23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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 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
Product: Checking or savings account

Wells Fargo ran a promotion if you open a checking account in 90 days there will be a payout of {$300.00} I have not received it. I opened this account in XX/XX/. I tried to electronically deposit {$1000.00} I could not. So I went into a branch at location XXXX XXXX XXXX, XXXX, TX XXXX. The teller told me if I signed up the account through the promotional website if I deposit the money here I should get the bonus of {$300.00}. 
So I deposited {$1000.00} at XX/XX/ XXXX. I called them on XXXX and asked them why I have not received it, the agent said the promotion began after XX/XX/XXXX. This made no sense because how was I able to apply through the promotional website on XXXX. I explained this to the agent and then she came up with another reason which was the deposit did not meet the requirement. Then I asked her why did she switch her reasoning, and she said that is just what her computer is telling her. The agent was being very ambiguous
Product: Mortgage

My name is XXXX XXXX, my servicer is Nationstar mortgage XXXX mr cooper, I am working with a certified HUD counselor who has been mediating between myself and the lender, the lender agreed to allow payments from a local county grant in the city of XXXX ca to send a {$12000.00} payment and, said I can also send in {$5000.00} to lower my balance so I could qualify for a state grant called California mortgage assistance. The lender said they would hold the monies in a suspend account and would not send it back, they asked that we place it to the attention of XXXX XXXX we have complied, on XX/XX/2022, I received a notice from the lender stating they have returned the monies sent to the local grant distributor, after an agreement was in place by the HUD counselor and the lender, saying they would hold it, this is the 2nd time monies were returned. I am trying to save my home and the lender has made it very difficult for me to resolve the past due amounts. I need to get this resolved each day we wait makes my account further past due. I also sent an additional {$5200.00} attention XXXX because a new payment was due. total sent $ XXXX by the city if corona- was returned by lender {$5000.00} sent by borrower- lender said they don't have it, although it was sent to XXXX XXXX per their instructions $ XXXX sent by borrower- lender said they don't have it, although it was sent to XXXX XXXX per their instructions
Product: Checking or savings account

On XX/XX/XXXX I made a payment to XXXX in the amount of XXXX $ and a second charge for XXXX which both showed as posted to my account til XX/XX/XXXX. I purchased a car and until the delivery date of my car the funds had to be held on the Merchants end and they refunded me on XX/XX/XXXX on date of delivery. I look at my chase account to show a ATM credit which showed about 10 mins after my call with XXXX. I wake up on XX/XX/XXXX to look at my account and boom no XXXX ATM credit and no XXXX charge on XX/XX/XXXX on my statement no longer I have receipts for XXXX that shows when I made the deposit and when it got released. I contacted chase multiple times they told me first that it seems as if the money was returned to the merchant due to a BANKING GLITCH I called XXXX which they stated no it shoes on our end we released the hold the money should be in your account and I should definitely contact chase back. I contact chase again to tell me that my money first went back to the future and was giving back to me on XX/XX/XXXX when that would be impossible because they never released the hold until XX/XX/XXXX. I asked to speak to a supervisor that was rude and told me that she doesnt know what Im speaking about because she doesnt see a charge or a credit on there end therefore it never happened. Poof my transaction disappeared and so did my XXXX . They said theres nothing they can do because they never charged me the XXXX $ and it was never taking from my account and theres no record of such. How would that be possible if I got a ATM CREDIT the day prior for the transaction being released. I have included photos and receipts and call logs with both said companies time stamped
Product: Credit reporting or other personal consumer reports

This credit bureau clearly did not open a proper investigation on concerns that I have made them aware of dealing with what I have found on my credit report and I am looking for your help to resolve this issue. On XXXX I sent in a dispute in regards to accounts with inaccurate information. Ive sent multiple before this last dispute. According to U.S Code 15 U.S.C 1681i ( 5 ) ( A ) ( i ) Treatment of inaccurate or unverifiable information In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. I am attaching my dispute letter and would like a resolution for the accounts I am referring to. I do not believe the credit bureau is abiding by the FCRA and it is shown based off of my investigation request. The FCRA defines a consumer 's file as all of the information on that consumer that is recorded and retained by a consumer reporting agency, regardless of how the information is stored. I am requesting the documentation provided by the credit furnishers that verified the account information on my credit report. I am requesting the instruments used to determine that the accounts are reporting accurate information. If nothing can be supplied. I believe I was not given a proper investigation according to FCRA standards and my request for the accounts indicated in my letter will be adhered to. 

XXXX  : Account number : XXXX, This is getting ridiculous. I have no record of this account ever belonging to me. You need to remove this inaccurate information ASAP from my credit report. 

XXXX XXXX : Account number : XXXX, Despite my previous dispute letters to your department, the most recent credit report I reviewed still indicates that this account is being reported inaccurately and incorrectly. Multiple " violation '' claims have been posted on this account. I don't think the account 's current status is right. I strongly encourage your department to reinvestigate this matter and ensure that accurate, equitable, and full information is provided. Immediately remove this erroneous account from my credit report! 

XXXX XXXX XX/XX/2022 : I don't recall authorizing this inquiry. It could be fraudulent.As a consumer by law this account must be deleted immediately. 

XXXX  : Account number : XXXX, I was never late in paying this account. I need you to update this account. 

XXXX  : Account number : XXXX, How can you say this account was updated when it still looks exactly the same? The same inaccurate information is still being reported by your company and nothing has been updated. Update these inaccurate late payments immediately from my report. 

XXXX XXXX  : Account number : XXXX, No late payment shall be reported in a paid account. Update this account on my credit report immediately.
Product: Debt collection

I had credit card company called for payment gave the company the correct info for payment which was already on account company calls back a month later stating that they close my account for none payment had company info they stated that they put in the wrong info. I then asked that can I make the payment and be able to use my credit card they stayed no I will I have to have my credit ran again. Didnt want my credit ran again asked can I pay off the balance, they changed a XXXX dollar balance to a XXXX dollars balance which I feel was not my fault. Then the calls started I should only have to pay the XXXX dollars which is was less then what I owed on the credit card
Product: Debt collection

I've explained to the previous debt holder Resident Collect, Inc.. several years ago the debt in question isn't mine ( XXXX XXXX ). Resident Collect continued to send me collection notices. I told them that I never lived in XXXX XXXX XXXX located in North Carolina. I went so far as to file identity theft. 

Today I received the same bill from Innovative Recovery , Inc. from the same address as Resident Collect for the same amount and for the same creditor XXXX XXXX XXXX XXXX 

This collection process has been going on for over 7years XX/XX/2011.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  - XX/XX/year> 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: Debt collection

AMERASSIST is claiming that I owe them {$1200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Bank account or service

I went in to close my PNC account. It was negative at the time and I paid to bring it up to a positive balance and then closed it. The lady I spoke to who was closing my account said she put it in, but since it was a Saturday it would n't go through until Monday or Tuesday which was fine. She then cut up my PNC card and that was it. About 3 weeks later I got a notification that my account has been over drafted. I spoke to them on the phone and they apologized, but said I needed to pay the fees and then close my account again. Now I am being charged calculated service charges for an account that was supposed to be free and also closed over 2 months ago. At no point was I notified that they could n't close my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX 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  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have made several attempts to have erroneous credit inquires removed from my report. Again, most recently I sent correspondence to all three bureaus to have fraudulent inquiries removed. I have received correspondence back that the inquires are valid. I have had no business dealings or authorized the pull my credit profile for these entities.The Fair Credit Reporting Act Section 609 ( Consumer Disclosure Section ) entitles me to this. 


XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/year> Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

I'm not liable for this debt with MIDLAND CREDIT MANAGEMEN I don't have a contract with the collection agency trying to collect a debt they didn't provide me with the regional contact as requested
Product: Credit reporting

I have several inquiries that are showing on my report - I did not authorize any of them. Please see attached letter enclosed, along w/my drivers license and social security card, for identity purposes.
Product: Debt collection

I have no idea about this debt. I almost paid the collector, however upon requesting paperwork from the original debt, the company stated that I wasnt able to access that paperwork until I see a judge, that it would be made available in the discovery packet. I have contacted the company they state I owed money to, and this company stated I have never had an account with them ( I used the social, account number, and name provided to me by the debt collector ). XXXX XXXX XXXX ( XXXX XXXX ) is the company. I requested all transaction and signed paperwork ( that they claim they have ) again today, and was denied until litigation begins. Theyve told me if I pay today, itll be {$1100.00}, but if I dont and request the papers, they wont settle and will request the fill {$6000.00}. I have never even heard of the company theyre stating I owe money to. 

I have requested that the company stop all collection efforts for a reasonable timeframe ( 30 days ) until the requested paperwork has been received and ample time permitted to review and validate the legitimacy of the debt. The company refused, and actually laughed at my request. They will NOT give me any proof of this debt ( other than a paper from the collection company ) unless I agree to go to litigation for the full amount and all associated court and legal costs.
Product: Credit card or prepaid card

I went into a furniture store to purchase a dinning room table set and took the 90 days same as cash option to pay for the item however on the day I was to pay it off I forgot to make that last payment and then the big interest started and with every payment they charge me tax which I paid tax when I purchased the item. My complaint how are they able to get away with the amount of interest they charge and why do they add tax to every payment??? The name of the company I am referring to ACIMA.
Product: Student loan

This is a follow-up to my complaint XXXX which for some reason keeps getting referred to the OCC despite not being a national bank. 

In XXXX, I worked with MOHELA via XXXX in hopes to consolidate and refinance loans allegedly taken out through XXXX XXXX for my time at XXXX XXXX XXXX XXXX. 

In XXXX, I started a XXXX XXXX case with Federal Student Aid against XXXX XXXX XXXX for misleading information and malpractice - as such, I attempted to internally gather records of the original student loans by XXXX XXXX and the consolidated, refinanced loan through MOHELA. 

As it turns out, MOHELA claims that the total amount paid to XXXX XXXX was {$41000.00}, while the XXXX XXXX account in my name only has record of {$10000.00}, now marked Paid In Full - neither company has been able to produce a receipt of this transaction paid to the other, or a proper validation of debt with a written signature on the initial loan. 

I have since paid MOHELA well over the initial amount of {$10000.00}, and have never borrowed money directly from MOHELA- just an alleged refinancing of money owed to XXXX XXXX, which also does not have record of my signature on any student loans. 

I have attempted to contact MOHELA multiple times via written letters, fax and calls since XX/XX/XXXX with no attempts to resolve this dispute on their end.
Product: Checking or savings account

I have been a customer with Bank of the West for many ( XXXX ) years. I have a checking account, a savings account and a credit card with them and with the last five years they have become absolutely horrible. 

They offer overdraft protection, but its not overdraft protection. Its a scam. I I have spoken with many representatives, and asked them rather than overdrafted my account if they could decline the charge. They say to enroll in overdraft protection to do this however, it doesnt do anything and continues to overdraft the account. And when youre not enrolled in overdraft protection, it does the same thing. 

I also have a savings account which should take money directly out of savings, rather than overdraft my checking but this is also not done. The only thing they offer is ONE overdraft refund a year. The overdraft fee is {$35.00}. 

Ive sent notifications to notify to notify me the minute. My account is under a certain amount, but Ive they never notify you until after they can charge you. 

I have pretty much tried to stop using my bank accounts because they continually overdraft me unfortunately this has caused me to use my credit cards more. Causing me to go into more debt. 

Their practices with my credit card are also very suspect. Its almost impossible to pay the credit card. If you pay it early, they debit the money out of the account that you paid from but dont apply it until the actual payment date. The money essentially just disappears until payment date. Also, if you deposit a check into your checking or savings account, the money has to clear before you can even begin to pay your credit card. Good luck even trying to get in touch with their credit card customer service on this- Ive been put on hold for hours and never got in touch with anybody. 

Ive paid hundreds of dollars in overdraft fees which honestly I dont have the extra money for. 

Ive been a customer for many years with Bank of the West- I thought a community/regional bank would be a better option but its not. I wouldnt recommend this thing to anybody and I hope the government goes after them.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX Owed : {$170.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX : {$7100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have made multiple attempts to resolve this matter with American Profit Recovery, but they have failed to respond to my requests for verification or payment options. Under the Fair Credit Reporting Act ( FCRA ), any information reported on my credit file must be accurate and verifiable. Since the company has not provided validation of this debt, I am formally requesting its removal from my credit report due to non-verification. Per FCRA guidelines, the credit bureaus are required to investigate this dispute within 30 days and remove any unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She was notified by Capital One bank of a fraudulent application submitted with her information without her consent that left a fraudulent inquiry on her XXXX, XXXX and XXXX credit reports XX/XX/XXXX. An official dispute of this was faxed to Capital One XX/XX/XXXX however as of this date no reply or update of the investigation has been provided. This is a violation of the FCRA and my clients consumer rights.