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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I've marked as inaccurate : XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX, multiple inquiries from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries on your report that you don't recognize. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have continuously receive debt collecting calls from different numbers referring to themselves as " Portfolio Recovery '' They call from a range of different numbers all through out the day often times they call from a spoof number ( a number similar to mines ) a XXXX area code. This is harassment and it must be stopped. The dates that this company has called me on has been numerous but the most recent are as follows " XX/XX/21 from XXXX, XX/XX/21 from XXXX, XX/XX/21 from XXXX, XX/XX/21 from XXXX, XX/XX/21 from XXXX. This needs to end now.
Product: Credit reporting or other personal consumer reports

My application for an XXXX credit card was rejected based on a credit report from TransUnion that stated insufficient credit history. Upon contacting TransUnion they have refused to inform XXXX that TransUnion had completely screwed up my credit report and had XXXX reports under my name XXXX with no credit history and XXXX with a credit history. I have requested that TransUnion contact XXXX and submit the correct credit report and they have refused.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was placed on a forbearance plan with Wells Fargo for a financial hardship I was going through. I was told to pay {$25.00} a month during this forbearance plan. I paid my XXXX XXXX monthly and on time. At the end of the plan, I was supposed to pay aprx. {$17000.00} to bring my loan current. 

During that time frame, I found a position with a company who paid me {$80000.00} a year. This company ended up laying me off 2.5 months later in XXXX of XXXX. This was the first time I had ever been laid off. I asked Wells Fargo if they would like me to submit the documents for proof and they said " it was n't necessary ''. They told me they would work on finding a way to extend the forbearance. Over the next several months, I cooperated with their Home Preservation team to provide the documentation they asked for. During that time, I was shuffled from one Home Preservation Specialist to the next. There was always some problem and some excuse on their end as to why they did not receive the documents. I faxed them, emailed them, uploaded them and still received the run around. During that time frame, I was assigned to aprx. 5 different specialists. 

I was told by the Home Preservation team to go ahead and pay my full monthly payment until a decision was made on their end, which I did. Then I found out my payments from XXXX XXXX ( checking account ) were getting denied. I called and clarified the routing number ( they claimed they had the wrong one ) and then the payment eventually went through. The next month, the same thing happened. Called them again, confirmed the routing number and yet the payment did not go through. 

So I went to Wells Fargo with cash to pay my full mortgage and they would not take my cash! The bank system at the branches do not talk to the Home Preservation systems. This is a real problem. The bank told me I was in foreclosure status as of XXXX XXXX. This is impossible because XXXX XXXX, I received a letter from the Home Preservation team stating we need to talk about other options available. I WAS NEVER SERVED BY A POLICE OFFICER, NOR WAS I EVER INFORMED VIA FED EX, OR ANY OTHER FORM OF PROCESS / COMMUNICATION, ETC. 

So, I contacted a supervisor at the Home Preservation Team and he told me the following law firm had contacted them : XXXX XXXX XXXX XXXX. Sure enough, I did some research and there are multiple lawsuits against these Ponzi Scheme artists and I have fell a victim of their ongoing criminal activity. I 've posted a link below that discusses their recent ( one of many ) class action lawsuits guilty of doing the same thing they are doing to me. 

XXXX XXXX XXXX I encourage those to come forward who are in this situation. THIS NEEDS TO STOP!!!! 

Now the bank is trying to force me to short sale by XXXX/XXXX/XXXX. I have n't even been served yet! How is this possible????? I 've been in this house 7 years. I have quite a bit of equity in it. This is ridiculous. 

Justice needs to be served against these criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see an inquiry that I do not recognize from CAPITALONE on XX/XX/2023.
Product: Debt collection

I keep getting calls from the same number every day, and they leave a voice mail, and it's the same pre-recorded voice mail, saying " This is a very urgent and time sensitive message please kindly return our call using the number on your caller ID as soon as possible to be connected with a live representative who made better assist you again please return our call at your earliest convenience thank you and have a wonderful day '' The voice mail never mentions who the caller is or what company they're from. Today, on XX/XX/2023, they called twice with the same message as usual, at XXXX and at XXXX, and they won't leave me alone.
Product: Checking or savings account

I have problem with Bank Of America  Checking Account # XXXX XXXX XXXX. And in particular, with they debit card overdraft fees. Just today I was trying to explain representative and his supervisor, that bank can not charge overdraft fee for debit card purchases especially, one time purchase as I have it with XXXX XXXX posted on XX/XX/19. Today they offered me that I can enroll in special feature which will decline all debit card overdraft transaction, but I will be paying monthly fee of {$4.00} with some cents. I agreed to enroll, but asked them to reverse two overdraft fees for purchase on XX/XX/19. First of all, I was not aware that I need to enroll in special program, I thought that debit card purchase will decline automatically if there insufficient fund. Second, is that XXXX XXXX, as I mentioned above, is one-time debit card purchase, and it against the rules to charge overdraft fee for that. However, supervisor declined my request to reverse charges
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my credit report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

# 2 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 report under 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 consumer I am demanding the deletion of the accounts listed IMMEDIATELY. # 3 15 U.S. Code 1681c2 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, not later th
an 4 business days after the date of receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated mt 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On Wednesday XX/XX/XXXX I called to Ameris Bank and requested that my account stayed opened. I provided the representative on the phone with information that I had lost my job which caused my account to be overdrawn. I told her that on Friday XX/XX/XXXX I would be receiving a direct deposit from 2 of my new employers and I would like to request to make sure that my account does not close because Ive had it over 10 years. I never signed ANYTHING or agreed to ANYTHING that allowed this bank to close my account without my permission. Especially since I notified them of the future deposit. I was notified on Thursday XX/XX/XXXX that my account was closed without my permission. The email stated any transactions to or from the account would be cancelled. Now my account has been closed and I am awaiting a cashiers check which is going to take who knows how long. This has put a financial strain on me because of the companys unfair non transparent practices. My account should have never been closed initially. This is a consumer protection violation. Then they had the nerve to close my account and say I did it which is fraud! This is going to be listed on my consumer XXXX report which will cause me not to be able to open another bank account fairly which is another violation of my rights as a consumer.
Product: Debt collection

I.C. SYSTEM, INC. It says I owe to this place as of XX/XX/year>. I do not have any accounts opened with them.
Product: Student loan

In short : I was XXXX from XXXX XXXX  in a XXXX  location, I applied for 0 % interest, got approved on XX/XX/XXXX, but they never applied it to my account nor refunded the interest I was forced to pay those months. I also have loans above 6 % in violation of SCRA, I was approved for this as well and they never applied it. They do not respond to my calls or emails. I've attached the letter from my lawyer that I sent Mohela and supporting documents.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023- I made complaint to this credit agency regarding INACCURATE AND INCORRECT information being reported on the consumer report WITHOUT MY PERMISSION. 

XXXX. XXXX XXXX is being reported as a delinquent account without my permission - violation of 15 USC 1681 ( b ) - the account is NOT in delinquency. SHOULD BE UPDATED TO REFLECT AS PAID or REMOVED IMMEDIATELY. 

XXXX. All DEPARTMENT OF EDUCATIONXXXX are still reporting late payments! This is FALSE AND INACCURATE. Both XXXX and Experian do NOT report such inaccuracies as the accounts are PAID. Experian needs to CORRECT THE REPORTING FOR ALL STUDENT LOAN ACCOUNTS to reflect its status as PAID! There are NO late payments. ( see attached evidence of the reporting shown via XXXX and XXXX. ) XXXX. There is a COLLECTION account that was previously removed that is now being again reported to the consumer account! THIS IS FALSE AND INACCURATE information! - XXXX XXXX XXXX is being reported as a {$130.00} past due which is FALSE! This issue was already reported as being inaccurate and incorrect by the apartment complex directly ( please see attached email proof ) // THIS ACCOUNT IS ALSO REFLECTING A COMPLETELY DIFFERENT DEBT COLLECTOR FROM THE PREVIOUS. False and inaccurate all around - REMOVE THIS ITEM IMMEDIATELY. 

XXXX. The identifying information being reported is false and inaccurate. REMOVE THE FOLLOWING ADDRESSES IMMEDIATELY : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THE FOLLOWING EMPLOYERS ( INACCURATE ) - XXXX XXXX - XXXX XXXX XXXX THESE INACCURACIES AND FALSE MISREPRESENTATIONS BEING REPORTED BY SUCH AN ELABORATE MECHANISM ( CREDIT AGENCY ) ARE ADVERSELY AFFECTING MY PURSUIT OF HAPPINESS IN OBTAINING CREDIT AND LIVLIHOOD. 

CORRECT THE ISSUES IMMEDIATELY.
Product: Debt collection

the debt was a result of identity theft. after contacting the company by mail on numerous occasions I've decided to pay the debt off completely. the company sent me a letter stating my debt has been satisfied and I have no obligation relating to this account. The collection is still showing on my credit file. I contacted the company and spoke with Rep XXXX who was very rude and refused to help me to remove the collection from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX navy federal and XXXX  XXXX XXXX are all showing on a XXXX XXXX consumer report these are all stemming from identity theft in which I've sent police reports affidavits and ftc reports these financial institutions have chosen to violate my rights and not remove these invalid and illegal accounts from thier system over hired an attorney to take matters to local and federal courts
Product: Credit card or prepaid card

Wells Fargo broke the law by : 1 ) increasing APR on my credit card without any reason - no monthly payment missed by me ever, no any other problems with paying off from my side 2 ) not notifying me properly about the APR increase 3 ) not giving me an opportunity to opt out the changes in the original terms in my agreement with them and not sending me a 45-day advance notice about the increase in APR.

The initial APR on the credit card with wells Fargo was 26.49 %, which was already ridiculously abnormal for a regular credit card with a major bank. 

Then that APR began changing, without any reason and proper notification of me, as follows : XX/XX/2018 : 27.24 % XX/XX/2018 : 27.49 % XX/XX/2018 : 27.74 % Total increase in APR is 1.25 % By filing this claim I opt out all the increases in APR and dispute the difference in APR charged by Wells Fargo on my account.
Product: Debt collection

As, I was checking my credit report I have come across that this company is on my report. stating that I owe XXXX XXXX dollars.This is only being reported on one report which is XXXX.I don't owe them anything. I have XXXX XXXX in my name as I am writing this statement. Which my account with them is XXXX dollars. So please explain to me how this is on my account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

i send the money to the wrong person, so i talk to the company to refund the money, now it almost two weeks later, when i talk to them they told me they need confirmation on they partner. but I do need my money back so I can pay my bills
Product: Debt collection

This company is attempting to collect a disputed debt that is presently being investigated by the XXXX Atty General and several other entities. This is related to a Navient XXXX loan, which I have also filed a complaint against with you, due to their repeated violations of the Fair Debt Collections practices Act ( by disregarding 2 cease and desist letters issue to them ). In addition to Navient continuing collection calls, they have turned this disputed account over to XXXX XXXX XXXX in an effort to collect and harass me about this disputed account. They called me repeatedly - 11 times on XX/XX/2022. This is clear violation of debt collection laws and needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im was looking at my credit to make sure Im keeping up with everything and I saw several items on there that is not mine. I was told you all can help me with this. I have filed a complaint with the FTC and reach out to the police. Im doing this on my own and need some help. I saw these accounts that I dont know anything about XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There also several inquiries that I did not run my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my TRANSUNION credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuracy.
Product: Credit card

Capital One shut down two credit cards I had with them, and cashed out my reward points at 50 % of their value. Specifically, my Capital One Venture One card ending on XXXX had XXXX points that were cashed out as a " cash back reward '' for {$900.00}, causing me a loss of {$900.00} compared to " travel reward '' redemption option. My Capital One Venture X account ending on XXXX points were also cashed out as a " cash back award '' at 50 % of their value {$550.00}, likewise causing me a loss of {$550.00} compared to " travel reward '' redemption option. Additionally, I paid a {$390.00} annual fee for the Venture X card on XXXX XX/XX/XXXX, and Capital One Customer Service refused a full or pro-rated refund after the associated credit card account was shut down in XX/XX/XXXX. Thus, the total loss of my reward points value and annual fee equals {$900.00} + {$550.00} + {$390.00} = {$1800.00}. I can add that I always paid my Capital One bills on time and have excellent ( XXXX ) credit score, and I even have no issue with Capital One not wanting me as a customer as of last year. But theft of half of my accumulated rewards and at least half the value of the annual fee that I paid on one card is not okay.
Product: Debt collection

The collection agency mailed a collection notice on XX/XX/2018 to an address that I no longer reside. I did not receive the letter until approximately 2 months after it was mailed because I have not resided at that address for more than 3 years. The debt is not mine and I do not owe any funds to the collection agency. I mailed the CA a debt VALIDATION ( not verification ) request letter via certified mail on XX/XX/2018. On XX/XX/2018, I received a letter from the CA in response to my request for debt validation. The company sent a copy of a bill that included my name, previous address, and dates during which I was NOT living at that address or in that state. Not only does this information fail to satisfy the criteria for proof of debt validation, but I believe this information was obtained under false pretenses. Much of my personal information was leaked in the recent XXXX, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently.