23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In 2023, I sold a property and promptly notified XXXX XXXX XXXX of the sale, explicitly informing them that the new owner would assume responsibility for the utility account. I communicated this on multiple occasions and received assurances from XXXX XXXX XXXX that I no longer needed to concern myself with the account, as the new owner would be billed accordingly. 

Despite these assurances, over a year after the property sale and without any communicationsuch as letters, phone calls, or billing statementsXXXX XXXX XXXX  have sent these bills to collections companies who are now demanding payment for an accounts that I no longer own. 

XXXX such collections agency being The XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, IA, XXXX ; phone number XXXX demanding {$1100.00}. The second being the collections agency being Online Information Services, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC, XXXX, phone number XXXX, demanding {$800.00}. This account has been sent to collections without any prior outreach to me, resulting in a detrimental impact on my credit score at a crucial time when I am in the process of securing a home and mortgage rates. 

The actions of XXXX XXXX XXXXXXXX have caused significant harm to me and my family. We are now at risk of losing the home we have put an offer on and are in the final stages of closing. This situation has created substantial financial and emotional distress for us. 

I kindly request that XXXX XXXX XXXX immediately remove all derogatory notifications related to this account from my credit report and restore my credit report to its proper standing. This action is necessary to allow myself and my family to progress with our home purchase and mitigate the harm caused by this oversight.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 DSNB MACYS XXXX XXXX XXXX XXXX. We have disputed the account.
Product: Credit card

I've had at least 6 phone calls with Goldman to resolve this issue. First phone call in mid-XXXX  was to inquire about my XXXX balance as the statement shown didn't add up. 

A case was opened as person I spoke with couldnt explain it. I called twice to check on case progress as my payment was coming due. It took 3 weeks for me to receive an incomplete response in XXXX to my original inquiry. While waiting for this response my payment was coming due. I called to inquire on progress and explicitly asked how to handle the upcoming payment and was told that because I had disputed the balance, I would not be charged interest. 

In fact, I was charged interest and the card company is refusing to refund all the interest charges. This is my first ever partial payment and I want to be clear, I made a partial payment under the companys representation to me that interest would not be charged. If the associate made a mistake in providing this guidance, it is not on me and I shouldnt have to pay. 

To add, it took an additional 3 people, each at a higher level, and over 2 hours on the phone to finally explain my balance discrepancy. In fact, during my 6th call, the manager that called me almost gave up and wanted to create a case to be reviewed. Goldmans obscure accounting of my activity and balances led to several different explanations as to the discrepancy in my purchase activity and total balance due. At one point telling me that the extra balance due was due to incomplete XXXX payment when I had it on autopay for full amount and was told the reason interest was not charged in XXXX was due to some weird accounting done by Goldman. Turns out that was not the case, but again, it took an additional phone call and an extra hour to resolve the mystery. 

I took every action to ensure I would pay my balance on time. I called Goldman several times to get an explanation of the balance due, I called to inquire about case status before payment was due, and I explicitly asked how to handle the upcoming payment and was told that because it was in dispute, no charges would accrue if I didnt make payment. Luckily, I did pay the majority of the balance on time. I didnt pay the amount I could not understand, and no one could explain to me in a timely manner, why it was being charged. Goldmans inability to explain its own statements and the incorrect information provided to me can not possibly be my problem to pay for.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with ( ORIGINAL CREDITOR ) XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX. i do not have a contract with XXXX XXXX. They did not provide me with the original contract as I requested. 

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 USC 1681 They 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 a 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: Credit card or prepaid card

XX/XX/XXXX ( payday ) went to use card at store and was declined. Went to ATM couldn't get money out. Called mywisely they stated they made my card inactive until I send in documents to validate, I own the account. Been using this prepaid card given to me by my employer XXXX since XXXX and out the blue they need to verify I'm the owner. Documents from the list I chose and uploaded were : stated id, social security, utility bill, payslip from employer all showing my first and last name that's the same as the name on my wisely account. Sent these on XX/XX/XXXX and was told to give 3 business days called back on Tuesday XX/XX/XXXX and was told those documents don't suffice and my birth certificate and marriage license are the only documents that can prove that I'm the owner of the account. Do not have access to these documents and no matter what mywisely continues to not give me access to my prepaid card by keeping it inactive. I tried to close the account they said I can't until I send in those two mentioned above and its now three pay periods, I have not been able to have access to the money I worked for because mywisely refuse to make my card back active. Due to this I have been late on rent and charged fees due to mywisely refusing to accept the valid documents I sent in with reference number being XXXX I had to give when uploading the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

With that being said, why hasn't XXXX and Experian Credit Reporting Agencies removed the following accounts that are inaccurate Whereas XXXX XXXX XXXX XXXX removed the accounts that were inaccurate, that are the same ones on XXXX and Experian Credit Reporting agencies. I have filed a complaint against these agencies, they have failed to remove the inaccurate accounts, two times prior, to this current complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did have a credit card with XXXX XXXX XXXX. But I used it once, and paid it off. Now over 2 years later, you are requesting some kind of payment when I paid off the amount back then, and the credit card was for only {$300.00} limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf. I have been a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information related to this matter. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to include the following hard inquiries : 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: Debt collection

I got a call from my ex-husband, daughters saying that they a have a pkg to delivery in my name these people are calling all family members and also texting them. I do not have an account with them they said if I would pay XXXX they would not summons me to court. I called the number they are texting from and calling and I explained to them I do not have a credit card with them nor do I owe them anything they said this is from XX/XX/2014 and I owed XXXX but they will settle for XXXX. I said send me the paperwork and they said no you will be summoned to appear in court and hung up on me. the number they are calling from is XXXX and XXXX. They have even called my work threating. my ex-husband I have not been married to for 35 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Friday I asked the bank to transfer XXXX The bank XXXX ties to pull XXXX instead. 

XXXX bounced and then they stole the XXXX When I called last night they told me they sent it back just now to the external bank and I didnt tell them to. 

My bank has an employee who has been doing evil things with my account. 
They turned my debit card off while I was at the airport on purpose last week. And this week they sent my funds back after being caught stealing them and putting my account in the negative. When I called they claimed they just sent it back when I tried to renew my hotel stay. 

But if they sent it back my account should not be in the negative for what was sent back. 

They told me this on the phone as they tried to skate around getting caught stealing XXXX. By pulling XXXX then stealing XXXX by claiming XXXX returned when I never asked for XXXX to be transferred. 

They claimed they sent it back but my account was in the negative XXXX ( XXXX. ) available. 

They stole my money then transferred more than I asked. Then sent what I actually asked for back. And then left my bank erroneously in the negative as they them stole funds that they never received after making my account negative by mistake. 

They got caught stealing then tampering then stealing something they claim they sent back AFTER I called last night.
Product: Credit card or prepaid card

I had to finance a broken A/C in the summer of XXXX using a Wells Fargo XXXX XXXX card. At the time I setup the card, I elected for paperless billing which in this case, involved the bank posting a PDF of the bill on their website. I also setup online bill pay to pay the minimum amount with a plan to pay off the card before the interest free promotional period. I made an error in my calculations and did not attempt to pay the balance until XX/XX/XXXX, as it turns out, a little over a month from when the period expired on XX/XX/XXXX. I was charged the interest for the promotional period. I contacted the bank on XX/XX/XXXX to see if they could remove the interest as their paperless billing option obfuscated the warnings for the promotional period running out ( they print it on the back page of the bill they post online ). While I acknowledge my responsibility to understand my terms, I think Wells Fargo hides the appropriate information.
Product: Checking or savings account

Netspend closed all accounts, including but not limited to eight bank cards, leaving access to absolutely no funds. After numerous unauthorized transactions occurred, including but not limited to hotel charges, the bank decided to close the accounts, no notice was given and the accounts were closed by their risk management team. There's over a XXXX dollars in unauthorized/disputed transactions, but they advised there's only {$30.00} in the accounts. Netspend is trying to avoid taking a loss on the transactions by terminating the accounts and leaving the customer stranded and without money. Customer believes this situation has staged and he's possibly being framed or setup.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX and Equifax. The complaint numbers were XXXX ( XXXX ), XXXX ( Equifax ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, XXXX and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by and of the bureaus to resolve anything, even after filing a complaint for getting no responses! I'm also aware that there was public data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX  and Equifax must be held accountable and to the standards clearly outlined in the FCRA.
Product: Consumer Loan

Hello, I am filing a complaint against Nissan Finance located in XXXX, OH for harrassing phone calls. These calls started on XX/XX/2017 and have come at a rate of at least ten calls per day, everyday to current date. The calls are starting at XXXX to XXXX ET. They are coming from XXXX mostly, however, since I am not responding they are calling from several other numbers. I have explained to Nissan that I am running behind on meeting my obligations on time each month however, have paid them each monthly payment, although late. Currently I owe one month ... but continue to receive harrassing calls. 
This company has violated the FDCPA laws by calling before XXXX & after XXXX. They are calling multiply occassions every day. I am requesting actual damages of XXXX per call due to debt collector that has & continues to violate the FDCPA.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED FOR LETTER TO EQUIFAX IN REGARDS TO INACCURATE LATE PAYMENTS WITH XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened an account with XXXX XXXX XXXX on XX/XX/2020 sending them {$500.00} to purchase XXXX cryptocurrency. I sent another {$500.00} on XX/XX/XXXX. I would now like to sell my XXXX and now find out that my account is frozen. I have been trying to speak with someone for XXXX  days XXXX sending many emails every day XXXX now to unfreeze my account. I also called and was only able to leave a voicemail to which I have not received a response. I went to their XXXX page to see if I could contact them there. They do not let you post a message but after reading the comments about a credit card they are issuing, I found many disgruntled customers who are having the same problem, many of them up to XXXX weeks ago. 
Since I do not want to wait XXXX or more weeks to hear from them, I am lodging this complaint hoping you can do something. It almost seems like there is no one there. Is this a scam company? I am getting worried I have lost my money. This company seems to have good good reviews on the internet but how can they operate if they won't help a customer? I would like them to unfreeze my account so I can remove my money because I don't want to do business with a company like this.
Product: Checking or savings account

I have an account with BBVA Compass. They have held two consecutive paychecks for undefined amounts of time. When the deposit is made, they do not tell me how long the check will be held. The last time it was 9 days. I have no clue how long my current check will be held. It is not listed on the receipt nor can they tell me when i call customer service.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year> I sent letters to Equifax. So I'm writing to bring to your attention a concerning issue I have encountered with Equifax and several companies reporting information to my credit file. Recently, I discovered discrepancies on my credit report related to late payments associated with accounts from the following companies : XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX Upon discovering these discrepancies, I promptly initiated a dispute process with Equifax, requesting documentation to verify the accuracy of the reported late payments. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccuracies on their credit reports and receive documentation supporting the accuracy of disputed items within a reasonable timeframe. However, despite multiple requests made to Equifax, they have failed to provide me with the necessary documentation within the required timeframe. This failure to comply with FCRA regulations has hindered my ability to address and rectify the inaccuracies on my credit report, thereby causing undue stress and frustration. I believe that the actions of Equifax and the aforementioned companies are in violation of FCRA laws, which are designed to protect consumers ' rights and ensure the accuracy of credit reporting. I kindly request that your office investigate this matter and take appropriate action to ensure that Equifax and the companies involved adhere to their obligations under the FCRA. Additionally, I seek assistance in obtaining the documentation necessary to resolve the disputed late payments on my credit report. Thank you for your attention to this matter. I look forward to your prompt intervention and resolution of this issue.
Product: Checking or savings account

Dear Sir Sir Wise Company Closed My business account without any notice and mail. Sir I know that I accept his terms and conditions. Then Tell me what the illegal activity in my account that they closed my account so i just want to know give me any valid proof that they have in my account so they closed. that a illigal action that they are closing accounts without any reasons.
Product: Checking or savings account

XXXX - XXXX of XXXX i experienced gross fee charges from my bank close to over {$1000.00}. After I discussed with bank to no avail, I was extremely careful since. Then in XXXX and XXXX of XXXX i made another mistake with a creditor, and incurred almost another XXXX USD in fees. When i spoke to their " customer support '' ... they simply acted like this was normal and my fault or my creditor 's fault. I asked the creditor if they were responsible and they pointed me back to bank being the massive fee collector. 
So, now, i have been on phone with " customer support '' last week and today regarding the magical invokation of atm overdraft protection they tell me I invoked 2 years ago. 
This time they only collected {$170.00} in fees from me in XXXX. 
However, i asked operator if they could mail me policy in print that lays out the criteria for suddenly acting on my XXXX request to " opt in '' to overdraft protection for my debit card ( without my knowing of it ) ... then using that sudden opt in status to steal 10 % of my income upon my auto deposit. 

In other words, in at least 1 year prior to this, i never noticed the bank using atm overdraft protection on my behalf and getting charged fees for it. 

I'm quite aware of my monthly balance and i feel direct and immediate repercusions from each fee they XXXX out of my auto deposit. 

So WHY did they suddenly decide to invoke atm overdraft protection ( instead of just declining transaction as in the past ) this last XXXX of XXXX, costing me {$170.00} out of my XXXX auto deposit? 

Also, why is there no escalation path with Bank of the West when customer service tells you excessive fees are the customer 's fault??? 

I am finally getting away from these thieves to a local credit union, but it's a shame they can get away with so much $ in fees by collecting them and blaming the customer when they speak up due to their excess fee charges upon single mistakes. 

It's quite clear : look at my account history and see that atm overage payments were not made until this last XXXX. If you look, you will not find atm payment and associated {$35.00} fees for MANY months prior to XXXX. 

I spoke to a branch magager a year ago regarding the many hundreds i was charged in fees and they simply don't care. At that time they never said I was " opted in '' for atm overdraft coverage. 

Why would I want atm overage coverage and volunteer to be charged {$35.00} for each instance. 

I would never have KNOWINGLY signed up for this ... regardless, WHY did it appear to be invoked for XX/XX/XXXX? 

I'm tired of the customer service telling me it's all my fault somehow. In other words, they have assured me all the fees they charge me are ligit. Feels like financial XXXX to be honest. 
cheers
Product: Debt collection

Theres a consumer I have the right to privacy, I never gave ideal collection services permission to furnish or collect on a debt pursuant to 15 USC 6802B, USC 1692, 15 USC 168I ( 5 ), 1681 s-3 ( a ) My rights have been violated, and I am requesting that this account be deleted and remove from my consumer credit report
Product: Debt collection

XXXX claims that I owe them because their equipment was not returned but in fact, it was returned using their packaging and their shipping label two days after they delivered the return box and label to me. XXXX support would not provide any assistance on verification of the receipt of the returned equipment. They would not provide information on how I could contact the recipient of the equipment to follow up on its status. Their absolute refusal to provide information about the recipient of the returned equipment seems disingenuous and the subsequent collection program seems like a scam to try to collect money that 's not owed to them.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX  XXXX ACCOUNT # : XXXX I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX and Transunion. They ( XXXX  XXXX ) received that letter with certified returned receipt : XXXX on XX/XX/year>. Their response was a " canned '' response that all is well and they are reporting out accurately. A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. 

TRACKING NUMBER : XXXX