23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I found an unfamiliar XXXX Wireless account on my credit file, I contacted XXXX to discuss in further details but they stated by law they can no longer can discuss the account because it was sold. I contacted the company it was sold to - Jefferson Capital System - the company the debt was sold to and they forwarded me XXXX. On XXXX/XXXX/2015 I spoke with a rep from that collection agency ( working on behalf of Jefferson Capital System ). I 'm not sure what XXXX is charging me for. I had a phone with them but returned it in three days after signing up because I realized that I could not afford it. First XXXX XXXX XXXX said they have no details about this account. Jefferson Capital System did n't provide details but they are only responsible to collect payments. XXXX said they have no details and Jefferson Capital System directed me back XXXX. If no one can provide me details about this account and the charges, why am I responsible to make a payment? This is unfair and does n't make any sense to me.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XXXX XXXX, XXXX, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$13000.00}.
Product: Checking or savings account

I have notified the bank on numerous occasions that the account is not set up for debit card overdraft protection they do not even provide this service as an option for a business account according to their website. 

They continue to provide this service and continue to charge me fees.
Product: Checking or savings account

XX/XX/year> - Chase rejected external transfer of {$15000.00} into bank from XXXX XXXX XXXX  after transfer verification process without notice or reason. 

XX/XX/year> - Chase rejected external transfer of {$7000.00} into bank from XXXX  XXXX XXXX Bank after transfer verification process without notice or reason. This XXXX  XXXX XXXX account was the funding account previously used to fund the Chase Account. 

XX/XX/year> XXXX XXXX will call me back within 2 day. 
XX/XX/year> XXXX XXXX Fraud XXXX - Relief Lead '' XXXX XXXX, OH. '' XX/XX/year> XXXX ( XXXX ) XXXX XX/XX/year> At XXXX XXXX  XXXX XXXX XXXX couldn't explain why transfers were rejected. Asst XXXX and JP Morgan rep didn't know external transfer existed outside or bank wire. XXXX corrected them with her knowledge of external transfers. 
XX/XX/year> XXXX XXXX XXXX ) XXXX XXXX Team XXXX Team Escalation Case # XXXX XX/XX/year> XXXX ( XXXX ) XXXX XXXX XXXX Team Escalation Case # Case # XXXX L/M. 


Chase never notified me of their rejection. How did they expect me to maintain my required {$15000.00} minimum required balance if they won't let me fund the accounts? 

Chase, on every occasion, refused to explain their rejection or lack of notification. Their I was treated poorly at the XXXX, MD branch and felt like they discriminated me due to the color of skin/ethnicity. Their branch assistant manager and JP Morgan did not know they supported external transfers.
Product: Payday loan, title loan, personal loan, or advance loan

Im paying more than the monthly payment but I dont see too much difference, maybe theres some hidden fees. I been in this 3 years something not adding up
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my Name placed on the XXXX XXXX list for Fraud by XXXX XXXX XXXX, for years I have been battling Identity theft. Each time I open an account with my information its get closed because they person that stole my information is able to get into all of my stuff, I recently had that same person hack my email so any information I get or any identity theft protection I use. the theif is able to get into my email and unblock any attempts I use to keep my stuff from being used. now that my social is all burned up I can't open any account in my name. I have been placed into Chex Systems and XXXX XXXX  because of this and I'm left fighting to get my life back after the low-life that stole my information is done ruining things for me. it is extremely upsetting because no matter how many reports or complaints I make. the Authorites just keep telling me that they don't have enough information to go on. I just want my life back, I want to open a normal bank account without having to get my checks direct deposited to XXXX XXXX which is hacked every other week. This is nerve wrecking. criminals get away with this XXXX ( excuse my Language while hard working people like myself are left trying to repair the damages. I NEED HELP, I WANT MY LIFE BACK WITH A STABLE BANK ACCOUNT.
Product: Consumer Loan

On several occasions, Home Depot ( Citibank ) was contacted because they did not apply my payments as instructed to my card account ending in XXXX. I contacted them a total of 6 times where I wanted the excess of my payments applied a promotional balance which is expiring in XX/XX/XXXX. In short, the payment was not applied that way even after escalting to several supervisors. After a lump payment of {$700.00}, i should have had a promo balance of approximately {$2.00} ( yes ... XXXX dollars ) and they consistently failed to apply the payment accordingly. After the XXXX time, I thought it best to go the CFPB route. Please do what you can to assist. 

Thank you
Product: Debt collection

I have a fee schedule Ill be suing cfpb and trans union in federal court I have exhausted all remedies I have the right to sue for XXXX XXXX each depravation of my civil rights notice of violations I will be including in the summons violation of securities exchange act and Im also going to whistleblow to the United States treasury tax inspector get them involved in my federal case violating under false claims act!!!
Product: Credit card or prepaid card

I have written and called Capital One about my Spark business credit card ending in XXXX to ask for forbearance or hardship relief. My interest rate is at 30 % and I cant afford the payments. Each time I have written or called about Covid relief I get a run around and referred to another department with no real help. I have presented a budget sheet prepared by one of the leading Consumer credit counseling programs ( XXXX XXXX ) that shows that they could not offer me a plan that would fit into their five year program. I have requested a specific program that drops the interest rate to 0 % and allows me to make debt payments within my limited budget of {$65.00} per month. The Capital One representative claims they dont have an offer for me like that. But they have offered it to other friends who have similar circumstance as I do. Capital one is charging me interested of $ XXXX month on a {$3900.00} balance where I have no chance of paying it down. Please help me and others get out of the debt trap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX XXXX reporting the account type as Open, while Experian and XXXX is reporting the account type as collection? Which one is it? Is it open, a collection account or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
XXXX XXXX and XXXX are reporting the date last active as XX/XX/XXXX and Experian is reporting it as XX/XX/XXXX. Which date is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 and or permission. 

INQUIRIES : XXXX / XXXX XXXX : XXXX / XXXX BUSINESS  TYPE : PERSONAL LOAN DATE OF INQUIRIY : XX/XX/2021 XXXX / XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Mortgage

Servicer once approved me for Loan modification and forward information over the phone on XXXX/XXXX/2016 spoke with both XXXX XXXX XXXX @ Freedom Mortgage. Few days letter, XXXX who is the point of contact told me that loan has been denied because my investor did not approve for modification. On XXXX/XXXX/2016 I received very brief mail from Freedom mortgage regarding my modification has been denied due to Insufficient Income. They are telling homeowner different answer to denied them for modification. Homeowner is XXXX Veteran currently receiving VA XXXX & VA XXXX. When we spoke with them, we requested what income underwriter used for modification review but point of contact is not able to provide the information to us at all. They sent denial letter dated XXXX/XXXX/2016 does not stated any detail information on NPV inputs and ask Homeowner to appeal the process in 14 days in writing but did not provide me where to send appeal in writing. This mortgage has been transferred from XXXX XXXX to Freedom during my modification is being review. I am XXXX Veteran and this is VA loan. I would like to keep my property.
Product: Credit reporting or other personal consumer reports

I was taken advantage of due to malpractice while your company broke several laws under FCRA. You've hurt my financial ability to attain credit. 15 U.S.C. 6805 was amended by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to give the CFPB primary responsibility for enforcing the GLBA 's consumer protection provisions for certain financial institutions. Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting 100 % correct. As you can see on the attachments I've provided for evidence none of the credit reporting agencies have all the same inquiries. The CFPB has issued guidance suggesting that CRAs should not report excessively granular payment history. This emphasizes the need for a balance between providing sufficient information for credit assessment and respecting consumer privacy. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. You Violated the United States Code Law 15 U.S.C. 1681g ( a ) ( 5 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter. No agency shall disclose any record that is contained in a system of records by any means of communication to any person, or another agency, except under a written request by, or with the prior written consent of, the individual to whom the record pertains 5 U.S.C. 552a ( b ). I did not give written or oral consent to any company to disclose any of my non-public personal information.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to address the fraudulent, inaccurate, and misleading entries on my credit report, the issue remains unresolved. The presence of these erroneous items has caused me significant distress, XXXX and hardship. I must reiterate that I am a victim of identity theft and did not authorize or consent to having this information associated with my name and credit file.
Product: Debt collection

All of a sudden in 2017 I saw a collection on my credit report from a company called Portfolio Recovery. I had no idea who they were or why as I had entered into a debt collection program ( XXXX XXXX XXXX ) that was taking care of my debts and the amount stated was not an amount I owed. I had XXXX and had to put bills on my credit card which then got to overwhelming. They claimed they sent me paperwork ( which I had never received ). I was also getting calls at all times of day and night but when I picked up noone was there, they called from different States with different numbers. I disputed the entry on my credit report numerous times ( it now states resolved, customer disagrees ). I asked them to verify the debt ( which they claim they got from US Bank, however the amount they are asking for is not in accordance with the amount owed ). And I never received sufficient paperwork according to the law to verify the debt. I also received threats I was breaking the law. 
As I never got the verification I never agreed to anything with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX : XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} TransUnion : XXXX XXXX XXXX Balance : {$550.00}
Product: Money transfer, virtual currency, or money service

I am a victim of an internet wire transfer scam. This involved XXXX XXXX, Bank of America, Alliant Title and Escrow for the closing of my house in Florida. 

I feel Alliant Title and Escrow bear the most responsibility to have prevent this from happening. The reason I say this is because the hacker/scammer use the office manager look alike logo to intercept the closing. The manager was sending out emails with my information with incorrect property address. She doesn't verify any of the email she sent out and I find few emails afterward that was sent to me and in spam box with wrong address information and confidential documents without passcode. 

XX/XX/2022 Scammer initiated email on closing wire instruction. ( loan officer was cc on email and didnt catch it ). 

XX/XX/2022 I went to XXXX XXXX  and XXXX  officer and I were on the phone with Alliant title with wire instruction. Title office manager failed to verify the correct information. A wire transfer was drafted. 

XX/XX/2022 I went to XXXX with the drafted wire and wire instruction. A copy of wire instruction was not included in closing package ( mobile notary ) in the morning. An email was sent to title company that a wire was sent. Title company manager ( main contact ) email back stating wire takes some time and its normal they dont get money right away. I realized this is not true from the bank. Wire transfer are instant. 

XX/XX/2022 Alliant Title and Escrow office manager email out asking where the XXXX exchange company and I wire the money for closing. As it turns out, XXXX exchange company wired the money to the 1st title company. She never updated the XXXX exchange company the new wire information or never verify of wire instruction she email out. 
XX/XX/2022 I request my bank, XXXX to do a SWIFT recall on the wire transfer against Bank of America. The fraud account is a domestic account. 
XX/XX/2022 File OCC and FBI-IC3 online for internet wire transfer scam/fraud. 

I have filed a case with XXXX XXXX  on XX/XX/2022 and IC3 report on XX/XX/2022. I also filed a complain with OCC but case was closed by them. 

Its already 90 days and no resolution yet. XXXX XXXX  say Bank of America didnt not deny or respond to recall of fund.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number: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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

I am currently a resident of Arizona and I am visiting family, XXXX XXXX XXXX XXXX XXXX On or about XX/XX/XXXX I have been unable to access my online banking and have been locked out. I contacted Wells Fargo and was sent a verification method by a representative before the verification was complete the representative disconnected the call. I attempted to access my online banking and was still locked out I called back and was told by another representative that they could only send the verification one time and if the call was disconnected before they could verify it was complete my only recourse was to go to a branch in person. This is not an option as there are no physical Wells Fargo branches in XXXX The closest branch is located 5 hours away in XXXX Illinois. I have attempted to contact Wells Fargo several times to see if there was an affiliate bank I could go to in Ohio. No, this was not an option I needed to have a Wells Fargo banker verify my identity in person. I have been unable to deposit mobile checks or transfer money into my account. Because of this I have been unable to manage my account and have incurred XXXX XXXX XXXX  fees accessed to my account. I recently got into an accident and my vehicle is currently in a body shop for repairs. I can not deposit the insurance check or transfer money to pay the deductible. I am effectively stranded without my vehicle or the ability to pay for the repairs. I have not been able to deposit money to pay my bills and am completely stranded XXXX XXXX XXXX XXXX XXXX. I am unable to work without my vehicle and can't transfer money or deposit my insurance check to cover the repairs to my vehicle. This is absolutely unacceptable. I have contacted several representatives several departments and all have told me that the situation is indeed a terrible one but they refuse to unlock my account. I have called a branch in XXXX and spoke to a very understanding banker named XXXX who told me he was very sorry for the situation however he was unable to verify to Wells Fargo online technicians with out my physical presence. There has to be a way for me to access my account via video or something. Because Wells Fargo is unable to do business in XXXX  I can't work, pay my repairs to get my vehicle and have incurred over XXXXXXXX XXXX XXXX XXXX I am unable to pay my bills, my auto insurance payment or my vehicle payment. This simply is unacceptable I need access to my account and it's not my fault they are no longer welcome to do business as a financial institution in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX, XXXX, and LexisNexis to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reference XXXX : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX