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

I did a mobile deposit on XX/XX/XXXX for {$26000.00}. Called the bank XX/XX/XXXX because I needed a new debit card and was told account had a hold. I was told the hold would be lifted on the XXXX. Called on the XXXX again and was told hold was not lifted. I was informed my account was frozen indefinitely. Called back on XX/XX/XXXX for more information and they wouldnt tell me anything. They wont let me access my account at all and wont give me a time frame when my funds will be released. They wont provide me with written documentation either
Product: Credit reporting or other personal consumer reports

I have disputed with Transunion over several times in regards to multiple accounts being reported incorrectly, They are reporting incorrectly and multiple charge off which is misleading and inaccurate. They have not done the proper investigation in regards to these accounts I disputed multiple times. I a, requesting statutory damages due to lack of investigation and allowing to report inaccurate. Not only does it show monthly charge off they actually have the balance still reporting when it should be XXXX due tot he charge off itself, They are violating my rights which I have listed as well along with XXXX  who I called and they informed my to call another agency in regards to my credit WHICH I DID NOT GIVE THEM PERMISSION TO DISCLOSE MY PERSONAL INFORMATION TO THIS OTHER PARTY AND NOR DID I GIVE THEM PERMISSION TO REPORT TO MY CREDIT. CRA 15 USC Code 1681B- PERMISSIBLE PURPOSE- Permissible purpose under this law they have to provide evidence WRITTEN instruction of me authorizing them to report to my credit. WHICH THEY DID NOT GET THAT INFORMATION. 
Another reason is 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). THEY HAVE NOT REPORTED ACCURATE INFORMATION AND I ALSO REQUESTED FOR THAT XXXX  ACCOUNT TO BE REMOVED BECAUSE OF REPORTING INACCURATE INFORMATION NUMEROUS TIMES. THE CHARGE OFF AND EACH TIME IT CHARGES OFF IT DRAGS THE LIMITATIONS OF THE DEBT. 15 USC 1681 SECTION 604 A SECTION 2- Stated a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B- A creditor may not not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. They have failed to investigate and correct inaccuracies multiple times. Yes, under the Fair Credit Reporting Act ( FCRA ), if a creditor reports inaccurate information on your credit report, they are obligated to investigate your dispute. If the investigation confirms that the information is indeed inaccurate, the creditor must remove or correct it.
Product: Credit card

I submitted a complaint for fraud on my debit card for multiple charges totaling {$11000.00} on claim XXXX with Wells Fargo under CFPB complaint XXXX. 
From what Wells Fargo is telling me, a person used my debit card number to set up an unauthorized XXXX account and ordered gift cards. Wells Fargo has yet to send me the information in writing other than a letter that states they found the charges to be either made by me or someone who had my permission to use the card. This is false and I did not give my card to anyone or give anyone else permission to use it. I also called XXXX and they told me that they sent all the information to Wells Fargo and the bank would have to disclose that info to me. Wells Fargo denied my claim for fraud and says they will not refund the fraud charges. I need the info that XXXX sent Wells Fargo so I can file a report with the police and I have yet to get the info from Wells Fargo. A Wells Fargo supervisor by the name of XXXX verbally told me the names used for the fraud orders and said that XXXX has sent them all the info and they supposedly have ip addresses and delivery addresses and pictures of the fraud gift cards that were ordered. Wells Fargo has not been helpful in sending me the info I need to file a police report and they have denied the fraud charges to reimburse me. I will be filing a police report in an attempt to prosecute the offenders and then get legal counsel to get my funds credited from Wells Fargo. Wells Fargo has made it difficult to get the info on the fraud and the process has taken way to long and they could have made it much simpler. I will also reopen the request for reimbursement of the fraud charges with Wells Fargo after the police starts their investigation and ultimately makes arrest on the fraud perpetrators. Wells Fargo tells me they made a resolution to my request which is a denial of reimbursement of the fraud charges and this is not acceptable!
Product: Debt collection

MY PROBLEM BEGAN AFTER I DISPUTED ACCOUNTS ON MY CREDIT REPORT. I DISPUTED THE DATES SHOWN. I LOST ALL DISPUTES SAYING THEY MET THE STANDARDS. I KNEW ONLY WAY IT WAS POSSIBLE WAS IF THEY FALSIFIED THEIR RECORDS. I ORDERED SEVEN ( 7 ) YEARS OF MY BANK STATEMENTS TO MAKE SURE I WAS CORRECT ON MY DATES. I WAS THEY SHOWED NO PAYMENTS MADE ON DATES THEY CLAIMED OR ON ANY DATE IN LAST SEVEN ( 7 ) YEARS. EACH TIME I DISPUTED THE ACCOUNT DATES CHANGED. AT THE END THE OPENING AND LAST PAYMENT DATES WERE CHANGED FINALLY SHOWING ACCOUNTS WERE STILL OPEN WHEN ALL WERE CLOSED FOR YEARS.. THE COMPANIES THAT BOUGHT MY CHARGED-OFF ACCOUNTS REPORTED NEW DATES AND ACCOUNT NUMBERS XXXX ( XXXX ) XXXX XXXX account turned into XXXX ( XXXX ) .I wrote XXXX XXXX got no reply but accounts changed from write off to no missed payments and XXXX showed right dates of last payments as XX/XX/2006. same with XXXX XXXX ( XXXX ) was good XXXX ( XXXX ) bad there was only XXXX ( XXXX ) account these accounts appear three ( 3 ) separate times
Product: Debt collection

Hello, I tried to resolve this issue previously this is my previous CFPB complaint number XXXX and my demand wasn't answered. XXXX XXXX stated the account in question was placed with Rubin & Rothman , LLC, I demand to see the agreement between XXXX  XXXX signed with Rubin & Rothman , LLC. I didn't sign any agreement with Rubin & Rothman , LLC and do not consent with Rubin & Rothman , LLC to have my information. Rubin & Rothman , LLC claims that the Complaint and Summons were properly served on XX/XX/2021 which Rubin & Rothman , LLC did not do. Rubin & Rothman , LLC 's associate left the summons outside for everyone to see that isn't my current abode. In said summons, XXXX XXXX of Rubin & Rothman , LLC is serving as the deponent but XXXX wasn't present for any alleged contract agreement between myself and XXXX XXXX, XXXX wasn't present for any alleged consumer credit transaction, and also, in the summons it's stated his knowledge, Information and belief which isn't fact. XXXX wasn't present at any point and anything he will say is hearsay and isn't admissible in court. I will also be filing a complaint with the NY Attorney General.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor, BMW FINANCIAL, has violated my rights under 15USC1681, section 602 states, " I have the right to privacy. '' 15USC1681 Section 604A, Section 2 it also states, " a consumer reporting agency can not furnish an account without my written instructions. '' Under 15USC1666B, " a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX report shows a 30-day late payment for in XX/XX/XXXX my student loan serviced by Heartland ESCI in conjunction with XXXX XXXX University. XXXX XXXX was the direct servicer prior to that. When they entered the agreement with Heartland they released all auto-pay features and provided minimal details on how to make our payments to the new servicer or showed when they were do. The transfer of service occurred starting with the XX/XX/XXXX payment. Moreover, I still managed to make the XX/XX/XXXX payment in a timely manner, and in fact was charged twice. If it was for the XX/XX/XXXX payment, then that was because the new servicer had never alerted me, nor had either provided a means of access to the account. They made it an absolute pain in the behind to arrange a new auto-debit. Just look at my payment history, XX/XX/XXXX was never late. The missing payment there happened during my 60-day service transfer window mandated by federal law. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries on my credit report are fraudulent : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Please remove these fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIVED ANY GOODS OR SERVICES FROM THESE FRAUDULENT INQUIRIES AND ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX Bankruptcy went through the 3 year payment plan. 

Post bankruptcy discharge my mortgage lender XXXX was not reporting mortgage payments still after 3 years. 

I this reported to the Trans Union and XXXX  and furnished by my mortgagee XXXX  statement. Both credit companies did not investigate the validity of the loan, and to date have not reported it on my Credit Report. 

My mortgage was not included in Chapter  XXXX Bankruptcy so XXXX should have not stopped reporting them. 

I want these mortgage payments reported on my credit file. 

Like I said I have already provided the credit bureaus with this information and received a response that they were not obligated to report this.
Product: Credit card

I received XXXX credit card that I never applied nor Ive ever heard of this company. Then I got alert from XXXX that there is new account in my name that negatively impacts my credit score. I tried to call the number on the back of the card but they are asking for my social security number and because Im not willing to give them my Social Security number they are refusing to do anything about my account. This is some kind of scam and needs to be investigated and addressed immediately.
Product: Debt collection

Hello XXXX had froud transaction on XXXX  account XXXX which he did extra secure with the XXXX and XXXX XXXX When he run XXXX  XXXX  he found out about a new XXXX from XXXX XXXX XXXX  XXXX XXXX that hired Genesis XXXX XXXX XXXX with dispute the lein and close the case for XXXX We would like to make sure the creditor close the account too please see attached police reposrt credit search XXXX XXXX approval and dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Number # 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. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable XXXX XXXX Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the following items, or inaccurate information, from my file immediately & send me the results to the address 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: Debt collection

I called XXXX XXXX Solutions in XX/XX/XXXX. I let them know that the debt with XXXX XXXX XXXX was paid off on XX/XX/XXXX and I have a receipt to show my balance was at XXXX. I faxed the receipt to them on XX/XX/XXXX. It has been well over a month and every time I call they say that they are still waiting a response from the company XXXX XXXX XXXX. They are still reporting this debt to the credit bureaus which is having a negative impact on my credit score. I did submit a dispute online with the credit bureau in XX/XX/XXXX. I want them to not call me and remove this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on inquiry that I dont recognize and equifax told me that the information must remain on report for two years. I have tried getting this info removed several times now.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently ( XX/XX/XXXX ) I applied for a home mortgage loan with XXXX XXXX. In the process I was informed that I have a collection balance of amount {$140.00} reported on my credit. Firstly I am not sure where it came from and for the past three months I was working with my mortgage officer to figure out what it is and how to resolve it. I had a lot of hospital bills and I used to clear it off as and when required. I remember paying all of my bills around XX/XX/XXXX. Not sure about this debt and I need more information on the same. I tried to contact the collections company several times but no luck. I sent them mails twice ( on XX/XX/XXXX - First class mail and on XX/XX/XXXX- Priority mail the second time ). There is no response yet. I feel that I have been patient enough in waiting for a response after multiple attempts. I am helpless now and not sure what to do. My credit score is down for no reason and I am in a situation to pay more monthly mortgage which is totally unfair. From what I have researched so far, to the best of my knowledge I think this is a UDAAP violation. Looking for support.
Product: Credit reporting or other personal consumer reports

ILOST my wallet along with my XXXX card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted a complaint to the Consumer Financial Protection Bureau case # XXXX detailing how XXXX XXXX XXXX XXXX XXXX had reduced my XXXX XXXX XXXX XXXX from {$14000.00} to {$2800.00} a day after I made a {$10000.00} payment. After contacting XXXX numerous times and being told there was nothing I could do about it, I closed my account and stopped payment of the {$10000.00} payment I made the day before. I stated to CFPB as well as to XXXX that I had never been late with my account and it was customary for me to make several large payments every month as I used that credit card heavily because of its rewards feature and that it was a poor business practice to cut someone's credit limit 80 % without any form of contact to the customer. They never called, texted, or emailed me informing me of the reason for their actions. After complaining to a high-level supervisor at XXXX they finally mailed me a letter saying my credit score had gone down. I have NO LATES with any of my current or past credit cards ( currently I still have almost {$120000.00} in credit limits with my current credit cards ) but it's their credit card and they can do what they want so I accepted their decision. My problem with XXXX currently is that their idea of " fixing '' my issue is to show a closed account with a credit limit of {$12000.00} instead of {$2800.00}. The problem I have with that is that it still shows me with a history of being over the limit and subsequently lowers my credit score. In addition, XXXX showed me 30 days late in XX/XX/2023 when their app showed me a minimum payment due of almost {$10000.00} due to the credit limit being lowered. When I spoke to the person at corporate, he said he would get both the credit limit on the closed card and the late payment resolved and he would get back to me in a few weeks with the resolution. Fast forward FOUR MONTHS and still nothing has been resolved. XXXX 's actions have severely impacted my credit score as well as my reputation as a reliable and responsible credit credit-worthy individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had multiple issues with the initial company : XXXX XXXX XXXX reporting incorrect information to TransUnion and XXXX. On XX/XX/2016 I signed a rental lease with XXXX, the leasing manager. On XX/XX/2016 I returned one mail key, apartment key, and even a money order for {$440.00} for the time I was there. I had to move out because XXXX was verbally increasing my rent which was different than the price stated on my rental agreement. I gave XXXX XXXX XXXX  written notice I would be leaving. I physically came into their office to give them this notice and my keys ( where cameras are available if further investigation is needed ) and this company fraudulently reported to the credit bureau I owed : {$3800.00}. Upon moving out, I spent some time cleaning the apartment to make sure I left it better than I received it. This is important to note because when I first complained about this issue, the apartments claimed there was an error in their charges of the apartment after move out and lowered the charge to {$3000.00}. 

This charge has stayed on my credit for many years and TransUnion and XXXX  have not been able to investigate properly. They keep requesting more information from me, which I do not have. TransUnion and XXXX  are supposed to gather all information from XXXX XXXX XXXX in order to investigate properly. XXXX XXXX XXXX has not been able to prove this debt belongs to me because they do not have sufficient information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company stated they do not do hard inquiries, but they are on my credit report. I would like them removed please. Thank you.
Product: Credit card or prepaid card

I purchased on order XXXX two XXXX XXXX from Wayfair on line. 
I received the product and had it installed. Upon reviewing the packing slip it showed that the product could cause cancer. This is on top of my kitchen table where my family sits everyday. I called and nothing happened. I filed a claim with the XXXX XXXX XXXX and someone called me and I was informed that they would take the product back and issue a refund. I explained to him that at that time the State of Illinois had shut down all the businesses and I couldn't get nor did I want someone at my house. He said that would not be a problem. However, in XXXX when I was able to get someone to have it down, I could not get anyone to return my call.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX XXXX is supposed to ensure Maximum possible accuracy this account violates these laws 15 usc 1681 15 usc 1681s2 15 usc 15 usc i5 15 usc 1681eb Delete account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received an email from XXXX stating my wages would be garnished XX/XX/XXXX as the result of a judgement I had no knowledge of filed against me in XXXX. I was XXXX years old in XXXX and can provide a copy of my drivers license to prove my identity. Obviously, XXXX XXXX XXXX, who XXXX XXXX XXXX and XXXX XXXX XXXX of Rausch Sturm is representing, is collecting a judgement against the wrong person. In addition to that, the 10 year statute of limitations for the state of Arizona has long passed. XXXX XXXX XXXX and XXXX XXXX XXXX of Rausch Sturm, for XXXX XXXX XXXX, are garnishing my wages illegally. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX and XXXX XXXX XXXX, of Rausch Sturm, via email XXXX and explained that XXXX XXXX XXXX, the company they are representing is collecting from the wrong person and that I was XXXX, turning XXXX years old in XXXX when the judgement was filed. I left all of my contact information and have had no return contact. As a result of XXXX XXXX XXXX and XXXX XXXX XXXX, of Rausch Sturm, helping XXXX XXXX XXXX illegally garnish my wages, on XX/XX/XXXX, {$520.00} was taken from my paycheck for a debt that I do not owe. I have consulted an attorney which I will have to pay to represent me to stop this illegal wage garnishment, and will have to take time away from my job to collect papers pertaining to this case from the courthouse.