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

On XX/XX/2022, I received a call from someone using my credit union phone number. They said there were suspicious activities on my account and needed me to verify whether I made those charges. As we were going through the transactions, I was sent a code to verify so that the charges could be reversed. However, what happened was that they gain access to my bank account and wired out approx. {$20000.00} in XXXX separate transactions. As I was speaking to the credit union later that afternoon, XXXX of the wire transactions failed and part of the money went back into my account. The scammers changed my email and phone number. I have been working with my credit union to reestablish my account but I have not been able to get this done. I have called every day and each time the member service person gives me a different answer and indicated that someone would be calling me.
Product: Mortgage

XXXX  applied for home modification f or 1 st mortgage thru GMAC. R eplied back stating we did not qualified because of Colorado Unemployment status. Instead offerred a Non Hamp Loan Modification Agreement with Debt Forgiveness o n 2nd mortgage also By GMAC. Reviewed agreement, specifically asked if this was a fixed rate interest of 1 percent for the life of the loan. Stated that we were confused because it para. 4 it   states " IF '' a step agreement then the below listed step schedule for increased interest would apply.  XXXX   XXXX  who was presenting the agreement to us stated " No it was not a step rate '' and referred us t o para. 4, 1st sententance that states this is a fixed rate of 1 percent for the life of the loan. If this was a step rate it would clearly state that this is a step rate agreement and the below listed schedule for interest rate increase would be followed. First time Ocwen tried t o increase my interest, I called Customer service and they agreed that this was not a step rate agreement and they would have it fixed. Now beginning in  XXXX  and contiuing to  XXXX  they have determined that the step rate schedule is implied and have raised my payments accordinly. Complaint s to Ocwen has resulted in customer service, their research dept, and Omsbudsman stating that para. 4 definitely states that this is a step rate agreement. That the word " IF '' implies this. No where in my agreement does it say that this is a step agreement or that the fixed rate is temporary for a short period of time. It states if and says it is a fixed rate for the life of the loan.It also states in para. 12 that there are no impied agreements by the lender unless written in this agreement. Ocwen keeps adding words in their r esponse that implies action other than what is written in plain english.
Product: Mortgage

I have a {$720000.00} mortgage with Wesbanco. I lost my XXXX XXXX during the pandemic and came to an arrangement with Wesbanco to put my mortgage payments on hold for several months. I kept in close contact with the bank and when I resumed payments I was told that I had to make a number of lump sum payments ( between 5-10K ) to account for back payments. When I completed all of those payment I thought my payments would continue as normal. Instead this is the case : 1. I receive dual statements from Wesbanco each month. One says that I owe {$5100.00} and the other says {$6800.00}. Very difficult as a small business owner, single father of XXXX children to budget accordingly. 

2. I have asked Wesbanco employees repeatedly IF the mortgage has increased, why? What would case a 25 % increase in a single year? I was told by one employee that I would be emailed a breakdown- it never arrived? I have been passed around to SIX different Wesbanco employees and no one is able to explain this to me?? All I have been told is that I need to pay Wesbanco nearly {$20000.00} more this year. 

3. I have asked repeatedly why, XXXX XXXX, a contractor that works for a Consumer Workout Group, has to MANUALLY take money from my account each month instead of software like EVERY other bank I deal with. Some months when human error occurs and XXXX takes the mortgage twice it is a real problem for me ( and can not be standard banking practice ). This is clearly a Wesbanco unresolved software issue. 

4. Why do I CONTINUE to wake up to frustrating, distracting emails informing me that I have a FAILED TRANSFER when I have MORE than sufficient funds in my account? Currently I have nearly {$13000.00} in my account yet I received a letter from Wesbanco today threatening to report me to a Credit Bureau because I have insufficient funds to pay the {$6800.00} they are demanding? 

I have tried for many months to resolve this matter. I have sent countless emails, been on the hour for hours and have spoken to more Wesbanco employees than I count. Banking shouldn't be this hard.
Product: Credit reporting, credit repair services, or other personal consumer reports

cant give me information ... chargered me XXXX, cant cxl subscription. my credit score dropped 65 points in one shot and no one can tell me why ... Its a joke
Product: Credit card

XX/XX/XXXX - I payed my {$95.00} CAPITAL ONE MEMBER FEE XX/XX/XXXX - My account was suspended due to fraud detection XX/XX/XXXX - I submitted all the necessary information. 
XX/XX/XXXX - I was called saying my information could not be validated and to be resubmitted. 
XX/XX/XXXX - I resubmitted all the documents. 
XX/XX/XXXX - Without any notice or call for which I was told I would be - Capital One Closed my account. 
XX/XX/XXXX - I noticed my account was closed and called and was not told what could not be validated as well as what I violated. I was told my member fee would not be reimbursed for a card they allowed me to have for less than a month. As well as any miles that I had EARNED on the account. This is ridiculous as they basically can not tell me why they closed my account and are refusing to reimburse me.
Product: Debt collection

I did not authorize or sign a HIPPA form for Trojan Professional services , Inc. to access my medical records and this company is violating HIPPA.
Product: Debt collection

This company has sent me multiple papers saying that I owe them debt offer different numbers of money right around the time I was supposed to be receiving my aunts money from her, passing, not only that the state of Minnesota recharged me with multiple of my XXXX  that have already been paid, including my XXXX  XXXX, so I know that this company is only garnishing my wages, or trying to collect debt to get money, which I think that they have been successful of because they sent me multiple notices not only that the companies that said I owed them were using abusive practices saying that I owed them when I didnt, and I told them that my identity was being used and they didnt do anything
Product: Prepaid card

Is back in 2001 I was receiving Unemployment bank of america would not Release my money for over XXXX years Now they're trying to. 
Compensate me
Product: Prepaid card

I am writing to file a formal complaint regarding an issue I am experiencing with an American Express gift card ending in number XXXX. I received an {$800.00} gift card as a XXXX present. Despite multiple attempts to use the card for purchases, it has been consistently declined. I have verified that the card is properly activated and that all of its sufficient funds are still available. 

I have contacted AMEX customer service numerous times to resolve this issue, but my concerns have not been addressed, and I have been unable to access the funds on the card. This has caused significant frustration and inconvenience, as I am unable to use the gift card as intended. 

I am requesting the CFPB 's assistance in resolving this matter. Happy to provide more information re : the card and my information to expedite this. Thanks so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to inaccurately report an account that was paid offf-settled in full as a charged off account owing a balance of {$2900.00} to Equfax.This has prevented me from finding a suitable home.
Product: Debt collection

Nationwide Credit Corporation refused to give a receipt on medical debt paid unless I wait 30 days and then call them back to make the request for a receipt. 

We are not talking about letting a company have time to process and send a receipt. We are talking about a company that does not let you REQUEST the receipt for 30 days. They are ILLEGALLY hoping I forget to call them back. I see NO LEGAL reason for them not making a note of my REQUEST for a request when they take payment. 

If CFPB thinks this policy is OK, please send an explanation of what legal purpose anyone would have to refuse to allow me to REQUEST ( not receive ) a receipt until 30 days after payment is received over the phone. 

I can not clean up finances and prove that deductibles are met without the receipt. It should not be so hard for me to get a receipt. This is clearly a scam to make sure I pay more money than I should.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Submission Consumer Information : - Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX FL XXXX - Date of Submission : XX/XX/XXXX Bureau Information : - Bureau Name : TRANSUNION - Address : XXXX XXXX XXXX XXXX PA XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Requested Resolution : I request that TRANSUNION conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : ( If applicable, list any documents you are including with your complaint ) Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to obtain my credit report from TransUnion. After attempting to login, the login paid continued to notify me of incorrect credentials. I clicked a link for forgotten login information and was taken to a page that requested my FULL social security number twice and my last name. After completing the information and clicking the submit button, the page refreshed to an empty form as if i never completed the information to begin with. I then contacted Transunion and explained the problem. I was transferred to the " online team '' and was told by an agent they could send me a reset password link to my email. I was sent a password reset link and used the link to change my password. After changing my password I was sent a verification code. After entering the code on the website I then received a message that said " Identity Verification Failed : Failed safety check ''. I told the agent on the phone the issue and he started to speak but then i heard nothing. I tried to stay on the link and hear any response and heard no response. I had to hang up the call and call back. The second time calling back an agent picked up and I was told to hang up and call the online team 's number, instead of being transferred. The agent from the online team asked me for my full social security number, which was not asked for during the previous conversation with the online team. I notified the agent that I was concerned as I did not give that information out last time, and his language was mean, " snippy '', and unprofessional so I decided to hang up the call. I then called again and after getting to the online team for the third time, I explained my login issue again. This agent did not ask me for my full social, he asked me for the last 4 digits of my social security, name and birthday. It was very difficult understanding him. After verifying that information I was told TransUnion locked my account to identification failure. This did not make sense to me as weeks prior was on the account and disputed some accounts on my report. I completed the verification process when signing into the account. I was told to send in personal documents to unlock the account. I tried to gather information about the documents needed to send in and became frustrated not being able to understand the agent. I am being locked out of my account for identity problems yet I am getting notifications through XXXX that accounts on TransUnion are being updated with false information. So TransUnion is allowing my account to be updated yet I am not being allowed to login to see the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward the information to DISCOVER BANK. Thanks!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX  emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  XXXX  - XXXX XXXX  - XXXX XXXX XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and I have had enough of repeating myself! I have submitted police reports, identity theft reports, and all necessary documentation multiple times, yet these fraudulent accounts remain on my credit report. This is absolutely unacceptable! I demand that these accounts be removed IMMEDIATELY. Your failure to act has severely impacted my livelihood, and I will not tolerate any further delays. Take action NOW! Account name XXXX XXXX Account number XXXX .... Recent balance {$49000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$55000.00} written off. {$49000.00} past due as of XX/XX/XXXX. Important note Account name XXXX XXXX XXXX Account number XXXX .... Recent balance {$48000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$48000.00} written off. {$48000.00} past due as of XX/XX/XXXX. Account name XXXX XXXX XXXX  Account number XXXX .... Recent balance {$55000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$55000.00} past due as of XX/XX/XXXX.
Product: Debt collection

Dear XXXX XXXX XXXX Mosaic I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX  and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am XXXX!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX Balance : {$8300.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 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: Checking or savings account

I made a cash deposit into my savings account at Bank of America with an teller inside of the branch, on XX/XX/2023 for {$500.00}. On XX/XX/XXXX the bank had taken {$460.00} of my money. And cause my {$150.00} for my cell phone to not clear. And a credit card payment for XXXX XXXX to not clear as well. I am in an active bankruptcy. My bankruptcy was filed in XXXX of this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a recently received my credit report and noticed a bankruptcy on my report that i did not authorize or give consent I know and understand that is a violation to my right to privacy as a consumer according to 15 usc 1681 ( a ) ( 4 ) furthermore I did not give consent to this information to be furnished according 15 usc 1681b ( a ) ( 2 ) this is a violation to my consumer rights I've also contacted the bankruptcy court and have been notified that they do not report to the credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is illegal and the loan was is not valid in the state of Florida, they charged triple the amount of the loan in just interest and that is illegal in the state of Florida. I paid the principal only.