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

Our business account with Union Bank was closed due to an overdraft of {$150.00}. We are a a new business just starting out and are in the process of finishing our website to start conducting business and in the meantime attempted to connect our external checking accounts to our Union bank business account to keep our business account afloat with the appropriate balances to cover our domain fees, and web services fees until we began generating sales. We received online notices that our accounts werent allowed to be connected. To pay our overdraft fee, we attempted to deposit {$360.00} on Sunday XX/XX/2023 to pay the overdraft and have a balance and the funds were not accepted and thats when we realized our account was closed. We paid the overdraft fee on the closed account, but was unfortunately told that we were reported. It is unfair that banks can just report and close accounts when there are actual attempts from customers to resolve issues. We all as individuals and partners have active and good standings with our other banking institutions. We are now being held in a position to have our otherwise good standings questions when we attempt to open a new business account. We truly want to have this damaging notice/reporting cleared for a minor issue. Thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft due to the XXXX breech and it still has an effect on my life to this DAY, and I have had many accounts compromised or opened in my name without my knowledge. Some of the companies have replied and agreed to remove the fraudulent accounts off of my report. I've reached out to XXXX, XXXX and XXXX XXXX  MANY TIMES regarding these accounts and they ALL have agreed to remove accounts! I even sent the credit bureaus proof many times and they have the audacity to say its " ACCURATE '' but have removed other fraud accounts which makes no sense to me. 


Many more accounts have been appearing from XXXX and they never follow up to make sure it was me opening those accounts! 

I'm tired and have exhausted all my options I have many police reports, an FTC report, and Letters from these Creditors and yet they're still reporting to my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wi the fair credit reporting act, XXXX account number 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681.

You are required under the FAIR CREDIT REPORTING ACT to have properly verified that an account listed on my credit report is mine by having a copy of the " original credit application file. 

See Attached
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT FOR CREDIT COLLECTION SERVICES Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious CREDIT COLLECTION SERVICES Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX ADDRESS XXXX XXXX XXXX XXXX, DE XXXX
Product: Mortgage

First of allow us to make the declaration ; our home is paid in full with No Mortgages or Liens validated by County Records and Title Insurance ; but this Company, Altisource an affiliate of XXXX, broke into our home ; and changed the locks to a coded lock ; destroyed our front door ; and pantry door ; ripped up our carpet in the den and master bedroom, muddied the carpet on the stairs and upstairs ; and transferred our utilities to Altisource Name. We contacted the Police ; and the Police after reviewing the evidence ; and speaking with Altisource and XXXX Reps filed a Felony Charge of Theft by Conversion. XXXX XXXX, Altisource Ombudsman Customer Manager claimed that XXXX 's Attorney, XXXX XXXX was the culprit stating that the property was vacant ; but the yard was manicured and the utilities were on ; so he changed his story to state that was foreclosed on XXXX XXXX, 2017 ; this lie was also debunked. XXXX 's Ombudsman had no knowledge of any foreclosure and this was validated by his letter that stated " They are reviewing the issues raised that was submitted to the CFPB and would respond by XXXX XXXX, 2017. ( Ombudsman Letter attached ). The CFPB email stated, XXXX XXXX XXXX XXXX is reviewing the issues and are requiring 60 days to respond. ( CFPB Letter Attached ) Aside from the fact that we own our home outright and has never had an account with XXXX or Altisource ; and has NEVER paid Ocwen nor XXXX dime. We have no idea what Altisource is ; but know that XXXX is nothing but a Big, Fat, Criminal Collection Company for Mortgages that was sued and ordered to pay 2. XXXX XXXX Dollars and issued a Consent Order by the CFPB ; and has recently been sued again by the CFPB and 25 other states that also has banned them. Neither Ocwen nor XXXX are banks or Lenders yet they think that they can break into someone 's home ; change utilities and take possession ; NOT OUR HOME. Evidence has shown that the CFPB is investigating the Altisource- XXXX Relationship. ( Evidence Attached ) Evidence has shown that the SEC Subpoenaed XXXX over Altisource Associations. ( Evidence Attached ). Evidence has shown that Altisource paid XXXX XXXX to settle a Class Action over its XXXX 's relationship. ( Evidence Attached ). With all of the above ; and much, much, more ; how in the World are these Crooks still operating in America? As Veterans that defended this country ; someone is going to answer that question ; and Altisource is going to PAY to restore our home.
Product: Vehicle loan or lease

Paid {$30.00} to a division of Citizens Bank to get a lien release on a paid off XXXX  XXXX that was owned by XXXX XXXX The Citizen person said everything was in order with my request Today I received an email stating they will not be sending me the lien release
Product: Money transfer, virtual currency, or money service

My account has been permanently limited ( unable to do anything on it ) without a reason given. I have fully verified my identity by uploading a picture of my SSN and Drivers License. I have uploaded an invoice for the items I sold on XXXX which were requested. Even after providing all of this information, they have still decided to permanently limit my account with almost {$3000.00} sitting in it unable to withdraw it. My email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRAXXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

Disputes on my account have been updated but to only be added back with the original predator and collection agency.Frauds, inaccurate reportings, double jeopardy : deleted prior, Specifically speaking safeco. Who sold it to XXXX collection services which they deem they charge-off. 
Which I disputed and had it deleted. Also any payment, balance, charge off history reflecting Discover card and or its subsidiaries. Consumer Law Violation ( S ) exist under 15USC 1681 and 1682 Transactions and Experiences are ILLEGAL to Report between the CONSUMER AND CORPORATION OR PERSON. 
Also they have violated the exceptions outlined for reasons to furnish or report data without disclosure and or consenting consent.
Product: Credit card or prepaid card

I've reached out to this company numerous of times about my federal income that has been taken off my Serve account prepard American Express card. They have denied me multiple times for my dispute. On XX/XX/XXXX my card has been used and had XXXX taken off my card. They keep saying I've authorized these transactions. I'm currently living in a hotel and that money was for my apartment to move into a home with my XXXX  children. It was my FEDERAL INCOME TAX. After my third 3 attempt with my dispute they have closed my account and locked it. Saying I haven't kept up with the agreement that they have with me. I asked for documents to see their evidence I never received a copy. I really feel like it's a inside job. Or because the amount they don't want to give me my funds back. I have police reports, and also the offericer has subpoena them for their records.
Product: Debt collection

I'm filing a complaint against XXXX, XXXX, XXXX, I.C. System Inc., and XXXX because there was a collections against that was falsely opened in my name on XX/XX/2022. XXXX claims that I owe a balance of an XXXX XXXX  whenever I switched carriers from XXXX to XXXX XXXX. I recently messaged XXXX, and they said that it is IMPOSSIBLE to switch carriers when you owe a balance on a phone, and XXXX XXXX proved that when I opened the account with them, they didn't see any balance owed AND the IMEI was in good standing. Also, when I traded in this XXXX XXXX  to an XXXX Store, the IMEI was in good standing. I have a variety of evidence to prove my case. Messages between the two carriers, screenshots of the phone 's IMEI in good standing, as well as the receipt for my traded XXXX XXXX. This has messed up my credit score for a long time, and I wanted this collections account removed.
Product: Credit card or prepaid card

I have had a Cabela 's credit card for 15 years and always mail my payment out on the XXXX or XXXX of the month to get there by the due date of the XXXX. 
On XX/XX/XXXX, I mailed this out along with 3 other bills that were going across country. All 3 received and posted my payments on XX/XX/XXXX or XXXX. Capital One, who just took over Cabela 's  credit cards when XXXX XXXX XXXX bought them, did not post my payment until XX/XX/XXXX and then charged me a late fee and interest the last 2 months. When I called them, they said I needed to check with the post office. The post office told me to have them provide a copy of the envelope to show the postmark date. When I asked them for this, they advised me they do not keep the envelope. They told me there is no way I can prove when they received the payment so have to go by the day they posted it ... which was late so fee and interest apply. I believe they received my payment before the due date, but waited to post it until after so they could charge me the fee and interest. This, because I always pay my balance in full and never pay any finance charge so they are not making any money from me. This problem just happened for the first time in 15 years and only after Capital One took it over. 
When I posted this on a sportsman 's forum, my response lit up from other people who have just recently experienced the same problem from Capital One and who never had a problem with Cabela 's.
Product: Checking or savings account

On three separate occasions account holder attempted to close his Truist personal checking account. Each time Truist reopened the account without authorization by account holder in order to cover debit requests from a credit card company. Account holder made up the deficit twice and write a letter to instruct Truist not to reopen the account. Finally, on the third time account was reopened account holder refused to cover the deficit caused by the unauthorized reopening of the account. Account holder is now receiving collection letters for the negative balance.
Product: Credit card or prepaid card

I have been XXXX  since XXXX due to Covid-19. I was issued a Way2go MasterCard through Virginia XXXX. My card was never received and I was told that a new card would be sent out in XXXX. I was told that it would take a few weeks but it was also not received so I have been trying to get answers and through to someone for several weeks now. At approximately XXXX today ( XX/XX/2020 ) I finally got through today and was told that the card was never sent. I explained that I was upset because I am XXXX  and have been several months now with XXXX income because they didn't send the card and asked if they could please send it out as quickly as possible. The woman that I spoke with was very rude and said that if I was that worried about it I should have called before now and that I would have to pay {$20.00} to have the card expedited. I explained that I had called several times and had been unsuccessful in reaching anyone and I had been contacting XXXX almost daily trying to get answers and kindly asked if the fee could be waived due to it not being my fault. She said no and I asked if I could speak with a manger to see if it could be expedited. After several minutes of waiting I finally spoke with a, I guess we will call her a manager, that was rude and said that she would absolutely not waive the fee and when I asked her to explain why she thought waving the fee was not appropriate in this situation she told me to have a good day and hung up. There really needs to be someone to review this call and issue better customer service training in this department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of Ed/Nelnet violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope all is well All three credit bureaus are saying I made heavy use of available revolving credit and this is no longer correct it needs to be taken off and fixed. Im not making heavy use of available revolving credit my debit to income ratio is 13 percent. The remaining balance on non mortgage or installment loans are to high and this is incorrect I dont have a mortgage or no installment loans this needs to be removed as well and reflect correctly.
Product: Prepaid card

I have an e gift card for Amex and can not use this for anything. It was sent to me via email, so I dont have an actual card. I had won a picture contest from XXXX over a year and a half ago XX/XX/2022 and the funds were sent to me in the form of This e gift card. I can not use it in the stores, as its a piece of paper. I have tried to use it online XXXX and it gets declined. When I called Amex they just tell me to use it at stores. I have gone to my local grocery store with the paper and they said they cant enter it, and I went to XXXX and the same scenario. 

Ive had to pay taxes on this money, so I dont think its fair that I can not use it.
Product: Checking or savings account

Affirm emailed me an advertisement on XX/XX/XXXX for a savings account with a 1 % APY. At the bottom of the email in small text, a disclaimer read " This APY is effective as of XX/XX/XXXX and may change at any time before or after account opening. '' I have been looking for an attractive XXXX so I was interested when I read this email today, XX/XX/XXXX. I searched online and looked at the Affirm app in my phone for more information about their savings accounts. On their site and in their app I saw that they advertise an APY of only .65 %. When I called their customer service line and tried to clarify what their APY is and why I was misled, they told me that to get my accurate APY I would need to open the account. I insisted that no, they're advertising a rate and that's the rate the account is set at, so why are they sending emails with misleading rates that haven't been offered for years? I was escalated to a supervisor who admitted that to her knowledge, they do not offer any savings account with 1 % APY and said she'd file an internal complaint. I told them that they now have notice that they're violating consumers ' rights and that I would file complaints against them with their regulators.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account disputed with credit bureau came back on XX/XX/XXXX with resolution of " updated '' however all data remains the same further more status update shows update XX/XX/XXXX which proof not proper investigation was carried out
Product: Checking or savings account

Dear Sir/Madam Someone opened an account under my name with large deposits repeatedly for months. I have repeatedly went to Bank of America informing them that this is not me, I show them my license, fill out a fraud complaint and all. I recieved 1 letter from the fraud department and said it was being investigate account is closed butonths latter a new bank statement arrives, after several attempts to the bank telling them this us not me, I angry tried to get the money from account but my social security number and phone number do not match with the account so I couldn't go no further with any transaction. Please help me with this matter. 
Thank you for your services XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive identified accounts and inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My automobile finance company, XXXX XXXX XXXX reported all of a sudden that I was 30 days delinquent in XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I reviewed my transaction payment history in according to their online payment history of my account and I have not been thirty days late on either of the months. i disputed with them through the credit bureau and by writing a letter to them and they said the information was correct. i also contacted them by phone and they could not verify after checking that I was late. This time i suggested maybe they was reporting someone else and in error put a number wrong and went on my credit report instead. I have attached their online payment history from their site and the letter I just wrote again asking them to review my account again. I think this information just got put on my credit report this year I look at my credit report through XXXX XXXX almost weekly and I did not recall seeing any delinquencies from Hyundai..
Product: Credit card or prepaid card

Good evening, Wells Fargo keeps denying my rights to arbitration under section 6 of my credit card agreement. I have requested arbitration to contest the results of two disputes : # XXXX & # XXXX many times but keep getting told I can not do so, despite it being in my credit Card agreement. I even have audio recordings of phone calls to Wells Fargo customer service, which show them denying my request ( attached ). 

Thank you,
Product: Credit card or prepaid card

I was a victim of identity theft in XX/XX/2014. Wells Fargo sent me a letter saying that they stopped the transactions on my Wells Fargo Credit Card and credited my account. Well, I had it set up where my credit card would automatically draft from my checking account and pay the balance in full when the bill was due, so it took {$920.00} from my checking account. I called multiple times to get this issue resolved and even had a personal banker work on my case, but Wells Fargo customer service kept transferring us around and never letting this issue go any furthur to being solved. It has been 5 years and they still have not solved this issue and it has been written as a charge off on my credit report and still reporting to this day.