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

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I am writing to inform that the company I used to send money through my bank regarding Zelle 's handling disputes that was stated in the recent lawsuit. Despite using Zelle multiple times and reporting issues, my financial institution failed to investigate my claims throughly. I was informed that removing lost funds was impossible and they were not able to track the funds. They neglected to protect me as well as my information, leaving me vulnerable to many scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

CONVERGENT OUTSOURCING INC . I RECEIVED LETTER FROM THEM IN XX/XX/2019. THE BILL WAS {$700.00}. I SETTLE WITH THE COMPANY FOR {$500.00} DOLLARS.THIS WAS PAID WITH MY DEBIT Card XX/XX/2019 THEY SAID BILL WAS NOT PAID. I SENT THEM A COPY OF MY BANK STATEMENT WHERE IT WAS TAKEN OUT OF MY ACC [ 'T.THEN THEY WANTED TO HAVE A CONFIRMATION NUMBER. I STATED THAT I NEVER RECEIVED ONE. THIS IS STILL ON MY SPOUSE AND MY CREDIT, AFTER ALL THESE MANY MONTHS UNPAIDED
Product: Debt collection

a Fraudulent company. Name Sequium www.sequium.com has contacted me in the form of an email to try and collect {$10000.00} from me. This is under investigation of 49 attorney general of the school XXXX XXXX University and collection agencies from all over all all trying to extort money from us, This is an 11 year old feud with XXXX this company as no right to send me an email I have no idea where they got my personal information. This issue is also under investigation my the state senator as well. This company has no right to send me anything. I want them added into the lawsuit for trying to collect an 11 year old dispute. They are the 7th company to try this.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Debt or credit management

Never paid amount to credit card companies, was supposed to pay {$10000.00} to XXXX XXXX  and XXXX but never did asked about it and was told it would be paid after I paid loan off. Paid loan off and money was not sent
Product: Checking or savings account

When handling checking and savings accounts Chase bank treats United States lawful permanent resents as foreigners and forces them to sign XXXX form. 

I am lawful permanent resident of the US and in XX/XX/2019 I had opened a checking and savings accounts with Chase. At the time of account opening I presented to Chase my passport withe XXXX stamp as a proof of my permanent resident status. 

Since the opening of my accounts I experienced difficulties with Chase as the bank required me to fill and submit to them XXXX form instead of the XXXX form. 

Chase rejected my multiple attempts to submit a properly filled XXXX from to them. First they rejected my XXXX form that I mailed to them early in XX/XX/2019. Then they have not processed my XXXX form filled by Chase 's branch associate and signed by my during my visit to Chase 's local branch in XXXX, MA. 

I accuse Chase of unfairly discriminating against newly arrived immigrants to the United States since Chase treats them as non-immigrant aliens and refuses to correct the clerical errors that cause incorrect classifications of permanent residents accounts as foreign accounts after multiple contacts by the customers informing Chase about the error.
Product: Debt collection

Caine & Weiner has reported an adverse action to CRA without notifying the consumer of the debt 's existence and has not notified consumer of their Rights under the law. This is the second violation of this kind by Caine & Weiner against me. This company refuses to adhere to Title 15 of the United States Code.
Product: Checking or savings account

i have a checking account and recently i get laid off from my job i accidentally make a mistake transfer money to another account and on XX/XX/XXXX i got a return fee XXXX dollars take out from my account i talk to the bank about my situation but the customer service don't want to help.
Product: Checking or savings account

On XX/XX/year>, Wells Fargo notified my adult children via email that their accounts would be closed on XX/XX/year>. I, nor my wife, were informed that this was happening. However, my adult children forwarded their emails and that's how I came to be aware of this. I stopped by a branch in XXXX, NC, and was informed that all was well, and my accounts were still open. When I got back in the car, I called the XXXX number and after numerous transfers, I spoke to a woman in fraud and she stated, " there is suspicious activity. You know what you did ''. No further explanation at all. 

On XX/XX/year>, our adult daughter, not an authorized person on our checking or business accounts, called a representative and spoke to a woman. She asked her, " did you make a {$75.00}, XXXX deposit to another account? ". Our daughter said no. The woman then said, " there's been a 3rd party check deposited to the wrong account ''. Our daughter then made an appointment to come into a branch the next day. 

On XX/XX/year>, our adult daughter went to a XXXX, NC, branch to discuss why her account was being closed. She was informed that after everything in her account clears, she will get a cashier 's check. She told the man whom she had the appointment with about the phone call the previous day with a representative. He called the fraud department and spoke to them in front of her. His demeanor then changed. 

We had no knowledge that a 3rd party check had been deposited into my business checking account. Instead of contacting me about it, Wells Fargo closed all of my accounts. At the end of the XX/XX/year>, Wells Fargo kept {$14.00}, XXXX from our checking account. They kept {$1200.00} from my business checking account. They kept {$60.00} of our adult son 's checking account. They refunded our adult daughter 's savings {$16000.00} and {$130.00} checking. 

Where did the {$16000.00} of my money go? Did it go back to the 3rd party? I have tried, to no avail, to get answers from Wells Fargo. 

Also, our adult daughter called a representative on XX/XX/year> to see if the funds from her accounts had been disbursed. To her dismay, and she recorded this call as it is legal to do so in North Carolina, the woman spoke in detail to her about the business checking account that she is NOT an authorized person on. 

I will also be filing a complaint with the OCC.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX, I had a Wells Fargo credit card Acct # XXXX. This is a card that my parents has opened for me 10 years ago, and was the only item on my credit that was helping my score stay positive. Unfortunately when I changed my address on the card about a few months ago, the card was randomly closed because Wells Fargo said the account was fraudulent. Even though there was nothing indicating that it was fraudulent. I am hoping this can get resolved. I have escalated this to the highest department at Wells Fargo, but since the COVID-19, I haven't been able to get a hold of anybody. I have a child and this is hindering my ability to do anything for him. I now have ZERO credit. : (
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX **** Balance Owed : {$790.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00}
Product: Student loan

I experienced exactly what is detailed in the lawsuit against navient. Upon graduation I was unable to find work in my field. I contacted navient to try to consolidate my loans to get a lower monthly payment. I was informed my loans were considered to be consolidated because they held all of my loans and my payment could be no lower than roughly {$250.00} a month ( while my wife who has XXXX in student loans more than me pays half ). I was told I did n't qualify for income based repayment. I was instead directed toward deferment and forbearance.
Product: Mortgage

My wife XXXX XXXX XXXX and myself ( XXXX XXXX ) contacted our mortgage company PHH late XXXX to get a loan modification. I explained to PHH that we were falling behind on our mortgage due to me needing a major XXXX and having to go out on temporary XXXX and I am not receiving an entire pay check. 

Since then the process has been a painstakingly slow and frustrating. On numerous occasions PHH has requested the same documents. I have spoken with at least three supervisor the last being a XXXX ( XXXX XXXX  ) on XX/XX/XXXX once again asking for the same documents. However out of everyone that I have spoken to XXXX was the most helpful. He asked me to fax over four additional documents. This process has taken so long that one of the document that XXXX had requested was sent at the beginning of the process was now out dated.On XX/XX/XXXX XXXX had spoken to me and had confirmed that everything was received. 

On XX/XX/XXXX I called back to get an update and once again I was asked for documents that were sent back in XXXX.
Product: Credit reporting or other personal consumer reports

I checked my XXXX XXXX account and notice that I have an inquiry on my report that I did not authorize. The inquiry is from XXXX XXXX  ; for XX/XX/2024. I immediately called TransUnion, since I didnt make this inquiry nor was I aware of it. A TransUnion agent told me to go online to their dispute center. I did so, and noticed that there are dispute buttons next to every section, besides the inquiries section. Therefore, I called TransUnion back and an agent told me that there is nothing they can do to help me. The agent was only able to put a freeze on my account ; nor did they help me with placing a fraud alert on my account. Note : I called XXXX XXXX  and was told that my information was not on file and they are unable to help me due to no information being in their system. Also, I sent a dispute letter through mail, to TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my Credit Report has been remove, and then they put it back onto the credit report. I have sent over proof of letters from the creditor itself, to remove the fraudulent accounts, along with police report, and identity theft letter. But XXXX, XXXX XXXX, and XXXX  all totally ignore both police, and letters from the credit as my proof. I can't afford a attorney at this time.
Product: Checking or savings account

On XX/XX/XXXX, I transferred {$1100.00} from XXXX XXXX to Capital One. That cleared & posted in my Capital One savings account on XX/XX/XXXX ( tracing id # XXXX XXXX XXXX XXXX XXXX ). I shut down my wells fargo account on the XXXX because the transaction had posted & was complete, therefore my account was finally {$0.00}. They wouldn't close my account until it was totally all over at Capital One. My {$1100.00} posted in Capital One on the XXXX - then on the XXXX they somehow, for some reason, reversed my entire checking account- they undid the transfer- but my XXXX account didn't exist anymore so there was nowhere else to 'return it to ', so now my checking account money is missing in cyberspace. I've spent hours on the phone with them, XXXX at them, dm-ing them, etc. for days & they haven't undone the reversal. So I'll be at least a week in XXXX with {$0.00} in my checking account- they won't even front me my own money back as they 'investigate '. They told me today that 'we 'll mail you a letter in 5-8 business days about the progress ' .... nor will they even reimburse me with any sort of token of apology for their blatant mess up. My rent is due in a handful of business days & they won't fix their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 
Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I request the removal of these inquiries. I am not informed about this, and the company took action without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a response form Santander, they have also sent a copy of the loan contract that I am disputing about. First I want to start by saying when it comes to fraud there are no statues of limitations. So lets start with Truth In Lending since this was indeed a consumer credit transaction under 15 USC 1605 THE FINANCE CHARGE i found 2 things I wan na bring to Santander attention that they are in Violation of : 1. Examples of charges which are INCLUDED in the finance charge include any of the following types of charges which are applicable : ( c ) Property damage and liability insurance premiums included in finance charge, Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge. SANTANDER did not include any insurance in the contract they labeled that section N/A. 2. The finance charge does not include charges of a type payable in a comparable CASH transaction. Since this was a Finance charge there shouldn't be any cash transactions, I had to put down {$1500.00} cash to acquire the vehicle. I have uploaded the contract between me and Santander for the CFPB to take a look at.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds even transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for the XXXX loan with Bank of American through their online application. On XX/XX/XXXX I received an email to upload documents regarding my business. I uploaded all documents on XX/XX/XXXX. On XX/XX/XXXX I received a call from XXXX XXXX from Bank of America introducing himself and saying that he was handling my XXXX loan application. On XX/XX/XXXX and XXXX I received an email saying that there were documents missing. I called XXXX on the XXXX and no answer and did not receive a call back. On XX/XX/XXXX I called again and received a call back from XXXX. During that conversation XXXX said that they did have all the documentation and to ignore the emails. I asked XXXX for an update on the application and when I will be getting the money. XXXX responded to me stating that the funds were depleted. I asked XXXX if my application was submitted and he got very nervous and said that he did not know. I asked, " Since you are in charge of my application how do you not know? '' XXXX said yes and no. And told me again that he did not know the status of my application and where it was and that he was going to look into it hung up, and still has not returned my calls. I strongly believe this is a case of unfair lending practices. That Bank of America never submitted my application because it was not beneficial enough to them or they are discriminating against small businesses.
Product: Credit reporting or other personal consumer reports

This is my 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment XXXX you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am angered by the Credit Bureaus indifference with regards to my disputes. I have been sending multiple letters addressed to the Credit Bureaus and the last letter I sent to the Credit Bureaus was on XX/XX/XXXX with complete attachments of my Personal information. But despite all my efforts to correct my Credit File, the Credit Bureaus have been ignoring the letters I sent as well as have been neglecting their responsibility to comply with the FCRA section 605b and continued reporting the fraudulent accounts on my Credit File. I am now submitting this complaint to request another investigation and have the items removed completely from my Credit File. I need the following items removed from my Credit File : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX  BANK XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}