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

i have a problem with wells fargo. on XX/XX/XXXX i have noted that there was two unauthorized charges in my business account ( {$5200.00} and {$1300.00} ) the description says " BUSINESS TO BUSINESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( i have one account for my business ) so i called them on XX/XX/XXXX to put a complain to the bank. On XX/XX/XXXX i received a letter from the bank and says that they are not able to reimburse the money because too much time passed before i notified the bank. i went personally to the bank for help at least three times and the last time they told me that they can't help me and the claim was closed. 
* i noted that the amount of the unauthorized transactions match with two checks deposited by me in my business account on XX/XX/XXXX so i asked the person who gived me the checks and says that the money gone out of him account on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report. After reviewing my credit report, I have noticed several inaccuracies that I would like to address. 

Firstly, the account number XXXX with XXXX has been reported as late payment, but to the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. I request that you update this account and delete the inaccurate information immediately. 

Secondly, the account number XXXX  with XXXX XXXXXXXX XXXX is questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

Lastly, the account number XXXX with XXXXXXXX XXXX is also questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

I hope that you will investigate these items and take appropriate action to rectify the inaccuracies. Please inform me of any updates or progress made in this matter. Thank you for your attention to this issue. 

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

I just received my credit report last week and to my surprise there is inaccuracy regarding an already submitted tender of payment to Barclay Card services. I have the receipts and signature card from the post office that they had received it and it appears that I had an adverse action taken against me and the card was closed for usage but I have been getting phone calls from unknown solicitors asking for my name using a digital voice recording and it is harassing me for something that should have been taken care of long ago. 

I have the remittance receipt, XXXX post office postal card and the certified mail receipt that it was send. XXXX XXXX XXXX XXXX XXXX. 

There are certain banking rules and procedures set in place and I believe that the negative adverse reporting which is damaging to me is in violation of my privacy based on me not being asked to opt out of third party reporting. 

Thank you. 
XXXXXXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

A consumer fail to protect my privacy information as they promise A consumer fail reporting negative information A consumer fail bankruptcy
Product: Credit reporting or other personal consumer reports

I'm reaching out because Experian, XXXX and XXXX is helping XXXX XXXX XXXX put incorrect information on my credit report related to the account below : XXXX XXXX XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on report isn't accurate! 
By IRS rules, any canceled debt or charge off is classified as income. Reporting this as debt is incorrect. 
According to 15 USC1681 s-2, XXXX XXXX XXXX XXXX as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info.

**15USC 1681s-2 ( a ) ( 1 ) ( A ) ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, the specific information is inaccurate and ; the information is, in fact, inaccurate. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA a charge off account must be reported with a XXXX dollar balance. There is a charge of account reporting in accurately on my credit report. I have tried to get this matter taken care of directly with the organization.
Product: Mortgage

Came to make myonthly mortgage payment to wells fargo bank. As I get to the counter and give my information to the bank teller, bank teller is unable to find my informaion and tells me that she sees my account but can not access it. She then tells me that my loan has been sold although it does not show to whom. I have not received notification over the nail about this change. I dont want to be late on my payment and dont want late charges. Please advice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote TransUnion on XX/XX/2021. I sent my disputes certified mail. This company have no responded in the past 30 days.
Product: Payday loan, title loan, or personal loan

On or around XX/XX/2022, I entered into a consumer credit transaction with Star One Credit Union. I was trying to purchase a car for my family. On or around XX/XX/2022 I received a letter from Star One Credit Union, deny an extension of my credit. 
As you may be aware, its against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 USC 1691 ( c ) and you assume civil liability pursuant 15 USC 1691 ( k ) Star One Credit union has violated my federally protected consumer rights as well as caused emotional damage and injured my family and myself with their actions.

15 USC 1642 15 USC 1681N 12 CFR 1002 Since the letter you sent me dated XX/XX/2022 is both proof and evidence that I have been discriminated against, you are also criminally liable. Star One Credit Union should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Let it be known that I am ready to litigate in this matter for discrimination against my good faith in exercising my rights if your actions are not equitable. 

The transaction was {$12000.00}
Product: Bank account or service

I have had ongoing issues with Chase Bank ( Credit Card Services ) and because of all the problems I have been experiencing I escalated several complaints to Chase 's Corporate Department and have spoken to various representatives. The problems were pertaining to their dispute department with the uneducated and sometimes nasty agents I had to speak with as well as Chase 's Customer Service Department. I have to call several times to try to get a representative that can assist me and many times have to ask for a supervisor to assist me properly. Most recently on Friday, XX/XX/2017 I had requested to speak to a supervisor about a purchase of a cell phone case that I should have received that day but did n't. I explained the situation to her and she said she was crediting my account immediately for {$5.00}. Tonight, ( XX/XX/2017 ) when I checked my account on line, I did not see the credit ; therefore, I called Chase 's Customer Service Department to question the status of the credit. I was told by XXXX, the agent I spoke to that no credit was applied to my account and that the supervisor 's notes did n't mention the credit. XXXX was also referring to accounts that I am not aware of and also had the incorrect phone number for which I had updated the new number many times. I was not satisfied with the agent 's handling of the call so I then asked to speak to a supervisor and was connected to XXXX who tried to assist me but unfortunately XXXX XXXX said their systems were down and he could take my complaint but could n't provide me any account information because of the system update. I questioned as to why XXXX a few minutes prior was able to give me information, albeit not all accurate. He said he should n't have given me any information because when the systems are updating the information may not be correct. So, once again, I am going through this vicious cycle with Chase. I did ask XXXX, the supervisor, to please listen to the recorded call that I had with the prior supervisor who verified several times that she was immediately going to issue a {$5.00} credit to my account because I feel the supervisor misrepresented me about the credit. 
At this time, I have more than adequately provided Chase with any updated personal information that is needed for my account ; therefore, it should be accurate. Although I have provided them my current phone number many times, they are still calling me on a prior number that I very rarely use. They are also leaving messages on that phone which I hardly check. 
How many times should be considered reasonable and necessary that I have to contact Chase customer service and their dispute departments to get a simple issue resolved?
Product: Credit card

Capital One is reporting my business credit on my personal credit report. When applied for the business account a federal XXXX was given ( XXXX ) and I was told and told them everything was to be on my business LLC not personal they are reporting on my personal and I want it removed and added to business
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB case # XXXX. XXXX XXXX responded to consumer and CFPB stating that the bankruptcy had been removed. XXXX, XXXX, and Transunion all responded saying that they had verified the information with XXXX XXXX. XXXX XXXX is saying that they have not heard back from XXXX, Transunion, or XXXX during the entire investigation process.
Product: Credit card or prepaid card

Sometime in XX/XX/2023 Bank of America ( BoA ) decided to close my personal checking account ( XXXX ) and credit card account ( XXXX ). Letters were mailed to my home address stating the checking account would be restricted in 21 days and closed in 30 days, whereas my credit card account was closed on the day the letter was sent. The only explanation I was given for the closure was that my risk profile no longer aligns with the banks risk tolerance. 

Nothing has changed in my personal or financial life over the past 12+ months. The only item I can imagine impacting BoAs decision is that I recently purchased a new car with an auto loan through BoA. The auto loan was for $ XXXX over 5 years and is well within my budget. I also sold my old vehicle for $ XXXX to a local dealership and deposited the check into my former BoA checking account before it was closed. 
Most importantly, I was told that my {$1200.00} in Cash Rewards that I had earned on my Cash Rewards World XXXX credit card ( XXXX ) will be forfeited. The rewards are still visible and available when I log in to my BoA account, but are unable to be redeemed. I have a remaining balance due on my last credit card statement and wish to redeem all of my earned Cash Rewards against the remaining balance or receive a check for the total value of the rewards. I have included a screenshot of my credit card account dashboard that includes the Total Cash Rewards balance. The screenshot is from XX/XX/2023. 

Ive called BoA and spoken to numerous individuals without any resolution. Ive been given no explanation for why both accounts were closed and have been told that my credit card rewards are no longer available. It would seem the Bank of America arbitrarily closed my accounts and prevented me from redeeming my earned rewards in order to avoid paying me {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, Chase Mortgage sent a letter agreeing to correctly update my account to a consolidation loan and not a mortgage account. This Chase account was never a lien on a property. We sold the home back in 2002. As of XX/XX/XXXX the consumer report was updated correctly, but the factual data base reporting to mortgage companies was not updated. Chase is still reporting as a mortgage collection ( foreclosure ) to our  lender. We are trying to close on a house this month. We need this information updated on the factual data base reporting system that the mortgage company receives. 
See documents attached. We appreciate your prompt attention to this matter. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00} , XXXX XXXXXXXX Balance : {$15000.00}, XXXX XXXX  XXXX Balance : {$7200.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00}, XXXX XXXXXXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$19000.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00} , U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX U S DEPT OF EDXXXX XXXX Balance : {$0.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00}, U S DEPT OF EDXXXX XXXX Balance : {$0.00} , U S DEPT OF EDXXXX XXXX Balance : {$0.00}, TELECOM SELF-REPORTED XXXX Balance : {$21.00} , TELECOM SELF-REPORTED XXXX Balance : {$60.00}, XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am filing this complaint against XXXX XXXX XXXX regarding their improper handling of student loan accounts that were transferred from the U.S. Department of Education without my consent. XXXX and the Department of Education are separate entities with distinct EINs, and I never authorized the Department of Education to share or sell my information to XXXX. XXXX has reported these accounts on my credit report without proper validation or proof of ownership. Furthermore, if the accounts were charged off or canceled before being sold to XXXX, the Department of Education would be responsible for issuing IRS Form 1099-C. However, if XXXX purchased the accounts, they assume responsibility and should provide the IRS Form 1099-C. The continued collection and reporting of these debts without proper validation or required tax documentation constitute double collection and fraud. This has caused significant financial and emotional distress due to inaccurate reporting and mishandling of my personal information.

attached is my credit report, letter and Ftc Report
Product: Mortgage

XX/XX/XXXX XXXX XXXX  I applied for a mortgage with XXXX federal savings bank and was denied for a mortgage. they stated no reason only because of a credit score. there is nothing that supports denial of a consumer in a consumer credit transaction. I am fit to enter into a contract.
Product: Checking or savings account

I recently filed a dispute with Netspend regarding unauthorized charges of {$8000.00} on my account. Despite providing documentation to support my claim, Netspend has determined that they will not be returning the disputed funds to me. I believe that Netspend has not thoroughly investigated my case and is not following the law, which requires them to provide provisional credit while the dispute is being resolved. I am seeking recourse through the CFPB because I believe that Netspend 's actions are unfair and illegal. ''
Product: Mortgage

Purchased home on XX/XX/XXXX, assuming an existing VA Mortgage. 

Started application with Mr. Cooper to assume existing mortgage, for release of liability for the Seller of the property, on XX/XX/XXXX. 

Denied Mortgage by Mr. Cooper on XX/XX/XXXX, and advised I could appeal to the VA From this date on thru to XX/XX/XXXX we have been requesting our file to be transferred to the VA, by way of E-Mails and phone calls. 

VA has also sent emails to Mr Cooper requesting my file. 

I am enclosing copies of my emails with Mr. Cooper and the VA requesting the file to be uploaded.
Product: Credit card

Fraud American Express business credit cards were opened under my name after I learned negative account were reporting on my credit report. A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were opened under name fraudulently. I spoke with American Express and they assured me it was taken care and case was closed but the account is still reporting on my credit reportss
Product: Debt collection

I am resubmitting complaint since the previous explanation was not accurate and insufficient. 

Since Medical Data Systems reported the outstanding debt to Credit Bureau, it is responsibility of MDS to correct the error Below is the summary of my complaint : My son received treatment @ XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX He had insurance coverage and details was provided to XXXX. 
However XXXX continued to send bill making it self pay inspite contacting several times to correct the error and submit to insurance. I also tried conferencing XXXX billing department with XXXX XXXX XXXX XXXX since I was told XXXX was having trouble submitting the claim. However XXXX service rep hung up the phone when I conferenced associate from XXXX This continued for most of XX/XX/XXXX and XX/XX/XXXX and eventually XXXX turned over the bill to Medical Data Systems for collections and it ended up in credit bureau as unpaid collections. 
To avoid running out of time, I contacted XXXX late last year and submitted a claim myself with the information I was provided by XXXX. However XXXX informed me that it was missing several pieces of information to process the claim. 
I was hoping to get the claim resolved within 6 months so that collections does not become permanent in the record. I have contacted Medical Data systems several times in last 6 months but so far I have not received the information I need to submit the claim with XXXX. 
Every time after spending hours with Medical Data systems staff I get same information which is missing Diagnosis code and Procedure code. 

XXXX has promised that they will process the claim as soon as they receive complete information and will pay the outstanding bill to XXXX as soon as it is processed. 
I dont have any doubt that the bill will be completely paid I am requesting CFPB to interject and advise Medical Data Systems to remove the collections effort from the credit report immediately. Meanwhile I am working with XXXX to provide me the required information or submit the claim with insurance immediately
Product: Credit reporting or other personal consumer reports

I have spoken with numerous agents about Equifax not reporting accurate updated information on my report and nothing has been done. This has become very very frustrating. This has prevented me from being able to purchase anything because they are not report accurately. I have not been able to receive an accurate report since XXXX  of XXXX. I have spoken to supervisors nothing has been done. Ive submitted every updated document to them and still have gotten no where. They claim to not have received anything which is a lie. Something needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three Credit Bureaus Equifax, XXXX XXXX, and XXXX are violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. They are also violation my right to privacy under 15 US Code 1681 Section ( a ) ( 4 ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA XXXX According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX, nor did I provide written consent for my credit report to be accessed.
Product: Debt collection

My husband filed identity theft forms with the Federal Trade Commission because we were notified of an unauthorized account from XXXX XXXX, who sold the account to Capital Management Services , LP and is demanding payment for a delinquent debt.
Product: Payday loan, title loan, or personal loan

I called them and explained that I had been denied. The company does business with people that have bad credit. Usually the credit score is around XXXX and mine at the time was XXXX. They denied me credit because people are jealous of me and they leaned toward them and denied me credit.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act as a Federally Protected Consumer, according to the 15 USC Code 6802 a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX, Equifax and XXXX XXXX are third parties. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It states It is policy of the Congress that any financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 US Code 1681a Reporting Transaction History is illegal. According to the Privacy Act of 1974 it protects records about individuals retrieved by personal identifiers such as name, social security number or other identifying number or symbol. Individuals have the right to seek access to and request corrections or accounting of disclosures of any such records maintained about him or her. I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802.