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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Debt collection

In XX/XX/2018 I ended my contract with XXXX after 5 years, I canceled it on the contract end date according to the representative. I canceled it and went into a XXXX store and worked with a customer service representative for XXXX who Took my phones and equipment on the account, I paid for one phone I wanted to keep for our daughter. I paid the account in full at the store with a check ran as a direct ACH debit at the register. The account was then canceled and I left. Only to later receive a bill for {$190.00} from XXXX. Which has now been sent to collections and reported to the credit bureau negatively and inaccurately by Convergent Outsourcing INC . I have sent proof to both companies, this account was paid in full on the cancelation date. 
This account was paid in full and canceled at the XXXX store with a representative who said it was now closed and no further charges would be assessed. I also called customer service to verify this and was told it was closed and PAID IN FULL. Theres not much more you can do to close an account and avoid further charges. This is unfair, and inaccurate and causing my score to drop severely with XXXX. I have disputed this with the credit bureaus with proof of payment in full on the memo of the check paid as an ACH at the register at the store, so I had proof of payment. I do not owe this debt to XXXX which sold it to C.O.I. who is also repeatedly violating My FDCRA by changing the assigned date of this account. It is only being reported to XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 15 U.S.C 1681 section 602 A. States I have right to privacy.

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

Hello, In the month of XXXX, there was an Accounting oversight on my end that led to my payment being late. As soon as I identified this, I initiated a transfer/ payment the morning of XX/XX/XXXX around XXXXXXXX XXXX XXXXXXXX through the mobile app as I always do. During this process, you select a date on the Calendar that you want the funds to 'Arrive by ' and I selected XX/XX/XXXX ( see attached for reference ). 

The funds for the payment were deducted from my XXXX XXXX  Account on XX/XX/XXXX ( please see attached as shown on my bank account ). 

The funds were sent over to Associated Bank on XX/XX/XXXX and should of been processed on XX/XX/XXXX ; however, it took until XX/XX/XXXX to show process which reflects that my payment is past 30 days late, severely affecting my credit report/ history. 

I also attached my XXXX Transfer payment and what does not align is that the day my funds were deducted from my account, they were processed/ received by Associated Bank that same day so I do not understand why this time there was such a delay in processing my payment despite the funds being deducted from my account on XX/XX/XXXX and noted in the transfer too. 

Going into that weekend on Friday, XX/XX/XXXX, the funds were deducted from my bank account and Associated Bank noted that those funds were deducted from my account. However, when I went to pay XXXX, I noticed my Account was not updated to reflect XXXX payment. 

On XX/XX/XXXX, I direct messaged Customer Service through the Online Portal account ( attached is the conversation ). Customer service acknowledged the delay in processing and apologized. On XX/XX/XXXX, I replied and then called Customer Service and spoke to a Manager on Duty. She stated that she was not sure why it took so long and said she was personally going to file an internal complaint. I asked what else can I do to rectify and she said I could email XXXX to formally submit a complaint and seek further assistance. 

On XX/XX/XXXX, I spoke with the loan Service Provider and they stated there was nothing they could do despite the funds being deducted from my account on XX/XX/XXXX and Associated Bank acknowledging the delay and funds being sent over before XX/XX/XXXX. 

This is very misleading and fraudulent and I feel that this issue should be rectify because of the delay in processing my payment and the fact that those funds were deducted and sent over on XX/XX/XXXX. There are inconsistencies with when those payments are showing paid, from the date you select during the Transfer process, from what is being communicated by Associated Bank, and when the funds are deducted from my personal bank account.
Product: Bank account or service

Wells Fargo Bank in NC, where I bought and sold a house and relocated to XXXX, kept over {$3000.00} in an escrow account after I closed on my house. They then claimed I abandoned the money and they turned it over to the state of NC. All the while, I had several existing accounts with Wells Fargo, including a stock account but, they claim they could n't locate me? I still have a WF account, including a credit card account, with WF. 
After more than 3 years of trying to claim ownership of my funds from WF and the state of NC, I have been told I have n't provided enough evidence I " owned '' the money or " proved satisfactorily '' I am who I say I am. 
Is there anything you can do to help? This seems really unfair that they contacted me to tell me that they have my funds but not turn them over to me because they ca n't find me?
Product: Student loan

My PPL was transferred from Great Lakes to Nelnet. The loan is in my parents name and the only account information we were given was our Nelnet ID. We cant log into the account because Nelnet says we have no account with them. Weve tried calling and have been on hold for a total of 20+ hours, emailing, and sending written mail with no response. Nelnet is predatory and unequipped to manage our loans
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 inaccurate.
Product: Debt collection

After seeing Debt Recovery Solutions on my credit report I contacted the original creditor because I thought this bill had been paid off already. The original creditor ran my name and social security number it showed a {$0.00} balance. I decided to inform Consumer Finance after completing a over the phone dispute XXXX because the bill is still being reported as open. The bill being reported as open leads me to believe XXXX XXXX XXXX is ignoring the cease and desist I sent them through their own website on XXXX/XXXX/2015 XXXX. I do n't work with collection agencies to settle debts. 
I had a bill go to collections a few years ago that I paid. 
The collection agency however never reported the bill as paid, instead they sold it to another collection agency. I showed the proof to the new agency which stopped it 's collection efforts and the original creditor who counted my bill as paid in full luckily for me.
Product: Student loan

XXXX 2017, the IRS and the XXXX XXXX XXXX informed me that a collection agency by the name of Immediate Recovery are in charge of my loans now for the amount of {$50.00}, XXXX. I have made many attempts to contact them and still no response. I have even asked the representative s that do  answer to please leave an email with my request to speak to them but still they have not reached out.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that AARGON COLLECTION AGENCY is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ). I have already tried to clear this issue with XXXX, but they use a stalling tactic to deny my requests and state that they don't have authorization to tend to this complaint but this is me and XXXX has my full consent to resolve this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans were paid in full in XX/XX/XXXX, I thought I gave Navient ample time to submit my account status as paid to credit bureaus, as I did not start inquiring until XXXX, XXXX as to why they show " deferred '' with an outstanding balance of over {$130000.00}. Each time I am given the run-around. The last representative I spoke to in XXXX, emphasized with my position as this is hindering my ability to obtain new credit because of the high balances an assured me he would send in correct to the 3 bureaus. I called back last week on or around XX/XX/XXXX to inquire if my credit bureau had been correct. I was told by another representative that she saw the notes from the last phone call. She further stated I would need to send Navient a letter disputing the debt they are reporting erroneously, along with a copy of a credit bureau that shows how the debt is reporting of which I did as requested. I called to check on if Navient is in receipt of letter, I was told yes, but it will take a while. I am disabled and need to  purchase a lawnmower on credit so I can have a riding mower as I am unable to cut my grass with a push lawn mower now. I really need help getting this off my bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I made a purchase in the amount of {$25.00} on my Macy 's card. On XX/XX/XXXX I made a payment in the amount of {$40.00} to Macy 's. On my XX/XX/XXXX billing statement I was notified that my account was past due. I immediately called Macy 's to explain that a payment was made on XX/XX/XXXX. They could not locate the payment and I was told to file a dispute which I did. The results of the dispute arrived in XX/XX/XXXX and indicated that my payment was sent to an account that was XXXX  in bankruptcy in XXXX and that the balance on that account was over {$800.00}. After receiving the dispute results, I called Macy 's in XX/XX/XXXX requesting that the funds that were misapplied by TRANSFERRED to the appropriate account. I was assured that would be done and the late fees removed. In XX/XX/XXXX, I received another statement saying that my account was passed due. Again, I immediately called and asked to have the misapplied funds transferred. The associate was very helpful and was honest and revealed that this request would require XXXX  approval, and that the previous associate did not submit the request given the reason that " the customer wished to withdrawal request ''. She assured me that she would submit the funds transfer request. XXXX  XX/XX/XXXX I receive another communication from Macy 's stating my account was passed due, and again, I call immediately and initiated a second dispute. This time I was transferred to XXXX and told that they COULD NOT TRANSFER the funds, so they would have to issue a refund. On XX/XX/XXXX I submitted a complaint to the XXXX  XXXX XXXX On XX/XX/XXXX my account was reported delinquent to the credit bureaus. On XX/XX/XXXX I received the refund check for {$40.00} which I must stress, I DID NOT ask for. I wanted the funds TRANSFERRED. I called Macy 's that day and during this call the associate was able to remove all but {$2.00} of the associated fess and interest. I told him that I would send payment in the amount of {$27.00} via my bank 's bill pay. On XXXX XXXX Macy 's received the payment. Macy 's responded to the XXXX  with inaccurate information, and although they have removed the delinquency from my account, they are still reporting my account as " passed due 30 days '' for the month of XXXX to the credit reporting agencies. This " 30 days past due '' is because Macy 's refused to transfer misapplied funds/issue a refund in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit act 1. XXXX XXXX of XXXX Original creditor XXXX XXXX XXXXr Acct # XXXX 2. XXXX XXXX  Acct # XXXX Original creditor XXXX XXXX XXXX 15 U.S.C Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

I closed out my CD with XXXX XXXX on XXXX/XXXX/2016 and received a Cashiers check for {$100000.00} on XXXX/XXXX/2016. 
I deposited this check on XXXX/XXXX/2016 in the ATM machine of m my local ( XXXX XXXX ) Wells Fargo Bank. Wells Fargo has placed a hold on this check until XXXX/XXXX/2016 with the excuse that the account was not found. The account no. 
is clearly printed on the check and XXXX XXXX assure me that the funds have been transferred to Wells Fargo. 
Wells Fargo refuses to lift the hold and states that it will attempt to locate the account again on XXXX/XXXX/2016 and will return the check to me if they fail. Is there any way to resolve this issue?
Product: Money transfer, virtual currency, or money service

On XXXX, XX/XX/2024, I got a call from XXXX XXXX phone number ( XXXX ) said that someone stole {$XXXX} from my checking account. He walked me through every steps to get my money back. At first, he told me to go to my keypad and typed in a line of numbers. After that, my phone went grey and I think he has access to my phone because he could see what I was doing on the phone. He told me to type in the name, address and rounting number. He told me to click transfer, and I lost {$XXXX} instead of getting it back. I realized he was a scammer right away and called XXXX XXXX to cancel my transaction and file a claim. I also went to a XXXX XXXX branch and talked to the banker to figure out what was going on. They said they will try to get my money back for me. I also filed a police report to make sure that I got help right. I hope that you can help me get my money back because it was clearly I got scam from XXXX XXXX phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED ON NUMORUS OCCASIONS A PHYSICAL VERFICATION OF THE ORGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSCAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOTCONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIEDINVALID ACCOUNTS MUST BE REMOVED. XXXX, TRANSUNION, XXXX HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOS REPORTING OF FRAUDUELT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME.
Product: Checking or savings account

Phone was stolen in XXXX and the party that stole the phone hacked into my Chase App on phone. Sent a transfer through XXXX for {$2500.00} without authorization after my phone was taken. Filed a police report with XXXX XXXX for stolen property and identity theft. XXXX XXXX filed a complete report, filed a report with XXXX and my phone service provider. JP Morgan has denied giving my money back because they claim XXXX has no retrieval process for unauthorized funds. Been dealing with this and battling Chase for over 6 months and still have denied my claim. Need help with this because Chase shouldnt be doing business with a company that has no retrieval process for unauthorized transfers. Any help is greatly appreciated!
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank Account XXXX with a reporting " voluntary surrender '' in the amount of {$38000.00} is reporting on my credit report. It is an inaccurate account and MUST be removed immediately. It violates 15USC 1681 a, i, j. Attached is a copy of the FTC report to prove the account as fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX regarding several violations of my consumer rights. Specifically, I am concerned about breaches of both Federal and XXXX XXXX State laws relating to the handling and disclosure of my personally identifiable financial information. 

( Violation of Federal and State Privacy Laws ) - XXXX XXXX has failed to provide me with the opportunity to opt out before disclosing my personal financial information to third parties, including other financial institutions and consumer reporting agencies. This lack of disclosure and opt-out option violates my rights under the Gramm-Leach-Bliley Act ( GLBA ) and the XXXX XXXX Data Protection Act ( NJDPA ). 

Despite my clear instructions that I did not consent to such disclosures, XXXX XXXX has asserted their right to share my information based on their Privacy Policy and Privacy Notice. However, these documents state : " Personally identifiable financial information collected by financial institutions ( like XXXX XXXX XXXX is subject to other federal privacy laws ( such as the Gramm-Leach-Bliley Act ( GLBA ) ). '' " For New Jersey Residents : We will not share information we collect about you with non-affiliated third parties, except as permitted by New Jersey law, such as to process your transactions or to maintain your account. '' ( Failure to Provide Accounting Information ) -I have also requested a detailed accounting of my account, including documentation signed by an authorized representative, to clarify the true amount owed and the source of funding for the account. Instead, XXXXXXXX XXXX has only provided me with a copy of the Promissory Note, which reveals multiple violations of the Truth in Lending Act ( TILA ). 

( Inadequate Handling of Correspondence ) - Additionally, despite my specific instructions that all correspondence be sent to a designated address, XXXX XXXX continues to send mail to an address that is inconvenient for me. This disregard for my specified address is a violation of my privacy. 

( Identity Theft and Extortion Concerns ) - Federal law defines identity theft as " a fraud committed using the identifying information of another person '' ( 15 USC 1681a ( q ) ( 3 ) ). By disclosing my personal information without my consent, XXXX XXXX actions can be considered identity theft. Furthermore, these actions may also involve depriving me of my rights under color of law ( 18 USC 242 ) and could be construed as extortionate collection practices ( 18 USC 894 ). 
If these issues are not addressed promptly, I will consider taking further action to protect my rights, including seeking damages for breaches of the Fair Credit Reporting Act ( FCRA ), TILA, Uniform Commercial Code ( UCC ), and New Jersey consumer protection statutes.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and would like them remove Account name/ # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name/ # : XXXX XXXX # : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Also states a consumer reporting agency can not furnish a without my written instructions 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall 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 inaccurate 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft, reports filed. I submitted FCRA reports to each credit reporting agency in XX/XX/2019 and XX/XX/2019. 
XXXX and XXXX have removed the fraudulent account. Equifax has not removed the account after receiving the documentation for months ago. 

Listed below is the referenced account : XXXX XXXX XXXX XXXX XXXX - Balance I have no knowledge of this account and this account is hindering me from moving forward with purchasing my home.