23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a prime example of Willful Noncompliance I am exercising my right under the Fair Credit Reporting Act, Metro II Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1, 15 U.S.C. 1681s-2 ( b ), 15 U.S.C. 1681, et seq, and 15 U.S. Code 1681n, I am request you remove this item immediately. XXXX XXXX XXXX XXXX XXXX account number : XXXX. This account is being reported illegally. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ), furnishers must investigate disputes received from Credit Reporting Agencies ( CRAs ) and correct inaccurate information. See 15 U.S.C. 1681s-2 ( b ). 
Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to another entity ( XXXX XXXX ) -Accounts not reporting monthly updates. 
-Willful Noncompliance 15 U.S. Code 1681n ( a ) IN GENERALAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of
Product: Debt collection

This is a complaint from XXXX XXXX against Atlantic Credit and Finance for Atlantics failure to provide requested information for the debt alleged. On XX/XX/18 Consumer received a demand letter from creditor, XXXX. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.

It has been over three months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit card or prepaid card

After scheduled payments were terminated by the Fifth Third Bank, they failed to contact me or alert me that my account was delinquent and accumulating late payment charges!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Exeter Finance and XXXX they are fraudulently reporting an account that is hindering my credit profile. I have contacted these companies about this and there was also a third party company that reporting this account on my profile in error. The third party company eventually deleted this derogatory account on my profile after a complaint was made by me about them. The original debtor refuses to hear my case after multiple attempts by me telling them that I never agreed nor signed documents agreeing to a loan with them. I made a complaint with the FTC and now I am filing this and they still are not responding to me and they are not responding with what I need to get this off of my profile. This is Defamation of character and destroying my polished credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced Identity theft. My Emails have been hacked, credit cards open. numerous credit inquiries, among many other things. My credit Karma has also been hacked and passwords changed. I can not get in to my credit karma account. I have frozen all 3 credit bureaus. I made numerous attempts through Credit Karma customer service to shut my credit karma down as the identity thief uses credit karma to monitor my credit activity. I am requesting that anything relevant to my Social Security number with credit karma be immediately shut down. Also anything relevant to my two Emails with credit karma be immediately shut down : XXXX XXXX XXXX ID Recovery Case # XXXX Credit Karma customer service is difficult to reach and offers no help when you do finally get them. Also filing a XXXX XXXX XXXX  against their customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2010, I MOVED to XXXX. I left the state of XXXX, XXXX XXXX and XXXX XXXX XXXX is collecting on unauthorized electric bill charges to a residential address that the bill was paid in full upon my departure from the state of XXXX. XXXX XXXX is wrongly collecting & reporting & refusing to remove debts and old account information almost seven ( 7 ) years ago and not owed from old creditor files and information
Product: Mortgage

XX/XX/XXXX - and before this date : Working Truist/BB & T Mortgage to get a modification and mortgage assistance. This is the 3 rd compliant with the CFPB and requesting assistance from your agency for a margin to assist with Truist Mortgage. I have asked you for assistance, but you continue to let them send me letters and tell me that there is no assistance. There is always assistance when it comes to homeowners and theyre not really trying to assist me. They just want to take my home so I need assistance and this workaround there is no way that, you can tell me that some liens that are not even part of my home, or the attached to a business from the IRS will prevent me from modification when in the past, I have had another property assisted with a modification and didnt hear anything about the lanes and its the same kind of loan so its just mortgage company that does not want to assist and help me. They just want to do a short sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reports i have an outstanding balance of {$770.00}. The company name that shows up is Car Financial SERVICES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Everytime i call i am told there is no record and then i am hung up on. 
Which I did purchase a vehicle at XXXX XXXX in XXXX XXXX XXXX Mn. in XXXX. Paid off by XXXX.
Product: Debt collection

I received a letter from Credit Control , LLC regarding an alleged credit card debt owed that they wanted me to pay. I replied with a letter I sent to to Credit Control , LLC asking them to please document and verify the alleged debt. The letter I sent included a request for A front and back, true and correct copy of the alleged signed agreement bearing my signature. This is for full and complete disclosure, which is required to demonstrate validity under globally accepted contract law.Credit Control, LLC response to my request was to send me a document which they said was an account summary. I never received verification of this alleged debt. Would you please investigate this? 

Disbuting the debt.
Product: Mortgage

I missed some tax payments and let insurance lapse which accumulated to over XXXX dollars for which we and Ocwen Loan Servicing were to work out a repayment agreement in or around XXXX of 2018. I completed a budget worksheet to determine how much monies i could repay them monthly, i did receive a letter stating that the repayment plan was approved and that i need to send back the contract signed and the first installment however as i have been calling Ocwen every month in the first week only to be put over to someones voicemail and to never get a return call, I keep telling them that i never actually recieved an actual contract to sign and return back and no one is calling me back or has attempted to send me another contract so i have been sending them XXXX per month but my checks never get cashed or even returned. so I pay my housing insurance and my taxes and i keep sending those checks hoping this isnt going to happen but i think it is because no one will get back to me or give us a chance to complete a repayment plan. I have even sent them notices stating this via tracked mail. i have tracking numbers that they have been recieved
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Wells Fargo credited my credit card account with the amount {$660.00}. This was a random erroneous credit that I did not initiate in any way. 

This temporary credit then negated my autopay scheduled for late XX/XX/XXXX. This then caused me to miss my XXXX monthly bill. Wells Fargo did not email or text me about any of this ( despite my election to paperless notifications ) and only sent me a physical letter months after the fact, which received XX/XX/XXXX. 

This late payment then caused Wells Fargo to freeze all my rewards points, fine me, and report to the credit agencies a missed payment as being my fault. This then lowered my credit score over 100 points. 

And after hours on the phone with Wells Fargo on XX/XX/XXXX, they promised to fix it and follow up, but still nothing has been addressed about this erroneous late payment report on my credit statement for two weeks. When I talked with Wells Fargo on XX/XX/XXXX, they didn't seem to believe any further action on their part was necessary, so I had to initiate the process of requesting they fix my erroneous credit report all over again.
Product: Student loan

Loan processor is blocking my ability to pay them thru ACH unless I forfeit control of my bank account to them thru ACH. ACH can be initiated by the customer or lender. 
Since the loan processor has already made many errors on my loan account, I am not about to hand over control of ACH debits to them. I want to maintain control of ACH amounts & due dates. 

The loan processor messed up the amount and due date for my student loan. I still have not gotten them to agree that they made errors, and in the mean time they are claiming I am 15 days overdue & they are going to report me to a credit bureau. 

So I am forced to pay even before they fix their errors. AND they REFUSE to give me their bank routing # s so I can send payment electronically. They INSIST on them controlling the ACH withdrawls. Since they have already screwed up the amount, the due date and refuse to acknowledge their mistake, I am NOT about to hand over control of my bank account to them! I can send ACH payments while controlling the amount and date on my end, NOT them controlling when & how much they take. 
I want them to give me the relevant info so I can send ACH payment on my terms. I do NOT want to hand over control to them so they can take what they want & when they want. 

This should be a blatantly obvious right of customers to control what amount & when they send out of their own bank account. Loan processor refuses to give me that option unless I hand over all control of ACH to them!
Product: Checking or savings account

i am writing to request your assistance in obtaining why USAA is refusing to return funds they ( USAA ) have blocked from my XXXX XXXX accounts. USAA has unfairly deemed that I knowingly participated in a 1st person fraud. As stated in all my statements, i was a victim of a cloned phone showing the USAA callback logo and account take over ( XXXX ) on XX/XX/2022. On XX/XX/2022, I moved funds from USAA to XXXX XXXX for safe keeping until USAA could guarantee the account ( XXXX ) was safe from fraudulent activity. 
I have attempted on multiple occasions to inform USAA that XXXX XXXX has locked funds that i transferred from USAA. The USAA XXXX have repeatedly told me that USAA does not contact third party banks. I presented this information to XXXX XXXX and XXXX XXXX informed me that USAA contacted them ( XXXX XXXX ) on XX/XX/2022 via phone and via letter on XX/XX/2022 to lock my XXXX XXXX accounts. As of today, XXXX XXXX told me that a USAA representative XXXX ( XXXX ) XXXX XXXX contacted them ( XXXX XXXX ) informing them not to release the funds to me. NOTE : I was contacted via phone by a so called XXXX XXXX XXXX XXXX with an XXXX accent with a Texas number. 
USAA is no longer suffering a financial lose after the movement of the {$5000.00} USD to XXXX XXXX. As noted on the USAA attachment, my bi monthly salary deposit covered the lose caused my the returned {$5000.00} USD draft that I had no knowledge of until after the draft was completed. 
I am begging that XXXX XXXX and USAA can come to realization that the money that is being held by XXXX XXXX by request of USAA is in fact my money not money manufactured by the fraud. Additionally, I have requested multiple times that USAA fraud contact me thus far USAA fraud has not contacted me now provided a number to contact them.
Product: Checking or savings account

On XX/XX/XXXX, an Alliant Credit Union savings account was opened in my name which I did not open. I found out about the account being opened on XX/XX/XXXX when I saw some welcome emails & received a letter in the mail with a pin #. 
I called Alliant on XX/XX/XXXX and spoke to someone who could not tell me why an account had been opened in my name. She took information & said someone would call me within a day but I have not received a call back yet.
Product: Debt collection

My information was stolen and used for a utility bill Ive been XXXX  too many times to even have any debt owed. XXXX XXXX is the dates they have down Ive been in North Carolina for 3 yrs. The amount is XXXX.
Product: Checking or savings account

Facts follow : ( 1 ) Called the CFPB ; ( 2 ) woman on phone failed to submit the facts ; ( 3 ) complaint ID # was XXXX ; ( 4 ) writing complaint now myself ; ( 5 ) the woman wrote the following on my behalf verbatim, " Dear Wells Fargo, Please confirm the audio record of my call to you a few days after XX/XX/2021. Specifically, regarding a debit of {$52.00} that disappeared from my banking ledger, and, a subsequent conversation with a woman who did not make sense on the phone ; '' ( 6 ) the CFPB woman doubled checked with me if she wrote the complaint right, but still made mistakes ; ( 7 ) fact, the correct " Your Complaint '' follows, " Dear Wells Fargo, Please confer the audio record of my call to you a few days after XX/XX/2021. Specifically, regarding a debit of {$52.00} that disappeared from my banking ledger, and, a subsequent conversation with a woman who did not make sense on the phone ; '' ( 8 ) addendum follows, written by Mr. XXXX, " Dear Wells Fargo, envision in your mind ( a ) where's my item I bought from XXXX?, ( b ) ok I'll check my bank account on my/the unreasonable Wells Fargo Mobile Application, ( c ) what the XXXX!, WHERE IS THE {$52.00} DEBIT FROM A FEW DAYS AGO!, ( d ) I am going to call the Pentagon, ( e ) I am going to call Wells Fargo and talk to a human being now! ; '' ( 9 ) then, continuing, conferring clause ( 7 ), and focusing specifically on the woman who spoke with me from Wells Fargo on XX/XX/2021, fact, this woman said unreasonable things, particularly, paraphrasing, something to the effect " A credit of {$52.00} is showing on your account ; '' ( 10 ) No, it is not, THAT'S WHY I CALLED YOU!, FACT!, I WITNESSED A {$52.00} DEBIT, THEN A FEW DAYS PAST, THEN, IT DISSAPEARED FROM MY ACCOUNT, WHERE! IS! THE! CREDIT! FOR {$52.00}! ; ( 11 ) then, the Wells Fargo Banking Application Rep said something to the effect, " Oh, it just disappeared, don't worry about it, they disappear and crediting your account is irrelevant, it was XXXX 's fault ; ( 12 ) WRONG WELLS FARGO WOMAN!, XXXX WOULD HAVE CREDITED MY ACCOUNT, period ; ( 13 ) WELLS FARGO DOES WHAT XXXX  WANTS, FACT ; ( 14 ) WHERE WAS THE CREDIT OF {$52.00}, PERIOD. 

End of complaint. 

Note : Fact, I hate, the Wells Fargo Banking Application downloaded from The XXXX XXXX XXXX. Period. Fact, I do like/love, human beings, particularly, logically-minded, genuinely-nice, life-experienced, men and women, young and old, specifically, ( i ) mathematicians, ( ii ) physicists, ( iii ) chemists, ( iv ) constitutional attorneys and constitutional judges/justices, ( iv ) medical doctors that uphold the Hippocratic oath, ( v ) genuinely good bankers, ( vi ) good-willed policemen/policewomen/agents/military/paramilitary. 

End of note. 

Note Post Script - Adduce computer scientists as well, specifically, Mr. XXXX XXXX, and, Mr. XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I received a notification that my checking account was overdrawn. When I took a look, I saw that over the course of 2 days XX/XX/XXXX and XX/XX/XXXX, there were multiple charges from XXXX XXXX totaling over {$4000.00}. When I looked at the app I noted that these charges were made within minutes of each other in large amounts up to {$400.00}. I will admit that I have the XXXX 's app on my phone and that I have used it. But my usage is minimal and not with the frequency or the amounts that it was utilized over those two days XX/XX/XXXX and XX/XX/XXXX I immediately called XXXX 's to report this. That evening I obtained a police report and faxed a copy to XXXX 's and Chase Bank where I have my checking account. XXXX 's told me that they were able to trace the transactions to my cell phone. I worked long days on XX/XX/XXXX and XXXX. I am an XXXX XXXX XXXX XXXXXXXX at an assisted living facility and not allowed to carry my personal cell phone on me. I have been given a cell phone provided by my employer that I carry instead. My cell phone in the wallet case that allows me to store my driver 's license, credit card, debit card, is left on a desk in the office while I'm out working and running around on the floor. I hate to believe that someone got a hold of my phone and went into the valley app where my debit card is connected and ran up all those charges. I work in a very busy building. We have third-party providers my coworkers, residents, their families and visitors. I can only imagine that someone accessed my phone without my knowledge. Yes, I have played online games with XXXX 's casino. But I did not play over {$4000.00} worth in such a short amount of time. I'm a single mom with a mortgage and I'm currently in the process of refinancing my mortgage. I am the sole provider for my family, including my MotheXXXX. While taking a closer look at these transactions, it was clear that my bank continued to authorize payments to XXXX 's even after my account was already overdrawn. On XX/XX/XXXX I also contacted my bank to notify them of all of these charges that I did not authorize. At the conclusion of their investigation, I was notified that my claim was denied because XXXX 's confirmed that the transactions were made from my cell phone, the same phone used for previous transactions made through their app that I've admitted were mine. But I stressed to them that I did not authorize the transactions made on XX/XX/XXXX and XX/XX/XXXX! I need help recovering the money that was essentially stolen from me. Please. My checking account remains overdrawn. I have automatic payments being presented to my bank. My mortgage payment was returned and NSF fees continue to accrue. This has been awful. I have canceled my credit card and closed my XXXX 's account, because I'm sure that whoever did this has also written down my information to take with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have with this company disputed this account over and over to be told that this account has been updated and validated and requirements are met! I am wondering how that is being truthful and that the account was vaildated when it is still reporting inaccurate information and violation of my rights keep being done and I am very sick of my credit being hindered over reporting inaccurate information when this is gassing my rights and it needs to be deleted RIGHT NOW. This is reporting information that isnt even the same on other credit files and also you do not even have a original creditor information LISTED so how is it possible this account was vaildated IT NEEDS TO BE DELETED NOW I have included screenshots of this account and you can see the information isnt the same across all boreds and listing wrongful information and I am sick of being told it is vaildated and violation of my rights keep happy. Al the dates are inaccurate of last payment or date closed or date open or account type or even who the Original creditor is you keep stating u vaildated this account but how if it is still reporting inconsistencies and this needs DELETE of this ACCOUNT NOW!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Case Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Prepaid card

I am writing to bring to your attention a concerning experience I had with American Express Serv Card Services. As a loyal customer who has been doing my taxes at XXXX XXXX for the past XXXX years, I encountered several unauthorized charges on my American Express Serv Card XXXX years ago. I promptly called to dispute these charges, and I was directed to speak with a representative from the fraud department. 

Unfortunately, my interaction with this representative was highly unprofessional. He insisted that the charges were legitimate and that I was still liable to pay them. His tone was rude, and he dismissed my concerns about compromised passwords and potential phone security issues. To my dismay, he even laughed at my situation. 

In response, I faxed over a detailed declaration of truth along with evidence of the unauthorized charges. Despite my efforts, I faced further challenges. Recently, when I filed my taxes at the same location in XX/XX/XXXX, American Express Serv Card Services informed me that they were holding my tax refund. Their reason? They needed to determine the amount owed due to fraudulent subscriptions that I had been reporting for the past XXXX years. 

I promptly sent a letter disputing their decision to withhold my funds. In this letter, I reminded them that I had reported the subscriptions as fraudulent back in XX/XX/XXXX. Furthermore, I emphasized that withholding my refund was against my rights as a consumer. 

I sincerely hope that my conversations with the fraud department are being recorded, as the unprofessional behavior I encountered was uncalled for. As a responsible cardholder, I seek resolution and fair treatment. 

I still have not received my federal or state income tax checks yet. 

Thank you for your attention to this matter. I appreciate any assistance you can provide in resolving this issue promptly.