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

I tried to withdraw XXXX from XXXX in XXXX ATM. It gave me no money/ I even tried the machine next to it. It only gave my card back. I went to the Wells ATM in XXXX. The machine told me I was at my daily limit. I called XXXX and was told to contact Wells and file a claim. Which I did and they put the money back in my account. A month later I received a letter telling me they would be taking the money back. They have given me money and taken it back twice so far. The Asst.Manger investigation. XXXX Asst. Manager promised to do her own investigation. the time and video proved I did not receive money and their machine was over XXXX About a few days later she called and told me that she found the money when she looked at the right time and wrote me a letter to hand carry to Wells. Since then Wells has given and taken back XXXX twice. I've talk with so many people. I've had Wells customer service hang up in my face. I'm a XXXX veteran and a XXXX  on a fixed income. I can't afford to give away {$1000.00}. Please help me!!!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). 1 kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX 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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Credit card or prepaid card

I redeemed XXXX miles worth {$1800.00} as travel credit on XX/XX/2022 on my Capital One XXXX XXXX credit card. The miles were removed from my account but travel credit never posted. The transaction confirmation said the credit will post to my account in 2 to 3 business days. It has been 15 days and the credit has not posted to my account. I have called more than 5 times and each time I am asked to wait a few more days. In the latest call they asked me to wait 2 billing cycles. Clearly, Capital One is defrauding me, and possibly others in the same situation.
Product: Credit card

I never had a credit card thru capital one this file is fraudently opened I never gave them permission to use my credit file this is illegal and against my rights
Product: Credit card or prepaid card

I applied for a Home Depot credit card, offered and serviced by Citibank, to purchase {$420.00} of merchandise. In XX/XX/XXXX I received a collection call from Citi that my payment was late. I told them I never knew a payment was due because I didn't receive a statement. The collector asked if I would like to make a payment over the phone. I told him send me the bill, I will review the charges then make the full payment. I also asked if he can you waive the {$25.00} late fee. He agreed to waive the late fee once the payment was received and if I called back. There was no mention of when his promise to waive the late fee would expire. Shortly after our conversation, I received the bill and paid the entire {$420.00}. 

XX/XX/XXXX I noticed I had 2 late fees - one for XX/XX/XXXX and another late fee for XX/XX/XXXX. The second late fee was applied because my first ( XX/XX/XXXX ) late fee was not removed. I called on XX/XX/XXXX and they removed the most recent late fee, but stated they can not remove the original late fee because it was against company policy. After multiple hours ( combined conversations ) with several difference collectors, a  review of the original call log. They refuse to waive the fees that were a result me never receiving the original statement. 

I made the full payment of {$420.00}. The only reason I was charged 2 late fees was because I never received my first billing statement and because the original late fee was not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, a collections attorney, has pulled FOUR hard inquiries on my Experian file without my permission TO INTENTIONALLY DAMAGE my credit when he could get the same information from a soft inquiry. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Debt collection

In XX/XX/XXXX my daughter bought what she believed was a 3 month membership to XXXX XXXX. She and I met with a personal trainer and advised him we were only on a 3 month membership-he never advised us otherwise. We went only in XX/XX/XXXX and quit going. They did not bill her after the 3 months (XX/XX/XXXX-XX/XX/XXXX ) but in XX/XX/XXXX they suddenly billed her on her credit card. We advised them it was an invalid charge. They advised us she was on a monthly contract and needed to notify them to cancel. Unfortunately my daughter did n't read the contract and they had put her on month to month. We notified them to cancel. They said it was billed in arrears so they would cancel next month. So she went ahead and paid that charge. BUT they billed her credit card again the next month. We disputed it through her credit card and they charged it back to the fitness center. The next month they tried to bill her again. We cancelled the card and it was charged back to them again. Almost 1 year later they decide to send me a bill in the mail. I sent them all the proof that the membership had been cancelled and advised them that I never signed anything or authorized them to bill me in anyway. They advised me they would take care of it. They referred it to a collection agency. I advised the collection agency that my daughter has cancelled her billing and that I never signed anything and the charges were not owed by me AND I advised them never to contact me again. I just received another threatening " attorney '' letter with proof clearly showing that I never signed the contract. I have all the credit card paperwork and dispute letters still.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I had a Charged off XXXX XXXX account listed on my Equifax credit report that doesn't belong to me. I called XXXX XXXX  and they couldn't find an account listed in my name or social security number. I need this removed immediately because this is hurting my chances in getting a mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal house purposes, and is cause actual damages. 

According to FDCPA 1006.30A/New Rule REGULATION F and its new rule by parking this alleged debt on my consumer reports. 

I am reaching out to Experian in regards to this account and I am receiving vague communication and was emailed a letter on XX/XX/2023 stating they received information that " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 

This letter is in response to your recent claim that Portfolio Account # : XXXX / XXXX XXXX Account # : XXXX has verified that the account they are reporting under my name is accurate. I noticed on my Consumer Report that this company is reporting this account TWICE under two different names, one is named XXXX and the other is called XXXX XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Product: Credit reporting or other personal consumer reports

I have reviewed my report, and there are accounts that are not mine. I also see multiple address and phone numbers that do not belong to me. I would like these items removed, as they are causing me issues obtaining credit. 
Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Addresses : Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date Reported XX/XX/XXXX Other Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WI XXXX Date Reported XX/XX/XXXX Phone Numbers Other Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, WI XXXX Date Reported XX/XX/XXXXXXXX  Other XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date Reported XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a Validation Request to XXXX, Equifax and XXXX with a copy of my license and proof of address on the following accounts listed below that are showing on my credit reports. I submitted the request because I am not aware of where the original debts came from and if they are mine. Some of the accounts reporting don't have complete account information as well. Then after not receiving a response 30 days later I re-submitted the letter dated XX/XX/2021. Now 60 days later I have yet to receive a completed investigation response from all 3 Bureaus. However, from XXXX Particularly I received a response which I have included for your reference stating they believe I hired a third party that is not authorized such as a " credit repair company '' or " credit clinic '' and therefore they will not process my requests, this is Ridiculous!! 
1 ) It's none of their business and or against the law!

2 ) There is NO law that states a consumer can not use a third party, so using that as an excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why their statement is so shameful. 
3 ) It is a Stall tactic. How can they assume that and or prove it and I know my consumer right and I know what the FCRA states and I wrote those letters myself they are just typed not handwritten! 

Accounts in XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX Acct # XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I would also like to add I have submitted a copy of my driver 's license, but it is not up to date on my new address, and I will be updating that today. I did include a page of my bank statement as proof of address. 

Thank you for your time and investigation.
Product: Mortgage

My mortgage company ( Loancare Servicing ) is reporting late payments starting in XXXX and XX/XX/2020 which I have uploaded proof that it was paid in time, also in XXXX when the pandemic hit us we applied for deferment and was approved until XX/XX/2020, and yet they have continued to report it as a late payment which I told them by law they should not be reporting, I have sent certified mail and also called to try to resolve this problem, when I contacted them I was rudely told that they are not reporting it as late and I must not know how to read my credit report because the problem is not on their end. I have included a screenshot of my XXXX XXXX which clearly shows the late payments of 90 days which made my credit score fall and has caused me to lose opportunities which I badly needed because of the pandemic.
Product: Debt collection

Dear XXXX, I writing concerning this matter with this company I have explained the conditions of this account and made them aware of the detail concerning XXXX House Apartment a notice was given to the company in advance my rent was paid up in fuelled for the month that I live at XXXX House. I moved because the apartment was no long safe for me to live there. This company attempt to collect a debt that is not own to them.
Product: Credit card

I never opened a account with Regions Bank. I need the account closed because of Identity Theft. Request a freeze and Fraud alerts on my credit reports on XX/XX/2023
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts on my report. Please remove these fraudulent accounts from my credit report, they are hurting my ability to obtain credit. Thank you.
Product: Debt collection

I am writing to dispute the validity of the debt collection attempts made by your agency.I am unaware of this debt and have not had an opportunity to dispute it due to lack of proper notification.It is my right, under the Fair Debt Collection Practices Act ( FDCPA ), to be properly notified of any debt before collection activities begin.If you believe that I received proper notification, I kindly ask that you provide the certified mail with a receipt containing my signature confirming receipt of the notification letter. Without such evidence, I dispute the claim that proper notification was provided. 

Account Name : Navy Federal Credit Union XXXX XXXX XXXX Late Payment of XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute twice with Experian, and they came back twice within XXXX hours telling me they have verified all information with the creditor in question. 

The creditor of the auto loan never sent us a bill or contacted us in any shape or form on our " late '' payment, the final payment for our car, which we assumed we were gon na receive our title and lien for, because no bill came in nearing the end of the term. I have already filed a complaint with XXXX XXXX XXXX on their negligence and deflection of responsibility.

Experian did not go through proper procedure of verifying anything. According to 15 U.S. Code 1681, i think i should get a fair chance to state my case rather than the discriminatory response i got back from Experian. 

XXXX violated 15 U.S. Code 1666b which states that i am entitled to my billing information, including anything late, and yet i did not get a single drop of information from XXXX. not a phone call, not a piece of mail, not even an email.
Product: Money transfer, virtual currency, or money service

Company : Binance.US I began the process of registering an account with this company, and stopped when I realized they were collecting a significant amount of confidential private information ( SSN, ID, biometrics ), did not disclosure they were not regulated in my state of residence, and did not disclose the company has previously had a significant data breach. I stopped the verification process, and asked the company to please delete my account and confirm that personally identifiable information was deleted, since I had not completed the registration. 

The company has no phone number listed and wrote back one time in response to my 5-6 messages stating that are not willing to comply citing non-specific regulations. 

The company has not responded since XX/XX/XXXX. 

Im in the process of retaining a privacy attorney and that your organization can spare us this expense and reach a solution. 

XXXX needed to place credit holds on our accounts in the meanwhile. Fortunately we never linked our bank account to this organization but we are concerned about their negligence in safeguarding information, lack of transparency, and refusal to remove our information. 

Thank you for investigating. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been having issues with my Cash app. Funds not on there when they are suppose to be, and they charge me extra fees.
Product: Debt collection

I am formally disputing the accuracy of the information pertaining to the listed accounts on my credit report. Upon identifying discrepancies, I proactively contacted the creditor to seek validation of the debt. Regrettably, the creditor failed to provide any substantiating documentation. My primary concern revolves around the misrepresentation of the account in question, falsely categorized as a late payment account. I insist on the provision of concrete evidence supporting the claim of late payments. In the absence of such evidence, I demand the immediate removal of the negative payment status associated with this account from my credit report. Account Details : XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write this in reference to the Fair Credit Reporting Act ( FCRA ) and believe my federally protected consumer rights ; specifically my right to privacy and confidentiality under 15 USC 1681, have been breached. The accounts involved in this violation are as follows : XXXX - Account number : XXXX XXXX XXXXXXXX - Account number : XXXX XXXX XXXX XXXX  - Account number : XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX - Account number : XXXX Section XXXX ( A ) of 15 U.S.C 1681 safeguards my right to privacy. Additionally, Section 604 ( A ) ( 2 ) of the same code outlines that a consumer reporting agency may not provide account details without the written consent of the concerned consumer.

Section 1681c ( a ) ( 5 ) of 15 U.S.C mandates that a consumer reporting agency can not include any adverse information other than criminal conviction records that predate the report by over seven years.

As per 15 U.S.C 16 1681s-2 ( A ) ( 1 ), it is illegal for anyone to furnish consumer-related information to any consumer reporting agency if they are aware, or have justifiable reason to believe, that such information is inaccurate. 

These inaccuracies are currently obstructing my ability to purchase a home for my family and are negatively impacting my financial prospects. I hereby request the immediate deletion of these inaccuracies from my credit report. 

I anticipate your swift attention to rectify these inaccuracies, as this matter is crucial to my financial future.
Product: Student loan

They put my account into default when they were supposed to put a forbarence on it ( hurt my credit causing hardship ). Then they enrolled me into a program where i paid XXXX payments of XXXX $ to get out of default. After that someone from navient CALLED ME and we setup a payment plan of {$5.00} a month for the next XXXX months. I paid XXXX months on that plan and got a letter for them for {$68.00} a month. So i called them about it and they said there had been a mistake and i had to send them a letter or something and they were sorry but i have a forbearance and they could apply it to the account. She clearly stated in a recorded phone conversation that putting the forbearance on my account will not hurt my credit any more. So i agreeed. And now my credit score just dropped XXXX point. Please help i need this off my credit score i cant even get approved for an apartment. Thank you!