23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from William and Fudge , Inc about being delinquent on an account with a bank. I reached out to the bank and they did not have any missed payments or even the account number that I was given to me on on the notice. I have reached out to all my student loan lenders and I have not been delinquent. I do not know how they got my contact information because William and Fudge received my information from the bank that has apparently sent me multiple notices. I've lived in the same address for over 2 years now and this is the first time I have had any interaction with the lender bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of a result of a XXXX settlement between 31 state attorneys general and Experian, XXXX, and XXXX, who together created the National Consumer Assistance Plan. The plan which went into effect in the second half of XXXX was designed to limit credit reporting errors that negatively impact scores. The settlements prompted the credit-reporting companies to take away some non-loan associated gadgets that have been despatched to collections companies. The companies additionally agreed to take away medical-debt collections which were paid by a affected persons insurance coverage. 

I have requested for both XXXX and Experian to enforce this settlement, as it relates to my reporting of Non-Loan, ( specifically XXXX XXXX ) and the one medical dept listed ( XXXX XXXX ), as it was paid by my insurance at the time, however they decided to Balance Bill the difference, which is illegal. - I am again requesting both XXXX and Experian enforce this settlement and remove these 2 items.
Product: Credit reporting or other personal consumer reports

Through Equifax, XXXX and XXXX this agency has not verified I approved their transaction for auto loan XXXX XXXX XXXX was orginal credititor.See Bellow- This file was removed and reappeared. It is over 7 yrs of age. Also, In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with XXXX XXXX XXXX. Account Original creditor XXXX XXXX XXXX Account number XXXX. REMOVE IMMEDIATELY .... I will sue all 3 Credit bureau agencies, XXXX XXXX XXXX and XXXX XXXX
Product: Prepaid card

I originally had a case this time last year. The company XXXX is making it seem like I did not follow through when I most certainly did. I have proof in my sent emails I can provide if needed. The case was closed, but they did not do their part. All I was and am asking for is to my funds to be returned to me.
Product: Mortgage

I have an interest only loan and my interest has not changed in years. But my mortgage company keeps raising my PMI. I am also proper tax exempt in Michigan because I am a XXXX veteran.
Product: Credit reporting or other personal consumer reports

I noticed my credit score drop unexpectedly and was followed by a hard pull from a bank I havent had an account with for almost a year. A couple days later i receieved notice of 6 more pulls from unknown sources. Attempted to call the support line and was ran in circles with the support team and management with non answers and excuses as to why they cant help me despite my willingness to cooperate with the identification information they requested.
Product: Credit reporting or other personal consumer reports

I ask XXXX, transunion and XXXX to remove these fraudulent accounts off my credit! I provided information that proved these accounts were opened during my incarceration and gave my incarceration papers and they still left it and said the debt is mine. I would like this removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because I applied for the XXXX credit card today XX/XX/20 and I was denied because I guess there are accounts reflecting badly on my credit report. I got a copy of my report and when I was looking through it, I saw a few accounts that do not belong to me. The accounts are from these companies XXXX/XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX. I have never opened an account with any of these companies nor did I benefit anything from the accounts opened with those companies in my name without my permission such as money, goods, services or any other benefit nor did I contribute to any payments that were made towards these accounts.
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. 
Account Name : Account Number XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX All those above accounts have 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 an 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 or 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 card or prepaid card

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

1. XXXX  Account Number : XXXX  XXXX days late in XXXX XXXX 2. XXXX Account Number : XXXX  XXXX days late in XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Notified on  XXXX / XXXX / XXXX  that my Credit Report had changed due to Collections filed against me with all  XXXX  major Credit agencies .by First  Financial Investment Funding . First Financial  had made no attempt to communicate with me regarding the debt prior to my discovery.   XXXX    provided me with their contact information. When I spoke with them they told me they had no obligation to contact me. I disputed the debt and asked for verification. With the information they had given me I contacted the debtor myself ...  XXXX   XXXX   XXXX ,  XXXX  Georgia. The Hospital faxed me documents from  XXXX  verifying the debt. I paid the debt immediately. Had  First Financial Investment Funding  simply followed the guidelines regarding debt collection my credit rating would not have been compromised. My research on  First Financial Investment Funding  has shown what they did to me constitutes the way they do business. If this company is allowed to continue this practice them the guidelines are meaningless. Aside from what they actually did, the few conversation I had with them leads me to believe there are issues regarding them that should concern us all. Because they did not follow the rules I would like them to remove all negative remarks from my Credit Report.
Product: Money transfer, virtual currency, or money service

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

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

After filing a previous complaint for an unauthorized/unwanted cash advance for {$20000.00} by XXXX XXXX XXXX  XXXX A few days later he received a phone call from the local XXXX  of the president, XXXX XXXX. After an excruciating conversation XXXX XXXX was willing to mail us a payment envelope. I requested this because I didnt trust the company as all reps I spoke with were outsourced to the XXXX  XXXX When I received the letter he neglected to provide full account info and only provided a XXXX digit account #. When I spoke me with XXXX XXXX he offered to go to a local bank branch and make the payment but he said I couldnt do that and thats now how payments are made. For the last XXXX XXXX weeks as he did not provide direct contact information and I have to an art from the bottom up each time. I am starting to get threatened calls from XXXX requesting payment. Please give me proper access to pay this unauthorized/unwanted balance transfer
Product: Debt collection

In XX/XX/2013 this Account was consolidated into XXXX Acct # XXXX
Product: Vehicle loan or lease

I had leased a XXXX in XXXX for 39 months which was the agreement. I returned the back when the lease was up, but did owe them for mileage in the amount of {$5700.00}. When I returned the car I was told that someone would be reaching out to me to make payment arrangements. I have been trying to reach someone for over a year that could help me with this issue and no luck. I sent a letter on XX/XX/XXXX, still no one has reached out to me. However, they have reported to the credit bureaus that I owe that amount which is correct, but attached a monthly payment of {$480.00} which was my monthly lease amount. That is in correct since I finished my lease and returned the car in perfect condition. I need someone to reach out to me so I can make payment arrangements and have them remove that monthly payment from my credit since I dont have the car any longer and that was my lease payment not my mileage payment.
Product: Bank account or service

on XXXX XXXX I want to use my atm debit card and it would n't work at a gas station. I checked it at ATM kiosk and it told me that the card has been deactivated. I went to Citizens Bank the issuer of the card and they seized my card inform me that the account was closed. Would n't give me any explanation.that was the XXXX branch. or to the XXXX branch office the next day with a witness.they still would n't tell me why the account was closed however the branch manager informed me that she would call me back in XXXX and she would try to resolve the issue and give me an explanation as to why my account has been frozen. I called two days later. the branch manager XXXX and for me that they 'd send a letter closing my account to XXXX to my residents on vacation here in XXXX at the time. where my XXXX check was deposited they froze the account. now they informed me that they 're sending a letter to XXXX telling me when they will release my funds. that supposed to be in a life-threatening situation due to my medical needs and the fact that they just need the money to live on.its cause me damages by Missed business opportunities and the inability to pay my automatic reoccurring accounts. not knowing if I 'll ever get my money back so extremely stressful.
Product: Debt collection

This is regarding a Costco AMEX card balance that was transferred to Costco CITI without my knowledge and consent. I did not asked for a new Costco CITI card and I did not applied for a Costco CITI card. I never got a written notice that this was going to happen automatically and have not received a Costco CITI card. As a result of this error in collection that was amounted to {$250.00}, my XXXX score dropped from 825 to 688 and continue going down. I had loss opportunities of seeking new credits such as mortgages, auto loans, or personal financing. Loss opportunity in getting jobs due to XXXX drop. Many others damages that is without end to name. I have tried to resolved this issue with CITI collection without any end resolved. Please help me correct this bank predatory behavior. Thank you ACH.
Product: Credit card or prepaid card

Citi Bank will reduce your credit limit with no warning whatsoever. This impacts my overall credit score. 

I had great credit. I was a day late on one payment. Citi Bank basically " reviewed '' all of my accounts and reduce my available credit for arbitrary reasons. I have not had any credit problems up until that point. 

I know you will say you should've paid your bill. I understand, I was late one day. They basically have locked my credit down. Made my credit score go from almost 800 to XXXX in the matter of one month over one payment. 

Credit card companies should not be able to do this over one payment.
Product: Debt collection

dear WFXXXX I am filing this complaint with the cfpb because you guys have not taken my identity theft seriously. on XX/XX/ the Permanent Fund Dividend Division of the state of Alaska lost my name my dob, social security number, my address everything that on my my birth certificate and all my bank info as well. after I submitted my application for my yearly PFD the page reloaded with someone else 's information. i contacted that person to let them know what happened and then contacted the state of Alaska to let them know what was going on with there website but because it was a weekend and a holiday there offices were closed. so i did the next best thing i called all the local news stations.so they can warn people what was going on they come to my house and did a interview with me so other Alaskans would know not to file there pfd until the state fixed there website the media was also able to get hold of the governor and he order the state to shut down the pfd website. the following XXXX I contacted the three credit bureaus and put an extended fraud alert on my credit report but that haven't seem to stop the people who have stolen my identity from opening accounts in my name i have sent you copy of my police report and other documents showing i am a victim of identity theft and you guys have not resolved this problem
Product: Checking or savings account

i am writing to file a complaint against Navy Federal Credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting

I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since XX/XX/2016. Despite this fraud alert an individual, XXXX, the finance manager at XXXX XXXX ( XXXX XXXX XXXX XXXX , XXXX, IL XXXX # XXXX ). repeatedly attempted to secure a loan through XXXX banks XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX for a brand new Chevy Corvette. I became aware of this on XX/XX/2016 when I received a phone call from the dealership and the XXXX loan officers. As is not standard when authorizing a hard pull XXXX accepted an inbound, not outbound, call and spoke to the criminal using my identity to secure information to make an inquiry on my credit. The individual ( s ) at XXXX XXXX should have notified the XXXX Police Department immediately as they could have potentially apprehended the criminal using my identity fraudulently - instead XXXX and the unknown salesperson continued to try and gain access to my credit and get the loan financed. This violates the fraud alert and compromises my identity and safety even further. XXXX needs to immediately work with TransUnion and have this inquiry on my credit removed. I 've filed an additional police report with local law enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect and they are adversely affecting my livelihood. 

XXXX XXXX XXXX Account # XXXX
Product: Debt collection

I received a letter from your company stating that I owe an outstanding balance ( see your letter attached ). I would like to let your company FEDERAL ADJUSTMENT BUREAU INC XXXX know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt. So, I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned that debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor. 6. Name and address from the original creditor.
7. Company if the original contract bearing my signature.

8. Where is the notification of debt?

9. Proof of transfer of debt.

10. How was the interest and accounting principles accrued?

11. Where is the exchange of title of ownership?

12. Where is the contract for 1319.12 ORC Taking Assignment of Debt ( C ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Thank you for your time and cooperation
Product: Debt collection

XX/XX/year> I received an email from XXXX that I had an account in collections. The company collecting the debt is called Radius Global Solutions. I have not received any certified mail regarding this debt or proof of debt. I do not know where this debt originated. There is no agreement or proof that this is my debt. I require proof of debt by certified mail or request to have the account deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is continually reappearing on my report, even though there is no balance, the information should have been entirely removed permanently. It continually shows a charge off status when it reappears. This was closed and paid off XX/XX/2017. This auto account needs to be removed from my entire credit report.
Product: Debt collection

I spoken with them several times in a year. An in XXXX they informed me yes they sold my information to a third party without my knowledge. Also, I told them that I dont owe them anything because my car was paid off by insurance XXXX an Gap an they said no. I also informed them that constantly calling me an telling me that my credit score would be damage was inappropriate. But on my credit they written several negative things. An I didnt give Exeter financial Corp no authority to sell my information to XXXX XXXX
Product: Checking or savings account

A {$1400.00} was check drawn from XXXX XXXX account and deposited at a Wells Fargo branch on XX/XX/2022. Wells Fargo claimed " insufficient funds at time of inquiry '' on XX/XX/2022. Financial institution, XXXX XXXX both on-line account information and from talking to agent assured that funds to cover check deposited in Wells Fargo checking account were available at XXXX XXXX on XX/XX/2022. Wells Fargo cashed check and funds were withdrawn from XXXX XXXX account on XX/XX/XXXX, but not made available to checking account by Wells Fargo. Wells Fargo placed a hold on funds to be usable until XX/XX/2022.
Product: Bank account or service

Simple Bank itself is a great idea, the execution and customer service however is far from it. Not only am I unable to use my funds in any sense ( purchase something with my card, ATM withdrawal, transfer funds, etc. ) but they closed my account without any consent or communication to me. Now the only form of contact I have is over the phone and every time I call they hang up on me saying that 'I do n't have support ' and then the call ends. 

It has been months and I still have not received any of my funds. This bank should not only be shut down, but sued. 

Never been more dissatisfied in my entire life.
Product: Checking or savings account

In XX/XX/2024, a fraud transaction of XXXX USD happened through my chase bank account. I immediately contacted chase bank customer support and notified them this is fraud. They have assured multiple time that there is nothing to worry about. They will reverse the transaction and block my debit card. After a day, the transaction got reversed and after a week I got my new card. BUT today I got a letter from chase saying that I need to pay for the fraud transaction, and XXXX USD will be debited from my account.