23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Three Credit Cards trying to be collected have been prove to be Identity Thief and XXXX, XXXX XXXX and XXXX deleted them in XXXX. Police report, Identity Thief report, copy of Alabama Driver 's License, Social Security card, Birth Certificate and Still USAA are claiming I opened the three credit cards. I do n't even know when the cards were applied for, got or used. I have submitted all this and am still being harass by USAA. USAA has sent this to XXXX XXXX XXXX, XXXX and XXXX. The Credit cards are XXXX {$7400.00}, XXXX {$5100.00} and XXXX {$11000.00}. I had a house guest from XXXX XXXX till XXXX XXXX then I kick her out. In XXXX of XXXX, I XXXX XXXX XXXX was contracted by XXXX XXXX XXXX in XXXX XXXX. Was informed that I owed for three Credit cards. I thought it was a bad joke. I call the police made a report. Submitted to XXXX XXXX XXXX police report, Driver 's License, Social Security number and Birth Certificate. Then in XXXX XXXX contracted by XXXX did the same and sent USAA the same information. Now XXXX and I have filed a Identity Thief Report. XXXX XXXX, XXXX and XXXX all did an investigation then deleted from my credit in XXXX. USAA has received all these reports and still trying to collect on an Identity Thief victim.
Product: Checking or savings account

Wells Fargo admits they received a refund check from XXXX XXXX XXXX. This refund was because the company found I had been overcharged over {$800.00} during the period I told Wells Fargo about questionable charges. I asked for months what happen to the check and Wells Fargo denied it was related to the overdraft. 

Wells Fargo refuses to admit any wrong doing. A customer satisfaction check was sent to me in the mail that had a letter stating I should cease communication with the bank after I demanded to speak with the attorneys representing the bank to confirm my suspicions that this entire case is a matter of massive fraud that reaches into this agency. 

I sent the information to the XXXX XXXX XXXX XXXX with a copy of the police report. This agency, CFPB, has done nothing to assist and I am continuing to make these post to prove small town America is still being choked to death by big banks. 

I am XXXX. The funds were stolen from my XXXX XXXX Account being used to manage my health. I am certain I would be in much better health if Wells Fargo had not decided to pick a fight with me. The attachments are the fake customer satisfaction check and the police report. 

I live two hours away from any Wells Fargo locations and online banking was critical for account management. I was denied access to the account soon after the fraud began as currently. As stated earlier, I got a certified letter in the mail telling me to avoid person to person contact with Wells Fargo and employees. After the bank and I tried to verify the cashier 's check all individuals who answered my calls suggested I ignore the letter and go into the bank and they would gladly cash the check for me.
Product: Credit reporting or other personal consumer reports

Lexis Nexis. 

I am requesting a copy of my consumer report. 

I have requested this several times via your website correctly to then receive written mail I cant be verified. 

Attached to this complaint you will find : My drivers license My social security card My address XXXX utility bills Surely this is proof of my identity. 

Please send a copy of my report via email. 

If that is not possible send it via mail. 

All of my contact details are listed on this complaint.
Product: Credit reporting or other personal consumer reports

didn't recieve requested information, did not validate debt
Product: Mortgage

I sent a wire to pay off my mortgage with Mr. Cooper on XX/XX/21 per instructions I received by email from Mr. Cooper. And they have still not released the lien. 
I called them on XX/XX/21 and spoke with XXXX, she said she emailed the lien release dept. and she would call me back in a week to 10 days. Never heard back from her. 
I called on XX/XX/21 and spoke with XXXX. She also emailed the lien release dept. 
I called on XX/XX/21 and spoke with XXXX. She transferred me to XXXX in the escalation dept. who confirmed that the mortgage was paid off on XX/XX/21, but that the lien had not been released yet. She also emailed the lien release dept. 

In addition to this problem ... I can't even tell you how many times I had to call them to have them correct the additional principal payments that were made. Needless to say, my experience with Mr. Cooper has been frustrating.
Product: Credit card

Earlier in the year, XXXX of the credit cards I have with Truist were stolen and several fraud charges were made on them. I immediately contacted Truist to report the issue. It took several months for anything to be done about it. In the meantime, Truist was charging me interest on those fraud charges. They eventually finished their investigation in XXXX and determined they were indeed fraudulent and reversed them. However, they then changed their minds nearly XXXX months later and put the charges back on XXXX of my cards. They then closed my savings and checking account as well as both of my credit cards. No reason was ever given outside of a generic letter that said Truist had the right to terminate my accounts at any given time. I've contacted them several times and for months after just trying to get clarity as to why and they all refuse to give me an answer. For whatever reason, XXXX of the cards was randomly re-opened last week for regular usage again. I only noticed because a random XXXX charge was made on it. I'm confused as to why it was even closed in the first place and why {$7000.00} of fraud charges are allowed to stay on this card.
Product: Debt collection

Midland credit calls numerous times each day doesn't leave message using 904 prefix phone numbers and phony names of persons.using neighbor spoofing to tactics including XXXX XXXX on caller ID when calling.
Product: Debt collection

on XX/XX/XXXX NAVY FEDERAL CREDIT UNION committed fraud freezing my account the amount of XXXX on the behalf of a non government officials child support enforcement agency which is a debt collection agency i contacted NAVY FEDERAL multiple times in regards of my account i told them this anti money laundering they are committing pursuant to 18 usc 1956 all they did was give me a number to call the agency to set up payment with them this is considered racketeer influenced and corrupt organization because ether of the companys can provide me any contract about this alleged debt Navy federal is completely liable for the garnishment of my property i also intend to notify the federal trade commission as well check attachment of deceptive form pursuant to 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my report and saw so inquiries that I had not authorized. They are not mine and need to be deleted. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please remove them.
Product: Vehicle loan or lease

On XX/XX/2021 I XXXX XXXX, I entered a consumer credit transaction online in which I was the original creditor and the seller with Carvana by providing my credit card ( license ). As I proceed online to further the transaction there is a down payment of {$37000.00}. Because there is a finance charge presented pursuant to 15 USC 1605 they can not take down payments because the finance charge is the sum of all charges. Once my credit card XXXX license ) was submitted there was a credit card transaction in progress. 18 USC 8 pursuant to 15 USC 1602 ( a ) ( I ) once the card is submitted all obligations in this credit card transactions are paid for.

In pursuant to 15 USC 1611 giving false or inaccurate information or fails to provide information is a violation to my consumer rights In pursuant to 15 USC 1640 ( 2 ) ( A ) ( i ), ( 2 ) ( B ) for violating, in the case of an individual action twice the amount of any finance charge in connection with the transaction
Product: Debt collection

XXXX COLLECTION AGENCIES KEEP CALLING MY DADS CELL XXXX TIMES DOCUMENTED. ARE ILLEGALLY REPORTING XXXX XXXX TO ALL CRAS.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I looked at my credit report this morning, I saw unauthorized inquiries that I cant explain. I review my report regularly, but these discrepancies suddenly appeared. I refreshed my browser, hoping it was just a mistake, but the unauthorized inquiries were still there. I am very frustrated, and I need the documents Ive sent to be examined immediately to ensure this doesnt happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I applied for a loan modification which has been in progress for some time now, with select portfolio servicing, i have spoken to them in the month of XXXX, XXXX on XXXX XXXX. XXXX XXXX. XXXX and XXXX /16 regarding varies requested documents that were sent in and received the last person i spoke to was a XXXX XXXX XXXX on XXXX about XXXX ; XXXX in the afternoon, i was told that they had everything in that was needed, at no time was there ever mention that some thing was wrong or there was something missing, well today i got a letter stating that my file was closed because of missing documents and my home is set for sale on XXXX/XXXX/16. I really dont know what kind of games these people are playing nobody said anything to me about this all the times i called, they never called to say nothing just like that they closed the file, and the excuse was and they waited until a few days before the sale to tell me was my non borrower income provider didnt prove that he lived in the property even with a telephone bill, electric bill and a bank statement with his name and our property address on it select portfolio is full of it, this is nothing but XXXX, to take my home they make XXXX XXXX look like XXXX. ps I also included the dated letters they sent to show they are liars they never said nothing about the documents!!!
Product: Credit reporting or other personal consumer reports

FCRA 605B, in my understanding, necessitates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies in reporting, including inaccurate amounts and dates.
Product: Credit card

My wife and I have a joint credit account with Bank of America. On the XX/XX/2016, taking advantage of a mailed offer from Bank of America, we endorsed and deposited an access check in a checking account at our local bank. Several days later on XXXX I wrote and mailed XXXX checks drawn on this account. At that time my bank listed the funds from the access check as available. On XXXX XXXX my bank informed me that the access check had been returned NSF. I called Bank of America on XXXX XXXX and talked to XXXX. She asked me for my bank account and routing numbers and assured me that the funds would be deposited in my account the next day. The next day, XXXX XXXX, after no funds were deposited in my account I again called bank of America. I was told by XXXX that the money would be in my account the next day. Once again this did not happen. By this time I am beginning to pile u NSF charges at my bank. On XXXX XXXX I was able to speak to a supervisor at Bank of America, XXXX XXXX. XXXX put me on the line with XXXX XXXX. Both of them stated that they had determined that their bank had made an error and they assured me that any costs I incurred at my bank would be covered by them. XXXX told me she would call me back. One week later I left voice messages for XXXX 3 times and emailed her once. She finally called me after several more days and advised me that my bank would have to file a protest. Can you help me? I am out {$360.00} and Bank of America is stonewalling me, hoping I give up I suppose. 

Contact info at Bank of America ; XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX
Product: Debt collection

Per XXXX at XXXX XXXX XXXX Ph # called and gave me ID # XXXX. She stated that the file is in litigation status and that they have filed a civil suit againist me. When I requested to get the debtors information she declined information several times. She transferred me to another Rep whom gave me the information for Bank of America and gave me a number. I called Bank of America and they advise that that Case Manager XXXX would help me. I spoke with XXXX whom advised that she was collecting on a debt from 2008 I advise that the statue of limitation for collection has been exceed and she went to say that they had the right to continue to sue me for {$6700.00} for a credit card that I am not even aware that I had. I asked for more information but they wanted to just continue to ask me for my personal information such Social and DOB and address.
Product: Debt collection

I requested a copy of the bill back in XX/XX/XXXX that is leaving a negative mark on my credit report. I have not received a copy of the bill.I explain that this could be my son bill which he has his own insurance if not I'm willing to pay off.
Product: Debt collection

I am writing to address a late payment entry that has appeared on my credit report. I recently discovered this entry and would like to request its removal XXXX XXXX XXXX
Product: Payday loan

I defaulted on my loan and they tried cashing the check for the full amount after I had already paid part of my balance down and my bank will not cash it if the money is not there. I get hit with non sufficient funds fees every time losing XXXX dollars everytime. Making it harder for me to repay them back. I have XXXX loans out one at Check Smart and one at XXXX XXXX. I will never be able to pay them back if I continue to lose money for NSF fees on top of the ridiculous fee for taking the loans in the first place to repay back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit companies, XXXX and XXXX are not complying with their own policies in a timely manner. Transunion has reinserted a account that was removed off my credit report under a different name called XXXX XXXX  XXXX XXXXhis from XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX 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 XX/XX/2023 XXXX XX/XX/2023
Product: Vehicle loan or lease

This makes the second complaint against this company. Northstate is still sending information about a negative remark of some sort to the credit bureaus. Their excuse at first was that I was paying too early and needed to pay a day or two before the due date, so I began doing that. For the first month, I didnt get the negative remark. Now, once again the remark has reappeared on my credit information. I pay on time and have always prided myself with paying as early as possible for this company. Each month, I have to dispute this information with the credit bureaus and it has become such an unnecessary hassle. I constantly have to check my credit because Im afraid that this company has once again applied a negative remark. The company accepts no responsibility for applying a negative remark and always ensures me that I am an outstanding customer. I need this issue to be fixed and will continue complaining until it is.
Product: Bank account or service

They keep charging me over draft fee and matiences fee when I use my account for direct deposit told them I lost my card but still charge my account then say wellyou cant close it because of a balances well you have to pay it. instead of crediting all my money they credit what they think I should have.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S. Code 1681b- Permissible purposes of consumer reports, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

On XXXX XXXX and XXXX XXXX, Experian reported two hard inquiries to my consumers credit report without my written consent to Experian to do so. No consent is identity theft. 
I, XXXX XXXX never gave Experian my written consent to report anything negative to my consumers credit report. A copy of the law, and a copy of my credit report is posted along with this complaint. 
Experian did not have permissible purpose! 

Under 15 U.S. Code 1681 ( a ) ( 4 ) - ( A ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

As stated in the 15 U.S. Code ( a ) ( 4 ), Credit agencys should respect the consumers right to privacy
Product: Mortgage

My wife and I purchase a house in XXXX, CA in XXXX XXXX for almost {$150000.00}. The loan was serviced by XXXX, XXXX XXXX when Countrywide Bank purchased the loan for {$120000.00}. There after I refinanced the loan to obtain a cash out of {$100000.00}. During the time everything was put into a rush mode where we had no time in reading the entire document and did not understand the terms and conditions. We totally relied on the bank doing the right thing for its customers. Thereafter, in XXXX I realized my loan balance did not make sense at all and started investigating. Before CountryWide could provide a clear explanation to our inquiry Bank of America purchased CountryWide Bank. All efforts to obtain answers to my were to no avail as representatives continued to tell me they investigating and get back with me. In XXXX XXXX, XXXX I finally sent a letter and analysis detailing why i disagree to various charges on a XXXX US Mail ( Copy attached ). On Friday XXXX XXXX, XXXX a representative, XXXX XXXX ( Direct phone number, ( XXXX XXXX XXXX ) called me and indicated that he is a BOA Loan Origination Researcher to go through documentation I sent. After 30-45 minutes of discussion, XXXX XXXX was insisting the loans were over 7 years and that the bank is not obligated to keep the loan documents. I consistently explained that there is a potential fraudulent activities involved with my loan and that they will have explain how all those charges were added to my loan. Frustrated with his answers I had to end the discussion and promised to call him on the following Monday, XXXX XXXX, XXXX, and that he should do his due diligence because his answers to my questions were not valid. I had been investigating the charges since XXXX and the bank should not have destroyed any of those documents. On Wednesday XXXX XXXX, XXXX I received another call from a representative lady from BOA, XXXX and said she is from BOA Escalation Dept and wanted to discuss my complaint. When i told her I did not and should not have a line of credit on my loan as she claimed, she wanted to transfer me to their customer service department. i indicated that i had never had success dealing with their customer service department so would not want to go there again. Thereafter I talked with some mortgage loans experts, including XXXX from XXXX Bank, XXXX XXXX XXXX, a CRA Mortgage Loan Originator with XXXX Bank and after reviewing my documents suggested that I contact your agency for full investigation because there were too much charges she could not understand. It is therefore my humble hope that your agency can lodge a full investigation to recoup all the fraudulently added charges and paid interest over the years to bring my loan balance, if any, to the correct amount. I have also attached a loan payment history obtained from BOA, and even as a XXXX i am having problem totally how much I have paid CountryWide and BOA since my mortgage loan was acquired by them in XXXX. The house was again purchased in XXXX XXXX and for almost 29 years my loan balance is still over {$240000.00}. Your agency 's assistance will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB complaint today to request the Credit Bureaus to remove the accounts and information that resulted due to identity theft. After receiving an updated copy of my Credit report, I immediately noticed that the previously disputed fraudulent items are still reporting on my Credit Report despite the numerous dispute letters I have been sending to the Credit Bureaus. I have read that under the FCRA section 605b, the Credit Reporting agencies are required to remove the accounts and information that the consumer identified as item resulting to identity theft. The letter I sent on XX/XX/2022 has complete attachments of my personal identifying documents, the ID THEFT REPORT I received from the FTC as well the FCRA section 605b. I am requesting the Credit Bureaus to remove the following items completely from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If the Credit Bureaus claim that the items in dispute belong under my name, I need the Credit Bureaus to provide me copies of proof of verification.