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

Pursuant to 15 USC 1666d, Comenity Bank must credit my account the amount of its credit balance in excess of {$1.00} : Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( XXXX ) transmittal of funds to a creditor in excess of the total balance due on an account, ( XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 

Pursuant to 15 USC 1605, a finance charge is the sum of all charges however Comenity has failed to disclose this to me and I am due a refund of any payments I made. 
( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX XXXX XXXX  account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
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 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX TO XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report, and i'm seeing some fraudulent accounts that i have no idea about, they hurting me on getting credit on anything
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/2020 I used my mobile banking app with Wells Fargo to deposit a check for {$1400.00}. This was my normal depositing behavior while working for my old company. Over a month later XX/XX/2020, the exact amount of {$1400.00} was missing from my account leaving me with a negative balance. Upon noticing the error, I called up Wells Fargo and tried to connect with a customer service agent to figure out what is going on. By this time, I am no longer working for the company the original check was issued from and I am now working 5-6 hours away from that area. After a few days, calls and even trips to a local branch I was told that my claim was sent to investigations and that I would be updated personally as soon as possible. Days go by once again before I take the imitative to call once more and connect with the investigation department who informed me that my claim was closed and a letter would be sent out stating that there was a duplicate item from another bank and that I could not be helped. Days pass by with more calls in-between but due to the case being closed no one was able to escalate or work on the matter. The letter I was dated XX/XX/2020, and stated that on XX/XX/2020, I made an electronic deposited of {$1400.00} through mobile remote deposit. That information is completely true and was my usual order of business. The letter continued to say that the same item was deposited a second time through another channel and as a result on XX/XX/2020, they deducted {$1400.00} from my checking account. 
Their letter does not prove or even go into more detail as to where and when the duplicate item was withdrawn from. 
The letter ends with a Reference # : XXXX Confused by the open and closed case with what seems like no investigation nor facts I called the Bank back and used the reference number and was told eventually told the duplicate transaction was from a Federal Reserve Bank, a bank I have never used nor think I can use. This confused me and left me helpless as Wells Fargo would no longer assist me with this error and kept referencing the closed case, a case mind you that was open and shut with what looks like no real information. 
The company was no help even though I tried repeatedly to work and assist them with anything they needed to complete the recovery of my fund to my account that they wrongfully withdrew because they gave someone else money in a bank that I never visited, in a city that I was no longer in from a company I was no longer working for.
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. 
XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 


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: Debt collection

They called me and used a false name saying they were from the Civil Litigation Department and they were a law firm and they were going to sue me and were 3 days away from filing with the court and that they were going to serve me at my home and my place of business. 

When I called back and asked what firm they were a part of they did not tell me they just said they were the civil litigation department and they have offices in all 50 states. When I asked where there office in CA is they said that they would have to transfer me. 

It was a very threatening call and I felt very uncomfortable like they shouldn't have been threatening me like that. They wouldn't even tell me the name of their company and it wasn't until the next day I received the letter with my payment arrangement that the name of the company is UNITED RECOVERY SOLUTIONS not CIVIL LITIGATION DEPARTMENT. 

They are violators of the FDCPA and they should be penalized by the fullest extent of the law.
Product: Mortgage

We filled out our bank 's short sale/ deed in lieu paperwork in XXXX. We received an offer from a potential buyer in XXXX. Our file has been coming in and out of gatekeeping with US Bank since XXXX XXXX, XXXX. Our attorney has called US Bank every business day from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and there has been no change in status. We believe that the lender delay is merely a tactic to increase the amount of the underlying arrearage so that US Bank may increase their fees. We wonder if US Bank has a record of this type of glacial processing.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Checking or savings account

On XX/XX/XXXX, I applied for a brokerage account from Merrill Lynch. I received an initial follow up call for additional info which I provided on an unknown date. I was promised my account would be opened in XXXX hours as indicated by showing in my online banking with Bank of America by the representative. That did not happen. On XX/XX/XXXX, I received a second voicemail with a request for more information to open my account. On XX/XX/XXXX, I called and provided additional info, and the agent once again promised my account would be opened in 24 hours. Right after my call ended, I received two emails, one stating my account was open and another stating my margin account was approved. Neither email had my account number and to this day I do not know my account number. Nor did my brokerage account show up in my online banking. On XX/XX/XXXX, I called Bank of America to discuss a separate fraud issue, and to inquire about the status of my brokerage account. The agent indicated my new brokerage account was active and would show up in my online banking within 2 days. That never happened. Over a week later from this call, and over a month from my application, I still do not know if my account was ever opened or not, and if it is, I have no idea of knowing what sort of activity, unauthorized or not, and transactions are going on in my account.
Product: Checking or savings account

Wells Fargo has allowed my ex-husband to mobile deposit several federal tax refund and stimulus checks totaling around XXXX to his account that has my name on them without requiring my signature. I do not have a account with my ex nor do I have an account with Wells Fargo. He simply checks a box on the back of the check and writes for deposit only. I have filed a complaint with Wells Fargo and they called me to let me know that they were not correcting this problem and there's nothing they could do for me. I will have to hire an attorney and take him to court for the money to be paid that Wells Fargo has allowed him to commit fraud and steal from me. There is clearly a problem with how mobile deposits are monitored and its apparent they are not audited with Wells Fargo. Wells Fargo should have removed the funds from the deposits from my ex husband 's account until he properly attained my signature allowing the deposit to be made legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX put a negative mark on my credit for payment return from my bank. This was in 2021 during covid and I did explain to XXXX at the time that my bank card had fraud done so my bank put a stop on payments and XXXX happen to be one of them. This happen twice. Each time I let XXXXXXXX XXXX XXXX  what was going on and when bank was cleared I did make the payments. XXXX still put this on my credit and refuses to take it off. I want this off my credit.
Product: Credit reporting or other personal consumer reports

I have contacted these companies and done numerous Disputes with all 3 bureau 's and sometimes the Dispute results come same day and next day there is no way they are still reporting after Ive asked for cease and desist of all communication especially reporting on my credit report and the bureau 's are allowing it. According to fcra code 15 usc 1692 ( c ) these debts should not be reporting on my credit file for any bureau. The files are as follows : XXXX acct # XXXX {$520.00XXXX XXXX  acct # XXXX {$290.00} XXXX XXXX  acct # XXXX {$110.00} State employees credit union acct XXXX XXXX {$480.00} XXXX XXXX XXXX acct XXXX XXXX {$17000.00} XXXXXXXX XXXX XXXX acct # XXXX {$760.00}
Product: Credit card or prepaid card

I have been using my BofA EDD Debit Card for over year and half now. I've never had an issue with it. Prior to travel out of the country I had notified their department of it promptly. All of a sudden I find out that my account without prior notice whatsoever, has been blocked and locked. I am not able to access my funds, nor login into it, nor make any transactions while out of the country during the pandemic.

This is despite the U.S. District Court prohibiting Bank of America from freezing EDD debit card accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I called and spoke on XX/XX/2021 with BofA reps/supervisors for two hours. 
They're telling me the ONLY way to get this resolved is for me to PERSONALLY SHOW UP in a branch and present IDs. That is now not possible while I am out of the country till unknown foreseeable future with the pandemic. In the past, any issues I had to do with verification with BofA I would perform them on the phone with pin codes, security questions, etc. I have offered to submit my form of ID 's via email or online where I can upload them securely. They would not hear none of it. I am locked out completely from my only source of income while I am outside of the country during the pandemic!
Product: Money transfer, virtual currency, or money service

On XXXX at XXXXXXXX XXXX I received a phone call from Wells Fargo the number was showing as XXXX and the caller ID read Wells Fargo, I already had a missed call from them and XXXX additional that did not connect starting at XXXXXXXX XXXX. I was in a bad service area at the time. I was under the impression at the time it was an urgent matter. Upon answering the man said he was with the Wells Fargo Fraud Dept. He then started asking me about XXXX transactions and if they were authorized in the amount of {$3500.00}. I said no so he said my account had been compromised and we needed to secure my account against any further transactions. I was driving home at the time from XXXX XXXX to XXXXXXXX XXXX I had taken my husband to pick up his semi-truck. There was a bad snowstorm going on, so I pulled over on the side of the road and sat on the phone for XXXX minutes with a Wells Fargo employee, so I thought while we verified some info and secured my account. We even joined XXXX XXXX my husband and account holder onto the call. After everything was said and done, I had to get back to XXXX to get my children from school. I was worried and told the XXXX caller I really needed to get on the road. He said no problem and said I would receive a link with new login credentials and a temporary password. After driving home and picking my son up at XXXX pm I had not yet received anything, so I attempted to log on and it was when I discovered my account had zero dollars. I immediately drove to Wells Fargo and reported the incident with the Branch manager XXXX XXXX. Come to find out a XXXX for {$1000.00} and a wire transfer for {$8800.00} was transferred to a XXXX account. While on the phone with a WF rep they informed us they had a transcript of a person calling in saying they were my husband verifying information stating they needed the transfer for a down payment to a home. We have not attempted to buy a home anytime recently. We contacted XXXX and they looked up the information and found the money had been wired to an account based out of Florida that had multiple transactions going through fraudulently from XXXX, XXXX, XXXX XXXX, and other wire transfers. The money was withdrawn immediately. This was noted by XXXX bank manager in XXXX Idaho off of XXXX and XXXX XXXX. We then drove to the police station and reported the fraud. Since that time, I have received no calls for info only letters claiming I made the transaction and that my claim was denied. It was " escalated '' to the next level up and denied again. It was at this time I decided to reach out for assistance in resolving this matter.
Product: Debt collection

I received a phone call from ( XXXX ), which claimed it was collecting {$1200.00} on behalf of XXXX XXXX. I contacted XXXX, who said there was no such debt, and warned me to not pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and my information was compromised. Equifax did not disclose hack for 6 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my equifax annual credit report. I found that I have an unauthorized hard inquiry on my credit report. 
It shows on XXXX XXXX 2017, XXXX XXXX, XXXX XXXX put a hard inquiry on my credit report. But I did n't apply any credit card or load from XXXX XXXX, XXXX XXXX in XXXX 2017.
Product: Debt collection

First Source has reported these discrepancies on my credit report illegally because when I chose to opt out from them reporting anything to third party companies, they did not comply and it states in US Code Title 15 Chapter 94 ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. The company has reported inaccuracies to my credit report fraudulently. I requested a contract and have never received anything on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX in XXXX and was persuaded by the dealership to purchase GAP insurance at the time of the purchase because if something were to happen to the vehicle the insurance would cover the difference between my insurance and the cost of the car. 

I did not expect to utilize it however I was in a car accident about a year later and the car was deemed a TOTAL LOSS. My insurance company paid for the vehicle, however, their was a remaining balance left on the finance for the GAP Insurance that I financed in the loan. 

There was no reason GAP should not have covered the difference and I feel I was scammed and cheated for even financing gap with the car, as my insurance covered the full amount minus the gap coverage. If you look into the paper work you will see the remaining balance on the loan was for GAP! 

That being said, CapitalOne Auto reported negative on my credit report, so I reached out to resolve the issue. I reached out to them and was told if I made a payment the negative information would be removed from my report. I settled for slightly less then the amount, and they marked it as PAID with XXXX, but Derogatory with XXXX and XXXX. Adding insult to injury I reached out to them with no resolution.. 

I have reached out to them several times and have also reached out to XXXX, XXXX, and XXXX with no resolution. 

At this point I am becoming disheartened because I feel I was scammed into purchasing GAP insurance, and financing it with the car. Only to be cheated. They financed the gap, it did not cover my loss, left the gap insurance on the cost after the car was totaled and now are reporting negatively on my credit for the amount of the gap insurance. 

They are also not reporting the information incorrectly. Cap One Auto is reporting a last payment date of XX/XX/XXXX with XXXX and XXXX, but XX/XX/XXXX with XXXX.
Product: Debt collection

im writing on a paid charge off. I have paid my dues but yet they havent removed from my credit report.This is a paid charge off but shows that it was settled please delete immediately.When i paid this they said they would remove from my consumer report 2 years ago and never did and now its affecting me trying to get a mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with NAVY FCU. I have always made my payments on time. For some reason, I realized that there are multiple late payments on my credit report. As you can see, I have always had a stellar payment record with this company. They failed me!! I tried contacting both NAVY FCU AND ALL THREE BUREAUS with no successful resolution. There was definitely an error on their part. You guys are reporting late payments DIFFERENTLY FOR EVERY month for each three credit bureaus which means it is INACCURATE and needs to be REMOVED IMMEDIATELY!!! You are trying to diminish my character and I am not happy about it! You have 120 days late XX/XX/XXXX on XXXX  but then let 's go to XXXX and XXXX  and you have 150 days late FOR THE SAME MONTH! Well, which one is it? I was never 120 days late XX/XX/XXXX! You have 60 days late XX/XX/XXXX on XXXX  but then let 's go to XXXX  and XXXX  and you have 90 days late for the SAME MONTH! Well, which one is it? You have 30 days late XX/XX/XXXX on XXXX  but then let 's go to XXXX  and XXXX  and you have 60 days late FOR THE SAME MONTH! Well, which one is it? You have me on time XX/XX/XXXX on XXXX but then let 's go to XXXX and XXXX  and you have 30 days late FOR THE SAME MONTH! Well, which one is it? You have 30 days late XX/XX/XXXX on XXXX  but then let 's go to XXXX  and XXXX  and you have on time. Well, which one is it? You have me on time XX/XX/XXXX on XXXX  but then let 's go to XXXX  and XXXX  and you have 30 days late for THE SAME MONTH!! Well, which one is it? THIS NEEDS TO BE REMOVED IMMEDIATELY because you have failed to report accurate information and by the FCRA YOU ARE REQUIRED TO DO SO!!!!