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

I am trying to transfer money using USBank 's online banking system. USBank limits the amount of money I can transfer to an external account. The limit is {$5000.00} per week. This limit is extremely low, even compared to limits from other banks. I think it is meant to purposely delay the amount of funds I can transfer from USBank so USBank can keep the funds for a longer time period.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter asking for verification or removal of the following information XXXX XXXX XXXX XXXX, and unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX system has not complied with me or responded Im trying to remove a fraudulent account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent letters stating " I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Last week I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! In accordance with XXXX Section XXXX, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. '' Equifax, XXXX, and XXXX have not given me any document of my hand signature or any other documents showing proof that any debt belongs to me. Please investigate and help resolve this matter, thank you.
Product: Prepaid card

I received a {$250.00} AMEX eGiftcard from a friend on XX/XX/year>. I have tried to use the card on multiple websites such as XXXX, XXXX, XXXX, etc. It gets declined every single time but the balance check shows {$250.00}. Amex is no help and says that it should work. A quick search online and many many people have this issue and have not found a way to get their money off of the prepaid card except for by submitting a claim through this portal.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, 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 U.S.C 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 XXXXXXXX  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. 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

Received court papers from unknown XXXX XXXX XXXX XXXX ( or DEBT? ) XXXX XXXX  when trying to resolve debt with XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) Was rejected multiple times and deliberately uses XXXX XXXX and XXXX XXXX to collect debts. 

XXXX XXXX XXXX : Close Your Proxy XXXX XXXX XXXX XXXX XXXX to collect illegal Debt collections.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1692g I never received any communication about this unauthorized collection and according to law it must be removed immediately. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 ( i ) 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 ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that you will investigate this account for me to ensure accuracy. Here is the account im asking you to verify as accurate : XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

I complained to CFPB and Bank of America did not adequately address all of my outlined issues. My previous complaint number was XXXX. Bank of America charged me a totally different interest rate from XXXX. I also disagree with Bank of America 's response and they should adjust my rate to XXXX XXXX as I remember.
Product: Checking or savings account

XX/XX/2023, I received a notification on my phone from Apple Credit Card issued by Goldman Sachs Bank Bank USA that my credit card account was locked and that I would need to contact support to unlock it. I contacted support and was told to contact them again during regular business hours. 

XX/XX/2023, I contacted Apple Credit Card ( Goldman Sachs Bank Bank USA ) and after verifying my information, made a one-time phone call to the number on my account, providing me with a number to call back to remove the lock on my account. I called the number to remove the lock, and while on hold, I received another notification on my phone, this time related to my Apple Savings Account issued by Goldman Sachs Bank Bank USA. My savings account had now been locked. This lock meant I could not access any of my own money in my savings account, I could not withdraw this money or transfer it back to the linked checking account. 

When I reached Apple Card Support, I was notified that my savings account was locked due to my Apple Credit Card being locked. I was told that I could not access my Apple Savings Account or my Apple Credit Card until a " review '' had been completed on my account.

I asked for a timeframe of how long such a review would take, seeing as I had all of my money in this savings account and needed to access this money to pay bills, etc... I was told there is no timeframe for the review. I asked if they could transfer the balance of my savings account to the checking account of another financial institution already linked to the Apple Savings Account, and they told me there was nothing they could do on the account until the Apple Credit Card review was complete.

I was given instructions that, first, the Apple Credit Card review would be conducted. When that was completed, and access was restored to my credit card account, only then could I contact Apple Savings Account support to get the lock removed from my savings account. 

I asked to speak to a supervisor and was told the supervisor was not available until Monday.
Product: Credit reporting or other personal consumer reports

I had car thur westlake financial, they over charged me, as i pay for XXXX years on this car, I allowed to have the car back, and they charged off that car, But at the same time they reporting to XXXX that the account is open and stating XXXX missed payments,, I will take them to small claims court if it keep reporting that in correct information,,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a certified the below attached letter to LexisNexis Risk Solution. I asked LexisNexis to explain to me how they could release any information regarding credit files they hold on me to anyone when my credit information is frozen. Furthermore, Lexis Nexis is reporting that I have a Bankruptcy. I asked LexisNexis to Verify and Validate the information. I was asking for a letter from the US Bankruptcy court identifying the name and title of the clerk that VALIDATED said information. As of Today XX/XX/XXXX LexisNexis, has failed to comply with my request and the law. 
Depending on the outcome from CFPB, I will be seeking damages for Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against LexisNexis and XXXX XXXX, CEO I would be seeking a minimum of {$1000.00} and up to {$5000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute inaccuracies related to my XXXX XXXX XXXX account ending in XXXX, as reported by XXXX, XXXX, and XXXX. Despite initiating a dispute on XXXX XXXX XXXX, I have not received the required investigation results or requested documentation from either XXXX XXXX XXXX or the credit reporting agencies. The account is currently listed as " charged off as bad debt, '' with a past due balance of {$7300.00}, yet no IRS XXXX form has been issued to me as required by law for any canceled or forgiven debt. Additionally, there are inconsistencies in the reporting across the three bureaus, including varying " last reported '' and " last active '' dates. These discrepancies raise questions about the accuracy and completeness of the information. I respectfully request that the CFPB take immediate action to enforce the investigation and provide all relevant documentation, or remove the inaccurate reporting from my credit file entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX 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: Debt collection

I sent a validation/verification request to chase in order to know that the account is owing. Pursuant to UCC 3-210 I am allowed to ask for an authenticated record of the account. I am seeking for the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss with this account. In the notice I had also mentioned that I will do an FOIA search of the account to see if any insurance claims had been paid out. Additionally, depending on the response of the company, I will ask the IRS to audit the account. Lastly, I am requesting that this company cease reporting this item of information on all consumer reporting agencies pursuant to 15 U.S. Code 6802 and Privacy Act of 1974. As a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a.
Product: Credit reporting or other personal consumer reports

I missed XXXX Payments due to a situation during the XXXX XXXX XXXX. I have sent a goodwill letter to the CEO of and to XXXX XXXX to have these late payments removed as I am current with the account, always pay on time, and haven't missed a payment since. I recieved a call saying " We have to accurately report information to the bearau, so we are unable to remove .... '' etc. From what I recall under the CARES act I could have these payments removed but am not XXXX percent sure. Therefore I'm inquiring on a report with the CFPB to see if I can have this issue resolved and come to a solution that is both fair to me and XXXX XXXX.
Product: Debt collection

There are too many instances to report about this slumlord that owns XXXX XXXX  XXXX XXXX in XXXX, WV. Basically, we lived here 7 years. In those 7 years, we always paid our rent early, except one time in 7 years we were late a few weeks. Long story short .... The office manager gave us a fictitious payment/debt owed ledger. We were appalled to say the least! We sent the office manager a large and fat manilla envelope with copies of our monthly rental payments. We even went to court over this. The judge threw it out of court. We gave our moving notice on XX/XX/2022 and moved out completely on XX/XX/2022. We owe nothing, but XXXX XXXX XXXXXXXX XXXX turned a fictitious ledger into a debt collector, and it has affected both our credit histories. 
We owe absolutely nothing!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY.
Product: Mortgage

I made a compliant to FHA in XXXX regarding Wells Fargo Home Mortgage refusing to accept payment. After FHA investigated Wells Fargo agreed to resume accepting payments to bring the account current. I have been consistently making payments and payment agrrangements while I was waiting for my divorce to be completed, which Wells Fargo reports was an issue. I signed a Release Of Information for Wells Fargo to speak with my attorney to confirm the divorce was pending on XX/XX/XXXX. Wells Fargo allowed me to make payment arrangements which was paid on time. The last payment they accepted was on XX/XX/XXXX, and I made payment arrangements for XXXX, XXXX, XXXX payments. Wells Fargo did not pull the XXXX XXXX, XXXX payment nor the following payment arrangements I discovered on XX/XX/XXXX. When I called to ask why, they informed me that the agreement for payments was revoked and they have a Cease & Desist on my account that has been active for 10years and updated in XX/XX/XXXX. I never signed a Cease & Desist and requested a copy of this alleged document several times with no success. I was informed I could terminate the C & D either verbally or in writing but when I verbally terminated the C & D they are not honoring it. Then when I spoke with representatives today XX/XX/XXXX, I was told they attempted to pull XX/XX/XXXX payment but the account was NSF, which contradicts what was told to me previously. Not to mention the money is in the account and I used the same account with all my previous payments. I believe they are purposely trying to keep my mortgage in arrears and using fraud as a deceptive predatory practice. I faxed them a copy of my final divorce papers from the XXXX XXXX judge that addressed the home and Wells Fargo confirmed receiving it. But they are still refusing to allow me to make payments stating they have a Cease & Desist even though no representative can view the actual Cease & Desist form that they alledged I signed.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Williams and Fudge, a debt collection agency, regarding an unauthorized disclosure and claim of a debt that I do not owe. I was contacted by the company, and to my astonishment, they appeared to have access to my personal information, the procurement of which remains a mystery to me as I have never willingly or knowingly provided them with such details. It concerns me deeply that my private data is in their possession without my consent. 

Furthermore, the agency has been attempting to collect a debt they allege I owe. This accusation is false and baseless. To my knowledge, I have not incurred the debt they are asserting, and I have not received any valid proof of this obligation from them, which infringes upon my rights under the Fair Debt Collection Practices Act ( FDCPA ). This experience has caused significant distress and inconvenience as I have been forced to devote my resources to refute a debt that is unjust and fictitious. 

Given these circumstances, I request the CFPB 's assistance in investigating this matter. The practices employed by Williams and Fudge in this instance seem to infringe upon my consumer rights, and I am deeply concerned about the potential ramifications this could have on my personal and financial wellbeing. 

Thank you for your time and consideration. I hope for a swift and fair resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about a matter of great concern to me. Recently, I found multiple mistakes on my credit report. As I understand it, I have the right to contest these items with XXXX, Experian, and XXXX XXXX ; and each bureaus is required to conduct investigations into the specified accounts. I contacted the bureaus, and requested investigation via postal-mail, on XX/XX/2019. I expected to receive a response from the bureaus within 30 days, alerting me that the accounts have either been corrected or deleted. As of today, 44 days have passed without a response, and this is unacceptable.
Product: Mortgage

Several weeks ago I applied for a Home Equity Line of credit on the Bank of America online site as I have several accounts already with them. On the application I explained that our home was under a Revocable Living Trust I offered to send a copy of the document, but I was told that there was no need for that. I completed everything they asked for and sent all forms to them. At least two more times I offer to send the Living Trust Document to them each time I was told no need. We get all the way through the process and today I get a call stating that they do no lend on Live Trust only Living Trust. The very first page of my document states clearly Living Trust. All the affidavits I completed and sent out I clearly stated I was the Trustee. My daughter is also a Trustee and she too signed the Affidavit as they requested. The person calling me clearly does not know what they are talking about. I clearly stated also that I had a POA for my husband whom has XXXX XXXX as his name is on title. This was recorded which included two letters from physicians stating his inability to sign. I provided all documentation and completed all the paperwork. I want the inquiry removed from my credit report as it was pulled under false pretenses. If I had been told in the beginning, I would have not moved forward. The gentle man I have been dealing with is XXXX XXXX XXXX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called spoke with XXXX in the Equifax internal consumer affairs dept.. Ask this young lady can I have my file released for 48-72 hrs so the bank can considered my application for a car loan due to the fact that my vehicle has just broke down on me. Now I have had several problems with this dept in the past concerning fraud alerts and other items concerning my credit report. This company went as far as telling me that they were not going to release my file for me to have some credit protection company look at it. Then I was told to give them my information to what company it is I am wanting to view my record at the time and their contact information. Now she is telling me to fill out a form XXXX that I filled out in XXXX 2017 and was told that I only need to fill this out once a year. I asked why do I need to fill this out again and she stated because they needed it. Well I told her I already filled this form out and what is the need for me to do it again for them to tell me they dont have it or it will take 48 hrs for them to receive. I asked to speak to a supervisor and she refused saying she was the highest level when in fact I know that XXXX is the supervisor over that area because thats who I ended up speaking to previously about this form that I sent several times. She refused again and I told her that she was denying my file to be release for me to get another means of transportation. I asked several times more to get to a supervisor and she still refused. Please help because I have asked for fraud alerts and my file to be removed from this dept because they are causing me more headache than the person that originally took my identity before. They are hurting more than helping.
Product: Payday loan, title loan, or personal loan

I hired a firm to install a door in my home. The salesman offered financing through XXXXGREENSKY. I was not sure I wanted the financing. I was told I could apply for it and change my mind within a short period. Three days I believe. I applied but changed my mind the next day. The salesman acknowledged I could pay the cost through my personal credit card instead. Later I was suprised to see XXXXGREENSKY appear on my credit report with a balance outstanding. I asked to have the item removed from my credit report, and XXXXGREENSKY refused. Incidentally, the firm failed to install my door, so I do not owe anything to anyone for this project