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

XXXX / XXXX / 2017  I made purchases over the weekend that had been deducted from my account but was on hold however the purchases had shown deduction from my balance now  Citizens  bank is saying it did not reflect on my balance when in fact it did and they are charging me with  XXXX  different overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccuracies on my report that I didn't authorize these accounts are violating my rights according to the FDCPA. 

PLEASE REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT. 

XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$430.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$230.00} I AM LOOKING AT MY CREDIT REPORT AND I HAVE THESE FRAUDLENT ACCOUNTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR ME AND I'M NOT ABLE TO BUUY A HOME FOR MY FAMILY. How can I PROGRESS FOR MY CHILDREN WHEN BUREAUS ARE ALLOWED TO REPORT THESE FRAUD ACCOUNTS??
Product: Checking or savings account

On XX/XX/XXXX,2017 there was two withdraws from chase my primary checking account for a total of XXXX.I wasnt aware of this until friday XX/XX/XXXX and contacted the bank about this situation.The bank gave me a temporary refund and said they would investigate it/The bank asked me to fill out a form that they mailed to me, which i did.On XX/XX/XXXX I received a text alert that my funds were low.I called the bank and i was informed that they reversed the funds that they had put back into my account .I was told by the service rep that it was determined that the card the atm card used was mine and that I had either given it someone or they used my card.I did neither and tried to explain it to them but was told that was the case.
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. 

XXXX XXXX Bank Account # XXXX. XXXXXXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX XXXX  Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXXXXXX XXXX XXXX  Account # 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.

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 sever 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

The modification process was underway with all documents turned in for review. Certain social security payment questions came up at the last minute and I was contacted by phone for clarification. I spoke to two different agents for over one hour. At the conclusion of the conversations The agents informed me all questions were answered and no other information was needed so the file was sent to the underwriters. 

Rather than my file obtaining a review I was surprised by a determination that my request for assistance was closed out due to social security income questions. After calling and requesting a in person meeting with the servicer I was told they could not meet to discuss my account as XXXX once did before the transfer. 

The servicer could not find record of the long hour plus conversations I had with the in house agents and explained I would need a court subpoena to get any phone records released for my records. 

I explained to the servicer that the Justice department had recently reached a settlement with the beneficiary of the asset backed certificate associated with my account. 

The servicer stated since I was not in a review and the sale date was very close nothing could be done. 

I reached out to the monitor of the recent settlement with DOJ and was informed that my account was with the legal team for research but it would be a good idea to contact the cfpb at once considering the pending sale date. 

The settlement monitor in New York stated I could be a recipient of relief based on the settlement but the sale date would need to be postponed to allow time for the process.
Product: Credit card

Chase failed to provide 45 day notice for increase in interest rate on card. I called them when I found out about the increase, from a third party credit monitoring source, and was told that they mailed a letter XX/XX/XXXX. This is not true as I received no letter from them in this regard.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Inaccurate Late Payment Reporting I am writing to formally file a complaint against XXXX XXXX XXXX  for their failure to correct inaccurate late payment reporting on my credit report. Despite my credit card payments being made on time, they continue to report late payments, which is negatively affecting my creditworthiness and causing me financial hardship by limiting my ability to purchase a vehicle or home. 

Under the Fair Credit Billing Act ( XXXX XXXX Code XXXX ( b ) ), I am disputing this inaccurate information, and I am requesting an immediate correction. Furthermore, under the Truth in Lending Act ( XXXX XXXX Code XXXX ( a ) ), I have the right to receive accurate billing information, which XXXX XXXX XXXX  has failed to provide. 

Additionally, this inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to consumer reporting agencies must be fair, accurate, and substantiated. Reporting false or outdated information violates my rights under the FCRA and constitutes an unfair and deceptive practice. 

I have previously contacted XXXX XXXX XXXX and the credit bureaus to dispute these inaccuracies, but no action has been taken to resolve this issue. As a result, I am now seeking the CFPBs intervention to ensure my rights as a consumer are upheld. 

Thank you for your time and prompt attention to this matter. I look forward to your response and a resolution to this complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

Convergent has called upwards of 30 times since XX/XX/2019. They are looking for someone named XXXX. There is no one at my business address named XXXX and the phone number belongs to an account with the name XXXX. Each time I have answered I have told them there is no one here by that name and they need to stop calling while removing the number from their list. They have not. 

I filed a complaint with the FTC on XXXX XX/XX/XXXX ( FTC Report Number XXXX ). Since then they have called and been told the complaint was filed. Despite this they have called twice more, XXXX XX/XX/XXXX @ XXXX and XXXX XXXX at XXXX, and been told again not to call.
Product: Credit reporting

XXXX XXXX XXXX should not be showing up on my file as a serious delinquency. I was not even aware of this until my ex husband told me we owed this money and it was past due. This occurred after our divorce. He was held responsible for the amount as a result of our divorce decree. I do n't believe it is showing up on his file so why should it show up on mine. Please remove. It is unfair that I should be paying for his mistakes. Thanks, XXXX XXXX
Product: Checking or savings account

I have been having issues with Cash App for a few years now. I have to keep making new accounts due to them deactivating my account as soon I send proof of identity that they request in order for me to have full access cash app has. But that's not at all what happens. I submit my photo ID and they receive it and let me through online notification that my identity had been approved. Then I go to logging in and try to finish setting up my profile. I create my debit card and itsays it will be sent to me 7-10 days. Then a few days later I try logging in again and it won't let me due to error or my phone number can't be used due to security issues so I go to login with using my email that I set up the account with and it says email can't be used due security issues and to contact customer service. So I'm back and forth with talking to different employees of theirs with them giving me the run around. One employee said I needed to send proof of identity and that was why it was showing security issues. I had already submitted all that and they approved it and they were requesting it again for what? So I resubmitted it and still couldn't use it. Then I get another notification from Cash App saying my account had been deactivated cause there was a security problem with my account that went against their policy of usage. So I contacted the customer service again and they still couldn't give me a reason for any of what they were not letting me use my account or why they decided to deactivate my account without showing any actual evidence that lead to them deactivated ating my account. So I opened another account and same issue all over again. I got a notification stating that I had been involve in the Cash App breach and if I wanted to make a claim on my behalf I could and gave me an ID number to put in when I make my claim. So I went to the website it stated and filled out the claim form and submitted it. I got an email stating they had received it and would get back with me on it. Never heard back on it. So I went to check the status of me submitting my claim and it said there was no claim submitted with the Id number that was used- the ID number they gave me to use. I tried to make another claim and it wouldn't let me. So I contacted them again through their website online chat- only got the run around. I sent emails to their online message chat stating all this. And still got the run around. I believe this has gone on too long and something needs to be done about this cause if they want give me answers on what they're saying these so called issues are then either their hiding something, or I'm being scammed. So either way it goes I want answers and this matyer taken care of. I've had to spend hours at a time, back and forth with contacting them through their online chat or by calling their customer service number just wait on hold for 45 mins to an hour and a half just to be disconnected or to be lied to and misled, and I've sent several emails and got no where. So please help me cause this is my last resort.Thanks
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Wakefield and associates has placed a collections account on my credit reports in the amount of {$1200.00} with an original lender listed as XXXX XXXX XXXX XXXX with an account type not listed amount past due not reported and a highest balance reported as {$1000.00} and a credit limit not reported. I have never received any communication from them what-so-ever. I know nothing of this account and am confused about the fact that the first time I even found out about this is from pulling my own credit report. Is this mine, is it medical, did I receive services, was it properly billed, did I apply for credit, was I given an opportunity to make any arrangements with whomever the original lender is. VALIDATE this debt and validate your right to collect it
Product: Credit reporting, credit repair services, or other personal consumer reports

Still having issues with the credit bureaus reporting erroneous information on my credit file.
Product: Credit card or prepaid card

Hello, My Unemployment Debit Card for Nevada from Bank of America was compromised on XX/XX/XXXX. I reported it that day, and a replacement card was forwarded and received. I have not been able to activate or access my weekly benefits since that date ( 3 months now ). 
I have spent several hours and numerous telephone calls to both XX/XX/XXXXand BofA to no avail. XXXX ( State of Nevada ) assures me that the release and confirmation of identity for my account has been forwarded to BofA on XX/XX/XXXX. then again on XXXX and XX/XX/XXXX. While Bank of America continues to state that they do not have any release. It has been this continuous " volley '' back and forth between the two agencies. 

On XX/XX/XXXX, after waiting on hold for 2 hours for a Bank of America Supervisor, I was told that it was just a process for mhy own safety. And, that I will have to just wait. I HAVE HAD NO BENEFITS FOR 3 MONTHS ... How long do I have to wait? 

This clearly appears to need some accountability and responsibility on the part of BofA. Why don't they take responsibility and FIX this issue. People need their lifeline. 

Please help! Can you please let me know when I will have a resolve? I can be reached at XXXX. 

Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have several issues on my credit report that need attention dealing with my current address and my actual name. 
XXXX XXXX  XXXX is my only name please remove any other spelling. 
My DOB is XXXX My SS is XXXX I have not XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my

consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. Who is going to govern these agencies? By 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 - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX- XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX  - XXXX - Please delete this item immediately. 

XXXX XXXX XXXX XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXt XXXX XXXX bank 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 also states a consumer reporting agency can not Furnish a account without my written signature or instructions to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE and XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

I have attempted to call Chase about my credit card multiple times. I called them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On both attempts I have spent ~an hour trying to reach a live person and then being transferred to other departments, with no one picking up. I was charged the XXXX XXXX yearly fee, but I don't want the card. Chase will not allow me to cancel.
Product: Mortgage

Freedom Mortgage bough out my existing home loan in XX/XX/XXXX. My property taxes, which are to be paid from escrow, were due XX/XX/XXXX. It is now XX/XX/XXXX, 135 DAYS LATE, and my taxes have not been paid. 

It appears, from reviewing an escrow statement, that when they took over the loan, someone there royally screwed up and did not even calculate the property taxes in my escrow account. This is their fault. 

The county revenue commissioner has sent a certified letter to me that states my property will start advertising in two weeks for a tax sale. 

I have talked to numerous people at Freedom. I called mid XX/XX/XXXX when I realized they had not made payment and was promised it would be handled by end of XX/XX/XXXX. 

These people have mismanaged my funds and have breached contract. I have never been late on a payment I expect the same from them. This morning I was promised it would be paid by close of business today but doesn't look like that is happening, either.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide valid verification and original signatures. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPARTMENT OF EDUCATION FOR {$1500.00} Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Product: Mortgage

My Mortgage company is Shellpoint Mortgage ( XXXX ) and on XXXX XXXX XXXX  they put my property as a foreclosure even though we were still working on modification. I did indeed send over all the pertinent information in the packet to loss Mitigation. 
I did alert Shellpoint Mortgage about this matter to no resolve. Im asking for help.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I have been paying XXXX XXXX and XXXX XXXX online catalog companies which are the /same company just 2 different divisions. I contacted XXXX XXXX spoke with a CSR, and explained I had been ill and that 's what put me behind in payments, but promised to make a payment of on each of my accounts XXXX XXXX and XXXX XXXX on XX/XX/XXXX XXXX to each one. CSR AGREED WITH THESE TERMS AND SAID I WAS GOOD. ON XX/XX/XXXX I MADE EACH XXXX DOLLAR PAYMENT AS PROMISED 2 DAYS LATER XX/XX/XXXX I BEGIN RECIEVING CALLS FROM A COLLECTION AGENCY. I EXPLAINED TO COLLECTION AGENC I AM MAKING PAYENTS TO XXXX XXXX DIRECTL AND PLEASE STOP CALLING ME AND CONTACT XXXX XXXX THEMSELVES. I THEN CALLED XXXX XXXX CONTACTED CREDIT DEPARTMENT EXPLAINED I WILL ONLY PAY ONE COMPAN NOT THEM AND A COLLECTIONS AGENCY THE CSR REP SAID JUST KEEP PAYING US AND THEY REFUSE TO ASK COLLECTION COMPANY TO STOP ALL ACTIONS AGAINST ME OR CALLING ME. I WAS TOLD BY CSR REP AT XXXX XXXX AS LONG AS I KEEP PAYING THEM I WILL BE OK/ 3 DAYS LATER XX/XX/XXXX I RECEIVED EMAIL ALTER THAT XXXX PLACED 2 CHARGE OFF ACCOUNTS TO MY CREDIT REPORTS FOR ALL 3 CREDIT COMPANIES. IF THIS IS WHAT THEY WERE INTENDING TO DO THEN THEY HAD EVER OPPORTUNITY TO SA THAT OVER PHONE WHEN WE TALKED. BUT THET NEVER ONCED SAID ANYTHING.