23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received numerous calls from an unrecognized number. When I answered on the fourth attempt it was a robocall but it said my maiden name so I listened. It was very vague, did not give a company name or any details but said that my credit was going to be affected if I did not settle. I called the number and a gentleman answered. He did not give company name or any information and started verifying my name, DOB and social. He said he had a copy of my drivers license and bank information. He said that I had taken out a loan through The Cash Store. It was confusing and he wasn't answering my questions so I just said, I filed bankruptcy so if this was mine, it should be covered under that. He said payday loans aren't always covered under Chapter XXXX bankruptcies because the company gave me money so I can just settle this with him now and be done with it. It all seemed very strange so I called back and a lady answered the phone but was extremely rude and aggressive and refused to tell me what company it was. I continued asking to know what company it was or for a statement to be mailed and she said by law she doesn't have to give me any of that information and hung up on me.
Product: Mortgage

I have had a XXXX mortgage with Fifth Third Bank since XX/XX/XXXX. The loan amount was {$36000.00}. My monthly payment is {$260.00}. I have consistently paid more than the required amount. I am not delinquent and never have been. To this date, XX/XX/XXXX I have paid over {$27000.00} in interest and have requested repeatedly that the excess amount be applied to the principal. I was advised that interest is charged on a daily basis and that has to be paid first. My loan balance is still at {$34000.00}. My loan payment is due on the XXXX of each month and is considered late if not received by the XXXX. From what I was told from the bank was that even though my payments are received on or around the XXXX, that I am being charged interest for those days prior to the due date (? ). This is a terrible loan product and I have requested that my loan be modified to be fully amortized and was told that they do not do business in Arizona ... but yet, my home is in Arizona. I feel that this bank has taken advantage of me and still continues to do so. Their products are inferior and certainly not for the benefit of helping homeowners. Their lending practices are very unfair and unreasonable. I have asked for help but to no avail. Please look into this bank 's policies and procedures as it does not look good for just everyday working people that deal with this awful bank. Also, I am not delinquent and my interest payments are always on time ( their time ). This is not an interest only loan, although it sure looks and feels like it ... .just awful.
Product: Credit reporting or other personal consumer reports

Equifax is the ONLY credit reporting agency reporting this XXXX XXXX XXXX collection on my credit report. I have request debt accuracy, debt validation, and a copy of the original contract with my signature on it none of which Equifax nor XXXX XXXX XXXX can provide. 

I have disputed this collection several times all which Equifax responds the collection is valid. However, as a victim of the Equifax Data Breech XXXX  it is possible that my identity was fraudulently used to business with the original creditor leading to this collection being placed on my credit report. I have received several payouts from the settlement indicating that my personal information and privacy breeched several times.
Product: Credit reporting or other personal consumer reports

NOITICE XXXX XXXX IS IN VIOLATION OF ; Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates.

Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Transunion XX/XX/year> requesting XXXX XXXX, XXXX XXXX XXXX XXXX account be removed from my credit report immediately due to the businesses violation of Texas state and federal regulations. Instead of Transunion doing as I asked.They just updated the accounts and dismissed the letter that I sent with the dispute as it the violations meant nothing. Please see the attached letter that I sent to Transunion.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/2022 I made a swift transfer form my bank account in XXXX ( XXXX XXXX  ) in the amount of XXXX USD. XXXX XXXX  processed my transaction within an hour but money got immediately stuck as they reached intermediary bank which is J.P.Morgan. Since then my funds are stuck there and I am trying to reach J.P.Morgan in vain. My transaction has a status blacklistblock. Call center doesnt respond to the calls from people who are not their clients. E-mails are ignored. So the bank is using my money without any explanation. Since XXXX of XXXX I havent found a person who would help to solve the issues. All I got just a short reply in social media tab I should solve this with my senders bank. Meanwhile XXXX XXXX cant help me as my funds are stuck in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Credit Inquiries Due to Identity Theft To Whom It May Concern, I am writing to formally dispute multiple unauthorized credit inquiries on my credit report due to identity theft. It has come to my attention that my personal information has been misused, resulting in inquiries that I did not authorize. 

The following inquiries are disputed and should be investigated : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are damaging my credit profile and are the result of fraudulent activity. Under the Fair Credit Reporting Act, I am entitled to dispute this information and demand an immediate investigation. 

I expect a prompt response confirming the removal of these unauthorized inquiries and detailing the results of your investigation. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

Im going through XXXX and need help ... on XX/XX/2017 my checking account was accessed with the intent of syphoning off money, we know it was the computer tech we hired. While he was in my acct he accesed our company acct and the XXXX applied {$150.00} to my att acct from the business checking acct. I mean if you 're going to rip some one off at least do it right. Chase bank is refusing to retract the pmt from XXXX, citing because it was my acct that was paid its not fraud. They refused to open a file and conduct an investigation. XXXX XXXX claims specialist, Sup XXXX XXXX XXXX x XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXD INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Bought a XXXX XXXX from XXXX XXXX. I a loan from XXXX. The system is not performing to what XXXX XXXX said it would. The sell pitch was that the system would be designed so that I would not have to pay XXXX for power and maybe get a refund for power that I created. Now the company has closed their doors and I will have no way of getting my system fixed. I am also now paying on the loan for the system and XXXX for a system that is not working right.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have account with Ocwen Loan Servicing. We applied for a business loan and was turned down because XXXX reported that we are Serious Delinquency, accounts not paid as agreed, time since delinquency is too recent or unknown and number of accounts with delinquency. So I checked the credit report it is Ocwen that is reporting that our loan was charged off XXXX XXXX put we are making payments. We checked the credit report again on XXXX XXXX and it says charged off as bad debt, profit and loss write off and closed. We have been making payments, so should we not make anymore payments or what? Where have my payments been going? We applied for a loan did not get it. We own a small business we really could use a loan did not think there would be a problem. This is hurting our business we went to several places could not get one our  personal credit is always checked. We have worked real hard to have good credit. One of our store credit cards have lower our credit line. When will this stop? Is it Ocwen or XXXX or both. We have never had a problem like this. Hope you are the right place to go.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I opened an online checking account with Wells Fargo. Account XXXX. In order to do this I approved a {$500.00} initial deposit to be taken from the savings account of my current bank, XXXX XXXX. 

After five days neither account showed a pending deposit or withdrawal & I received an email from Well 's Fargo warning me that my account had reached a XXXX balance. It had never left a XXXX balance because the transfer hadn't happened. 

I called Wells Fargo only to find that their automated voice system was doing everything it could to avoid putting me through to a person. After 15 minutes of trying I finally got it to send me to a human by entering a wrong PIN number. I was then told there was a 17 minute wait to speak to someone. When I finally got through I was frustrated and told them that after that customer service experience I now wanted to make sure the deposit was not pending and close the account. They assured me twice ( on a recorded call ) that there was no deposit pending. I asked what would happen if the deposit were sent and they said it would be rejected and returned. So I closed the account.

Of course, about four hours later I see that now the transfer is pending in my XXXX XXXX savings account. I didn't worry about it though because I figured it would be cancelled or returned. 

To date I have not seen this {$500.00} appear back in my account. 

My bank, XXXX XXXX, has at least been helpful to the point of providing me a screenshot from their end showing the money was transferred to Wells Fargo and providing a trace number ( XXXX ) and told me Wells Fargo would need to determine where this money wound up. 

Three calls to each institution over two weeks led me nowhere. Wells Fargo customer service just read from a script and kept saying if the account was closed they wouldn't have the money. I asked them to please take the trace number and try to figure this out, they refused. 

Finally I asked to talk to a supervisor who opened claim XXXX and said they would reach out to me over the next ten business days if they needed more information. Again, this person refused to take the trace number.

Roughly two weeks later I received a letter from Wells Fargo stating they were closing my claim and had determined they did not have my money. Never having reached out to me asking for any further information. 

This letter said if I wanted documentation on the claim and the investigation I should call them and ask to have it mailed to me, which I have done but have not yet received. 

I don't know if XXXX XXXX  or Well 's Fargo has my money, but it's somewhere and I have a trace number which you would think should make finding it easy. But NEITHER bank is willing to take care of the issue much less work with each other to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed three accounts with Equifax provided them all documentation and they have yet to remove these fraudulent accounts from my credit file. I am listing the three accounts below that I have disputed. 
XXXX XXXX XXXX XXXX {$49000.00} XXXX XXXX XXXX   {$47000.00} XXXX XXXX XXXX XXXX {$17000.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an error in the automatic payment system I had set up with XXXX. Although the payment was scheduled and funds were available in my account, a technical issue caused the payment to be processed late. This delay was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statements showing the payment was scheduled on time. 
Correspondence from XXXX confirming the technical issue that led to the delay in processing. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Credit card or prepaid card

Wells Fargo signed me up for a credit card without my permission. I am wondering if I can get the credit card and all the things that affected my credit wiped off. And if I close the credit card, will it affect my credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the below account multiple times because I have no knowledge of it. I have asked for correspondences to be mailed that proves this account belongs to me to no avail. Transunion refuses to provide me with evidence from the furnisher that proves I have an open account with this company. 

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

I have been having trouble with this company there are several items that are clearly inaccurate and some of the collections are duplicates but they don't seem to be taking a look at this matter so I am seeking help from CFPB and XXXXXXXX XXXX XXXX XXXX XXXX to resolve this matter once in for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed on my consumer report contain late payments. I have disputed this with this burau and have not been sent any proof that the late payments are accurate. I was never late with any payments. 

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Wouldn't this be considered an experience Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

This is fraud. I do not owe this debt XXXX report # XXXX
Product: Debt collection

I was contacted by XXXX XXXX from Hunter Warfield on XX/XX/2022 at XXXX XXXX. She informed me she was attempting to collect a debt from XXXX XXXX, my previous apartment complex. She inquired about " what could be done to settle the debt today ''. I asked about the debt amount and etiology of the charges. She stated I owed {$1700.00} for " damages and early lease termination ''. She was unable to specify the type of damages or further information regarding the debt. She also informed me that I was sent to collections alongside the previous co-tenant. I discussed that I had an ex-parte restraining order against the co-tenant and that I had a detailed video of the apartment when I moved out. She asked me to email all the documentation to XXXX. 
I emailed the documents at XXXX XXXX  on XX/XX/2022. I second a second email on XX/XX/2022 at XXXX XXXX  and requested a debt validation letter containing itemized information regarding the debt, as well as my liability. I further requested information pertaining to the total amount of debt, the date of which the debt was submitted to collections, details of etiology of the debt, and information that irrefutably associated the debt to my obligations. I received no response. 
I spoke with a representative on XX/XX/2022 at XXXX XXXX  and requested the collections case be closed due to the company violating Section 809 of the Fair Debt Collection Practices Act. The representative said that Hunter Warfield is " still waiting to receive detailed information regarding the debt from the original creditor ''. I discussed that, per Section 809, the company has within five days after the initial communication to provide a written notice containing specific information. I requested to speak with XXXX XXXX, the original representative who contacted me, and was informed that XXXX was " unavailable ''. I requested to speak with a supervisor, but was told the supervisor was " not available ''. Finally, I requested to speak with a manager above the supervisor or a member of upper management, and the representative informed me that was not possible. I requested a return call from the supervisor. I did not receive a return call on XX/XX/2022 and left a voicemail requesting a return phone call on XX/XX/2022, I did not receive a return call.
Product: Credit card

I have my city card my credit line was for {$4700.00}. I had a credit of {$43.00}, and I made a payment of {$1000.00} the XXXX of XXXX, 2024 trying to lower the balance of the credit card. The XXXX of XX/XX/2024 when I go check my credit card I see I only have a balance of {$72.00}. Automatically I see an email Citi bank sent me on XX/XX/2024 that they decided to lower my credit line to {$4000.00}. When I called the bank to see what happened with my money they said my money was not there because they lowered my line of credit. I don't understand how a bank can take your money without letting you know they will take it without giving you a notice. Your money disappears and they tell you it's nothing they can do. I asked to talk with supervisors trying to come to an understanding, I asked them to explain every detail in my account, they couldn't give me any details in my account. Saying they have to wait until the statement arrives at my house, I'd really appreciate if you helped me out because it is hard working hard to pay your card and then suddenly your money disappears without receiving a notice. I will send attached pictures, photos of proof from the email I did my payment and when I received the email, proving that it was sent to me after making my payment. I will not send a photo of the statement because I have not received it yet.
Product: Credit card or prepaid card

On XX/XX/2018 I received a message from my banking institutions loss prevention services regarding an attempted transaction for {$150.00}. I flagged the transaction as unauthorized and my XXXX debit card was deactivated. When I called the bank in the morning, they cleared the transaction and deducted {$150.00} from my checking account. I then contacted the company that initiated the transaction and found out that they use a service offered by XXXX called XXXX XXXX XXXX  and that if your billing information is out of date, they receive your current bank account information so that they can continue to charge your account. I then called my banking institution and asked to opt out of their updating services as I am very concerned that they willfully provide my banking information to XXXX and/or merchants without my knowledge or consent. The customer service representative said there is no way to opt out of this service and nothing can be done to prevent my bank or XXXX from providing my current account information to merchants. This is very alarming that my banking institution will provide my account information to anyone other than myself but then to tell me there is nothing I can do to protect my financial information is absolutely ridiculous. Banks need to protect my information, not freely distribute it like they are doing with this so-called service.