23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Congress has made it clear 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. I have reasonable cause to believe this transaction was conducted knowingly and intentionally in bad faith. It is the purpose of TILA to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I have reasonable cause to believe the bank used their undue influence to induce me into an adhesion contract. The bank acted in bad faith and has been unjustly enriched as a result of undue influence. Due the banks failure to maintain the integrity of my nonpublic personal information, my consumer credit reputation has been jeopardized due to punishment for the nonrepayment of an extension of credit. Congress has also stated that unfair credit reporting undermines public confidence, which congress has made clear, is essential to the continued functioning of the banking system. I have never been explained my right to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties. I did not authorize, nor consent to nor would I ever knowingly consent to the furnishing of any negative information to any nonaffiliated third parties. This fraudulently furnished negative information causes a restraint of trade and commerce and violates TILA, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC ACT and RICO Act. Any payments made on this account were a result of threat, duress, and coercion. I hereby disaffirm any alleged agreement or contract between I, the consumer, and the bank, whether implied or explicit. Any agreement between I and the bank was a result of undue influence. Please provide me with documentary evidence of the obligors indebtedness. Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. The bank, as the creditor, may not collect any disputed amount. As a federally protected consumer, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing. Additionally, charge-off accounts are considered income and income is not to be reported on any consumer report. XXXX is in violation of several codes and CFR 's and willfully using a third party to keep me from being able to use my consumer credit. The bulk of these violations are covered under 5 U.S. Code 552a,15 U.S. Code 1681 12 CFR 1016.1 and IRS Publication 4681
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report as provided by XXXX. Despite my initial contact with XXXX on XX/XX/XXXX, I have not received a response to date. As per the guidelines outlined by the Fair Credit Reporting Act, I request your assistance in addressing this matter. 
The following discrepancies and required corrections pertain to my credit report : Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$3600.00} I dispute the accuracy of the information provided for the aforementioned account. The reported balance of {$3600.00} does not match my recollection. Additionally, I would like to highlight that this account has a closed and charged-off status. I am planning to engage in a conversation with the creditor to clarify the reported data. In the meantime, I kindly request that you mark this account as disputed and remove the amount indicated in the " Past Due '' section. 
Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Your agency has reported inaccurate information regarding the account mentioned above. I have no recollection of ever entering into a contract with XXXX XXXX XXXX XXXX XXXX, nor have I ever been contacted by them. Moreover, the reported balance of {$450.00} is higher than what I believe it to be. As a result, I am disputing this entire account and requesting verification of the " Date Opened '' and " Date of First Delinquency. '' Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$780.00} I confirm that the aforementioned account was never late. The reported information is inaccurate, and I request that you correct/update this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Highest Balance : {$22000.00} I assert that the account specified above was never late. The reported information is inaccurate, and I request that you correct/update this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Highest Balance : {$12000.00} I confirm that the account mentioned above was never late. The reported information is incorrect, and I request that you correct/update this on my credit report accordingly. 
Account Name : XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$310.00} I confirm that the account specified above was never late. The reported information is incorrect, and I request that you correct/update this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$4700.00} I confirm that the account indicated above was never late. The reported information is incorrect, and I request that you correct/update this on my credit report accordingly.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$1400.00} XX/XX/2018 I did call this company, they did not respond.
Product: Mortgage

I 'm trying to work with my lender BSI to do a shortsale since they denied me for a loan modification and they refused to look at it XXXX more time, my realtor send them a listing agreement last week they have the house up for foreclosure for XXXX XXXX I need more time to finalized the listing
Product: Debt collection

I am currently working with Immediate credit recovery to resolve a student loan of about {$2000.00}. We have worked out a payment plan that I have agreed to as them and signed off on. And stated making payments on. Today at about XXXX on XX/XX/19 they called the XXXX and to my XXXX. From XXXX The secretary did transfer to my work phone ( she didn't know any better ). I tolled them not to call me at work. I am a XXXX  and work at a XXXX. A miss XXXX XXXX was the rep from ICR.  She initially presented her self as security or something like that We talked for a few minutes about the loan and that I and making payments on this. We have scheduled payments of {$15.00} to come out of my bank account on the XXXX of every month to start rehabbing this loan. I did remind her about me not wanting to be called at work. Her tone was harassing and threating. I did inform her that I would be making a complaint that it was illegal to call someone at work if they said not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency Equifax has admitted to providing the wrong credit score to millions of consumers, including myself. Which affected my ability to obtain financing, and loans. Equifax has a responsibility to report fairly, and accurately which they did neither. They did not exercise their grave responsibility to report fairly, and accurately. And they also broke consumer law 15 usc 1681. I never gave written or verbal permission for equifax to furnish my consumer report to anyone.
Product: Credit card or prepaid card

I received a credit card from Wells Fargo around XXXX. About a XXXX into having the card I had difficulties figuring out my payments as they were changing. I was receiving notices saying I wasnt paying on time or the right amount but never received confirmation that they were being edited. 
I ended up borrowing money from a family member to pay off the card and close the account. Relieving my stress of the situation.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX with Social Security Number XXXX and born onXX/XX/XXXX who received your responses and Im the one who submitted a complaint last XX/XX/XXXX. The listed items were fraudulently and I never signed any contracts with the listed items in my credit file. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The supporting documents are attached in this complaints. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Wednesday XX/XX/year> I was hacked through XXXX and they were able to get onto my phone with an app they had me download. I was gullable and downloaded the app. They were able to navigate my phone as me and by the time I realized I was being scammed they had already made a {$980.00} Zelle transaction to themselves as a XXXX XXXX! They had also tried to change my address on file at my bank as well as well as locking me out of my face book and trying to lock me out of my emails so I could fix this! My XXXX  account and Zelle refused to make this right! I was barley able to pay my bills this month! I have made a XXXX XXXXXXXX report as well as from my XXXX  account and tried to through Zelle as well. It is not right That we are not protected through these type of transfers! I had to change all my accounts and passwords for multiple apps and my bank this last week. Please help me recover my money!
Product: Checking or savings account

On XX/XX/2020, I made a call to XXXX support, from my cell phone, attempting to troubleshoot some difficulties I was having with my phone. Unbeknownst to me, I had dialed a bogus XXXX number. During this conversation with " XXXX '', I was informed that my phone had been hacked, and that my financial information that was in my phone had been compromised. This fake XXXX support individual proceeded to explain to me that they had to " entrap '' the hackers, and the way they accomplished this was by installing certain apps on my phone ( XXXX and XXXX ), by which the hackers would attempt to withdraw money, and then be caught in the act. I unknowingly allowed this fake XXXX support person to put these apps on my phone, and he was then able to withdraw money from my checking account, in the amounts of {$960.00} two times within several minutes. ( I will mention to you, that they were also able to manipulate me into a gift card scam, which was another several XXXX dollars, but I am taking responsibility for being foolish and falling for that. ) My complaint is because my bank ( NY Community Bank/Roslyn Savings Bank ) allowed these 2 transactions to take place, without seeing a " red flag '', and contacting me first to inquire as to whether or not this was legitimate. I received 2 other phone calls, from 2 other banks that I deal with, where the scammer had attempted to access my bank accounts, and the bank had thwarted them, and called me first, thereby saving me from further financial damage. I have attempted to file complaints with NYCB, the first of which was denied, and the second appeal is going to be denied ( I spoke with a vice president for retail help, who advised me of this ). I just don't understand, how 2 other banks were on top of this, and called me to question the charges that were about to be made, and by calling me, those charges were intercepted and prevented. However, NYCB allowed these 2 very questionable charges to be withdrawn from my account without even batting an eyelash. My husband and I have been customers of NYCB for well over 20 years, and have had a stellar record in all of our bank dealings and transactions. I am absolutely devastated that this bank would not even consider restoring this money to me, which is money I can not afford to have lost. I am beyond disappointed in their response, as I do think they should have at least questioned the back-to-back withdrawals for the same unusual amount. Thank you for any help and/or advice you can offer.
Product: Debt collection

A woman by the name of XXXX XXXX with Weinberg Mediation called, and left a menacing message saying that they had an important legal matter to discuss with me. If I did n't call her back today, they would take further legal action. 
I looked up the company, and they are debt collectors. I also found MANY places on the internet  where multiple people say this company is a scam. I do n't have any bad debt, but pulled up my credit report to double check. All clean. This company is obviously trying to scare me and scam me out of money. This is unacceptable.
Product: Debt collection

Original Debtor - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Bill for services not rendered ( wrong patient ) Original debtor submitted to AR Resources for collection.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I contacted original debtor who contacted AR Resources to request it be removed.

I contacted AR Resources who claimed it would take 30 days.

It has been 60 days and the items is still on my credit report. 

Multiple attempts to resolve the issue have failed
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Fraudulent information appeared on my XXXX, XXXX, and Equifax credit report due to fraud. I disputed the inaccurate information to XXXX, XXXX, and Equifax. XXXX, XXXX, and Equifax verified that some of the fraudulent information belonged to me and continues to report inaccurate information on my credit report.
Product: Checking or savings account

I received a text from my bank 's fraud department, asking me to verify 2 identical transactions. I let them know they were not my transactions. They stated an investigation would be done and my money refunded. The 2 charges were not refunded and they posted to my account. The 2 transactions were {$91.00} for a XXXX purchase. Totaling {$180.00}. Those transactions caused me to be late on other financial obligations. They canceled my debit card.
Product: Money transfer, virtual currency, or money service

I was buying an electric bike from XXXX XXXX  and they said to send money through zelle on the XXXX  mobile app and I did and it said that it was delivered and completed but the person said they didnt get the money. This transaction was {$1100.00} and I think it was a scam, this happened on XX/XX/2022. I tried to get my money back from zelle and XXXX  but they would not refund me because they said I authorized it.
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX unlawfully placed negative items on my credit affecting my ability to procure goods and services. XX/XX/year>. They continued to do so after receiving my Power of Attorney, Common Law Copyright, Indemnity and Trademark of my name.
Product: Checking or savings account

On XX/XX/XXXX suntrust was aware I was moving my auto loan to another bank due to issues with suntrust. XX/XX/XXXX the car was refinanced and they were paid off by check in full for the entire loan amount. 
On XX/XX/XXXX my checking account was offset for XXXX dollars for the loan after the loan was paid off in full. Then they told me that they wouldn't reverse it. The loan was paid off in full of XXXX But SunTrust still debited my checking knowing the loan was already closed and paid off on the XXXX th. I have screenshots showing it was paid and they knew it was because they sent the pay off to the new bank. This is scamming someone's checking account to make extra funds. I want my money and also extra back for the trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting fraudulent information and when I try to contact them their website does not work. They are in violation of Section 609 of The Fair Debt Collections Act by not having and not being able to produce on demand the consumer signed contract with the alleged creditor.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, NY XXXX Capital One Bank USA  XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Capital One Bank USA XXXX XXXX : {$530.00} To whom it may concern : I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ( section XXXX ). 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and /or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. 
I look forward to hearing from you about this specific matter via mail. Please send written communication to the address listed below. 
Sincerely, __________________ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX cc : Capital One Bank USA XXXX note that XXXX XXXX  XXXX XXXX Code 2-190 require all debt collectors to send specific written documentation verifying the debt. These include : o Proofofmyagreementtopaytheoriginalcreditor ; o Acopyofthefinalaccountstatementissuedbytheoriginalcreditor ; o Abreakdownofthetotalamountdue, showingprincipal, interestandothercharges ; and o Forallothercharges, thedateofandbasisforeachcharge.

Federal Trade Commission Consumer Response Center NYC Department of Consumer and Worker Protection
Product: Credit reporting, credit repair services, or other personal consumer reports

It is a simple problem that Equifax refuses to fix. 

I had an account in collections. I made a settlement agreement with the collection agency. Part of that settlement agreement stated that the collection agency would send a manual deletion of the account upon my down payment. I made the down payment and the collection company sent the manual deletion. XXXX   and XXXX have both deleted the account from my credit record but Equifax refuses to do so. Equifax continues to maintain that the collection agency has not sent the manual deletion. I have spoken with the attorney for the collection agency and they have indeed sent the manual deletion three times. I am inclined to believe him because not only did he give me proof of the manual deletion being sent but two of the three credit bureaus have removed the item without hesitation. 

I own two businesses and employ 30 people. This negative reporting on my credit file is causing me to not be able to have access to lines of credit as well as access to other traditional capital financing opportunities. 

I have been working closely with the attorney with the collection agency. I have letters as well as other documentation showing that this account should be deleted and the attorney has even made himself available to speak directly with someone at Equifax however Equifax refuses to try to help me resolve this issue even in the slightest manner outside of beginning another useless dispute process ( I've done three disputes with them now and each time they not only get things wrong with the account but they " update '' it and end up reporting incorrect information. 

Please help, I am nearly insolvent due to my lack of access to capital which is 100 % because of Equifax not complying with the request of the collection agency that I have settled with. 

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

I have reached out to both XXXX XXXX and credit report agencies regarding a late payment that is showing on my credit reports. This is inaccurate and needs to be updated/deleted immediately. XXXX XXXX, XXXX, Transunion, and XXXX all sent back computer-generated letters saying they found it to be " accurate ''. I then requested a method of verification -- No Response! It has been well over 30 Days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on a AARP Chase Bank - I requested a credit line increase. Chase reports incorrect information on my record. I have contacted XXXX XXXX. This is a critical report that was created by Chase to deny an increase in line of credit. The stated " The reporting agency played no part in our decision and is unable to supply specific reasons why you have been denied credit to you. '' I am a XXXX-year old senior and have never had a problem with my credit. Recently I applied for a {$15000.00} loan and it was approved. I call this discrimination against a senior citizen> Please help.
Product: Checking or savings account

I noticed several overdraft fees on my navyfederal checking account while I was in service ( navy ) and could never get a reimbursement. Now realizing that was illegal, I would like to file a complaint against it.
Product: Credit card or prepaid card

I contacted Wells Fargo in an attempt to close a credit card account opened for me unauthorizedly as part of the Wells Fargo account fraud scandal. I had previously paid off the card a day prior. 

Upon explaining that the account was opened for me in an unauthorized manner, the representative suddenly went off-script and indicated, instead of continuing the procedure to close the account, that their company lists unauthorized accounts ( read : accounts opened illegally in customers ' names by representatives of Wells Fargo ) separately in their internal systems from accounts opened directly by customers. This immediately struck me as indicative of a broader organizational effort to engage in, curate, or otherwise downplay fraud as part of the unauthorized accounts scheme. Before I could press further, I was transferred on to a second representative, who indicated she was part of a customer service department. 

This individual also refused to close the account, instead noting that she was unable to do so. Instead, she offered a " case number '' and indicated that I would receive further correspondence on the issue. 

A full, unabridged recording of the call with both representatives is available upon request. Additional identifying information or essential case details may be provided upon request.