problem. This is the XXXX  time I have had inappropriate capitalization of interest. In XXXX, XXXX and XXXX removed my loans from repayment, debited {$4000.00} from my account without warning, put them all in forbearance, capitalized {$80000.00} of interest and then it took me XXXX YEARS of fighting with them and the assistance of this body the CFPB to solve this problem. I will not fight them for XXXX  years again. This must be fixed asap. The department of education has a responsibility to ensure that these transfers of loans go smoothly. I will not lose another XXXX years of my life to constant arguing with a loan servicer. Please let me know the way to fix this. 

In the attached document you will not only see that the interest was capitalized but also that all of the proposed payment dates are wildly inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with fraudulent charges on my Experian account for quite some time. I have mailed them my affidavit since XX/XX/2020. It's taken almost a year. They have not removed the 3 accounts.. They just left them on there even though they are not mine. I also told them that them and XXXX are reporting late payments on my mortgage and I have never been late. They continue to ignore these problems.
Product: Credit card or prepaid card

In XXXX of XXXX  I noticed that I had been getting a bill on my XXXX XXXX card from Transunion for 17 months with out my permission. I had not noticed it before because it was only for {$19.00} and I don't check small bills closely. I notified XXXX XXXX and they said they would investigate it. Over a period of five months they removed several of the charges and later they said they were going to refund all of the charges involved. This month I realized that in XXXX they had added all the charges back on. When I called XXXX XXXX XXXX seemed to be trying and was arranging a conference call with Transunion but she reported that while I was o hold for her she was on hold for Transunion. She gave me number to call for billing at Transunion and said she would call me back in five days to see the results. When I called the number she gave me I got a busy signal or a dead line. I decided you were my only alternative. The total bills were $ XXXX at XXXX XXXX says that Transunion has a request from me for this service. Because I have no need for credit I put a freeze on my account several months ago.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has refused to confirm the debt as requested for years. They also have provided me with a balance that is lower than the one being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX obtained a 12-month forbearance on my mortgage from XXXX XXXX XXXX this past XX/XX/2021. I am attaching a copy of the forbearance agreement. My mortgage was supposed to be posted as Current - Never Late under this agreement. I have survived a horrible case of XXXX, and I was entitled to this forbearance. Accordingly, I request the credit reporting agencies to help me obtain the proper credit rating I was granted through the forbearance agreement submitted. 

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

After having a *verified* account for nearly a year, 3 minutes ( literally ) after adding cash from my debit card and buying ~ {$45.00} in XXXX, a restriction was placed on my account. Since XX/XX/XXXX, I've been unable to sell or withdraw my XXXX, despite their help section saying I can withdraw at any time. I message daily asking for them to release my XXXX and close the account, but they keep telling me to continue using Cash app, I need to verify my identity. # 1, My account has been verified since opening and # 2 I don't wish to continue using Cash app any longer. Last night I was told I didn't need to verify with my ID again, only link my bank. After getting an error while trying to link the bank and reaching out to " support '' I'm again told I need to verify my identity. So much hypocrisy here, they closed my mother 's account for " gambling '' despite being a devout XXXX who refuses to gamble. They allowed her to withdraw her XXXX and money without verification. I openly tell them I was gambling, but they refuse to treat me the same. Repeatedly requested a XXXX, but none have reached out to date. I just want my little XXXX back and they can close the account for good. But they refuse. Worst customer service ever, by far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to you all for help with items on my credit that are not mine. When I took a look at my report again there are still items that are not mine. I'm really trying to help my child with school and this is hurting me.XXXX, XXXX, XXXX XXXX , 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 or other personal consumer reports

On XX/XX/2023, and XX/XX/2023, I sent TransUnion dispute letters requesting that they fix the errors or delete them off my consumer report. After going over all my consumer reports I realized that there were many incorrect items that needed to be corrected. The reports don't say the same thing and according to the FCRA all reports are supposed to be 100 percent accurate. I showed TransUnion the errors that all of the reports showed for the date accounts opened, Date of last activity, closed dates, account numbers, these are just a few of the mistakes. TransUnion just sent me a report and didn't correct anything with the accounts only responding with the accounts were verified. So, in XXXX XXXX, I sent a letter asking them according to the law 15 U.S.C 1681 ( i ) ( 7 ) how did they verify those accounts and according to the law they only have 15 days to respond. However, since the holidays happened during the time, I sent the letter I gave them 61 days with still NO response from TransUnion. I expressed to TransUnion how hard this is on me. I live in a XXXX  with my children and finding a job is impossible, because according to XXXX XXXX XXXX  I have an F rating to get hired with a company with companies checking backgrounds and credit this makes it impossible to get hired. This is not only detrimental to my life and my mental state with these errors and misinformation on my consumer report. It is also affecting my children 's mental as well. I tried giving TransUnion the benefit of the doubt waiting 61 days and they still won't follow the law. I called them many times to fix the issues, but they remain the same. I know that according to the FCRA that this is against the law if all of my consumer reports aren't 100 percent accurate.
Product: Checking or savings account

I deposited a money order for {$960.00}, bought through XXXX XXXX, from one of my XXXX on XX/XX/2021 into my XXXX account at Wells Fargo Bank in XXXX Colorado. On XXXX XXXX Wells Fargo sent me an E-Mail that there was a stop payment on this money order and that they were deducting {$970.00} from my account.. That include {$12.00} for returned check.. 
XXXX XXXX says this check was cashed on XXXX XXXX, Wells Fargo says no there was a stop payment on it.. 
I am out {$960.00} and do not now who to turn to in order to get my money back..
Product: Payday loan, title loan, personal loan, or advance loan

There was a loan for {$21000.00} taken out with XXXX  that was completely fraudulent. I only just found out about it when looking at my credit report. The results came back saying it was accurate and I don't know how they came to that conclusion. I'm assuming this was done online by a XXXX. I need this off my credit report.
Product: Debt collection

Multiple calls and texts every day to my cell phone stating that I owe debt to a company that I have never had any type of dealings with
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding an ongoing issue with XXXX not reporting my credit card activities to the credit bureaus. Despite my repeated attempts to resolve this matter over the past year, the problem persists, causing me significant inconvenience. 

I have contacted XXXX multiple times to address this issue. Each interaction has directed me alternately between calling customer service and visiting a branch, with each channel redirecting me back to the other. This runaround culminated in an instruction to send a detailed snail mail to their disputes center, which included copies of all three of my credit reports, my account information, and a signed letter detailing the issue. 

I was assured weeks later that the issue had been resolved. However, upon checking my reports, I discovered that the correction had not been made. This ongoing issue has been a source of considerable frustration for me and I am seeking a definitive resolution.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : CITICARDS CBNA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Fifth Third Bank on XX/XX/XXXX to make payments. The Representative I spoke with imputed my debit card information for the payments. He made the statement " the payments have been successful ''. I then asked him to schedule XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX payments for my debit card automatically so I wouldn't have to worry about it since I travel. He then set up the payments for me for each month on the 16th. I received a call from Fifth Bank on XX/XX/XXXX letting me know I was behind on my payments. I contacted Fifth Bank on XX/XX/XXXX in the am to discuss why my payments were not deducted in XX/XX/XXXX. The representative who I spoke with said it was not taken out, but it was not an NSF item either. I explained to her I contacted Fifth Bank Representative in XX/XX/XXXX to make my payment. She said she did see this documented and she did not know why the payment was not deducted. I asked her if it was because he might have imputed my debit card incorrectly into the system, if so why did he inform me the payment was successful. I explained to her they put a negative rating on my credit report which was incorrect due to the representative incorrectly informed me of the payment I made. She indicated this could be the case since the payment did not indicate an NSF. I asked her to remove the negative rating and she informed me I had to contact Consumer FinanciaXXXX. I have investigated Fifth Third Bank and unfortunately have seen numerous negative comments concerning this business. I am hoping in the future their representatives will correctly complete transactions for their consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has not responded to me about fraudulent accounts I have disputed and it has been well over 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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: Checking or savings account

I rented a car in XX/XX/XXXX and XXXX charged my account {$1600.00} which caused my account to go in to the negative. I provided proof to XXXX that proved the charges were not valid and didnt warrant the charge of {$1600.00}, I picked the car up on XX/XX/XXXX and returned it on XX/XX/XXXX. the cost the rent was $ XXXX. They did not recover the car, I returned it. I filled the car up with gas, but I was charged for GAS. I was charged a fee for extending the rental, was not made aware of that fee. Plus I was a charged a late fee on top of the extended rental fee. I never signed nor did I agree and was not made aware. I authorized for the weekly rental rate ONLY. 

Here is my information : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX SSN : XXXX