23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I helped my son, XXXX XXXX open a checking account on XX/XX/XXXX, and I funded his account with direct deposit coming out directly from my company, XXXX. Everything was working fine until on XX/XX/XXXX when their fraud department called him and tried to verify his account. They tried to get him to confirm his ssn, and since it was an incoming call, of course he wouldn't provide any personal information. The person on the phone threatened to freeze his account if he won't answer those personal questions but he had no choice. He insisted that he would call back which he did. The account at that time was blocked. He was informed to go inside the bank to confirm his identity. Both he and I went into the branch and provided all the requested info the following day. At the time, the banker, XXXX XXXX said that my son still had to call on Monday to unblock the internet access since that area are only opened weekdays. My son tried to call on Monday, XX/XX/XXXX but was again given the run around that he has to go back into the bank to add my name. He was told that in order to access his funds, he needs my name added to the account which makes no sense. I am in XXXX, and my son is in XXXX. I helped him open the account so he can manage his own money since he just got a new job His job requires him to work M-F from XXXX so he wouldn't be able to go into the branch again ( why does he need to anyway, he already went and the banker confirmed who he is and who I am??? ). I don't understand why my name has to be added to his account which wouldn't be a problem if 1 ) my son didn't just start his new job, and he can't just leave to go into the branch a second time and 2 ) they are now asking that both he and I go into the branch but I'm don't live in the same city anymore. I think this bank knows our difficulty and wants to hold on to our funds while putting obstacles for us. Others should be aware of their unscrupulous practice.
Product: Money transfer, virtual currency, or money service

Y boyfriend had a XXXX  account over 10 years ago when he paid the bills. Over 6 years ago I changed it to my name and email. I went into xoom to send money. They are attached and noticed it said it was paid by him. I contacted xoom to update my info and they instructed I needed to contact XXXX So I did. The next day I went to log in and it says due to their user agreement they have restricted me from using the account. I called and they would not give me a reason why even with my boyfriend on the phone. However they think it's perfectly okay to keep my banking and debit card info. I have a lot of money in my account and there is no way they should be able to tell me zi can't use their service yet they have the availability to have my banking info. That's garbage and I want it immediately removed with all the identity theft how dare they.
Product: Debt collection

I accrued late payments on my credit report due to the Covid-19 pandemic, after returning to work, all monies due were caught up. I have continued to make payments timely. I am looking to remove late payments remarks as it was a result of job/hours decreased due to pandemic. 

The company is Vystar Credit Union for XXXX XXXX XXXX. XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Auto Loan Late payments were 30 days late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Acct ending in XXXX. 

XXXX sent an invoice to me which was {$12.00} less than the invoice they sent to their collection agency, XXXX XXXX XXXX. I paid the lower invoice on time. XXXX XXXX, however, charged me an additional {$580.00} over the next 6 months for interest and late payments. I had not included the XXXX in my payments. I did not see the second invoice. When I started to receive late payment notices, I did not know who XXXX XXXX  was. I discovered they were the collection agency for XXXX. I tried contacting them and XXXX using dispute claims, phones calls and emails. I could not contact a live person at XXXX XXXXXXXX, so I paid {$580.00} in XXXX of this year. 
In XXXX of XXXX, I ordered a XXXX XXXX on-line. On XX/XX/XXXX, XXXX issued an invoice for {$1700.00} ( Exhibit XXXX ). They sent the billing & invoice to me for this amount along with the refrigerator ( Exhibit XXXX ). I paid this invoice using on-line banking, setting automatic payments of $ XXXX, starting in XX/XX/XXXX, for 11 payments and the remaining {$110.00} payable on XX/XX/XXXX ( total {$1700.00} ). All payments were made on time ( Exhibit XXXX ). 
Following the first invoice on XX/XX/XXXX, XXXX cancelled it and issued a second invoice for {$12.00} more ( Exhibit XXXX ). They sent this invoice to XXXX XXXX XXXX for collection. 
Not receiving the {$12.00}, XXXX  XXXX charged my account from XX/XX/XXXX through XX/XX/XXXX a total of {$580.00} for deferred interest, interest charges, and late fees. XXXX XXXX XXXX needs to return the {$580.00} and contact the 3 major credit agencies stating that no late payments occurred because of an invoicing billing problem by XXXX.
Product: Checking or savings account

Dear Consumer Finance Leadership, Since XX/XX/XXXX I have been requesting SCRA ( Servicemembers Civil Relief Act ) benefits from WELLS FARGO Bank only to be continuously denied eligibility to such request based on their current policy. As an XXXX XXXX XXXX XXXX since XXXX I believe I am indeed eligible to receive such benefits ( 0 % to 4 % apr, overdraft fees waived, etc ) and other financial institutions have indeed granted me such benefits disregarding the timeline of when these accounts were opened ( before or after military enlistment ). Such institutions include XXXX Bank, XXXX and XXXX XXXX. My accounts with WELLS FARGO pre-date my enlistment into the XXXX XXXX. WELLS FARGO acquired XXXX from XXXX XXXX XXXX  which bought XXXX XXXX XXXX. I have written several letters and sent all documentation required and can not understand why WELLS FARGO insists that I am not eligible to a lower APR. Even under the current MLA ( Military Lending Act ) I should be eligible to obtain a lower percentage rate. Anything you could do to help would be a tremedous benefit to my current financial situation. Thank you.
Product: Prepaid card

Around middle of XXXX of XXXX, my son bought a Vanilla Gift Card as a birthday present for me, when I tried to buy an item using the card, for some reason got blocked and couldn't use it any longer so, I contacted XXXX XXXX XXXX or Incomm at vanilla.com to resolve this issue. 

They sent me a package which requires for me to send all the documents to support the complaint including proof of address, receipt from the place where I bought the card ( XXXX ), copy of my Drivers License, etc, etc. 

I sent all of the paperwork they ask me for 3 times and got the email confirmation and still NO solution, it has been 4 months with this nightmare already. 
Everytime I call them, they ask me to send the paperwork again and again and that I need to wait 3 to 4 months and when I ask for a supervisor they put a person on the phone with really strong accent like XXXX kind and is hard to understand what they say so I tried in spanish as well and no solution neither. 

I filed complaint with FTC or Federal Trade Commission and with the XXXX  Attorney General but nothing happens. 

The CASE # is : XXXX XXXX
Product: Debt collection

My name is XXXX XXXX XXXX, I recently moved back to XXXX XXXX but I use to live at XXXX XXXX XXXX, XXXX, XXXX XXXX. Just now I received a phone call from a gentleman who currently owns this address, where he observed via a remote video camera a person in the employment of Portfolio Recovery Associates ( a debt process server, confirmed by another neighbor who lived nearby ) trespassing on private land and attempting to break into his cabin. The man was watching him from his XXXX home at the time but the intruder was caught on tape. That tape as well as a report has been forwarded to the local XXXX police for trespassing on private property and for an attempted break in. He has told me that if this occurs again the intruder will be arrested and held for the local police. 
.
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 Account Number : 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: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is still showing a balance of {$140.00}. I have no balance with XXXX XXXX. I owe a XXXX balance with this creditor I have a receipt to prove I own no balance.
Product: Credit reporting or other personal consumer reports

Despite several attempts to resolve this issue, the inaccuracies persist, and I am seeking further assistance to address this matter. This was my third time to reach out for help in rectifying these issues. I have diligently pursued the correction of the late open accounts on my credit report. I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address these inaccuracies. However, despite my efforts, the late open accounts remain on my credit report, negatively impacting my creditworthiness and financial standing. This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. 

Enclosed with this letter, you will find copies of all relevant documentation submitted during the previous attempts to correct the late open accounts. I respectfully request that you will help me conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies. Kindly help me correct these accounts immediately : 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 purchased a new home at on XX/XX/2019 and originated a new mortgage in the amount of {$450000.00} at that time with XXXX XXXX XXXX As is required, I paid a mortgage recording fee at the time of origination of my loan to the city. About a month later, the mortgage servicing rights for that loan was sold to XXXX and subsequently, effective XX/XX/2019, to Carrington Mortgage Services , LLC . The first piece of paper I received from Carrington Mortgage Services , LLC, arrived on XX/XX/2019, and with it a recording fine of {$40.00} listed under " XXXX recording fee. '' I subsequently contacted the company on XX/XX/XXXX and XXXX to understand what the fee was for and at first was told that it was a fee charged to homes in foreclosure ( which mine is not ) and then told that the " best guess '' is that it is the mortgage recording fee paid to the local authorities at the time of origination of a new mortgage ( which mine is not ). I have received absolutely no remedy from the company, except requests to make my request in writing, which I have.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion and blocking of specific accounts from my credit report. I have recently discovered that I am a victim of a data breach, and I am requesting that the following accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The affected accounts are : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$120.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$160.00} XXXX. UNAUTHORIZED COLLECTION XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  {$1800.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}
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 Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION CREDIT REPORT : Report is showing the account XXXX XXXX XXXX with a Balance of {$100.00}. This account has had s XXXX  balance since the beginning of XX/XX/2018. It is showing correctly in the XXXX file. 
I have attempted to contact them and yo fill out their online dispute form but no success. I even emailed XXXX XXXX who instructiontef me to contact TRANSUNION directly and if no success file a complaint with you. I was unable to get in touch with TRANSUNION. I will attach a copy of the Statement for proof. Thank you
Product: Mortgage

I am victim of Mortgage Fraud perpetrated in XX/XX/XXXX. 
I was approached in XX/XX/XXXX to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the Asst. US Attorney in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties. 
I sent the US Attorney 's documentation to Chase on XX/XX/XXXX and my loan was transferred to XXXX XX/XX/XXXX as stated in a letter dated XX/XX/XXXX. I was still in contact with Chase as of XX/XX/2016.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am writing to dispute certain inaccurate and/or incomplete information contained in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit file, I have identified the following information that is either incorrect or incomplete and should be deleted immediately to ensure the accuracy of my credit report. TransUnion is violating [ 15 U.S.C. 1681 ] of the Fair Credit Reporting Act. 

Information to Be Disputed : XXXX XXXX XXXX XXXX XXXX XXXX There are several addresses that are not mine. None of the addresses Transunion are reporting is accurate. Remove all the phone numbers on my credit report they are not mine. 

My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the FCRA, you are required to ensure that the information reported on consumers is accurate and complete. If you are unable to verify the accuracy of the information in question, it must be deleted from my credit file. I request that you investigate this matter promptly and correct or remove the inaccurate information. Please provide me with written confirmation that the investigation has been completed and the necessary corrections have been made. 

Enclosed are copies of my credit report. 

I expect to receive a response within the 30-day timeframe, as required by the FCRA, confirming the removal or correction of the disputed information. 
Thank you for your prompt attention to this matter. I look forward to your response and to a swift resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

After reviewing my credit reports, I noticed a collection account from PYOD aka Resurgent Capital Services. On XXXX/XXXX/XXXX, I sent a letter to PYOD asking them to validate this debt with my signature and to prove that I was obligated to pay them. They responded back with a letter saying the debt was mine and needed to be paid. I wrote a letter again on XXXX/XXXX/XXXX again asking them to validate this debt. Again, they failed to provide a proof of signature, but continue to claim that I had an obligation to pay them, which I do not. This collection account is still reporting negatively on my credit report as of today, XXXX XXXX, XXXX, and is affecting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I have filed a dispute with all 3 credit bureaus about information being incorrect on my credit report which includes name address collection companies. I also informed them that I received a data breach letter from the HCA informing me that my information such as my name address and social had been used by an unauthorized party. I have tried for years to dispute incorrect information reporting on my credit report. I was effected by XXXX  and was sick never hospitalized. And was burnt out from so many attempts and at no point up to recently someone finally said file a dispute at the XXXX, I am a XXXX  not sure of alot of things. I dint know what to do until now can you please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

During Hurricane Harvey, XX/XX/XXXX, my XXXX XXXX XXXX was caught in fast rising water and later declared a total loss. I had full casualty auto insurance as well as GAP insurance. I made the auto loan holder, XXXX XXXX XXXX, aware of the loss. My auto insurance paid XXXX the fair market value, leaving a balance for GAP to cover. I was repeatedly harassed by XXXX  because the GAP insurance payment was delayed. Eventually, the GAP insurance paid XXXX. Now I discovered XXXX filed a negative payment history on my credit report. I owe the nothing and do not believe they should be placing a negative activity repost against me.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$4500.00}
Product: Debt collection

[ Your company is a debt collector you are violating the FDCPA law in Florida. Debt collectors are not allowed to use unfair practices to collect a debt. Your debt collection agency has Misrepresentations about the debt, including the amount owed and the dates. You are not the original creditor and I have requested verification of your debt from companies or law firms collecting debts on behalf of creditors or for debts that have been purchased from original creditors. i AM UNSURE ON HOW YOU HAVE MY SOCIAL SECURITY NUMBER and the fact that you have been reporting negatively on my credit report is illegal. Do I need to file a Consumer Financial Protection Bureau and file suit against your debt collecting agency if so i will have attorney do so if you refuse to remove yourselves from my credit reports. The proof that payment was made was already submitted I HAVE PROOF YOU ALREADY REMOVED YOURSELVED FROM MY EXPERIOAN CREDIT REPORT NOW REMOVE yourself from my other credit reports or I will have my attorney file a lawsuit and set a hearing date.
Product: Bank account or service

I opened a CitiGold account on XXXX/XXXX/XXXX under promotion XXXX, which offered XXXX AAdvantage miles after completing {$1000.00} in debit card purchases and 2 bill pays in consecutive months. I completed the terms of this promotional offer on XXXX/XXXX/XXXX. I secure messaged Citi to confirm I had met the terms of this offer, and received a response on XXXX/XXXX/XXXX from XXXX XXXX XXXX stating that I did indeed complete the requirements for the offer, and that I will receive my AAdvantage miles no later than XXXX/XXXX/XXXX. I did not receive my miles by XXXX/XXXX/XXXX, so I contacted Citi again via secure message. XXXX XXXX responded and apologized that the miles did not post yet, and offered to open an inquiry. Every month I have waited for the miles to post, messaged citi, and received another response stating that they will open yet another inquiry. The results of these inquiries were supposed to be emailed to me, but that has not been done. And frankly I do not care what the results are for the delay. I want the miles that I have been promised. I have been paying a $ XXXX monthly fee for this account, which is completely unfair as they have not fulfilled their end of the agreement. The marketing materials related to the promotion were entirely false and misleading, and it is absolutely unacceptable that I should have to wait 6 months from the date that I fulfilled the terms of the promotion to receive the miles that I am entitled to.