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

On XX/XX/XXXX, we received an alert that our account had a balance of {$13.00} and given the fact that my husband and I just had direct deposits that were made we knew immediately there was a problem. We called the XXXX number located on our card to ask the situation and we were told that there were several on-line transactions made. I got on-line to look at our account from my phone while on the phone with the Wells Fargo representative . The presentative was hard to understand as she had a very thick foreign accent and my spouse in the background was also trying to speak at the same time. Needless to say, we both were in a panic our entire account balance had been drained. We told the representative that there were several transactions that were not ours. However, upon further review we found that 2 transactions that we had reported false were in fact our charges and were legitimate. We also stated that the card was in our possession which it was and still is. However, all of the illegal or false charges were on-line charges made with a company in XXXX, IL and all within a 30-minute period in increments of XXXX and XXXX until our account was finally drained and leaving us a mere {$13.00}. While these charges were still showing as pending and within hours of them being made, we called Wells Fargo and said these were not made by us. Fast forward to XX/XX/XXXX and Wells Fargo has denied our claim and said they will not be returning the money given our past spending habits. The argument can be made that yes, we make several on-line purchases, but never once have we ever purchased gift cards and again did not make these purchases on-line or otherwise.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX for reporting inaccurate and inconsistent information on my credit report. Despite my attempts to resolve these discrepancies directly with the credit bureau, the issues remain unresolved. Below are the details : Bethpage Federal Credit Union XXXX XXXX XXXX ) Now FourLeaf FCU Bethpage Federal Credit Union was bought out by FourLeaf FCU.

One report lists the account as " Paid as Agreed '' with a {$0.00} balance, while another states " Full Termination '' without further details. 
The credit bureau has failed to clarify or correct this inconsistency despite my dispute request. 
FourLeaf FCU ( Auto Lease ) One report lists the account as " Charged Off '' with a {$480.00} past due balance as of XX/XX/year>. 
Another report shows a {$0.00} balance with no charge-off. 
No bill was ever received for the stated outstanding balance, which is a violation of the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ). These laws require creditors to send proper billing statements before reporting delinquencies. 
I request an investigation into this account to verify the accuracy of the reported status. 
. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. If the disputed information can not be verified, it must be removed. The continued reporting of inaccurate data is harming my credit standing and financial well-being. 
I am requesting the CFPB to investigate this matter and ensure compliance with the FCRA. I have attached supporting documentation, including copies of my credit reports highlighting the discrepancies. 
Please provide me with an update on the investigation and any corrective actions taken. Thank you for your attention to this matter.
Product: Debt collection

XXXX XXXX XXXX refuse to follow federal laws I have dispute and ask for a verification of debt. I have been told to go XXXX myself! by this company refuse to respond to anything tried to dispute with XXXX  XXXX XXXX told them its verified never did anything liars
Product: Debt collection

I received several phone calls from a private number, which I do not answer. When the last phone call was made by the unknown caller, I sent the call straight to voicemail. That is when I was able to reveal who was calling. The repeated calls were made by Wells Fargo trying to collect the debt at XXXXXXXX XXXX on XX/XX/2023. They then left a text XXXX to please call XXXX. When I returned the call it was Wells Fargo. On the first initial call, I could not provide the account number which prompted me to have to call back again. I talked to XXXX XXXX ( believed spelling ). I was told multiple attempts was tried to contact me. Which is another case in itself. At this time my rights was violated under the FDCPA. No debt collectors is allowed to call at unusual times. I was harassed by the annoyance of these calls and also being awoken out of my sleep. I would also like to mention that was never contacted by mail with this recent issue nor debt. I would also like to mention, upon further review of paperwork previously sent by Wells Fargo, this account may be fraudulent.
Product: Checking or savings account

I have multiple accounts with US Bank ( checking, money market, credit card ) and noticed I have been charged a monthly maintenance fee over the past year and a half on my checking account even though my account meets the requirements to have the fee waived ( monthly direct deposit of XXXX XXXXXXXX, combined account balance of XXXX XXXXXXXX ). When I spoke with a representative on XX/XX/24, they confirmed that I meet the requirements and that my account is being charged in error. They were able to re-fund the fees from the past 90 days but said they can not prevent my account from continuing to be charged in error and I will continue to be charged the fee. As a customer that meets the requirements to have the fee waived, they are granting a false promise that I will not be charged and are stealing from me each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account - XXXX XXXXXXXX XXXX - 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: Money transfer, virtual currency, or money service

I received an email from the bank saying that I received the amount of {$1000.00} in my account from the Application XXXX. I was happy because my son told me that he was sending the money that I asked to borrow me. I checked my account in Bank of America and never received that amount. My son account was charged for the amount but I never received it. He use my email address to send the money. We called the bank Bank of America one lady its name is XXXX from California. Also we went to our brand location but they said they were not able to get it the app transactions. They gave us a number to call. I don't received any response on the customer service number.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Status of this account is Showing Paid or Paying as agreed but it also show 2Late payments that should not be reflecting on my Credit Profile and I am Hereby Demanding Deletion to the Invalid information Showing on My Experian, XXXX file Pursuant to My Fair Credit Reporting Act.
Product: Checking or savings account

I opened a savings promotion with Citi Bank and used a promotion which said that {$400.00} will be credited if i meet the criteria of maintaining a balance of {$15000.00}. Account was opened on XX/XX/2020 and said amount was deposited initially. I used the chat service, and customer care and was told that i met all the conditions and the amount will be credited first on XX/XX/XXXX, then XXXX XXXX and finally they opened the case. I was told that the case will be resolved on XXXX XXXXXXXX, then XXXX XXXX and again on XXXX XXXX. Finally on XXXX XXXX, i was told that case officer checked and mentioned that wrong promotion code has been applied. They are not giving the promised promotion amount and are coming up with false excuses every time.
Product: Mortgage

I've already spoken with several superiors in the company, and while they may be returning much of the money lost I believe that this company is overall as sketchy as they come. Loan Depot, specifically the branch located in XXXX, FL, was the lender my husband and I went with for trying to find a mortgage for our first home. We initially were working with XXXX XXXX, but he soon provided us with a new loan associate in XXXX XXXX. My husband and I were both at what are referred to as seasonal jobs in the area, but were working on to moving into stable income. XXXX promised this wouldn't be an issue. I told XXXX my student loans for next semester needed to be processed by a certain date and she promised we would be closed in time for them to process after closing, and we didn't and now I may not be able to finish my XXXX XXXX XXXX until the fall. XXXX had specifically told us not to open ANY lines if credit so when my husband and I ( who both lack insurance ) both got injured, I broke my foot and he dislocated his knee, we refused to go to the hospital in return causing further injuries in the name of being able to get this house. Finally, after multiple extensions, our final walk through, numerous injuries, and several last minute tasks closing day was upon us. We were denied after the empty promises of XXXX and everyone we inevitably worked with due to the amount of vacations everyone kept going on. We have sustained physical, emotional, and financial damage all because we put our trust into an accredited lendor, only to find out when reaching out to the Vice President of the company that they weren't even accepting applications for people in the service industry due to COVID-19. They were full of promises they couldn't back, and no one should have to experience the pain and deceit that my husband and I have gone through with the company. They have offered to return money lost on the house, but I will still lose out on this semester and graduation and my husband and I have both harmed ourselves further by not receiving treatment for injuries out of the advice given to us by our loan consultant. Absolutely ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ) reported to XXXX company my criminal recorded which was Dismissed on XX/XX/2013 Case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX - -Date Opened : XX/XX/2019 XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) -XXXX-Balance {$760.00}
Product: Credit card or prepaid card

A purchase was made on my Comenity card that was not made by me from a. company namesecuretest. Was told that I could not make a dispute until it posted ... what the heck. Locked both cards. Called today because another purchase was made by the same company and today ... their computers are down.

I also had a fraudulent purchase made on the XXXX XXXX scan & go app that was not made by me buy on my account.I called to report and they did nothing ... I stood my ground and did all the work MYSELF ... to get the charges reversed. This company does nothing to help the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to both the creditors and bureaus and neither has given me resolution .... in my search for resolution I came to realize that my rights had been violated by -XXXX  XXXX XXXX XXXX XXXX -XXXX  # XXXX in accordance to the Fair Credit Reporting Act... .these creditors violated the following 15USC 1681 section 602A states I have a right to privacy...

also 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or consent these are clear violations
Product: Mortgage

My home was foreclosed while I was in the loan modification process. I was denied one time and the second time, even though I furnish all the required documents, my home was foreclosed. The servicing company was XXXX XXXX, Chief Financial Officer, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. The Trustee was LAW OFFICE OF XXXX XXXX, as Trustee, XXXX XXXX XXXX  XXXX XXXX, XXXX, CA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT A DISPUTE TO XXXX, EQUIFAX AND XXXX IN XX/XX/2021. EVERYTIME THEY ARE SENDING BACK MAIL SAYING THE ACCOUNTS HAVE BEEN VERIFIED WITH NO PROOF OF INVESTIGATION. THE ACCOUNTS THAT ARE BEING DISPUTED ARE XXXX XXXX XXXX XXXX WHICH THERE ARE XXXX ACCOUNTS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX XXXX. THESE ACCOUNTS ARE REPORTING DIFFERENTLY ON ALL THREE CREDIT BUREAUS. THEY ARE NOT CONSISTENT ACROSS THE BOARD. I NEED THEM REMOVED AS SOON AS POSSIBLE. ALSO XXXX AND EQUIFAX HAS CREDIT INQUIRIES WHIC I DISPUTED BUT THEY TOLD ME TO CONTACT THE PROVIDER. ALSO MY NAME IS NOT REPORTING CORRECTLY ON XXXX. I ONLY WANT XXXX ADDRESS TO SHOW WHICH IS XXXX XXXX ON ALL REPORTS.
Product: Debt collection

Company lied through the CFPB response- sent a bill from almost one year ago as proof that money is owed. Debt had been paid to original creditor a long time ago. I have attached TSI response letter through CFPB as well as 10 months of bills showing that nothing is owed until XX/XX/06 for my monthly bill.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of XXXX XXXX breach I want these items delete it from my credit report effectively immediately I am attaching proof that XXXX has admitted that I was in fact a victim of data breach and XXXX has done nothing please help me delete these illegal accounts from my credit report. 
XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Exeter Finance Llc XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

To whom it may concern, I XXXX XXXX received a credit card from capital one. I had used the card once to withdraw {$60.00} from the ATM the card worked perfectly. Then I went to the store to purchase a gift for my daughter, the card declined. I went to another store with the same results. The next day I called capital one to check my card and was directed to the fraud division. They asked me a few test questions which I had answered all correctly except for one question. I was instructed by capital one to send a copy of my social security card, utility bill and my New York state ID. First I had faxed everything but capital one said that it was n't clear enough. Then I had uploaded it on my lab top and capital one said that it would take 24 hrs. before my card could be re activated. After the 24 hrs was up I was told by capital one that it would now be 72 hrs. I participated in capital one 's survey giving them a horrible review., at the end of the survey capital one asked me was I the same person who contacted them on XXXX XXXX. I had replied saying yes and now when I call capital one I can never get a live person on the phone. I received a letter from capital one today stating that I might be a victim of identity theft which is another lie that capital one has told. Some of my friends have said that the same thing has happened to them. My husband said that he was n't ever able to use his card because Capital one told him that he was a victim of identity theft. Capital one done nothing but send me back XXXX and sabotage my daughter 's birthday.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states consumers agency can not furnish a account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Experian on two separate occasions requesting them to send me physical proof -- signed contract with my signature on it pursuant FCRA section XXXX, to verify that tbe negative items listed on my credit file are indeed mine. Despite TWO written request, Experian has yet to send me proof, has also stated they will not look at my file again, and the negative information remains on my credit file. I did not send in a dispute, I sent in a request to them exercising my right as a consumer pursuant FCRA for them to disclose this information. Experian has been negligent and non compliant which is violating the law and my rights as a consumer. It has been two months and the negative items remain on my credit file without any physical verification, which is in violation of federal law, and which derms Experian as negligent and non-compliant. Experian feels they are above the law and are not complying with the law which is very clear
Product: Credit card or prepaid card

I have had my CapitalOne card for about 17 years and my husband has been an Authorized User for about 7 years. The Credit Limit on the card is {$21000.00} but on XX/XX/XXXX my husband used his card to make a purchase for {$26000.00}, bringing the total on the card to {$29000.00}. I am the XXXX XXXX and thereby responsible for paying any charges incurred on my card and my husband 's card. CapitalOne did not require me to approve the charge in advance and only notified me AFTER they approved the charge that far exceeded the limit on the card. 
The CapitalOne website states that Authorized Users are not allowed to " Change the credit line '' which I have come to believe is deceptive language. Over the course of the next month, I made several calls to CapitalOne asserting that they should not have allowed the charge to go through without my authorization because my husband does not have the authority to change the credit limit. They stated that being " over limit '' transactions were allowed on our cards, they did nothing wrong. My position is that a cardholder would assume small over limit charges would be allowed for unexpected situations but that no reasonable person would expect CapitalOne to allow a charge that put the card over limit by almost {$9000.00}. I have asked CapitalOne what the upper limit of my card is, if not {$21000.00}, and they replied that they can't answer that question. My only option to avoid incurring huge interest costs was to take money out of savings to pay the credit card balance. 
I believe the language in CapitalOne 's Access Levels document is deceptive, that their management of credit limits is disingenuous to increase their profits and that they do not sufficiently protect the XXXX XXXX who is responsible for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Equifax a letter disputing the in Inaccurate and incomplete information on my credit report. I sent them proof of the inaccurate and incomplete information on my report and they responded with a stall tactic requesting proof of my identity which they already have. This I know because I have been disputing with them for a while. Enclosed will be that Equifax has been knowingly reporting inaccurate and incomplete information on my credit report as well as proof that I have been disputing with them. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( CLOSED ) Account Number XXXX 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

Got initial notice from XXXX XXXX saying there was a credit check done by XXXX. then received a letter from XXXX that this request was determined fraud and they closed the account. 
Account number that was created : XXXX XXXX caught this was fraud and closed the account to protect me.