23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with Wells Fargo originally on XX/XX/XXXX. They couldn't find the information about the issue but ultimately they lost a check of {$2800.00}. This was a lump sum check to pay off the final agreed upon amount. They NEVER let me know that this was not applied to my account. This check was written in XX/XX/XXXX. I found out THIS year in XXXX of XXXX that this was the case. After I had to prove the money was paid etc. they finally located it. We spoke with XXXX XXXX about everything for WEEKS. Finally, XX/XX/XXXX my credit reflected the corrected account information including a XXXX balance and no delinquency. Exactly one month later, my credit dropped severely and Wells Fargo reported my account delinquent again and that there was an outstanding balance of {$6200.00}. Thus, they reported that no payments were made and that the account was delinquent etc. We called XXXX XXXX again on XX/XX/XXXX or XXXX ( dates are not for certain ) and asked him about this again. He said it looked right on their end and nobody did anything to report it delinquent. Now, as of XX/XX/XXXX, Wells Fargo has reported my account balance once again as {$6200.00} and as delinquent. They refuse to help us make it right and we want our account to be fixed and stay fixed.
Product: Debt collection

Back in XXXX I had inquired aabout an ipad from a random electronic shop i saw on an ad ; I am not disputing the actual existence of the transaction. I dont know what other language to explain to these people that i NEVER RECIEVED THE ITEM. Sender first didnt hand the package over the XXXX on time, so it was received by XXXX 2 days after he promised he'd send it, finally got to XXXXXXXX XXXX hands their delivery dates kept changing after I would wait for it alllllll day ; long story short took the whole week off work because i didnt want to lose an expensive item. XXXX  somehow misplaced the item while in transit, I finally called the shop I said cancel it I dont want it. He said " I will try but because its in their hands now wed have to wait until they dont bring it and itll " EVENTUALLY '' get back in our hands, never heard from them again until collections notice. I just spent over {$4000.00} cleaning my credit from all past negative items I will NOT allow myself to be penalized over. I keep disouting but nobody seems to want ti k
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is still being reported on my credit report. it is over 7 half years old and need to be remove. violate of fcr 611.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX APT XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$XXXX} XXXX XXXX Balance : {$XXXX0} XXXX  XXXX Balance : {$XXXX} XXXX XXXX FIN XXXX Balance : {$XXXX} XXXX  XXXX Balance : {$XXXX} XXXX XXXX Balance : {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit. While these applications did not yield accounts the fraudulent related inquires were found on the credit reports. Previously we sent official disputes to the creditors however two are still being reported to the credit bureau XXXX. A recent XXXX credit report shows that inquiries with CBNA and XXXX XXXX? XXXX  XXXX are still being reported AFTER official disputes were provided to both of those banks disputing the applications as fraud related. This is now a violation of her federal consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I paid off the balance of approximately {$440.00} in full. I did not use the card again and I have been a holder since XX/XX/XXXX. The annual membership fee was added to the card balance in XX/XX/XXXX unbeknownst to me as I don't recall receiving any statements, and Capital One never once called to alert that the account was past due. Instead, Capital One has reported the " annual membership '' amount repeatedly as late for over 120 days as if it was in fact a balance that was incurred through actual charges. Not once, did they have the common courtesy to call me realizing that the only charge on the account was for the membership fee. As a result, CO has closed my account severely impacting my credit resulting in a decrease of almost 47 points. I spoke with several reps today that refused to re-open the account and indicated they reported it correctly a few days ago to reflect a {$0.00} balance. However, an alert to my credit report today ( XX/XX/XXXX ) shows a {$64.00} past due balance.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) CoMMUnication WitH tHe conSUMeR GeneRallY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) CeaSinG coMMUnication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
( XXXX ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title. 
( XXXX ) The advertisement for sale of any debt to coerce payment of the debt. 
( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
( XXXX ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity. 
( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. ) I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists pursuant to 18 USC 8, L owe no debt, this company is violation my consumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814 .
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my reports for accuracy and I saw a very old account for XXXX XXXX for {$650.00} that was opened in XXXX still reporting almost seven years later. The credit reporting time limit of XXXX years from the date of last activity is defined by the Fair Credit Reporting Act. The seven year date is XX/XX/XXXX. I am requesting this account be deleted as its very old.
Product: Checking or savings account

Four separate deposits were made in various amounts. 1 of the checks was returned to the maker and 3 were cleared into the account but because of the returned check, the account was closed. The checks were deposited and cleared XX/XX/2022 but have not been issued out to me as of XX/XX/2022. I've been given incorrect information nearly every time I've reached out to the institution about how to get these funds sent to me. I've been told to provide proof of deposit from the bank the money was pulled from despite the checks coming from a third party. I've been told to provide documentation that has the third party 's signature and a copy of the government identification as proof of the funds being cleared. I've been told that the check has been mailed out and would reach me by a certain time just to call back when the check didn't arrive and be told that I was given incorrect information and still have not satisfied their need for proof. It's been over a month with no straight answers or ways of resolving how to get access to my money. I don't know what else to do.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS STOLEN 2019 AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 


I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED. THERE SHOULD ONLY BE ONE ADDRESS BEING REPORTED TO MY CONSUMER PROFILE. I ADVISED THIS AND THERE ARE STILL BEING LISTED
Product: Checking or savings account

I previously opened a claim that was hastily closed with a vague response. No evidence of their investigation. Truist sent a letter stating the transactions were authorized- vague as before. We have called esurance and they can not pull up anything by her name. I tried to give them the old debit card number to search, since I dont know WHO is using the card, and they referred us BACK to Truist-who failed to stop the last debit from this merchant from the account when the INITIAL dispute was opened. The representative that reached out via email was shrewd. Im trying to figure out HOW you do an investigation without speaking to anyone! We need records so that we can appropriately dispute this claim with the merchant SINCE TRUIST REFUSES TO DO THEIR JOB. 

The company did not research this claim. If they did, documentation was not provided. XXXX has verified that there is not an account in my name at all. I even had them check for my kids names and nothing. So where is my money going? How can I authorize a transaction, a recurring one at that, and not even know who the person benefiting from it is??
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, CFPB My name is XXXX XXXX & my old name is XXXX XXXX until last year XXXX when I got naturalized. 
Ever since I got naturalize last XXXX, my credit history & scores were removed from Experian. I sent all the supporting documents to XXXX, XXXX XXXX Experian to update my name. Although, two companies were able to merge or add my new name on top of my old name to keep the score & histories. 
However, Experian is the only company not able to merge or add my name into the credit history, that's why I have XXXX score with 1 hard inquiry I have already contacted Experian numerous times & file a dispute online. 
Experian kept telling me it's not them having the issue, it was my creditor who's not reporting under a new name. So Now my bank rep is involved in my case to support me at this moment. I'm sending you a copy of supporting documents as well. 

Now I'm regretting why did I change my name & it's stressful to see XXXX XXXX XXXX on Experian portal. Only thing listed on Experian portal is my past home addresses & 1 hard inquires. I appreciated if you can carefully read my supportive documents. 

contact me if you need to access Experian Portal or Sensitive questions. 
Thank You. 
XXXX XXXX.
Product: Mortgage

On Saturday evening XX/XX/XXXX I received an email from Bank of America with the following subject line : Your Mortgage Correspondence is Available in Mobile and Online Banking XXXX Bank of America XXXX XXXX Sat, XX/XX/XXXX, XXXX ] After logging in to my Bank of America Mortgage account I got this message : " Online access ( including payments ) is not available for this account We apologize for any inconvenience. 
For account information, please refer to your paper statement, or call XXXX If we need to send you any mortgage account documents, we'll mail them to the address we have on file for you. '' Bank of America should not be allowed to freeze customers out of their Mortgage Accounts and should not be emailing them that their is Correspondence Available when in fact it is not accessible. 

XXXX XXXX Bank of America informed the CFPB that it answered a complaint that I made and that they sent that answer to me. How am I to access the Bank of America answer if I can not access my account. If Bank of America sent it to me in the mail or via XXXX or XXXX I have not received it. 

In addition to not allowing me to access my Mortgage account to check if the answer to my CFPB Complaint is there, and if there, to read it I also can not access information that is relevant to making a complaint ( s ) to the CFPB. 

Bank of America should not be allowed to block access to Mortgage accounts ( My mortgage is a Countrywide Mortgage that originated in XXXX ). As the borrower / mortgagor I should be allowed to access my account, which includes key documents and account history.
Product: Debt collection

Around XX/XX/XXXX of XXXX, I received a letter regarding an attempt to collect a debt from a Capital One credit card from a Loan Management company called XXXX XXXX XXXX XXXX regarding said credit card amount, the problem is is that I have never had a Capital One Credit Card, and according to the paperwork from the law firm involved. I attempted to get in contact with the law firm in question- within the time that hey had requested - I had a lawsuit filed against me. They did in fact send me information regarding the credit card- after notifying me of the law suit therefore after the first notification about the attempt to collect, and in that said packet they did provide a date in which the account was open which was XXXX of XXXX ; I was XXXX XXXX XXXX in XXXX, I do not believe that Capital One would knowingly allow a XXXX to have a credit card. I also did not possess a credit score until around the year XXXX ( Thanks to student loans )
Product: Checking or savings account

I filed two claims with my bank due to my card being used on a XXXX account. Both claims were denied. I spoke to customer service and they did not help to rectify the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX Experian XXXX Account XXXX : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Charge account Charge account XXXX Code : Individual Individual Account Status : Paid Paid Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$350.00} {$350.00} XXXX XXXX : {$150.00} {$150.00} Past Due : {$0.00} {$0.00} Payment Status : Current Late 180 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Canceled by XXXX XXXX Account has been closed due to inactivity. 
XXXX XXXX ITEM IN DISPUTE BY CONSUMER Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX OK OK OK OK OK OK OK OK OK Experian XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX Experian XXXX Account XXXX : XXXX Account Type : Revolving Account Type - Detail : - XXXX Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$150.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account closed at consumer 's request Closed or paid account/zero balance Date Last Active : - Date of Last Payment : RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next XXXX days. Enclosed are the supporting documents for your review.
Product: Debt collection

During my subscription to XXXX XXXX a wireless network router had been installed onto my system package without my consent. Soon thereafter, a series of movies on XXXX suddenly appeared, ranging in price from : XXXX to XXXX. Customer support informed me that I was liable for the charges regardless. The time stamps for the movies were seconds/minutes apart ; nevertheless the support manager insisted that the time stamps were irrelevant. 
I had suddenly became a victim of extortion by the XXXX XXXX company.
Product: Money transfer, virtual currency, or money service

Starting on the XXXX of XX/XX/2019, I fell victim to fraudulent Crypto Currency companies named XXXX ( the Companies ).  Money was transferred from my account to the Companies via credit card for a total amount of XXXX GBP utilizing Coinbase services.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating XXXX XXXX Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXX timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611
Product: Debt collection

Honda financial received my car and didnt clear my name but instead damage my credit by adding wrong information on my credit report. Need such information removed because it is affecting my credit.
Product: Credit reporting or other personal consumer reports

To see if the bank will continue to bury themselves in the process of procedures to show that consumer concern or Solutions any Solutions are not time to be meant this company is intentionally trying to hardship people its intentionally trying to predatory people it's intentionally double double dipping and getting money from paid off chargebacks and extortion fees has been extorting me for many years to the point it's been past Statue of limitationsTo the point it's been passed many disputes that in the disputes it was ruled to be deletedAnd other other credit report it has been deleted but just so happensThis bank will not delete itIn fact they have it past Statue limitations they haven't passed violations that have a past not only violations but criminal charges nowI am going to take this to aCidAnd personallyI amBeen under a lot of hardship under it because of itAdvances discriminations andGo ahead and continue the same behavior because when it comes to court it's going to be very very easily spotted when I have a stack full of papers and your responses where all the same