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

In accordance with the fair credit reporting act, the list of accounts below has been violated my federally protected consumer rights to privacy and confidentialality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 
15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN PERMISSION. 

15 USC 1681C ( A ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEM OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN SEVEN YEARS. 

15 USC 1681 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO CONSUMER TO ANY CONSUMER REPORTING AGENCY. IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE..
Product: Debt collection

On XXXX XXXX 2017, I requested verification from this company of the debt that they claim I owe. They never responded to me, nor did they provide me with the requested verification. It has been 88 days since I requested this information and they have yet to respond to me. The alleged amount owed is {$28.00} yet I was never made aware of this debt.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an item on my credit reported dated on XX/XX/2020 from Wells Fargo Home Mortgage stating that there was a dispute regarding my mortgage payments that went into a forbearance due to COVID-19 consequences.

I have never filed a dispute with Wells Fargo, yet they listed that I had a dispute with them and it now shows on my credit report.

I did however, had a disagreement over the phone with the representative I spoke with. I told the representative how misleading was the Wells Fargo advertisement for homeowners seeking assistance through COVID-19. It was a conversation I had over the phone with the representative of Wells Fargo. I never filed a dispute. In fact, I initiated mortgage payments after the forbearance period was over. And by law, my credit should not be negatively impacted. 

I had no idea that having a conversation over the phone with a Wells Fargo representative would lead to them negatively impacting my credit score. Absurd!
Product: Mortgage

While I was sick, this company took two mortgage payments from me. Thus, putting my family into financial hardship during the worse time. I called them last week ( XXXX, XXXX ) and I had to wait on hold several hours and call back many times. I left messages upon messages with three different managers. The representatives were telling me there's nothing they could do. Finally a manager calls me and states she may be able to cut through red tape and get me a refund. She stated I would see my money back into my account by XXXX. I called three times today and left two messages. Still no money and no call. These people are scammers.
Product: Debt collection

The collector is XXXX. Originally Fortiva with XXXX XXXX system. XXXX in total is owed. In early XXXX the company contacted my stepsons mother who was away on vacation regarding the bill. Not sure how they found her number and I do not share my business with her nor are we close friends. Two weeks later, they contacted my stepson about this same bill. I spoke to XXXX and her manager indicating I was not sure when I would be able to pay possibly at the end of the month. I do want to rectify it. They continue to harass and call repeatedly on different local numbers. Each one I block. They are now sending emails to my email account as recently as of last week, around XX/XX/2023.
Product: Payday loan, title loan, or personal loan

I attempted to check my credit score. My SSN wasnt accepted and so i wasn't able to apply for a loan. I was also denined completing my tax return.
Product: Payday loan, title loan, or personal loan

Received an online payday loan and have been placed on medical leave with XXXX XXXX Now only receiving XXXX of my income on XXXX I am in Nebraska I am afraid to contact the online company and they keep charging XXXX a month fees So I borrowed XXXX now it is up to owing over XXXX I want to contact a debt relief company to help me deal with this Wanting to know can this company charge these fees and interest in Nebraska for an online Payday loan Thanks
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE THANK YOU XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I have a account on my credit from WF/XXXX acct number XXXX I have disputed this acct it came back verified and I am requesting information to be sent to me on how it was verified if that can not be provided to me i am requesting that this be deleted immediately. 
15 U.S. Code 1692g - Validation of debts Failure to send the consumer a written notice of the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX : 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 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Department, I am writing to dispute unauthorized inquiries and incorrect accounts appearing on my TransUnion credit report. Under FCRA 611, I request an immediate investigation and removal of the following items. 

Unauthorized Hard Inquiries The following inquiries were made on my credit report without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VERIFY Incorrect Accounts That Do Not Belong to Me The following accounts were either fraudulently opened or incorrectly reported and must be removed : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I have made a purchase of {$300.00} of XXXX gift cards and {$45.00} of XXXX gift cards from XXXX XXXX XXXX ( XXXX ). 
The XXXX gift cards ( electronic ) do not work as I attempted to use them on variety of items on both XX/XX/XXXX and XX/XX/XXXX. I have brought this issue to XXXX including a case number and the issue was ignored. 
On XX/XX/XXXX I have contacted XXXX XXXX XXXX representative who assured me that the XXXX will result the issue as their position is that it is not XXXX XXXX responsibility but XXXX to honor them. After spending over 30 min on hold and despite informing the CSR that XXXX XXXX refuses to address the issue stating that the cards are valid, I was again transferred to XXXX XXXX on premise that they are responsible for the issues regarding and not XXXX. XXXX again refused to address the issue stating that their record show no Gift cards were actually sold on the transaction in regards of the original XXXX XXXX purchase. 
It is apparent that the XXXX XXXX feels that it has no responsibility to address the issue while XXXX states that it is seller 's responsibility, not XXXX 's to address them. 
I think both XXXX and XXXX XXXX is not willing to address the issue here.
Product: Credit card or prepaid card

I have previously filed a complaint against this credit card company. I have not used this credit card in over a year and I have made payments of at least {$20.00} a month. However, every month I have been hit with overage fees. There has also been charges made to the card that wasn't made by myself. At this point I believe the account has been closed and now there is charge off on my credit report despite a payment being made every month.
Product: Checking or savings account

Friday, XXXX XXXX, XXXX drive up lane deposit of {$700.00}. Teller deposited funds into someone else 's account. Saturday, XXXX XXXX, I noticed funds were not on my account balance upon checking the bank app. Went to local branch and XXXX ( XXXX ) informed me that XXXX had deposited my {$700.00} into the account she was working on just prior to my transaction. He gave me a case # and told me a manager would have it corrected on Monday, XXXX XXXX after a full business day. It was not. Tuesday, XXXX XXXX, I spoke with XXXX over the phone and he said, if I hadn't heard anything by Weds. XXXX XXXX to give them a call. This concerned me so I called and spoke with XXXX XXXX in XXXX, Ohio. XXXX told me that unfortunately it was a process, but that my case would be corrected no later than Thursday XXXX XXXX and it was not. Friday, XXXX XXXX I went to my local branch and the manager behind the counter acknowledged the mistake and credited my account the {$700.00}. She said, it may " fall-off '' overnight into Saturday but if it did, she would repost the credit. Saturday, XXXX XXXX the account did reflect that the funds " fell-off '' but they were not reposted. Tuesday, XXXX XXXX, I went to the branch once again. They repost the {$700.00}, handed me a balance receipt showing {$1000.00}. I withdrew the {$700.00} back to myself leaving a balance of {$330.00}. XXXX, XXXX XXXX, I receive an alert indicating my account is overdrawn by {$360.00}. I called customer support and XXXX informed me that it looked like I had authorized the withdraw of the remainder of the balance. I told her I only withdrew the {$700.00} leaving the rest for a balance and that i had the receipt. She acknowledged that was the case, spoke with the individual handling the case and they corrected the account. However, she could not tell me if the credit back to my account was permanent or temporary. With that information, I went to a local branch, withdrew the balance of {$330.00} and requested to close the account. The teller, who had no name plate, gave me the funds in their entirety and said they would close the account as soon a pending charge that had already been paid came off. I do have three separate receipts with correct amounts and correct dates but I don't know how to attach as requested as optional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled all three credit reports and I began disputing errors. I sent the first set of letters XX/XX/, second XX/XX/ and third XX/XX/. I also provided copies my drivers license and social security card as proof, that their reporting incorrect names, address, verification of accounts but not response to any of the letters.
Product: Student loan

Navient took over a false parent plus loan from XXXX, which XXXX applied for in my name after I was denied without my permission and/or authority. In speaking with XXXX from the Department of Education she got her supervisor on the phone who explained that after my denial of a parent plus loan, XXXX applied for a parent plus loan in my name without my permission and/or authority and that loan was approved. I have made several attempts to dispute this loan and provided my proof of documentation of my denial, which Navient and Dept. of Ed. continues to place blame on one another and pass the buck on whose responsibility it is to correct this problem and they continue to place it on my credit report, which is driving down my scores and costing in buying a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following ; US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Mortgage

First your site timed me out while typing so I now have to type my complaint again. I do not type quickly as I have an injury that caused a XXXX as is now finally healing so please adjust your site to ask if the applicant needs more time. 
My complaint was filed with your agency before and also with the Florida Office of Financial Regulation twice. All were closed without a proper response by HSBC Bank. 
HSBC did an illegal modification of my home equity line agreement which was on time and up to day with additional principal payments in XX/XX/XXXX without benefit of income verification nor my acceptance in accordance with their own home equity line agreement. I was denied XXXX times for modification with the reasoning of too much income, too little income, and no income. The latter was for a program designed for borrowers anticipating receipt of future income. For me this was Social Security XXXX which I was later awarded. Yes, I was declined for having no income at the time of application. 
I advised XXXX XXXX of HSBCs intent to foreclose. I was advised they never knew about it so they wo n't do anything to stop it. I worked for XXXX XXXX since XXXX Bank. I made sure that HSBC received the completed subordination agreement in XX/XX/XXXX and when the modification of my XXXX mortgage was applied for they were again notified in writing. I have a copy of the XXXX XXXX file provided by the XXXX XXXX Modification Department. These copies show they were notified yet they do not want to do anything. 
While recovering from significant injuries sustained in a car accident caused by an older man with cataract and subsequent complications to XXXX XXXX XXXX, XXXX XXXX, and XXXX, I still paid these inflated payments with reduce income exhausting my personal savings and my retirement in the process. This als had a negative impact on my credit history bringing my nearly XXXX beacon score down to XXXX. I am a XXXX by profession. I had several job offers given my experience and references, but once my credit was reviewed, the offers employment were withdrawn. I was previously well respected in my field. This was heartbreaking on the top of injuries to loose what I had worked so hard for and not be able to support myself. I was forced to accept a position as XXXX earning {$XXXX} from my prior low income of {$XXXX} as they did not review credit. This violation of my rights has caused me significant hardship. 
I have been in contact with the office of Congressman XXXX XXXX XXXX. A representative, XXXX XXXX XXXX, has consented to assist me as she feels strongly that my rights have been violated. She has copies of my Heloc agreement, the Intent to foreclose, the previously filed complaints and other documents. I am currently awaiting a response to a message I left advising that I had obtained the XX/XX/XXXX - XX/XX/XXXX bank statements from from XXXX XXXX Bank on an account I closed in XX/XX/XXXX. I am confident now that with both the Congressman 's office and the Bureau of Consumer Protection on my side that there will be justice and HSBC will be held accountable for violations and they injustice they have perpetrated on an innocent consumer.
Product: Credit card or prepaid card

My Wells Fargo account and credit card was closed with no information on why they closed it.. I. always paid more then my minimum payment on card and always before the date.. when I contacted them they would not give me any reason in why they closed. My accounts ..it happened about 8 years ago mayb more dont really remember dates
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My personal information has been used without my knowledge to apply for credit with numerous lenders. Transunion is refusing to help me. 

Fraudulent Inquiries on Transunion 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 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 XXXX. XXXX / XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested information on my credit report to be verified and they never got back to me and it's been well over 30 days.
Product: Checking or savings account

ach debits from my account not authorized XX/XX/ {$3000.00} XX/XX/ {$3500.00} XX/XX/ {$3500.00} XX/XX/ {$3500.00} XX/XX/ {$250.00} debit card XX/XX/ {$7500.00} software did not work wire transfer XX/XX/ {$15000.00} scam wire transfer XX/XX/ {$5200.00} scam wire transfer XX/XX/XXXX  {$4800.00} scam all this was reported the the bank but no action was taken
Product: Debt collection

upon checking my credit report I seen that I had a negative balance of {$1200.00} I called XXXX XXXX which was the owner of the credit card they told me that the account was sold and portfolio recovery Associates had my account I called Portfolio recovery told them that my credit card was stolen out of my workplace I used to work as a XXXX XXXX  there was a XXXX that I attended to next thing that evening I found that my wallet was missing my boss which was a XXXX simply just gave me money to get home and at that time havent any knowledge to go to the police department report my wallet being stolen So I can have proof of this fact and now Im trying with Portfolio Recovery Get this matter solved on several occasions they send me a packet containing no valid proof of billing to this amount {$1200.00} I immediately recalled them back and still no help they say they cant send me what they have in the there computer so now This is one of the steps Im seeking help to gain the necessary clearance of negatives on my credit reporting That isnt valid charges thats bazaar yes Im complaining against portfolio recovery Associates I spoke with many agents. Dated my information to be reached everything even spoke with Senior account executives by the name of initials XXXX  First  name XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account XXXX : XXXX has violated my rights DEPT OF ED/XXXX  Account Number : XXXX has violated my rights DEPT OF ED/XXXX  Account Number : XXXX has violated my rights 15 U.S.C 1681 Section 602A I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions
Product: Credit card or prepaid card

I make my payments these companies take forever to debit the funds and I keep my cards locked so that my money is taken by hackers or scammers. This is posing a problem for me because my balance has increased and when I think my payments are in they arent. I asked for my balance to increased to get rid of the fact that it looks like I spent over my limit. Im not in the habit of using my cards if I dont have the funds available. This company has caused me to have a late payment on my credit report. Im not having a difficult time paying though the interest keeps going to the moon Im trying to keep my cards paid and on time. Because they have poor practices this is causing my credit to be hit negatively. I have never had a late payment and now I do.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

I was notified by my credit card company ( firstbankcard ) of fraud on my card. They immediately cancelled the card and notified me that a new card would be issued and that my old card balances would be transferred onto my new account. In addition, I would not be able to access my online account until the new card and balances were transferred. When I got the new card and viewed the online statement I was charged late fees and interest for an overdue payment on the old account/card which I had no way to access or know about. When I contacted the credit card company the fraud investigator ( XXXX ) from firstbank card was hostile and told me I just should have known it was owed or called them. I told her I could n't even access my online account during the time period in question because they closed it out and I do n't even have any detail on the balance due that I supposedly should have paid.