23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Went to annualcreditreport.com and filled out information and when it should have come up digitally with the report to look at, it only said can not fill your request and gave instead something to mail. Are we doing this wrong??? We are afraid to try again because it said only one free report a year, but we have not received one!!
Product: Checking or savings account

( Please See Attached Documents ) This happened on or about XXXX XXXX, I went to Bank of America atm system to withdrawal my last {$40.00} out of my checking account. I went to use the local metro subway to purchase the metro card as I gave the lady one of the {$20.00} that BOA dispensed out of the atm system and to hear the little money I do have is fake. I was flabbergasted to hear such words. I immediately gave her the other {$20.00} and she was able to collect such. Now I am stuck with a fake {$20.00} bill and now no money. That caused me great embarrassment and distressed. I am a elderly and to hear my last little dollars I do have is fake, from such a large company like BOA. I put my trust into this banking institute. I immediately went to BOA to have this matter addressed only to be looked as a fraudster. To take the {$20.00} and not reimbursement for this distraught moment I had to endeavor. The branch said to me that they would investigate the matter and I would be notified. I allowed weeks of communication through email and countless times having to go back into the branch to only get no end result in my dispute FOR SIMPLY {$20.00}. Now as I stated, BOA you are a large company to you {$20.00} is chump change, but to me the consumer that was my last, my all, and I am loooking for the reimbursement. I still hold on to that because the level of stress it has caused me.
Product: Checking or savings account

I would like to link my bank accounts to XXXX for the purpose of buying stocks and building a portfolia. 

PNC have this blocked, I was unaware of any block in place, and by doing so they are restricting would I can do with my own money.
Product: Checking or savings account

This complaint is about Wells Fargo. 
I have been using the Wells Fargo bill pay for close to 20 years and periodically had trouble but nothing like today When I tried to send a check to a friend who had advanced deposit money for a hotel that had been booked by the friend for me and my wife I received a form notice numerous times when I tried to submit the transaction The notice stated that the transaction could not be completed and I should call the stated number in the notice that appeared on my computer screen. 

I called and spent a total of 3 hours among various WF personnel who kept advising me that I had to go to a branch office to remedy the problem. 
NEVER in all the time I was on the phone trying to find out what was going on with MY MONEY that WF held did anyone say anything other than this is a random hold on your account and you must go to the branch office to speak with a person at the branch When I placed a call to the branch the officer at the branch said I must bring a tablet or a lap top into the branch so that whatever was going on that prevented me from accessing my own money could be dealt with. 
When I protested and said I insisted the branch office person get in contact with a superior and find out how I could access my money and call me back before I spent another 3 hours trying to access my own money and perhaps having to go to the nonsensical trouble of going to the branch office with MY DEVICE the branch person said they would try. 

15 minutes later the branch person called me and said he had spoken to a superior and that person told him that the bill pay is " down all over the country '' and they expect it up late to day or tomorrow I SPENT 3 HOURS of my time before I was finally told this is a WF problem and had nothing to do with my security which had been the WF position until I became adamant ONLY A BANKING ORGANIZATION THAT IS WITHOUT ANY CUSTOMER RESPONSIBILITY WOULD BEHAVE IN THIS NEGLIGENT AND RECKLESS MANNER.
Product: Credit card or prepaid card

PenFed is reporting a credit card ( XXXX XXXX # XXXX ) to the credit bureau. I went to PenFed in XXXX XXXX last year and told them that PenFed is reporting a credit card that I don't recognize to the credit bureau. They told me that all my account are up to date in good standing. I gave then a copy of the report and then they started the investigation. A few month ago they recognized that there was a flaw in the sistem and they corrected the issue. PenFed again this month reported it as un paid amount around {$60.00} and with interest is close to {$290.00}. This acount appears for the first time in my penfed account a few weeks ago. All my PenFed account are up to date except that one they add to my account, I have actually 3 cars loan, 3 credit card with them in good standing... And now it appears in my account that credit card with negative results. I contact them via phone and they told me that that what the system shows... I personal went to PenFen in XXXX XXXX to report this issue AGAIN... I can't believed it!!! It takes common sense that for {$60.00} XXXX will mess my credit and my other account is in outstanding. I'm in the process to by a house and now is in hold till I resolved this issue... Please can you expedite this case thanks in advance...
Product: Credit card or prepaid card

Purchased a XXXX miner system on XX/XX/XXXX of 2021 for {$460.00}. Item was never shipped. Company eventually sent email offering refunds but they now tell me they can not process refund as they have a problem with their credit card processor. PLENTY of similar complaints about company on XXXX, XXXX, XXXX, etc. 

Contacted Chase, they gave a temporary credit but are now reversing that because they say XXXX has XXXX day limit. Company committed fraud by taking money for an item they never had, but XXXXVisa is refusing to do a chargeback even though evidence was submitted showing that the charge was fraudulent.
Product: Credit reporting

I resided at Edge XXXX XXXX OH for XXXX month and left after my contact expired paying all my bills in full. However the management sent my account to collection agency and reported me to credit bureau stating there are an outstanding balance of {$960.00}. I reached out to XXXX which is the management and i was told i have to pay a sub leasing fee of {$960.00} although, there is no agreement made between me and XXXX and my contract was maintained until i left and there were no violation whats so ever. I left after XXXX month residing at XXXX because i was relocated to Michigan for work and i supplied them with a documentation stating my situation and I brought in a new tenant my self to take over the remaining XXXX month rent without any cost to XXXX or any damage to property. 
Despite all my effort to leave the property in a good term XXXX decided to billed me {$960.00} which i strongly disagreed. 
As a result I have a derogatory marks in my credit history hence XXXX reporting. I would like the bureau to remove this derogatory marks based on inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2022, I have been sending certified letter to XXXX, XXXX, and XXXX. There are inaccuracies on my report that are negatively affecting my report. I have asked XXXX and XXXX to show what they found out on their investigations SINCE XXXX and they have refused. They have no proof that the accounts are mine. XXXX has not given me an update via mail on the investigation results ; they are far beyond 30 days.
Product: Debt collection

Aargon Agency opened XX/XX/21 {$2600.00} I received multiple harassing phone calls where they threatened to damage my credit. I tried to resolve this with the company but they did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

The In accordance with the Fair Credit reporting act 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  Has violated my rights. 

15U.S.C. 1681 section 602A. States I have the right to privacy 15U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I am invoking my rights under the FCRA, FDCPA, and relevant sections of the IRC, and I request that the CFPB mandate this reinvestigation to ensure full compliance with the law. Failure to address these ongoing issues will result in further escalation to other regulatory bodies, including the Federal Trade Commission ( FTC ) and the Internal Revenue Service ( IRS ), to ensure that my rights are protected. I am submitting this third complaint against LVNV Funding LLC due to the ongoing and unresolved issues related to their handling of a debt that they claim I owe. Despite filing two previous complaints, LVNV Funding LLC has persistently failed to provide the necessary documentation to validate their claim, such as the Assignment Transfer or a valid contractual agreement with the alleged original creditor, Verve. This failure to comply with legal requirements raises serious concerns about the legitimacy of their actions. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am entitled to a thorough reinvestigation of any disputed information on my credit report. Given that LVNV Funding LLC has not met their burden of proof by providing the required documentation, this account should not continue to be reported on my credit file without proper validation. Their continued reporting of this debt without adequate evidence violates the FCRA 's requirement for accuracy and completeness in credit reporting. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), LVNV Funding LLC is legally obligated to provide verification of the debt upon request. Their repeated failure to furnish this verification, despite my persistent requests, constitutes a clear violation of federal law. This ongoing non-compliance necessitates immediate and decisive action. Additionally, I believe there are potential violations of the Internal Revenue Code ( IRC ), specifically IRC 6050P, which mandates the issuance of a 1099-C form if the debt has been forgiven or settled. Any inconsistencies in the reporting of debt ownership or false statements regarding the value or transfer of the debt could also constitute a violation of IRC 7206. These are serious concerns that may warrant an IRS investigation into LVNV Funding LLCs tax reporting practices. Given the persistence of these violations and LVNV Funding LLCs failure to comply with federal law, I am demanding a thorough and immediate reinvestigation of this account. If LVNV Funding LLC can not provide the legally required documentation to validate their claim, this account must be removed from my credit report without delay. Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

Remove address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Add address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX, XXXX, and Equifax have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 reasonable cause to believe that the data is inaccurate.
Product: Debt collection

I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified. PLEASE DELETE the following account immediately for failing to comply with FCRA. XXXX XXXX XXXX THANK YOU FOR YOU TIME This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX  XXXX XXXX immediately thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries on my report that are inaccurate and affecting my score. I need this rectified. I have tried reaching out to the creditor contact XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX in hopes of resolving this issue. I have never purchased a vehicle from this automobile dealership. the inquiry date is XX/XX/2021. I have no idea who used my information to try and get a car loan. There were multiple inquiries made on the XXXX under experian. An additional one was done on the XX/XX/2021 a day later. This is severely affecting my credit score and is being reported on there inaccurately.
Product: Checking or savings account

Bank of America closed my account when they should not have closed it and they also took funds out of my account when they had no authorization to do so.
Product: Debt collection

I am writing in regards to two collections on my credit report. I am unsure who the debt collectors are and they have not notified me in any form in regards to the debt they are attempting to collect. The account is showing they are on behalf of XXXX. I did not have a contract, not contact, with the collection company after the accounts were charged off and closed with the original party. The account was reported on XX/XX/XXXX, by XXXX XXXX XXXX, in the amount of {$480.00}, however closed date shows XX/XX/XXXX. The second account was opened on XX/XX/XXXX as well in the amount of {$100.00}, however the closed date shows XX/XX/XXXX. I am unsure who this company is, never communicated with them, and I have never signed  documents in regards to the debt.
Product: Debt collection

I discovered upon XXXX credit report that i am being charged a duplicate medical bill created upon same day. When attempting to call the creditor to resolve the situation i was spoken to in hostilities and had phone hang up in my face. The account reads as ARS ACCOUNT RESOLUTION XXXX owing XXXX dollars on XXXX ( original creditor is XXXX XXXX XXXX ). I had medical insurance in any event. This account is duplicate to ARS ACCOUNT RESOLUTION XXXX owing XXXX dollars on XXXX. I contacted the collection agency at XXXX who was a XXXX female providing the most disrespectful tones and hostilities against me the complainant. I do not owe this duplicate bill and it is unfair as well fraud. In fact the XXXX representative would not produce any evidence of any detail reasoning for any the the two duplicate unfair debts. I hope to get this resolved as it has damaged my credit status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a person of integrity. I've worked hard to have a stellar financial reputation. However, discover has poisoned me for almost 7 years now. They keep repeating a fraudulent account onto my XXXX  credit report. I've disputed and disputed to no avail. I've requested to be shown original documents as I'm entitled to under section 609 of the fair credit reporting act and neither discover nor XXXX  complied. This is my last attempt to have it removed before I seek Justice via trial by jury as outlined in the 7th amendment of the Constitution.
Product: Credit reporting or other personal consumer reports

Dear Consumer Protection Bureau, I am writing to bring to your attention a matter concerning Experian 's, XXXX 's, and XXXX 's handling of my personal identifiable information on my consumer credit report. Despite my explicit request, Experian, XXXX, and XXXX have failed to honor my request for the deletion of all personal identifiable information from my consumer credit report, with the exception of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX Consumer reporting agencies, including Experian, XXXX, and XXXX XXXX are bound by law to exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy, as stated in 15 USC 1681 ( a ) ( 4 ). By failing to grant my request, Experian is in direct violation of 15 USC 1681 and all its subsections, which protect my privacy as a federally protected consumer.

I base my request for the deletion of my personal identifiable information on the following provisions : 15 U.S.C. 1681 section 602A, which grants me the right to privacy.

15 U.S.C. 1681 section 604A Section 2, which prohibits a consumer reporting agency from furnishing an account without my written instructions.

15 USC 1681 ( a ) ( 4 ), which emphasizes the need for consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

15 U.S.C. 1681c ( a ) ( 5 ), which limits the reporting of adverse information to items that antedate the report by more than seven years, excluding records of convictions of crimes. 

I respectfully request that you instruct Experian, XXXX, and XXXX to honor my request for the deletion of all personal identifiable information from my consumer credit report, as per my rights under the Fair Credit Reporting Act and related statutes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts : XXXX XXXX XXXXXXXX XXXX Balance {$2200.00}, XXXX XXXX XXXXXXXX XXXX Balance {$3900.00}
Product: Bank account or service

I deposited {$240.00} through the atm to transfer to another account with Wells Fargo. I was showing a positive balance and made the transfer. The next day, I looked and saw that my account was negative because of pending transactions ... I immediately made a {$40.00} deposit. 
Later on the same day, they charge me {$35.00} for the transfer that was made. This is a lie because the bank does not allow you to transfer funds if the funds are not available. This is how they post it : XXXX/XXXX/16 OVERDRAFT FEE FOR A TRANSACTION POSTED ON XXXX {$220.00} ONLINE TRANSFER TO XXXX CHECKING XXXX {$35.00} XXXX/XXXX/16 ONLINE TRANSFER TO XXXX CHECKING XXXX REF # XXXX ON XXXX/XXXX/16 {$220.00} This is a lie. It is impossible to transfer funds you do n't have to another account. Since they post it incorrectly, the fee is not valid and I should not be charge this {$35.00}. They have an obligation to be accurate and it is not okay for the banks to get away with charging fees on excuses.
Product: Mortgage

I applied for a mortgage with Pentagon Federal Credit Union. After I received no response, I called to check on the status of my mortgage application. A mortgage broker named XXXX XXXX spend one hour scolding, lecturing and belittling me because I have a large education loan. 

She refused to listen to me when I told her that the loan was in income based repayment ( IBR ) and that my loan was current with a XXXX payment due.

She told me I should get another job, and work more hours. When I told her already worked 12 hours most days, she said that I should be able to find more work.

XXXX  then stated that XXXX XXXX policy prohibited PFCU from offering me a loan. When I asked to speak to Underwriting or her Manager, she refused and said that I was did not deserve to speak to anyone else because I was " the most horrible person she had ever spoken with. '' I did not curse at XXXX, in any manner, and simply told her her was " snide. '' She then spent about 15 minutes, again lecturing, scolding and belittling me. I asked her if there was any hope of her helping me and she said no. I told her I was concerned because PFCU had already done a hard inquiry on credit. She said that was " too bad. '' After I hung up, I researched the XXXX XXXX policy that XXXX hammered and raged at me about and discovered she was wrong. Because I am in IBR, and my account is current, my educational loans are not considered in my Debt to Income ratio. 

I emailed XXXX XXXX again, and asked her politely to again look at my mortgage loan because she was incorrect. She did not respond. 

It is my certain belief that because I am a person of XXXX, XXXX XXXX discriminated against me, and refused to provide equal access to PFCE 's mortgage products.

I am a member of PFCU and have never made a late payment of any kind- to any creditor- in over 25 years. I previously paid off a car loan and a mortgage with PFCU. 

XXXX refused to look at my credit and payment history, collateral or income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX  XXXX/XXXX Now I have discovered that the items has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX and XXXX XXXX XXXX  XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XX/XX/2021, I paid Ginny  's the balance that I owed. I don't owe them anything now. But they are reporting to the credit bureaus that " I am still late. But paid balance. So I file a complaint but they refused to stop reporting that I am late.