23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for and received a credit card with the number ending in XXXX from wells fargo in XX/XX/XXXX. Someone with access to my information was able to fraudulently request a duplicate card be sent to me on XX/XX/XXXX. They were able to obtain the tracking number from XXXX and have it rerouted to a different location. They activated the card and made three cash advances on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX  totaling {$1100.00}. I received a fraud alert from Wells Fargo when the unauthorized user attempted to use the card to make a {$1300.00} purchase at XXXX XXXX and was denied. I called Wells Fargo that night, XX/XX/XXXXXXXX  to report the fraud, have the card cancelled, and have a new card sent to me. I also filed a police report with the XXXX. Wells Fargo has repeatedly denied my claim of unauthorized charges after multiple phone calls over month.
Product: Checking or savings account

I am to file a complaint against Navy Federal Union regarding overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to delayed posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete these accounts ASAP.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened a Wells Fargo business XXXX XXXX with an attached offer of spend XXXX get XXXX back. 
On XX/XX/XXXX I made a purchase of XXXX on said credit card. 
On XX/XX/XXXX I did not receive the bonus offer of XXXX cash back. 
On XXXX I called and after being transferred around for over an hour and being told that I did not receive the bonus because it was not attached to my account, I did not make eligible purchases, and I was not enrolled in the correct reward program which they set up for me. They told me there was nothing they could do even though it was their fault for having two reward programs neither of which the user has the ability to pick from.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX ; XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Company reached out to me in XX/XX/XXXXduring the pandemic. I told them I was not working due to covid -19. I received a negative mark on my credit report. The company has been calling me repeatedly and told me they were not going to stop calling until I set up a payment amount. I told the agent I was not working and I did not have any income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For the past few months, I have been attempting to access my credit report and lift the freeze. Since initiating the freeze on my credit report, I have been unable to remove it, file disputes, or view my report. Despite repeated calls for assistance and attempts to use your automated system, which requires a code for validation, I have not received this code. Even after finally receiving a code on my fifth request, the freeze remains in place.
Product: Debt collection

I am writing to dispute the following information in my file. I have written down I dispute on the attached copy of the report I received. I am requesting that the items be removed from my credit report I have contacted XXXX XXXX XXXX numerous of times telling them that I have no knowledge of these accounts. 


XXXX XXXX Bank, XXXX XXXX Account Number XXXX XXXX Account Number XXXX Current Owner XXXX XXXX, XXXX XXXX Bank XXXX Account Number XXXX XXXX Account Number XXXX Current Owner XXXX XXXX, XXXX
Product: Debt collection

On XX/XX/2020, I mailed a letter Certified Mail to United Revenue requesting more information about an implied debt. I have yet to recieve any response from United Revenue regarding the information that I requested, nor have I recieved my return signature reciept back in the mail. I understand that it is not pass the 30 day time frame, but shortly after I sent the letter I have been getting updates to my credit report on a weekly basis by United Revenue, which was only updated once a month prior to my request. I believe that United Revenue is making a malicious attempt in retaliation to my request to lower my credit score, and damage my credit profile by repeatedly reporting the same information on a weekly basis with no apparent updates. I believe United Revenue intentionally did not the sign the return reciept and has catergorized my request as frivilous.
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 and account XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

On or around XX/XX/2021 I sent PENTAGON FEDERAL CREDIT UNION a Cease and desist notice to stop all ILLEGAL activity. In the notice provided ( see Exhibit A1, A2, A3 ) you can see I have addressed to PENTAGON FEDERAL CREDIT UNION that Pursuant to 12 CFR 1026.13 ( a ) ( 6 ) see Exhibit B : the billing statement I have previously received is a billing error, Provide documentary evidence as the definition states in 15 U.S.Code 44 ( see Exhibit C ) that includes all documents, papers, correspondence, books of account as described in IRS Publication 583 ( Record Keeping ) and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all caps name pursuant to 12 CFR 1026.13 ( a ) ( 6 ). I require this clarification in order to address the billing error for the amount shown in my latest statement. I need to clarify who funded the account and how much is owed according to the journal and credits of account and ledger and debits of account to verify from the current accounting and taxes associated with this account.
Product: Credit reporting or other personal consumer reports

I sent a method of verification letter to Lexis Nexis in regard to a public bankruptcy letter. It is to my understanding that the law requires them to respond within 15 days or they must delete the record. I called to verify that they had received the MOV letter, and it was confirmed that they had indeed received the letter. The fifteen-business day time frame passed and I sent another letter demanding removal of the record. That too was ignored. I contacted them again to confirm acknowledgment of the letter and was told by the representative that she was unable to locate the original letter but could see the demand for removal letter. I informed her that I kept meticulous records and that even though they weren't sent first class mail, I opted to pay extra for a tracking number. She placed me on hold and when she got back on the line, she informed me that she would need the tracking number for the first original letter. I told her that I would have to find it and that I would call back with it, which I did. I also told her again that it wasn't a tracking number from Lexis Nexis but was a tracking number from the post office. She responded that she understood, but they needed the tracking number. Again, I sent it. I also informed them, once again. that they did not respond to the method of verification letter within fifteen-days so by law they had to delete it. I have pictures of the letters that I sent, along with receipts and tracking numbers from the post office, recorded phone calls, and the letters that were sent to me from Lexis Nexis. They sent a letter back to me stating that the " dispute '' results were in and that the record had been verified. My letter clearly stated that it was a method of verification letter, not a dispute letter. I suspect that Lexis-Nexis will try to claim that they responded to the M.O.V letter, but how could they have responded when they claimed they could not even find it? Furthermore, I have informed mail set up with the post office that includes all the scanned mail that I get for any given day. Also, I have all their other correspondence. Lexis-Nexis Stated that they DO NOT VERIFY ANY RECORDS sent to the three credit bureaus. I think that it is also worth noting that I sent Lexis-Nexis proof that XXXX, XXXX with XXXX deleted the record due to the fact that it was unverifiable. 
I will attach and/or submit all my proof and evidence AFTER I receive a response from this company.
Product: Debt collection

Financial Asset Management Systems ( FAMS ) is attempting to extort money from me. FAMS and XXXX were supposed to send me a settlement agreement in the mail which I never received. The settlement amount was {$10000.00}. Now FAMS is trying to extort more money from me by asking for {$15000.00} when I never received the settlement agreement for the {$10000.00}. FAMS is claiming that I did not accept the {$10000.00} settlement amount in a timely manner. This is lie, and a flagrant violation of the Fair Debt Collections Practices Act. I was supposed to receive a settlement agreement in the mail which I never received. I 'm willing to settle the debt for {$7500.00}. FAMS is trying to extort more money from me, and are flagrantly lying about not accepting a settlement amount in a timely manner. I never received anything in the mail. FAMS and XXXX did not attach document to the previous CFPB including the settlement agreement. FAMS is engaging in deceptive and coercive debt collection tactics in flagrant violation of the Fair Debt Collections Practices Act.
Product: Mortgage

My husband XXXX and we 're looking to obtain a mortgage through United Security Financial out of Utah. We first refinanced our home and then after we started working on the process of obtaining a new mortgage for our upcoming move. We had a closing date set for XXXX XXXX. We were told our final condition was showing that we would be renting our current home ( along with a few others that we satisfied ) and that they needed to see a lease agreement. This was provided. Fast forward to Thursday XXXX XXXX I get told they laid off an entire office, the office that was handling our mortgage. After this time it was hard to get a hold of anyone or talk to anyone. Now conveniently we all of the sudden dont qualify. Finally on the Friday after sending some concerning emails the manager called me and said that we could n't be approved. She had barely even gone through our file so much so she did n't even know our recent mortgage was refinanced through her company just in the prior month! She said the only way she could approve is via a XXXX arm FHA. After I said that is not what we were told and our mortgage was basically approved we would not be accepting those terms. She preceded to thank me for wasting her time. This company is completely unprofessional and I feel should be investigated. We did n't even receive all of the required disclosures when obtaining a mortgage. We almost lost the purchase of our home. Thankfully we found another company who was able to complete and process the mortgage with approval in less than 3 weeks. I have retained all emails regarding business with this company. I have all correspondence with this company from emails to text messages from the originator.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent a wire transfer for XXXX from my XXXX XXXX XXXXXXXX Checking account XXXX to Chase Bank, Routing # XXXX, Account # XXXX. The recipient has not received the funds. XXXX has also given me a XXXX file number XXXX, that the recipient has used to ask Chase to check on the status of these funds. Chase as failed to respond to the recipients request or the trace request submitted by XXXX on XX/XX/XXXX. Chase did respond to the first Wire Transfer Recall request stating they needed to receive an ok from the beneficiary, recipient, to release the funds. Indicating that they had deposited the funds in a wrong account, because the intended recipient has stated and offered to share their account ledger showing they have not received the funds. 
We are now 33 days past when Chase received the funds and they have not responded to the Trace request, submitted on XX/XX/XXXX, and has not returned the funds as a result of the Wire Transfer Recall request, submitted on XX/XX/XXXX. 
Since Chase has been remiss in its responsibilities to communicate to the request from XXXX and the intended recipient, I need help to recover my XXXX.
Product: Student loan

I had been attending XXXX XXXX XXXX for my XXXX degrees. During that time, their financial aid office handled all transactions with my private loans and federal loans. I have signed documents from these times applying for the federal loans and they dealt with the transfers of my private loans to several parties. During that time I noticed that when they transferred my loans from one private lender to another my loans increased in each by about 20 % -30 %. I do not recollect any documentation of any " interest '' or " fees '' that would state my overall loans would be increased to add on another 20-30 % of my entire loan.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and TransUnion are attempting to suppress my Credit Score, Credit Report and my FICO Algorithm by Not reporting ( ACCURACY ) as required under the FTC and you CFPB 15 U.S.C. instructional directives for Fair Credit Reporting Act, section 1681 & 1682. Tradeline, account ; XXXX  XXXX XXXX, account ending XXXX balance was paid and there isn't a {$2000.00} balance. XXXX XXXX, loss mitigation with XXXX XXXX XXXX along with the XXXX  of the XXXX XXXX, XXXX XXXX has assured me that they have Reported this account as a PAID, XXXX balance as of XX/XX/year> for which I paid as a XXXX Consumer. Also my Vehicle with XXXX XXXX XXXX is being suppressed as well in it's intentions by XXXX, my high credit is {$27000.00} the balance is {$13000.00}, this is a charge off account, there are No Terms, there's no {$590.00} a month payment due, there's no 60 month. I need both TransUnion, XXXX and XXXX to get their Discriminatory knee off my Consumer neck as a XXXX Consumer in their attempt to suppress my Credit Score, Credit Report and FICO Algorithm by Not reporting ( ACCURACY ), I see the threat, but I Fight Back, undo this apparent threat ( you ) the Consumer Financial Protection Bureau. Also there's a Chime account on my Credit Report showing a {$63.00} balance owed, this is a secured credit card, I never had a balance on this credit card, I spoken with Chime on several occasions and they've confirmed that they've never Reported a Balance due on this account, XXXX undo your Threat to me personally as a XXXX XXXX  Consumer with eyes to see and ears to hear. Also there's an account, XXXX XXXX XXXX, Collection account, Not a other account too, but these criminals are Reporting both in the Algorithm cycle with intentional efforts of suppressing my Credit Scores, but I FIGHT BACK as a XXXX Consumer. Bottom line, XXXX take this Collection account out of the Other section of my Credit Report, I see you and I see what you are doing and attempting, but again as a XXXX Progressive Consumer, I FIGHT BACK like exposing you criminals with the CFPB, I would handle this in Federal Court, but I've got 2 in front of you criminals, see I'm Not interested in these XXXX XXXX and XXXX XXXX  against me as a XXXX XXXX XXXX. XXXX I'm on to your threat and your Game, but leave me alone, Stop with the White Supremacy threats, I FIGHT BACK but only in the Courtroom.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several 30 day late payments dated reporting to all three credit bureaus as shown on the attached XXXX screenshot. I 've disputed the information several times, but the results keep coming back the same. I 've attached two statements from XX/XX/XXXX and XX/XX/XXXX2016 to show where my payment in the amount of {$62.00} via ACH were not late and withdrawn every month on the XXXX as scheduled. Also attached is a payment ledger from XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 attempted to get a mortgage loan through XXXXXXXX XXXX XXXX and was denied due to a old collection account that is slated to fall off my credit reports this year or already has been removed. 
Advantage Credit a credit Reporting Service was the company responsible and i firmly believe its credit information isn't up to date with the other XXXX major credit reporting companies.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and found fraudulent accounts on it. Could you please remove these accounts? They're negatively affecting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent a letter questioning the Trafficking 's law. I send all documents ad they did not send me any response besides the letter that will be attached and I will send by fax and by mail. Equifax only sent me responses that the names were corrected and deleted, but not the ( 1 ) account that I requested to be removed.
Product: Mortgage

I have a Mortgage Loan which is currently being serviced by SLS. They got this Loan from XXXX, with whom I started the HAMP Loan Modification process XX/XX/XXXX - about 4 Years back. I have submitted tons of documents in the last 4 Years but am getting rejection after rejection for wrong reasons. A case in point is the latest rejection from SLS vide their letter dated XXXX XXXX XXXX ( copy attached ). They are saying that they are unable to create an affordable payment equal to XXXX % of my Monthly Gross Income which is totally wrong based on the figures they have given themselves in the attached report. The Unpaid Balance ( $ XXXX+ $ XXXX ) is about $ XXXX. 
If we apply the HAMP Standard Waterfall steps, at 2 % for 40 Years the Principal and Interest figure comes to about {$2100.00}. If we add the Escrow figure of {$790.00} ( $ XXXX+ {$630.00} ) they gave in this letter, the PITI come to {$2900.00}, which is well within the XXXX % ( {$2900.00} ) of the Total Monthly Gross Income ( {$XXXX} ) they have shown in this letter. In fact if you see the Escrow amount given in the attached Mortgage Statement, it is only {$610.00} and if we take this Escrow figure, then the XXXX % PITI figure comes to only {$2700.00}, which is well within the 31 % figure of {$2900.00}.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX ) for unlawfully sharing my nonpublic personal information with multiple non-affiliated third party, despite my explicit written notice opting out of such disclosures. 

On XX/XX/year>, I provided XXXX with a written opt-out notice to prevent the sharing of my nonpublic personal information, as permitted under the Gramm-Leach-Bliley Act ( GLBA ), Regulation P and 15 USC 6802. 

However, I recently discovered that XXXX shared my nonpublic personal information with XXXX, and XXXX, both of which are non-affiliated third party, in direct violation of my opt-out request. XXXX has been reporting information on my XXXX  account ending in XXXX, from XXXX. This unauthorized disclosure constitutes : 1. A violation of the Gramm-Leach-Bliley Act ( GLBA ) Specifically, XXXX failed to honor my opt-out request for sharing nonpublic personal information. 
2. A violation of CFPB Regulation P Governing the treatment of consumers private information and requiring financial institutions to respect opt-out elections. 
3. A breach of NFCUs Privacy Policy XXXX explicitly provides opt-out rights to customers. 
4. A violation of 15 USC 6802. 

This unlawful disclosure has caused me tremendous financial harm, emotional distress and inconvenience. I have not been able to secure me and my family with the needs necessary to pursuing our happiness. I have been denied for necessities like loans and bank accounts. I have been humiliated by my peers for lack of providing adequately and shamed by my family. This has inconvenienced me to the point in which I can only hope to recover.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies in the numbered entries listed below : Your XXXX XXXX & XXXX XXXX XXXX According to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately. 
By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up.

Under the terms of the Section 168 li of the Act, you have 30 days from receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety. 
Also, pursuant to 15 U.S.C. Section 168ld of the Act, please notify me when the items have been deleted. XXXX XXXX XXXX  XXXX a XXXX copy of my credit report to the below address. According to the provision of Section 168lj, there should be no charge to this Dispute