23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my job requirements, I have regularly lived for various amounts of time in XXXX XXXX, XXXX, and XXXX, TX. While living in XXXX in the spring of XXXX, I was introduced to an attorney, XXXX XXXX, who was also know as " XXXX '', who billed himself as a collection attorney. I gave him some accounts to collect that belonged to a couple of my family members and myself. XXXX XXXX specialized in saving persons ' homes that were set to be foreclosed on, while not injuring their credit. What he would do is add the victims ' ( meaning me XXXX name to the title of the debtor 's home. Then XXXX would file a BK under the victim 's name ( again meaning me XXXX which would provide an automatic stay on any foreclosure for 6-12 months, allowing the borrower an indefinite time to stay in their house without paying a penny. He charged from $ XXXX {$10000.00} for this service. I discovered this had been done to me after a couple of months and immediately had the XXXX dismissed and filed the appropriate ID Theft documents with the Government and the Court. XXXX XXXX eventually went to prison. But since XXXX, I have suffered with having a BK on all of my credit reports and having to pay higher interests rates, etc. or being denied credit outright. I have disputed this regularly with the credit agencies and XXXX XXXX, but XXXX XXXX just keeps reporting to the credit agencies that it is valid. If I ca n't get any relief from this complaint, my next step will be filing a lawsuit for damages, and I have had many.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : misleading false reporting you can not report late payments on a charge off XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA
Product: Student loan

I have tried numerous times to lower my monthly payments and was told i need to consolidate my loans which i did my payments at the time were {$870.00} i was trying to lower it further was advised to take advantage of some of the programs to maintain my loan forgiveness ( I work at a local state agency ) and since doing that XXXX to be exact the amount of my monthly payment has slowly rose to {$1000.00} which happens to be due XX/XX/year>. The total amount of my student loan is {$150000.00} which has been increased becaused it's taken so long to get results meaning lowering my payments i've done everything they recommended and still my payments go higher. I am referring to Parent Plus Loans that were in my name and my name only not sure why my husbands info is even a factor when he has student loans as well that he took out for our sons.Please feel free to call me anytime with questions XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX card says closed. When I call XXXX XXXX  they tell me it is open. I was told that if I make payments on time that my account would reflect. My company list work due to covid. I called. And was told my account would not show any late pays. But it does XXXX XXXX XXXX XXXX XXXX is not suppose to show late. And XXXX shows closed this is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX  ( Original Creditor : XXXX  XXXX  XXXX  XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Checking or savings account

In XX/XX/2019, I moved from XXXX, PA, to XXXX, NY. In Pennsylvania, I had a checking account at Wells Fargo, specifically at the branch located in XXXX, PA. 

After moving up to XXXX, I transferred most of my remaining funds from the Wells Fargo account to a bank up here. I called Wells Fargo to ask about closing my account, and they told me that the only way they could do so would be if I were to present myself in person at a Wells Fargo office. There is only one such office here, but it turns out to be only an investment brokerage, not a bank branch. The people at the Wells Fargo office in nearby XXXX XXXX, NY, told me that the closest branch of their bank was in XXXX, NY, about 2.5-3 hours drive from here ( XXXX is about 4.5-5 hours drive from here ). 

I've been too busy creating a new life here to drive 5-10 hours round trip just to close a checking account, so I let it slide. I've done so before, and banks have simply closed my account. However, I realized recently that a company in which I own some stock, XXXX XXXX, has been continuing to direct deposit small ( {$15.00} ) quarterly dividend checks at the Wells Fargo account. Wells Fargo has, in turn, been charging me a monthly below minimum balance fee from those checks.
Product: Mortgage

I believe Wells Fargo purposely kept saying they hadn't received documents for my loan modification and asking me to resend ( over and over again ) while they waited for the interest rates to go back up. I was told that if I did a loan modification that my payments would go down but instead they went up! Something that was supposed to help us with all the financial trouble we had because of CoVid has instead added so much stress to our lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity Theft! l Please delete these items IMMEDIATELY! 


These accounts should not be fumished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 1 NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT, IS IDENTITY THEFT. As a consumer, I am demanding the deletion of accounts listed IMMEDIATELY! 

I have attached my Identity Theft Report
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 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: Student loan

I took out a parent loan to assist in putting my son through college. This loan is ridiculous. The interest rate keeps going up, it is now 8 %. I originally borrowed {$12000.00} at the end of the loan period on XXXX/XXXX/XXXX I will have paid back {$34000.00}!! My monthly payment is XXXX and I always pay {$150.00}, this is getting me nowhere. I am hoping there is some way for you to help me. At this rate I will be in debt with this company until after I retire or later if the interest rate continues to climb. Please help or give me advice as to what to do. Everyone I have contacted says they ca n't help because it is a parent loan and not a student loan. I thank you in advance for any help you can give me!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00}
Product: Checking or savings account

I made a deposit into the ATM at Wells Fargo on XX/XX/2023. The deposit was made for {$1200.00} and I only got credit for {$1000.00}. I directly went into the bank after this happened and they redirected me to call customer service as they are unable to do anything regarding the ATM deposit and also mentioned its happened before. I advised them that whenever I make ATM deposits, I always count the cash before making any deposit since there is a live feed recording on the ATM and it gives me peace of mind that if I make a deposit and I get credited the wrong amount to my account, it is easy to review. Wells Fargo issued a provisional credit on XX/XX/2023 and then reversed the credit. I called Wells Fargo regarding the situation and they said nothing can be done. I find it unfair to make a deposit and not get the right amount issued into your bank account and then get penalized for an error on the bank 's behalf.
Product: Debt collection

A representative from Lockhart, Morris, and Montgomery named XXXX, called and said that I owed XXXX XXXX XXXX  for not completing a contractual agreement. I resigned driving over the road because of lack of home time, which XXXX said they would schedule and did only twice in a four month period, and poor treatment of staff. The agreement was for a total of XXXX miles of driving. There was a {$5000.00} penalty for not completing and I incurred a ticket for {$6000.00} which payroll deductions were being made. The debt collector added a {$2500.00} fee which I could not agree to pay, I believed it was an excessive amount and could not remember seeing that amount in the original paperwork. I refused to agree to anything which included this fee. The amount taken through payroll deductions reduced the debt to around {$10000.00}. XXXX told me that if a paid roughly half, {$5000.00}, he would waive the fee, not report this to the credit reporting bureaus, ( XXXX, XXXX, and XXXX XXXX ), and schedule a payment plan of {$120.00} a month.The {$5000.00} was paid on XX/XX/XXXX, of  which {$3000.00} I borrowed from a friend. On our next communication, XXXX said that I only had 10 days to pay the rest of the amount. I told him that I did not have that amount and demanded my money back, at least the {$3000.00} that I borrowed from my friend since he would not honor what we had previously discussed. He refused to do this. I told him that all I could afford was {$120.00} a month or he could wait for the court outcome for the {$6000.00} ticket which was being litigated. I then receive an alert from a credit reporting service that an amount of {$7800.00}, this includes the {$2500.00} fee, was reported as in collection to XXXX, XXXX, and XXXX XXXX as of XX/XX/XXXX and again XX/XX/XXXX. They also did a credit inquiry on XX/XX/XXXX which I did not authorize. I also told XXXX not to call me before XXXX and he made at least five more calls after this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus say they have completed an investigation and have verified these inquiries. I have no idea how because these are not my inquiries. 
This is Inaccuracy and false reporting. And they are really hindering my credit report. 
TO WHOM THIS MAY CONCERN PLEASE HELP!! 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX  Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Miscellaneous XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Mortgage Brokers XX/XX/XXXX XXXX XXXX  Mortgage Companies XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXXXXXX All Banks XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX  balance {$120000.00}, XXXX XXXX balance {$2700.00}.
Product: Debt collection

The Company Resurgent Capital Services purchased a debt from XXXX c/o XXXX XXXX and i had no involvement with the transaction. 
According to 15 USC 3002, I am a natural person which means my name in ALL-CAPS isn't me, My name is XXXX XXXX XXXX 15 USC 1692 ( A ) ( 1 ) the term " Bureau '' means the Bureau of Consumer Financial Protection, herein as " CFPB ''. XXXX, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the " CFPB ''. On XX/XX/year>, Congress enacted XXXX XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and therefore subject to the proper regulation and restriction ; and whereas the existing emergency had disclosed the provisions of obligations which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts.

15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) 1 ) e to equa ustomer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process a XXXX was unfair XXXX deceptive, as they did no. '' comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report from Innovis XXXX XXXX XXXX. I noticed inaccurate and incomplete information. Pursuant to XXXX XXXX XXXX reporting this information is a violation of my right to privacy by reporting non public personal information without my permission or written consent. I am requesting immediate deletion of this data and I formally OPT OUT of any further reporting of such information. The accounts in dispute are attached.
Product: Credit card

I was in the XXXX XXXX on vacation when charges were made to my card without my consent. The charges were XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This is a total of USD XXXX. I was also charged foreign transaction fees on this in the amount of USD XXXX. Wells Fargo continues to charge me interest fees on these purchases as well. So far I believe I have paid close to USD XXXX in interest. I have filed a police report with the city of XXXX, Ga ( Case Number # XXXX ), opened three different fraud disputes with Wells Fargo, spoke with investigators at Wells Fargo, gone into a branch to speak with the manager, and spent countless hours on the phone with them only to have all my claims denied. They claim that since I told them I had the card in my possession and a chip transaction was used I am liable. When I went into the branch, I showed the branch manager the card and she said it looked like my card had been tampered with. It looks as if the chip was taken off and replaced with a different one. When in the XXXX XXXX, we stayed at the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. We went straight there from the airport and never left once we were there. My wife as well as the friends we went with will testify to this. There was no way for me to make these charges while there. I did not go to these establishments nor know what they are. I am at my wits end with this and do not know what else to do. Please help!
Product: Credit reporting or other personal consumer reports

I have been disputing the accuracies of the XXXX funding for the last XXXX year to the three major credit reporting agencies. each time they say it meets the FCRA requirements. How can this be if all three credit reports report something different on the account. This is unsatisfactory to me as the consumer who has to put trust and confidence these agencies to do the right thing. it is a must that XXXX XXXX removed from my report from the three credit reporting agencies immediately due to in accurate reporting practices and procedures. it is time that these report agencies are help accountability for the lack of due diligence thats has been show on multiple occasion to multiple consumers. I have submitted multiple reports showing the inaccurate reporting only for those report to fall to XXXX eyes. It is my right to have this inaccurate reporting rectified.
Product: Credit card or prepaid card

I had an credit card account with Bank of America. Since I traveled frequently, .. it could be several months between the time I could reconcile the statements. I began getting charges in late XXXX and early XXXX for a materials supplier in New York ( and various other vendors ). These turned out to be changes made by XXXX ... and XXXX XXXX XXXX ( estranged adoptive family members ). I also found out that Bank of America was allowing XXXX to have access to my account to make payments and balance inquires. I requested that BofA stop all such activity. I was informed that XXXX ( and XXXX XXXX ) had enough information about me to bypass any security measures they had. I asked to have the account changed. BofA did so ... and the charges continued ( under the old number ). BofA told me there was no way to stop those charges, I have a XXXX Texas Police report on this and several other acts of theft and vandalism by XXXX, XXXX and XXXX XXXX. One of the incident numbers is XXXX. 

There have been over {$16000.00} in charges by XXXX on this account. There have also been over {$200000.00} in damages ( vandalism etc ) by XXXX and XXXX XXXX and her family. 

Bank of America is already in possession of all documents related to this. I have provided them multiple times over the years.
Product: Consumer Loan

GM Financial is assessing a monthly {$86.00} fee for not making my payment within 11 days of its due date. However, it is not 30 days late. When I contacted XXXX, they insisted that in lieu of reporting my less than 30 days late account to the credit agency, they were going to assess a late fee.
Product: Prepaid card

XXXX XXXX Received a letter from XXXX XXXX XXXX XXXX that I have not activated the card they sent me. They sent the letter to my current address in XXXX XXXX. Informed Money Network that XXXX card was never received. They informed me it was sent to my old address XXXX. I informed them of my new address DB and already confirmed with XXXX XXXX XXXX my new address was on file since XXXX. They confirmed this was true and Money Network has the wrong address ( old ) XX/XX/XXXX Fraud occurred hacker compromised the XXXX money network card that has {$700.00} on it. They spent at various places, then tried to transfer balance to their own bank. This transaction was flagged and they failed to do a bank transfer. Money network had the opportunity to close all cards sent to old address but did not and fraud occurred XX/XX/XXXX Money network informed me they need to verify my identity and new address. So I submitted documents. XX/XX/XXXX they said they received all documents and they were approved. In their notes they mentioned they agreed to send me a check, but would need to go through all fraud transactions. 

They are now making me wait another XXXX days when this is clearly their fault. I already told them early on I havent lived in XXXX since XXXX. They didnt do anything, and fraud occurred and my {$700.00} XXXX money network card was stolen and compromised
Product: Payday loan, title loan, personal loan, or advance loan

So this is my third complaint on this. Today Fundo drafted out {$100.00} which they should NOT have! My payment is not scheduled until XX/XX/XXXX and again I have proof. Worse I am in XXXX no power and they just stole my food money. This has got to stop enough is enough and now they are not answering their phones.
Product: Checking or savings account

I am being charged XXXX in overdraft fees by Citizen 's Bank. This is excessive while going through this covid pandemic. This bank has no regard to customers and continues charge me. 
Multiple times for the same overdraft I can't believe this is even allowed. 
Checking Account No. XXXX