23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach that has resulted in identity theft. As a consequence, several unauthorized accounts and inquiries have appeared on my credit report. I am requesting, under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), that you immediately block and delete all of the following fraudulent accounts and inquiries from my credit report.

Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$12000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1900.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX XXXX XXXX  Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3600.00} XXXXXXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} Unauthorized Inquiries : 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 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 XXXXXX/XX/XXXX
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 transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance these practices are unfair and request an investigation into my account transactions.
Product: Bank account or service

Debit and check overdraft fees. 
Its an annual XXXX XXXX dollar bank ripe off of the poorest citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove a freeze on my credit reports for a debtor to get them. Even though the credit reporting agencies state that the security freeze have been temporarily removed, the debtor is not able to pull my credit reports.
Product: Mortgage

Good Afternoon, I have submitted a payment for my mortgage payment due for XX/XX/2022 on XX/XX/2022 in the total amount of {XXXX}. 

Auto pay had been set up to draft the mortgage payment on the XXXX of every month for the total amount due. 

I tired to turn off auto pay on the online portal but it did not allow me to. I then proceeded to call Planet Home Lending to turn off the auto pay on their end. 

All 3 representatives informed me I could not turn off auto pay as I have missed the cut off date. 

When I signed up for auto pay I was never informed of a cut off date to turn off auto pay. I also have never experienced a company telling me I can not turn off auto pay because I missed a cut off date. 

I also asked the representative about the disclosures for the auto pay and he could not give me any information about them. 

As I was not aware of the cut off date I am unable to put a stop payment on it with my bank because they need 3 business days. Now my account will be over drafted because I was told I can not stop auto pay. 

From my understanding I have the right by federal law to revoke authorization for auto pay and for some reason this company does not allow me to until the payment on the first is drafted, despite the fact I have already submitted payment toward the amount due XX/XX/2022 in the amount of {XXXX}. 

Please advise how I can proceed from here. 

Thank you, XXXX XXXX
Product: Checking or savings account

On Monday XX/XX/21 I tried to deposit a {$750.00} check at my Wells Fargo bank ATM ; after inserting my card, entering my PIN, and pushing the buttons to make a deposit, I was prompted to put the check into the ATM, and did so. After several minutes ( an unusually long period of time for a deposit ) the ATM said it was still " scanning '', and then the ATM shut down, and posted an " out of service '' message. I called the bank 's customer service line while on the spot, submitted a complaint, but didn't get much information. Went home, logged in, and saw no credit for my deposit ; the next day I still had no response from Wells Fargo, and I was concerned about only having the phone call, so I submitted the complaint to Wells Fargo online ( hoping to be able to provide more information, but unfortunately Wells Fargo online customer service is extremely limited to checking boxes, with no means of submitting details ). I ended up with two complaints with Wells Fargo, which were consolidated into Claim Reference No. XXXX. It is now the end of the third week after the event, without the matter having been resolved, which strikes me as unusual ( one would think Wells Fargo would've opened the ATM the next day, found my check that its ATM ate, and finished processing that deposit, with a final credit well before now ). How long should Wells Fargo be able to take to resolve a simple matter like this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact that I XXXX XXXX, is aware, upon discovery Equifax in accordance under 15 US Code 6827 ( 4 ) ( A ) and ( B ), must provide a notice of negative information in writing to I, the consumer no later than 30 days after furnishing the negative information. I, affiant, XXXX XXXX did not receive such notice and thus Equifax is in violation of 15 US Code 1681s 2 ( 7 ) ( A ) ( i ) and the information associated with XXXX XXXX XXXX  and XXXX XXXX XXXX must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX,2021. I sent dispute letters via certified mail. To all three consumer reporting agency 's. Demanding the child support account be removed due to the fact I did not give the reporting agency 's written consent to furnish such information. 15 USC 1681b Permissible purpose of consumer reports.

In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
If the reporting agencies have written consent from me regarding this account please provide the evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate/delete the unverifiable item below XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Bank account or service

Wells Fargo opened XXXX accounts in may name since XXXX. XXXX of these accounts were opened in the past 5 years. Wells Fargo ran my credit for a personal loan that was intended to be used as debt consolidation. At the time I had less than {$3000.00} a year in income. Wells Fargo opened a credit card account for me when I had no income and that got closed and in XXXX they opened another saying that it would help me build credit. Again at that time I had little to no income. I had to go into a branch to even find out all of my account numbers/ and the dates that they were opened and closed as these arent available online. I also have paid over {$2500.00} in over draft fees. Wells Fargo refused to allow charges to be denied when funds werent available. There were times where my account would have XXXX or more stacked on overdraft fees because items would be posted in my account online and then disappear only to reappear a few days later and with multiple {$35.00} fees attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX A XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 'S XXXX XX/XX/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

This Company is engaged in unscrupulous practices by attempting to cheat the Fair Credit Reporting Act allowable time to collect a bad debt by engaging in re-ageing the account in question. I opened an account in XX/XX/XXXX and decided to break the contract because of unfair billing. The account was then charged off and place on my credit I monitored my credit report and noticed that it was put back on my credit as being opened in XX/XX/XXXX in direct violation of current credit reporting laws. I contacted the collection agency to no avail. So I would like to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested from Bank of America numerous times to provide to me a copy of the paperwork and application in which I would have filled out to obtain this particular flexible spending credit card : OPEN DATE : XXXX CREDIT REPORT DOES NOT SHOW A CLOSE DATE LIMIT SHOWS AS {$5000.00} BALANCE SHOWS AS {$5500.00} PAYMENT STATUS : COLLECTION / CHARGE-OFF ACCOUNT CLOSED BY CREDIT GRANTOR I do not recall this account and was involved in a divorce during the 2012 year and had two change of address. Also, I have contacted Bank of America requesting a copy of any and all paperwork documenting this account and they are unable to produce. 
I would like this removed from my credit. How can the Bank of America report and continue reporting items if they have no original proof that you opened the account? No end date? Etc. 
Clearly, since I have tried numerous times to obtain this information ( over 30 days without an answer ) this particular item should be removed from XXXX, XXXX XXXX and XXXX.
Product: Mortgage

In XX/XX/XXXX, I provided Freedom Mortgage Company notice that, as a military XXXX, I was being called to XXXX XXXX. I began several consecutive periods of XXXX XXXX service in late XX/XX/XXXX, and I am still on XXXX XXXX orders into XX/XX/XXXX. 
I provide copies of my XXXX XXXX orders to Freedom Mortgage in mid-XXXX and requested protection under the SCRA and pursuant to the California Military Families Financial Relief Act ( CMFFRA ), California Military and Veterans Code 800. 
I provided a formal written request to defer my mortgage obligation for the 180 days under the CMFFRA unless Freedom Mortgage was willing to defer my financial obligation for the duration of my military duty ( through XX/XX/XXXX ). 
In XXXX or XX/XX/XXXX, they acknowledged receipt of my orders but did not timely respond to me request for deferment. 
Since this complaint covers over a year of time, I will try to summarize. 
On or around XXXX of XXXX, I was told that my deferment request would be granted. 
On or around XX/XX/XXXX, I was told over the phone that Freedom Mortgage would grant my  deferment through XX/XX/XXXX, or for a full 12 months, I just had to provide a copy of my orders, which I already had done. 
Per the CMFFRA, I was to pay my monthly impound account, while my principal and interest would be deferred, and the length of my mortgage would be extend by the length of the deferment once the deferment period ended. 
I paid my impound account for the past year in good faith. 
Despite this, over the past year plus, Freedom Mortgage has repeatedly submitted detrimental credit reports to the credit agencies, charged fines on my account, charged other fees on my account, sent correspondence saying I am past due, sent correspondence saying I am in default, harassed me when I called in to inquire on the status of my requests, etc. 
Today, XX/XX/XXXX, since the understood deferment was scheduled to end on XX/XX/XXXX, I called Freedom Mortgage to make a full normal mortgage payment. They refused to take my payment and said I was due for the full amount of the past year 's mortgage payments. 
I believe Freedom Mortgage 's actions are in bad faith, violate the CMFFRA, as well as the SCRA. I  request they either : extend my loan by the 12 months as previously agreed, and bring my account current, and remove all fines and fees, and remove any and all adverse credit reports from the credit reporting agencies ; OR, forgive my loan. 
I have paid each month 's impound account as agreed, and tried to resume full payments in a timely manner as anticipated ; it shouldn't be this hard to pay a mortgage. Freedom Mortgage should not be acting in bad faith when servicing the mortgages of service members who have other more pressing concerns on their plates.
Product: Checking or savings account

I did not receive my refund check from the XXXX million dollar settlement. From my understanding, we should received a check by midXXXX 2023 and would have an opportunity mediate. I am a current account member.
Product: Debt collection

Consumer ADJ CO - {$1300.00} Reported - XXXX, XXXX, XXXX I do not acknowledge this debt as my own and contest your claim of ownership. I request detailed documentation that proves the debt is legitimately mine. Specifically, please provide : The original signed contract or agreement associated with this debt. 
A complete account history showing how the debt amount was calculated. 
Documentation demonstrating that the debt was legally transferred to your agency or firm. 
2. Litigation Concerns : If there are any ongoing or planned legal actions concerning this debt, please provide the following : Details of any litigation, including case number, court jurisdiction, and status. 
Documentation of any judgments or court orders related to this debt.

3. Verification and Documentation Request : Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I request verification of this debt. Please provide : The name and contact details of the original creditor.

Documentation showing that your firm has the authority to collect this debt and any relevant court filings.

4. Cease and Desist : Until you provide satisfactory evidence that this debt is valid and properly assigned, I request that all collection actions be suspended. This includes ceasing any litigation efforts and reporting the debt to credit bureaus.

5. Response Request : Please conduct a thorough investigation and provide a written response with the requested documentation within 30 days from the date of this letter. 

Thank you for your prompt attention to this matter. Please consider this letter a formal dispute and request for validation of the debt.
Product: Checking or savings account

I filed a dispute in regards to an unauthorized transaction of {$1000.00} made out to XXXX XXXX XXXX I'd like to receive a provisional credit earlier than 10 business days. Most banks would do it but this bank is telling me they legally can not. I have XXXX XXXX  in my account. I need my money back and I need it now. Ty
Product: Debt collection

I received a letter in the mail stating that I have outstanding credit card debt and that I need to set up a monthly payment plan. They claim to be a collection agency. I currently have no debt that is outstanding. This is the companies information : Department of Settlements XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
Product: Credit card

I hope all is well. The reason why Im writing is because my Bank of America credit card ending in XXXX all my payment methods ( bank accounts ) have been deleted and its not allowing me to add any of my bank accounts to make a payment for the future payments. Can you please fix the issue? So it allows me to add my bank accounts when its time to make a payment. I have had this account for over 10 years and I havent ever had this issue before please fix it. Thank you for your time.
Product: Debt collection

Hello, I have made multiple complaints to Procollect, who is the company in question, regarding the wrong debt amount. I have made calls to speak with the manager and sent emails regarding a breakdown of this ledger and where is this amount coming from as it is reporting incorrectly on my credit report but nothing has been done and I have yet to receive any update from this company.
Product: Credit card

I made a purchase using my Discover Card in the amount of {$1600.00} in XXXX 2016, which I have an active balance transfer on already. I made a payment of {$1000.00} on XXXX XXXX and the company I made the purchase from refunded the tax of the item in the amount of {$130.00} on XXXX XXXX in XXXX 2016. I noticed on my next statement ( closing date of XXXX XXXX ) that my purchase balance that was accruing interest was {$730.00}, which seemed incorrect to me because of the previous two payments I thought would go towards my only purchase of {$1600.00} before being allocated to the balance transfer amount since the balance transfer does n't accrue interest until approximately XX/XX/XXXX or XX/XX/XXXX. The payment for the XX/XX/XXXX billing cycle was {$560.00} made on XXXX XXXX. The purchase balance that was accruing interest on the statement with a statement closing date of XXXX XXXX was {$320.00} though the payments plus refund total the item purchase amount of {$1600.00}. 

I tried communicating with Discover regarding this situation I was told that the minimum payment is allocated to the lowest interest accruing purchase first and there 's nothing that could be done to rectify the situation. I was also told that this process is one that is designed to attempt to try to save me money in the long run by lowering the balance transfer balance before it starts accruing interest. I was informed it 's simply our way of doing things and there is nothing that can be done.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days : XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$12000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$540.00} Closed XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$1300.00} XXXX XXXX Reported : XXXX XXXX, XXXX {$450.00} XXXX XXXX - XXXX Reported : XXXX XXXX, XXXX {$1300.00} XXXX XXXX Reported : XXXX XXXX, XXXX {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings ; I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is willfully and with negligent noncompliance reporting INACCURATE PUBLIC RECORD DATA on my report, specifically, THREE TAX LIENS. ALL 3 liens have been discharged. ALL 3 liens contain and/or are missing my personal matching information, including : name, address, Social Security Num. or Date of Birth. Since XXXX, the laws concerning Public Records reporting requires these data must BOTH include AND match the data connected to the individual for which that data is being connected/reported. ALL 3 liens currently state XX/XX/XXXXas date filed, it is now XX/XX/XXXX-- - ALL 3 liens should have been removed in XX/XX/XXXX. I will be forced to bring this issue into litigation if Transunion does not promptly delete this information. 
NOTICE OF DISPUTE HAS BEEN PROVIDED TO TRANSUNION : Certified letters were mailed in late XXXX and included : name, social security #, address, Date of Birth, disputed data was circled identifying which specific records were being disputed on an included copy of my credit report, a narrative of why the info is inaccurate was furnished to Transunion, and I requested the information removed, and for Transunion to investigate the dispute and provide documentation of how this record is correct if they continue/d to report it, because it is wholly inaccurate. Its a you-do-the-math scenario. NONE OF THE OTHER CRAs ARE REPORTING THIS OUTDATED/TIME-BARRED INACCURATE DATA. This will serve as my last notice before I am FORCED to file suit. Thank you.