23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by this company who stated that I owed them for a washer and dryer rental/purchase. This account does not belong to me. I did rent a washer and dryer from XXXX over a decade ago. However, that up account was paid off in less than a month. I do not know anything about this current account or who opened it. I spoke to two different people at this company and asked them to provide verification of this debt but they refused and were very rude and threatened to sue me.
Product: Credit reporting

Hard inquiries where removed from my credit report then added back on. When I called the customer service they were absolutely no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXXXXXX Balance Owed : {$9600.00} ; XXXX XXXXXXXX Balance Owed : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote XXXX asking them to delete 2 collections from my report that are reporting inaccuracies, a XXXX account and XXXX XXXX account number XXXX aswell XXXX account number XXXX Ive stated certain laws to them that they are disregarding I even spoke with the manager at experian in the head of the fraud department and she told me she was not aware of law 15 usc maximum possible accuracies, no collection can have a late payment, the collections are still reporting late payments when they was agreed upon and paid off, these are terrible inaccuracies that are hurting me as a consumer and holding me back in life, Experian is bullying me into a corner and they should be punished Im a us veteran who had served for my country I dont deserve this Ive wrote them since XX/XX/2022 its now the end of XX/XX/2022 XXXX
Product: Checking or savings account

I had a checking account in 2012 with Wells Fargo Bank. I am entitled to settlement money from fees accrued from my bank account due to overdrafts. I believe I was taken advantage of at the time and ultimately closed my account. I have not yet been reached out to by Wells Fargo because I currently do not have access to the email that was used at the time of opening a he account and I no longer live at the address that was used as well.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with Fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602a. States that I have the right to privacy.

15 USD 1681 section 604a section 2 States and consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) ( 5 ) 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 antidotes the report by more than seve years.

15 USC 1681 s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Debt collection

My wife and I had a debt from 2011 which we do not dispute. It didn't show up on our credit report when we were paying off all of our debt to improve our credit score. We submitted an offer on a new house and it was accepted. The title company states there is a debt owing to Bank of America, which we need to resolve in the closing of our new house. The title company sent a request for payoff, and was denied. They were instructed to send a fax in order to appeal the decision. So to be clear, we are trying to satisfy the debt and have been denied. We need to appeal their decision in order to move forward on our home loan. I personally called Bank of America in order to resolve the issue and was told it was being reviewed by legal and that " they do not have a phone number for me to contact them and ask why we can't pay the debt ''. This appears to be very dishonest and, quite frankly, shady business practice. If the home loan falls apart due to Bank of America not allowing us to pay our debt, I will be very upset. My opinion is that the debt has been discharged, and Bank of America legal team is trying to find a way to re-instate the loan. If they don't have a phone number for me to reach out to them, how am I supposed to figure out what is going on in the process? They just keep telling everyone, " It is being reviewed by our legal team ''. This is unacceptable behavior!
Product: Checking or savings account

Transaction Date : XXXX Amount : {$300.00} + {$300.00} ( in two transactions back to back ) Company : XXXX XXXX, XXXX, XXXX. XXXX XXXX On the above date, a payment was made using a company debit card from Bank of America , for merchandise that was never delivered, was never intended to be delivered and the evidence sits in the fact that the recipient immediately vanished upon receiving the funds, in total, {$600.00} were paid from business checking, and XXXX XXXX   and Bank of America helped perpetrate the fraud. The merchant is set up as a " cash application '' and makes it practically impossible to trace where the money went after it was taken from the business account and the recipient took the cash and vanished. Upon realizing the fraud, I first contacted XXXX XXXX   customer service via email because they do not offer a telephone number and even getting access to customer service email required over two hours of searching. 

Merchants site provides instructions on what to do in these circumstances. To Notify them and they will immediately freeze the recipients account. However, they were unable to trace the recipient and apologized stating they are working to prevent these types of frauds from occurring in the future. XXXX XXXX XXXX  is basically facilitating fraud by allowing a transaction to occur and then providing total anonymity to the recipient with no regards fort the victim. XXXX XXXX also instructed me to contact my bank and report it as a disputed charge and to deal with it directly through my bank. When I did so, XXXX XXXX XXXX answered the dispute with pure fiction, suggesting they were acting under my instructions, which is absolutely false and fabricated. They addressed the dispute as if it was reported as unauthorized rather than merchandise never received, and Bank of America immediately sided with XXXX XXXX without allowing me even a chance to respond. 

They provided the name and phone number of the recipient who stole the money but the name is made up and the phone number is disconnected. Even with this obvious evidence and indications of fraud, Bank of America, sided with XXXX XXXX, reversed the credit and then re-billed me almost {$200.00} in additional fees. Not only was I victimized by a thief, but Bank of America compounded this by hitting me with fees as if I was dishonest with them. In this instance, both Bank of America and XXXX XXXX are accomplices to identity and financial theft.
Product: Credit card or prepaid card

I am an American Express ( AMEX ) Platinum cardmember. I made a hotel reservation for one night under AMEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) program at XXXX XXXX  a Luxury Collection Hotel in XXXX. Check-in date XX/XX/XXXX. Check out date XXXXtravel confirmation number ( Confirmation number:XXXX, Trip ID : XXXX ). 

Due to some personal emergency, I will not be able to stick to my original schedule. I called AMEX to change my reservation to date of my convenience. However, AMEX refused to reschedule siting policy restriction of the XXXX program. I was given an option to cancel and then rebook. This hotel allows reservation change to be made before XX/XX/XXXX, after which any changes will come with a fee. 

AMEX provides all its platinum cardmember a {$200.00} hotel credit, which gets clawed back when the cardmember cancels the reservation. So canceling the reservation is not advantageous for the cardmember, but it seems like AMEX is forcing consumers to do that. 

I feel this is an unfair business practice from AMEX. Therefore, I want to report it.
Product: Money transfer, virtual currency, or money service

For several months, I have been expecting to get my money back from Cashapp a Squareup company. I have messaged their support team NUMEROUS times for help. They are holding {$310.00} hostage in an account they closed stating we violated terms of service since we filed a chargeback for transactions that cashapp allowed unverified users to scam numerous members for thousands of dollars in order to aquire fees as income. We were punished with the loss of our account even after the charge backs were awarded in their favor due to the terms of service agreement that they DONT verify any member in accordance with the Patriot Act.
Product: Checking or savings account

I requested a transfer of my XXXX from Optum XXXX to XXXX XXXX on XX/XX/2021. As of XX/XX/2021 the account still has not been transferred and when both XXXX XXXX and myself call we are told it is still awaiting approval. 

In the meantime, Optum XXXX has been charging a monthly fee, which I would not pay at the new provider. Thus, there have been two monthly fees attached along with my XXXX not being transferred.
Product: Checking or savings account

On XX/XX/XXXX, I received a text message from Wells Fargo asking me to confirm a transaction made for {$420.00} at a XXXX in CA. I replied XXXX as instructed as it was not me making this transaction. This was followed by another text message saying that a representative would call me shortly. I immediately received a call from XXXX, I XXXX the number immediately and saw it was Wells Fargos number. My XXXX XXXX XXXX had just gotten sick all over and I was in the process of cleaning this up as well as trying to get out the door to pick up my other daughter. The individual on the phone was a young man with an American accent. He already had a lot of my information and asked me a series on questions to confirm, he informed me that someone in California was currently hacking my account. He had me change my password and once I logged in a wire transfer was being processed for all of my money, {$4000.00}. He said he was able to stop it and it would be back in my checking account within XXXX minutes. Immediately following the end of our call ( within XXXX minutes ) I called Wells Fargo and asked to be transferred to their fraud department and realized it was a scam. The wire transaction was still pending when I reported the claim. I hadnt heard anything regarding the status so I called back in on Monday, XX/XX/XXXX, where I was told that my claim was denied as by the time WF reached out to the receiving bank ( XXXX XXXX ) the funds were no longer available. They informed me that WF has a XXXX business day investigation window to attempt to receive the funds. Of course the funds were no longer available toward the end of the XXXX business days as it was a scam and the scammer would have moved the money right away. I asked to speak with a manager and was transferred to the escalation team, I again asked to speak with a manager and was told they put in a request for a callback and I should hear from a manager within XXXX business days. On XX/XX/XXXX I went into the closest Wells Fargo branch and sat down with a representative and explained the situation. They then called the fraud department on my behalf and was transferred to the escalation department and then another request was submitted to speak to a manager. I have yet to receive a call and today is XX/XX/XXXX. Ive been a Wells Fargo customer since XXXX and it is just mind blowing the lack of respect and urgency in such a situation. Im submitting this complaint to highlight their negligence in this instance, hyper focusing on their lack of security, lack of urgency / slow resolution times and lack of support in fraud disputes.
Product: Student loan

XXXX loans I consigned with XXXX XXXX ( nephew ). 
I have set up repayments for XXXX loans Loan NumbersXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. I have the payments at twice the minimum amount due to pay loans off asap. 
Bill pay is set up to be received on due date, on XXXX 2016, I recieved a letter stating loans are past due. I called XXXXNavient to see where the problem occurred I spoke with a disinterested employee who told me my payment was late. I escalated to a supervisor who seemed to be equally disinterested in understanding the issue and simply said he would waive the " late penalty ''. 
I called Navient back with my bank on XXXX XXXX and spoke wXXXX who seemed only interested in telling me that he understood, yet I was still late and my payment of {$100.00} was split between XXXX loans. Did not seem to care or hear, although I repeated myself about 10 times that over the last four months I have sent them a total of {$1200.00}, yet they are only crediting the loans with {$400.00} payments, accuring interest and late fees. My bank has sent NavientXXXX with proof of payment, yet I just got off the phone with " XXXX '' who seems to be a reject from the IRS, who kept repeating his Scriptnot acknowledge anything I had to state ... but was sorry for my frustration and continued to ask me to repeat my self. 

I want, IN WRITING, a letter from NAVIENTXXXX an accounting of payments made on these loans and the interest charge on any " outstanding balance '' and late payments removed from these loans, PLUS I want credit for my time to correct this, I make {$25.00} an hour and have spent 3 hrs spinning my wheels with these less than professional employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Avant Credit Card has reported this account as Charged Off repeatedly since 2020. Per the FCRA, an account can only be charged once and reported once. Also, in XXXX of this year, Avant reported a late payment. A closed and Charged off account can not report a late payment, as the account is " dead ''. I attempted to resolve the issue with XXXX, but received a letter that the account would simply update as closed and the issue was resolved. I then sent an email to Avant, attempting to resolve the issue, but I did not receive a response. I have tried for 3 months to resolve. This has caused my home closing to be delayed twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Company  Inquiries : 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 credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 XX/XX/XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Mortgage

My lender has made it so difficult to access the payment system that this is an active attempt to prevent people from paying their mortgage. They use a CAPTCHA system that frequently cuts off the verification string so it can not be entered correctly. On top of that, they permanently lock your account after XXXX failed attempts, forcing you to call customer service and hold for lengthy amounts of time for a representative to unlock it. They do not allow you to verify before they rush you off the call and, on more than XXXX occasion, they did not actually unlock my account, forcing me to repeat the process. I 've complained to the company and they simply do not care. This is a punitive system to force people into paying late fees or even default.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my report from XXXXXXXX XXXX, 3 inquires from XXXX XXXX XXXX , 3 inquires from XXXX XXXX 19 inquires from XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is that the Experian Credit Reporting Agency has failed to update their records to reflect the fact that as of XX/XX/2022 ( XXXX XXXXXXXX ), XXXX account XXXX # XXXX ) was deleted and no longer being reported on my XXXX credit report. It has been XXXX whole year since its deletion. Experian should already know it was deleted because I subscribed to XXXX XXXX XXXX in XXXXXXXX XXXX XXXX and they gave me information on all XXXX XXXX XXXX ( XX/XX/2022 ). This account had already been deleted from XXXX the previous year.
Product: Student loan

Last year I made a lump sum payment with an XXXX educational award. There was {$75.00} left after all the unpaid interest was paid. I instructed Navient to put the remaining money towards loan # XXXX. Instead they applied it to loan # XXXX. Loan # XXXX is a lower interest rate loan than loan # XXXX. When I called to correct this mistake, I was told that the entire amount would be " taken back off '' and that interest would continue to accrue while their mistake was being corrected. I declined, and left it as it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX  XXXX Account No. XXXX Balance : {$0.00} This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I have disputed this account for the fifth time and I still don't see this account being corrected or straightened out after my attempts to fix this inaccurate reporting. I have already paid for this account for the amount settled with the creditor yet, I still see the comments being inaccurate. One bureau is saying one thing and the other bureaus are saying different than the other. The account rating in XXXX  is still saying " Derogatory ''. I just want this to be corrected and resolved and if they can't do that, they might as well remove this account from my report.
Product: Mortgage

I requested an accounting of the alleged debt multiple times under RESPA, UCC 9-210, its state law equivalent, TILA ( 15 U.S.C. 1639 ), and FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ), but the lender refused to provide it, violating federal and state law, GAAP, and their duty of good faith, while failing to prove consideration which is mandatory in contract law meaning they can not legally collect, report the account, or enforce a security interest while the account remains in dispute and unverified and i have explained that to them and they are refusing to comply.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I filed a complaint against Transunion disputing there practices with my credit report. Complaint number XXXX. It was in regards to a public record that was unlawfully showing up onmy crfedit report. Transunions response was that the information is not on my credit file. But i recieved a email that the information was verified. Then transunion is stopping me from viewing my credit report to see if the information appears or not. I have provided the screenshot of them saying thge information is not on there then saying the information was verified. The information should have been removed. I can not tell if it has or not. If it has not been removed we will move forward with litigation.