23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX,2017 @ XXXX I was contacted by Capital One regarding my wifes debt owed on her Capital One Auto Loan. I am not on the account and the representative XXXX continued to discuss the debt with me. He did not give the mini miranda to me or ID any recording of the call until 2 min into the call. And after he already discussed the debt with me. Privacy Laws The Fair Debt Collection Practices Act governs the behavior of the debt collection industry and its representatives. It protects debtors by prohibiting debt collectors from utilizing abusive techniques when recovering delinquent debts. The FDCPA states that a debt collector may only discuss the details of your debt with you or your attorney. Collection agents can call you at home and can ask to speak with you if your spouse answers, but they can not inform your spouse of your delinquent account, as this violates your consumer protection rights under the FDCPA.FDCPA Violations Although the FDCPA notes that collection agencies do not have the right to discuss an individual 's debts with his spouse, that does not guarantee that all debt collectors will abide by this rule. Should a debt collector violate your rights by giving private information to your spouse or any third party, the FDCPA gives you the right to file a lawsuit against the company and collect damages of up to {$1000.00}. Should you choose to sue, you must file your lawsuit within one year of the date the violation occurred.
Product: Checking or savings account

I have an account with Bank of America and a credit union. I paid for a money order so the funds would be secured and released sooner. The bank put an 11 day ( 7 business day ) hold on the funds. I called the bank on XX/XX/XXXX asked to speak to a supervisor 3 times the rep would put me on hold then come back and just start taking again without any explanation why I couldnt speak to a supervisor. She finally said the credit union stated they wont release the funds for the 11 days. I called the credit union and they said that is false and they were willing to verify funds with someone from Bank of America. I called Bank of America back on Saturday spoke to a manager who said a rep from the credit union isnt sufficient for them to release the funds. She stated its their right to put a hold on the funds. She stated its a different kind of check then I normally  deposit. I corrected her stating I deposit money orders frequently and have never had this issue. The last two were a few weeks ago in the 800 dollar range and I didnt have this issue. I asked to speak to whomever is above her. They werent available today and would call me back Monday or Tuesday she said but they will tell me the same thing. I explained my biggest issue is I know it will only take a couple of days for them to receive the funds but they still wont release them to me until the XXXX. She said this is true. I explained my bills will be late by the XXXX and then I will have fees. She was unmoved. I also stated the reason I paid for the money order is because it is secured funds so I wouldnt have to put up with this. She wouldnt budge.
Product: Credit card or prepaid card

on X/XX/2017 -- -Syncb/XXXX XXXX , Fl XXXX XXXX XXXX XXXX -- -ran two hard inquiries without my authorization I have tried to call this bank tried to file a complaint to no avail?? Please Help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with Santander consumer usa since XX/XX/XXXX since .. 
I recently have gone through during the pandemic a hardships and have been late making a few payments
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be deleted right away. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

All three accounts have inconsistent payments history I have contact them As well to attempt to get this resolved before filing a complaint the payment history request which is in the complaint does not show any transactions and only shows one page but per FCRA laws and my rights Transactions and including late payments partial payment and Experiences between the consumer and the person making the report are not included in " consumer Report Please update my report as Paid never late as it violates 15 USC 1681 ( 2 ) ( a )
Product: Credit reporting or other personal consumer reports

TRANSUNION continues to report INACCURATE information. 

TRANSUNION report WRONG/INACCURATE information for employer. This is an old employer from 5 years ago TRANSUNION refuses to report ACCURATE information regarding my current employer TRANSUNION is reporting INACCURATE/WRONG employer information. 
XXXX XXXX XXXX XXXX is not my employer. This is an XXXX XXXX XXXX employer
Product: Debt collection

A statement of validation does not validate debt. No documentation has ever been sent, and the lack of documentation to support any validation being sent is against FCRA. NCA has provided different dates first providing validation was sent in XX/XX/2020 and the providing XX/XX/2020, both fraudulent and conflicting. 

A copy of all the conflicting signed letters from NCA will be sent to FTC and civil litigation for damages will be sought, if all collection efforts are not stop and CRA reporting ceased.
Product: Checking or savings account

US Bank is making unfair charges ( fees ) to my account. 
I am being charged an overdraft fee for a pending transaction. There was a deposit made to my account to bring it positive before the pending transaction was complete and posted to my account. The date of the transaction shown on my statement is the date it was initiated, however it usually takes two to four days for that pending transaction to be completed. The money does not leave my account or the bank until it is completed and posted. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX are dates when this has occurred. I have been charged {$36.00} for each date totalling {$100.00} for overdrafts that never happened. 
I should not be charged an overdraft fee for a pending transaction until the money is gone from my bank account, resulting in a negative balance ( not a pending negative balance ). 
I believe that they are processing debits to my account prior to the deposits causing the " available balance '' to be negative. Their computer system then automatically generates an overdraft fee charge to the account even though the actual balance remains positive. 
People used to write checks before they had money in the account, relying on the delay it takes for that check to be processed. US Bank is applying overdraft fees for the time that the transaction is still being processed but has not been completed.
Product: Debt collection

On XX/XX/XXXX, i was notified that a collection was added to my credit report from Rentdebt automated collections. I have never had any type of services nor have i ever had any contracts with this company. I was never notified by mail nor phone regarding this debt at all. I have tried to dispute this and the credit bureau stated that the company assures them that this is accurate and it will not be removed. I do not owe this company anything and my rights were definitely violated as well as reporting false information and damaging my credit and for trying to collect an amount i do not owe them. I also know that it is against the law for any courts to give out information. I want this removed from my credit file on all 3 credit bureaus immediately. If this is not solved in a timely matter i will take the next step and submit my complaint to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violation inquires from XXXX XXXX is not mine please remove it showing late on mortgage was never late correct that showing utilization 100 on wireless bill that effects my score
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint myself to you today requesting that the Credit Bureaus remove the fraudulent items I found on my Credit report. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX C XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX  XXXX XXXX Balance Owed : {$950.00} XXXX XXXX CO XXXX Balance Owed : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Student loan

I filed for bankruptcy and was told I couldnt include my school debt in it but it should have been able to be included because I have no income.
Product: Debt collection

Th e Educational Credit Management Co. ( ECMC ) is ha rassing me to pay a debt for a closed school I neither attended nor signed a loan agreement to attend and denied my request for a loan discharge in  accordance with procedures specified in paragraph ( d ) ( 6 ) ( i ) of 34 CFR 682.402 section A : ( d ) Closed School ( 6 ) Guaranty Agency Responsibilities  ( i ) Procedures applicable if a school closed on or after  XXXX   XXXX ,  XXXX , but prior to  XXXX   XXXX ,  XXXX .     ( A ) If a borrower received a loan for attendance at a school with a closure date on or after  XXXX   XXXX ,  XXXX , but prior to  XXXX   XXXX ,  XXXX , the loan  may be discharged i n accordance with the procedures specified in  paragraph ( d ) ( 6 ) ( i )  of this section.     ECMC confiscated my  XXXX  tax refund without a MPN on file and is aware the  XXXX   XXXX   XXXX   XXXX  has closed for recruiting violations in  XXXX  but is still attempting to collect my  XXXX  refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX and Address XXXX XXXX XXXX XXXX XXXX XXXX Ca 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple complaints since 2017 regarding theft and fraud. According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item WHICH MAY INCLUDE, BUT NOT NECESSARILY, contacting the furnisher of the information. However, I only receive " feel good form letter '' that don't accomplish anything. See last two replies from XXXX  and Transunion. I have filed affidavits and sheriff 's report. XXXX and Transunion send information and complaints to the furnsihers who in turn deny everything without investigating. I have sent information time and time again and then when I call they don't know what I am talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT A DISPUTE TO EXPERIAN IN REGARDS TO A UNVERIFIABLE BANKRUPTCY, EXPERIAN VERIFIED THE BANKRUPTCY, I CONTACTED THE COURTHOUSE THEY SAID THEY DONT DO BUSINESS OR VERIFY ANYTHING WITH THE CREDIT BUREUAS.
Product: Credit reporting 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 automated XXXX XXXX For {$560.00} AND XXXX XXXX XXXX XXXX XXXX For {$1900.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$5900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/2022
Product: Mortgage

During the loan restructure process, Wells Fargo foreclosure department took over and foreclosed on my home. This occurred in 2003. My home was sold for approximately {$120000.00}. It was a five-bedroom three bath home less than a mile from a country club, churches, schools and shopping!! 
I tried to tell the foreclosure department that I was working with their loan department, but they ignored my argument and proceeded to foreclose on my home, even thought I had letters agreeing to my restructure loan. 
Unfortunately, these letters have been lost due to subsequent multiple moves and resultant divorce. 
I apologize for the delay in filing this complaint, but things were hectic after the foreclosures with several moves, the divorce and my eventual leaving of Missouri to Texas and now Florida for medical reasons.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

Good Evening, Several credit disputes were sent to XXXX, Equifax and XXXX regarding the derogatory information on my credit report. It's not fair that these credit bureaus are not governed by law to respond any dispute requests that are sent to them. 

I want the below accounts investigated properly and I want a response back. I have been disputing these accounts for over 6 months. This is unethical and unacceptable. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please start your investigation and verify this at once. - This is completely inaccurate. I would like to kindly bring to your attention that the data presented above appears to lack certification to meet the required reporting standards. Additionally, it is essential to acknowledge that this information may be incomplete, outdated, or unsupported. Therefore, I respectfully request the removal of any inaccurate or unsupported material from this record.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Experian and XXXX and XXXX Credit reports are 2 inaccurate 's which are 2 inaccurate accounts which are the 2 XXXX XXXX XXXX XXXX Accounts the first account list placed for collection when I paid the account balance in full It's listed on the account that I paid the account balance in full but should state it where the place for collections should say account balance paid in full the Second account balance is paid in full as well and it states it on the account both are inaccurates
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY CHILD SUPPORT Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX COLLECTION ACCOUNT JPMCB - CARD SERVICE Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY MACY'S/DSNB Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY SNAP-ON CREDIT Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY XXXX XXXX  XXXX Show Details XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN BANKRUPTCY ALL FILED TO FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 is the start of the problem. I have tied to call and talk to someone I wasnt able too it said it had to be online chat and it hung up on me. I messaged thier Customer Service agents after that quite a few times and they never got back to me. One agent started a conversation and told me she would be able to help me and then never responded back to me. I have reported them over and over on my credit report after I have tried more then 5 times to close my account which they never did. It's a secured credit account in which is all my money in the account and they closed my account saying they need more information to verify my identity which I sent them multiple times my information which is very concerning giving them final personal information to begin with. Now my credit is poor after I have been trying so hard to get my credit up to XXXX now it's XXXX because of Self XXXX XXXXr ruined it.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX thru XX/XX/XXXX BB & T bank received wire from international correspondent bank in XX/XX/XXXX. Since then numerous fees in the amount of $ 97,000.00+ have been requested via email to be paid for release of beneficury funds. These monies are asked to be sent to XXXX XXXX & XXXX and business accounts. upon research business are all small and varied states. All emails come from BB & T board members emails. 

Another person contacted me as he too complained of the same problems with his wire from same correspondent international bank to BB & T.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$10000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

I have contacted the company multiple times. I have called, sent letters, faxes, and filed disputes. I have proof that all payments were made on time. The loan was paid in full of XXXX of XXXX and closed. They finally corrected my credit report at the end of XX/XX/XXXX and then in XXXX of XXXX reversed it and put the 30-day late payment back on my credit report on a loan that is closed. This is hindering my family from moving forward with any financial movements. Dovenmuhel Mortgage says they will remove it and will respond but then they never do.
Product: Checking or savings account

I am submitting this complaint regarding an unresolved identity theft claim and unauthorized transaction on my Chime bank account ending in XXXX, totaling {$2800.00}. I initially reported this unauthorized transaction in XX/XX/year> under Claim ID : XXXX. Despite providing clear evidence of fraudincluding a police report and an FTC Identity Theft Report that verify my phone and bank card were stolen and last tracked to XXXX XXXX, a location with which I have no associationChime has failed to issue a refund or provide any substantiating evidence from their investigation. This has required me to reopen this claim XXXX times without resolution, resulting in ongoing financial and emotional distress. Violation of Consumer Rights Under EFTA and Request for Damages : Failure to Investigate and Refund Promptly : Under 15 U.S.C. 1693f of the EFTA and Regulation E ( 12 CFR 1005.11 ), financial institutions are required to investigate unauthorized transactions promptly and, if unresolved within ten business days, issue provisional credit. Despite receiving multiple forms of documented evidenceincluding a police report and an FTC Identity Theft Report that detail my stolen phone and bank cards unauthorized use at XXXX XXXXChimes repeated failure to comply has caused significant hardship. The unauthorized {$2800.00} remains unresolved and unreimbursed, impacting my financial stability. Failure to Provide Evidence of Their Investigation : Under the EFTA and Regulation E, financial institutions must provide clear documentation of any evidence used in their investigation.