23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have filed XXXX disputes against a debt collector ( XXXX XXXX ) reporting a debt owed to my Equifax credit report. Prior to these disputes, I filed disputes with XXXX and XXXX against the same debt collector. The nature of my disputes was that this debt collector never validated the debt by taking the effort to make me aware of an outstanding balance or any debt owed. Upon submitting the disputes with both XXXX and Equifax ; the debt collector ( XXXX XXXX ) could not provide any documentation showing that I had been made aware of a debt owed prior to the reporting of said debt on my credit reports. Following this response, both XXXX and Equifax removed the debt from my credit reports. I filed the same dispute with Equifax against the same debt collector ( XXXX XXXX ) and once again, the debt collector did not provide any documentation proving that they had made an effort to contact me prior to reporting the debt. However, following this response, an Equifax supervisor ( XXXX, employee ID XXXX ) told me that " because there was a response from the debt collector, they can not remove this account from my credit report. '' The employee continued, stating, " Our retention policy requires us to continue to report a debt for up to 7 years '' I then informed her of current FCRA laws regarding the reporting of debt from a debt collection agency and she reiterated her former response. I then proceeded to file an additional complaint of the same nature against the same debt collector, in which the same response followed by the same explanation was given. After calling Equifax, explaining to them that the other XXXX CRAs have removed the reporting of this debt, another employee ( XXXX, employee ID XXXX ) advised me to contact the debt collector directly, stating that Equifax does not oversee the removal of a misreported ddebt but rather they just inform the debt collector of a dispute against them. The employee further explained that when a dispute is opened through Equifax, Equifax forwards the dispute to the appropriate debt collector and the collection agency is responsible for conducting an investigation. This is very different from my understanding in not only the role that a CRA plays in the handling of disputes and removal of debt reporting but also the dispute process itself. I would like to file a complaint against Equifax for mishandling of a dispute against a debt collection agency. According to the current FCRA laws regarding the reporting of debt, the consumer must be made aware of an outstanding debt prior to the reporting of said debt on any credit report. Further, failure to report such a debt in compliance with FCRA laws and regulations subjects debt collection agencies to certain reprocutions ( including the loss of validity regarding a collection account ). Equifax did not abide by the FCRA laws nor did they assume their role as a CRA in the dispute process.
Product: Checking or savings account

I was a XXXX  in 2011, I had a loan and checking account set up with Wells Fargo. I would constantly get changers overdraft fees for going over even when I asked for overdraft protection. 

I believe I was apart of 1  of the 16 million Americans that was overcharged on these fees and/or the interest on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ; XXXX XX/XX/2022.
Product: Checking or savings account

I went to the bank on XX/XX/XXXX to make a withdrawal of {$200.00} and the teller tells me that I only had {$230.00} available. Before that, the last time I had went to the bank was on ( XX/XX/XXXX when I had made a withdrawal of {$300.00} and I had a remaining balance of {$1000.00}. They claim that I had went to the bank on XX/XX/XXXX and made a withdrawal of {$800.00}. I argued with them that that was not correct. I have a book that they stamp every time I make withdrawals or deposits and they did not stamp by book where they were supposed to when they claim I made that withdrawal. They told me that the teller made a mistake on that day ( XX/XX/XXXX ) and stamped it over another date at the beginning of my book. They proceeded to show me where the teller stamped it ; and it was over another date. If you look at my book where they stamped it, it's very confusing and I also noticed that they changed the numbers by handwriting over them. I did not get anywhere with them. One of the tellers even told me that I had not been to their bank in a long time and maybe I don't remember. They took my {$800.00}. I am XXXX XXXX XXXX and I do not have XXXX nor XXXX, and I am good with numbers. I never went to the bank on that day to withdraw {$800.00}. I get my XXXX check every first of the month and it covers all of my bills ; I didn't have a need to go into my XXXX XXXX XXXX account to withdraw any money. Please help me. I am a victim.
Product: Mortgage

Existing conventional mortgage transferred from XXXX XXXX 2019 to XXXX XXXX. Since transfer I have been paying the mortgage on time with the necessary funds.I have included the correct loan number and address for payment. ISSUE : I have confirmed with my banking institution that the money was paid and the checks were cashed. However, during two of the last three months XXXX has claimed they have not received my payments. I have made multiple call to XXXX XXXX XXXX and they have not resolved the issue.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the below-referenced accounts that are currently reported on my credit file. Despite previous attempts to dispute these accounts, the discrepancies and practices observed persist, indicating potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX with Account Number : XXXX Under the FDCPA and FCRA, consumers are entitled to accurate and fair reporting of their credit information. However, the handling and reporting of these collection accounts have not adhered to the standards set forth by these laws. 

Given the failure to adequately address these issues through the dispute process and the potential violations of consumer protection laws, I am requesting the immediate removal of these collection accounts from my credit report. 

Failure to comply with this request and to provide evidence of your compliance with all relevant consumer protection laws will lead me to escalate this matter. I will pursue further action, which XXXX include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to explore potential claims under the FDCPA and FCRA for any damages incurred.
Product: Credit reporting or other personal consumer reports

Noticed there were several hard inquiries that I did not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX last payment was in XXXX this is 8 years ago. Please remove this old account and stop reporting.
Product: Credit card or prepaid card

Wells Fargo apparently puts a limit on the number of payments I can make from my non-Wells Fargo account. They tell me I must open a Wells Fargo checking account or call in to make my payment. This is discrimination based on where I make my payments from. I make my payments on time, so why should I be limited in what account I use to pay the card with? 

I have NEVER had this issue with any other credit card company.
Product: Debt collection

XXXX XXXX XXXX is collecting a debt, That was repeatedly trying to cancel. 
Now they have XXXX collection agency, collecting a debt, with an amount different of was supposibly owed. 
The e mail I sent to XXXX, cancelling the membership, address to e mail, was taking from their website, was ignored, never got an answer.regarding my cancellation attend.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported several times about Identity theft to AMEX, even through CFPB. 
Few month ago I was assured that AMEX is no longer reporting identity theft accounts and balances on my account and CRAs. 
Until now the information is still presented and reported constantly on my 3 credit reports.
Product: Student loan

I was approved for a then XXXX student loan. They have since change their name to Navient, but the same problems still exist. I have XXXX private student loans through them and each and every month the amount of the loan continues to rise. They told me first that it was because I had a variable interest rate that was not supposed to go over a certain amount. Now they are telling me that there is no cap on the amount of interest for the variable rate. Navient charges outrageous and ridiculous fees. I have other private loans with institutions such as XXXX Bank and have not ever once had the problems with them that I have with Navient. I attended the University of XXXX at XXXX and XXXX when I took out the " XXXX '' Navient student loan.This company was sued before in a huge class action lawsuit for their fraud and fees, and now they have changed their name so that they can continue doing the same thing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o XXXX reports last payment as XX/XX/year> but XXXX reports XX/XX/year> o Reports as charged off, but I have never received a 1099C which is required when its charged off. 
o XXXX and XXXX reports as never late, but Experian says XXXX 30 days, XXXX 60 days, and then charged off. 
o XXXX reports the closed date at XX/XX/year> but XXXX reports XX/XX/year> Experian : XXXX XXXX reports last payment as XX/XX/year> but XXXX reports XX/XX/year> o Reports as closed and written off, but I have never received a 1099C which is required when its written off. 
o XXXX and XXXX reports as never late, but Experian says XXXX 30 days, XXXX 60 days, and then charged off. 
XXXX XXXX XXXX reports last payment as XX/XX/year> but XXXX reports XX/XX/year> o Reports as charged off, but I have never received a 1099C which is required when its charged off. 
o XXXX and XXXX reports as never late, but Experian says XXXX 30 days, XXXX 60 days, and then charged off. 
o XXXX reports the closed date at XX/XX/year> but XXXX reports XX/XX/year>
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

XXXX XXXX medical of XXXX XXXX billed VA for XXXX. VA XXXX paid this bill. I have confirmation. Then XXXX XXXX XXXX attempted to be paid twice for this by sending me bill. When I explained they proceeded to send it to a company called Credit Management who sent me bills and then I sent them the proof this was paid for and did not hear from them again until they added this to only one reporting agency XXXX. XXXX XXXX nor the XXXX reporting agency are reporting this fraudulent claim. How do I sue them for harassment and what this may do to my otherwise Excellent credit?
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the inaccurate information on my credit report. Specifically, the Date of Last Activity, Date Opened, and Date Last Reported for certain accounts are incorrect. 

Despite my previous dispute, you have stated that the accounts were verified, but no changes have been made to correct the inaccuracies on my report. These errors are affecting my credit, and I request that you take immediate action to either : Correct the inaccurate dates on my report. 
Remove the inaccurate accounts from my report if the information can not be accurately verified. 
Please confirm that you have received this complaint and that corrective action will be taken promptly.
Product: Credit card or prepaid card

Synchrony bank advertised 1 year no interest using Synchrony bank. 
According to my experience it appears that this bank is using fraudulent methods to charge additional fees on the accounts. I purchased a mattress from " Mattress Firm '' with this promotion on about XX/XX/2018 and paid it in full to the bank timely. Basically they claim that the payment were not sent on time charging additional significant amount to the account. 
Luckily I had my suspicion from day 1 so I documented all communications and payments, I also used XXXX XXXX online banking for timely payment and to have the record of on time payments. 
Although my account was timely paid in full Synchrony bank still demands additional {$1800.00} from me, ( thats over the original amount agreed of {$2000.00} that was timely paid in full ). Furthermore my credit was reported as late dropping my credit score by about 100 points. 
I was talking to the bank supervisors numerous times just to go on a goose chase they ask me to fax them the proof then they never get back to me and when I call bake Im informed that they didnt receive the fax and I cant be connected to the same manager, when I tell them that I also have a proof that the fax was received by them, they ask me to fax the proof to them as well, again just to tell me later that they didnt receive that fax too. so for now I have a collections of proofs in my possession that I would be glade to forward to you if you. 
I also contacted Mattress Firm to make sure they are not involved at this alleged extortion, they assigned a representative name XXXX to try to help communicating with the bank and she spent over an hour yesterday on the phone with the bank and me witnessing the " game playing '' of Synchrony Bank. Finally she told me that she can't stay on the line because the bank would not allow a recorded line ( when they themselves record the line ). I guess they don't want the " goose chase '' they put me on be recorded. 
Thanks XXXX XXXX
Product: Credit card or prepaid card

They did not want to take recurring payments or post dated payment ... They want to charge payment over the phone fees..
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters to transunion regarding inaccurate information on my credit report. Despite providing evidence, Transunion has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 USC 1681e ( b ) : Transunion has not ensured the maximum possible accuracy of the information in my credit file.

15 USC 1681s-2 : Transunion has continued to report inaccurate information after I provided notice of disputes. 15 USC 1681 ( 5 ) : Transunion has reinvestigated and reinserted disputed items without notifying me, as required by law. 15 USC 1681c ( c ) : Transunion has reported obsolete information that should have been excluded from my credit report. Recently, I became aware of the lawsuit filed by the CFPB against XXXX on XX/XX/year> titled " CFPB Sues XXXX for Sham Investigations of Credit Report Errors. '' According to the CFPB, XXXX has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing with Transunion. 
Transunion failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, employment, and housing opportunities.
Product: Checking or savings account

XXXX frozen my account. I never got an email for them describing why they froze my account what to do I had to call I was on hold for over an hour and a half I was cut off directly at XXXXXXXX XXXX Central standard time I have several emails going back and forth where I explained to him I difficulties and why I can not produce the ID for them that they need to unfreeze my account I've also told them that they have my direct deposit from my employer I have a W-2 I have my social security but I don't have the ID with a picture on it it's expired and I can't get a new one with covid it's a Long drawn out process this has been since XXXX I don't have anything else I can do but send a complaint here because they don't care about me they don't care that that's the only money I have and they don't care that I'm homeless I've been that way since covid started and I lost my job and my apartment I had a house fire before that and lost everything with documentation so just increasingly made it harder for me to get identification so here I am
Product: Credit reporting or other personal consumer reports

There is a company by the name of XXXX / XXXX XXXX XXXX showing on my credit report that needs to be investigated because this account was not Authorized
Product: Money transfer, virtual currency, or money service

I had {$12000.00} in my PayPal account as of XX/XX/XXXX, when I was XXXX. I was XXXX  from that date until XX/XX/XXXX. During this duration of time, there were multiple unauthorized transactions done. While I was XXXX  someone was able to add an account that isn't even in my name to my account and withdrawal all the money from my account. The account my money was transferred to was a XXXX XXXX account. They won't give me the name or nothing. But the dates of the transfers are XX/XX/XXXX and XXXX of XXXX both for {$2000.00} and XX/XX/XXXX for {$8000.00}. I have tried calling and filing disputes. They opened a dispute but then said that they found nothing wrong and couldn't do anything. I have proof of XXXX that I sent them as well. And they are refusing to further assist with me and my problem.
Product: Credit reporting or other personal consumer reports

I was alerted that my information was compromised in the XXXX Data Breach, Delete these off of my credit report immediately as I am a victim of the XXXX Data Breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these accounts that does not belong to me and i want them to be remove from my credit report. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft USAA FEDERAL SAVINGS B Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint - Bank of AmericaXXXX XXXX XXXX and Service Issues Dear Consumer Financial Protection Bureau , I am writing to lodge a formal complaint against Bank of AmericaXXXX XXXX for significant service and accessibility issues that I believe violate my rights under the Americans with Disabilities Act ( ADA ). 

As a customer with multiple XXXX, which render prolonged phone conversations difficult, I have encountered a severe lack of accessible communication methods with the institution in question. My repeated attempts to retrieve my own funds have been met with exceptionally long hold times, reaching up to four hours on several occasions. As I draft this complaint, I remain on hold, reflecting a distressing pattern of non-responsiveness. 

In my pursuit of a resolution, I scheduled a call with an advisor, only to be redirected back to the same inaccessible line. This pattern indicates a concerning lack of appropriate service and accessibility provisions, constituting a clear violation of the ADA. 

This systematic hindrance, coupled with the institution 's apparent disregard for my concerns, gives me reason to believe this could be a deliberate attempt to discourage customers with disabilities from accessing their own funds, forcing them to continue using inadequate services. 

Having trusted this organization with my funds twice, I am dismayed by the lack of proper service and disregard for my rights as a customer with XXXX. If this situation persists, I am prepared to pursue litigation to assert my rights and retrieve my money. 

I respectfully request the CFPB to investigate this matter and enforce the necessary measures to ensure Bank of AmericaXXXX XXXX adheres to the regulations set forth by the ADA and provides appropriate service to all customers. 

Thank you for your attention to this matter.
Product: Credit card

I referred XXXX XXXX and XXXX XXXX to the Capital One XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX, respectively. I gave them my Cap One XXXX XXXX referral link and even helped them to fill out the application as I was with them in person. 

I was credited XXXX miles for XXXX XXXX, but I still have not received the credit for XXXX XXXX. Both were approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Consumer Fair Act XXXX XXXX XXXX  Account # XXXX, 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX