23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On theXX/XX/XXXXI deposited a check written out to me into my account for the amount of {$16000.00}. The check was written by my grandfather who confirmed with his bank and got evidence that the check cleared with his bank and the money was transferred to Wells Fargo ( my bank ) on the XX/XX/XXXX My bank originally told me that the funds would be available on the XXXX. On the XXXX I checked my account and not only were the funds not available but there was no amount from the check available in my account and the bank was telling me it would not be available and was placed on hold till the XX/XX/XXXX. I waited till the XX/XX/XXXX to see if the funds would possibly be released sooner. When the funds were not available I called the bank because 11 days is an unreasonable amount of time for money to be available in my account when I have proof the check cleared. I spoke to several different people who gave me excuses such as : the money was not available because the check was not endorsed ( I was later told by another wells fargo employee endorsement was not necessary on my deposit and was not the real reason for this hold ), that wells fargo did not yet have the funds ( this was confirmed as a lie by my grandfathers bank ), that it was on hold because it was an unusual amount for me to deposit, that my grandfathers bank was not releasing it because it was not endorsed by me ( also confirmed as a lie by my grandfathers bank ) and that it was placed on hold to protect my grandfather who holds no accounts with them. After two hours on the phone trying to get my money rightfully released into my account and being told there was no possible way it would be available until the XXXX. On the following day, the XX/XX/XXXX, I brought my grandfather and the proof that the check had cleared his bank to a wells fargo manager at a branch. The manager told us the money hadn't been deposited because it was an unusual amount for me to deposit and that they were trying to protect him ( that is his banks job ). She then told us she could release the funds into my account right there becuase he was there to verify that he wrote the check. She never verified that my grandfather was my grandfather by asking for identification and released the funds directly into my account after I had already been told that this was not possible.
Product: Mortgage

Initially, I setup a biweekly payment, which included extra principal payments. Then I noticed Wells Fargo was not applying my payments to mortgage until the second payment arrived. Meaning I am accruing interest for 2 weeks, while they hold my payment including the extra principal payment. So, I switched to biweekly payment without extra principal payment. I feel even my biweekly payments should be immediately applied to the loan and not be held for 2 weeks. I am losing up to {$20000.00} or more over the life of the loan by the bank not applying my payment to the mortgage. The system also doesn't allow for scheduled principal only transfers to pay mortgage.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, XXXX, and Transunion consistently responds within XXXX hours stating that the account is accurate, without providing any evidence of a thorough investigation. My information has been breached and these practices violates the fair credit reporting act ( FCRA ), XXXX XXXX XXXX, which mandates a reasonable investigation of all disputes. Furthermore, XXXX, XXXX 's, and Transunion`s actions may also contravene the consumer Financial Protection Act ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the XXXX recent administrative proceeding ( file no. XXXX ) against them for similar violations, I request that the cfpb take action to ensure XXXX, XXXX, and Transunion complies with federal law and provide customers with the necessary proof of investigation 's. 

THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these different company making wrong report on my credit. Most of these company I do not know and some are predatory. Example is the XXXX XXXX with account number XXXX {$840.00} this company I do not own anything. This company was a predator. I took them to court and I got a judgment in my favor and they still went ahead and make a report on my credit. 
Affirm I do not own them anything XXXX XXXX I do not know XXXX I own nothing. XXXX XXXX XXXX XXXX is with accounts XXXX {$11000.00} they are wrong
Product: Student loan

I have a student loan with Discover bank, for which I received a disclosure letter on XXXX total disbursement based on disclosure was {$68000.00}. In the letter, the committed margin on my loan was noted as " fixed at XXXX % and was set based on credit evaluation at the time of application. '' However, upon checking, I found that the bank has been charging me a margin of XXXX %. 

I brought this to the attention of the bank via toll free number. I've been waiting for a resolution since then. I was told on my calls that margin is subject to change ( The agent later backtracked upon questioning ). I was promised multiple times that I would get a call back within 2-3 working days- which never happened. 

I have multiple attempts to reach the bank to get updates/find a resolution/ follow up on the issue, here are the dates/records ( XXXX ) : XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FTC Identity Theft Affidavit Example Text : I am filing this FTC Identity Theft Affidavit to report fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries have affected my life have resulted in several fraudulent hard inquiries and appearing on my consumer FICO credit report. XXXX XXXX XXXX {$9300.00} opened XXXX I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies XXXX, XXXX, Equifax What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, XXXX, Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX ( a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. ) is not delivering my monthly Lease Statements by mail. I have called their customer service number at least five months in a row ( most recently speaking with XXXX in the " Executive Office '' ), and they still have not resolved the problem. I have received other mail from XXXX XXXX, but not my monthly Lease Statements. Each time I speak with them, they say they have resolved the problem, but that is never correct, as I still have not received my monthly Lease Statements by mail.
Product: Debt collection

On XX/XX/2018 I received an email from XXXX XXXX stating an account was added to my credit report in collections by Douglas Chancellor Meyer for the amount of {$520.00} and the open date is XX/XX/2018. The original creditor XXXX XXXX XXXX is not even on my credit report. I have not applied for any loans in years nor is there a hard inquiry for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im Accordance with the fair credit reporting act XXXX  account # XXXX Has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency cannont Furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an opening consumer credit plan as late for any purpose.
Product: Checking or savings account

I got scammed last month when I had to deposit a fraud check into my account and cash out the rest of it. A few days to the next week, I saw my checking account for Wells Fargo turned into a negative balance in which I did not do. When I checked the transaction, it said returned item unpaid which said {$5700.00}. I filed a claim to Wells Fargo, waited 10 business days and it got declined, so they were not able to reimburse me with this situation. Right now, my bank account is overdrawn by - {$2900.00} after my last direct deposit from bank went through when I got paid at my job. I also made a police report and called around for a lawyer and I never gotten refunded. How do I resolve this issue? Because I am really tight on money.
Product: Debt collection

On or around XXXX 2017, an erroneous medical collections appeared on my credit reports from Capio Partners. They are now the 3rd or 4th company that has attempted to re-age and re-report this debt that does not belong to me.

The reason I am contacting CFPB is because : NO CONTRACT/INVALID CONTRACT/HIPAA VIOLATIONS/FDCPA VIOLATIONS/DEBT RE-AGING/INVALID INFORMATION I have not received any paperwork from Capio Partners. Instead, I have received harassing phone calls. I have attempted numerous times when they have called me to ask for debt validation and also asked them to stop calling me. I still have been receiving harassing phone calls. I still have received NO paperwork or debt validation from Capio Partners, showing that I signed any contract with their company. 

This violates my consumer rights under the FDCPA. I have been keeping track and they have violated my rights over 10 times -- according to the FDCPA, I am entitled to {$1000.00} per violation, should I decide to pursue my legal options.

Additionally, IF Capio Partners were to produce ANY paperwork related to this supposed medical debt, they would also be in violation of HIPAA patient privacy laws. I have never had a contract with Capio Partners in the past, present or future and never authorized or gave my expressed consent to give them access to any and all medical records, which are not limited to and also include medical billing statement for myself or any dependents in the past, present or future. I do NOT have any contracts with Capio Parnters.

They are in clear violation of the FDCPA and HIPAA.

I am requesting that they : 1 ) Immediately cease and desist from all collection attempts on this account, now and in the future, including but not limited to ceasing and desisting from re-selling or re-aging this debt to another company 2 ) Immediately remove this account from all of my credit bureaus and reports, namely XXXX, XXXX  and XXXX  now and cease and desist from any and all attempts to place it back on there in the future If my request is not immediately complied with, I will be contacting an attorney to pursue my legal options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XXXX XXXX XXXX and XX/XX/XXXX. The companies responded saying that they will conduct an investigation. Some of the fraudulent items got removed, some are still reporting on my credit report. I submitted a complaint again last XX/XX/XXXX and XX/XX/XXXX but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. These accounts are not MINE.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft. I am writing to invoke my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B, which provides for the blocking of information resulting from identity theft. As a victim of identity theft, I am requesting the removal of all negative information on my credit report that is the result of this criminal activity. The following accounts and associated negative information have been fraudulently reported and are directly linked to the identity theft I have experienced. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX was told to remove info. they passed the buck onto experian. experian refuses to budge. 

FCRA- " NEW '' accounts need verification. My accounts are hardly new. In fact over XXXX  years old. request for info to update database based on my blood type etc. is HEREBY DENIED. 

EACH AND EVERY REPORT GIVEN has not had the demanded dispute letters, emails, etc. I have not gotten phone recordings, etc. PUSH BUTTON mechanics. NOTHING RESOLVED. I AM ESCALATING CLAIM. 

NOTHING IS GETTING REMOVED. I SAID TO SUPPRESS THE INFO. I SAID I DIDNT WANT MY INFO STOLEN. NOBODY GIVES A FLYING XXXX. EVEN if addresses are OVER TEN YEARS OLD. INFO SHOULD NOT BE ON MY FILES ANYWHERE. FILES SHOULD NEVER BE CONNECTED to the internet ( EQ ). 

I DENY any right to waive lawsuit. I INSIST ON SUING for damages due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX card company, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I was looking my credit score on XX/XX/XXXX and noticed a few things were inaccurate and never authorized by me. The following hard inquires I never gave anyone authorization to run my credit. It is to my understanding to the car dealership did it without my approval or knowledge. All I know is I have no knowledge of the following and want it removed from my report. I am asking for the following items to be removed off my credit report on equifax and any other credit reporting agency company showing this fraudulent/not accurate information which includes the following XXXXXX/XX/XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXXl XX/XX/XXXX. I will also attach a picture showing what is coming up on my credit report so you guys see it as well.
Product: Student loan

In XX/XX/XXXX, my wife and I obtained a loan from First Republic Bank to refinance {$170000.00} in student loans. We have made every monthly payment on time and in full since the origination of the loan. Two months ago, in XX/XX/XXXX, First Republic Bank began reporting the loan to consumer credit agencies. However, they only listed the most recent monthly payments ( XX/XX/XXXX and XX/XX/XXXX ) as on time despite the fact that there have been 30 months of on time payments. No data is reported for all payments prior to XX/XX/XXXX. 

I asked First Republic Bank to update the credit reporting with the complete payment history of our loan, and they replied that " the system/process wasn't in place to make sure that we were fairly and consistently applying reporting. '' The bank refuses to update my credit report to reflect the long history of on time payments.
Product: Mortgage

We had a fradugulent modification with XXXX  back in XXXX they then had us sign a new mortgage with them they bascially had there hands slapped like other mortgage companies and t away with it now XXXX  back in XXXX sold our loan o Rushmore loan management and they have increased out mortgage by XXXX dollars a month by stating a new escrolled with taxes even after XXXX just did this in XX/XX/XXXX which they had our new taxes why do mortgage companies get away with this not suppose to change the contract and now we cant even delete our insurance off escrow because of the contract we signed with XXXX  why should the consumer have to pay for this please help us this doesnt seem right
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX and I am contacting you according XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX fraud account. XXXX XXXX XXXX XXXX XXXX many times wrote me that according XXXX  Reference # XXXX account XXXX XXXX XXXX XXXX XXXX terminated collection efforts on the debt and requested the credit bureaus delete their tradeline on XX/XX/XXXX. Previously I requested to send me official deletion letter of fraud account from my name to use it for dispute and further removal of XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX from my Experian credit report. 
XXXX XXXX XXXX XXXX XXXX just responded XXXX XXXX XXXX XXXX XXXX, can not control another company 's reporting practices. 
Ok, maybe it is Experian 's problem. 
I am requesting to send me just official statement that XXXX XXXX XXXX XXXX XXXX removed account from my name. Nothing more. The letter can be mailed to my current address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to refinance my car loan with XXXX XXXX XXXX XXXX. 
I already have a car loan with this company and figure that it would be easy to refinance with XXXX XXXX XXXX. 
After applying over the phone I did not hear from them for over 2 weeks when I Had to call them to find out status of my application. 
After waiting 45 minutes and talking to 3 reps who did not what was going on, I then receive a letter stating that my application had been denied. 
The reasons stated were that my score was low ( XXXX ) when in fact my score is XXXX. 
Also to many inquiries .which make no sense because I only had my credit report pulled several months in the past Year. & I  believe that XXXX XXXX XXXX discriminated and used the lowest score possible to deny my application. 
I would like to know what remedy I have to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response from XXXX XXXX and I am not satisfied with the response from XXXX XXXX. XXXX XXXX denied my request to remove a 30 day past due on my credit report. I attempted to make a payment using my phone and I thought the payment went through to my knowledge but it didnt as I later found out. XXXX XXXX website has been down multiple times over the past couple years and I believe this was the source of the problem. When I finally found the error in nonpayment - I posted a payment that was I believe 31 days late and I paid the current bill. I recently changed my cell phone and XXXX XXXX was unable to reach me to notify my of the late payment. XXXX XXXX is purposely trying to keep this damaging information on my credit report when I was only 31 days past due. 

XXXX XXXX is not being truthful when it states the customer has received two invoices to advise of the account 's need for payment. No late payment notices or invoices were sent to my current or previous address. I have never been 30 days past due on any of my previous payments to XXXX XXXX in the past 4 years nor have I been late on any bills for the past 10 years. It is disheartening to learn XXXX XXXX has such a hardline attitude towards the circumstances of my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act. The list of accounts has violated my federally protected consumer right to privacy and confidentially under 15 USC1681. 
1 ) XXXX  XXXX # XXXX 2 ) XXXX # XXXX 3 ) XXXX XXXX # XXXX 4 ) XXXX XXXX XXXX # XXXX 5 ) XXXX XXXX  # XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXXXXXX 8 ) XXXX XXXX XXXX XXXX  XXXX 9 ) XXXX XXXX # XXXX 10 ) XXXX XXXX XXXX XXXX 11 ) XXXX XXXXXXXX # XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX XXXX  XXXX 14 XXXX XXXX XXXX XXXX # XXXX 15 ) XXXX XXXXXXXX XXXX # XXXX 16 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A States I have the rights 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 following items of information 's, any other adverse item of information, other than records of conviction of crime 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 reporting agency if the person knows or has reasonable causes to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute regarding the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
Product: Credit card or prepaid card

This is my THIRD complaint regarding Paypal/Synchrony Bank. It appears they have straightened out the {$170.00} error but my monthly payment is still incorrect. My monthly payment should only be {$110.00} per my statement/Easy Payment Purchases yet I continue to be charged {$140.00}. This is the FOURTH MONTH in a row that I am bring overcharged!!! I have called and left messages and no one is returning my calls to get this matter taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the US Small Business Administration pulled a credit report using my personal information for a loan that I did not apply for. I contacted SBA onXX/XX/XXXX and discussed with the fraud department. SBA indicated that loan application number ending in XXXX for {$35000.00} was canceled. I was instructed to e-mail XXXX to request a copy of the loan application and disposition. I e-mailed onXX/XX/XXXX and have had no reply. I was given no other confirming information from SBA other than the verbal information.