23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

A fraudulent pending charge of {$440.00} to XXXX XXXX was noticed on XX/XX/2022. This is the second time this happened in 2 months. I called Bank of America to report the fraud and was told that when the charge moved from pending to posted, I would be issued a temporary credit of {$440.00} while it was being investigated. On XX/XX/2022, the charge posted to my account but no credit was given for the {$440.00}. I have called every day since XX/XX/XXXX to inquire as to why the fraudulent charge remains, but, after being on hold waiting for a representative, for minimally 35-45 minutes, I get transferred from one department to another, placed on another 45 minute hold, only to be disconnected. This has happened repeatedly. The computer that answers the phone does not give me an option for existing claim, only to report fraud. When someone finally does answer, Im told I need to speak to someone in existing claims. Im transferred again and am disconnected. I received a letter from Bank Of America XXXX XX/XX/XXXX, stating that the charge didnt go through after pending, but my credit card statement shows that it posted and has not been reversed. I dont have the time to sit on hold, waiting to see if a person will pick up and then be disconnected. In the meantime, they sent me a new card but I have not activated it. I need to have someone intervene on my behalf- please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my reportXXXX 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  , U S DEPT OF ED/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Company Inquiries : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

When a payment is made to my credit card, whether it 's done via an electronic transfer or from a check, the creditor holds my payment from my available balance for 5-10 days. In other words, if I make a payment to my credit card my money is deducted from my checking account almost immediately but it 's not credited to the card 's " available credit '' amount for a week. My creditor floats my payment and earns interest off my balance instead of applying my payment timely.
Product: Debt collection

I am appalled after checking my credit report and seeing this account in collections. I have been fighting this debt for over a year. After receiving notification from a previous debt collector of this pursuit being closed, I can not believe that yet again another collection agency is attepting to this collect that is not owed. If this debt can not be validated and a signed agreement sent then this collection needs to be removed from all credit reports. It is negatively effecting my borrowing potential and it is an unlawful practice.
Product: Vehicle loan or lease

I got a car loan in 2014 I am about to pay of loan off 5 months early. I called Santanders USA to see how much I had left to pay and to find out if this loan would go on my credit report. I went to look a cars a few months earlier and was told that it was not on my report. I was told by Santanders that my co buyer went bankrupted and because of that it would not be reported to the credit bureau on my behalf but that they could send me a receipt for the {$22000.00} I pay for the car. I myself have made all payments for this vehicle each month as the buyer never has the co buyer even been contacted in anyway or made any payments.
Product: Credit reporting or other personal consumer reports

Trans union received an in the mail dispute for the following accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX and XXXXXXXX XXXX. These account had already been removed from other reporting agencies and Im still waiting for Transunion to update the file to reflect accurate information. Dispute was sent certified main and signed XX/XX/year>. Attached is the certificate verification for the mail they received. Trans union failed to run investigation in the correct time frame, failed to dispute accounts as mail had stated needed to happen, failed to run any investigation on file and failed to tell me the status of investigations. I received no return mail form trans union and they have not updated my file with these field removed. All of the following are FCRA regulations broken and even while the company continues to say they are meeting FCRA standards then continue to violate my personal FCRA STANDARDS over and over and over again. Due to extreme negligence THESE FILES SHOULD BE REMOVED IMMEDIATELY. Both due to the multiple failures for the past 13 months and the fact that they never ran disputes after receiving information
Product: Credit card or prepaid card

I was never 30 days late XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. I also noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. Also, the student loans are in mandatory deferment so no way to incur a late. As well as how can I get a 90 day late when you never been 30 or 60 days late You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
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 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 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 ( EXPERIAN ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

An ACH debit was made from my account in the amount of {$330.00}. I was charged an overdraft fee of {$36.00} and then another {$36.00} one the item was reversed. I visited the bank and was told the overdraft fee could be charged while the item was pending and the reversal fee could be charged when the transaction is denied. This is a total of {$72.00} for one transaction. It seems like double dipping.
Product: Debt collection

Letter was sent advising company that this is NOT my debt and requesting VALIDATION before any further attempts to collect. I owe NO amount to sunrise credit
Product: Mortgage

wells fargo sent me a package for a loan modification after the covid relief. the paperwork said if it was not returned and payments not resumed that foreclosure process would start after the XXXX of XXXX. the paperwork had my ex-wife 's name on the account. i sent my divorce decree, something wells fargo knew when they processed the hamp mortgage in 2014. 

XXXX XXXX from wells fargo calls me today, tells me she has no answer. she does not know when my paperwork will be corrected. she does not know if wells fargo will put me in foreclosure. she does not know if wells fargo profited off of the covid relief that i participated in. she does not know how to fix the problem. 

i sit here not knowing if wells fargo will try and collect XXXX for all my past payments, or put me into foreclosure, after wells fargo changed the verbal agreement with me regarding the covid relief. 

i have XXXX from being XXXX  XXXX XXXX in a XXXX. i used the hamp program to save my house previously, now, i have struggled for weeks with my mental health due to wells fargo changing the covid relief program and providing me with no answers, after sending a letter that stated a foreclosure may occur if my paperwork is not completed and returned by XX/XX/XXXX. which, of course, can not hapen due to wells fargo incompetence. now, my paperwork has no time frame to be returned. my payment is supposed to resume, but i am left with the feeling i will lose my house, even if i resume paying. 

i have no control over my XXXX and the thoughts of losing my house. wells fargo entered into a verbal agreement with the covid relief. wells fargo refuses to work faster due to my XXXX, after i made a reasonable request under American with Disabilities Act, that I would like to know facts of whether I can start my payments, or whether my house will go into foreclosure and whether the covid relief we verbally agreed to was a lie. the mental distress is unbelievable, and wells fargo is to blame. 

i have been mistreated by this process, and wells fargo refuses to follow a reasonable request under the ADA
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I requested a free credit report using XXXX from all three nationwide credit reporting companies. I was unable to obtain a credit report from Equifax, but I was able to obtain a credit report from XXXX and XXXX. When the site attempted to retrieve the report electronically from Equifax, I received the following error message : " This site can't be reached. '' When I tried a second time, the site told me I had already obtained my free credit report - when I had only received an error message - and was therefore not eligible to receive it. I then submitted a complaint through the " contact us '' feature of this website, which is the only way I can see to communicate with the managers of this website. I have not received a response. According to internet sources, this website is managed by XXXX XXXX XXXX, a joint venture of three credit reporting companies. These companies are violating their obligations under the Fair and Accurate Credit Transactions Act, because the site is unresponsive to complaints when consumers encounter errors using the website.
Product: Checking or savings account

Opened an account with XXXX XXXX XXXX, a division of Pacific Premier Bank to hold a security that has no market value and is not traceable, strictly as a trustee to hold. They do not provide advice, there is no trading, nothing! 
They charged excessive fees, {$400.00} per quarter, after XXXX quarter I closed the account. They charged me {$230.00} to close the account! XXXX XXXX XXXX, did not respond to emails or phone messages, I called spoke to XXXX, she said there is nothing she could do, and said she couldn't even take the payment. 
They provided no customer service, but took fees!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, and XXXX are committing fraud by keeping these accounts XXXX XXXX XXXX XXXX, and XXXX XXXX on my credit report even though these companies have sold the debt and no longer own them they need to be deleted immediately
Product: Debt collection

XXXX - called letting them know I have no knowledge of these accounts and they didnt do anything. {$600.00} & {$420.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning incorrect personal information and unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX XXXX and XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX 

I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency.
Product: Checking or savings account

I know XX/XX/XXXX my debit card for my Chase account was going out my wallet, including my Social Security card in a couple of other items I know who did this and I have made a police report. I called Chase bank to let them know that I did not notice that it was a bunch of charges on my account From a firm overdraft in other things because this person has opened up a XXXX XXXX and was XXXX XXXX and they sell money and I was wondering when my money was going out of my Chase account instead of them closing the account helping me they did nothing I did in the police report And proved that my card was stolen use for win I food twice and warehouse market now Im in overdraft from XXXX XXXX in my name I did open chase bank but never ever have I overdraft nor notice all these fraudulent charges until my money Kept getting lower and lower also XXXX XXXX  and XXXX XXXX  and XXXX XXXX XXXX  was open in my name im not sure how she pulled that off but I never open account with them I wont this remove off my credit and also fix the correct info
Product: Credit reporting

The collection accounts were placed on my credit report by the collection agency after I filed chapter XXXX bankruptcy which was in XX/XX/XXXX. XXXX has removed all collection accounts from my record which include the XXXX listed below. Equifax refuses to remove them. 

The Results Of Our ReinvestigationCollection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) XXXX We have researched the collection account. Account # XXXX The results are : This creditor hasverified to OUR company that the balance is being reported correctly. If you have additional questions about this itemplease contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class Medical/Health Care ; XXXX ; Amount {$170.00} ; Status as XXXX In Bankruptcy ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$0.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Bankruptcy Chapter XXXX ; Address : XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXXCollection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) XXXX We have researched the collection account. Account # XXXX The results are : This creditor has verified to OUR company that the balance is beingreported correctly. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class Medical/Health Care ; XXXX XXXX XXXX XXXX ; Amount {$93.00} ; Status as XXXX In Bankruptcy ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$0.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Bankruptcy Chapter XXXX ; Address : XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX
Product: Debt collection

Pinnacle Credit Collection LLC for   XXXX   XXXX   very old collection I have asked many of times to verify the debt from   XXXX    and I get OK we will send you a bill of what you owe or what the charges are from and Never have I ever received a letter or bill. The amount is false in the first place I do not owe any bill from   XXXX   that is why I have asked for a break down for this debt. This company also are rude and told me so you are not going to pay your bills are you a broke junky. Also was told threatening if I did not pay I will be sued. That is when I wanted the debt to be verified.
This collection was on my credit report about a year ago or so I noticed that it had disappeared and then I noticed  XX/XX/XXXX  that it appeared back on my credit reports and made my score go down a lot. The amount that is showing up on my credit is for {$750.00} this account on my credit said it was opened  XX/XX/XXXX  and reported XX/XX/XXXX . Both dates are false. Because about a year ago when it was on my credit the Date Open and Reported were XX/XX/XXXX    XXXX   of  XXXX .
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit.Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liabilityIn multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 

14. This account payment history is and error and in violation under 15 U.S. Code 1666 ( b ) billing error XXXX XXXX  Account Number : XXXX Update to Paid on time on payment history and never been late Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
Product: Credit reporting or other personal consumer reports

Alright, lets get straight to the point. Im reaching out because theres this debt on my credit report from XXXX XXXX XXXX, and let me be clear I have no contract or agreement with them that has my signature. None. XXXX. So, I need this whole thing DELETED ASAP. 

Validation of Debt under the Fair Debt Collection Practices Act ( FDCPA ) : Under 15 U.S. Code 1692g ( b ), I have the right to get proof of this debt. That means XXXX XXXX XXXX needs to show me some real evidence that I owe them anything. They sent some papers, but guess what? No signature from me. So heres what I need : A copy of any contract or agreement with my signature that shows I have a CONTRACT with XXXX XXXX XXXX. 
Permissible Purpose under the Fair Credit Reporting Act ( FCRA ) : Lets talk about 15 U.S. Code 1681b ( a ) ( 3 ). This says a credit reporting agency can only use my report for specific reasons. If XXXX XXXX XXXX cant show I owe them, theyve got no business putting this on my credit report. Its got to be DELETED