23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I purchased a home owners warranty in XXXX 2015 when I bought my home. I had a plumbing issue, a plumber from the warranty company came out and the man was so rude to my wife and inappropriate and kept telling her why he could not fix the problem my wife asked him to leave the home. he slammed the storm door in her face. She called the warranty company as well as the plumbing company and complained. We hired our own plumber to come in and repair the issue ( bill attached ) which we paid. XXXX XXXX still sent me a bill for the plumber they sent who was asked to leave. Every time they sent the bill I sent it back with an explanation. Now it has been referred to a collections company.
Product: Checking or savings account

Last summer, XXXX XXXX XXXX XXXX decided to merge with Pentagon Federal Credit Union. Very little ( less than 3 days ) notice was given to members of a meeting that a vote was to take place. At the meeting, ballots were destroyed by staff at the end and the vote was obviously a foregone conclusion. Members were enticed to vote for the merge by a promise of a credit to their Share account ( which at the required {$5.00} amounted to less than a nickel ). The leadership of XXXX received extremely generous payouts for the merger ( hundreds of thousands of dollars ). Regardless, the merger went through. Pentagon went on to pay lower rates on some products ( i.e., they did not honor XXXX 's rates ), bought the most expensive piece of real estate in XXXX XXXX for new headquarters, and hired the top lobbyist with the XXXX XXXX XXXX and a former critic of the bank bailout as its government lobbyist ( both questionable hires and for considerable sums ). Last week our business received an email that PenFed would be closing all business accounts in XXXX. We have been members for over 20 years and this poses a business hardship.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

Clarity services reports has inaccurate information about my address. Its showing various address for me on the reports and this is not correct. Am requestiing proof and statement where it shows that those address only except the one I am sending documents are my address if not provided I am demanding that this be updated to my correct and only address. There are screenshot of supporting documents showing my correct and only address that should be reporting on any reporting agencys
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the car dealership, they said I'll only have one hard inquiry but I ended up having many hard inquiries. 

XXXX XXXX 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: Mortgage

On XX/XX/XXXX I refinanced my home with XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX since then the loan was transferred to XXXX XXXXXXXX XXXX until XXXX of XXXX which it was then transferred to Select Portfolio Servicing, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX. In XXXX of XXXX I received documents from SPS which referenced a deferred Principal amount of {$16000.00}. I inquired twice about this information only to receive a document that didn't reference the issue at all. I have never been informed of any " deferred principal '' or of any documents that I have signed. I am currently in the process of Filing a Bankruptcy Chapter XXXX to protect my home as it is my primary residence and this " deferred principal '' is causing additionally financial hardships. I believe this issue to fall under the umbrella of predatory lending practices and am requesting that it be investigated. Thank you,
Product: Checking or savings account

I believe it was in 2017 but I had deposited a check into my Wells Fargo account that was marked as fraudulent, though it was a certified check. I was charged fees, they froze my account and then arbitrarily closed it. A short time after they called to say they made an error and I could reopen the account but they wouldnt refund any of the lost money. I had already opened a new account and never wanted to do business with WF again. It caused me financial strain and much embarrassment in trying to explain to my creditors why their payments were returned. I was assessed fees by both the bank and the creditors who returned my payments due to the frozen, then closed account.
Product: Credit card or prepaid card

I have a long standing credit card account with JP Morgan Chase. The card had a fixed APR for over a decade that changed to a variable APR without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bought a vehicle at XXXX XXXX on XXXX XXXX XXXX XXXX a XXXX loan which got XXXX add to it plus the Lobel Financial Company in XXXX XXXX XXXX, they are local people who commit Fuard with other people and scaming consumer credit points, my account with invading my privacy as consumer citizen. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with plus they fuardlu get me pull over almost every month for no reason XXXX XX/XX/2022. 
Put down a XXXX. 
XXXX payment XXXX Missed a payment in XXXX due car broken down XXXX car problems XXXX. XXXX second payment XXXX payment I made several complaints since the car broken due to app. Which cause the car thermostat explosion on and overheat and illegal internet hook in the truck vehicle which is why I surrender the vehicle.XXXX  call to complain Warranty which was Fuard and charge addition XXXX to loan, about how the car brakes, oil change and truck don't lock broken, tires need replacement. 
How there's a gps tracker and the bank or the dealer is putting my life in danger and sending people to stock me and harrass me and start problems Car had huge gas sucker XXXX in one day The car lights didn't work. The back brakes light kept going out. The car only came with push start no key to open door On XX/XX/XXXX tow yard pick up car and didn't wan to give any information about car They said XXXX will get the car so I went XXXX and tow yard and when I got to tow yard the car didn't start and once again the car was broken down N it was same problem as before I only had car 4 months headache This car got scratched the first month I bought then I experience no help with insurance company and made several complaint to insurance Nhow this ruin my reputable cause me trouble ruin my credit N causing problems The job and car loan and dealer. Are all in the same area and they all working against.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card company is stating I made a late payment and that is not the case. There were two months in 2018 when my payments were returned by them and I had made the payments with a new bank account. They said they didn't receive but the monies showed withdrawn from my checking account and were scheduled automatic payments.
Product: Debt collection

MAS telephoned a neighbor of mine regarding an old medical debt that my daughter has. It is not even my debt. I believe this is completely illegal. The representative from MAS was a XXXX XXXX.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or resolve the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

TCF Bank has charged me fraudulent NSF fees on my account. They claim that these fees were warranted because the account had insufficient funds. This is not true. The following transpired. 

On XX/XX/2021 there was a POSITIVE balance of : {$520.00} I then used my TCF Debit card ( 3 ) times that day for the following : {$29.00} Bal = {$490.00} {$12.00} Bal = {$480.00} {$8.00} Bal = {$470.00} Then, THE SAME DAY, XX/XX/2021 TCF claimed that there were not enough funds in the account and charged me ( 3 ) {$37.00} NSF Fees. Which resulted in a positive balance of {$360.00} I called TCF customer service, and they were no help. They did refund me {$56.00} of the NSF fees. However, NONE of those fees should have been charged. I then complained to the XXXX, and TCF claims that the fees are accurate. The fees ARE NOT accurate, because there were in fact funds in the account to cover those ( 3 ) transactions. TCF just settled with the government for their illegal fee charging. But it seems that they have not stopped doing it. 

I have attached documents which clearly show that there was enough money in the account at the time to cover these debits. Even if there was a " pending '' transaction, that transaction would not have posted, and therefore no NSF fee should have been incurred.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Re : Notice of Dispute Dear CFPB, I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX XXXX Delete this account because you are inaccurately reporting ( I ATTACHED MY CREDIT REPORT ) XXXX - Delete this account because you are inaccurately reporting ( I ATTACHED MY CREDIT REPORT ) You have 30 days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute the accuracy of a collection account that appears on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and the removal of this account if it can not be verified as 100 % accurate and compliant with federal consumer laws.

The account in question is as follows : Creditor/Collection Agency Name : Midland Credit Management Account XXXX : XXXX Date Reported : XX/XX/year> Under the FCRA ( 15 U.S.C. 1681 ), all information reported to credit bureaus must be completely accurate, verifiable, and fair. If the furnisher of this information can not provide documented proof that this debt is valid, belongs to me, and was reported in strict compliance with all relevant laws, then it must be permanently deleted from my credit report. 

Furthermore, I request that you provide : 1. Evidence that this debt is legally enforceable, including the original signed contract.

2. Proof that the entity reporting this debt has the legal right to collect it.

3. Documentation showing that this account has been reported with complete accuracy.

If you are unable to provide the requested documentation within the 30-day investigation period, you are legally required to delete this account from my credit profile under FCRA guidelines XXXX 

Please send me written confirmation of the results of your investigation. If this account is not removed, I demand a detailed explanation and all supporting documents used to verify its legitimacy. 

Thank you for your prompt attention to this matter. I expect a resolution within the timeframe mandated by law.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX XXXX  - XX/XX/2024 XXXX. XXXX XXXX - XX/XX/XXXX XXXX
Product: Checking or savings account

Wells Fargo cancelled my debit card, because of a fraudulent charge, so I was waiting for the new replacement debit card for almost XXXX weeks, in the meantime I wasn't able to make a deposit for an automatic payment that went through, a small amount. - I called Wells Fargo a couple of times, and I even talked to a supervisor, but they denied reversing the {$35.00} Wells Fargo Overdraft fee. - This was last month- This month on XX/XX/year> I have a second overdraft fee for {$35.00} from Wells Fargo for another automatic payment for {$13.00} that went through. I made a deposit for {$15.00} on XX/XX/year> to cover the {$13.00}, but still I received another {$35.00} overdraft fees from Wells Fargo. - I called Wells Fargo today, but again, they refused reversing the second {$35.00} bank charge for overdraft fees. 

I really can not afford these bank charges from Wells Fargo. I'm currently facing a personal financial situation right now, barely making ends paycheck by paycheck. 

Please help- Thank you kindly, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$XXXX} PER VIOLATION AND LEGAL ACTION
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 USC 1681. 

Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I noticed a collections on my credit report in XXXX from XXXX XXXX XXXX that had been on my report for a while. I thought it was a medical collections so I attempted to call the agency. The gentleman I spoke with stated it was for a timeshare I purchased in XXXX or XXXX. I explained to him that I had not purchased a timeshare it was my husbands and I am just an added account holder. I even explained to him that we were not married until XXXX when he told me my signature was on some paperwork he had. He said we both are on the paperwork. I told him if this was true why isnt the debt also showing on my husbands report and only on mine. I explained that this debt is not in any other credit reporting agencies and it did not belong to me. I also called our timeshare who stated that my husband has maintenance fee that are past due but no account is closed. I tried to inform the collation agency that there was no account closed so nothing should be in collections. Since then they have increased the debt monthly and what was around XXXX for about 3 years with no movement have increased to XXXX. The gentleman did threaten to start increasing the debt when i called and said it will never stop increasing although i explained to him it was not my debt.
Product: Checking or savings account

Bank of America closed my account, and held the remaining balance I had in the account, I have called multiple times and the reason they closed my account is given as " It a relationship of two and we let you go, the reason for holding the money is under investigation '' Its been a year or so under investigation.
Product: Debt collection

Midland FundOriginal balance [? ] $ XXXXCurrent balance [? ] $ XXXXDate assigned [? ] XX/XX/2011Original lender [? ] XXXX Bank Nevada XXXX XXXXAccount number [? ] XXXXAccount holder [? ] Co-makerAccount descriptions [? ] Placed for collectionhas been putting this account on my credit report for over the past 10 years now i would disputer it and two years later if would be back on my report.
Product: Credit card or prepaid card

Citibank not pay the merchant. 
I would like to see the responses made by the merchant. 
I would like to be informed why Citibank decided in favor of the merchant Citibank resolved the issue two days after I filed a complaint on the site. Prior to that, it claimed that the issue was still being reviewed and two days later, all of a sudden, they resolved it in favor of the merchant. I had been attempting to get them on the phone but each time, i was disconnected. I sent messages and got no response. When I looked on the site for messages, there was none. But at the top left corner of the billing statement, there was a message saying that the issue is still being reviewed. I sent them a big packet of documents and photos of the issues I had referenced to. I doubt they even looked at it. I feel that the decision is unfair and I would like the dispute reopened. The bank did not inform me of the merchant 's response nor did they even acknowledge that they received the documents I sent. 

To me, the money involved is a lot of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX/XXXX  - partial account number XXXX. ( Please see pages 43 and 44 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card

Ive tried asking for help with different programs that were supposed to cancel my remaining debt with them after I completed the necessary payments. They never canceled my remaining debt. Then I tried asking after they went back on their word to get help with waiving my late fees because Im trying to pay them back, so I can live again, but they just want to XXXX XXXX XXXX  like with everyone else they do dirty. Every time I try asking for help too, they try to shut my app down, so I will stop asking for assistance. They dont really care about their patrons no matter how long youve been with them, and the fact that this is my first time been this late and over my balance, and Ive tried asking for help long before it got this bad. I even tried to get a personal loan to pay them back and consolidate my debt, but nope. They purposely deny me even that right.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection, dissemination, and use of consumer credit information. It doesn't have a specific " code '' for reporting on your credit report without permission, but it does outline certain protections. Key provisions related to reporting without permission include : Permissible Purpose ( 15 U.S.C. 1681b ) : This section states that consumer reporting agencies can only provide your credit report for specific purposes, like when a lender is considering a credit application or when a potential employer performs a background check ( with your consent ). Unauthorized Access and Reporting : Under the FCRA, if someone obtains or reports your credit information without a valid reason ( known as " impermissible purpose '' ), this is a violation of the law. If your credit information is accessed or reported without your permission, you can file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or potentially take legal action against the party in violation.