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

XXXX XXXX  ruined my credit by reporting me to a XXXX XXXX   agency falsely stating that I was Transacting ( or attempting ) to transact ) with an account in an unauthorized or prohibited manner. XXXX took a verbal statement from my disgruntle ex-husband as a fact and reported me to the credit agency without verifying or giving me the opportunity to defend the allegation. After 6 letters I have sent to XXXX XXXX they can not explain logically why XXXX  did it but they did it but they refuse to remove the false statement from my credit records. This has caused that I can't get any credit with any agency as well as any bank. My Checking and Savings accounts were closed due to XXXX XXXX   actions. XXXX  has clearly committed defamation against my name and therefore against my credit which caused me tremendous financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

i look at my credit report and say that it had reported my payments as late, i never opened the account
Product: Credit reporting or other personal consumer reports

TRANSUNION was sent information that I was a victim of identity theft and fraud and that a number of attempts to open accounts in my name were being attempted. I submitted all documentation including FTC report, police reports and other documents. TRANSUNION responded by removing over 40+ inquiries. Unfortunately, these inquiries, along with new inquiries have been placed on my report. These inquiries, all of them, are NOT MINE and should therefore be removed especially when inquiries from these same companies have already been removed in the past for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations OCC Assesses {$60.00} XXXX Penalty Against XXXX XXXX, Orders Bank to Reimburse Consumers for Unfair Billing Practices Leading Debt Collector Agrees to Pay Record {$2.00} XXXX to Settle FTC Charges XX/XX/2011 FOR RELEASE A leading debt collection company has agreed to pay a civil penalty of {$2.00} XXXX to settle Federal Trade Commission charges that its aggressive collection techniques violated federal law. As part of its efforts to protect consumers affected by the struggling economy, the FTC alleged that XXXX XXXX XXXX, XXXX violated the FTC Act and Fair Debt Collection Practices Act. 
XXXX XXXX {$910.00} XXXX  XXXX {$130.00} XXXX XXXX   XXXX XXXX late flexible spending card XXXX {$210.00} XXXX XXXX XXXX   {$540.00} XXXX XXXX {$510.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$340.00} XXXX Inquiries : XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

In CFPB complaint # XXXX, submitted on XX/XX/year>, I specifically requested that you provide proof of your license to collect the alleged debt in the state of Texas. Additionally, I asked for documentation showing the correspondence sent to me at the time of the sale of this alleged debt, so I could verify whether I was properly notified of the transfer to a third party, as required by law. To date, you have failed to provide this information. Upon further investigation, I have discovered that your reporting of this collection account is in direct violation of FCRA and FDCPA regulations. You are inaccurately reporting the account as 120 days late, even though collection accounts can not be marked as late, and you are reporting payment history, which can not be reflected for collection accounts. Furthermore, the open dates, date last active, and other account details are inconsistent and contradictory. These are clear violations of federal regulations, and under the FCRA, I am entitled to accurate and complete reporting. I am also legally entitled to damages of up to {$1000.00} per violation. I am demanding the immediate removal of this account from my credit report within 14 days due to your misleading and inaccurate reporting, as well as your failure to provide the information I previously requested. As a consumer, I have the right to accurate reporting and transparency, and your failure to comply with these requirements is unacceptable.
Product: Debt collection

Hello, Synchrony bank is once again calling my phone an obscene amount and leaving voicemails nonstop. I get anywhere from 15-20 calls from them a day, as well as voicemails. I have recently missed phone calls for job interviews/call backs because my voicemail box reaches its limit without me even knowing because of their obsessive and relentless calling. I had 197 voicemails in my inbox again today. Almost all from them- the moment I block one number they call from another.
Product: Student loan

I cosigned this loan for my son several years ago. At the time of the loan I was told that if consistent on-time payments were made over a two year period I could have my name removed from the loan. For the past XXXX years consistent on-time automatic payments have been made but Navient refuses to remove me from the loan, due to an unrelated account my son has that is delinquent.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

My cell phone number was stolen, which led to the theft of my bank information and the transfer of large amounts of money to other accounts without my authorization on XX/XX/year> XXXX when I am sleeping. I tried to contact wells frago bank as soon as possible on XX/XX/year> in the morning, but it was never resolved. When I contacted the bank, all the money was pending and if frozen in time it could have been prevented from being transferred. Now I can't log in to my bank account and the money was transferred without any problem. This has caused me serious damage and I have tried many times to stop the money from being transferred.
Product: Credit reporting or other personal consumer reports

I tried 4 times to get the information on credit report corrected. I have sent certified mail and it was returned to me. I have sent copies of the XXXX account that was paid in full when I sold my house and it is still showing over $ XXXX.balance and charged off. There was an discrepancy with XXXXXX/XX/XXXX during the pandemic and they closed the account before I could get things straighten out. They were closing a lot of my accounts like XXXX and other company 's. The XXXX XXXX also didn't acknowledge there was a few transactions in question and they just closed the account without investigation. If I owe I have always paid my bills. XXXX and XXXXXX/XX/XXXX said the account were charged off but have not received anything to prove it or file on my taxes.
Product: Money transfer, virtual currency, or money service

I had trouble accessing, sending and receiving funds on cash app. I tried to contact cashapp to let them know about the problem but could not get a live person on the phone to help me!!! This cause unmeasurably frustration and a loss of time and money. I was in a secluded area and my car had broken down. Someone was trying to send me money for a tow truck. I had to wait hours for someone to come. If I had access to the funds someone was sending me, all wouldve been well.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Inquiries : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XXXX XXXX to XX/XX/2023 I was charged XXXX dollars on my master card, I did not make purchase, I live in XXXX purchase was made in XXXX. I called company they said they would investigate, they did not, I recieved letter that I was responsible. This made me so angry, I cancelled card. 
I realalize I should not have cancelled card, they sent me a new card, which I don't intend to use. I have had good credit and paid bill on time, never late, I do not appreciate being treated this way. XXXX dollars may not be much to others, but I am on a fixed income, that money can be used for other things. 
I hope you can help me, and don't want this to happen to anyone else.
Product: Credit reporting or other personal consumer reports

In late XXXX or early XXXX, my student loans transferred from one loan servicer - Nelnet, to a new loan servicer - XXXX. However, after many disputes with credit bureau, XXXX, multiple calls to Nelnet, as well as XXXX and Dept of Education, my student loans are still showing open with a balance with Nelnet, which is incorrect. Both XXXX and XXXX are correctly reporting on my Nelnet accounts as " closed, transferred to another servicer '', but XXXX is having trouble confirming this with Nelnet. Due to this issue my student loan balance on my XXXX report is reflecting {$150000.00}, when the correct amount is only {$80000.00} in which I am currently making payment on. 

I've submitted disputes with XXXX, per Nelnet 's direction on the following dates, all resulting in the same result of the loans still showing open with balances : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - provided very detailed information, including a loan summary from my Nelnet account, showing a {$0.00} balance. 

As I already briefly mentioned, since late XXXX I have made countless calls to Nelnet, XXXX, Department of Education, and XXXX to try and resolve this issue. This is causing a hinderance in purchasing a home for my family.
Product: Mortgage

MY LOAN WAS SOLD BY XXXX TO XXXX THAT IN TURN SOLD IT TO BSI FINANCIAL SERVICES ( ADD. IS XXXX XXXX XXXX TX. ) I BELIEVE XX/XX/2016. SINCE THIS COMPANY TOOK OVER I HAVE NOT HAD A MOMENT PEACE. I HAVE NOT FALTERED ON MY PAYMENT, BUT IT SEEMS THAT MY FUNDS ARE EITHER PLACED IN GHOSTS ACCOUNTS THEREBY LEADING TO BARAGE OF CALLS FROM THEIR REPS. I USUALLY DO NOT GET EXPLANATORY STATEMENTS LIKE MY FORMER COMPANIES, I ALWAYS HAVE TO CALL THEM EVERY MONTH TO FIND OUT ABOUT MY STATEMENT. DEPENDING ON WHOM YOU SPEAK WITH ON THEIR PHONE, YOU MAY GET DIFFERENT ANSWERS RANGING FROM " WE HAVE NOT RECIEVED YOUR PAYMENT FROM LAST MONTH ETC, AFTER MANY ARGUMENTS WITH THEM, MY SENT PAYMENT MAGICALLY APPEARS. THEY WILL PROCEED TO SEND ME ANOTHER BILL DOUBLING THE AMOUNT THAT I SUPPOSEDLY OWES. I WAS INSTRUCTED TO PAY A DIFFERENT AMOUNT FOR XX/XX/XXXX WHICH I SENT OVER WHAT WAS ASKED. MY XX/XX/XXXX PAYMENT WAS MADE ON TIME, BUT I AM STILL GETTING STATEMENTS FOR XX/XX/XXXX. ONE OF THE WORKERS BY THE NAME OF XXXX STATED MY ESCROW CHANGED AFTER MY PAYMENT WAS MADE AND THEY WERENT AWARE OF IT. NOW THIS IS VERY STRANGE TO ME. I SUSPECT SOMETHING IS DEFINITELY NOT RIGHT WITH THIS COMPANY.
Product: Vehicle loan or lease

Recently I leased a XXXX  XXXX XXXX XXXX XXXX and was told that I would be able to get authorization/permission letter to take the vehicle to XXXX where I am also a resident. I was told this would happen after the lease is originated and account is opened. That is not the case however the company Stellantis Financial has no written policy on XXXX permission after further guidance from customer service. I had counsel send a letter and SFS counsel is responding now. After further review with dealerships in over 10 states they all told me I could take the vehicle to XXXX without an issue. After further investigation I also found out that SFS is able and offering incentive to those that live in XXXX providing better terms to non-white and non-US Citizen borrowers at better terms than they do to the same well qualified borrower who is a US Citizen creating a multi-state fraud scheme to meet guidelines of CRA or other requirements. The company has legal counsel involved now who is trying to stop me from complaining and continuing to let the public or agency 's know about the fraud scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX The Company Macys was Contacted in Question to a hard inquiry I summited information by fax and the company never responded to the Inquire XX/XX/2018 2018
Product: Debt collection

i do n't know who these people even are i 've never had a credit anything company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  I filed an complaint about ad astra about information on my credit report that is not mine. The company responded and claimed they called me numerous times and sen t out 11 lett ers attempting to collect a debt. I never received any type of information from the company and they claimed to have sent a letter with the information and documents from the original creditor. They provided a tracking number. I checked the trackin g on 5-12 thinking I should have received some type of information in the mail after 10 days. Turns o ut the tracking number provided stated the letter was undeliverable. I filed disputes with the credit bureaus on fraudulent addresses that were listed on my credit report and the credit bureaus deleted the  XXXX  false addresses that I never lived at. I 'm not sure what address and phone number ad astra has on file of the alleged collection but none of the information is valid. I went ahead with the advice from the last complaint and filed an Id theft with the FTC.
Product: Money transfer, virtual currency, or money service

My husband and I are going through a separation. Part of that requires us to end our joint life insurance policy. My husband took a cash surrender of the policy and that automatically transferred half of the cash to my Bank of America account. I need to transfer a portion of it to him as part of our agreement. We are both Bank of America customers but have always kept our accounts separate. I set up a domestic wire transfer ( only obvious option ) from my account to his and made a successful " test '' transfer on the XXXX of XX/XX/year> for {$1000.00} and a fee of {$30.00} for the transaction. I then tried to transfer the remaining amount of {$30000.00} which failed. Apparently BofA 's own fraud department blocked the transfer. I called Bank of America 's fraud department twice yesterday during their business hours. The first time I was disconnected after holding for 20 mins. I then called back and after waiting for well over an hour, a recording advised me they couldn't take my call at this time and disconnected me at XXXX. I called again this morning and was on hold for 15 mins ( they said it would be 4-6 mins ) and then a recording came on again to say they could not take my call at this time and disconnected me again!!! Whilst I will stretch it enough to say, ok I can understand BofA wanting to protect me ( themselves actually ) but then to not give us a reasonable and expeditious way to resolve this challenge they created is ridiculous! HOW am I supposed to resolve this and free up my own money when they obviously do not have enough people to manage the calls. Not to mention the amount of time during my own working hours that I have to waste to resolve this only for them to keep hanging up on me. They should be heavily fined for blocking access to my own money!
Product: Checking or savings account

I have two complaints against Wells Fargo Bank The first complaint is that I have a credit card account linked to my checking account with Wells Fargo with which Wells Fargo has an agreement with me to advance any amounts that are presented to my checking account from my credit card. From XX/XX/XXXX to XX/XX/XXXX Wells Fargo added {$170.00} in overdraft fees to my personal checking account When we having agreement any overdrafts are to be covered by my credit card account. 
And speaking to an escalation 's agent at Wells Fargo I was told that my credit card account no longer overdraft protection linked with my checking account I received zero notification and zero funds return to my account in Lieu of the the checking shortages. Was also told by the agent I never had overdraft protection linked to my credit card account, this is not accurate. 
Wells Fargo Bank did in fact provide overdraft protection from my credit card link to my checking account on XX/XX/2018 for {$270.00}. also on XX/XX/2018 Wells Fargo advanced {$25.00} from my credit card account to cover a shortage. Still Wells Fargo has refused to refund the overdraft fees of {$170.00} erroneously posted to my checking account despite the historical fact they have provided that as agreed for my credit card. 
Also Wells Fargo Bank deliberately posted a credit card payment from my checking account knowing there was {$0.00} in it advanced it against the credit card and still charged me a {$35.00} overdraft fee
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX Date opened XX/XX/XXXX ( Late Payment ) XXXX XXXX XXXX Balance XXXX Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX/ Balance {$3800.00} Balance updated XX/XX/XXXX Original balance {$8100.00} Account info Account number XXXX Open/closed Closed XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$720.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$720.00} Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Experian and XXXX are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$6.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5000.00} XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) Experian and XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Dear CFPB, I am a customer with TJX Reward card. Last month I pain my balance in full. In XXXX statement TJXReward card sent me a statement where they charged {$6.00} interest rate while my next billing due date is XX/XX/XXXX. 

In the statement TJX claimed that the subject to interest was {$260.00} which I do n't know how was calculated since my last statement purchased were only {$93.00}. 

I respectfully request TJX reward card remove this interest from my account. 

Worth to mention, this is not a first time when a credit card try to bill interest on fully paid balances, which I suggest you to investigate. 

As well as the legitimacy of TJX rewards card interest rate of 27.99 %. In Illinois usury rate is set at 9 % Thank you in advance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX charge me for ending my lease early. Date move in was XX/XX/XXXX XX/XX/XXXX I gave my 30 days notice on XX/XX/XXXX. My expires date was XX/XX/XXXX. I left on a emergency situation. Property Manager kept my security deposit and charge me {$820.00} and put my name on, XXXX XXXX XXXX XXXX. I have made payment and ask for a letter. I have been getting the play voice over the phone for one year. Every time I apply for an apartment I get turn down I am on subsidized housing and my credit score shouldn't have anything to do with my past.