23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have had an issue with AllianceOne collection company. The send me a bill XXXXhatI didn't recognize and that doesn't apply to me at all! 
I called on XX/XX/22 and asked to speak to a manager, after conversation with the representative by name XXXX XXXX, which was rude and obnoxious - I was told they only have four managers and they were all busy and someone will call me back by end of the week. On XX/XX/22 I received a call- the individual did not give me a name, the first thing I was told was that the conversation would be recorded. She never provided her name, company name she calling from, and spoke to me like I was inconveniencing her- one of the worst customer service experiences. I explained my issue- I had a working XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX, but for some reason their transponder or accessories did not successfully withdraw money from my account when I went through a toll. 
The toll was {$16.00} but bill with all fees {$66.00}, ( Two bills one with account number XXXX, for {$66.00}, and the second one with account number XXXX with same amount {$66.00} ) she told me she would give me a {$20.00} discount and I would need to pay {$46.00} due to administrative fees. 
I told her I have proof that I had a working XXXX account and I can provide a copy of my bill that I had a working XXXX. Plus, before that, I contacted many times with The XXXX XXXX XXXX XXXX XXXX XXXX, and several times answered all letters from them and filled out special forms with dispute about my payments, but these agencies did not answer me anything to my disputes and transferred information to the collection service AllianceOne. 
She did not pay any attention to any of my arguments and continued to squeeze money out of me that I should not pay in a very rude manner. 
I asked, why I should pay money or some kind of fine due to the fact that the equipment of the XXXX company can not withdraw money from my transport, or have technical problems that day?! 
Representative of the collection service " AllianceOne '' told me that if the case got to them, then I am obliged to pay and not accept any arguments... 
It's just extortion of money from customers! 
Unfortunately, in our country and the protected pandemic, many citizens have problems paying for travel through XXXX, and some of our fellow citizens do not have XXXX accounts at all, and if companies like AllianceOne allow themselves at this difficult time, it is not legal to extort money from our fellow citizens enrich themselves at their expense.
Product: Debt collection

The company had incorrect contact information for me. wrong address and contact number. I never had my initial window of notification of this debt. when I reached out to them due to running my credit is how I found out this debt existed. They were vague, the amount was XXXX dollars as the amount I had paid already to XXXX they also added that I owe another XXXX dollars now the total is XXXX dollars. When told I should know that I owe this debt to XXXX I told them I already paid several amounts to XXXX. They continued to tell me that it could be the same amount to another provider for the same date. This is not enough to prove that I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Addresses. : XX/XX/XXXX XXXX sent a letter generating a notice for a change of address. 
1. The physical address change is XX/XX/XXXX. If it takes XXXX 1 year to register service it be reported as a data breach to its notice or service of it informing consumer of a data breach XX/XX/XXXX, XXXX refer to down load. 

Addresses. ; Registered with a XXXX, Experian, XXXX ; please, provide me with, credit file listed addresses that generates your data entry a prompt, after inputting consumers identity or file no, if any to indicate the identity has been confirmed you will get a file no. : Means ' : I, am only one person and therefore, should only have { 1 } credit file number. : Addresses. 
The credit reporting agencies are inappropriate to publish it has a right that consumer holds, or retains the capacity to hold the index of addresses reported by XXXX as current. Prior addresses can not be current and a indicator identity 's the address to the consumer by indicating date, year and month from to a detailed date. : A indicator looks like this. 
address from XXXX through XXXX etc
Product: Credit card or prepaid card

I missed 1 payment back in 2018 and have sense paid off the entire balance with interest. I had called and asked the company for a good will removal of the late payment and cited fcra guidelines that would enable me to remove the derogatory information being reported, and the representative closed my account without offering a solution which has sense hurt my credit score in a negative way
Product: Bank account or service

I deposited a check # XXXX for {$4000.00} XXXX to a XXXX account in XXXX WI. Funds to cover the check was placed in my account 4 days prior to the date the check # XXXX was to be credited to the account in XXXX WI.However Chase bank did not release the funds on XXXX XXXX information given by the teller. Instead Chase released the funds on XXXX XXXX Wednesday, a day after.. Because of this delay to release the funds Chase charged me US $ XXXX.for insufficient funds fee and the bank in XXXX WI. also charged XXXX for insufficient funds fee. I want chase Bank to return the fee to my account and to pay back the fee charged by XXXX XXXX in XXXX WI.
Product: Money transfer, virtual currency, or money service

I am a student at XXXX. I usually use my cash app to pay most of my bills. On XX/XX/XXXX, My school send me a refunds of {$430.00} in 2 different transaction totaling {$870.00}. Cash app stated that the funds are in review and migh take up to 10 business day to pay. My CASH APP ACCOUNT WAS BLOCKED 2 DAYS AFTER THAT. Its getting to 3months now. I send them a certified mail and a rep by name XXXX XXXX signed for it. i have send multiple emails since they don't have an active phone number and no live representative. Till date, im still to get my money.
Product: Mortgage

We applied for home equity loan with  Key Bank  in  XXXX  WA with branch  manager   XXXX   XXXX . Closed on loan on   XXXX   XXXX   with manager. We were offer {$110000.00} but choose to only use {$75000.00} of our equity. The next day   XXXX   XXXX   we received letter from  Key  Bank adding the condition they were going to close our credit cards. I went to the bank and spoke with Mr.  XXXX , stating we like these credit cards with   XXXX   XXXX   XXXX   and had had them since     XXXX   and we were not closing them. He said that was a condition of the loan so we followed the steps layout in documents ( see copy of cancellation and mail receipt ). Adding conditions to a contract after it was signed must be illegal.  Yesterday   XXXX   XXXX  my wife noticed a large payment on her credit card account. When I checked mine there was a {$19000.00} payment and   XXXX   XXXX   XXXX   had closed my credit card. When I went to   XXXX   XXXX   XXXX   they said I could not reopen my credit card because that product was not available anymore. Which is why we refused to close our cards. Some how my old card needs to be reinstated and remove payments to mine and my wife 's card  (  her 's was not closed ). Key bank definitely owes me sometime for wasting all this time from a customer of 30 years. Most documents are not signed as Key bank kept signed copies.
Product: Mortgage

This concerns complaint # XXXX. Wells Fargo has submitted a response to you that is not true. We were forced to sign documents that the Federal help that came through Keep Your Home California was in fact a modification from Wells Fargo. It was either we sign or the Bank would return the funds to the Federal Government and foreclose on us. It was not an empty threat. Wells Fargo responded to Consumer Financial that they clarified to us that the funds from Keep Your Home was not a modification. That is not true. We had to sign documents that it was a modification from Wells Fargo. We do n't know where to go from here, we had other concerns that Wells Fargo did not respond to you, but they did negatively respond to us. We would like very much that Consumer Financial turn this case over to a Federal agency for prosecution of Wells Fargo for destroying our lives.
Product: Credit reporting or other personal consumer reports

Requested for bankruptcy to be removed because it was dismissed.
Product: Credit reporting or other personal consumer reports

Please remove hard inquiries 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

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Item Number Company Name Account Number CommentsUnder the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees so to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Payday loan, title loan, or personal loan

XX/XX/21 - Submitted online application for {$35000.00} personal loan ( XXXX {$870.00} monthly 8.99 % ) XX/XX/21 - Received denial on the bases of " Unable to Verify credit references '' Checked all credit reporting agencies and Discover had inquiries to all three reporting agencies with an XXXX credit score across all three XX/XX/21 - Sent a letter per the denial email to Discover requesting detailed information of the unverifiable references. 
Approx. XX/XX/21 - Received a phone call from a representative of Discover who stated that they could not give me more detail past the explanation in the letter. After being pressed, the representative held to the position that their could be no additional information released.
Product: Credit reporting or other personal consumer reports

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my XXXX XXXX. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Product: Checking or savings account

Some XXXX in Truis Financial in XXXX, decided that he/she would combine my LT " XXXX XXXX XXXX Living Trust '' and my wife 's XXXX XXXX XXXX XXXX XXXX Living Trust 'XXXX into one account, thereby stealiing my wife 's assets and putting them into mine ( my LT ), but then the XXXX named the combined account " XXXX XXXX XXXX Living Trust '' as a title, even though the assets are in my LT. I spent hours on line CHAT with Truist to have this undone and corrected ... to no avail. I then visited both the Assistant Branch Manager, XXXX, and the Branch Manager, XXXX in the XXXX XXXX on XXXX XXXXXXXX XXXX XXXX XXXX XXXX. They both refused to change anything. Their calls to their back office went unanswered. They refused to change the title on my Living Trust, with me as Trustee, without my wife 's signature... totally against the law. Thus they stole XXXX 's assets from here LT ( which now sits empty ) and they are violating the laws governing Trustee 's ability to change their own account. I wasted hours, and with multiple visits and hours on the computer chat line
Product: Checking or savings account

Around XX/XX/2023, I tried to log into my Wells Fargo account to find that the account no longer existed. I was a little shocked because I received no correspondence that they have done anything to or with my checking account. When I found out about the account closure, it was too late to change my direct deposit to another bank. 

Wells Fargo " assured '' me that the money can not be deposited into a closed account and that the deposit would be returned back to social security. 

XX/XX/2023 is when I called social security and inquired about my payment. Social Security informed me that the money has been processed and that Wells Fargo has the funds. 

I called Wells Fargo at XXXX. They informed me they do not have the funds. 

Sorry, I believe Social Security over Wells Fargo. I need help in getting my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a dispute letter to Experian. The United States Postal Service provided a delivery date of XX/XX/2020. As of XX/XX/2020, Experian failed to respond to my dispute letter. In response to their failure to respond within the 45 days allotted due to COVID, I sent a letter requesting deletion of the disputed accounts. Experian 's failure to investigate my dispute within the appropriate timeframe is a violation of my rights as a consumer under the Fair Credit Reporting Act. As such, I am requesting CFPB conduct an investigation of this matter. In response to my request sent to Experian on XXXX, the credit bureau failed to delete the accounts as requested and instead attempted to perform the initial investigation requested on XX/XX/XXXX. This is a violation of my rights, as the timeframe by which an initial investigation should have been conducted had long expired. Experian mailed correspondence on XX/XX/2020 and only one of the accounts had been deleted. The remaining accounted was listed as updated. This again violates my consumer rights. The account was not investigated within the timeframe allowed by law. Experian engaged in unethical practices by labeling the XXXX correspondence as a reinvestigation. This implies the original investigation had been completed and indeed it had not been completed. The XX/XX/XXXX correspondence was the first and only correspondence I received in regard to the XX/XX/XXXX dispute letter. I am requesting an investigation and the remaining account deleted from my credit report as requested due to the violations by Experian.
Product: Credit card

The bill statement as received in USPS mail. The company switch from hard copy statement to online statement. I did not receive the hard copy statement as the company states it is transferred to online statement that I need to print online. The company started charging additional fees to mail the hard billing statement in USPS. Since I was waiting for a hard copy of statement in USPS that I did not receive for bill payment and hence I missed the payment. Then, I was informed for a missed payment and in statement ending XXXX, I am charged {$38.00} interest on {$1300.00} previous balance, that I paid immediately. I called the bank on XXXX and explained the situation but the bank agent stated since I made a payment the bank can not return the interest charged due to misunderstanding on switching between the hard copy of statement and online statement. I will appreciate the bank look into this matter and returned the interest charged due to misunderstanding on receiving of monthly statement between the hard copy of statement and online statement from the bank. I request CPFB should look into this matter and find a reasonable solution for the consumer in this kind of situation.
Product: Checking or savings account

I noticed fraudulent activity with my account on XX/XX/2023. I immediately went to the bank and reported it. They took down my information and filed a case on my behalf. Today XX/XX/2023 I tried to check my account and was denied access and was instructed to call I called the number they provided me. I was told that since my complaint was about a wire to a bank in XXXX that they had tried to get the funds back from said that they had no funds to send and I must have given my user name and password to someone or let them take control of my computer that I would not receive any credit back to my account. I asked them why would I give someone that information and then come to the bank and file a claim on the same day it happened. I was told that wire transfers take place in real time and that there was nothing that they could do. I did not authorize a wire transfer nor do I know anyone in XXXX, and I have never attempted to make a transfer of this kind in the past nor will I make one in the future.
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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

To Whom It May Concern, I would like to submit a complaint against XXXX XXXX XXXX due to selling my Personal Information to a third-party agency without my consent. This clearly violates the FCRA Section 623 ( e ), which violates my consumer law rights. I recently pulled my credit report and noticed that several inaccuracies raise major concerns. I was recently served and threatened to be sued by the original creditor. Could you please look into this and provide a cease and desist, to stop the unlawful suit filed against me and remove the negative/erroneous remark from my credit report?

I greatly appreciate you investigating this matter. I have attached a copy of my 3 Bureau Report and Scores which reflect the inaccuracies being reported by the Original Creditor to the Credit Bureaus. 

Thank you.
Product: Debt collection

I am filing this complaint because I am disputing information that is not accurate on my credit report against Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have successfully sent over documentation/supporting details regards to this fraudulent /incorrect account that have been added to my file. After speaking to numerous customer service reps in addition to faxing over documentation showing I am a victim of identity theft. Despite showing supporting document Transunion, has failed to update my credit file accordingly. 

XXXX XXXX XXXX XXXX of XXXX Reason : Fraudulent Account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Updated : 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

I have disputed my complaints about certain credit as I listed in my letter and affidavit about them fraudulently placing their tradeline names on my credit report. I have shown the Experian how legally the alleged amounts, the trade line names, and alleged late payments by these FDIC banks all fraudulent based on laws and process that these alleged loans take place. All the banks and any entity that has purchased the alleged debt are doing so fraudulently. They act as if they have lent something of value to place their tradeline name on the credit report. FDIC banks can not lend their on assets or become surety of someone elses money. This would mean the banks are acting Ultra vires. Yet Experian has not done a legal verification of this alleged creditors and taken them of my credit report.