23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

In XXXX XXXX XXXX XXXX, CA downtown branch. It was conspired between 2 branch managers to place a XXXX brown letter box of foreign exchange coin/bill from around the world in custody of Wells Fargo . As they threatened me to call the cops after they became aware of what was in said container. Allow Wells Fargo to Manage this box. Project % 11 of profit to XXXX XXXX XXXX XXXX XXXX. Invest % 9 into Wells Fargo. 20 % into XXXX XXXX XXXX. 20 % into XXXX XXXX XXXX. 20 % into XXXX. 20 % into XXXX XXXX XXXXXXXX XXXX XXXX XXXX " IMA sue yall '' lol
Product: Checking or savings account

I used Citibank to make two payments on Friday, XX/XX/2022 through XXXX- both payments were for {$310.00}. Both payments are listed as 'processing'- neither one has been paid and I am being told that it is impossible to cancel the payment. I was told on Friday by Citibank that it would take 2 business days to process because of an OFAC investigation and that there was nothing they could do. It is now Tuesday. The payments are still showing as 'processing. ' The Citibank representative told me today that it could take up to six days. Citibank still claims they still can not cancel the transfer. They recommend I pay the person I owe the money to in a different way and then hope that person gives me back the money if an when the XXXX payment actually goes through! There is no way to speak to someone at XXXX. They claim it is up to Citibank to address the problem. Citibank claims it is out of their hands.
Product: Mortgage

Last XXXX ( XXXX ), it was noticed that our mortgage payment increased by {$340.00} without increase in taxes or insurance. I quickly realized Cross Country Mortgage was paying our full tax amount twice per year instead of correctly paying our half tax amount. This took months to fix and several escrow analysis statements were incorrect ( making the same error ). I tried to resolve this without a complaint but they kept incorrectly calculating our escrow analysis despite having a letter from our assessor. Finally, after a complaint through CFPB the issue was fixed and everything went smoothly until the end of the year. 
Recently, upon logging into my CCM account I noticed XXXX tax payments scheduled to come out of escrow in XXXX of XXXX. The XXXX  amount is XXXX for Tax ID number XXXX. The XXXX  amount is XXXX for Tax ID number XXXX. The XXXX is not our property. It is our neighbor 's. This was double checked on the district parcel map and is associated with our neighbor 's name. All of our land is included on the same tax ticket. The tax ticket was provided to CCM in a notice of error I sent on XX/XX/XXXX. It states our half tax amount due is the XXXX and nothing else. In the middle of all of this, I get notice that our servicer is changing. I gave CCM time to fix this and called in to see if it was fixed before transferring to the new servicer. I was told that as of XX/XX/XXXX it was updated and that both of those were indeed our property. However, they aren't. The lady I spoke with further looked into the account and noticed that in XXXX of XXXX they even received a letter from our assessor noting that the XXXX was not our property. XXXX & XXXX is our property that is on the same tax ticket. There is not an additional tax ticket. There is not anymore taxes that should be coming out in XXXX other than the XXXX. However, CCM failed to get it right again. I was told I would get a response from the research department soon but every single year we are coming up with the same issue. It needs resolved completely, especially before another escrow analysis is conducted for the upcoming year falsely showing our mortgage payment to reflect us paying our taxes and our neighbor 's taxes ( which is not ours ).
Product: Debt collection

I checked my credit report and found a negative report from a company I have no relationship with that are reporting I owe and have not paid a debt I am not aware of. I never received any written notification of such a debt owed so I am disputing this as potential fraud or as incorrectly filed with the wrong consumer. I did not have any debt with this company that I am aware of and was not informed of any debt to this company.
Product: Checking or savings account

I have a navy federal account and 4 months ago i got sick with XXXX XXXX and i was in XXXX for 2 and a half months when i was in there Navy cancel my debit card so my family had no way in deposit to my account and i got hit wirh over XXXX worth of fees over draft
Product: Payday loan, title loan, or personal loan

I called   XXXX   XXXX   XXXX   (   XXXX   ) back in  XXXX  2016 because I needed some money get my car fixed. I received the money and was paying the loan off but another problem can up and I did it again.
Every time I would get the loan paid off something else would go wrong. The problem is the interest rate seem to go up. After months of this I called to see why the interet was going up. I was told that is the the new rate.
I was listening the radio and hear about this company Lexington Consumer Advocacy that could help me with this problem. They would contact them and get them to stop the over charges.
They told me that they where the company to get them off my back. The person I spoke to was  XXXX  at (  XXXX  ext   XXXX   ext  XXXX  ). he sent me the paper work at I needed to sign to get things started ( all paper work included ). I was told that they some legal people on staff to help if I needed help. I would also receive information sent to me to keep me informed on how things where going. after four ( 4 ) months had gone by and I still had not got any paper work. I paid them {$140.00} on the first payment and for the next ( 6 ) moths the payments would be {$120.00}.
I have also filed a complaint with a company called consumer action two weeks ago have not heard from them either. (   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   CA  XXXX   XXXX  I still have not gotten any response from them. They call if they do n't get there payment on time. I am sending all the information on both companies. There are several pages.
  XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint with the Consumer financial protection bureau regarding incorrect reporting in my credit report. XXXX has not yet finished my Dispute with Wells 's Fargo. However as of XX/XX/XXXX my credit score has decreased from XXXX to now XXXX in less than one month after my file dispute. Nothing in my credit report has changed and my payment history is currently exceptional with no missed payments or new hard inquiry. The only missed payments are the incorrect data from Wells Fargo back in XXXX which is currently unchanged or corrected regarding my dispute with XXXX. How can my credit report decrease 71 points when nothing has changed with my credit report? The other credit reporting agency 's credit score has not changed regarding my dispute with Well 's fargo that is much higher than my recent decreased credit score with XXXX.The previous dispute information is below with attachments. 




I made Payments On the loan on XXXX and XX/XX/XXXX and Wells Fargo reported it as late non payments which is false. XX/XX/XXXX Wells Fargo Sold/Paid off the loan when I was current on my Monthly payments ( Exhibit A ). Wells Fargo never informed me that the loan was sold/paid off but instead filed foreclosure on a home loan they no longer had possession of which is fraudulent. Im Disputing and requesting the Loan payments on my credit report from Wells Fargo to be removed from the dates XX/XX/XXXX to XX/XX/XXXX from my credit report. Wells Fargo dismissed the foreclosure case in XX/XX/XXXX when admitting an error regarding foreclosure and payment history. Then I was given a release of mortgage which was given to me regarding my home mortgage account with Wells Fargo. When the Release of Mortgage should have been giving to me back in XXXX not XXXX. This false information by Wells Fargo is adversely affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Equifax, XXXX, and XXXX have violated my rights. 15 U.S.C 1681 section 602 A. states that 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.
Product: Vehicle loan or lease

My husband and I voluntarily had our car repossessed because we had moved out of the country for XXXX  work. While out the country and even once we returned from our assignment we had been paying the remaining balance for the vehicle. We always did our due diligence and we had worked out a payment plan and had been paying each month with not problem. We had been told that the only way we could pay would be to call in, which we had no problem with. XX/XX/2019 is when things went downhill. We called as we always do to pay our bill and had on hold in the que for over a hour so because of work, we decided to try again another day. As we continued to call with no answer we assume it was because of the holiday season that they had been busy or closed. On XXXX XXXX at XXXX we received a voicemail from Td bank regarding our bill. Due to being at work we missed the call but returned the call the same day before office hours were over. We waited on hold for a while even while driving back home from work and never got anyone. We tried calling other reference numbers mentioned online in hopes that we would get the automated payment line as we had done multiple times before but the automated messages never brought us to that prompt they still have that option. I assumed since it was almost closing, no one was answering the phone anymore so we again tried the next day. Eventually after waiting for so long the automated System would say Our office hours are ... our website is ... goodbye and just hang up. Because of this message we assumed that it was due to the holiday hours. Again, we dont have a way to pay online. On XXXX XXXX after the holidays we tried calling again and was told our account has been turned over. XXXX XXXX we received a call from XXXX saying that they now had our account. We explained the situation to them and the guy proceeded to be rude and assault us. He told us there was no other option then to pay our balance within 30 days or they would take us to court. He proceeded to ask personal questions about why we went out of the country and if we had family that could pay our debt and he threatened to take wages from us if we didnt either pay the full balance in 30 days or do a {$4000.00} payoff within one week. We asked about a payment plan and he refused and said they will just take us to court. In all honesty, we can not give what we dont have. We have always paid all of our bill with every company weve ever been with so this is a first for us. We are honest people and want to pay our debt but rude remarks and threats were unnecessary. We called td bank again that same day asking why they had turned us over when weve always paid. The lady told us that she didnt understand why they would have since it had not been 30 days since our due date. She assumed it was a mistake but said that once it is turned over they have no power to get it back. We asked for a manager to call us back but we never received another call.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I went through XXXX with company info on this issue. As stated, I have asked Charter Communications directly ( as told to so do ) as they reported this account as " verified '' when in fact they have not. For if they had investigated this matter thoroughly, they would have noticed that the address used for this account was not factual and that, as I explained to both sides of this matter, I have NEVER had Charter Communications for any service at all. This issue involves some $ XXXX in services which is extrodinary as I can't see any company allowing a bill this large for so long. In fact, we've had XXXX since moving to the city weve been in for these 26+ years. My ENTIRE family uses and has had XXXX for all our services. The nearly 26+ years we lived at the address we resided, we never had outside service from any company outside of the XXXX XXXX. NOBODY has contacted me directly through email as requested, showing the information noted above, and I expect these individuals to do so as requested via email. They have my email so why not send me a copy of their billing, again, as requested. If this bill is ( was ) mine ... and it is NOT ... if it shows my name/address/city or state, then there should be no legal reason why this matter should continue to drag on and my dispute won't have to go through the courts as is my next move! XXXX XXXX have their issues, but they work with ANY customer they serve and give out the correct information providing your information given can be verified ... NOT CHARTER COMMUNICATIONS as everybody must all be giving out wrong info and if you have a bill/debt with them, they do NOT want you to be able justify their means for reporting very wrong and degrading information that effects everything an individual is attempting to stop.
Product: Credit card or prepaid card

Capital One sent me a credit card that I had never asked for ( presumably because the sports store XXXX switched its credit card, of which I had one, from XXXX XXXX to Capital One, approximately last year ). I never activated the credit card and posted a letter to Capital One by USPS on XXXX XXXX XXXX, requesting that they cancel this credit card with immediate effect. On XX/XX/, I received a credit card statement ( the first one ever ) from Capital One ( Payment Due Date XXXX XXXX XXXX  Balance {$0.00} ), at an address of mine that I had never given Capital One. In other words, Capital One completely ignored my request to cancel my credit card and instead seems to now hold an active account for me. I never opened an account with Capital One, I never activated the credit card that Capital One sent me ( ending in XXXX ), and I do not wish to have a credit card or account with Capital One ( and told Capital One so, in writing ). Please stop Capital One from making credit card and account decisions for me that are diametrically opposite to my written request, namely to cancel this credit card with immediate effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of federal law under the Fair Credit Reporting Act. Under FCRA 15 USC 1681b-Permissible Purposes of Consumer Reports ( a ) IN GENERAL. 
Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an
d no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave you any written instruction to furnish a consumer report, No content is identity theft. A copy of the identity theft report as marked Exhibit A attached.

Furthermore you violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairy and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX and marital problems. 
You have prevented me from extending credit and stopped by livelihood by violating my rights to consent and privacy. 
Fairness, impartiality and a respect for my right to privacy was not extended to me. 
I have contacted the Attorney General 's Office, XXXX  and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me. You furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public. 

An attachment labeled Exhibit A as proof is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was in XXXX  and dealing with some severe health problems, my parents stepped in and helped out with a credit card I had at the time with XXXX XXXX. According to my mom, she closed the account, not realizing the negative impact it would have on my credit. When I got older and viewed my credit report, I noticed a negative item from XXXX XXXX for this account, stating there was a {$260.00} balance that was charged off. I contacted the local branch closest to me ( XXXX XXXX XXXX XXXX ) in XXXX where I was working at the time and made arrangements with the branch manager to pay IN PERSON in several installments. This balance was fully paid as of 2015 at the latest ( I no longer have the specific dates ; I threw out the receipt last year because they told me at the XXXX XXXX branch that everything was current ). I have disputed this with XXXX XXXX   directly, as well as Experian, but each company tells me I still owe the {$260.00}. This information is simply incorrect and it is hurting my credit years later.
Product: Credit reporting or other personal consumer reports

This account is a result of a recent ID theft incident. Please assist me in removing the listed account and inquries from my consumer reports.
Product: Student loan

I submitted my final PSLF form in mid-XXXX. It has been over 45 days, which is the maximum processing time. My certified payment count was not updated. 
I called to check on the form, and they said the form was already processed, but they failed to update the count at all. They said it would be re-processed and completed within 5-7 business days. Several weeks later, nothing has happened. 
I should be done with PSLF, but now I am having active billing restart. They are past their processing deadline, and other people I know who submitted later than me already got their counts updated. I don't know what else to do.
Product: Debt collection

AD ASTRA is falsely stating on my credit report that I have an open account with them after I stated that I do not and after I disputed the debt. They continue to call me and text me and ask me to respond, and when I tell them to stop calling they change their number and call me again from a different number.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. i have not been able to obtain anythig in my name nit a place to live, utility or a bank account. this is really effecting mu livelihood. i have trouble with getring hired and jobs, my background comes back with these accounts and i cant anything by myself. please help me look into these accounts i need ro get my life back. i am only XXXX and this is holding me back. 

please see the attached id theft report for more details. 

XXXX XXXX XXXX XXXX  {$170.00} XXXX XXXX {$29000.00} XXXX XXXX XXXX $ {$300.00} XXXX XXXX {$16000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  After reviewing my credit report I noticed a fraudulent account reporting. I have no knowledge or relationship with the company. The company has not provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. This is hurting my credit profile, please delete this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. My name is XXXX XXXX and I am writing to dispute several inaccuracies that have appeared on my credit report, dated I have recently obtained a copy of my credit report, and after careful examination, I have identified some discrepancies that require immediate attention I believe these inaccuracies are negatively impacting my creditworthiness and overall financial standing. Below is a list of the disputed accounts along with their respective account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I wish to bring to your attention that the inclusion of the above-mentioned accounts on my credit report is erroneous and a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( B ). According to these provisions, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Any information that can not be verified as accurate must be promptly removed from the credit report Moreover, as per the FCRA Section 609 ( a ) ( 1 ) ( A ), I have the right to request verification of the information provided on my credit report. I kindly request that you conduct a thorough investigation into these disputed accounts and provide me with documented proof of their validity. If you are unable to furnish such evidence, I demand the immediate removal of these items from my credit report. 

It is crucial to emphasize that a fair and accurate credit report is vital for me to obtain loans, credit cards, housing, and even potential employment opportunities. These inaccuracies are unjustly tainting my financial reputation, and I am taking all necessary steps to rectify this matter. 

I trust in your expertise and professionalism in handling this dispute. The FCRA mandates that credit bureaus investigate disputes within 30 days of receiving a request. Therefore, I kindly request your prompt attention to this matter to ensure a timely resolution. 
Please provide me with a written response detailing the results of your investigation, along with an updated copy of my credit report once the inaccuracies have been rectified. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution and a corrected credit report that accurately reflects my financial history.
Product: Checking or savings account

My card was fraudulently used. I kept waiting for weeks while my account has been negative due to the fraudulent charge. I found out two days ago that my dispute did not go in my favor. I called one of the companys myself and was told that Citibank never contacted them about a charge back or reguarding the amount. Citibank denied my claim without any investigation. I have proof from one of the companies saying they were never contacted. Citibank never provided me with any evidence of their investigation. They lied and didnt do a proper investigation.
Product: Checking or savings account

The first time with chime was XXXX, XXXX 2024, in the amount of XXXX Second time XXXX XXXX 2024 XXXX Third XXXX 2024 XXXX. 

This has all been done with chime bank and they will do nothing about it and I have made a fraud claim i have proof of all documentation. And they pretty much call me a liar. During this time I have had a XXXX  XXXX and Chime said that is not there problem and they are in the business of making money they don't care what you have to worry about. Cash app has a full investigation going on because they have all documents and said that the fraud was valid.