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

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, and XXXX ) credit report, and I noticed some late payments posted on my credit report : Account : XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX Account : XXXX XXXX Account # XXXX Account : XXXX Account # XXXX Account : XXXX XXXX  Account # XXXX Account : XXXX XXXX Account # XXXX Account XXXX XXXX Account # XXXX Account : XXXX Account # XXXX Account : XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed a copy of my ( XXXX, XXXX, and Transunion ) credit report and I noticed some late payments on there. 

Original Creditor : XXXX XXXX Account XXXX : XXXX Your company is in clear violation of the law. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) 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. 

I did not give your company written permission to furnish these late payments on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the late payments from my consumer report, this agency violates 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above-referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 1681n Best regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I never authorized this company to provide credit. Please remove from my trade line or provide me proof I signed and authorized these accounts to be opened.,, XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX  Reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Reported : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Reported : XXXX. XXXX, XXXX DEPT OF EDXXXX Reported : XXXX. XXXX, XXXX DEPT OF EDXXXX Reported : XXXX. XXXX DEPT OF EDXXXX Reported : XXXX. XXXX, XXXX
Product: Checking or savings account

Dear Bank of America, I have made several frauds claims against XXXX as they have charged my card numerous times within the last few months. However, these chargebacks have not been decided in my favor and I would like to appeal the decision. 

I have never authorized any transactions with XXXX. I have been an XXXX & XXXX   customer for all my life and never have changed to XXXX. Someone has gained my card information and was able to use it without my consent. I have spoken to numerous Bank of America employees and the first time they ensured me that I was going to receive my money back, but I never did. After my request was declined, I called back, and a representative told me there were charges from XXXX previously and that showed a history of transactions with XXXX. 

I was unaware that there were any transactions from XXXX as the small charges were able to pass my knowledge and I did not pay attention to them. Once the representative pointed that information to me, I told her none of those XXXX charges were authorized from me and they should be immediately disputed. Reviewing the charges from XXXX, they were not from the same merchant as one of them shows XXXX Contract and the other two show XXXX XXXX. When I was searching on the transaction list I was searching for XXXX Contract and none showed up so thats why I only disputed the XXXX Contract. 

I have contacted XXXX numerous times and they said they can not find any transactions under my card information or personal information. I even sent in a screenshot I got from a XXXX store showing they had no accounts under my name.
Product: Debt collection

According to my credit report, Amsher Collection Service reported an XXXX debt collection open on XX/XX/2023 with a past due of {$180.00}. Ive called this company and ask them they charge the wrong person and Im not the responsible individual for this unknown account. I told them where is my signature of this contract and how did they even got my whole identity to charge this on my account. I am a victim to identity theft whoever open this account u set my name.
Product: Bank account or service

I terminated payroll service with Bank of America XXXX last year. This year they started changing my credit card again for the service which I am not using. I send them emails but they are unresponsive.
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 : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Bank account or service

HSA BankXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX XXXXOn XXXX XXXX, 2015, I received a notice that my account had been inactive for XXXX years and it was going to be closed. During this time I had made multiple calls regarding the account, have accessed my account online, and on XXXX/XXXX/15 transferred {$2000.00} from my investment account into my cash account. Also I was unable to reset my password to access my account and the answer to the question of my father 's middle name was deemed incorrect once I was able to reset my password with telephone help from the bank. Something is not right and should be investigated. XXXX XXXX
Product: Student loan

I originally obtained the student loan with sallie mae from XXXX to XXXX. I call myself consolidating the loans for {$1000.00} with an 8 % interest rate and another loan for {$19000.00} with an 4 % interest rate, and the {$19000.00} had got to be that high because I could not keep up with the payments and needed forbearances. My original loan was only {$10000.00}. I didn't know that the {$1000.00} loan of 8 % would bring my {$19000.00} loan of 4 % would be combined and rise to the highest 8 %. I was under the impression that it would come down to the 4 % or at least close to it, but the total loan shot up to the 8 %. That caused me to have a {$20000.00} loan with an 8 % interest rate. I was not told it would go up the highest 8 % loan. I filed a complaint with you all on sallie mae stating that sallie mae should have informed me that my payments would go up because the interest rate went higher on the {$10000.00} loan which is loan shark practice. Nothing happened from my complaint. Sallie mae only transferred or sold my loans to Navient. Now Navient is the loan company who is only resulting in me struggling to make almost {$400.00} per month payment for an original {$10000.00} loan and ruining my credit because my loan have exploded to almost {$30000.00} even though I have paid over {$20000.00} on it. Also, I tried to take advantage of the presidential deferment offered by the federal government due to the COVID-19 pandemic but i was not able to do but a few months, and the Federal government said that we had until the end of XXXX. But Navient was having me to re-apply for deferment on a MONTHLY basis, and on top of that charging me deferment interest which I thought the federal government said that no deferment was to be charged. Now the federal government has extended the COVID-19 student loans until the middle of XXXX, but I am still struggling to make XXXX XXXX monthly payments and if I ask for a deferment I would have do it on a monthly basis. I got FEDERAL STUDENT LOANS when I borrowed them and not private loans so I should be given the same chance to have my FEDERAL STUDENT LOANS deferred without interest charged and not a monthly basis with interest charged. I also should be granted a payment reduction due to not being lawfully and rightfully informed that my payments would skyrocket if I combine my {$1000.00} ( with 4 % interest ) student loan with my {$19000.00} student loan ( with the 8 % interest ) and not have them both shoot up to 8 %.
Product: Mortgage

I was double-charged for two mortgage insurances and requested my refund over 20 times and they have denied that anything was owed to my last phone call was on XXXX
Product: Debt collection

XXXX/XXXX/2015 took my daughter to XXXX XXXX XXXX ER. She was seen and discharged. A year later, when trying to refinance my house, I see a collection account from ARC Management Group ( biller for XXXX XXXX ). I called to find out which account the collection was regarding. I was told that my daughter was not covered under my insurance at the time of the ER visit, so I was deemed a " self-pay '' ( meaning I had no insurance ). I assured them I did have insurance and my daughter has had insurance since the day she was born. The hospital submitted and got paid for that claim ( I have documentation to prove payment ), so that further proves my daughter was insured. I call my insurance to verify that there had been no lapse in coverage and they confirm ( I have documentation to prove coverage ). I called ARC back and am told they tried on several occasions to call my insurance company to verify coverage. My insurance company keeps track of any attempts to verify insurance and had no calls from ARC or XXXX XXXX. I have tried numerous times to explain that this was not my fault and that they should have submitted the claim to my insurance. The time to submit a claim has expired since it is over a year. The credit bureaus are not helping me get this removed from my reports. ARC Management group placed me in collections 2 days after the ER visit. They say they attempted to send me notices which I never received. I do n't know where else to turn. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Experian ; XXXX and XXXX  Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX with a balance of {$3200.00}. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company XXXX XXXX is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of ( 2 ) accounts with the same account number being reported by XXXX XXXX and it is causing confusion and havoc to my credit and needs to be removed.
Product: Mortgage

There was a problem with Pivot Financial mortgage servicing when they never paid the taxes or insurance in a timely fashion, resulting in the cancellation of my policy one year ago. Waiting until the last possible day to pay creates problems for the homeowner who must bear tremendous responsibility while the mortgage company escapes any negative consequences. The outcome is unfair and is a poor business practice. 

I hope you will understand that I elected to pay more than half the annual premium myself because Pivot shifted my account to a new company at the most inopportune time, since the insurance is due XX/XX/2023. 

I have paid ahead on my mortgage, which is my practice in handling my obligations. Please note that XXXX XXXX monthly payment is already paid. Pivot incorrectly charged me late fees and claimed I was a late pay when I have consistently maintained my account by paying early. I do not know if those erroneous late charges were ever reversed, so I would appreciate you checking into that. I wrote to Pivot about THEIR RECENT ERRORS and never received a response. They took money every month for the escrow account yet never handled the taxes and insurance. I was heavily burdened with making large payments for insurance, and was forced to find a new insurer while PIVOT hoarded my money and sat on my funds. 

I would appreciate a kind, prompt response to this letter about my account. 

Thank you for your consideration. 

Sincerely, Homeowner CC : Pivot Servicing Pivot Servicing Group XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some negative items in my credit report and dont belong to me - XXXX XXXX XXXX XXXX Number : XXXX - XXXX  XXXX XXXX Date of inquiry : XX/XX/2021 - JPMCB XXXX Date of inquiry : XX/XX/2021 - XXXX Date of inquiry : XX/XX/2021 - XXXX Date of inquiry : XX/XX/2021 - XXXX Date of inquiry : XX/XX/2021 - XXXX XXXX Account Number : XXXX -XXXX XXXX  Account Number : XXXX -JPMCB CARD Account Number : XXXX - XXXX XXXX Account Number : XXXX - XXXX Account Number : XXXX - XXXX XXXX Account Number : XXXX - XXXX XXXX XXXXXXXX Account Number : XXXX - XXXX  XXXX Account Number : XXXX
Product: Credit card or prepaid card

My bank of America credit card was accidentally overpaid by an automatic payment that I had previously set up. On XX/XX/20, a payment of {$3700.00} was transferred from my XXXX checking account to my Bank of America credit card. This resulted in a negative balance of approximately {$2600.00} on my Bank of America credit card. I contacted credit card services at Bank of America on XX/XX/20 and asked for a balance transfer back to my XXXX checking account, which they are required to grant by federal law. They agreed to process this, but then I was told that as a routine matter, the fraud department would not transfer the money for 10 days. The 10 days elapsed on XX/XX/20 at the close of business. I have called customer service multiple times and they don't know why my transfer has not been processed, and they keep telling me that they can not get in touch with the department that investigates these transfers to see what is causing the delay. I would like to get my money transferred back to my checking account as soon as possible, and this unjustified delay is unlawful. The latest person that I spoke with is XXXX on XX/XX/20 ( ID number XXXX ) - she stated that she would send a note to the fraud department asking them to expedite this investigation, and promised to call me back by close of business today to update me on the situation, but has not called me back. I would appreciate your help in resolving this matter.
Product: Debt collection

Jefferson Capital added an erroneous debt for XXXX to my credit report. This debt has been bought and sold several times from different collectors. This debt has been identified as a debt accrued due to identity theft. My identity was stolen and a police report as well as Identity theft affidavit provided to the original owner of the debt and the collection company as well as the Credit reporting agency.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Experian, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX, Experian and XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I am writing to request a copy of IRS Form 1099-C for the canceled debt on my account. Below are the details : Account Name : Apple Card/GS Bank Account Number : XXXX Original Creditor : Goldman Sachs Bank XXXX XXXX : XX/XX/year> Charge-Off Amount : {$8100.00} Please provide a copy of IRS Form 1099-C if this debt qualifies. If no 1099-C was issued, kindly send a written explanation.
Product: Credit reporting or other personal consumer reports

All this information need to be updated correctly. 
Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX - Employers : ALABAMA XXXX XXXX XXXX XXXX XXXX XXXX  I should only have one name same as it appears on my drivers license or social security card no other names abbreviations etc. only one address Which is XXXX XXXX XXXX XXXX no work employment should be on my report I dont work for anybody thats inaccurate.
Product: Bank account or service

I have had ongoing violatons of Regulation CC by Wells Fargo Bank. 
I just received a response to my earlier complaints on matter XXXX ] and XXXX ] Its false and a new violation just occurred.See below. 

The response is false and the claimed credits from Wells Fargo Bank in their response were never made. 

I am filing a new Complaint under Regulation CC. 
A hold was improperly placed on a XXXX deposit from a law client of mine who is a business and whose account has processed checks several times for the last year, a XXXX XXXX. His prior deposit of XXXX was made and credited to my account with no hold. I know my depositor. 
SO does Wells issued prior credits and processed checks. 
Now this deposit has been collected by Wells Fargo Bank and I have a scree shot of my client XXXX Account that the funds were collected on this check. 
Yet Wells Fargo and their operations manager XXXX XXXX have made false statements to me and stated today at XXXX PDT that even if the funds were collected, that the bank could and would charge me for all items to come in. Once again a pretext to charge my account XXXX of dollars of overdraft fees on funds that were actually collected. 
Tbis is not just a violaton of Regulation CC its fraud and is also abuse of any discretion the WFB has under CC to punish me and retaliate for my pending complaints referred to above. 

This is part of the same pattern and practice of fraud by Wells Fargo Bank I want Wells Fargo Bank to honor Regulation CC and refund all past and current and future overdraft fees. Note this also leaves me with no funds over the holiday period. 
This is the second month in a row where the bank has done this, the Bank regularly receives my XXXX direct deposit from Social Security has no risk and has been taking an average of over 20 % of my social security deposits- this also represents fraud and elder abuse under State Law. 

Please see attached deposit receipt. Note there is no hold on the receipt and no hold notice. 
Wells Fargo Bank claims there wasa hold notice on their internal Wells Fargo Bank email. I did not receive a hold notice and did not receive even a notifcation that funds were transferred from my savings account until this morning after 2 complaints on Monday and no notice for over 2 business days. 

I want Wells Fargo to refund all fees. The prior complaints should remain open. These represent a pattern and practice of improper overdraft fees in violation of Reg CC. 
I am making a claim for loss of use the collected funds and all overdraft fees.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT - # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX YOU 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

Looking at my credit report i see an account that does not look accurate. I would like to have this investigated because is is affecting me getting credit. I need this account to be investigated for accuracy. Below is the account that i need investigated for complete accuracy. 

XXXX XXXX XXXX acct # XXXX