23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX if 2017 I closed account that was a secure card. When I got my final statement it showed I owed money to them. I looked at statement that they printed up to me at the bank and noticed the 1st thing. It was a {$30.00} dollar difference in amounts from the ending month to the very 1st day if the new moth showing on the opening balance. I have been unable to work on this due to heath issues with major XXXX. Also I have a unauthorized charge from a hotel in XXXX XXXX that we never stayed at it was canceled and the charges it 2 weeks after we were supposed to stay ther that was never removed. I did call the bank before the charge took place and told them not to except the charge and the did anywAys. This put me over a lot and the accounting they re doing it deliberate. They know the amonts were not right and thats not legal. They will Just say sorry about the mistake and nothing to come out of it. I bet if you looked over my account and did a re accounting of it theres a lot of things! Im just not able to do in my condition. Now its on my credit report and they refuse to remove it or give me back my money they took or gave. their stealing from all of us. And I dont need this aggravation right now above all things. Can you help Me solve this?
Product: Credit reporting or other personal consumer reports

Adverse Action taken against me due to an error in my background report. Insperity ( the background check company ) reported that I have 3 pending felonies in XXXX XXXX XXXX, however that information is incorrect. I lost my job with XXXX XXXX and have been damaged financially, mentally and emotionally.
Product: Money transfer, virtual currency, or money service

I have used the XXXX trading platform for about two months now with no issues. Today, XX/XX/2018 I was locked out of my account due to a possible computer glitch I'm told by customer service. I have about {$9000.00} in their platform and my bank ( XXXX ) says there are no issues with my account on their end. XXXX told me It's likely my bank or a glitch in their system, and it will be 4-5 days before I get an email regarding this issue. The Terms of Use agreement says this will ONLY happen if they are required to do so by law. I have read blogs where people have been waiting to be unlocked for 45 days. My money isn't bad money, there isn't any fraudulent activity, my attached bank account is fine and XXXX has locked me away from access to my money. I want XXXX to unlock my account immediately.
Product: Debt collection

I am filing this complaint against Midland Credit Management for violating the Fair Debt Collection Practices Act ( FDCPA ) and its implementing regulation issued by the Consumer Financial Protection Bureau ( CFPB ). 
Specifically, Midland Credit Management has engaged in the following unfair debt collection practices : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Midland Credit Management has not provided me with the written verification of the debt that is required by law. This includes the amount of the debt, the name of the original creditor, and a breakdown of charges. Despite the lack of validation, they placed a collection notice on my credit report.

Denial of Opportunity to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given a fair and meaningful opportunity to dispute the validity of the debt. This is a violation of my rights under the FDCPA. 
Unauthorized Furnishing to Credit Reporting Agency ( 12 CFR 1006.34 ( d ) & 15 USC 1681-S2 ( 7 ) ( A ) ) : Midland Credit Management has furnished negative information about the debt to a credit reporting agency without providing the required disclosures about my right to dispute the debt.

These practices have damaged my credit report and caused me significant stress.

Requested Relief : I request that the CFPB investigate these violations and take appropriate action against Midland Credit Management. This may include : Ordering Midland Credit Management to provide me with the required validation information for the debt. 
Ordering Midland Credit Management to remove the negative information from my credit report if I dispute the debt and it is found to be invalid. 
Ordering Midland Credit Management to cease all communication regarding this debt until the validation information is provided. 
I am prepared to provide any documentation that supports this complaint. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo has been unhelpful and evil during this pandemic. I and millions of Americans are suffering during these trying times and yet, this company refuses to at least help me and others by refunding overdraft and return item fees knowing that much of our income has been less as a result of this pandemic. My state, Arizona still has restrictions, therefore I am unable to make as much income as I did before the pandemic since my work relies on the entertainment, food, bar and tourism industries. 

I am very close to closing my accounts with wells Fargo due to their lack of empathy and am now formally demanding that they refund me all {$410.00} in fees since the pandemic began. 

I just graduated from college into a world in which I can't get a job with the degrees I have because of the pandemic. I am a single father who recently moved into a place that I could barely afford. 

Please show some empathy here, you guys make enough from OD and Return fees, why let your greed disenfranchise others who are dealing with the hardest months of their lives! 

I've just about had it with this company and have zero problems refusing to do business with a company that fails to care about their customers. shame on you.
Product: Credit reporting

Dear CFPB, I am reporting an issue with Equifax that concerns fraudulent credit inquiries on my report. 

At some point in early XXXX 2016 or before, my social security and personal information were obtained by an unknown individual. I became aware when I checked my credit report for information concerning the collection account discussed above. Unfortunately, I discovered multiple credit inquiries which I had not made. I disputed those inquiries and some were removed. However, more applications for credit cards were made even though I had place a fraud alert on my account with all XXXX credit bureaus. Subsequently, I have place a security freeze on my credit report with all XXXX credit bureaus. Since then, it has proved difficult to engage Equifax in removal of the remaining fraudulent credit inquiries. I have contacted the companies at which the applications for credit cards were made and they informed me they notified the XXXX credit bureaus to remove the inquiries. Still, the inquiries remain ... I have listed the fraudulent inquiries below : Equifax : ( i ) XXXX XXXX XXXX - XXXX XXXX, 2016 ( ii ) XXXX BANK XXXX C - XXXX XXXX, 2016 Equifax has sent me the " results '' of its investigation and stated I need to contact the creditors. Well I have contacted the creditors and they said they contacted Equifax! It seems they will send me in an endless loop! Please see attached document for details of the inquiries from my Equifax Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the accounts and the amounts also the addresses. 

XXXX XXXX XXXX Opened XX/XX/2021 and amount {$1400.00} Addresses : XXXX XXXX XXXX , XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts still reporting to my credit report. Some have been removed already but the following accounts reporting are fraud. 

Accounts XXXX XXXX  Opened XX/XX/XXXX Amount {$16000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Amount {$22000.00}. 

These been reported multiple times and proof of fraud have been submitted I've reached out to both banks via email and they both replied and emailed my agreeing those account do not belong to me
Product: Mortgage

I purchased a home in XXXX Colorado in XXXX of XXXX that I had financed through GMAC Mortgage. As a result of a divorce, I was forced to file bankruptcy XXXX XXXX, XXXX, and the bankruptcy was discharged on XXXX XXXX, XXXX, and was closed as a no asset matter. 
GMAC filed a motion for relief from stay in the bankruptcy, and obtain permission on XXXX/XXXX/XXXX to foreclose on the house. Rather than foreclose on the house, GMAC sold the loan to Ocwen Home Loans. Ocwen Home Loans has sat on the house for the past five years, and has not foreclosed or taken possession of the property. 
Because GMAC sold the loan instead of foreclosing, and the fact that Ocwen Home Loans has sat on the house for the past five years, I can not be approved for a loan to buy a home for my family to live in. I was discharged from the mortgage over five years ago, but because of something out of my control, I can not be approved for a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on VOSS & KLEIN , LLC Original creditor XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

I C SYSTEM reported an account I never opened with them into my collections as of XXXX XXXX
Product: Bank account or service

I have had XXXX check payments set up on my Checking account for the amounts {$350.00}, {$180.00} and {$560.00}. These were payments to my condo association that have been in place for over a year. 

I closed my checking account recently. The local banker in XXXX, CA who closed my account and I ensured that all the check payments were in fact funded and had already debited to my account. The local banker closed the accounts and returned my balances to me. 

I was expecting these payments to reach the recipient by XX/XX/2016 after which a late fee could be assessed. Without any forewarning today XX/XX/2016 Chase stopped the payments of XXXX checks on frivolous grounds that the payee address is incorrect. The address on these payee accounts has n't changed in over a year. 

Chase has taken illegal possession of my funds. They are now holding on my funds even though my checking account is closed.
Product: Debt collection

RMP LLC contacted me on XX/XX/2021 at XXXX XXXX. I spoke to them for 2 minutes. I asked them for an itemized bill and to only contact me through mail. I explained to them that I work XXXX daily, and I was at work when they called, and I don't want to get fired for having to answer my phone. 

They called again XX/XX/2021 at XXXX. I did not get a chance to answer that phone call because I was working. 

They called today, XX/XX/2021 at XXXX. I spoke to them for 3 minutes, and repeated what I have said previously, and then asked them for their email address and informed them they were violating debt collection laws and I would be lodging formal complaints, and once again asked for an itemized bill and for them to only contact me through postal mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these companies need to be removed from my inquires immediately.
1. XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 2., XXXX/XXXX XX/XX/XXXX 5 ) ..XXXX XXXX/XXXX XX/XX/XXXX 3., XXXX XXXX XXXX XX/XX/XXXX.
6 ) XXXX XXXX XXXX XXXX, XXXX..XX/XX/XXXX.
7 ) XXXX XXXX XX/XX/XXXX
Product: Debt collection

Certified Letter of Intent to Dispute the Debt sent to Debt Collector on XX/XX/year> via certified mail # XXXX XXXX XXXX XXXX XXXX Notice to all, I am that I am, the consumer in fact, natural person, living breathing woman, affiant, declare that I am of majority and competent to state the matters set forth herein with firsthand knowledge of the facts, I have been appointed and accept being the executor both public and private for all matters proceeding and I hereby claim that I will be d/b/a/ XXXX consumer and autograph as the agent. attorney in fact, STATEMENT of FACTS The Fact that Affiant, is aware and has proof that Credit Control LLC. In accordance with the Fair Reporting Act this creditor is in violation of 15 U. S. code 1692 C-Communications in connection with Debt Collections, Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The Fact that Affiant, is aware and has proof that Credit Control LLC XXXX In accordance with the Fair Reporting Act this creditor is in violation of 15 U. S. code 1692g-Validation of Debt- ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( b ) Disputed debts-If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

1. I, XXXX the consumer is disputing this debt, Credit Control LLC. You should not REPORT THIS DEBT to the CREDIT REPORTING AGENCIES ( XXXX, XXXX, XXXX ). If you have already reported it, please contact the credit reporting agencies within 10 days of receipt of this notice, inform them that the debt is disputed, and ask them to DELETE the credit reporting. { please provide a written correspondent regarding VALIDATION of DELETION from credit reports. 

Thank you for your attention to this matter. 

XXXXConsumer
Product: Credit reporting

I recently applied for a credit card from XXXX, they reported that TransUnion was not able to advise my Credit Score with the following feedback : " Missing or Invalid Date : XX/XX/2017, Source : TransUnion Consumer Relations '' As a result, my application has been rejected. 
Through this portal I had received confirmation from TransUnion discrepancies with my information was fixed. Please advise XXXX my credit score.
Product: Credit reporting or other personal consumer reports

I want accounts removed I have tried calling the XXXX bureaus. I keep filing a dispute after certain companies stated its on to remove the charge offs thats been paid off and they will remove nor notify me of any investigations.
Product: Credit reporting or other personal consumer reports

I contacted the credit card company last month ( XX/XX/XXXX ) after noticing the account on my Experian report. I spoke with a representative to inform him that this was not my account, I've never seen a credit card with the Name XXXX. I also asked if it was possible that the bank name and card name could be different. The representative replied no, the name on the card is XXXX. I asked if there was a balance on the card? The rep stated yes, I asked if the payment was past due, the rep responded No. I then asked when was my last payment, the representative told me that my last payment was made XXXX of XXXX. I responded with it is impossible for the account balance to be current if there has been no payment in nearly a year on a card that i have never seen nor used. I then filed a dispute with Experian, the results were that the account was justified. This is not my account, per the XXXX card representative, this card was mailed to an old address where my elderly mother with XXXX lived over 2 years ago. this account does not belong to me. Please help me. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 XXXX  XXXX  credit cards I paid off that were in collections and Equifax still shows its under derogatory status even though the other credit Bureau states paid Account number XXXX is XXXX Account number XXXX is XXXX
Product: Credit reporting 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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has 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 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: Student loan

Since I graduated in XX/XX/XXXX ( payments due in XX/XX/XXXX ), Naviemt calls about three times a day and does not leave messages. I checked the FASFA website, looked at all of my last and, and they are not due until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I became an authorized user on my moms account when I was XXXX years old and apparently she had a late payment which stuck to my credit score and now my credit is down. I tried contacting capital one they were no help I just want it removed from my history because it wasnt my transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have attached in may letters have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 reporting 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX years. 

XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX  ) 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 reporting, credit repair services, or other personal consumer reports

XXXX & Experian would not remove these accounts from my credit after doing the online dispute and writing in my dispute. XXXX has already removed these accounts due to an insurance claim. Both of these accounts were joint accounts and the vehicles were not my responsibility : XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX, XXXX, and Experian would not remove these account after I requested it to be investigated by showing proof of a physical contact that I signed, per the FCRA : ***XXXX XXXX : Account # XXXX ******XXXX XXXX. Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX customer service and online dispute would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX RE Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX customer service would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was trying to send XXXX USD to my sister but by mistake I send to wrong person, I try to escalate this issue I contact the Sendwave they promise me refund back to my account in 1 day latter they text me and tell me that they cant Reverse.
Product: Credit card or prepaid card

My account ending in XXXX ( Chase United Card  ) was closed on XX/XX/2021 due to my credit which has dipped due to the COVID-19 pandemic and XXXX XXXX being closed. 

I have had an impeccable reputation with Chase including my Chase Checking and Credit Card accounts. My Chase card has never had a returned nor late payment in past two year or so. My card was always paid on time. If not half the balance was normally paid off, the full balance was paid off. 

I called XXXXXXXX XXXX and they advised me that my account was closed due to credit review and there was no chance of reinstatement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, US DEPT. OF EDUCATIONXXXX, has 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