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

AGAIN, I SEE- what you obviously cant. 

Laws- that require a bank in this case, to have to answer accordingly. 

Just because I owed SACS accredited colleges, allowing me to teach yes even law. 
As I tried and tried, in REAL TIME- as the so called mishandling was killing us. 

Even that generalized statement- of mishandling XXXX XXXX XXXX had to be FORCED OUT under my evidence to the federal CFPB. 
FORGET my accredited colleges- I tried to stop ALL MISHANDLING- by SHOWING the laws- to BOA XXXX- who proudly stated BOA COMPLIANCE WAS INSTRUCTING HIM TO HUMILIATE DISCRIMINATE AND NOT ALLOW ME TO VIEW MY FEDERALLY PROTECTED ACCOUNTS NOR GET A XXXX. 

Im not required to TEACH Bank of America laws. Never was never should of ever tried, all it lead to was more self incrimination and over obvious-
Product: Credit reporting, credit repair services, or other personal consumer reports

How do I request an investigation of deceptive practices by Equifax? Recently, I checked my credit report and found information in my file that I needed to dispute. When I clicked on " Online Dispute '', I was presented a series of questions that had nothing to do with information in my credit file at Equifax. I answered " None of the Above '' to all of the questions, and was given a response by the website that I couldn't be helped at this time. I XXXX  the issue, and found that thousands of other users reported the same experience. Is there a way to have this investigated?
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included my Synchrony Bank/Amazon card into the program. I completed the program and paid all of my creditors in full. All three continue to report incorrect info to am three credit reporting agencies. XXXX, specifically is reporting the incorrect account number. On all three report the account continues to report as s charge off, even after several dispute attempts and providing proof to the credit reporting agencies that they have been paid in full. Not only ate they reporting an incorrect status, on XXXX they are reporting an incorrect write off amount. There are several errors and inconsistencies among a three reports. I am filing a complaint so that I can find resolve as to why they continue to report incorrect information after being paid in full. Even after several disputes. They are hindering me from trying to improve my credit score and situation. which is why I entered s debt relief program to begin with.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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: Credit reporting, credit repair services, or other personal consumer reports

Transuion 's website promises a free credit report. The ONLY sign up options are paid accounts. When you click the link for a free credit report, it goes to a different website, https : XXXX. This promises reports from all 3 agencies. 

That form never works, so then it directs you to XXXX XXXX XXXX XXXX XXXX and this phone number XXXX. 

When you call that number, they have no idea what you're talking about, and can not help you with the 3 reports you were promised on the previous page that directed you to the phone number. 

This is intentional. There's no way they don't know none of the links work. Transunion is deliberately directing you away from thier website to a service that does not work. 

Can you please look into this?
Product: Debt collection

Transworld systems Inc. Is reporting on my XXXX credit report and I have no knowledge of this item. I never received the notice of the right to dispute from. the company and this item needs to be removed from my XXXX credit report immediately. This same company was duplicating reporting XXXX accounts. XXXX account was removed yet this debt was never validated and I did n't receive proper notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX Credit Card that was issued by XXXX XXXX XXXX but serviced by XXXX XXXX XXXX XXXX. My card did fall behind however I called them in XX/XX/2022 to make a payment to prevent charge off. I made a payment that day of XXXX on the phone and advised I will be paying this account in full before the next pay was due. I asked would the {$56.00} payment be enough to keep the account open and prevent chare off and I was advised yes. I called back a week later to set up the payoff of the balance and learned my account was charged off anyway and sold to XXXX XXXX XXXX XXXX. I tried to speak with someone at XXXX to tell the, this was an error but they refused to speak to me and stated I needed to call XXXX XXXX. So I called XXXX XXXX and set up the payment to pay the account off in full ( {$1000.00} ) on XX/XX/2022. XXXX XXXX only had my account for less than 10 days so they never reported to my credit. But XXXX reported the account as charged off. I filed a complaint with the XXXX  and this was the only time I got a response from XXXX. They stated they would pull the account back and remove the charge off in 30-60 days this was XX/XX/2022. On XX/XX/2022 XXXX has pulled the account back from XXXX XXXX and started the process of removing the charge off but only from XXXX. Then today XX/XX/2022 I was notified that the balance of {$1000.00} has reappeared on my credit. I called to find out why and XXXX stated they don't have the funds from XXXX XXXX although XXXX XXXX did confirm my pay off on XX/XX/2022. I asked XXXX to stop reporting this balance since it was paid to the company they sold it too and it is not my fault they is a break in their process to get the account back that they sold. The payment was made therefore I am no longer responsible for the balance yet they are still reporting as if I never paid the balance in XXXX.
Product: Credit card or prepaid card

I did a balance transfer with BofA last year and set up an auto pay to get the card paid off during the promotional period. The balance was paid in full, on time in XXXX and I cancelled the auto pay of {$620.00}. In XXXX the bank pulled another payment from my checking account and created a credit balance on the credit card. I called them on XX/XX/20, explained the error, provided my routing and account numbers and was told that I would be reimbursed within 2-5 business days. On Friday, XX/XX/20 I called and spent over an hour trying to speak with a human being. At that time I was informed by a front line clerk and a supervisor that the transaction was being processed as a dispute and that it could be up to two billing cycles before I was made whole. This is NOT acceptable and I have gotten nowhere with them.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated the process of transferring my assets held at Truist Bank XXXX XXXX. The requested documentation was submitted to Truist on XX/XX/XXXX. Since then. it has taken numerous phone calls, emails, form submissions, etc to get the bank to slowly transfer some of these assets. However, Truist keeps raising new issues, new concerns, and new ways to drag their feet and delay the transfer of funds. On XX/XX/XXXX I was finally told they had no more concerns and were moving the account to closing. When nothing happened I followed up on XX/XX/XXXX and was told that I would have the funds in my account by the end of the month. This did not happen. Subsequent inquiries were sent on XX/XX/XXXX and XX/XX/XXXX. I received a reply on XX/XX/XXXX informing me my assets would be available by the XXXX. This did not happen. On XX/XX/XXXX I was told to expect the funds to finally be transferred imminently. This did not happen. This is utterly unacceptable and criminal financial stewardship.
Product: Debt collection

A Bank of America account has been fraudulently created using my name and information. I didn't authorize this account nor did I have knowledge of this account when it was opened. Immediately after learning about this fraudulent account I contacted the company directly for them to close the account and deal with the situation. They have not handled the situation. I am demanding that the company dispose of this account and remove my information from their system as well as remove this account from my credit report immediately. This is not fair and is tarnishing my good name and I will not stand for it.
Product: Debt collection

I dont owe anything to community Medical Center where I work I dont owe {$120.00}. I spoke to the billing department I dont owe anything I was told by ICC systems not to communicate with me at all and theyre sending me text messages its against that I told him to stop I dont want to be harassed. I dont owe anything as for the CEO of the hospital system I dont owe anything that bill was paid
Product: Credit reporting or other personal consumer reports

I'm signed up with a company that might be a scam called XXXX XXXX that stops collection people from contacting me. I pay them {$210.00} a month and NEVER signed anything or agreed to the services being secured. On my credit report from Trans Union, they list themselves as XXXX XXXX  and they have listed that I agreed to a secure account and XXXX of service at {$210.00} a month. They show I owe a total of over {$11000.00} which I don't, and this should never have been on my credit report to begin with because this business is just a service I can use or not use per month. It is hard to find them online or get phone numbers for them. I do have an XXXX phone number, while my member ID is XXXX. I need them investigated and I need this {$11000.00} taken off my credit report by them. I did call them to cancel the service o I hope they did this. I very leery of this company.
Product: Debt collection

IQ Data International keeps calling me about a debt that my ex, XXXX XXXX, owes on an apartment that was in his name on the lease. They also say that XXXX paid {$600.00} to have this removed from his name, but then when I call back to confirm, they say that they have never talked to XXXX. XXXX also says they have never contacted him. I advised them they need to contact XXXX about this, but it is now showing on my credit report. Also, the XXXX time they contacted me, they never indicated they were a creditor ( I have had experience with other debt collectors and they always do this ). I also advised that I am going to dispute this and they claimed that I was trying to " evade my debt ''. I have asked for written proof of the amount owed and why the amount has changed each time I talk to them, but they are unable to provide anything in writing. This all sounds very fishy to me and if I am really liable for this debt, I would like to see the proof.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated XXXX XXXX Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness. 
As per XXXX XXXX, I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures. 
It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.
Product: Credit card

I went to a local business in XXXX, Nevada ( XXXX ) to pay for a service rendered on a ring. When I tried to pay with my Chase-XXXX Visa credit card I was refused because the company said they will not accept a credit card with rewards. They said they require a minimum of {$20.00} to use a credit card and it can not have rewards. My fianc had to use her card, which was embarrassing. Then the company said they needed to write down her drivers license information when using a credit card. This worries us greatly from a identity theft aspect. I contacted VIsa and was told to register a complaint because neither of the XXXX requirements was not allowed when making a purchase in good faith.
Product: Credit card or prepaid card

I applied for an apple credit card and was declined after my application was accepted. I received an email on XX/XX/21 stating that my application was reviewed and that I was denied for having too many inquiries and high limits on current cards even though Im paying my bills on time. This is discrimination again me a federally protected consumer who has the right to extend credit.
Product: Student loan

Wells Fargo has been providing misleading advertisements about scholarships through their CollegeSteps program. Wells Fargo also has a scholarship program. Wells Fargo has not made students aware of scholarship displacement, a practice that postsecondary institutions use to force students who have received outside scholarships into additional student loan debt or make them drop out of college. Wells Fargo has known about the practice for years and continues to mislead students knowing that the students will become victims of scholarship displacement. Wells Fargo is using their CollegeSteps program as a way to force students to get their loans once they become victims of scholarship displacement. Wells Fargo must be investigated for their misleading and predatory advertisements and practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy showing on all 3 credit bureaus and I've asked them to verify and provide how that information got on there and they've ignored me and violated my rights by reporting that. I've spoken to the court and they clearly state that they do not report that to any credit reporting agency as you'll see with the attached information from the courts website. 
Experian XXXX XXXX Bankruptcy XXXX Ref # XXXX XXXX XXXX XXXX Bankruptcy Ref # XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Ref # XXXX To my knowledge this is a FCRA violation, am I correct? I want these accounts deleted immediately under the law that says I have a right to privacy ( 15USC 1681 602A )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act, the following creditors have violated my rights : XXXX ( account ending XXXX ) {$23000.00} XXXX XXXX XXXX  ( account ending XXXX ) {$640.00} XXXX XXXX XXXX ( account ending XXXX ) {$23000.00} 15.U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1682 section 604 section 2 states : a credit reporting agency can not furnish the account information without my written instructions.
Product: Checking or savings account

WF froze my account due to many XXXX that customers send to my account. They allowed XXXX to continue flowing in until I was ready to wire the funds to order products they froze my account and noted that the account will be closed on XX/XX/XXXX and funds to be disbursed thereafter. Today XX/XX/XXXX when I called them to enquire about my funds they said theyve extended the closure date till XX/XX/XXXX all while I lose business opportunities. 

I am requesting that they closed my account now and return all my funds back to me or give me access to my funds so that I can transfer them elsewhere. 

Its unfair that they are holding my funds for no obvious reason and then profiting from my funds while I lose on great opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to transunion on XXXX XXXX, XXXX, tracking number # XXXX in regards to a few accounts on my report that are inaccurate. They received it on XXXX XXXX, XXXX. Transunion failed to verify the accounts with adequate proof, with my signature, that these accounts belong to me within the 30 day time frame. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, Transunion was unable to provide me with a copy of the verifiable proof that they have on file for the accounts listed within 30 days of receipt of my letter, and they must remove these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I read about the data breach of XXXX accounts at a background check company. Therefore I immediately tried to Freeze my credit reports so that no one can abuse my credit through identity theft or other means. 

- XXXX credit freeze worked. 

- XXXX made me create an account but asking me to access my credit report rather than Freeze my credit as I was requesting. Then the website asked me to call them - and when I called, the phone XXXX asked me to go back to the website. 

- Trans Union was similar. Online Freeze led me to create an account but did not Freeze my credit. 

- It seems XXXX and XXXX systems are not updated to protect consumers and they are giving us a run around. 

Please help.
Product: Debt collection

I am a victim of Identity theft and have file a Identity Theft Report with the FTC and my local Sheriff Department. I have reported my personal information being stole do to my house being broken into. Afterwards I notice accounts on my credit report that don't belong to me. I have never recieved good and services for this company listed belong. 

I C SYSTEM INC XXXX This collection is the result of Identity theft. Please Delete Immediately!
Product: Mortgage

RIGHT OF RESCISSION AFFIDAVIT Affiddavit of Truth XXXX XXXX XXXX XXXX XXXX prosperity way XXXX XXXX AL XXXX Regions Bank D/B/A Regions Mortgage XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX : Affidavit of Truth This Rescission notice is made Pursuant to U.S Code 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions : Furthermore, you Regions Bank D/B/A Regions Mortgage failed to clearly & conspicuously disclose my right to rescind. 
I XXXX XXXX XXXX XXXX participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. Code 1605 the finance charge in connection with an consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law : You Regions Bank D/B/A Regions Mortgage also accepted a CASH down payment of {$5800.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) you can be fined up to 5000.00 for giving false, inaccurate information and fails to provide information which he is required to disclose and in this case you Regions Bank D/B/A Regions Mortgage willfully did when you failed to disclose and provide all information clearly to me as a consumer. ; Notice that Pursuant to 15 U.S.C 1635 ( b ) upon receipt of this rescission I am not liable for any finance charge, security interest, etc. becomes void effective immediately. 
Take futher notice that 20 days after you receipt of this notice you have to return any money or property given an also terminate and reflect that termination of the security interest placed on the property which in the case is a property located at XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your failure to comply with this rescission will result in civil liability for fraud Pursuant to 15 U.S.C 1640 This Affidavit of Truth is dated the XXXX Day of XXXX in the year XXXX XXXX XXXX XXXX [ Agent/ Beneficiary ] Without Prejudice, All Natural Inalieable Rights Reserved SEAL
Product: Debt collection

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX. I cant say this more emphatically, I have never had a XXXX account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP