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

Digital fraud Identity theft Harassment My account has been frozen several times without warning or an alert notice Theft of debit card and funds System /systematic error that came from within bank of america According to bank of america agent my account is and has been targeted and seem to be picked up by several individuals Bank of america has unprofessional employees that are not competent to handle customer service calls and issues accurately, and at a appropriate time
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 these Items ( A ). It is not permissible to fail to validate these reporting items 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 XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$1200.00} U S DEPT OF EDXXXX XXXX XXXX : {$1900.00} U S DEPT OF EDXXXX XXXX XXXX : {$1900.00} U S DEPT OF ED/XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XXXX XXXX, 2022 XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX DEPT OF ED/XXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX XXXX : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$700.00} US DEPARTMENT OF EDU XXXX XXXX XXXX {$1900.00} US DEPARTMENT OF EDU XXXX Balance : {$1200.00} US DEPARTMENT OF EDU XXXX Balance : {$1200.00} XXXXS DEPARTMENT OF EDU XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} Original XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX Inquired on XXXX XXXX, 2022
Product: Checking or savings account

1. My wife and I and our businesses have XXXX accounts with Wells Fargo. One is an XXXX ( XXXX XXXX account in Colo. ), 2 are mortgages, 5 are personal savings and checking and XXXX are business accounts for various corporations and partnerships.

2. After noticing that the checking ( account # XXXX ) and savings account linked to one partnership ( XXXX XXXX ) had failed to receive funds, we began researching and founds that Wells had closed the account. We called Wells and they confirmed the accounts had been closed and a check was sent to me on XXXX XXXX. It is now XX/XX/XXXX and no check has been received. The total between the two accounts is about {$31000.00}.

3. I received phone messages ostensibly from Wells on XX/XX/XXXX and XXXX and returned them on XXXX XXXX, at the number given in the messages. The person answering the call asked many questions - username, birthdate, account number, debit card number - after answering these I told the person I was uncomfortable as this could be a phishing scam. They said to call the number on the back of my debit card. 
4. I called the number on the back of my debit card, and was advised that Wells had not tried to reach me, the calls were probably a phishing scam and to monitor my accounts closely.

5. I then called the number on the website to ask about the status of the {$31000.00}. They were unable to answer any questions and recommended I call yet another number. I called that number and a recorded message said to leave a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did call XXXX XXXX Early of 2019 ( XXXX of 2019 ). To ask for a settlement and I did not want to call them during that time because I only had. {$4900.00} with me. But I still did. I did not agree with all of it and wanted to see if they can do a settlement for me but these accounts are inaccurate. I wanted to settle it but they Told me the loan was sold. 3 weeks later- I filed for a dispute with Transunion XXXX XXXX XXXX failed to do this again. Unable to provide me any proof. For example, the loan shows now I owe {$10000.00} when it was XXXX. Date was also incorrect. XXXX can't give me any information and Transunion keep telling me XXXX XXXX responded to us and told us these accounts are valid '' 2 years later ... .Ive been sending dispute letters and nothing had happened. How is it considered sold? and still consider it as charged off? Transunion failed to provide this information too. How am I supposed to pay and make a settlement when they couldn't even find me? If it was really sold. They should've told me where to contact the new creditor. Transunion failed this and for the 10th time. I am still unable to resolve this. 

Some of these accounts are already 7 years old. I consulted a lawyer about this but even told me its not worth it to settle these accounts because its so old. If I did settle this 4years ago. It'll make more sense.
Product: Payday loan, title loan, or personal loan

I called Prosper to understand the interested they charge and if it is possible to reduce the interested and the monthly payments. 
The company offer me more loan. 
I am a Caregiver and I make $ XXXX/ hour. I am struggling to pay all the debts. Can you help me, please? I am divorced and XXXX years old of age. Please, help me.

XXXX XXXX.
Product: Credit reporting

I have sent certified letters to all creditors to which I have a dispute. My understanding of the FCRA is that the creditor is to note my account to a credit reporting agency as disputed within 31 days of receipt of notice. I checked my credit report with all XXXX credit reporting agencies, and my creditors that were notified did not note my accounts as disputed within their alloted 31 day timeframe. I sent the credit reporting agencies a certified package containing the page of the credit report showing that dispute is not noted, and a copy of the certified reciept and green card to prove that 31 days have passed without the creditor noting the account as disputed. XXXX has fixed my report. Experian and XXXX refuse to remove the disputed accounts even though the creditors are in violation of the FCRA 31 day notice. XXXX took it upon themselves to mark the disputed accounts as disputed, something I DID NOT ASK THEM TO DO. I specifically sent them a letter requesting they remove the account due to the inaction of the creditor. I am requesting the CFPB to enforce the FCRA with XXXX and Experian and have them remove items that I disputed with creditors that are not marked disputed BY THE CREDITOR. I also have a bankruptcy on all XXXX reports that I have disputed, and I have not been given information as to where the investigation data came from to support keeping them on my report. They also do not state disputed by consumer. A current lawsuit with XXXX concerns the requirement that the source of public records are revealed to the consumer ; where did the credit reporting agency get their data? Just listing public records is insufficient. I have been working on clearing my credit report ever since a fraud alert was placed on my account in 2009. It has appeared and disappeared many times without my taking any action to remove it. XXXX has stated they will put a fraud alert on all XXXX reporting agencies for me, but I need to have the disputed data removed. I also want XXXX to remove the dispute that was put on by their agency. I did not request and do not want them to post the dispute. I want the creditor to post the dispute. My attention is with the creditor, not the credit reporting agency who is not working on my behalf but on the behalf of creditors who pay to use their services. XXXX has some sketchy procedures including not removing items proven disputed and not noted, as well as disputing items that were not requested by a consumer. They state that any communication from a consumer equals a dispute to them. I am adamantly opposed to XXXX for verification, and believe this system is unfair to the consumer. I hope that the CFPB can remove the items from my Experian and XXXX reports as requested since I have made a good faith effort via certified mail repeatedly to creditors to discuss these accounts. I am requesting that the CFPB provide the legal service of removing the disputed items as required by the FCRA since Experian and XXXX refuse to do so on their own.
Product: Credit card

To Whom It May Concern, I am writing to report an issue with a recent purchase I made on XXXX. I ordered a bike that did not arrive on the expected delivery date. After waiting for over XXXXwo weeks without delivery, I decided to cancel my order. Although the shipper claimed they attempted to deliver the bike and that I refused the delivery, I did not receive any communication or calls from them. 

During this time, I contacted XXXX to inform them of my decision to cancel. XXXX confirmed the shipper 's claim, despite my clear communication that I had not received the bike. Due to the extended delay, I purchased a different bike. 

Now, the charge for the undelivered bike remains on my credit card account. I filed a dispute with my credit card company, but they informed me that the payment has already been processed, and I am still responsible for the charge. Additionally, XXXX has stated that because I initiated a dispute, I am unable to utilize their A-Z Guarantee for this transaction. 

I would appreciate your assistance in resolving this matter, as I believe I should not be held accountable for a product I never received.
Product: Credit reporting or other personal consumer reports

I have filed a multiple disputes with the companies directly. I have even filed a dispute on this website for the companies about incorrect information on my credit report that they refuse to remove and this has been going on for two years. I have multiple disputes on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing in disputing all inaccurate information on my credit report with experian. checking all the invalid data that is hindering my file please delete an review the information listed asap.
Product: Debt collection

This is a formal complaint against XXXX XXXX and Collections. This collection agency has negatively reported XXXX ( XXXX ) accounts to my credit report and is unable to verify the validity or accuracy of these alleged debts. A recent lawsuit against XXXX found that the collection agency routinely failed to implement proper policies and procedures to ensure the accuracy of accounts. 

The CFPB alleges that XXXX lacked reasonable policies and procedures regarding the accuracy and integrity of the information it furnished to consumer reporting companies, specifically with respect to handling of indirect disputes, which are disputes submitted by consumers to credit reporting agencies. 


Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$270.00} Reporting to : XXXX, XXXX Original Creditor : XXXX Amount : {$750.00} Reporting to : XXXX, XXXX, XXXX These particular accounts are evidence of XXXX lack of accountability. To this day, the collection agency can not share the details of the charges by providing a copy of signed lease/contract with original creditor, itemized accounting ledger of how the total alleged debt was calculated, details or photos of any alleged damage. I have no way of knowing if this debt is accurate or even belongs to me. As such, I am requesting these items be deleted from my XXXX, XXXX, and XXXX files. 
Furthermore, per Florida Statutes s. 83.49 ( 3 ), a landlord is required to notify tenants of balances owed within 30 days or forfeit the right to collect. I vacated the property XX/XX/XXXX. The first notification I received of any alleged debt was from XXXX on XX/XX/XXXX. This is far beyond the 30 days, and therefore XXXX is attempting to collect a debt unlawfully. I have included documentation to support this position. 

Additionally, I would like to make an official complaint of FCOs abusive collections practices. During the first contact on XX/XX/XXXX I was notified of the alleged debt. When I asked for clarification of the charges the agent refused any additional information. Due to the agents hostile temperament I requested to speak to a manager or another agent. The request was met with screaming and insults. This is a clear violation of FDCPA and should be handled as such.
Product: Money transfer, virtual currency, or money service

I have been locked out of my Binance.US Account which prevented me from taking out money or trading cryptocurrency from XX/XX/2021 until about XX/XX/XXXX. In which I sent at least between five and 10 emails to the companys customer service department which day replied we have your ticket number please dont email us I reached out to every member on XXXX that works for by biNance.US And finally my account got restored after two days I got shut down again and I can no longer take out money nor take out cryptocurrency from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments for months. Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX   XXXX
Product: Credit reporting or other personal consumer reports

15 U.S Code 1681b consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this item immediately.
Product: Credit reporting or other personal consumer reports

All My Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am a big believer in Capital One as I think that they are doing their best to reward their customers. We decided to leave XXXX and join the capital one ranks with their Venture XXXX card. We did this because if you spent {$500.00} in the first 3 months you would receive XXXX miles. We spent well over the amount and were wondering where our miles were. We reached out to the company and the customer service told us that we did not qualify. I was shocked because it said on the site that if you are approved and spend the amount of money you will receive the promotional offer. The customer service rep was of no help and tried to get us off the phone. This is unacceptable from a company such as Capital One and I expected much more from them. It seems like they are lying to get people to sign up. Please don't do that. We are loyal customers trying to make a difference in this world just like you are. Help us out. Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mortgage loan with Specialized loan Service ( SLS ) and this company always report wrong info to the credit agency and lately I lost 15 point because I am not making my payment. I make my payment on time and my payment is current. also they increase the payment any time they like, my mortgage is set for fixed rate. I am getting tired and sick of what they doing, is no one to enforce these type of companies I need help please. If you have any questions please feel free to call me at XXXX Thank you XXXX XXXX
Product: Mortgage

my complaint is against Hindman Sanchez now Altitude Community Law PC. They have violated many laws in dealing with me since XX/XX/XXXX. The most recent one is financial fraud. They obtained my home for their client XXXX through a sheriffs sale. The judgement was a default judgement whereas I provided the court with a Dr. note prior to trial date as I was hospitalized with XXXX. The judge was close friends with the plaintiffs attorneys and ruled against a continuance.

Nonetheless they proceeded to a sheriffs sale on XX/XX/XXXX. they received the confirmation deed on XX/XX/XXXX.  they filed an intent to cure on the foreclosure of my first mortgage public trustee sale # XX/XX/XXXX-XXXX in XXXX county as they are entitled to do. This is where the financial fraud occurred. they sold and transferred ownership of the home on XX/XX/XXXX to XXXX XXXX. Colorado foreclosure statutes requires each junior lienor to file their own intent to cure. XXXX XXXX didn't file an intent to cure and acted under XXXX XXXX cure which is illegal under Colorado law. In speaking the XXXX county office they are clueless and thought the HOA cured the default. XXXX XXXX illegally cured a property he wasn't entitled to cure. Please help??
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter I sent to Experian last XX/XX/2022 was to inform them that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any items and information not later than 4 business days after XX/XX/2022. Ive already included these items in my previous Complaints & I am including them again : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage company does n't have all of my loan origination documents and they claim they are missing my original amortization schedule. I only know this because I called in to make sure PMI would automatically remove itself next month when my LTV hits 78 %, based on the original schedule. I am currently well below that. The company and their reps basically told me that since they do n't have the original amortization schedule that it would n't be removed. Per the PMI removal regulations ( " When the balance drops to 78 %, the mortgage servicer is required to eliminate PMI. '' ) I do n't feel that the company is meeting their requirement as a mortgage servicer.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX/XXXX/XXXX we submitted a short sale package with the Buyers XXXX Docs included. Ocwen has done nothing in two weeks, and are now demanding that the buyer remove the word " XXXX '' from line # XXXX of the Articles of Organization that were filed with Secretary of State - State of California on XXXX/XXXX/XXXX ( see attached XXXX docs ) - OR that we provide Corporate documents for XXXX - which is not possible, since they are not a purchaser in this short sale. 

We have already explained that XXXX is the Service of Process, and this can not be changed. 

Ocwen may not dictate who the business entity would like to use to receive service of process in case of suit. It is clear that XXXX is not a part of the buyer 's XXXX, as they are not listed in exhibit a of the Operating Agreement, nor anywhere else in the Operating Agreement. 

This is undue interference with a business entity.
Product: Prepaid card

My SS goes on my Direct Express card, I paid my rent and that went through fine but when I tried to pay my electricity it was declined, I called to see my balance and they would not tell me, they said it was frozen and I had to send my ID via email, I did that about XXXX times, I sent my drivers license and they said it was expired and it is t until XXXX  and that was clear. I sent my passport, birth certificate and social security card at their request and they still said it wasnt good enough, Ive been without any money for food and bills for over XXXX weeks. They told me to go to the social security XXXX to fix it so I did, SS told me they cant help me with it even though they partner with XXXX XXXX. SS did stop my direct deposit to them but I still have money on the card that I cant access, probably about XXXX dollars. I need that money, my SS is my only source of income.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  I have reporting this information for over two years and it cost me in numerous of way not being to provide shelter or purchase items at reasonable price conducive to my actual credit report. It has my credit score slightly down. I want this corrected immediately. It is registered with a XXXX balance and showing a foreclosure. You can't have a foreclosure and XXXX balance. I also can not have two1st mortgages at the same time. I also have spoke to this mortgage company and they have agreed it is inaccurate and stated it would better if Equifax and the credit. Bureaus correct their information. This information should be expedited on my report as soon as possible. I would this complete by tomorrow, I have waited too long for this process. I can be reached at XXXX XXXX XXXX
Product: Debt collection

I requested verification of debt, debt collector and/or attorney stated they did not have to provide me with proper validation of debt the further stated that copies of past statements were validation of debt. I am not disputing that I owe the company money I 'm disputing the amount I have questions about the debt I requested proper validation of the debt as well as the signed contract from the credit card company and signatures of purchases that I personally made with the credit card none of which I have been given except for copies of statements of two plus years ago.
Product: Debt collection

Allied Interstate LLC is attempting to collect a claimed debt of {$80.00} on behalf of XXXX XXXX. I have never been contacted by XXXX XXXX XXXX in any way. I have a copy of my Vacate Receipt from XXXX XXXX XXXX showing a zero balance. I have rented this space for many years while out of the country and have always paid on time with auto-pay.
Product: Checking or savings account

I work for XXXX XXXX and bank with capital one. My deposit from my job are made for me 2 days before pay day. Unfortunately it is Saturday and still havent got paid which is starting to become a hardship on my life as bills and other payments are starting to fail and lose coverage because payments are not going thru. Capital one is not doing anything to give more info on how or when my hard working deposit are going to be made available for me to continue with my life. This is a HUGE disappointment and disruption in my life as I am basically one paycheck away from losing everything. Feels like that day is today.