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

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of XXXX  with my most recent XXXX
Product: Credit card or prepaid card

when I change XXXXXXXX XXXX XXXX XXXX to XXXXXXXX XXXX XXXX, XXXX representative said there are no annual fee. 
but suddenly they charged {$29.00} on XX/XX/2021. I thought that is simple mistake because chase advertised XXXXXXXX XXXX XXXX as no annual fee. 
but representative couldnt explain the reason just keep saying there are annual fee that card. 
seems like they dont know reason either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting XXXX XXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXXXXXX FDCPA section XXXX Violation misleading false reporting XXXX XXXX XXXX  XXXX Account : XXXX FDCPA XXXX XXXX Violation misleading false reporting XXXX XXXX XXXX XXXXXXXX Contacted creditor/Agency ask for proof of validation. It's been more than 30 days and no response. 
XXXX XXXX XXXX Misleading false information This a HIPPA violation you can not report health information on my credit report XXXX XXXX XXXX XXXXXXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX XXXXXXXX FDCPA false misreporting, Instructions : Update to paid current as agreed. I was never late this is a violation to my rights as a consumer. 
XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ). due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Fund Transfer Act ( EFTA ) and regulations E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge of XXXX deducted from my debit card from experian credit reports on XX/XX/2020. I didnt authorize or Sign up for this. Therefore i want it off my Card asap!
Product: Credit reporting or other personal consumer reports

Spoke to representative to verify inquires on my account that are not mine or to verify what accounts are reporting on my credit and i was given no answer but to call the companies individually. I also cant access my credit reports from XXXX and XXXX.
Product: Credit reporting

Someone has applied for credit many times through multiple creditors causing the amount of inquiries to decrease my credit score. The only credit I have applied for was a XXXX XXXX Credit card and a mortgage through XXXX XXXX. The amount of inquiries has damaged my score so much It is making it difficult for me to finance my home.
Product: Money transfer, virtual currency, or money service

Text from wells Fargo giving me a code for XXXX  I didn't request and the link to report it didn't work. XX/XX/2022 @ XXXX. I don't have an account with them.
Product: Credit reporting or other personal consumer reports

I try disputing some inquiries that I didnt authorize equifax has XXXX soft pull appearing on my credit that they used against me when I recently applied for an apparent and also put unsatisfactory rental I try disputing misused info on my report and without proper validation they keep updating my account I have three collection that dont belong to me that they will not validate or remove I want them removed like they are on XXXX and XXXX
Product: Checking or savings account

For the past XXXX years our checking account has had XXXX  of fraudulent charges, mostly from XXXX. Our bank 's solution was cancel and issue new cards, but never solved what was happening. We were reimbursed for most of these charges, but they refused to go back more than XXXX months and honor the vow to protect our money. 

In the past XXXX months, despite changing our card and our diligence to protect our information, we have more charges, and then overdraft fees, that they are " disputing '' internally, saying we " may be reimbursed '' but " may not. '' I cancelled the only card to this account on XX/XX/XXXX, at our local branch, and we have had fraudulent charges for the last XXXX weeks on the same card, and more overdraft fees. Our bank says they are " looking into it '' but " no guarantee '' that we will be reimbursed. 

There are many transactions, too many to list here in this short note, but I am happy to share this information when I can speak with someone, or send it digitally to you.
Product: Debt collection

Credit Collection Services is harassing me about an alleged debt that I do not owe. Please be advised that Credit Collection Services has VIOLATED the FDCPA by contacting me WITHOUT my consent. Credit Collection Services must cease-and-desist ALL attempts to collect an alleged debt including communication, direct and indirect. DO NOT CONTACT ME AGAIN unless it is to furnish the forward flow agreement signed and notarized. If not, it constitutes harassment. This communication has been documented and any future attempts will result in seeking damages. See attachment example of harassment and abuse.
Product: Checking or savings account

I was recently assessed a fee by Wells Fargo that was invalid. I was assessed a fee on XX/XX/XXXX for transferring money to my savings account out of my checking on XX/XX/XXXX. The fee is invalid for 2 reasons 1. if my account were to have gone negative on this day Wells Fargo would not have let me transfer the funds because my account has always been set to pull from my savings If my checking does not have the funds.

2. On the day I made the transfer I still have money to left in the checking account. 

What really happened was I had a an authorization for a charge that I thought was XXXX so I had that amount in my account the same day that it posted which was XX/XX/XXXX I saw it was for XXXX more so I went to the atm before XXXX and deposited XXXX to cover the transaction so I would not get an overdraft fee, but somehow Wells fargo managed to charge me a fee anyway. 


I contacted the call center to inquire about the fee and I was given a bogus answer, I requested to speak to a supervisor and was told the same thing so I requested to speak to that supervisor 's supervisor and she transferred me not to her supervisor but to wells fargo customer service department. I spoke with the customer service rep and after conversation with her she did over me partial refund of the fee, thats not acceptable because I was not in overdraft period to have a fee, so I requested to speak to her supervisor after holding for more thna 30 minutes she tells me her supervisor says he is too busy with other customers to talk to me and that I needed to be transferred to his voiccemail to leave him a message, i declined the transfer and preferred to wait a little longer, I had already been on the phone over an hour anyway, the rep came back to the line again stating her supervisor says he was not going to speak to me regardless of how long i wait so i told her to let me leave him a message, instead of her transerring me to his voicemail she transfers me to an outside phone of a truck driver that has no affiliation with wells fargo at all.
Product: Money transfer, virtual currency, or money service

I am writing to express my concern for the money transferring feature : Zelle in regard to the handling of disputes ; particularly in light of the recent CFPB lawsuit highlighting many issues with the platform. Despite using Zelle a numerous amount of time and reporting discrepancies, my financial institution and Zelle failed to look into my claims adequately. I was informed that recovering lost funds was impossible, and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and has allowed repeated offenders to exploit the system which in turns leaves users vulnerable to scams. The lack of transparency and accountability is unacceptable and raises many concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late payment account was paid off and closed as reflected by XXXX. Equifax and XXXX are not reporting accurate information such as payment status and date of last payment. Equifax failed to report my dispute in the comment section, not consistent with XXXX reporting. 
A violation of Section 623 of the Fair Credit Reporting Act, Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has once again destroyed my credit and dropped it from an XXXX to a XXXX for a matter that should have been resolved in XXXX. I contacted the company every month to pay my bill in the PAST ( before the first negative credit reporting ) and was advised to seek help/call the XXXX help line which I did. Their representatives repeatedly advised that the problem had been fixed and my payment would be processed. They then reported me to the credit bureaus for being late which significantly damaged my credit. I filed a complaint with CFPB and XXXX  at that time. My credit score was restored and increased to an XXXX reflecting that I take a lot of pride in paying my bills on time!

XXXX has once again reported me to the credit agencies for a matter that should have been resolved in XXXX ( 9 months ago ). I view this NEW credit reporting to the credit agencies as retaliatory in nature for the complaints that I made to CFPB and XXXX  in the past. I have made every single payment on time with XXXX since I had to fix the problem myself back in XXXX with no help from them. I view this new credit reporting regarding an old issue as an attempt to continue to harm me for reporting their horrible business practices. I obviously pay XXXX bills on time or I wouldn't have an XXXX credit score. And I didn't have a single missed payment with my previous mortgage lender for 6 years ( the life of my mortgage with them ) so the problem is clearly THEM.
Product: Checking or savings account

Over the past 2 years, Wells Fargo was withdrawing monthly fees from my account until it was completely depleted. It took me several phone conversations over multiple days to get the account shut down
Product: Mortgage

Nationstar Mortgage has once more failed to administrate my loans with any competence and it 's beginning to feel like I have been singled out, perhaps because I have already filed complaints. It definitely feels like discrimination. I have XXXX loans with Nationstar Mortgage that XXXX have current complaints filed and now I have the following information from my insurance agency that Nationstar paid the insurance on my primary home # XXXX correctly in the amount of {$770.00} however on my investment property # XXXX they also paid {$770.00} for a premuium rrather than the correct amount due for that policy of {$310.00} and mailed XXXX check to the for the total to the insurance company. When contacted they informed me that I would be responsible to pay the correct amount and to obtain a refund from the insurance company. Since they have the money for the insurance that I have been paying, it is incredible that they expect me to come out of pocket with additional funds when they know they have already drained my savings by not notifying me of an increase in the amount of both payments for several months, then billing me a large lump sum last month and effectively ruining my credit. The next step will be that Nationstar will no doubt be billing me for a shortage that they. created in the escrow account on # XXXX. No other lender has ever bungled my accounts in such a manner and I find it hard to believe that this is not deliberate and effective retribution for filing complaints. 
Following is the email from my insurance agent stating that Nationstar would not correct the issue. XXXX XXXX sent out a cancel notice for non-pay on " XXXX XXXX XXXX XXXX '' ; policy # XXXX. 
I called NationStar on Monday to find out if they have sent payment yet. They said they did and the check cleared on XXXX/XXXX/16. I requested a copy of the disbursement voucher as well as a XXXXCancelled check. Just got that this morning. 

NationStar is also the mortgagee on " XXXX XXXX XXXX ''. XXXX policies have effective dates of XXXX/XXXX/16 And XXXX sent separate bills for XXXX. NationStar paid XXXX but on the voucher which I have attached they listed The policy number the same and paid {$770.00} for XXXX. " XXXX XXXX XXXX '' premium amount is {$310.00}. 
When XXXX received the check they thought they were both for the XXXX address. 
XXXX applied XXXX to that property and then refunded you the overage. 

NationStar will not pay again on the XXXX property so I need to collect {$310.00} from you. 
Policy is in cancel status so please send as soon as possible. You will have a shortage on your Escrow account for XXXX because of NationStar 's mistake. 
Call me if you have any questions. 
XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Office ( XXXX ) XXXX XXXX Fax
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXect : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX Bank, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2022, I went to XXXX XXXX dealership and spoke with salesman XXXX XXXX, and I completed a consumer credit transaction by applying for a car loan with Bank of America, I was denied my request for credit. I later received an adverse action letter and after reading it, I believe Bank of America is using information from my consumer report to discriminate against me. I am discouraged from making or pursuing any future applications with Bank of America. I sent a letter to Bank of America about my discrimination, but to no avail. I dont agree with their actions! Bank of America is in violation pursuant to 12 CFR Part 1002.4a and 12 CFR Part 1002b. Bank of America has violated me as a consumer by denying me my right to credit. I am making the claim that Bank of America, N.A. is being Hostile, deceitful and fraudulent towards me and this is negatively affecting my life. This has negatively affected my family and has cause me severe hardship, XXXX XXXX  and XXXX. I have been unable to purchase a new vehicle to get to and from work to provide for my wife and kids
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of all three reporting agency and noticed that they are not accurate all three have different information also some collections agency have been calling and violating my right under the act 15 U.S.C Sec. 1681i ( a ) i would like these collections DELETED and all three reporting agency accurate. I have previously requested that you investigate this information, and now my credit is being damaged i also would like all HARD INQURIES DELETED please update info. 
XXXX XXXX XXXX  Original creditor XXXX XXXX. 
Balance {$1700.00} Balance updated XX/XX/2022 XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$1900.00} Balance updated XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$4900.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original account was with XXXX XXXX XXXX. I signed a lease with XXXX XXXX XXXX on XXXX. I have attached a copy of the lease agreement. My monthly rent for the term of the lease was {$1000.00} however, the apartment complex was charging me a different amount that equaled MORE each month than the lease agreement. I immediately contacted the leasing office and the representative of the apartment complex assured me that they would revise their accounting to reflect the agreed amount of rent being charged. Unfortunately, they did not honor their commitment and after I had moved out they sent this account to collections. There should be no outstanding balance due. I did not know that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed as theyve been removed via Experian and are still reflecting upon my credit report, stating Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) The accounts to be removed are as follows ; XXXX XXXX XXXX XXXX ; XXXX XXXX
Product: Checking or savings account

I have a High Yield Savings Account with Marcus by Goldman Sachs that has been forced to close by the Company. I am waiting for my funds to be returned but it has been going on for almost two months now and I have not received any status updates or a final decision after contacting the Company and calling numerous times. 

XX/XX/2024 : My last successful account withdrawal transaction. 
XX/XX/2024 : Received an email notification from Company that account statement preferences changed without any action on my part. 
XX/XX/2024 : Attempted to access online account but account was locked. Called Company due to inability to access account online due to account being locked and under review for closure. 
XX/XX/2024 : Called Company for a status update but did not receive any useful information. My account was still under review for closure. 
XX/XX/2024 : Called Company for a status update but did not receive any useful information. My account was still under review for closure. 
XX/XX/2024 : Called Company for a status update but did not receive any useful information. My account was still under review for closure. 
XX/XX/2024 : Called Company for a status update but did not receive any useful information. The account is still being forced for closure, but no information on final date or when I should expect funds to be returned. 

Over this span of time, I was not contacted by the Company for status updates and I had to call the Company to attempt to get information. My account with the Company is being forced to close and I have no issues with that business decision. It is unfortunate that my account has to be locked and closed. I am not satisfied with the lack of speed and lack of communication on my account closure and when I should be receiving my returned funds from the closed account.