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

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.

This is a Debt buyer. As this debt buyer is not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions.

( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 

In addition, Per Wenger v. XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under 15 U.S. Code 1692g. Validation of debts I request that this Non-Creditor validate this debt by providing proof of this alleged item, specifically the original application, original contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law. Please research and delete the inaccuracies ASAP. In the past I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use.
Product: Checking or savings account

my name is XXXX XXXX XXXX. i been try to get access to my Wells fargo account Complete Advantage checking account is XXXX Money Market saving account is XXXX i have spoke with young lady on Wednesday XXXX, the Well fargo bank employee is from the enterprise complaint management office. she wasnt helpful, very unprofessional. 
Iam victim of a identity theft. 
Here are some of the miss spelling of my last name and also the wrong last name has it has you're under the credit reports also have appeared under different bank such as XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Good afternoon. 
Reference ID : XXXX I want to file a complaint because my account was restricted and closed for no reason. I accepted payment for programming, coding and other projects, but they closed it and did not give me anything to explain. Please consider my appeal and give a serious answer
Product: Credit reporting

I am a victim of Identity Theft. I was out with a few friends at the casino, and misplaced my purse. My card was not on the table where I was playing the slot machines, and when I went to go look in the reception, no one had claimed to return it. I have noticed a lot of items on my credit report are not mine and believe someone has access to my personal information and has been pretending to be me. Please investigate this matter right away. Thank you
Product: Mortgage

Loan Inquired about recasting on XX/XX/XXXX Did not hear from company untilXX/XX/XXXXby mail, despite being told someone would call me withing 24 hours. 

Submitted large principal payment onXX/XX/XXXX to signal recast. Was assured paperwork to recast loan would then automatically arrive by XXXX  later the following week (XX/XX/XXXX latest ). Package did not arrive ( and was not sent by XXXX ) until XX/XX/XXXX. 

Recast document contained two legal errors which amounted to entrapment whereby I was forced to acknowledge that interest rate might change could change and payment could change, despite the loan interest rate being fixed and payment being fixed with no escrow. Requested that they change the language. Wells refused and obfuscated. Spoke to independent attorney and was advised that Wells was in error and document should be fixed. Wells essentially said " take it or leave it ''. 

High unethical. Predatory. Incompetent. Bureaucratic. Worst customer experience of all time. If you can avoid Wells Fargo, avoid them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to obtain my Equifax credit report for years. I have made countless attempts including hours on the phone and in prior years, I have faxed in requests with documentation to get access. I spent over an hour last night only to be given a fax number that was the phone line! I didn't realize it at the time until I tried to fax this morning. I have only had XXXX names during my life. I have had the same phone number for over XXXX years and been at my current address for nearly as long. I can nail every question they use to verify who I am, but because they have something wrong on their end I can not access, dispute, monitor and have been denied credit. I suspect what they have wrong is related to my name or address. The lady told me last night it is my responsibility to notify the credit bureau when I change my name. I have never notified any credit bureau as such and quite honestly, I am not comfortable sending copies of my driver 's license, social security card, marriage certificates and other requested documents through the mail in one envelope. I work in the insurance industry, and I see claims often for identity theft. I feel like I am handing them the tools to steal my identity by sending everything in XXXX letter. I tried this with social security when I needed to update my name and they said they never received the package, and it had my original marriage certificate in it as required. Now I no longer have it and I was married out of state. Recently I had to request a replacement and it was almost {$100.00}. They have an option to make a request online, but because they have something wrong, I get an error every time and it will not allow me to make my request. I would like a usable fax or email address that I can send them my documents to them without using the US Postal Service. I have documents, but I am not going to attach them because they have my personal information in them such as social security, DOB and other details.
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 XXXX Account XXXX : has violated my rights. Or a 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: 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 posting 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 transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

EXPERIAN : XXXX XXXX Balance : {$1900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$710.00} XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX : XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX {$710.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I would like to reopen a disputed transaction that Bank of America considered as resolved. It is about my recent dispute transaction with XXXX ( Claim ID:XXXX ). XXXX took out {$100.00} from my account without my authorization because their ticket buyer claimed that I sold invalid tickets. XXXX emailed me about this and asked me to obtain every proof that I can get from the venue itself, as well as my proof of purchase. I replied to their email right away and gave them everything they asked for ; however, the venue was not able to give me ticket scans. I sent XXXX all my chat conversations, and they have decided to take out the money from my account without giving me proof that their buyer was telling the truth. I am furious that Bank of America allowed XXXX to take out money from my account without my authorization. During the dispute process, XXXX sent them data and information about the transaction, and sent them user agreements from their website. As quote on quote stated on their user agreement : " If you fail to respond to this email and or to take any other actions required by XXXX to investigate the invalid ticket claim, you may be charged an amount equal to 55 % of the cost of the original tickets. In addition to the invalid ticket charge described in the paragraph above. A respnse constitutes an acknowledgment of our request and bonafide the effort to investigate the clain and obtain documentation. HOWEVER, FAILING TO RESPOND, AND NOT BEING ABLE TO PROVIDE DOCUMENTATION ARE NOT THE SAME. WE UNDERSTAND THAT EVERY TEAM AND VENUE IS DIFFERENT, AND THERE MAY BE CASES WHERE YOU CAN NOT OBTAIN DOCUMENTATION TO ASSIST IN THE INVESTIGATION. IN THESE CASES, WE 'LL WORK WITH YU AND USE YOUR HISTORY WITH US, SPECIFICALLY YOUR INVALID TICKET CLAIM RATE TO DETERMINE THE RESOLUTION. '' XXXX in no way worked with me on this when I emailed them and asked them for proof that the buyer was not lying and was not able to use my tickets. They did not reply back after they have already taken out the money from my account. I used their chat option to be able to talk to a representative, and I told the chat agent that I have a clean selling history with them and asked them to reconsider their decision, but they refused to give me that and they blocked me from using their website. Bank of America overlooked this on the documentation that XXXX sent them, and I still do not understand why Bank of America considered this as resolved when nothing has been resolved. XXXX refused to work with me even though their user agreement states that they will work with sellers when it comes to special cases like mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account # XXXX 30 days late in XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a late payment in my student loan for over 10 years and the Navient company never notify me of the late payments that they were reporting on my credit report during the pandemic I was never aware of any problems with this account until they notify me that the account was going to be charged off when I did not pay. But I immediately paid it when I realize that they were putting late fees and late payments on my credit history. 

First of all, is not fair that I was not notify of this problem and that they went along with it for over 8 months. 

Secondly this late payments are inaccurate because I did make my payments in XXXX on time. something that I do not understand is, why would they report a late payment when it did not happen. 

I have already notify the company of this problem but they refuse to correct their mistake the late payments are inaccurate. I am asking for Navient to send proof that I was in fact late in the accounts and that all the information is correct and verifiable. 

All this happen between XX/XX/XXXX to XX/XX/XXXX The fair credit reporting act establish that all accounts reported in a credit report have to be 100 % accurate and verifiable if the account is not accurate or verifiable the account needs to be removed. 

Thank you,
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions XXXX have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting

On XXXX/XXXX/XXXX an inquiry on my Equifax shows for XXXX XXXX XXXX XXXX XXXX. I disputed this item with Equifax and was told to contact the creditor. I sent letter to creditor 's address and letter was returned unopened from USPS with yellow sticker indicating that this was a bogus address. I sent the letter to Equifax with explanation asking them to remove inquiry that it was fraudulent. They sent back a request that I contact the creditor. I called XXXX and spoke to XXXX, her supervisor, then XXXX, then XXXX, then finally supervisor, XXXX who said I needed to file complaint with FTC. 
SUMMARY : Inquiry on Equifax dated XXXX/XXXX/XXXX Confirmation # XXXX can not be removed by Equifax , nor can they help me to get in touch with whosoever filed it for XXXX XXXX. 

Please help.
Product: Checking or savings account

Due to mail handing issues, Wells Fargo flagged my checking account to be force closed without informing me. When they closed the account, they put a cashiers check in the mail to the wrong address and will not give me the funds from the account at the branch.
Product: Mortgage

Property was subdivided in XXXX. We bought property in XX/XX/XXXX. Per county policy, tax map # is not updated until property sold.. When we received first tax statement reflecting new tax map #, CMG financial ( mortgage company ) was advised. They continue to pay taxes on wrong tax map # and I am receiving delinquent notices. They have been contacted several times over this matter. My tax collector spoke with them in XXXX XXXX and they promised it would be corrected. In addition, because of this error, they have increased my mortgage payment. They refuse to correct this! 

my tax map # is XXXX they are paying on XXXX Mortgage payment should be {$1000.00} They increased to {$1000.00} because they are paying neighbors taxes.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account wihtout 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, 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 innaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I discovered that Experian was charging me a monthly fee of {$23.00} that I do not recall authorizing. At the time I experienced difficulty trying to get the payment cancelled. I located several telephone numbers related to customer service, but not once was I able to get in contact with a real person. The system is automated and is very limited on the options. There was no option to either speak to a person and/or cancel membership. This month I was again hit with the charge, even though on XX/XX/2019, I received notice that the membership was cancelled ( in response to an on-line notice sent by me to Experian. I was again billed in XX/XX/2019 and again this month, XX/XX/2019. On top of that, I initially tried to cancel membership as early as late XX/XX/2019, but was unable to contact anyone to handle this. After discovering the most recent charge, I wasted another hour trying to contact Experian Customer Service XXXX XXXX. I was able to log into my membership and discovered they still showed my credit card as active for billing purposes. I cancelled the credit card, so hopefully there will be no additional charges. I content Experian owes me refund for the last XXXX payments in the amount of {$71.00}.
Product: Credit reporting or other personal consumer reports

Dear BRIGIT/XXXX ; I was shocked when I reviewed my credit report and found late payment on XXXX and XX/XX/year>. 

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.
Product: Student loan

I received inaccurate and contradictory information from Mohela XXXX XXXX XXXX. I received a paper letter dated XX/XX/XXXX saying that my loans were at a XXXX interest rate under a XXXX plan. Then when I logged onto the site today, XX/XX/year>, my loan says it's at a 6.0 % interest rate and my loans are under a XXXX plan. 

I also received information that my loans would be in administrative forbearance while they re-assesed loan amounts, but they withdrew my payment anyway on the XXXX. I assumed that meant they completed the evaluation during forbearance, but when I logged into the site, my account status says : Awaiting Documentation Administrative Forbearance.

I have SO LITTLE FAITH in Mohela staff to have ANY IDEA what's really happening or to respect the law that I do not contact them about problems anymore.
Product: Debt collection

XXXX XXXX, a power and gas provider, claims that I have an account ( account number XXXX ) with them and have owed {$2000.00} as of XX/XX/XXXX. They indicate this account number is associated with my name, current mailing address, and even my social security number. However, they do not have my email on file and the phone number they have on file for me is a number that I do not recognize ( which I've been informed that it ends with " XXXX '' ). My phone number has been the same for over 20 years, and my electric and power services have been supplied and delivered by XXXX XXXX since I moved to my current address on XX/XX/XXXX. XXXX XXXX has hired Transworld Systems Inc, a debt collector, to harass and collect this bill from me. I believe my identity has been stollen and someone's previous bill was linked to my identity in a fraudulent manner. 
I have attached the billing information from the collection agency regarding this matter, and have also uploaded a REAL bill from XXXX from XX/XX/XXXX, demonstrating that my gas and electric accounts were with XXXX prior to XX/XX/XXXX and have NEVER been with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, credit cards and files were stolen for identity theft, false pretenses, forgery and fraud by a XXXX XXXX XXXX. The cards were XXXX XXXX and XXXX among others. The forgery was with XXXX XXXX XXXX XXXX. In addition, Experian did not have my permissible permission to give out my credit report to XXXX XXXX XXXX XXXX for the forged loan. I filed the attached sheriffs report in 2017 against XXXX XXXX XXXX and was supplemented as reflected in attached supplement. Also attached is a Judgement of Conviction which the thief and forger, XXXX XXXX XXXX, plead guilty and mentioned my name and card on page 4 of this legal document. The bottom of page 4, also references the fraudulent claim I had filed.
Product: Consumer Loan

SIERRA AUTO FINANCE ... XXXX REPORTING ID FRAUD ACCOUNT, NOT MY ACCOUNT NEVER DONE BUSINESS WITH COMPANY AND NEVER HAD AUTO LOAN
Product: Credit reporting or other personal consumer reports

Bankruptcy XXXX XXXX is inaccurate information in i filed XXXX XXXX  bankruptcy and everything still on my credit that I put on XXXX XXXX