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

I filed an FTC complaint # XXXX on XXXX. This is the verbiage : " Identity Theft. Person ( s ) opened over twenty checking and savings accounts across the country, in numerous states. They hacked our personal checking and savings accounts, made test deposits of less than a dollar, then proceeded to make withdrawals. '' I have successfully resolved closing all accounts, except for the five fraudulently opened Discover accounts below : XXXX XXXX XXXX XXXX I have contacted Discover numerous times in the past 2+ years. I have been assured they would be closed. I just received statements for XX/XX/XXXX thru XX/XX/XXXX. The total value is {$2.00}. The risk is more fraud. I request help getting Discover to delete these accounts. 
I can provide more documentation.
Product: Money transfer, virtual currency, or money service

Hello! 

There was a fraud on my debit card 3 times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, {$700.00} each time, which equals up to {$2100.00} in money that was stolen from me and that I haven't received back. I made a claim with my bank ( Wells Fargo ) and they denied it. They stated and sent documentation on why they denied me and they stated : The transactions were made using your card and Personal Identification Number ( PIN ), we found to was made by you or someone who had your permission, please consider your claim closed '' I have never lost my card, never my phone, never given anyone any bank information, so I don't understand how that's possible. I've just filed a police report as well in order to prove that I'm the real victim who's a XXXX XXXX  and desperately need my money back.
Product: Debt collection

I am writing to dispute a child support obligation that is incorrectly listed on my credit report. I am fully aware of the FCRA provision 15 U.S.C. 1681s1 which relates to the reporting of overdue child support obligations. However, the information listed on my credit report under ACCOUNT NUMBER XXXX is inaccurate/incomplete/should not be reported due it has been fully PAID and settled.
Product: Mortgage

I utilize the XXXX bill payment service to pay my mortgage with United Wholesale Mortgage. I schedule my payment to be made on the XX/XX/XXXX of the month. Payments are considered late if not received by the XX/XX/XXXX of the month per UWM. UWM keeps charging me a late fee for payments received after the XX/XX/XXXX. I question whether they are using the date they receive the check to credit my account. I suspect they use the date they process the check as the payment date. This breaks Reg Z requirements. I have asked for proof of when they actually received my check and they only send me a printout when the check was processed to the account. When I worked at a mutual fund company, all checks had to be time stamped when they were received so they were processed on the correct day. All in all this causes me a {$95.00} late fee each time it happens. Furthermore, XXXX debits my account on the XX/XX/XXXX when the payment is not credited until the XX/XX/XXXX by UWM. There are 5 days of float that my funds are held hostage??? Sure I can send payment earlier, but I ca n't understand how this is a fair business practice. I am looking for UWM to be held accountable. If then can prove the checks are being received after the due date, then I just have an issue with XXXX debiting funds earlier than the check clears. If they are unable to prove when the checks are being received, then I question all of my late fees and how UWM conducts business. Checks are sent to a PO box , so when the mail is delivered to the PO box , the check is received! Thanks, XXXX P.S. No sympathy from UWM or XXXX. Just the way the process works. I am calling them out.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the ongoing inaccuracies in the disputed accounts listed on my credit report. Despite multiple requests for thorough investigations into these errors, I have not received a satisfactory resolution. The presence of these erroneous accounts is severely damaging my credit score and affecting my financial stability. 

The negative impact of these inaccuracies has caused significant hardship in my life, and I urgently request your assistance in conducting a comprehensive investigation into each disputed account. It is essential that my credit report is updated and corrected without further delay to restore the accuracy and integrity of my financial records. 

I kindly ask that you give this matter your immediate attention and take the necessary steps to resolve it promptly. Your cooperation in this matter would be greatly appreciated, and I look forward to your swift action. 

Thank you for your understanding and support.
Product: Debt collection

I received XXXX calls from Williams & Fudge asking about XXXX separate people and do I have a way to contact them. When I asked what the call is about, I am told it is a personal matter and my number was given as a personal and emergency contact. I was further told that they could not disclose their business model or the nature of the business because it would violate Federal Law. 

I asked that they remove my number from their system, yet I got a XXXX call from them asking about a different person. The caller XXXX times goes by the name XXXX XXXX. He claims he has never spoken to me after I reminded him he had earlier in the day. 

He also contacted my son this morning about a contact he does not have. 

I asked XXXX XXXX to identify what the company does and he refused. I was told to call the company and they would be happy to disclose what there business is. I have contacted them and all they will say is " we work with colleges '' and nothing else would be shared. 

I have gotten calls from the same company at my home, but when I do not know the number, I do not answer it. I do know they called my youngest son today and he got the same treatment.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and  certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act  1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Debt collection

I understand that I have a debt with Discover but they have been repeatedly sharing my sister 's phone number with other agencies when I never supplied that phone number to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX I went to the Bank of America ATM in XXXX XXXX Florida to make a payment on my credit card the payment amount was {$130.00} I made a deposit payment of {$130.00} the ATM gave me back a receipt and said it could not process my request and the receipt had the number XXXX it had a number and said it could not return my money and I would have to call the Electronic team at XXXX XXXX which I pulled over and immediately did the agent Said they could take my compliant but could not do anything to help me.Because this was after banking hours I gave the agent all the information and went home the next morning I called and was told That it was being investigated and that I would have to call back in about a week which I did on XX/XX/XXXX I called and an agent again said there was nothing he could do it was still being investigated I have been with Bank of America since XXXX and never had an issue like this A payment from that account was for my cellphone payment of XXXX that amount was refunded which made my balance XXXX since the bank took my XXXX payment deposit of that amount once the mistake is corrected and my funds are adjusted there would be a difference of XXXX owed back to me this is. New credit card the payment due date is for XX/XX/XXXX I was paying it earlier than it was due the agent I spoke with said they have to send someone out to collect the money from the ATM once the over payment amount of funds is calculated I would be given my money back or in this case the balance after the payment to the account is made I have never had a late payment or missed payment to any of my accounts I was told by that agent that any reports to the credit bureaus would be corrected by them that it could take up to 2months to correct it and issue my refund when I contacted XXXX XXXX XXXX and XXXX they informed me that isnt true and that once it is reported it will never be removed.Like I said I dont know how this bank can take 2 seconds to take my money but 2months to give it back and correct there mistakeI need this Documented and if possible someone from cooperate to resolve this I am at the point were Im ready to close some of my accounts with Bank of America its not fair as a loyal consumer I have to have this inconvenience of having to not only fix the payment but also deal with my credit being affected by there mistake.Other consumers need to be aware of this happening to them
Product: Credit card or prepaid card

I have a {$1000.00} balance in Capital One / Walmart store credit card that includes a promotional interest free offer balance of {$120.00} that expires on XX/XX/20, I wanted to apply a payment to the {$120.00} promo balance to avoid incurred back interest, but they said I will have to pay the entire {$1000.00} balance, I don't clearly understand how payments should be applied based on banking laws, and or if they are correct about the information they gave me or if I'm being mislead. please contact me email XXXX cell phone XXXX. Thank you
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I scheduled a payoff payment for a personal loan with Avant. They told me the amount of the payoff was {$4300.00}. On XX/XX/XXXX at approx XXXX, I dropped in a mailbox at the United States Postal Service at XXXX XXXX XXXX, XXXX , OH  XXXX a check for {$4500.00} written by my bank, XXXX XXXX XXXX XXXX , to Avant , LLC . As Avant requested, it was sent to XXXX XXXX XXXX, XXXX, IL  XXXX. Yesterday, XX/XX/XXXX, I spoke with an Avant customer service representative on the phone. That person told me that they have not received the check I sent. That person also told me my loan balance is now between {$4400.00} - {$4400.00}. It is convenient for Avant to claim they have not received the payoff check because the balance on my loan with Avant increases daily. The longer they can claim they have not received the check, the more my balance with them increases. From the date I sent the check to them to yesterday when they claimed they have not received it is 12 days. It does not take 12 days for regular mail to go from XXXX, OH  to XXXX, IL.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Department Ed XXXX Accounts ( XXXX in total ) Late payment in all accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instruction
Product: Credit reporting or other personal consumer reports

All these accounts that I don't know and are in my report I don't want them, I have reported them many times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am being denied for credit due to my credit scores appearing nearly XXXX points less on TransUnion in my letter denying credit. 
My scores are not all in agreement with the information reporting and the scores creating major conflict within my financial strength and capabilities. 
My score across all the bureaus are all wildly different. XXXX is XXXX while TransUnion is XXXX. I want my reports all to reflect accurately and precisely so that I dont have to spend hours upon hours losing sleep figuring out what is correct and incorrect. TransUnion of XXXX is ideal for me and I would like the other bureaus to mirror the information. I further ask that when reporting my score to a potential creditor that it be send accurately and in real time. The denial letter from XXXX XXXX services via TransUnion is specifically targeted. The letter said my score was XXXX! A far leap from XXXX. Please make sure an accurate credit score is being provided. This is damaging me financially, its crippling.
Product: Credit reporting or other personal consumer reports

There are fraudulent inquiries in my report that i wanted to remove. Please help me remove them as they are really hurting my credit. Thank you. 

XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX  inquiry date XX/XX/XXXX
Product: Student loan

Failure to Reissue Stolen Reimbursement Check and Conflicting Information Provided. 

Within the past year, the school of which I was paying my loans to closed. However, I already had some payment made on those loans I took out. 

After the school closure, a reimbursement check was supposed to have been sent due to the closure. 

After not receiving the check, I contacted Nelnet ( XX/XX/year> ) and spoke to XXXX XXXX who informed me that check had already been cashed, and that the Department of Treasury would mail me a Fraud Package ( which I never received ). 

The second time I reached out for more information, they informed me that they would simply resend me a check I have not received any fraud package, nor another check, nor any information as to who cashed ( which should be available ) said check since this date and so on.
Product: Mortgage

I am a XXXX veteran who is exempt from paying property taxes, yet I found myself in a dispute with Village Capital and Investments LLC ( VC ) over a refund for these taxes that I should never have been charged in the first place. Despite providing documentation of my tax exemption at closing, which took place on XX/XX/XXXX, I was erroneously charged. On XX/XX/XXXX, XXXX received a refund from the State of Virginia for the property taxes, but getting that refund back to me has been a series of frustrations. 

I have called XXXX numerous times, asking them to send me the refund via paper check as they initially told me they would. Despite these repeated requests and assurances that I would receive my refund, XXXX has consistently refused to return my calls or respond to my emails. 

The situation reached a tipping point during a call with a XXXX agent. My previous requests for a refund were outright ignored until I played a recording from previous calls. Only then did the agent acknowledge the backlog but stated that no action had been taken to process my refund. This acknowledgment came after a significant delay ; the funds were paid on XX/XX/XXXX, and here I am on XX/XX/XXXX, still without my refund. 

This series of events highlights my frustration and difficulties in getting back what is rightfully owed to me. My attempts to rectify this situation have been met with a lack of communication and inaction from Village Capital, leaving me without the funds that were erroneously collected from me, despite my clear eligibility for tax exemption.
Product: Credit reporting

I 've had some fraudulent activity show on my credit report and have been working hard to clear it off. TransUnion is reporting a TAX LIEN for $ XXXX?! /? and it 's not mine. They still are reporting it and wo n't remove it. It 's with a court in CA and when I go to that court 's website you ca n't pull up any records showing this. I 've never owed any taxes like that in my life. Someone used my information to either run a business into the ground and that 's why their 's taxes.. i do n't know. Please assist me to have transunion conduct their process. Also there is XXXX collections but the tax lien was the main problem.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX charged my card with out any authorization from any part. He did not obtain a signature from anyone authorizing the transaction or any written consent to do so. A dispute was filed for services not provided and fraud in XXXX and now again in XXXX for fraud again. The banks the processed the transactions TD Bank, XXXX XXXX, and XXXX XXXX XXXX. Did not due there due diligence in investigating the claim. The never made a followup to allow me to address his false position and defend myself against XXXX XXXX defaming letter ( s ). They never even made any attempt to verify if the charges were indeed authorized which they were not. There is not any correspondence or signature to authorize the claim. In one letter to TD Bank the letter state the charge was " Called In '' and the receipt shows it was swiped. 

XXXX XXXX XXXX has {$13000.00} in unauthorized fraudulent charges and services not provided to my account which TD Bank failed to protect me for. XXXX Can not provide proof of authorization for these transactions in any facet. 

These banks failed to protect me as a consumer and this attorney has indeed committed fraud. 

I pray for you assistance in this matter. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy federal credit union stated I owed them money for 3 debts, which in their own words these are debts that I still owe them money on. Since Navy federal credit union is stating I owe them money for these debts ACCOUNT # 'S XXXX. I am asking for documents to prove I'm obligated to pay this debt.An account ledger that shows I have an obligation for this alleged debt. I would like to see Navy federal 's records of accounting/their ledger for these 3 accounts, an established credit card account ending in XXXX on XXXX XX/XX/XXXX ; a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX ; and a personal expense loan account ending in XXXX on XXXX XXXX XXXXIf navy federal cant provide me their ledgers which should show I owe them money they should remove these inaccurate debts from my consumers report immediately. A BANKING LEDGER/ OR GAAP LEDGER ON THESE ACCOUNTS would show that I owe them money for these alleged debt please produce them and I will have no problem paying on this debt. They've reported inaccurate accounts on my consumer reports for 6 plus years while never suppling any information to show how I am obligated to pay on these debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions