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

In accordance with the Fair Credit Reporting the following XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX Bank 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I received a western union XXXX  card to my home. That I never ordered. How did someone know ( my ex wife ) XXXX XXXX XXXX. My name XXXX and last my home address and my email? Well this time I decided to activate the card. Last time another card was sent from XXXX. ( Threw it away ) but this time I kept all evidence. So I decided to activate the prepaid card? So I put my SSN and my phone number. Then I send XXXX XXXX ( My ex ) a card. So I send the card to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  la. And I received a HATE EMAIL from western union XXXX. WITH ALL CAPS. But when I first fired my complaint with western union XXXX  i received a email brushing me off. THE DISCRIMANTED AGAINST MY XXXX. But not when I sent her the card. I received a hate email discriminated me against my XXXX? Why is my ex have so much hate for me? Turns everyone against me. After I was wrongfully convinced in 2014 of XXXX?
Product: Mortgage

I had been on a XXXX deferment plan for 18 months through XXXX. Then I was offered a loan modification and performed all of the requirements from XXXX XXXX XXXX. On XX/XX/2022 I attempted to pay my new mortgage and USBank closed my mortgage, told me I'd missed signing modification paperwork ( never received ) and then sent me on a nightmare ride of 3 hour phone conversations and up to two automated calls per day from their collections department. 
In the summer of 2022 I sought mortgage assistance from XXXX XXXX XXXX. My mental health deteriorated from the anxiety this gave me as I've fought my hardest to keep my home to shelter my children in. 
I've attached a letter from XXXX to explain my situation thoroughly.
Product: Credit reporting or other personal consumer reports

This afternoon, I was horrified to discover inaccurate accounts on my credit report and I cant understand how this could have happened. I routinely check my credit report, but this time I was met with discrepancies that caught me off guard. I thought perhaps my browser was acting up, so I refreshed the page, but the incorrect accounts persisted. I urgently ask for a meticulous review of the documents I've sent so that I dont have to live in XXXX  of this issue recurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate accounts on my credit with XXXX, Trans Union and XXXX and they keep coming back verified
Product: Checking or savings account

after seeing that I was charged 9 monthly maintenance fees of {$6.00} and they were not reversed as usual by the system I called us bank on XX/XX/XXXX to inquire as to why I had been getting charged a monthly fee, it used to be reversed after it gets charged every month automatically by the system, I was informed by XXXX XXXX that it was a minimum balance issue, she spoke with the branch manager XXXX and they immediately offered to reverse 3 out of the 9 months they charged and switch my account to a smart checking to avoid fees. 

I asked XXXX XXXX to have the banker that opened my CD in XXXX of XXXX named XXXX XXXX, he called me back and I asked for his help in resolving this issue since based on my banking experience and all the other banks I deal with use the method of total balance in all accounts when they determine the average daily balance I assumed I was of as far as the min ball requirement, I also said to XXXX XXXX that I asked him about that at the time he opened my CD where he moved {$5000.00} from my checking to open the new CD, I strongly feel out of professional courtesy and basic customer service etiquette that if this was not the case with US bank he should have informed me of it, he replied : '' its not my job to talk about your other account, its my job to talk about the account am opening, and we can not reverse more than 3 months just like credit card fraud incidents where you only have 3, months to report the fraudulent transaction ''. 

so I asked him to ask the branch manager named XXXX to call me and he said he will have her call me and am yet to receive a call from her. 

I agree with XXXX XXXX on one thing, this incident is true fraud, and the customer service is none existent in addition to the fact that XXXX never called at the least to say she can not reverse any fees she just choose to ignore a customer request, the fact that US bank is doing this makes me rethink keeping any of my money with them. 

the branch I called is the branch I opened my CD in and all the above named employees are at the same branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Put in a dispute with Experian Credit reporting agency about a debt that is well past the date to fall off my report and they wont delete it. It has to do with XXXX XXXX Account XXXX. The date it was opened with Eperian is XX/XX/XXXX, making this account 8 years old. Past the date of 7 years. Im not given any reason that I can see for the account not being removed after 2 disputes. 

Report XXXX XXXX Date Generated XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This report that is being filed is NOT a duplicate and is not filed by a 3rd party. I, XXXX XXXX XXXX am filing this report. In Accordance with the Fair Credit Reporting Act XXXX these accounts below 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. XXXX. Account Name : XXXX XXXX Account XXXX XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : US DEPT ED Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT ED/XXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : DPT EDXXXX  Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account XXXX : XXXX Account # XXXX XXXX. Account Name : DPT EDXXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : US DEPT ED Account # XXXX
Product: Checking or savings account

I opened two CD accounts online with Wells Fargo, a bank where I have had accounts for years and they have all my documentation on record and up to date. After the accounts were open, I noticed that the bank was withholding interest even though I am a U.S. citizen. I contacted the bank to get this fixed and after a lot of back and forth, they said I needed to sign a W-9 to get the withholding stopped. I went to the branch and signed the documents as instructed ; however, the monthly interest continued to be withheld on both accounts. Afterwards, I submitted a Consumer Financial Protection Bureau complaint and the bank took about another month to review my accounts. After they finished reviewing, they asked me to go back to the branch to sign another set of documents, and after that they stopped the withholdings.

However, the bank did not return the interest that they had erroneously retained. I have been to the branch multiple times, I have continued to have telephonic conversations with representatives and no one has been able to explain the process to get my money back.

Once again, they have all my information to certify my tax paying status since I have been a client for years, but also, they should have notified me that there was documentation that I needed to sign, which they did not. I believe that their online account opening process has gaps that resulted in this problem and the accountholders should not be made responsible for errors in their processes.

I need them to refund me the interest that they have erroneously withheld from both of my accounts. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Synchrony bank has now lowered my credit limit on XXXX of my accounts. I have NEVER been late on a payment and it is affecting my credit. The reasons that were listed as to why they are lowering are incorrect and I have spoken with XXXX and verified this information as to be false. I have spoken with Synchrony Bank now twice and have not gotten a resolution or answer as to why they keep doing this and harming my credit. I have worked hard the last XXXX  years to build my credit for them to just trash it without any cause. The last account they lowered was for {$2700.00} and I have only had that account for a few months. The ONLY thing that changed on my credit is where they lowered my credit limit on another card causing my credit to lower. Again I have paid ALL my accounts 100 % on time and the reasons I was given this last time was because I had had an increase on an account in the last month and then in the last XXXX months. The increase was because payments were made on time, not because I requested it. So I would increase my credit rating and then they would just kill it.
Product: Checking or savings account

I reported unauthorized use of my debit card on the XXXX of XXXX in the amount Of {$380.00} and even submitted gps location to prove I was not at the location of the withdrawal when it took place and they deemed it unsatisfactory
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX XXXX started contacting me last Friday, XX/XX/XXXX. He first contacted my work number and told my broker he was from " XXXX XXXX XXXX '' in California and was trying to deliver legal documents. I called back and he said he was from " XXXX XXXX XXXX '' representing HSBC and if I did not pay a balance of {$6100.00} owed on an old credit card they would submit a lawsuit against me within 24 hours to the court house. I advised I had tried settling with the company in 2011 and there was no resolution. He called me again yesterday, XX/XX/XXXX at XXXX XXXX from XXXX and left me a voicemail stating to call him back or else he would move forward from what we had discussed. He did not leave a call back number, but did state his name " XXXX XXXX " in the voicemail. During none of our conversations did he state the calls were recorded.
Product: Debt collection

Closing the debt on my credit bureau reports is not the same as correcting the debt that I do not owe. In addition this incorrect debt is still on my renters history for an apartment I never rented. I have attached proof that the erroneous entries to my credit bureau reports should be corrected and the erroneous entries to my renters history should be removed. Please reference page 5 which states the administration fee is refundable if denied. Please reference page 6 which clearly shows I was denied. In addition any entries made in relation to XXXX XXXX XXXX, XXXX XXXX which is my Sisters address not mine, should be removed. Please be reminded that there is no court judgment that was arrived at, that would give you the authority to enter this debt on my renters history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Transunion dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. Please correct the account below : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that fraudulent information be blocked from my credit report in accordance with 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act. I am a victim of identity theft that occurred as a result of the XXXX data breach. As a result, fraudulent accounts or inaccurate information have been added to my credit file. 

They have not attempted to remove these inaccuracies on my credit report. At this time XXXX, XXXX and or Transunion are violating my consumer rights. I have filed reports with FTC and CFPB. This is making is difficult to obtain a auto loan and personal loan. 

Please Remove accounts that are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At this time XXXX, Transunion and XXXX is violating my rights and federal laws. This is affecting my ability to purchase a new vehicle and obtain a personal loan. This information needs to be immediately removed
Product: Debt collection

XXXX XXXX, I received a call from them XXXX that I owed a debt after I notified XXXX XXXX to send me a validation letter they went off to tell me to give them my email. I told them to send me a validation letter thru mail in which they seemed to have my address and include all info I needed from them. Very rudely he said u already know what u owe even to call me a rude name. This is very rude and unnecessary tactics and very unprofessional and he did not have to call me an unpleasant name. Please investigate this company. This was my first time speaking with them this is very unfair and did make me feel uncomfortable.
Product: Debt collection

Good day.  I sent XXXX XXXX XXXX 3 certified mail receipts, requesting for validation and verification of the alleged debt.  They never responded and then they started making abusive phone calls with threats of jail if i don't pay them $XXXX  today.  This is not my debt and i never received any notice of this debt until i pulled my credit files
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted this company three times with a request to remove inaccurate and unverifiable accounts from my credit report. A notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. They are in violation of this law. 

The following accounts remain unverified, even after multiple attempts to receive validation from them. I request that these accounts be immediately removed from my credit report with all credit bureaus that they report to.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am being hit with a hard inquiry from XXXX   XXXX  for the month of XX/XX/2020. I did not apply for anything XXXX   XXXX  or XXXX. I did not authorize anyone to run my credit profile nor did i sign anything. This is 100 % fraud. I am asking for this to please be removed from file to all credit reporting services.
Product: Credit card or prepaid card

I was going to take some LIVE TRAINING with XXXX XXXX, a.k.a XXXX XXXX, I was told I would get 5 days of DVD 's to review before the LIVE TRAINING takes place... I used PayPal Credit Card for this trains action.. After making the payment I seen that something was going on that the money want to XXXX XXXX and NOT XXXX XXXX I found out due to fraud that he cant use PayPal and is using other peoples names to do transactions.. 

At this time after him giving me two days of links to videos are not just videos of him videoing a tv screen.. nothing with training... I asked to cancel the deal.. he could not give me 5 days of DVDs and then he said he cant do the 5 days of training after I got hotel rooms and everything .... I contacted PayPal credit card but I was told that he give them proof so I can get a refund... 

f you do a search you can see so many fraud cases with him and so many of them still in court! 

https : XXXX
Product: Credit card

On XX/XX/2017, I opened a credit card with Citi Cards. On XXXX, I received both a text and email saying I should have received the card by now and to please activate it. On the XXXX, I called the customer service number stating I had never received the card. The customer service representative told me that it apparently had been returned because the apartment number was incomplete. We confirmed my address and he assured me that I would receive it within 7-10 days. On XXXX, still not having received my card, I called the customer service number again because now I 'm thinking I 'm a victim of identity theft. Citi Cards is unable to verify that I 'm the account owner, in spite of me giving them my security password, first concert attended, and all of the information I used when opening the account. On XX/XX/XXXX, I called Citi Cards five ( 5 ) times with no resolve. Each time I 'm told I will be called back and never was. They did tell me my account has a hold. Not hearing from Citi, I called again today XXXX. I confirmed the XXXX digits of my card ( which I pulled from an email from them ) and my security password yet again was told that I would absolutely receive a call back from their fraud department as my account is under warning. That was more than 12 hours ago at XXXX this morning. I can not get a direct answer nor status on my account and I do n't know what else to do since I have never received the credit card. I 've called Citi Cards eight ( 8 ) times and can not get a direct answer as to when I will receive my card on an account that was opened more than one month ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX  XXXX Bankruptcy on XX/XX/XXXX. Bank of America is reporting my Payment Status on all three credit bureaus account as a collection/charge off as of XX/XX/XXXX.
Product: Checking or savings account

they closed my account without giving me notice... i ask for my account number because i need to confirm it with the irs to change my bank information bankmobile wont give me my account number
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 XXXX XXXX reported nonpublic consumer information to Experian, XXXX, and XXXX. The law states it is illegal for financial institutions to report consumer account details and other nonpublic consumer information to nonaffiliated third parties. Institutions must develop and give notice of their privacy policies to their own customers and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure per 15 U.S.C. 680. I am opting out of any and all authorizations per 15 U.S. Code 6802 and per 16 CFR 313.1
Product: Prepaid card

Bank of America and XXXX must be fined by CFPB and Criminal charges against employees must come down from the top. They lie like XXXX going north and this is a brand new issue I just got by mail a letter from boa dated XXXX and has only been shared against " XXXX XXXX COMPLAINT YESTERDAY '' on the CFPB feedback page. They all talk to you XXXX XXXX corner criminals if you got a lot of money mishandled by them but " NOTE '' your false statements you make now are atop of already confessed testimony by fatic in CFPB # XXXX that this is mortgage fraud. That after boa lying over 10 years to me that nothing is in account XXXX XXXX XXXX XXXX nothing is in the account and I have at least XXXX XXXX XXXX at Michigan XXXX the last 15 years but never paid a dime. The letter clearly states you have {$580.00} consists entirely of interest and upon my call XX/XX/XXXX at XXXX XXXX are told to go to a window teller center and get verified XXXX pieces I'd and they will give you check. I arrived at XXXX on XXXX XXXX XXXX in XXXX XXXX Michigan and the lady inana at the window lied saying it's to late you must set an appointment " ANGRY '' I left. Around XXXX on XX/XX/XXXX I go to XXXX mile east point Michigan XXXX and the window male referred me to tall XXXX XXXX XXXX  and she explains with my identification to prepaid department and disappeared. The guy in Arizona tells me he will mail the check to me and at some point changes his mind that he got ta transfer me. So then on a XXXX way I ask where did you transfer me to and he says check issuance Clearly they got the " GAME PLAY '' all figured out. So they tell me NO that is not interest that it is money from XXXX but that I will get it in XXXX business days. XXXX has the authority because all this is about concealing all my benefits from me after committing mortgage fraud by bank of America XXXX from XXXX XXXX XXXX XXXX a cover up with loan XXXX and by boa XXXX whom at least XXXX boa employees told me in XXXX that XXXX shifted XXXX XXXX claims of mine to her friend in California XXXX XXXX XXXX and they say she got in trouble for that. Then to cover up fake doctor XXXX XXXX XXXX cashed to chase escrow account checks in my name into business account XXXX XXXX XXXX they trying to conceal that to and leave me at XXXX dollars. Several criminal frauds these are the kind of frauds that the politicians in Washington go and do XXXX and 30 years in prison for that the are relaxed at. XXXX XXXXXXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a letter to this company making to remove incorrect information on my report and have not receive any response.