23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Yesterday, I received a call claiming to be from Wells Fargo. The person on the line said there had been several fraudulent charges made on my account, listing off several specific charges. It sounded identical to real fraud alert calls I had received from other banks and credit cards. They said that, due to the amount of money being transferred, the FDIC was getting involved and they would have to call me back the following day to continue the investigation. The speaker talked very formally and professionally, so I believed them. The next day I got a call back at the exact time they said they would and they started giving me step by step instructions to recover from this supposed fraud attempt. It seemed like they were asking me to make a wire transfer, but he kept insisting, " Your account is locked. This money won't actually go through. You'll receive an error message. '' But the money DID go through. At that point I sensed something was really wrong. He started asking for my debit card information, claiming he needed it to cancel the card and send me a new one in the mail, but by that point I didn't trust him so I didn't give him the information. Still, he kept insisting that the wire transfer was only temporary and stayed with me on the line for several dozen minutes while I waited for the transfer. I don't know why he wanted so long -- perhaps in the hopes that I would give him more money, or perhaps he was waiting out the XXXX minute period where supposedly you can more easily cancel wire transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra : not mine XXXX XXXX XXXXXXXX Original creditor : XXXX {$2800.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$2800.00} {$2800.00} Payment Info Original balance {$2800.00} Balance {$2800.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX  Original creditor : XXXX XXXX  {$710.00} Balance updated XX/XX/XXXX XXXX XXXX {$18000.00} Closed 77 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$18000.00} {$47000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information such as date opened, monthly payment and payment history without any proof provided, within the time allowed by law, is not authorized. Please update the late payments from this account. XXXX XXXX XXXX XXXXXXXX Balance : {$45.00} [ XX/XX/XXXX ] [ XXXX ] XX/XX/XXXX [ XXXX ] XX/XX/XXXX [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom This may concern I never was in ambulance and went to the Hospital and XXXX and Equifax are reporting wrong information on my credit report. this is Identity Theft
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against experianfor conducting inadequate and misleading investigations into disputes regarding my credit profile. As a consumer, I have a right under the Fair Credit Reporting Act ( FCRA ) to have my disputes investigated thoroughly, but experian has failed to fulfill this obligation. Over the course of my recent interactions with experianI have noticed a pattern of what I believe to be sham investigations. My disputes regarding inaccurate information on my credit report were met with superficial responses that did not address the concerns I raised. Specifically : experian has responded to disputes with generic statements or resolutions that did not appear to involve any meaningful investigation. My evidence supporting the inaccuracies in my credit report was not acknowledged or addressed in the responses. The results of the disputes were issued in unreasonably short timeframes, suggesting that no thorough investigation could have been conducted. These actions not only undermine the integrity of the credit reporting system but also violate the provisions of the FCRA, which requires credit reporting agencies to conduct reasonable investigations of disputed information. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate experian dispute-handling practices to ensure compliance with federal law and to protect the rights of consumers like myself. I also urge the CFPB to take necessary enforcement actions to hold experian accountable for any violations uncovered during the investigation. Please let me know if additional information or documentation is required to support this complaint. I trust that the CFPB will address this matter with the seriousness it warrants. Thank you for your attention to this issue. Sincerely,
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting this document along with a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which qualifies under XXXX  according to the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted. Please delete the following accounts from my credit report with TransUnion : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Balance : ** {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Account NumberXXXX Balance : {$6500.00} XXXX XXXX XXXX ( Rental ) Account Number : ** XXXX Balance : ** {$4900.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Balance : ** {$26000.00} XXXX XXXX XXXX Account Number : XXXX Balance : ** {$2200.00} Thank you for your assistance in this matter
Product: Mortgage

Regarding Escrow Refund dated XX/XX/XXXX for {$2300.00} from Freedom Mortgage. Concerning not receiving the escrow refund, having contacted the Freedom Mortgage on XX/XX/XXXX, Customer Service over the phone ( XXXX ), then again XX/XX/XXXX by email with acknowledgment of receipt of the inquiry, XX/XX/XXXX again by phone ( XXXX ) with customer service representative XXXX, which indicated to me that the check would be sent 5-7 business days, XX/XX/XXXX again by phone ( XXXX ) with customer service representative XXXX, which now indicated 6-8 weeks, and if check not received by then, needed to resubmit the request for the check for another 6-8 weeks wait-time. I asked CS XXXX to have his supervisor call me to explain and as of today still no response.
Product: Mortgage

Citizen One has been harrassing me for a month now. I want them to send me a 30 day payoff which they haven't. I have been on the phone for 3 hours and they didn't answer. I tried to get on their website and they kept telling me the wrong password so I changed it 3 times then they said my user name was wrong. This has been gone on for months. Then I tried to email them and couldn't I t didn't go through. I made a payment of {$720.00} in XXXX then another payment in XXXX for {$660.00} I just got a bill for {$2100.00} They said I was past due. They are wrong Fraud is what they are doing.In 2015, they said I didn't make a payment. That was Citizens Bank. I had to pay their lawyer {$1000.00} to their lawyer or they were going to take my house.I am a senior citizen and I don't need this harrassment.Please help me. I have read other customer reviews and they also told me to get out of this bank. Please help me. I want other people to see this and to see their reviews. Thanks XXXX XXXX
Product: Checking or savings account

I was charged XXXX times by XXXX, on XXXX separate months. First man that occurred they reimbursed the charges and the charges were placed back in my account the following day. The second time it occurred the transactions were reversed on a Wednesday and Navy Federal credit Union place them in a pending status that Wednesday. That Friday the transactions fell off pending status and we're not part of the account at all. On Saturday the transactions went back into a pending status and track phone has confirmed that those payments have been paid and placed back in my account which they have not. As stated the transactions were on their Wednesday dated for Wednesday Friday they dropped off as if posting, and Saturday they were back into a pending status. This is the type of XXXX discriminatory and illicit activity that is carried on by the Navy Federal credit Union and members money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX  and Transunion 5 letters disputing an charge off in the amount off {$3300.00} from XXXX XXXX. XXXX  and Transunion did not verify the accounts according to Federal law nor supplied me with any copies of Original contracts with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and did not delete the unverified information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive correspondence in the 30 day window per FCRA guidelines showing that this company sent documentation showing their federal right to post this item on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on my credit report that do not belong to me. Ive asked the bureaus on 4 different occasions to provide accurate validation of the claims, debts, and inquiries affecting my credit and theyve failed to comply with the FCRA by doing so.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXXXXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Incorrect Reporting Date : The payment reported as late for XX/XX/XXXX and XX/XX/XXXX was made within the grace period and should not have been reported as 60 days late. 
Clerical Error : There appears to have been a clerical error where the payment was misapplied or not recorded accurately by XXXXXXXX XXXX. 

I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am required to have {$100.00} in my TD checking account in order to avoid being charged a {$14.00} maintenance fee. 

On XX/XX/XXXX my account went down to {$38.00} due to a transfer of funds. On XX/XX/XXXX, I transferred {$70.00} to the checking account to put the balance over the {$100.00} threshold. After this transfer, TD Bank charged me a {$14.00} maintenance fee for the previous month which, again, brought my balance below {$100.00}. I subsequently added {$1600.00} the account on XX/XX/XXXX. 

On XX/XX/XXXX I transferred funds from this checking account to another bank, leaving a balance of {$100.00}. On XX/XX/XXXX I was charged another {$14.00} maintenance fee which brought my account balance to {$86.00}. 

I spoke with a representative at TD Bank on XX/XX/XXXX and explained that the reason my account dropped below {$100.00} in XXXX is because they took the fee out after I made a deposit and never notified me that they were charging me a fee or when it would be charged. 

I simply wanted the {$14.00} maintenance fee from XX/XX/XXXX refunded, since the bank is the one that took money out of the account to bring it below the {$100.00} threshold. I was told the maintenance fee can't be refunded and they can only refund over draft fees. In addition, I was told that I would be charged another {$14.00} fee in XX/XX/XXXX because the {$14.00} fee that was taken out on XX/XX/XXXX brought my account balance below the {$100.00} threshold again. 

I feel this is unfair and deceptive. If TD Bank would have notified me that a few was coming, I would have simply left an additional {$14.00} in the account back in XXXX in order to stay over the {$100.00} threshold. Instead, they chose to keep me in the dark about the fee. This resulted in them causing my account to go below {$100.00} on 3 separate occasions instead of just once. 

Unfortunately, I will now be held responsible for paying TD Bank {$42.00} worth of fees ( {$14.00} XX/XX/XXXX, {$14.00} XX/XX/XXXX and {$14.00} XX/XX/XXXX ) instead of them just notifying me of a pending {$14.00} fee. 

I feel these maintenance fees are designed to prey on customers and create a snowball effect bank charges. Why did the original maintenance fee of {$14.00} on XX/XX/XXXX get processed after I made a deposit instead of before I made the deposit? Why would TD Bank wait until the end of the day to process {$14.00} maintenance fee? Additionally, Why didn't anyone notify me that I was being charged a fee or that my account balance was under {$100.00} After 12+ years of doing business with TD Bank , it's a shame to realize that they are still predatory in some areas of their operations.
Product: Student loan

XX/XX/30 - Called EdFinancial to get a refund on payments made on my loans during the pandemic. I talked to XXXX and was told that I needed to wait to fill out application being sent out by the government around mid XXXX. Was told that I should be refunded for all of my payments made. So I was not able to submit a request for a refund. 

XX/XX/30 - Called EdFinancial again to request a refund on my loan payments during the pandemic. This time another representative, XXXX, was able to submit a request for a refund of {$11000.00}. However, they could not give me a specific date or time range on when I would get a refund. 

Overall was given mixed information on submitting refunds by two different representatives at EdFinancial. They were also not clear on a date range on when I should be receiving my refund and when they would reinstate my loans on FSA. Overall given two very different statements on refunds for my loan payments, and lack of consistency made it difficult in getting my refund for my loan payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX I had received a copy of my TransUnion credit report and noticed that it was several inaccurate accounts being reported within my credit files from TransUnion. I began disputing those negative and inaccurate accounts with TransUnion on to keep computer generated results stating that the accounts were verified. These accounts are adversely affecting my credit in various ways because the information being reported is completely inaccurate and erroneous. 

XXXX  XXXX ACCT # : XXXX AMOUNT : {$1000.00} XXXX ACCT # : XXXX AMOUNT : {$190.00} XXXX   XXXX XXXX ACCT # : XXXX AMOUNT : {$59.00} XXXX   ACCT # : XXXX AMOUNT : {$1200.00} I've also requested that my personal information be updated as well to reflect my legal name and address for delivery of any mailed per FCRA Section 623. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX sold my account to Resurgent Capital Services. They harassed me and intimidated me into paying the balance owed, which a representative told me, after I paid in full the charged off status would be removed from my account. It was not.
Product: Credit card

I received a letter from XXXX XXXX XXXX, XX/XX/year>, saying that the FRAUDULENT information is accurate being reported to the credit bureaus and left her phone number XXXX XXXX XXXX Ext XXXX. 

I have called her several times and left messages she has never returned any phone calls, XX/XX/XXXX, and XX/XX/XXXX. 

After explaining this to the Police trying to get a Police Report for what seems like identity theft, the Police said no this is inside the bank and a matter to be disputed because the bank is aware of the cards that have been replaced and sent to you if someone outside the bank is using your card then we can do a report for fraud. 

They said these are some shady people at the bank and if this is not corrected notify Consumer Financial Protection and the Attorney General and another financial regulator. 

US Bank sent me an envelope with 10 pages as if, I was receiving a credit card but no card was in the envelope. 

.
Product: Vehicle loan or lease

I already submitted a Complaint to the CFPB on in XX/XX/XXXX in Case Number # XXXX. 

This is all over a van that costs a few thousand dollars, which I am happy to give back to Ally, but they kept calling my friends and family and avoiding contacting me. I am a licensed attorney California Bar # XXXX and this van was owned by Stepfather who passed away last XXXX and my mom is severely XXXX and in a XXXX home. I have been dealing with my Mom 's estate, COVID, and the birth of a new baby, along with my busy legal career. I could care less about this XXXX XXXX XXXX, but for some reason Ally Bank repeatedly has someone from XXXX repeatedly harass my elderly and XXXX mom and now my friends and family. 

This is completely unacceptable and absusive collection tactics, which CFPB needs to know about, because I can defend myself. However, who knows what they are doing to those who can not.
Product: Credit reporting or other personal consumer reports

I had an account with XXXX Credit Card company through XXXX. There was a late payment of {$30.00} or something that they kept on sending to my old home address. As a result, I missed it. That caused XXXX point reduction in my credit score. XXXX did not contact me by any other means to notify me about late payment or the payment either. I tried contacting them multiple times, talked to several supervisors to remove that from my account. But all in vain. I learnt about the XXXX point penalty only after applying for a home mortgage loan last year. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 that states that I have the right to privacy. It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

So, I request CFPB to help me resolve this issue since creditor has not at all.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX