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

I am currently in the process of purchasing a home. On Saturday, XX/XX/XXXX, XXXX XXXX withdrew {$7000.00} from my HSBC XXXX Checking Account ( last XXXX XXXX ) for the deposit on my new home. On Monday, XX/XX/XXXX, I wrote a check to myself from my XXXX XXXX XXXX XXXX Checking Account ( last four XXXX ) for {$9000.00} to deposit into my HSBC XXXX Checking Account ( last four XXXX ) to replace the funds that were withdrawn for my home deposit and to cover any upcoming expenses that I may have in the home process. On Tuesday, XX/XX/XXXX, I attempted to log in to my HSBC XXXX Checking Account ( last four XXXX ) through my mobile phone. I was denied access as the page stated " Account Suspended. '' I contacted HSBC fraud services, and I was told that the check that I wrote to myself for flagged for fraud. I was then told that until my bank verified the funds that I would not have access to my HSBC XXXX Checking Account ( last four XXXX ). I offered to three way the bank. That was denied. I offered to send in proof of funds. That was, also, denied. I then placed a stop payment on the check as I did not want those funds to go into my HSBC XXXX Checking Account ( last four XXXX ) and become frozen. On XX/XX/XXXX, I called HSBC fraud services and told them that I have stopped payment on the check and what verification do I need to have my HSBC XXXX Checking Account ( last four XXXX ) unfrozen. I was told that there is nothing that I can do to prove that the funds are and were in my account on the day that I attempted the mobile deposit for {$9000.00}. On XX/XX/XXXX, I called into XXXXSBC fraud services because I was unable to stop my payroll direct deposit from being submitted into my HSBC XXXX Checking Account ( last four XXXX ). I asked what I would be able to do to access my verifiable payroll direct deposit, I was told that I could go to a local branch -- of which there are none within a XXXX mile radius of home -- and they may let me access my funds. HSBC refuses my access to verified funds that are not fraudulent and from a Fortune 150 corporation because their computer system found it odd that I would be conducting financial transactions from my HSBC XXXX Checking Account ( last four XXXX ).
Product: Debt collection

This is regards to Spire recovery solutions. I have asked him for a debt validation letter on different occasions each time Im told that they dont send out letters. They just told me over the phone about my debt. Then with communication they have reached out to all of my in-laws called multiple times a day left voicemails in which the women on the phone basically called me a liar stating that they have not called multiple times a day. However my in-laws have voicemails and have called me stating that this company has called looking for me and where I live and information about me. Also called my number multiple times a day I have repeatedly told them to not call anybody but myself in regards to anything that they believe I owe. It has not stopped. I want it all communication through Mail which they have not done they continue to call and text me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX. 
My DOB XXXX SS # XXXX. I need to update my employer XXXX XXXX IS MY CURRENT AND ONLY JOB. PLEASE DELETE THESE EMPLOYERS NOT MINES : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX. 
I had some issues with my ID being compromised and I need to file a complaint to have these addresses deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX WAY, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit card or prepaid card

Under the terms of my credit card, a minimum payment was due due on the XXXX of each month. I arranged for a payment on XXXX XX/XX/2020, satisfying this requirement. On XXXX XX/XX/2020, I made a second payment ( well above the minimum payment due ) to the account, as I was unsure of whether I would be able to make a payment on or about XXXX XXXX. Thus, I made an early payment for the bill due on XXXX XXXX. When I attempted to use my card on XXXX XX/XX/2020 for a purchase, I learned it was declined. Upon logging in to my account on XXXX XXXX, I learned that I was considered delinquent for not paying my bill on XXXX XXXX, and further a USD {$29.00} " late fee '' was assessed. I contacted Citibank Mastercard to dispute this fee. I spoke with an individual representative ( who sounded to be operating from an overseas call center in XXXX XXXX and explained this dispute. She attempted to resolve the issue, but then indicated that only her supervisor could resolve it. When I spoke to her supervisor, I indicated that this fee was not lawful and that I would be seeking remedies under U.S. Fair Credit Reporting and Consumer Protection Laws unless Citibank resolved the issue. At that point, the supervisor terminated the call.
Product: Credit reporting or other personal consumer reports

According to the equitable Credit Reporting Act ( 15 U.S. Code 1681 ) : ( 1 ) Accurate and equitable credit reporting is essential for the functioning of the banking system. The integrity of the banking system is directly compromised when inaccurate credit reports are utilized, and unjust credit reporting practices erode public confidence, which is vital to the system 's continued operation. 

Consequently, any violation of the FCRA has a detrimental impact on the operational effectiveness of the banking system. This constitutes a breach of my privacy regarding my consumer report, as I have the ability to determine which information is included and which is excluded. Reporting any accounts without obtaining my written assent constitutes an act of identity theft.

Both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 are violated by this. This results in civil liability for negligent and willful noncompliance with 15 U.S. Code 1681n against the credit reporting agency for accounts listed without my express written consent. The penalty for each violation is {$1000.00}.
Product: Debt collection

I noticed collection activity on my credit report for IQ DATA INTERNATIONAL not once but XXXX times. I attempted to dispute the debt and asked for validation of these accounts. The only thing I received was a bill from XXXX XXXX  which will not suffice as a contract of proper validation. I have no knowledge of these debts from XXXX XXXX, The XXXX  or XXXX XXXX. I have already filed an identity theft report. I have records of my social security number being breach and I have reported identity theft in the past. Please assist in removal of these unauthorized accounts as they reflect negatively on my credit report.
Product: Checking or savings account

When I told Wells Fargo I wanted to close my account, a few weeks ago, they told me I had to have a XXXX balance. Thats not easy to do without over drafting. I ended up over drafting and they say I owe over {$1000.00} because I over drafted. I kept getting charged overdraft fees especially in the last few months for every single bill, especially my payday loans and other creditors I owe, and that didnt help me get in good standing with any of them. To this day, I struggle to pay back what I owe because of Wells Fargo refusing to close my account and constantly charging overdraft fees for every transaction.
Product: Mortgage

On XX/XX/XXXX I received a notice from Mr. Cooper,  who had taken over my mortgage loan # XXXX from Nationstar that I owed an escrow balance of {$2500.00}. Upon calling, ( and being switched to numerous agents ), I was told that this was due to homeowners insurance escrow. I have never paid my homeowners through my mortgage. I was told they had 30 days to research this. I just received a letter, datedXX/XX/XXXX, stating " as per my refinance on XX/XX/XXXX with XXXX, the insurance is automatically added when a refinance is done. That may have been but it was quickly removed. When Nationstar took over the mortgage, they added it and once I called, they removed it. Now I have spoken to numerous agents who misdirected my call, gave me a wrong # XXXX and hung up on me. 
I tried again today and spoke with, XXXX, XXXX, XXXX and finally supervisor, XXXX # XXXX XXXX, who informed me that before they can remove the homeowners, which was not there when they took over, I have to pay them what they are saying is in arrears. I have spoken with XXXX at my homeowners insurance co. and they are currently paid in full until XX/XX/XXXX. This is a travesty. Does the consumer no longer have any rights in the banking world. Why should I need to come up with over {$2000.00} for a mistake that they made? Is it the law that banks can buy your mortgage and revert back to an error and the consumer has to pay for it? Please help me.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report recently and found a bankruptcy and am requesting you reinvestigation. XXXX, Transunion XXXX and XXXX all say they information was verified. i contacted the clerk of court and they told me that they don't verified any personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I have been trying to dispute a charge for my payment of XX/XX/XXXX. I scheduled the payment to be withdrawn from my account. On XX/XX/XXXX, XXXX XXXX XXXX has withdrawn {$680.00} from my checking account. On XX/XX/XXXX, I get a call from Ally saying my payments did not go through and I have statements from my account proving that the payment was successful. How do I go back getting this resolve so it would not effect my credit score and account. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX Phone : XXXX, eMail : XXXXXXXXXXXX Date : XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I have approached Credit Reporting Agencies multiple times to correct the erroneously entered data such as delinquent, default, charged off, collection account etc. from my Credit file with them. Credit Reporting Agencies are refusing to remove the incorrect data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, affecting availability of credit from Financial Institutions. 

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months Transunion sends me emails stating that I will be receiving instructions on how to change password and access my Transunion account. Transunion has no0t done so and is violating federal laws by blocking access to my Fico score and credit reporting information. In addition, Transunion is not actively, or sufficiently investigating disputed accounts when evidence is provided to them when forced to dispute using third party services as Transunion has continued to block access and to my account and lie about attempting to give me access to my account that they have blocked me for several months/years!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that are 100 % incorrect from Experian. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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

I am uploading a letter I received from transunion on XX/XX/2019. I have made it very clear that the account I am disputing XXXX  XXXX XXXX has fraudulent activity on it. I explained in depth that I did not make these fraudulent charges and I want this account removed off my transunion credit report. I cant be more specific as I am. That account has fraudulent charges and I should not be held responsible. I reported this years ago to XXXX  XXXX XXXX when I lost the card. I was told back then that I would not be responsible for those charges. Well years later its still reporting on my credit report which is causing me a hardship in obtaining substantial credit. Transunion is playing games and I am submitting this complaint on them because I already specified in detail. Not responsible fraudulent charges please remove off report like XXXX  did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two dispute letter to Equifax credit bureau showing my name, address, ss #, and job information.They keep sending me this stall letter saying that were unable to locate a credit file in there database with the information I provide.I sent them everything they need for them to assist me.So, I need your help now in this situation.Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report. They said that they did and everything was accurate. However when I went over it myself and did my own research I found a host of inaccuracies and inconsistencies on my report. The following accounts which have been disputed multiple times since XX/XX/XXXX until the most recent XXXX or XXXX letter at this point cent via certified mail on XX/XX/XXXX, I have even called XXXX and been told they never received a dispute when I disputed said account XX/XX/XXXX online via there website. I was then told I don't have an account with them and asked if I was sure it was them. I have received stall letters instead of compliance. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX In accordance with the fair credit reporting act the account numbers above has violated my rights. 15 US C 1681 section 602 A states that I have a right to privacy.

15 USC 1681, section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. Which I did not provide for the above mentioned accounts.

In addition to the violations above pursuant 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or UnveriUnderfiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete
Product: Mortgage

See the attached document. 

Despite providing proof of insurance, escrow payments were taken from our account. It took over 6 months to rectify this situation. 

See previous complaint : XXXX which was dismissed as I was not on the account at the time. This has now been corrected.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I request an immediate investigation into all erroneous entries and demand their removal if they can not be fully verified with proper documentation. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against your organization for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Legal Compliance Notice : Pursuant to FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], credit bureaus must reinvestigate these disputed items within 30 days and provide written notice of the results. If the information can not be verified with original creditor documentation, it must be removed from my credit report. 

Additionally, under FCRA 611 ( a ) ( 6 ) & ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 6 ) - ( 7 ) ], if any disputed item is modified or deleted, I request an updated copy of my credit report reflecting these changes. Per FCRA 612 [ 15 U.S.C. 1681j ], this updated report should be provided at no cost to me.

Failure to comply with these legal obligations may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals office for non-compliance with the FCRA. 

I appreciate your prompt attention to this matter and look forward to receiving written confirmation of your findings and actions taken. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This company continues to violate my consumer right with a debt they bought an claiming that I owe them money and reporting inaccurate information to my credit file. The image below will show u the details.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a text message from our bank, Chase, alerting us there had been suspicious activity on our debit card and they were placing a hold on it. I unfortunately clicked the link that was provided and gave some personal information including husband 's ss number and mother 's maiden name. At this moment, I felt something was wrong and exited out of the text without forwarding it. Come to find out, this was a FRAUDULENT text. 
On XX/XX/2023, an unauthorized party hacked into our bank account and made a fraudulent wire transfer of {$50000.00}. They also moved {$110000.00} from our savings account to our checking account. We immediately contacted our bank, Chase and had the account frozen. I questioned the lady I spoke with ( XXXX XXXX & asked why we were never alerted to this enormous wire transfer either by text, phone call, XXXX mail. She could not answer that, only agreeing that she did see that yes, we were NOT alerted. Also, she told me that there were two attempts to make this fraudulent wire transfer. The first attempt was DECLINED. Apparently someone recognized this as fraudulent. The unauthorized party tried a second attempt and Chase let it go through. We went to the local branch, explained the situation and reopened another account. Between XX/XX/XXXX to this date, XX/XX/2023, I have spent hours upon hours acquiring every bit of information, forms, Forgery Declarations for the bank and numerous trips to the local branch. A police report was filed on XX/XX/2023 & Detective XXXX with the XXXX XXXX, AZ Police XXXX. has been in touch & informed me he is currently going to subpeona the bank for records. XX/XX/2023, Chase sent us a letter stating they are denying our claim stating " we did not take appropriate steps to protect our account ''. There was no notice of consumers right to request documents to see what they relied on to make their determination, no other explanation. ( They said we should set up alerts, but we had alerts on as we have XXXX debits from that account to pay bills and every month when something is withdrawn I received an email alerting me. ) This denial letter was dated XX/XX/XXXX, even BEFORE Chase had all the documentation that they required from us including a XXXX XXXX XXXX. Not only have we been to our local branch at least four times, I have spoken with : the Fraud Dept., the Recovery Team, the Investigation Team, the Claims Dept., the Escalation Dept. and the Fraud Online Claims Dept. I am transferred around, put on hold for hours and then disconnected. We are presently filing this claim with your organization and have already filed a complaint and affidavit with the FTC. Today, XX/XX/2023, we are seeking an attorney. We are also filing a report with the FBI. Chase Bank has given us a complete runaround. They are suppose to protect their customers but instead put the blame back on the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a FTC report with inquiries I did not authorize and I do not recognize. Please remove from my report
Product: Student loan

My old loan servicer was XXXX, they transferred my loans to Nelnet on XX/XX/XXXX. 

Before the loans were transferred to Nelnet, I was on the REPAYE payment plan, my income was below a certain threshold, and my monthly payments were set a {$0.00}. 

Through XXXX, I opted out of the covid XXXX pandemic payment pause/forbearance program when the federal government announced the program in XXXX. The first attachment is a bill from XXXX to prove that I was being billed monthly, and opted out of the pandemic payment pause. I opted out because my payments were $ XXXX and I am working towards loan forgiveness after a certain number of satisfactory payments have been recorded. I wanted to opt out the pandemic payment pause so that my payments would continue to accrue towards my loan forgiveness. 

On XX/XX/XXXX, Nelnet took over as my loan servicer. They REMOVED my opt out request previously made with XXXX, and they also REMOVED the satisfactory monthly payments made to XXXX during the pandemic payment pause that I had opted out of. I believe this is illegal. They certainly don't have the right to remove payments that made progress towards my loans ' forgiveness, regardless of the monthly payment amount. 

I contacted Nelnet over 3 times in writing asking them to amend and fix this matter. They have refused to complete my request. They did, however, finally, after the third complaint email, put my loans back into the opt out ( of the pandemic payment pause ) status, and my payments have resumed at $ XXXX. 

I have asked Nelnet to amend my account to reflect that I made satifactory payments THROUGHOUT the entire pandemic payment pause, including the satisfatory payments made to FSL that Nelnet removed when they took over as my loan servicer. They have refused my request at least 3 times, and refuse to directly answer my questions regarding this matter.