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

My name is XXXX XXXX please add this new complaint to CFBP case number XXXX I need dispute claim XXXX amount is {$40.00} to be reopen or appeal to be reopen and investigate again because I disagree with the old decision on it and send me the new decision for it and do the same thing for the other claims thats is open still in investigation reopen them and investigate again and give me the new decision for it and do the same thing for the denied ones too and look at my attachment below please and look me know how many dispute is still open for investigation and for the claim amount for {$40.00} put the credit reverse on hold from XXXX until they have a new decision on it or put the credit back into my account for {$40.00} or give me a onetime credit for {$40.00} because I need that amount really badly checking account number is XXXX and saving account number is XXXX etc.
Product: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 


DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am one of the victims on US BANK fraud credit card account use my business name = XXXX XXXX XXXX  I try to contact they local branch, but has not solved problem, I am ready to going small claims count to use US NANK local branch for this fraud credit card account I have my police report, and all mails them sending to me, XXXX XXXX pressured its employee into applying for credit for customers whom had consented opened on their behalf. 
 how can I get my compensation, if your has they fines + {$37.00} XXXX looking forward to hearing from your replay soon XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted you back in XXXX XXXX, 2017 I submitted a complaint online with CFPB ( Case # XXXX ) and never received a response. I have now contacted the CFPB and Insurance Obubsman in hopes of help. My medical insurance was never billed. Today I am sending XXXX XXXX a copy of the medical bill from XXXX that they never received. Please have Collection Consultants take me off of collections with all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX  XXXX XXXX are the amounts XXXX XXXX XXXX  showing collection unknown ftc violations The National Credit Union Administration ( NCUA ), along with four other federal regulatory agencies, recently released guidance about the repeal of certain credit practices rules applicable to federal credit unions, banks, and savings associations.1 The enclosed guidance clarifies that, despite the repeal, the agencies still have supervisory and enforcement authority regarding unfair or deceptive acts or practices, which may include the practices prohibited by the former credit practices rules.2 With respect to federal credit unions, this repeal will affect NCUAs regulations in Part 706 of Title 12 of the Code of Federal Regulations that generally prohibit : the use of certain provisions3 in consumer credit contracts, the misrepresentation of the nature or extent of cosigner liability, and the pyramiding of late fees.

They have not even looked at it or tried to fix it all under NCUA law
Product: Debt collection

i was at work when a women claiming to be a debt collector with Capital Management call my Supervisor and told her that I had a debt and she was trying to collect from me. She then told my boss that she called my phone before asking who she was calling for. 
i this is a violation so I called to make a complaint and told then I was unaware of any debt and to onloy contact me via mail. I spoke with XXXX and he could not find anyone in the complaint department and tried to side with the woman who called. he then said he would review the call..
Product: Credit card or prepaid card

Hello, I've been having a hardship with work and through the time of covid 19. I received my stimulus check and went to pay off my credit card yesterday XX/XX/2020. Payment went through and Capitol One charged me fees of {$11.00} internet fee? So I pay my debt off and they punish me again through this terrible time of struggle. 

Please help me with this situation. 

Capitol one. Credit Card Hit with {$11.00} interest fee after paying off whole card.
Product: Credit reporting or other personal consumer reports

I am within my right to dispute any information on my report and seek legal counsel if it is not corrected. So this is my last time submitting this complaint before calling a lawyer and suing to get my rights. Several Hard inquiries on my report need to be removed from my file in under 15 U.S. CODE 1602p. 


The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

Fraudulent charges were made on my Citibank credit card on XXXX XX/XX/14 of this year. I was out of town at the time over 100 miles away and did not make the charges. The credit card was locked in a drawer downstairs. Citibank refused to refund the charges after the dispute because the charge was made in person in my city, and ghosted me after I submitted ( both via mail and email ) a dispute to the resolution of the case. Attached relevant statement. I can also provide evidence I was not anywhere near home when the charges occurred.
Product: Bank account or service

Wells Fargo signed me up for their " Go Farther '' rewards program without my request. They began sending me monthly emails showing my zero balance. And there is no way to opt out of the emails other than canceling the program. 
It took 24 minutes on the phone to cancel the program.
Product: Credit reporting or other personal consumer reports

my Suncoast credit union is reporting late payments which is not true and its really effecting my credit file
Product: Checking or savings account

an individual whom I allowed entry into my house stole my debit card and misappropriated my funds. I reported this to my bank and they cancelled the card gave me a provision credit for the transactions that were disputed and issued a new card. Then a month later the bank sends me an email that says one thing though on the phone the say the opposite. On the phone they say that they are holding me liable for the transactions with the stolen card and they even went as far as withdrawing the full amount of the theft in other words XXXX dollars from another account i held with them without even doing a good faith investigation. I hired an attorney and the bank wont even let her talk to them. they provided an email which they won't respond to. my bank stole my money and I have gone through the discolsures and agreement carefully and they are in breach of their agreement that they must follow. further because they are playing dirty and simply do not want to accept thta they ar ein the wrong and re breaching the customer agreement and discosures they TERMINATED my banking relationship with them and restricted my account so i can't use it. FOUL
Product: Credit card or prepaid card

Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XXXX XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$200.00} Highest balance {$220.00} Terms NA THIS ACCOUNT IS REPORTED AS A CHARGE OFF BUT I NEVER RECIEVED A 1099-C CANCELLATON OF DEBT FORM. THIS ACCOUNT IS INACCURATE AND NEEDS TO BE REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and 15 U.S.C 1681 section 602 A. States I have the right to privacy. I spoke with XXXX in the fraud department at XXXX account XXXX XXXX opened XX/XX/2021 and she told me the address that's on this account is a different address than mine. I never lived at that address. Experian didn't do a reasonable investigation. XXXX also said she sent Information to remove inaccurate Information from all my credit bureaus. Delete this fraud account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX A XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Product: Debt collection

I have verified my information with this company several times and I am not the person they are looking for. They claim to make a note of it but continue to call over and over.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX XXXX : {$4600.00} EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4700.00}
Product: Mortgage

Mortgage Servicer, Mr.Cooper, is engaged in dual tracking. Ive submitted a loan modification in XX/XX/XXXX, which they originally marked as complete. Then, they decided it was not, and then decided to require more documentation. The requested documents are award letters regarding unemployment benefits, and supplemental food assistance, SNAP, benefits. I sent the letters I received from both those agencies, 3 times. The documents from the agencies are the only available documents addressing those benefits. I recently sent over the award letters, with supporting documentation, bank statements on XXXX  I also learned, in a phone call to Mr. Cooper on XX/XX/XXXX, that they have begun the foreclosure process, as of XX/XX/XXXX. The loan modification is still open and pending, however. Mr , Cooper, call center representative, XXXX, admitted they Mr.Cooper is dual tracking, pursuing foreclosure with a pending loan modification. To my knowledge, dual tracking was prohibited as of XXXX XXXX XXXX 
Additionally, I believe the company is simply requiring more documentation to keep the modification open until the sale date is set. Also, on XX/XX/XXXXXXXX I spoke with a Mr Cooper Representative by phone, who stated an investor was requiring more documentation. This seems to suggest that Mr. Cooper had already offered my home for sale, during a loan modification process.
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB complaint for you to notify certain items that are inaccurate and still appeared as fraud in my credit file. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. I have provided the necessary documentation and evidence in my previous disputes to support my claims. However, it is disheartening that these errors have not been removed and are negatively impacting my credit score and financial standing.These are the following items that needs to be removed : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XX/XX/XXXX Balance : {$0.00} ; XX/XX/XXXXBalance : {$0.00} ; XX/XX/XXXX
Product: Credit card or prepaid card

I had a hard inquiry. I would like to remove the hard inquiry on my report with Capital One
Product: Debt collection

On XX/XX/22. The debt collector said we could settle all of my obligations owed to XXXX XXXX XXXX. I made 2 payment in the amount of {$1800.00} and {$390.00}. To resolve all outstanding debt with XXXX XXXX XXXX. I wrote a letter agreeing to pay these amounts if all of the debt owed to XXXX XXXX  would be satisfied. At the time there were 2 accounts for the same injury. Now 9 months later after never receiving a statement for close to a year. They create it to new accounts for the same injury. Stating that I owe XXXX and {$100.00} On two completely different account numbers even though there was only one injury. This injury took place over a year ago and all debts owed were to be satisfied by my finally payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX  XXXX XXXX XXXX., XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Credit reporting or other personal consumer reports

Llevo meses pidiendo de favor a esta empresa sobre mi reporte de bur de crdito. La empresa estableci que en enero quedara resuelto el problema, despus me dijeron en febrero y por ltimo en marzo . Me siento estafado porque no han reportado nada al bur de crdito.es una empresa que juega con las personas y eso no es correcto.lo peor es que no resuelven el problema o se comunican conmigo.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed in letters along with a photocopy that I printed of my license and social security card. I have yet to hear any response with either validation of these inaccurately reported items or notifications that they have been removed. 
I am aware that according to the FCRA laws they are required to act within 30 days. Its been 60 or more days at this point and my rights are seriously being violated. 
Ive tried to contact these companies via phone and been given the run around. I demand that these companies uphold the law or proper litigation will follow these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested my annual credit report via XXXX for XXXX  and Transunion. A week to 10 days later I received an extensive report about my account from XXXX  and a postcard from TransUnion requesting that I provide 2 forms of identification per the list they provided - all would contain Personal Identifer Numbers. At this time, I'm not comfortable supplying this info via mail and do not understand why TransUnion is requesting these documents when the other two credit reporting agencies do not. I'm writing to request that TransUnion change its policy and procedures that this info be confirmed online per other companies examples. Given the level of technology that is available, the access that TransUnion has to other info that confirms the requested info, this request feels like unnecessary obstacles are being created to obtaining my credit report from them. 

Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

i been on phone with them and they keep put me on hold and give me hard time i try to apply for a card and they deny me b/c of that fruad account
Product: Checking or savings account

See below ; the events occurred in XXXX : XX/XX/XXXX : I put a check in the mail for approx. $ XXXX USD that was for the IRS. Later in the month, I saw that the check cleared via the Chase app. There was no picture of the check, so I assumed the check cleared to the IRS. 

XX/XX/XXXX : As I was preparing my XXXX taxes, I noticed the check was a mobile deposit to an unknown person into a Chase account. I went to a Chase branch the next day to explain the issue, and I was told by the staff this was fraud and I would get my money back. Two weeks later, I went to Chase again and they escalated this to the fraud department. 

XX/XX/XXXX : Chase said it had been too long from the time the check was cashed to when I reported it. The branch manager agreed this was wrong, and she wrote a letter to the Fraud department but it was denied. The branch manager told me to file a police report and send through to the Fraud department. 

XX/XX/XXXX : I filed a police report, and sent this to Chase along with the supporting documents. The staff at Chase thought I would get my money back, and I assumed the same. The claim was denied, and I was told I would not get a refund.

As per the UCC, this is a forged endorsement and " Under UCC 4-406 ( 4 ), a member has three years from the date the XXXX XXXX  XXXX XXXX his account statement available to notify it of a forged endorsement ( XXXX ) ''. 

If this issue is not resolved, I intent to file a small claims case as well.
Product: Debt collection

Sometime early in 2024, my account with XXXX XXXX  became overdrawn and eventually closed with a balance owed. Between the months of XX/XX/year>2024 until now, I continue to be contacted by three separate entities for this same debt : 1st Entity : XXXX XXXX  2nd Entity : XXXX 3rd Entity : Real Time Solutions I am being contacted at the same by all 3 of the entities- which is stressful. In addition, how can the same debt be held by three different entities. This is also affecting my credit report and XXXX  report. On XX/XX/year>, I paid the XXXX XXXX  debt to the debt collector XXXX, however, I am still being contacted by all the entities named above and it still being reported on all credit reports and XXXX.
Product: Checking or savings account

On Saturday XX/XX/2018, I transferred a XXXX payment of {$120.00} to someone that I thought was a friend but found out it was the wrong person. I called my bank to see if there was a way that I could cancel the transaction since it still showed as " processing '' on my mobile Bank of America app. When I spoke to the representative from Bank of America, I was told that it was too late for Bank of America to do anything and that since it was through a third party ( XXXX ), I would have to contact them directly. The representative then told me XXXX was closed and I wouldn't be able to talk to anyone until Tuesday since Monday is a holiday. I then hung up with Bank of America and called XXXX for myself. I was directed back to Bank of America since the transaction was done through the Bank of America mobile app and not the XXXX app.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has be in clear Volation of my rights. The law states a creditor may not report a late payment for any reason unless a notice is sent 21 days prior to a payment is due 15 usc 1666B I never received any such notification if XXXX XXXX claims to have sent me that notice please provide proof I received it by showing a tracking number and a green return receipt showing I received such notice. XXXX XXXX is also guilty of reporting I was on time on XX/XX/2023 on XXXX and TransUnion But late on XX/XX/2023 on XXXX. This will be clear for a judge to see and I will received {$1000.00} For the Volation. 

XXXX XXXX shall update all payment history as paid as agreed immediately this late payment have damaged my creditworthiness and it has stopped me from getting approved for a house. I will definitely take your company to court if this matter is not taking care of as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a balance on my transunion credit report that should reflect as it has been mark as charge off and is over {$600.00}. Yet Im still getting ding for it! Unacceptable and feels XXXX.
Product: Checking or savings account

I deposited a XXXX XXXX cashier 's check for {$17000.00} at my XXXX, MD Bank of America branch on XX/XX/2018. I deposited it at the drive up ATM because this bank has permanently closed it 's drive thru window. My receipt acknowledged the deposit and had no notification of any type of " hold ''. I also checked my account on XX/XX/2018 and it verified my deposit with an available balance of {$17000.00}. On XX/XX/2018 I wrote a check for {$4700.00} to pay county property taxes. Then, without warning or notification, on XX/XX/XXXX, Bank of America placed a " hold '' on my check until XX/XX/2018. Now, I have been embarrassed with a returned check and will be charged a penalty fee by the county ; and to add insult to injury, charged a {$35.00} returned check fee by Bank of America. I called BOA customer service department XX/XX/XXXX and spoke to XXXX and her manager, XXXX to no avail. They told me that they or no one in their company could remove the hold. I know it doesn't take 10 days to verify clearance of a bank cashier 's check ; totally outrageous!