23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Settelment payment was agreed upon by both parties and paid by XXXX XXXX. XXXX XXXX has since refused to remove from credit and still shows a balance owed, causing derogatory remarks on my report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/2022 Jefferson capital system XXXX XXXX XXXX, XXXX XXXX, mn, XXXX Dear Jefferson capital system I am responding to your contact about collecting a debt. You contacted me by [ XXXX, XXXX XXXX XXXX XXXX fl XXXX. 
and identified the debt as XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. You have no proof that this debt is mine or that I signed for any service or phone. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Bank account or service

I told the bank to stop payment for a mortgage i was going to pay at a later date because I knew i had insufficient funds. They told me that i have nothing to worry about and that they 'll take care of stopping the transaction.I told them again as a reminder 2 days before the trancsaction. I gave them 5 days notice total of the transaction, I later found out they had let the transaction through not once but XXXX, since i didnt have enough funds i was charged XXXX insuffiecnt funds fees for XXXX dollars each. And now they are telling me its my fault for not having the funds even though I gave them a notice to not allow payment.
Product: Credit reporting or other personal consumer reports

TransUnion said no score or report available due to lack of credit information also refuses to remove inaccurate personal information that is not as listed on my state identification
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I've sent letters to all 3 credit agencies for a investigation of inaccurate information reporting on my credit report. I've gotten no investigation letters from bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, natural person, living person is giving written instructions to XXXX to remove and cease furnishing any and all reporting activities in regards to the accounts above.
Product: Credit card or prepaid card

On XX/XX/22 I purchased a Vanilla Gift Card at XXXX XXXX and loaded {$500.00} on it. When I got home, I called to check the balance on the card, and it had a zero balance right out of the package. Two purchases were made ( not by me ) on the card to a company called XXXX which I can't find any info on. One purchase was for XXXX and one for XXXX which adds up to XXXX. I've spent a month with Vanilla trying to get this resolved with no results. Someone stole my XXXX and someome needs to be held accountable. Please help if you can. Sincerely, XXXX XXXX XXXX. My account with Vanilla is under my nick name, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have been disputing multiple accounts with XXXX, Experian and XXXX since XX/XX/XXXX. I disputed a charged off account from a company called XXXXXXXX XXXX that is still showing a balance owed after selling the debt to a collection agency/debt buyer back in XXXX. This account had discrepancies across all 3 Bureaus during my initial dispute and was still reporting a payment history as of XX/XX/XXXX ; XXXX and Experian have been updating this account for 4 years consecutively, violating my statute of limitations and refusing to provide proper investigation results/details. 

I also disputed an account with XXXXXXXX XXXX XXXX XXXX XXXX, the collection agency, that also had discrepancies across all XXXX Bureaus. This account was showing a positive payment history with XXXX from XX/XX/XXXX- XX/XX/XXXX with no date of delinquency, while Experian shows this as a delinquent account ; it is obvious there was not a thorough investigation completed. 

I also disputed an account with XXXX XXXX XXXXXXXX which was removed from my Experian report because it was unverifiable. XXXX is reporting this same account and claims to have " verified '' it and has not provided me with any supporting documents. 

I also disputed another account with XXXX. XXXX XXXX with Experian that has been repeatedly charged off and reporting a payment history since XX/XX/XXXX - XX/XX/XXXX, I have yet to receive any supporting documents proofing validity of this account. 

I have sent at least 4 rounds of letters for each account, and I continue to receive a generic response in regard to these accounts saying that it has been " verified ''. It is ABUNDANTLY CLEAR there are no real investigations being conducted and my credit is suffering as a result of their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion unlike the other two credit reporting agencies has a really bad website that's been causing issues for years now. I have to call their support everytime I need to just log in as the website is glitching on the logging in page everytime I try to just lift a freeze or do anything. No issues with the other two again just TransUnion, they need to fix their website asap!
Product: Credit reporting or other personal consumer reports

Please Delete these accounts Immediately they were fraudulently open! 

XXXX XXXX XXXX  XXXX XXXX {$1400.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Amount XXXX {$520.00} Opened : XXXX XXXX XXXX XXXX XXXX : {$420.00} Opened : XX/XX/XXXX Pursuit to 18 USC 8, I owe no debt. This company is in violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4.

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY!
Product: Checking or savings account

Someone stole my XXXX  and got access so on my accounts they drained and ran up my credit cards and debit cards. Change passwords to all my emails tried to take out grants and loans making purchases under my name and opening up accounts, like bitcoin using my social they took everything out of my daughters savings account and I do know the name of the person doing this. I dont know shes doing it exactly it just know that she was the one that had my computer and returned it to me thinking that she was doing it as the kindness of her heart in reality she had hers copied everything or transferred to her phone
Product: Checking or savings account

On XXXX XX/XX/2022 I filed a dispute for the amount of {$1800.00} for a fraudulent website posing as XXXX. Chimes investigation found that no billing error was occurred. I filed a rebuttal as well as submitted evidence of said billing error. After the rebuttal was filed, I received a notice that all of my accounts would be closed on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX I inquired on what my ending balance was, as it appears that a chargeback was done on the dispute from XXXX XX/XX/XXXX for {$1800.00}, and when I would expect the check. I called the XXXX number Chime provided and then emailed after the XXXX number wouldnt answer my questions. The response I received on XXXX XX/XX/XXXX said that they would not answer any questions as my accounts were closed.
Product: Student loan

ReliaMax created obstacles to fair repayment by providing bad information about forbearance and deferment. For ReliaMax, they mean the same thing. See attachment.
Normally, a forbearance is an option if the student is not eligible to postpone payments using a deferment. ReliaMax refused to offer deferment as per terms from XXXX XXXX. Original lender : XXXX XXXX Loan / XXXX XXXX XXXX ( XXXX ) Acquisition by another lender : -- -- a bank in the middle of US. I do n't remember the name.
Original servicer : XXXX XXXX ( XXXX ) servicer 2 : XXXX XXXX XXXX XXXX XXXX servicer 3 : -- -do n't remember -- - it was for short time servicer 4 : XXXX XXXX XXXX XXXX 5 : ReliaMax
Product: Checking or savings account

I scheduled payments to my Bank of America credit card and when the bank tried to pull, they said there were insufficient funds. Yesterday on XX/XX/24, they took {$800.00} from my new account that I use for my inventory and paid it to the credit card account, which was not due until XXXX. They did not take the past due balance, they took past due and current 3 weeks before it was due. When I called yesterday, they told me they would refund me and then today, they told me they won't, due to right of offset. From my research, offset payments are only valid on auto or mortgage loans, not credit cards. I need that {$800.00} back immediately.
Product: Checking or savings account

To Whom It I am filing this complaint against Capital One regarding the closure of my account and the withholding of my funds without adequate justification or communication. 

On XX/XX/year>, I initiated a wire transfer to my brother for legitimate personal purposes. Shortly afterward, Capital One abruptly closed my account, citing this transaction as the reason. Despite my repeated attempts to resolve the issue and retrieve my funds, Capital One has failed to provide a clear explanation or release the remaining balance in my account. 

This situation has caused me significant inconvenience and financial distress. I believe Capital Ones actions are unjustified and potentially in violation of consumer protection laws. I kindly request the Consumer Financial Protection Bureaus assistance to : 1. Obtain a clear and detailed explanation for the account closure.

2. Ensure the immediate release of the full balance of my funds.

3. Promote better transparency and communication from Capital One in similar cases. 

I have attached all relevant documents, including account statements, proof of the wire transfer, and any correspondence with Capital One, to support my case. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly.
Product: Mortgage

I refinanced my property from Bank of the West to XXXX XXXX, during this process, taxes were due, to be paid out of my escrow account. Bank of the west paid my taxes late which occurred late charges, I was never notified that taxes were not going to be paid on time. I spoke with Bank of the West, they told me that a letter should have been sent out, I never received a letter and requested proof of the letter sent, after a day they emailed me back and informed me that they never sent me a letter. I have repeatedly tried to find out whether they were going to credit my escrow account, but now i can not get a response. I should have the right to pay my taxes on time and avoid late fees, Bank of the West never gave me the opportunity and therefore took it upon themselves to spend my hard earned money.
Product: Credit reporting or other personal consumer reports

I paid off XXXX XXXX student loans over 6 months ago, and Equifax and XXXX both still report the accounts as active and in repayment ( and the balances as several XXXX dollars ). I contacted XXXX several times, and they confirmed theyve reported to all XXXX credit bureaus that the accounts are paid in full/closed. Ive also filed disputes with Equifax and XXXX- they closed the disputes without resolving them.
Product: Checking or savings account

Bank of America places holds on checks even though weve deposited the same checks for more than two years of the same amount written by the same person. Now during the pandemic BofA decides to place nine-day holds on funds when then never did in the past. This is the second time they did this. This is the same company that received {>= $1,000,000} from the federal government during the last financial crisis. Its unconscionable to hold funds like this during a pandemic, and this is the second time theyve done this. Their answer is that theyre protecting us or the reasons they held the money are proprietary. Thats not acceptable. 

They also took excessive amounts of time to release Treasury funds for Covid relief and offered a {$200.00} credit and delayed the {$3600.00} deposited by the Treasury Department. Theyre not playing fair during a pandemic. They have now collected excessive overdraft fees for funds that they held.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, XXXX, and Transunion. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.
Product: Checking or savings account

I was accidentally chatting with a " scammer '' on XXXX named " XXXX '' This person claimed to help me out with a gift of a check for {$7500.00} to my Charles Schwab Investor checking account. The mobile deposit was immediatly made available by Charles Schwab, and the scammer instructed me to buy XXXX gift cards with the cash available from the ATM withdrawls from the check. I later found out the person was scamming me and the bank because when I called Charles Schwab, they told me afterwords the check was from a closed account, and a few days later got returned or bounced. Charles Schwab is now saying I am responsible for {$2000.00} of unpaid overdraft balence from a fake check that they did not hold funds on. Also, a deposit of {$1800.00} was made from my friend to clear up this problem to Charles Schwab. In fact, Charles Schwab took this {$1800.00} and claimed they returned it, however my friend never recieved her {$1800.00} back. In all Charles Schwab bank is holding me responsible for their mistake of not withholding funds, and on top of that they stole my friends money and no one knows where it went.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to third party agencies to use report. I also don't recognize any of these reports from : XXXXXXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2021
Product: Debt collection

Fraud has been committed on my Consumer Report which violates the FCRA and FDCPA. CREDENCE RESOURCE MANAGEMENT , LLC is using extortion means to collect an alleged that I do not owe that resulted from extension of credit which violates Title 18 United States code 892-894 and constitutes racketeering activities and extortion. This is a notice sent per the Fair Debt Collection Practices Act the ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This notice states that your claim is disputed and the validation of the account is required *purchase agreement* Evidence that you are a licenseded debt collector *Chain of Title* Proof your are license to collect a United states debt and enjoy it *A requested copy of your XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . THIS IS A REQUEST FOR A COUNTY REQUEST REGARDING THE LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210 This authenticated record must include all tax filings ( including all 1099s 1096s and 1098s ) any and all trades or investment and/or interest is associated with this account of which I am alleged to be a party. I have a right to this information as it's directly associated with the reporting activities. please settle the account immediately and cease all Communications activities and have the tradeline line deleted from my Consumer Report. Also see attached letter
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX  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 am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX BALANCED {$25000.00}
Product: Mortgage

On XX/XX/XXXX I made a payment to flag-star Bank in the amount of XXXX through XXXX online bill pay. After flagstar received my payment on XX/XX/XXXX and posted it to my account they reversed the payment on XX/XX/XXXX. However they have not returned my money to me or XXXX. After several investigations with Flagstar bank and sending them proof of funds and several other documents. They refuse to return my money stating they dont have it. However they can not provide me or my bank with a federal trace number showing the funds returned. They keep referring me back to XXXX. XXXX has sent them proof of payment with federal trace numbers yet they still refuse to refund or credit my account for money received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a bank account in my name then opened a line of credit of XXXX and also opened a credit card ... I 've done everything the bank said do I 've sent them do you have the police report they sent me an affidavit I filled it out and had it notarized in front of a government official and they still wo n't remove this information this incident happened in 2015 I do n't know what else to do please help me please this happened in 2015 the bank is Wells Fargo the personal loan department
Product: Mortgage

I was approved for an Executed Modification agreement. I submitted all the required documents on XX/XX/year>, that were notarized as requested. On, XX/XX/year> I was notified ( vias XXXX  ) that XXXX Mortgage received the executed modification agreement, however, it was not properly executed ( via XXXX Mortgage ). I was served court documents ( via XXXX in person ) that my home is now in foreclosure. Presently, XXXX XXXX XXXX, XXXX. are now attempting to collect the debt of {$XXXX}. I don't know where to start or how to proceed in this matter.
Product: Credit reporting or other personal consumer reports

Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions.

15 usc 1666b- Timing of payments ( 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.

15 usc 1681a Definitions ; rules of constructions ( 2 ) ExclusionsExcept as provide in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, DEPT OF ED/AIDVANTAGE has violated my rights. Regarding alleged accounts # XXXX, XXXX, and XXXX 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. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.