23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Two Automatic Clearing House ( ACH ) transactions in the amount of + {$20.00} and + {$370.00} were debited from XXXX and transferred to XXXX XXXX  XXXX  on XX/XX/XXXX and XX/XX/XXXX respectively. 

On XX/XX/XXXX, XXXX XXXX XXXX returned the funds to the originator. Although, the funds were debited from XXXX account, the originating source of the ACH transfer was actually Bank of America ( refer to attached CFPB complaint response from XXXX XXXX XXXX on XX/XX/XXXX, which include detailed return trace IDs ). 

Contacted Customer Service at Bank of America via phone several times since XX/XX/XXXX. Transferred to various departments, however, without resolution to this matter or ability to " open an internal claim '' to reclaim the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some items. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These Accounts below are reporting late payments and that is inaccurate and that also is a violation. Late payments are illegal 15 USC 1666B States Timing of payments. 
XXXX XXXX Opened : XX/XX/XXXX Account # XXXX {$420.00} 2 Late Payments inaccurate please remove. illigel report. 
Violation XXXX. XXXX XXXX Opened : XX/XX/XXXX Account # XXXX  {$8000.00} Please Remove these late payments there's 90 days late and that is inaccurate. illegal 15 USC 1666B States Timing of payments. 
Violation XXXX XXXX XXXX Opened XX/XX/XXXX Account XXXX XXXX Please Remove these late payments there's 90 days late and that is inaccurate. illegal 15 USC 1666B States Timing of payments. 
Violation 15 U.S. Code 1605 - Determination of Charge 4. XXXX XXXX XX/XX/XXXX Account # XXXX Unauthorized account/ I have no knowledge of this account. Please remove it from the credit report. 
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. 
Violation XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX Please remove this immediately USC 1666B States Timing of payments.

15 U.S. Code 1605 - Determination of Charge Violation XXXX XXXX  opened XX/XX/XXXX {$3800.00} Opened XX/XX/XXXX {$2000.00} Account # 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.

USC 1666B States Timing of payments.

15 U.S. Code 1605 - Determination of Charge Violation XXXX XXXX  XXXX XXXX Duplicate account ( Double jeopardy ) Account # XXXX Opened XX/XX/XXXX {$1700.00} 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.

USC 1666B States Timing of payments.

15 U.S. Code 1605 - Determination of Charge Violation
Product: Credit card

Today, XXXX XXXX, I was contacted by Citibank in connection with my new credit account with Best Buy. Citibank representative notified me that the payment on my account was delinquent. I explained that I had performed a payment on XXXX/XXXX/16 before the required payment date of XXXX/XXXX/16. She explained me that this payment corresponded to the cycle of XX/XX/XXXX. I explained that this is a new account and that I had only received XXXX statement dated XXXX/XXXX/16 and performed one payment before the corresponding due date of XXXX/XXXX/16. Citibank did not credited on its XXXX/XXXX/16 statement the payment that I had made on that same date, even though as per Citibank representative the cycle was still open and the payment belong to this cycle. Therefore, I was expecting Citibank to credit the payment on the cycle corresponding to XX/XX/XXXX. However, as per explained today by Citibank representative, the payment was credited to XX/XX/XXXX cycle ( even though it was not included as such on the statement ) and the payment corresponding to XX/XX/XXXX is allegedly delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile.I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hope that these accounts ' Late payments will be removed. 
XXXX XXXX XXXX Balance : {$310.00}, XXXX XXXX XXXX Balance : {$5700.00}
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection show up on my credit reports that I was unaware of. I contacted the original creditor XXXX XXXX XXXX, paid the amount owed, but disputed the amount at the same. They took payment, and opened an investigation into the matter. I disputed the collection with all 3 bureaus as not valid. The account was removed from both XXXX and XXXX. The original creditor found in it's investigation that I was not liable for the {$59.00} and refunded to me. They also said they would contact the collection agency ( Credit Management ). I disputed again with XXXX  as the original dispute did not remove the account, and still showed it as unpaid. I included a copy of the account statement showing a credit balance. The result of this dispute changed the status to PAID. It must be removed now as the original creditor found the collection to be invalid.
Product: Checking or savings account

Dispute Request for Unauthorized Transaction on XXXXWells Fargo Dear CFPB, I am writing to report an unauthorized transaction on my XXXX account that occurred on XX/XX/2024. I have been scammed out of {$1000.00} through a fraudulent transaction on XXXX. 

On XX/XX/2024, my friend from college and military training posted a message on XXXX claiming to sell a car. After communicating with the user stating family members would like to purchase the vehicle and agreed to buy the product for {$6000.00} and made {$1000.00} security payment/deposit through XXXX ( using welsfargo mobile app/checking account ). However, I never received the product, and the user has since disappeared from XXXX. 

I believe that I have been a victim of fraud and request your assistance in disputing this transaction and recovering the funds. I have already contacted my bank and filed a report with them, they are not even willing to investigate the issue. However, I am reaching out to CFPB directly to expedite the resolution process. 

I have called multiple times to speak with Well Fargo fraud management such as representative XXXX and XXXX, but their are not even willing to investigate further the case nor care about such fraudulent claims. XXXX XXXX stated during my complaint follow up call on XX/XX/2024, the money recipient has XXXX  XXXX XXXX account and utilized that bank to receive the money. My complaint is we live in this great nation where laws are in order and why Banks conduct such transactions when fraudulent individuals use their services to steal hard earned citizens money. I have attached the transaction details and any relevant information that may assist in investigating this matter including police report /case number. I urge you to take immediate action to investigate this fraudulent transaction and help me recover the funds. 

Please contact me at your earliest convenience to provide further assistance in resolving this issue. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your cooperation. 

Sincerely,
Product: Credit card or prepaid card

I had XXXX 's membership card for one year. At the time, I joined XXXX 's memebership I was told to open a XXXX 's XXXX. I never used the XXXX 's XXXX to purchase anything. After one year of membership, I choose not to renew my XXXX 's membership. But the membership fee was charged to the XXXX 's XXXX automatically without my permission in the XXXX XXXX statement. So I called customer service number printed on the back of the credit card statement which is XXXX.My XXXX 's XXXX number is XXXX XXXX XXXX XXXX and the credit card is run by XXXX XXXX. I was told by customer service not to worry about the fee and the fee will be credited back to my account. After one month, I received another statement asking me to pay not only the original membership fee but also late fee and interests on top of it. So I called Customer Service number again. This time I was told to contact XXXX 's store directly to request a refund of my membership. So I called XXXX 's store to request the refund. XXXX 's XXXX agreed to refund membership and told me to wait. One month later, I got a third statement with more late fees, and interests. So I called XXXX 's XXXX again, I was told they will issue a provisional credit. Next month, a provisonal credit of {$72.00} provisional credit was issued and I thought the issue was resolved. 
However, to my surprise, one month later I received a statement from XXXX XXXXk rerversing the provisional credit and charging me again the {$72.00} balance. So I called XXXX XXXX again requesting that the {$72.00} be reversed and my credit card account closed. The customer service said they will take care of it. But one month later, I still get the bill for the balance of {$72.00}. In short, XXXX XXXX is engaging in unfair and deceptive act and pratices to default consumers. I 'm sure I 'm not the only one. There must be many others. Please help me to get the charges reversed and my account closed. My cell number is XXXX and can be reached anytime. By the way, I never used the XXXX 's membership after my membership expired and I called XXXX XXXX more than 10 times. I was always told I can dispute the charges even thought there is nothing to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a previous complainti stated I wanted the XXXX XXXX XXXX to be removed due to this being a fraudulent account. I submitted a credit report. The bearus accepted from the bearus " verified as accurate '' I'm asking this be removed immediately under the Fair Credit Reporting Act. I'm including license and social security to verify my identity
Product: Mortgage

Shellpoint Mortgages gave me Covid forbearance for a period of 18 months. All along there was the promise of options to resolve the situation, things like loan modification, deferment, etc. 

My wife XXXX  XXXX in the very early stages, XX/XX/XXXX, and ended up being a XXXX XXXX XXXX XXXX, XXXX for a very long time. Shellpoint continued to offer forbearance. 

It was even at XXXX point an automated call saying that all I need to to extent my forbearance was press XXXX on my phone keypad. I did so. 

At the end of XX/XX/XXXX Shellpoint said that I needed to make a payment on XX/XX/XXXX to restart my loan. I called on XX/XX/XXXX and the person I spoke with said I could not make a payment, that they were assessing my account. 

Then I was told that since my loan had been modified just before the forbearance started, I was not eligible for any of the available options. I asked why I was not told this at the time, and was told by the person I spoke with that this information only became available at the end of the forbearance. 

Basically, the forbearance was not available to me without the need to bring ALL payments current at the end of it. 

I was, in my opinion, completely misled as to what was available to me, and now find myself with {$40000.00} in arrears on my mortgage, with foreclosure looming. 

The CARES Act was supposed to protect from demands for all back payments to be made. Why is it not effectively protecting me now? 

I have young children, and we are in a lot of emotional pain right now. I can't lose their home.
Product: Student loan

I was denied loan foregiveness even though I have been XXXX   for 25 years as a public servent, as Navient directed my loan into an account which is not recognized as being able to be given loan foregiveness.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1993 SS # : XXXX Dear Consumer Financial Protection Bureau, I am writing to bring a serious matter to your attention regarding inaccurate and unverified accounts on my credit report, which are causing me considerable distress and financial hardship. I believe these accounts are in violation of key provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 607, 611, and 623. 

The accounts in question are as follows : XXXX XXXX : Account Number : XXXX Violations : Violation of Section 611 - Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ) : Despite multiple attempts to clarify the account information with XXXX XXXX, I have not received any satisfactory response or clarification regarding the account 's name and number. This lack of proper verification and transparency on their part violates my rights under the FCRA. 
Violation of Section 623 - Responsibilities of furnishers of information ( 15 U.S.C. 1681s-2 ) : XXXX XXXX has failed to provide accurate and verifiable information to the credit reporting agency, thereby misleading those assessing my creditworthiness. 
XXXX XXXX : Account Number : XXXX Violations : Violation of Section 607 - Compliance procedures ( 15 U.S.C. 1681e ) : The credit reporting agency has failed to establish reasonable procedures to ensure the accuracy of the information they maintain. This lack of oversight has resulted in the inclusion of an unverified account, which I am unable to recognize. 
Violation of Section 611 - Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ) : Despite my efforts, neither XXXX XXXX nor the credit reporting agency have provided sufficient evidence that this account belongs to me. This inability to verify ownership is causing severe distress and anxiety. 
These inaccuracies have significantly impacted my life. As a result of these unverified accounts, I have been denied essential financial opportunities, including securing a mortgage for my family 's home. This emotional turmoil and financial setback have put immense strain on my personal and professional life, affecting my overall well-being. 

I implore you to take immediate action to enforce the relevant legal provisions of the FCRA. I kindly request that the Consumer Financial Protection Bureau intervene on my behalf to ensure the prompt removal of these inaccurate and unverified accounts from my credit report. This correction is not only a matter of financial justice but also a vital step toward alleviating the emotional toll these errors have taken on my life. 

Thank you for your attention to this matter. I eagerly await your response and resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

What Compliant? 
XX/XX/2018 - XX/XX/2018 Statement Submission Form ( s ) * What type of Problem? 
Refusal from the XXXX XXXX XXXX XXXX Mailing ' to enter-In ' Statements of Residency, And Correct Residency Dates. 
What Happened? 
( 45 ) Day Stalling tactics to enter-In ' the Statement Submission Forms.

What Company? 
LexisNexis ( R ) Who is Involved? 
LexisNexis ( R ) potentially ; XXXX and Subsidery Companies, Work Number, Credit Bureaus and Allegencies and Alliants, Credit Reporting Agencies, Courts, Banks, Law Enforcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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: Debt collection

XXXX / XXXX / XXXX  We purchased a product called  XXXX  off a direct marketing infomercial. On  XXXX / XXXX / XXXX  they claimed it was for  XXXX  with 100 % money back guaranty. So we ordered it it wa s a 4 week  supply. We tried it  for two weeks.  It made my wife  XXXX .   We called the company they told us they was not going to honor the guaranty. So I called my credit card customer service. Advised me to dispute the charge. So they can correspond with the merchant foe me .so I did do so. The credit card company sent the merchant numerous requests to correct the issue they didnt respond to the credit card company request during the required time allowed. I received a response from the credit card company that they had made a ruling in this dispute case. And refunded my account from this merchant. They advised me that this issue was solved.  <P/> Now I have received letter from transworld system inc collections on  XXXX / XXXX / XXXX  at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Pa  XXXX  contact #  XXXX .   Requesting me to respond within 30 days. I tried to call the contact # and get a recording that this phone # is out of service Can pleas assist me in this matter  XXXX  and  XXXX   XXXX   XXXX  cell  XXXX
Product: Credit card

XX/XX/year> it was a bill for me in the amount of XXXX I have no reconigtion of this account. When i call the collection third party agency who subpoena me .. tells me they have a different social security number and previous address where I never reside .. when the card was originally opened .. this card is not reporting on any credit reports because it was used under a different social security number. The city of XXXX  XXXX delivered me a summons. It which i have 28 days to dispute. I am not getting anywhere with the creditor and or the collection agency
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 Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account nameXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

This organization is very abusive and is a compulsive liar. Firstpoint Resources or Firstpoint Collection Resources has promised to delete this item when I paid this debt in XX/XX/XXXX and they never deleted this item. They promised again in XX/XX/XXXX when I completed a complaint with the Consumer Financial Protection Bureau. They were not being truthful when they informed the Consumer Financial Protection Bureau and myself that they sent a letter for deletion to XXXX on XX/XX/XXXX. Today marks XX/XX/XXXX and this item is still showing up on my credit report hindering me from receiving the financial services that are needed for my family and I during this pandemic. This a disservice not only to myself but to my family and many of the consumers that trying to survive in this pandemic. It is imperative that we bring awareness to these organizations that lack compassion for consumers. Consumers are facing several issues trying to survive during this pandemic and this organization is doing absolutely nothing to assist these consumers or showing any form of sympathy. 

Per my previous complaint. 

I want to start off by saying I was considering looking for a mortgage. When my lender looked up my information, he thought it was odd that I opened an account in XX/XX/XXXX, but the " creditor '' reported it delinquent in XXXX of XXXX. I thought it was weird as well because how can someone open an account in XXXX but is deemed delinquent in XXXX. So, I reached out to the company and the staff was so rude. So, I ended up paying the {$220.00} and {$52.00} debt that they said I owed with the intent that they would delete the item on my report which they never did. Once I noticed almost 2 months later, I called back and they said they will not remove it but will update the status to " paid in full ''. The representative I spoke with in XXXX said it was my first offense with the company and they would delete it, but the second representative was extremely rude about it. Even when I informed her that I moved and never received any notifications or calls. I even emailed the manager that sent me a receipt and still to this day, I haven't received an answer from him. At this point I feel taken advantage of because of the rudeness and lack of compassion from " Firstpoint Resources '' or " Firstpoint Collection Resources ''.