23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize these accounts 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
Product: Debt collection

Someone claiming to be calling from Americollect keeps calling my job asking to speak with me, and leaving me voicemail messages regarding a medical debt. They have been calling several times a week for at least the past year ( XXXX - XXXX ). I have contacted them in the past and asked for an itemized bill regarding the debt they claim I owe. They told me how much it is verbally but I have not received the bill to review and possibly dispute. I have asked them not to call my job and to remove any work numbers they have for me including XXXX, XXXX, XXXX and to only contact me via my cell phone number I provided them XXXX. I really don't want to talk to them at this point what I would like is an itemized bill to review to determine if I truly owe the debt they are calling me about, until then I would appreciate if they stop calling me because at this point it is stressing me out. I am a supervisor and my staff are receiving these calls.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported. 
Account Name : XXXX XXXX  Account number : XXXX you have this account as closed with a balance of {$8900.00} but this account is fully paid-off and balance on it should be {$00.00} I have attached sceenshot of account full payment information below
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 report : US DEPT OF EDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX 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 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
Product: Debt collection

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Social Security # XXXX DOB : XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : XXXXdebt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : USAA SAVINGS BANK XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX
Product: Mortgage

We were renting a home from my friend 's husband. He decided he wanted to sell it and asked if we would like to buy it. We decided to do the VA assumption. We purchased the home in 2022. When completed what was required of UWM for the assumption. Initially, we were approved and then denied. They took forever to respond to us with lost of follow up from us. I am now speaking to people and realtors that said we should NOT have been denied. It was a VA to VA assumption and these happen all the time. I did not know we could appeal this decision and contact the VA directly. We lost out on a lower interest rate and taking over the terms of the mortgage. We also paid for fees that we would have not had to pay for had we done the assumption. If nothing else, we want to make sure this does not happen to another XXXX XXXX
Product: Checking or savings account

I started an account online with US bAnk and transferred {$3000.00} from my XXXX account. I have denied access to the account because they didnt provide an account number until a week later. Once I received the number, I created a login. I attempted to transfer more money into the US Bank account from XXXX  after i verified that account online with US Bank and was then locked out. I called and was told I'd regain access in 24 hours. that didn't happen. I called back and was told that the account was being closed but he fraud dept. for possible identity theft. I called the fraud dept and XXXX claimed that the fraud dept. had nothing to do with it but could not provide any other info. I have since disputed the transfer of {$3000.00} with XXXX as I have now taken back the authorization and east my money back- WITH INTEREST.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX   XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that do not belong to me on my TransUnion credit report ; XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I filed a dispute with TransUnion and received a response on XX/XX/2017 that the accounts were " verified and updated ''. I filed a second dispute with TransUnion as well as contacted XXXX XXXX multiple times by phone and mail requesting validation and physical proof that the debt is mine. XXXX  sent me a letter on XX/XX/2017 stating " we have completed our investigation and reported our findings to the credit agency ''. They did not give me the results or proof. TransUnion responded with the account has been " verified and updated '' and stated they would not investigate these matters anymore unless I provided documentation. How am I supposed to provide documentation that an account doesnt belong to me? So, I am stuck with damaging inaccurate information on my credit report and no recourse except litigation. Now XXXX XXXX has listed ANOTHER fake account on my credit report ( not TransUnion ). I am hoping to resolve the matter through the CFPB rather than a FCRA attorney. Any help you can provide would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting with this complaint to the Credit Bureaus to update and correct the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish their investigation within 30 days, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. This account needs to investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX  XXXX Balance {$560.00}.
Product: Money transfer, virtual currency, or money service

Paypal has been refusing to return my money since XX/XX/2020. I XXXX the company and the judge ordered them to pay me the money but PayPal has refused to do so. I am owed {$5700.00}.
Product: Checking or savings account

On XX/XX/XXXX, I made a mistake and deposited a check for {$1700.00} into my Huntington account that was on an account with NSF funds. 

This triggered an alert within Huntington bank, and on XX/XX/XXXX Huntington Bank decided to end the business relationship and force closed my accounts. 

I have 4 different accounts/relationships with Huntington Bank XXXX 

Account XXXX - Balance Approx {$12000.00} Account XXXX - Balance Approx $ XXXX Account XXXX - Balance Approx $ XXXX Huntington XXXX XXXX XXXX $ Balance - {$500.00} I have XXXX access to my funds and Huntington Bank is holding them hostage. All the transactions have posted and settled, and nothing is happening.

I am due approx {$9500.00} of my funds... .and the source of these funds can from my employer XXXX XXXX XXXX XXXX XXXX XXXX a direct deposit on XX/XX/year> of approx {$12000.00}. 

No one is talking to me... no one will give me information... ..and no consumer should be treated this way with this type of communication. I can not pay my mortgage, or regular bills because my money is being held XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed a copy of my credit report. I am concerned because there was an inquirys by companys that I do NOT recall authorizing. 
It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. I have told transunion in they did not help me at all CC : Federal Trade Commission, Office of the Attorney General, Consumer Alliance for Fair Credit Reporting, Department of Banking and Finance, Office of Thrift Supervision, Better Business
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding the unexpected and unjustified suspension of my Wise business account which has caused significant disruption to my business operations. 

On XXXX Wise suspended my business account without prior notice or a clear explanation. I have been using Wise for 6 months, conducting all transactions in compliance with their terms and conditions. However, despite adhering to their policies, my account was closed without any warning or detailed reasoning provided by the company. 

The sudden suspension of my account has severely impacted my ability to manage financial transactions essential for my business. I have attempted to contact Wises customer support multiple times to seek clarification and request the reinstatement of my account, but the responses have been vague, and my issue remains unresolved. 

I am requesting the CFPBs assistance in resolving this matter and ensuring Wise provides a clear justification for the suspension or, ideally, reinstates my account to prevent further disruption to my business.
Product: Credit reporting or other personal consumer reports

RE : 15 U.S. Code 1666b - Timing of payments To Whom it may concern..

It is of utmost importance for the creditor to comply with each parameter established by the Fair Credit Act ( FCRA ) as mandated by law. As a consumer, I am exercising my rights to have truly accurate and verified credit.

In according to law 15 U.S. Code 1666 ( a ) ( b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

That said, I hold these creditors accountable under the Fair Credit Act. 15 U.S. Code 1666 ( b ) ( a ) XXXX XXXX XXXX Account Number : XXXX Payment late : XX/XX/year> XX/XX/year> Please provide me with written proofs of the letters they sent me 21 days before the date on which the late payments were reported on each of the accounts mentioned above. It is your obligation to send me these copies because this is what the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1666 ( b ) ( a ) stipulates.

It is the obligation of creditors to provide me with written evidence.If the creditors can not provide me with proof of the written letters sent 21 days prior to the date on which the late payments were reported within a 30-day period, Include also, all the information required by Section 1637 ( 6 ) of Title 15. it is evident that they have violated the parameters established by the Fair Credit Reporting Act 15 U.S. Code 1666 ( b ) and I demand that the late payments be updated to positive or ND ( No data for this period ), otherwise I demand the immediate deletion of said accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inaccurate 30 day late on my credit report which is up to date and payments on time
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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
Product: Debt collection

I received a copy of a writ of garnishment from XXXX XXXX XXXX XXXX that was issued from CSO Financial. I had no idea that CSO financial had a judgment against me. A few days after receiving the copy from XXXX XXXX, I got a Validation Notice from CSO Financial, stating that I should dispute within 30 days and they would obtain copy of the judgment and if there was no dispute they would assume the debt was vaild. A few days after that, within the 30 days, I received a Writ of Garnishment from CSO Financial, which states I can not dispute the validty of the debt but can only challenge the Garnishment. 
I tried calling and so did my sister, who is an authorized user on my account and neither XXXX of us was ever actually able to speak to a person. It is my understanding that sending those XXXX different notices within the 30 days of each other is in violation of the FDCPA because it sends confusion to the least sophisticated consumer.
Product: Checking or savings account

I contacted Navy Federal on numerous occasions advising them of my situation where due to Covid what has occurred. I also advised them that they charged me excessive service fees, and international fees that I was not aware of as well and requested a waiver I noticed that small amounts would be charged a {$29.00} fee over the past few years I have paid Navy Federal over {$10000.00} in excessive banking fees and request for a waiver to get at least half of these excessive fees back. I have called numerous times to get a waiver for the excessive fees only to be told I am not eligible I would have to argue with the attendant to get a supervisor just to get a partial reimbursement and advised them that my father had a XXXX XXXX and I was unaware of the fees that would be charged the rep was very rude and refused to assist me in getting a waiver. During the entire COVID I was not given any assistance to get any help even after numerous attempts to resolve my checking account and credit card and Line of Credit so that it would not be in default. I am still waiting to hear back from the credit card department to get a suitable payment plan on my credit card and line of credit. I am trying to resolve this but unfortunately the people they have answering their phones do not want to help nor assist their is a very long waiting period to get to anyone on the phone and when you do get them you are disconnected and have to start all over again and this time with a rep who could careless and want to get to the next call.
Product: Credit card or prepaid card

In XX/XX/2018, I contacted Citi to request a " product change '' from their Citi Thank You Preferred card to their Citi Double Cash card. After the call center representative completed the product change request, she notified me that I had 60 days in which to redeem XXXX Citi Thank You points, otherwise they would expire. I then proceeded to the website for the Citi Thank You points program : www.thankyou.com in order to redeem said points. Immediately upon login, I noticed a bright, attention-grabbing banner across the page that communicated a message to the effect of, " Notice : You have XXXX Thank You points expiring in 60 days. '' This written message gave me the confidence that the call center representative correctly stated that the amount of points expiring in 60 days was XXXX. Because Citi requires points to be transferred in 1,000 point increments, I then proceeded to transfer XXXX points out of the program in order to prevent their expiration. However, 60 days later, I noticed that my total Thank You points balanced had dropped by more than 120,000 ( beyond the XXXX I transferred out ) without any notification whatsoever. The only reason I immediately discovered it is because I was alerted to it by a third party point monitoring service I use ( XXXX ). I have since opened three separate and distinct research cases with Citi to restore the points they have removed due to Bank Error, however, each and every time they close the case stating that expired points can not be restored.
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 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  and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that Equifax had a breach of personal information and my personal information my be one of many that was distributed out and overseas. I will like to know, how is this situation going to be handle? Releasing personal information that can damaged someone credit and Identity is incriminating and outright disrespectful.