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

I have an account with MoneyLions in XX/XX/XXXXor possibly XX/XX/2019 I requested a card and a card was sent out to me however I never received that card so another request was put in another card was sent out again I never received that card I was able to create an online account login to my online banking have access to my account and routing numbers as well as link external accounts I just had no debit card. I filed my taxes and request a direct deposit into that Account which is where my stimulus payment went as well and around all this time my phone was stolen and unfortunately my banking app was on my phone as well as logged in so I contacted XXXX  made a report as to the phone being stolen and wipe the device clean however unfortunately it was too late and some of the information had already been accessed and compromised days later I was able to get a new phone And as well have my number ported over which after doing so which was nearly a week later I received a call from as well as text from XXXX  which is a fraud company a third-party I believe through the bank letting me know that my card was suspended and there was fraudulent activity that had occurred on my card at that point I notified them that I did not have a card i then the very next day contacted the bank and filed a claim dispute at which the outcome of that was that a credit would be provided to my account and a new card would be expedited XXXX   as well that upon delivery that verification of ID and signature be required for not only my protection but theres as well however unfortunately I ended up very very sick and in the hospital and as to the card being delivered I have no knowledge of if it ever was or wasnt but What I do have knowledge of is that I was able to log into my online banking activity and not only was all the money compromised from my account but there were fraudulent transactions and the transactions were identical to the prior transactions so I contacted the bank to file another claim advising them of everything that I was aware of and as to me never receiving the card once again Ive now waited 10 days and havent received feedback so today i contacted them again and was able to get through to the supervisor which they are now in process of working on as well as providing a provisional credit however they have put a lock on the account not allowing me any access to the funds whatsoever until the investigation is complete which could be up to 90 days that is unethical and illegal As the federal banking law stipulates they have 10 days to either provide provisional credit or have a resolution as to the investigation.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue regarding the completeness of the information on my consumer report. 
After reviewing my credit report, I noticed that in reference to my account : - XXXX XXXX XXXX XXXX my credit limit is being omitted, which is a direct violation of federal law under 15 USC 1611 .

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

According to 15 USC 2069, each day that this omission of my credit limit was furnished to my consumer report shall constitute a separate offense, constituting a separate fine ( of {$5000.00} according to 15 U.S. Code 1611 ) for each day.

15 U.S. Code 2069- Civil penalties ( a ) Amount of penalty ( 1 ) Any person who knowingly violates section 2068 of this title shall be subject to a civil penalty not to exceed {$100000.00} for each such violation. Subject to paragraph ( 2 ), a violation of section 2068 ( a ) ( 1 ), ( 2 ), ( 4 ), ( 5 ), ( 6 ), ( 7 ), ( 8 ), ( 9 ), ( 10 ), or ( 11 ) of this title shall constitute a separate offense with respect to each consumer product involved, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations. A violation of section 2068 ( a ) ( 3 ) of this title shall constitute a separate violation with respect to each failure or refusal to allow or perform an act required thereby ; and, if such violation is a continuing one, each day of such violation shall constitute a separate offense, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations. 

It is crucial to have accurate and complete information on my credit report, and the omission of my credit limit hinders a comprehensive understanding of my creditworthiness. As per the Fair Credit Reporting Act ( FCRA ), furnishing companies are required to provide complete and accurate information to credit reporting agencies.
Product: Mortgage

Hello, In 2005 I purchased a house taking an 80/20 loan. Around XXXX of 2020 I received a letter form PHH ( 2nd mortgage ) that the loan matures in XXXX  2020. I reached out to them about a dozen times to try to work out our options because the balance is around XXXX. ( made monthly payments for 15 years and the balance never went down ) Every time I'd call, I was on hold for extended periods of time, transferred, on hold, transferred, on hold ... etc., with a few dropped calls in between and never able to resolve the issue. When I would get ahold of an actual person, they would recommend me to their website to fill out a form for a loan modification ... .which I was denied. 

Called back multiple times through XXXX and XXXX and would only get the run around. 

I called PHH again in XXXX asking to speak with a supervisor, ( mind you this is probably the 8th or 9th time I called ) I got a hold of someone who set up a time and date for a " case manager '' to call me back on XX/XX/XXXX ... No call. I called them back to find out why I didnt receive their call only to find out they didn't have my correct information. I set up another meeting with the " case manager '' for XXXX XXXXXX/XX/XXXX at XXXX XXXX ... no call from PHH. 

Now we are in the beginning of XXXX, I call again and Im transferred multiple times to get other person to set me up with a meeting with the " case manager '' from PHH to call me on Monday XX/XX/XXXX ... .NO CALL AGAIN!! 

After multiple attempts, feel they don't want to resolve this issue. I want to get this situation straighten out but I can not come up with $ XXXX in one lump sum ... especially now in this economic Covid climate. Im constantly receiving mail from them with options of " Foreclosing '' on the house ... .This is not an option for us. 

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

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I'm not familiar with this, and the company proceeded without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I never lived at this address XXXX XXXX XXXX XXXX XXXX Texas XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX 1. I never lived at this address XXXX XXXX XXXX XXXX XXXX Texas XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Bank of America did not state my rights about why I am being held liable for a {$1000.00} scam. All bank of america told me is that they deny my claim because they found " no bank error ''. In which I never told them there was a bank error so I am confused as to why they and how they conducted their research into this case by looking for " bank errors ''. They never called me or emailed me in order to get further information about what happened during my scam encounter nor did they follow up on what happened. They advised that " I send money to family and friends '' which is ridiculous because I should be able to trust my bank to protect me from scams and fraud that are not my own cause. 
I was contacted by an individual by the name of XXXX XXXX  via phone about the purchase of a vehicle. He sent me photos of the car and stated I would need to send a total of {$1000.00} for a deposit of the vehicle and then pay an additional {$1000.00} to complete the purchase of the car. I sent him a total {$840.00} on XX/XX/2020 via XXXX from my bank at Bank of America. I then sent the {$200.00} remainder of the deposit on XX/XX/2020 via XXXX again. XXXX stated he would hand over the car on XX/XX/2020. In which, he never showed up and never brought the vehicle that I had already paid the deposit for. He also stopped all further contact with me and blocked my phone number. I then realized I was scammed out of my money and of the potential car. To my surprise after researching XXXX, I found previous records that he is a XXXX  and huge fraudster/scammer. He is in XXXX with 23 other individuals that sell stolen vehicles and scam individuals by never actually give them the cars such as myself. He has been to jail multiple times across the country for theft and related charges. I called Bank of America on XX/XX/2020 and let them know my entire situation and that I wanted to file a dispute of the transaction since I was a victim of the car scam in order to receive my {$1000.00} back. The representative at Bank Of America told me they would conduct an investigation, reach out to the bank XXXX has, and ask them to send the money back. After 20-30 days I called Bank of America back and they told me they denied my claim and I can not appeal any XXXX transactions that have already been denied. I was completely shocked and was told my next only option would be to file a complaint with XXXX  and there there is no other help Bank of America can offer me to retrieve my money that I was scammed. I contacted the XXXX County police and filed a police report for theft or services against XXXX  as well as a ticket on XXXX The police are still looking for XXXX to arrest him but advised that I communicate with the bank on how I can retrieve the stolen funds. I was finally referred to submit this complaint on here to the CFPB as of today on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$570.00}, XXXX XXXX WY XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX Balance : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, EXPERIAN, XXXX  ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. 

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

SURPASSED SOL US DEPT VETS XXXX U.S. DEPT OF VETS AFFAIR 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 UNIVERSITY OF XXXX XXXX Office of Dispute Management XXXX XXXX XXXX XXXX XXXX, AZ 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 It appears that attempts to collect a potentially time-barred debt that is otherwise valid may not necessarily Violate the Act so long as there is no actual or threatened litigation. ( See Freyermuth v. Credit Bureau SeNices ( 2001 ) 248 F.3d 767. ) However, where, as here, a collection action is instituted, there is a violation of the Act. ( See Kimber v. Federal Fin'l Corp. ( 1987 ) 668 F. Supp. 1480 ; McCollough v. Johnson, Rodenburg & Lauinger ( 2008 ) 587 F.Supp.2d 1170. ) All of these Accounts Report with various INACCURACIES! AND INCONSISTENCIES WHETHER IT MAY BE THE DATE OPEN, THE DATE OF LAST ACTIVITY OR DATE OF LAST PAYMENT, VARIOOUS CHARGEOFFS AND COLLECTIONS ARE LISTED UNDER THE WRONG ACCOUNT TYPE CODE ALL OF THE DATA VARIES FROM BUREAU TO BUREAU WHICH MAKES IT INCONSISTENT YOU HAVE VARIOUS CHARGEOFFS AND COLLECTIONS REPORTING A BALANCE WITH A PAST DUE BALANCE HOW CAN YOU REPORT BOTH IF THE BALANCE WAS CHARGEOFF, THE HISTORICAL PAYMENT GRIDS ARE ENTIRELY INACCURATE AND UNVERIFIABLE Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).

U.S. Code1692e.False or misleading representations
Product: Debt collection

State Recovery Systems has been violating my rights and seek your help to resolve. 
The purpose of this letter is to dispute the Collection Account that was placed on my account that states it was opened on XX/XX/year>. This charge of {$9800.00} from a creditor named XXXX XXXX. 
I have advised that this has been a case of Identity theft yet it has been reported against my credit report to XXXX XXXX, XXXX and XXXX. 
The charge has no proof or foundation and I have advised that the charge is not valid yet your company has placed the charge against me with clear notification that this is not mine. 
I am seeking that this be immediately removed as it has been clearly provided as fraud. In addition, due to this being the second or third notice I am hereby notifying the CFPB as it is a violation of the fair credit and reporting act which is being violated by your company. 
If this is not removed immediately as there is no supporting documentation to support this bill I will have no choice but to take this matter to court and request that I be paid for damages that your company has imposed to me for falsely reporting this information on my credit file. 
I have provided letter sent to the collection agency and FTC report of Identity theft.
Product: Credit reporting or other personal consumer reports

I hope this message reaches you in excellent physical condition. 
I am writing to bring specific inconsistencies on my consumer report to your attention specifically pertaining to billing and errors outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligator or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

To my knowledge that the creditor failed to furnish me with a statement 21 days prior which ought to render any ramifications of late payments regarding the linked account. I am in pursuit of concrete evidence from the creditors bank records that I failed to make a payment, resulting in erroneous designation as late- a sign of an invoicing error- therefore, I humbly request that the subsequent entries be prompting updated n my consumer report to reflect their current status as follows : " paid as agreed ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXBalance {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a bankruptcy on my credit report that is not accurate. I never filed Bankruptcy. EVER!! This must be tied to the Equifax breach from last year or something. Equifax is the only credit report that is showing this on my credit report. The docket number shows as XXXX and filed on XX/XX/XXXX and reported on XX/XX/XXXX. How is this possible? I even did a search of the court records with my social security number and no bankruptcy was found.
Product: Checking or savings account

On XX/XX/22 I attempted to make a transfer from my savings account, XXXX to a verified external bank account. The transaction was cancelled by American Express National Bank. They asked me to fax over account details confirming the external account ... which had already been done online. I faxed the details. I even added my credit union account as a backup. Now I am unable to utilize my funds at all as there is some sort of hold on them. These funds are needed immediately and to not be able to use them nor have been advised of this hold is not good. I need the hold removed so I can move forward with my transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied with two mortgage companies for a home loan. Both companies told me they were unable to pull my Equifax credit score. I called Equifax the same day to find out the problem and was told there was no problem on their end ; there were no freezes on my credit. Today, XX/XX/XXXX, I tried to pull my credit score myself and was unable to do so. I called Equifax again and was told there was a problem and it may take ten business days to fix. I need my credit score now, and when I asked who to complain to, I was told there was no one I could complain and I would just have to wait. I am trying to buy a home and need to do this in a short period. Can you please help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in accurately reporting a timeshare account as a conventional mortgage. Because of this error my husband and I are unable to secure a traditional mortgage. Please update the account type/category and remarks to reflect that the account is a time-share and NOT a mortgage. 

We tried disputing through the CFPB but was unsuccessful because this company is not listed in their data base.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is dodging their duties, how many times do I have to submit my complaint? I am attaching a selfie of myself holding my ID to verify my identity. along with the letters sent to the company that they are disregarding
Product: Credit card or prepaid card

It seems like the card is damaged or is not completely activated. When I first called in about the problem the rep started laughing at me and I didn't respond well to that. I am very upset I needed a cab yesterday and the cab company 's website said the 3 digit security code was invalid. I called back and spoke to another rep and she said I had to register the card online but when I tried doing this on my own, their website also showed an error saying the 3 digit security code was invalid and that the card itself was not valid. The rep sent me a link today XX/XX/2019 and said she had to make some changes for the card on her end, so it wasn't until then I was finally able to register the card. I logged in but as part of logging in you have to enter the 4 digit security code that's on the front of card and now it's saying that this number is also invalid. So this will be my third time today calling back after I was told the card would absolutely work correctly now. Photos attached
Product: Debt collection

Pulled credit report on XX/XX/2019 Found item on report and disputed Sent letter to company Company signed for certified letter No response from company Sent second letter to company Company signed for certified letter Pulled credit report on XX/XX/2019 and item remains on credit report Company does not respond to letters sent
Product: Checking or savings account

My previous complaint number about this issue unfair/ unreturned overdraft fees with CFPB is XXXX and my Wells Fargo complaint number is XXXX. Between the dates of XX/XX/XXXX to XX/XX/XXXX I was charged a total of {$160.00} in overdraft fees. I have received notification from the Wells Fargo escalations representative which is the enterprise complaints management office at XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX fax number is XXXX. I was told in falsely stated Documents that Wells Fargo returned all the money in overdraft fees which I have not ever received and have proof from all my bank statements that none of the overdraft fees that I have had to pay of this {$160.00} was not ever returned to me otherwise, why charge me the overdraft fee to begin with as Wells Fargo is not in the business of giving people that overdraft fee money right back. You have to pay the overdraft fee to restore your bank account or they close your account for you and send a credit bureaus after you for those fees. and I as well as so many other customers felt that I had no other choice but to pay the overdraft fees for insufficient funds to restore my bank account.